Budgeting isn’t about restricting your lifestyle—it’s about gaining control over your money so you can live on your own terms. In a world where inflation, subscriptions, and unexpected costs are everywhere, a working budget is your financial safety net.

Token voting is crypto’s broken incentive system

Token voting is crypto’s broken incentive system

Opinion by: Francesco Mosterts, co-founder of Umia. Crypto prides itself on being a market-driven system. Prices, incentives, and capital flows determine everything from token valuations to lending rates and blockspace demand. Markets are the industry’s primary coordination mechanism. Yet, when it comes to governance, crypto suddenly abandons markets altogether. Recent governance disputes at major protocols