# Wealth Related Articles

HTX News Center provides the latest articles and in-depth analysis on "Wealth", covering market trends, project updates, tech developments, and regulatory policies in the crypto industry.

Robinhood Gains a New Batch of Stock Investors, the Oldest is 1 Year Old, the Youngest is -3 Years Old

On April 6, the U.S. Treasury announced that Robinhood, in collaboration with BNY Mellon, has been selected as the broker and initial custodian for the "Trump Accounts" (also known as 530A accounts). Established under the "Big and Beautiful" Act authorized by former President Trump in June 2025, the program aims to create tax-advantaged investment accounts for children born between January 1, 2025, and January 1, 2029. Each account will receive an initial $1,000 from the federal government. Private donations, such as Michael Dell’s $6.25 billion contribution, will add $250 for eligible lower-income families. Families can also deposit up to $5,000 annually per child. Funds are restricted to low-cost index funds or ETFs tracking broad market indices like the S&P 500 and cannot be withdrawn until the child turns 18. With an estimated 14.4 million children eligible, the program could inject over $14.4 billion in government funds alone, growing significantly with private and family contributions. This creates a long-term, passively managed pool of capital potentially worth hundreds of billions of dollars. Robinhood stands to benefit significantly by gaining millions of young users who will be tied to the platform from birth, with their accounts converting to IRA-like structures upon adulthood. This provides Robinhood with a long-term client base, stable custodial assets, and entry into government-backed financial infrastructure, diversifying its business beyond its traditional retail trading focus. The rollout is set for July 4, 2026, ahead of the midterm elections.

marsbit20h ago

Robinhood Gains a New Batch of Stock Investors, the Oldest is 1 Year Old, the Youngest is -3 Years Old

marsbit20h ago

AI Wealth Tutorial: Start with NSFW, Then Sell Courses

The article "AI致富教程：先搞色色，再去卖课" (AI Money-Making Guide: Start with Adult Content, Then Sell Courses) explores how AI-generated content (AIGC) is being monetized, particularly through adult entertainment and low-barrier creative work, before ultimately shifting to selling instructional courses. A16Z’s report highlights a striking trend: in the U.S., user spending on OnlyFans surpassed combined spending on OpenAI and The New York Times. This reflects a broader pattern where “sexual appeal outperforms productivity.” Early adopters used tools like Midjourney and Stable Diffusion to create AI-generated virtual models, offering “girlfriend experiences” on platforms like Fanvue, where AI models now contribute significantly to revenue. Similarly, some turned to AI-generated children’s books, though market saturation and quality issues quickly diminished profitability. Both paths often lead to selling courses—packaging the “get-rich-quick” illusion to newcomers. However, the real barrier isn’t technical proficiency but aesthetic judgment: the ability to translate vague ideas into precise prompts. Those with design, photography, or writing backgrounds excel because they know what “good” looks like; others struggle even with advanced tools. The rise of AI also brings ethical and trust issues. Clients often reject AI-assisted work on principle, perceiving it as “unfair” or lacking human effort. Regulations now require AI-generated content labeling, but boundaries remain unclear—especially for hybrid human-AI creations. The core question isn’t just whether AI was used, but whether someone is genuinely accountable for the output. In summary, while AI lowers entry barriers for content creation, success still hinges on traditional skills like审美 (aesthetic sense), and the real money often moves from creating content to selling the dream of easy success.

marsbit03/23 10:52

AI Wealth Tutorial: Start with NSFW, Then Sell Courses

marsbit03/23 10:52

SMCI Involved in AI Smuggling, Munger's Advice for Ordinary People to Turn Their Lives Around...

This article summarizes recent discussions among crypto influencers on X platform. Key topics include: 1. **SMCI AI Smuggling Case**: Reports detail an incident involving the alleged smuggling of AI technology, with linked images and an extended reading source. 2. **Charlie Munger's Advice for 2026**: The late investor's principles are highlighted, emphasizing the pitfalls of hesitation (lack of conviction) and going all-in (allowing no room for error). The advice is praised as timeless wisdom that resonates more with experience. 3. **Making 1 Million in Crypto**: A discussion on the perceived simplicity versus the actual difficulty of achieving significant profits in the cryptocurrency market. 4. **Macroeconomics, Policy & Black Swans**: Commentary on broader economic conditions, potential policy changes, and unforeseen market risks. The article concludes with links to the publisher's social media channels and a disclaimer that the content consists of personal opinions and does not constitute investment advice.

比推03/20 23:05

SMCI Involved in AI Smuggling, Munger's Advice for Ordinary People to Turn Their Lives Around...

比推03/20 23:05

XRP Holders More Educated Than Bitcoiners? Bank Of International Settlements Report Shares Revelation

A Bank of International Settlements (BIS) report from 2021, as highlighted by crypto analyst Cool Breeze, suggests that XRP holders are more educated and wealthier than the average cryptocurrency investor. The report ranked XRP and Ethereum holders as the most educated, while Litecoin holders were considered the least educated, with Bitcoin investors falling in the middle. It also noted that crypto holders generally have higher household incomes, with Ethereum, Stellar, and XRP investors being the wealthiest. The report emphasized that long-term ownership plays a key role in these findings, and XRP holders, in particular, have shown strong loyalty—even during Ripple’s lengthy legal battle with the SEC. Recent on-chain data from Santiment shows that the number of XRP holders has grown to over 7.7 million, a record high since the network’s launch. The XRP Ledger also saw a spike in activity, with active addresses reaching a five-week high. Despite criticism from some community members, XRP’s performance has remained relatively strong. At the time of writing, XRP is trading around $1.52.

