SINGAPORE, Mar 30, 2026 - (ACN Newswire) - Setting up a new account for your money in Singapore is easier than ever. In the past, you had to find a bank branch, take a queue number, and wait for a staff member to help you. Now, technology allows you to handle everything from your living room. When you decide to apply for a savings account online, you can complete the entire process in just a few minutes.

However, even though the process is fast, it helps to be ready. Here is a simple guide on what you need to have ready before you start your application.

Prepare Your Singpass

The primary identification tool for anyone in Singapore is Singpass. Most banks now use MyInfo to retrieve your personal details. When you start your application, the bank will ask you to log in with your Singpass. Once you grant permission, the system automatically fills in your name, address, date of birth, and even your employment details.

Using this method is the fastest way to apply for a savings account online. It reduces the chances of typos in your form. Before you begin, make sure your Singpass app is updated and that you remember your login password or have your face recognition working. Ensure to update your home address or income details on the Singpass website first.

Documents for Singapore Citizens and Residents

If you are a Singapore Citizen or a Permanent Resident using Singpass MyInfo, you usually do not need to upload any physical documents. However, it is still a good idea to have your NRIC nearby just in case you need to verify your identity number manually.

For foreigners living in Singapore, you will need your passport, your Employment Pass or S Pass, and official proof of address, which could be a utility bill, a phone bill, or a letter from the government that was sent to you in the last three months. Make sure the name and address on the bill match your application exactly.

Proof of Income

Some savings accounts in Singapore offer higher interest rates if you agree to credit your monthly salary into the account. While you can often open the account without showing your pay slip immediately, having your income details ready is helpful for future planning.

If you are a salaried employee, your latest three months of CPF contribution history or your most recent Income Tax Notice of Assessment is usually enough. For those who are self-employed, you might need your tax statements from the last two years. Having these digital files saved on your phone or computer before you begin will make the process much smoother.

Mobile Number and Email Address

To apply for a savings account online, you will need a working Singapore mobile number and a personal email address. During the application, the bank will send you a One-Time Password or a secure link for verification purposes.

Make sure your phone has a stable internet connection, which helps prevent interruptions that could require restarting your application. It is also a good idea to ensure that your email inbox can receive the confirmation letter and your new account details immediately.

A Plan for Your First Deposit

Some savings accounts in Singapore require an initial deposit to activate the account. Before you start, make sure you have enough funds in another bank account and that you know your login details for that account.

Many online applications will allow you to make your first deposit via an instant transfer or a QR code payment. Having this money ready means your account can start earning interest from the very first day. If you are looking to take advantage of a welcome promotion, such as a cash gift for new customers, you might need to deposit a specific amount, so ensure to check the promotion rules beforehand.

Final Thoughts

Choosing to apply for a savings account online is not just about effortless banking; it is also about having more control over your money. Many banks offer extra cash credits or higher interest tiers specifically for those who use digital applications.

By preparing your Singpass, your digital documents, and your initial deposit in advance, you remove all the stress from the process. You can move at your own pace and ensure that you are choosing the right account for your long-term goals. Once the form is submitted, you can usually see your new account in your banking app right away, allowing you to start managing your money better immediately.

Disclaimer: This article is for general information only and does not have any regard to the specific investment objectives, financial situation and particular needs of any specific person. The views expressed in this article are solely those of the author. This article shall not be regarded as an offer, recommendation, solicitation or advice. You may wish to consult your own professional advisers about this article, in particular, a financial professional before making financial decisions. Any past events, trends and/or performance referred to in this article may not necessarily be indicative of future events, trends or performance. This article is based on certain assumptions and reflects prevailing conditions as at the time of publication, which are subject to change at any time without notice. The author and publisher of this article as well as any other parties associated with this article make no representation or warranty of any kind, whether express, implied or statutory, in respect of this article and accept no liability or responsibility for the completeness or accuracy of this article or any error, inaccuracy or omission relating to this article and/or any consequence, injury, loss or damage howsoever suffered by any person relating to this article, in particular, arising from any reliance by any person on this article. Publishers or platforms may be compensated for access to third party websites.

Contact Information:
Name: Sonakshi Murze
Email: Sonakshi.murze@iquanti.com
Job Title: Manager

SOURCE: iQuanti

SINGAPORE, Mar 27, 2026 - (ACN Newswire) - Choosing where to place your savings in Singapore is an important financial decision that requires careful consideration. With many banks offering different types of accounts, it is easy to get confused. However, picking the right one is the first step to reaching your financial goals, whether you are saving for a dream wedding, a new home, or a retirement fund.

The good news is that you no longer need to spend a whole afternoon waiting at a bank branch. You can now open a bank account online in just a few minutes using your phone or computer. Here is a simple guide to help you choose the best account for your needs in 2026.

Identify Your Financial Habits

Before focusing on interest rates, consider how you manage your money on a daily basis. Savings accounts in Singapore usually fall into two categories:

The Active Saver: These accounts give you high interest rates, but you have to make a few mandatory transactions each month. Usually, you need to credit your salary and spend a set amount on your credit card.

The Passive Saver: These accounts help you earn bonus interest just for keeping your money in the account and letting it grow. You do not need to worry about credit card spending or paying bills.

Compare Interest Rates

Before opening a bank account online, make sure you compare the interest rates. Many basic accounts offer low interest rates. To make your money grow, you should look for bonus interest.

For example, a high-interest account can offer between 2% and 5% depending on the rules you follow. If you have SGD 50,000, the difference between a basic account and a high-interest one could be hundreds of dollars in extra cash every year. Always check the effective interest rate, which tells you the real amount you will earn after all the levels are counted.

Look for Welcome Promotions

Banks in Singapore are always competing for your business. When you open a bank account online, you can often grab a welcome gift, such as cash credits or rewards. These promotions are a great way to get a head start on your savings. Just make sure to check the dates, as many of these flash deals only last for a few months.

Check the Fees and Minimums

Even a great account can lose you money if you are not careful about fees. Before you sign up, check for these three things:

• Minimum balance: Most accounts require maintaining a certain amount of money in the account at all times. If the balance drops below this limit, the bank may charge you a monthly fee.
• Initial deposit: Some accounts require at least SGD 1,000 to get started.
• ATM access: Make sure the bank has plenty of ATMs near your home or office so you do not get charged for using the machine of another bank.

Open an Account Online

Once you have picked the right account, the final step is to fill out your application. In Singapore, you can use Singpass MyInfo to fill out your application automatically.

When you open a bank account online, your details, such as your NRIC, address, and income, are pulled directly from the government database, thus reducing paperwork. Most accounts are approved almost instantly, and you can start using your new digital card right away.

Final Thoughts

Choosing a savings account is not just about finding the highest interest rate. It is about finding the one that fits how you live. If you are a busy professional who already uses a credit card, an active account is perfect. If you just want to set your money aside and forget it, a passive account is better.

By taking 10 minutes to compare your options today, you can ensure that every dollar you earn works as hard as you do.

Disclaimer: This article is for general information only and does not have any regard to the specific investment objectives, financial situation and particular needs of any specific person. The views expressed in this article are solely those of the author. This article shall not be regarded as an offer, recommendation, solicitation or advice. You may wish to consult your own professional advisers about this article, in particular, a financial professional before making financial decisions. Any past events, trends and/or performance referred to in this article may not necessarily be indicative of future events, trends or performance. This article is based on certain assumptions and reflects prevailing conditions as at the time of publication, which are subject to change at any time without notice. The author and publisher of this article as well as any other parties associated with this article make no representation or warranty of any kind, whether express, implied or statutory, in respect of this article and accept no liability or responsibility for the completeness or accuracy of this article or any error, inaccuracy or omission relating to this article and/or any consequence, injury, loss or damage howsoever suffered by any person relating to this article, in particular, arising from any reliance by any person on this article. Publishers or platforms may be compensated for access to third party websites.

Contact Information:
Name: Sonakshi Murze
Email: Sonakshi.murze@iquanti.com
Job Title: Manager

SOURCE: iQuanti

SINGAPORE, Mar 23, 2026 - (ACN Newswire) - Travelling overseas is exciting, but foreign exchange (FX) fees can quietly add up and increase your overall trip expenses. Many Singaporeans are now exploring smarter ways to manage overseas spending, and a multi-currency debit card can help reduce unnecessary FX charges while shopping, dining, and booking activities abroad. Whether you are heading to Japan, Australia, Europe, or the US, understanding how FX fees work can help you stretch your Singapore dollars further. Even a 3% fee on a SGD 5,000 trip translates to SGD 150, which could easily cover a nice meal or attraction tickets.

When spending overseas, banks typically apply a currency conversion spread and may also charge overseas transaction fees ranging between 2.5% and 3.5%. On top of that, dynamic currency conversion at merchants can add another 4-8% markup. These layered charges might not be obvious at checkout, but they can significantly increase your travel budget.

With a bit of planning and the right payment tools, Singaporeans can minimise these costs and enjoy more transparent spending abroad.