bitcoinist03/18 17:31

XRP Holders More Educated Than Bitcoiners? Bank Of International Settlements Report Shares Revelation

bitcoinist03/18 17:31

From Power to Chips: How Ordinary People Can Participate in the Wealth Opportunities of the AI Era

From Power to Chips: How Ordinary People Can Participate in the Wealth Opportunities of the AI Era This article analyzes the AI industry through a five-layer "AI stack" framework: energy, chips, cloud infrastructure, models, and applications. It argues that while public attention focuses on the top application layer (e.g., ChatGPT), the vast majority of capital investment and profits are currently concentrated in the underlying infrastructure layers. Key points include: - An estimated $700 billion in annual capital expenditure is flowing into AI infrastructure (energy, chips, data centers), not applications. - Infrastructure companies (Nvidia, TSMC, ASML) show massive profits and near-monopolies, while model companies (OpenAI, Anthropic) experience rapid revenue growth but burn enormous cash due to compute costs. - Historical parallels are drawn to the electricity revolution and internet infrastructure boom, where infrastructure builders captured most early value. - The article advises investors to focus on infrastructure layers currently generating concentrated profits, while acknowledging future value may shift to applications as the market matures. - Risks include capital misallocation, supply chain concentration, and efficiency breakthroughs (like DeepSeek's lower-cost models) that could disrupt current assumptions. The conclusion emphasizes understanding this layered structure, tracking capital flow, and participating at appropriate levels based on risk tolerance and expertise.

marsbit03/16 08:17

From Power to Chips: How Ordinary People Can Participate in the Wealth Opportunities of the AI Era

marsbit03/16 08:17

New Users Exclusive 300% APR, WEEX Wealth Management Interest Boost Prevents Idle Funds from Lying Flat

Amid escalating Middle East conflicts and heightened market volatility, both spot and futures traders are favoring short-term strategies, leaving significant idle funds in their accounts. These assets remain inactive—unable to generate returns yet too critical to withdraw due to fear of missing out on sudden market moves. To address this, WEEX Exchange offers Auto Earn, a flexible savings solution featuring instant deposit/withdrawal, hourly interest accrual, daily profit distribution, and multi-account balance consolidation for optimized yields. From March 11–25 (UTC+8), WEEX is running a limited-time promotion: - New users completing KYC can enjoy a 300% APR on their first Auto Earn participation. - Both new and existing users can earn unlimited referral rewards: 0.5% in trial funds for Level-1 referrals and an extra 0.1% for Level-2, provided the referee holds ≥1,000 USDT in Auto Earn. With no lock-up period and automatic interest across spot, funding, and futures accounts, Auto Earn allows users to earn passive income without compromising trading flexibility—making it an ideal tool for maximizing capital efficiency in uncertain markets.

marsbit03/12 10:52

New Users Exclusive 300% APR, WEEX Wealth Management Interest Boost Prevents Idle Funds from Lying Flat

marsbit03/12 10:52

The Most Underrated Chapter in Dalio's 'Principles': On the Big Cycle, He Explained It Clearly Three Years Ago

The most underrated chapter in Ray Dalio's "Principles" explores the "Big Cycle" of investing, revealing a sobering historical pattern: 7 out of 10 major nations saw their wealth nearly wiped out at least once in the past century. Dalio argues that most investors fail to study these cycles, leading to a distorted perspective skewed by survivorship bias (e.g., focusing only on post-WWII US/UK success). The chapter details how financial wealth (stocks, bonds) expands relative to tangible wealth during cycles of debt and credit growth, eventually leading to crises where promises exceed deliverable value. This results in debt defaults, market crashes, currency devaluation, and even wealth confiscation. Historical data from 1900 shows extreme volatility: many countries experienced decades of negative real returns, market closures, and high taxes. Dalio emphasizes that investors’ biggest risks are not meeting return needs, portfolio destruction, and wealth confiscation—not just volatility. He warns that current conditions (near-zero real yields, high financial wealth vs. tangible wealth) mirror late-cycle stages where cash and bonds offer poor returns. The solution: diversify globally, understand cyclical drivers (growth, inflation, risk premiums), and avoid overexposure to any single environment or narrative.

marsbit02/25 04:59

The Most Underrated Chapter in Dalio's 'Principles': On the Big Cycle, He Explained It Clearly Three Years Ago

marsbit02/25 04:59

Wall Street Elites and Government Officials Gather at Mar-a-Lago, Trump Family's WFLI Acts as Crypto Lobbyist

Wall Street executives and U.S. government officials gathered at Mar-a-Lago for an event hosted by World Liberty Financial (WFLI), a cryptocurrency platform backed by former President Donald Trump's sons. The event highlighted a significant shift in Wall Street’s stance toward cryptocurrencies, with Goldman Sachs CEO David Solomon acknowledging he holds a small amount of Bitcoin. Attendees included Binance co-founder Changpeng Zhao, NYSE and Nasdaq leaders, and current and former regulators. WFLI has rapidly expanded despite the crypto market downturn, launching a stablecoin, USD1, which it promotes as a "better dollar." The company received a $500 million investment from an Abu Dhabi-linked entity, drawing scrutiny from Democratic lawmakers. Trump’s sons, Eric and Donald Jr., framed their involvement as a response to being excluded from traditional banking after the January 6 Capitol riot. They argue that WFLI modernizes finance and protects dollar dominance. The event underscored the merging of political influence and business interests, with Trump’s crypto ventures reportedly adding over $1 billion to the family’s wealth in 2025. Regulatory officials attended, raising questions about conflicts of interest, though the White House stated President Trump has no involvement.

marsbit02/20 11:44

Wall Street Elites and Government Officials Gather at Mar-a-Lago, Trump Family's WFLI Acts as Crypto Lobbyist

marsbit02/20 11:44

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