Understanding Where FX Fees Come From

Before looking at solutions, it helps to understand how FX fees are structured. Most traditional credit and debit cards issued in Singapore apply a foreign transaction fee when you pay in a currency other than SGD. This fee usually combines the card network's conversion rate and an additional bank administrative charge.

For example, if you spend the equivalent of SGD 1,000 in Bangkok or Seoul, a 3% fee adds around SGD 30 to your statement. Over a 10-day trip with shopping and dining expenses of SGD 4,000, total FX charges could reach SGD 120 or more. These amounts may seem small per transaction but can accumulate quickly across hotels, theme parks, transport passes, and shopping malls.

How a Multi-Currency Debit Card Can Help

A multi-currency debit card allows users to hold and spend multiple foreign currencies directly from one account. Instead of converting SGD at the point of sale for every purchase, you can preload currencies such as USD, EUR, JPY, or AUD in advance. This setup can help reduce conversion fees and give you more control over exchange rates.

For instance, if you are travelling to Japan and expect to spend the equivalent of SGD 3,000, you can convert SGD to JPY when rates are favourable before departure. If the exchange rate improves even by 1%, that difference could mean savings of around SGD 30 on your total spend.

Many multi-currency debit cards also offer competitive interbank or near-interbank rates with low or zero foreign transaction fees. While terms vary by provider, this structure may result in lower overall costs compared to traditional cards. Additionally, you can track balances in different currencies via mobile apps, which helps you manage budgets more clearly during travel.

Practical Ways Singaporeans Can Reduce FX Charges

Beyond choosing the right card, several practical habits can help minimise FX fees while shopping overseas.

Pay in the local currency whenever possible

When a payment terminal offers the option to pay in SGD or the local currency, selecting the local currency can help you avoid dynamic currency conversion markups. Merchants may apply rates that are 4-8% higher than market rates when you choose SGD. On a SGD 2,000 shopping bill in Seoul, that difference could translate to an extra SGD 80 or more. Paying in the local currency often results in a more transparent rate from your bank or card provider.

Plan large purchases in advance

If you are considering buying luxury goods in Europe or electronics in Japan, estimating your total spend beforehand can help you prepare accordingly. Planning major purchases can also help you avoid last-minute conversions at less competitive airport rates.

Avoid exchanging large sums at airports

Airport money changers often offer less competitive exchange rates compared to city money changers in Singapore or digital FX platforms. The difference might range from 1% to 3%. On SGD 2,000 exchanged at the airport, this gap could mean paying SGD 20 to SGD 60 more than necessary. Using a multi-currency debit card for most transactions can reduce the need to carry large amounts of cash.

Monitor overseas ATM withdrawal fees

Withdrawing cash overseas may involve both local ATM fees and your bank's overseas withdrawal charges. These combined costs can range between SGD 5 and SGD 15 per withdrawal, excluding FX spreads. Planning fewer, slightly larger withdrawals, or relying more on card payments, can help reduce repeated charges. Some multi-currency debit cards may offer more competitive ATM withdrawal terms, depending on the provider.

Comparing Travel Spending Options

Credit cards may offer travel rewards but often carry foreign transaction fees of around 3%. Using cash helps you to do away with card fees but requires you to exchange money upfront, sometimes at less competitive rates.

A multi-currency debit card sits somewhere in between, combining digital convenience with potentially lower FX costs, while offering more flexibility. For frequent travellers visiting destinations like Malaysia, Thailand, Japan, Australia, or the US several times a year, this flexibility can make budgeting more predictable.

Avoiding FX fees does not require complex strategies. Small adjustments in how you pay, when you convert currency, and which card you use can collectively reduce costs. While exchange rates fluctuate and fees vary across providers, informed decisions can help you minimise hidden charges and make the best of your overseas trips.

Disclaimer: This article is for general information only and does not have any regard to the specific investment objectives, financial situation and particular needs of any specific person. The views expressed in this article are solely those of the author. This article shall not be regarded as an offer, recommendation, solicitation or advice. You may wish to consult your own professional advisers about this article, in particular, a financial professional before making financial decisions. Any past events, trends and/or performance referred to in this article may not necessarily be indicative of future events, trends or performance. This article is based on certain assumptions and reflects prevailing conditions as at the time of publication, which are subject to change at any time without notice. The author and publisher of this article as well as any other parties associated with this article make no representation or warranty of any kind, whether express, implied or statutory, in respect of this article and accept no liability or responsibility for the completeness or accuracy of this article or any error, inaccuracy or omission relating to this article and/or any consequence, injury, loss or damage howsoever suffered by any person relating to this article, in particular, arising from any reliance by any person on this article. Publishers or platforms may be compensated for access to third party websites.

Contact Information:
Name: Sonakshi Murze
Email: Sonakshi.murze@iquanti.com
Job Title: Manager

SOURCE: iQuanti

San Jose, Costa Rica, Mar 17, 2026 - (ACN Newswire) - Zylo Ecosystem, a multi-product digital platform that combines trading, gaming products, and online services, has announced the launch of its native token ZYLO.

The token will act as the crypto-economic layer of the Zylo ecosystem, connecting various platform products into a unified digital economy. At the same time, the project's primary focus remains the development of services for a broad audience, including users who are not part of the crypto community.

Everyday Internet Users Remain at the Center of the Ecosystem

Many projects in the crypto industry are built around blockchain technologies from the start and primarily target the Web3 audience.

This approach often limits growth, as such products tend to be understood mainly by users who are already familiar with cryptocurrencies.

Zylo Ecosystem follows a different model.

The ecosystem is designed so that its products are convenient and accessible for everyday internet users who use digital services, play mobile games, and interact with online platforms.

Within this model, the ZYLO token becomes an additional crypto-economic tool that expands the ecosystem's capabilities without complicating the user experience.

What the Zylo Ecosystem Includes

• The Zylo Ecosystem combines several directions that together form a unified digital and crypto economy.
• Trading Infrastructure
• One of the key elements of the ecosystem is intrade.bar, a trading platform with many years of operational history and an established user community.
• Over time, the platform has built a strong presence in its niche within the CIS market and developed a stable user base.

For most users, the platform remains a fully functional online service. The integration of the ZYLO token introduces additional opportunities within the trading infrastructure and expands the platform's economic model.

Gaming Products and the GameFi Direction

Gaming is also an important part of the Zylo ecosystem.

Within the ecosystem, the CosmoFox project is being developed — a gaming universe that includes elements of collectibles and an in-game economy.

At the same time, Fox Survivor is being developed as a mobile and web game in the roguelike survival / bullet-hell genre, where players fight waves of enemies, unlock characters, upgrade weapons, and progress through a meta-progression system.

The games are designed as accessible products for a wide audience, while the ZYLO token introduces additional mechanics such as in-game rewards, rare items, premium features, and competitive modes between players.

In certain gameplay scenarios, users will be able to participate in PvP battles, placing bets in ZYLO tokens. The winner receives the tokens staked in the match, creating an additional in-game economy and increasing player engagement.

These mechanics generate additional token circulation within the gaming economy and create organic demand for the token from players.

This approach forms a GameFi economy within the ecosystem, integrated into a broader digital platform.

Digital Services

In addition to trading and gaming products, Zylo is also developing digital services, including VPN solutions and other online tools.

These services add practical utility to the ecosystem and allow the ZYLO token to be used in real user scenarios.

How the ZYLO Token Works

Within the Zylo ecosystem, the token acts as a crypto-economic layer integrated into the platform's existing products.

The token can be used for:

• purchases within the ecosystem
• gaming mechanics and rewards
• premium features
• special conditions in trading services
• payments for digital services

The Zylo economy also includes deflationary mechanisms, where a portion of tokens is removed from circulation through various burn mechanisms.

As the number of users and services within the ecosystem grows, demand for the token may increase alongside the expansion of its use cases.

Cross-Product Ecosystem Model

One of the key features of Zylo is its cross-product development model, where different products within the ecosystem strengthen each other.

User activity in one service can create value in another. For example, gaming activity may unlock additional opportunities within the ecosystem, while participation in trading services may provide advantages in other products.

This structure enables a more sustainable development model compared to projects built around a single product direction.

Preparation for the First Exchange Listing

Zylo Ecosystem is currently in the final stage of preparation for the first exchange listing of the ZYLO token.

The listing will represent an important step in integrating the ecosystem into the broader crypto market and expanding access to the token for the crypto community.

At the same time, the project's strategy remains focused primarily on product development and user growth rather than on exchange activity alone.

Founder's Comment

"We are building products for a broad audience of internet users, not just for the crypto community," says Alex, founder of Zylo Ecosystem.

"The ZYLO token adds a crypto-economic layer to existing products and allows us to expand the ecosystem's capabilities without complicating the user experience."

What's Next

Following the token launch and the first exchange listing, the Zylo team continues developing the ecosystem, including:

• deeper integration of the token into trading infrastructure
• expansion of the CosmoFox gaming economy
• development of Fox Survivor gameplay
• launching new digital services and expanding them within the ecosystem

At the same time, Zylo is building an ecosystem accelerator, through which new startups will be able to connect to the project's infrastructure and integrate the ZYLO token into their products.

About Zylo Ecosystem

Zylo Ecosystem is a multi-product digital platform that combines trading services, gaming products, and online tools.

The ecosystem is designed as a convenient digital environment for everyday users, while the ZYLO token forms a crypto-economic layer that connects different services and expands the platform's capabilities.

This approach allows Zylo to combine the convenience of traditional online services with the possibilities of a Web3 economy.

Social Links
X: https://x.com/Zylo_Ecosystem
Telegram Communication: https://x.com/cosmofoxgame
Telegram Community: https://t.me/ZyloEcosystem
CoinMarketCap: https://coinmarketcap.com/currencies/zylo-ecosystem/
Medium: https://medium.com/zyloecosystem

Media contact
Brand: Zylo
Contact: Media team
Website: http://zylo.io/

SINGAPORE, Mar 16, 2026 - (ACN Newswire) - In a world where living costs continue to rise, making your money work harder for you is a necessity. While a standard savings account offers a base interest rate, a bonus savings account allows you to earn higher interest by meeting specific conditions.

By understanding the mechanics of these accounts, you can turn your idle cash into a productive asset. This article explores the features of these accounts and how they can help you reach your financial goals sooner.

What is a Bonus Savings Account?

A bonus savings account is a type of bank account that rewards you with higher interest rates when you meet specific conditions. Unlike a basic account that pays a flat, low rate regardless of your activity, these accounts are designed to encourage healthy financial habits.

Generally, your total interest is split into two parts: base interest and bonus interest. The base interest is what you earn on every dollar, regardless of your activity. The bonus interest is an additional percentage added when you fulfil certain requirements, such as increasing your monthly balance or spending on a linked credit card.

How a Bonus Savings Account Helps You Earn More

The primary appeal of a bonus savings account is the ability to earn interest rates that are often several times higher than standard savings accounts. Here is how they help you maximise your earnings:

1. Rewarding Consistent Savers: Many accounts reward you for not spending your money. For example, some accounts offer bonus interest if your monthly average balance increases compared to the previous month. This encourages you to keep your funds in the account rather than withdrawing them for impulsive purchases, allowing compounding to work in your favour.

2. Consolidating Your Financial Activities: Banks often use a bonus savings account to reward loyalty. You might earn extra interest by linking your salary credit or meeting a minimum spend on the bank's credit cards. By centring your financial activities around one account, you can unlock higher tiers of interest than with a basic savings plan.

3. Tiered Interest Structures: Most bonus accounts use a tiered system. This means that as your balance grows, the interest rate on specific brackets of your funds increases. This structure is particularly beneficial for those with growing savings, as it allows larger balances to earn higher rates.

Common Requirements to Unlock Bonus Interest

To make the most of a bonus savings account, you need to understand the typical requirements. Banks in Singapore usually look for the following:

• Balance Growth: Maintaining or increasing your balance month on month.
• Salary Credit: Having your monthly take-home pay credited directly into the account via your employer.
• Spend Requirements: Using a linked debit or credit card for a minimum amount (often SGD 500) each month.
• Investing or Insuring: Purchasing eligible insurance or investment products through the bank.

Is a Bonus Savings Account Right for You?

While the high interest rates are attractive, a bonus savings account is most effective when it aligns with your natural spending and saving habits.

If you are someone who saves a portion of your income every month and rarely withdraws from your reserves, an account that rewards balance growth is an excellent fit. However, if you prefer an account that doesn't require you to track credit card spending or investment tiers, you may want to consider a simpler savings account.

Strategies to Maximise Your Interest

To ensure you never miss out on your bonus interest, consider these simple steps:

• Automate Your Savings: Set up a standing instruction to move a fixed amount into your bonus savings account every month. This ensures your balance grows consistently without you having to remember to do it manually.
• Track Your Monthly Average Balance: Be mindful of the mid-month balance rather than just the balance on the last day of the month. Large withdrawals in the middle of the month may lower your average balance.
• Consolidate Spending: If your account requires a minimum card spend, try to put all your essential costs, such as groceries, transport, and utilities, on that specific card to hit the target easily.

Final Thoughts

A bonus savings account can be a useful tool for improving returns on your cash savings. It transforms the act of saving from a passive habit into a rewarding strategy. By choosing an account that fits your lifestyle and staying disciplined with the requirements, you can help your hard-earned money grow at a higher rate.

Disclaimer: This article is for general information only and does not have any regard to the specific investment objectives, financial situation and particular needs of any specific person. The views expressed in this article are solely those of the author. This article shall not be regarded as an offer, recommendation, solicitation or advice. You may wish to consult your own professional advisers about this article, in particular, a financial professional before making financial decisions. Any past events, trends and/or performance referred to in this article may not necessarily be indicative of future events, trends or performance. This article is based on certain assumptions and reflects prevailing conditions as at the time of publication, which are subject to change at any time without notice. The author and publisher of this article as well as any other parties associated with this article make no representation or warranty of any kind, whether express, implied or statutory, in respect of this article and accept no liability or responsibility for the completeness or accuracy of this article or any error, inaccuracy or omission relating to this article and/or any consequence, injury, loss or damage howsoever suffered by any person relating to this article, in particular, arising from any reliance by any person on this article. Publishers or platforms may be compensated for access to third party websites.

Contact Information:
Name : Sonakshi Murze
Email : Sonakshi.murze@iquanti.com
Job Title : Manager

SOURCE: iQuanti

The fastest traders in today's crypto markets may not always be humans. As digital asset markets increasingly incorporate automation, many traders now rely on algorithmic systems that can monitor markets continuously and react to signals with minimal delay.

A crypto project called AI Labs (ticker: AIX) is building an AI-enabled platform that combines visual reasoning, narrative intelligence, and automated execution to help users interpret market data and respond to signals more efficiently than traditional manual analysis alone.

"Markets are entering an era where the use of artificial intelligence is becoming more common in trading strategies," said Kingston Kwek, owner of AI Labs. "Our goal is to make analytical tools that are often used by institutional trading teams more accessible to a wider group of crypto traders."

At the center of AI Labs' platform is a visual reasoning engine that analyzes charts not simply as static images, but as evolving market structures.

Using computer vision and multimodal AI techniques, the system can identify potential liquidity zones, resistance levels, and broader market patterns within short timeframes.

Alongside this, AI Labs has developed a narrative intelligence layer that scans information across the crypto ecosystem. This includes movements associated with large crypto wallets, developer updates, and shifts in online sentiment—signals that traders often monitor when assessing possible market trends.

Instead of only placing individual buy or sell orders, traders can define broader trading parameters using the AI system. The platform can then execute trades automatically based on predefined conditions, such as capital inflows, volatility changes, or funding-rate shifts.

The objective is to help reduce emotional decision-making and allow traders to stay aligned with their strategies while automated systems monitor market activity continuously.

AI Labs' platform is currently onboarding new users, with reported monthly trading activity exceeding $1 billion across the platform.

Media Contact
Brand: AI Labs (Backed by Academic Labs)
Contact: Media team
Website: https://academic-labs.org

Vancouver, BC, Mar 2, 2026 - (ACN Newswire) - The Tomorrow Company (“TMRW”) today announced the completion of its strategic merger with Carbon Distributed Technologies AG (“CUT”) and Plato Technologies Inc., forming an integrated Web3 infrastructure platform positioned at the convergence of artificial intelligence, tokenized real-world assets, and programmable climate markets.

The Company is launching with a clear conviction: the next decade of value creation in digital finance will belong to those who build and own infrastructure — not interfaces. Systems that are programmable. Intelligence that is embedded. Assets that are verifiable. Rails that institutions can scale on.

Global markets are entering a structural transformation. Artificial intelligence is rapidly becoming embedded into capital allocation, enterprise operations, and regulatory oversight. Digital assets are evolving from trading vehicles into programmable utility frameworks capable of moving value instantly and transparently. Climate accountability is moving from narrative commitments to measurable, auditable instrumentation.

The Tomorrow Company is designed to operate at the intersection of these structural shifts — and to grow with them. The merger unites two powerful and complementary platforms.

CUT Carbon Distributed Technologies AG contributes a tokenized carbon utility framework structured around verifiability, traceability, and retirement mechanics. Built within Liechtenstein’s Blockchain Act framework and deployed on Ethereum Mainnet, CUT’s model emphasizes measurable CO₂ reduction linkage and immutable audit trails across issuance, transfer, and retirement. As regulators, institutions, and global enterprises demand higher standards of disclosure and impact validation, programmable carbon infrastructure becomes foundational to next-generation capital markets.

Paul Thomson, Co-Founder of CUT Carbon Distributed Technologies AG, commented:

“Tokenized commodities are moving from intention to instrumentation. For tokenized carbon credits, what matters now is verifiability—traceable assets, defensible controls, and retirement mechanics that stand up to real scrutiny. By integrating into The Tomorrow Company’s broader infrastructure platform, we believe we can accelerate adoption and bring institutional-grade carbon instrumentation to global markets.”

Complementing this climate utility layer is Plato Technologies Inc., which brings an AI-driven intelligence engine purpose-built to convert fragmented global data into deployable, decision-ready workflows. Plato’s vertically focused intelligence products are designed for repeat enterprise usage and global distribution, with an operating discipline centered on scalable infrastructure and cost efficiency.

Bryan Feinberg, CEO and Founder of Plato Technologies Inc., stated:

“AI is only transformative when it moves from insight to execution. This merger connects measurable data verticals with a distribution-driven intelligence engine designed to operate at scale. The opportunity ahead is not incremental — it is to embed AI directly into the infrastructure layer of emerging digital markets.”

The Tomorrow Company is structured as a diversified Web3 infrastructure holding platform with multiple reinforcing value engines. The strategy extends beyond a single asset class or vertical. Leadership intends to expand tokenized asset frameworks beyond carbon into additional real-world asset categories where verifiability and programmability unlock new liquidity. The Company plans to accelerate the deployment of vertical AI intelligence products across sectors where data fragmentation creates inefficiencies. It also intends to pursue selective acquisitions and integrations aligned with durable utility, regulatory alignment, and institutional capital flows.

Management believes that over the coming years, the convergence of AI and tokenization will redefine how capital is raised, allocated, verified, and measured. Markets will increasingly reward platforms that can demonstrate programmable accountability, embedded intelligence, and infrastructure resilience. TMRW’s long-term objective is to build a compounding portfolio of infrastructure assets that operate beneath market cycles — generating value through adoption, integration, and scale rather than volatility.

The Company’s growth roadmap includes expanding institutional partnerships, deepening blockchain-native infrastructure capabilities, and deploying AI systems that integrate directly into financial and enterprise workflows. As tokenized real-world assets and AI-native markets expand globally, The Tomorrow Company aims to position itself as a foundational infrastructure layer — enabling new asset classes, accelerating measurable climate action, and embedding intelligence into digital capital flows.

This launch represents the beginning of an expansion strategy, not its culmination. The leadership of The Tomorrow Company believes that the coming cycle will see a dramatic re-rating of infrastructure-layer platforms that combine regulatory alignment, programmable assets, and deployable AI systems. TMRW is entering the market with the ambition to help define that category.

About The Tomorrow Company

The Tomorrow Company is a Web3 infrastructure and digital asset holding company focused on building foundational rails for the AI-native financial era. Through strategic acquisitions, tokenized utility frameworks, and vertically deployable intelligence products, TMRW seeks to architect scalable systems designed for institutional-grade adoption and long-term compounding growth.

About CUT Carbon Distributed Technologies AG

CUT Carbon Distributed Technologies AG operates CUT.eco, a tokenized carbon utility platform focused on verification, traceability, and transparent retirement mechanics under Liechtenstein’s blockchain regulatory framework.

About Plato Technologies Inc.

Plato Technologies Inc. develops AI-powered, vertically focused intelligence products designed to transform aggregated global data into deployable workflows and scalable Web3 AI capabilities.

Forward-Looking Statements

This press release contains forward-looking statements relating to anticipated strategic benefits, expansion initiatives, market opportunities, and future performance. These statements are based on current expectations and involve risks and uncertainties that may cause actual results to differ materially. The Company undertakes no obligation to update such statements except as required by law.

Contact
Bryan Feinberg / COO
The Tomorrow Company
bf@tmrw-digital.com 

Agreement sets the foundation for a NASDAQ-listed institutional-grade real-world asset tokenization company

LAKE MARY, Fla., Feb 12, 2026 - (ACN Newswire) - VerifyMe, Inc. (NASDAQ: VRME) (“VerifyMe”), a provider of authentication and precision logistics technologies and Open World Ltd. (“Open World”), a blockchain infrastructure and real-world asset (“RWA”) tokenization platform, today announced the execution of an Agreement and Plan of Merger (“Agreement”). The merger positions the combined entity as a leading infrastructure provider in the digital asset and tokenization sector.

“We are pleased to announce the next step in our plan to merge with Open World to align our complementary strengths,” said Adam Stedham, CEO of VerifyMe. “We believe the combined platform will deliver durable infrastructure and governance that supports digital asset innovation and long-term shareholder value.”

The combined entity is expected to focus on token listings, regulated digital asset infrastructure, enterprise-grade compliance frameworks and institutional RWA tokenization across multiple jurisdictions.

“This agreement represents a meaningful inflection point for both organizations,” said Matt Shaw, co-founder and CEO of Open World. “As institutional demand for regulated digital asset infrastructure continues to accelerate, bringing together complementary capabilities enables us to operate at the scale and governance standards required for real-world asset tokenization to transition from early adoption into mainstream financial markets.”

The announcement builds on Open World’s previously disclosed initiatives, including the establishment of its national-scale RWA Center of Excellence in Saudi Arabia, as well as the company’s infrastructure collaboration with Abstract to support regulated, infrastructure-grade assets.

RWA tokenization activity continues to gain momentum in the United States and Saudi Arabia, with significant asset classes expected to be brought onto the Open World platform as regulatory clarity advances and institutional participation expands.

Upon closing, the merger is expected to result in the combined company being listed on The Nasdaq Capital Market (“Nasdaq”) under a new ticker symbol, subject to satisfying certain customary closing conditions, including the receipt of approvals from VerifyMe’s shareholders and the listing of the combined company’s common stock on Nasdaq. The boards of both companies have unanimously approved the signing of the Agreement. Regulatory filings with the U.S. Securities and Exchange Commission (“SEC”) and Nasdaq, as well as shareholder approvals, are anticipated by the second quarter of 2026, subject to customary conditions and review processes. Additional details regarding transaction structure and timing are expected to be disclosed in future filings.

The Agreement contains customary representations, warranties and covenants made by VerifyMe and Open World, including covenants that both parties exercise commercially reasonable efforts to cause the transactions contemplated by the Agreement to be completed,, indemnification of directors and officers, and restrictions on VerifyMe’s and Open World’s conduct of their respective businesses between the date of signing of the Agreement and the closing.

VerifyMe’s board of directors has approved the termination of its at-the-market equity program, aligning capital structure considerations with the proposed transaction and long-term strategic priorities.

Advisors:

Advisors to the transaction include Maxim Group LLC, which is serving as the exclusive financial advisor to Open World. Latham & Watkins LLP is serving as counsel to Open World. Harter Secrest & Emery LLP is serving as counsel to VerifyMe.

About Open World

Open World has been a major driving force behind many of the most iconic projects in blockchain. Given its expertise, Open World is now expanding its offerings to traditional finance (TradFi). Open World has facilitated the inception and growth of more than 20 companies since 2023 and has helped launch over $65 billion in aggregate network value since (at peak FDV). Open World advises founding teams as they navigate the most complex intersections of financial regulatory, tokenomics, public markets, exchange strategy and governance structuring. The teams Open World advises are partners with leading venture capital firms, including a16z, Multicoin Capital, Dragonfly and Founders Fund. The firm’s range of services includes token launch advisory, DATs and TradFi strategies, RWA tokenization, stablecoin issuance, policy advocacy and strategic advisory work. To learn more, visit https://www.openworld.dev.

About VerifyMe, Inc.

VerifyMe provides specialized logistics for time and temperature-sensitive products, as well as brand protection and enhancement solutions. To learn more, visit https://www.verifyme.com/.

Forward-Looking Statements

This release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. The words “believe,” “expected,” “upon,” “will,” “anticipate,” “intend,” and similar expressions, as they relate to Open World and VerifyMe, are intended to identify forward-looking statements. We have based these forward-looking statements largely on our current expectations and projections about future events and financial trends that we believe may affect our financial condition, results of operations, business strategy and financial needs. Important factors that could cause actual results to differ from those in the forward-looking statements include the uncertainty of whether the merger will close and, upon closing, whether the expected benefits of the merger will be realized. These risk factors and uncertainties include those more fully described in VerifyMe’s Annual Report and Quarterly Reports filed with the SEC, including under the heading titled “Risk Factors.” Should one or more of these risks or uncertainties materialize, or should any of our underlying assumptions prove incorrect, actual results may vary materially from those currently anticipated. Any forward-looking statement made herein speaks only as of the date of this release. Factors or events that could cause actual results to differ may emerge from time to time, and it is not possible for us to predict all of them. We undertake no obligation to publicly update any forward-looking statement, whether as a result of new information, future developments or otherwise, except as may be required by law.

Media Contact

Company: Open World Ltd.
Email: openworld@wachsman.com 

Company: VerifyMe, Inc.
Email: IR@verifyme.com