October 2025

Programmable currency: Ensuring donors money is used right

Programmable currency can transform the way money is given and used by allowing it to be spent only for its intended purpose. Just as governments could ensure subsidies are used for food or education, individuals like Hema could send money coded specifically for school fees, guaranteeing its proper use without adding friction. With consent-based visibility and universal acceptance, this next step in India’s digital journey could combine trust, traceability, and dignity — empowering millions to give with confidence and impact

Loan rates should mirror unfinished homes higher risk

Advice, Banking, Financial, Governments, Investments, RIA, Taxes, Uncategorized / By Team FeeOnly / October 6, 2025

Rajesh and Seema’s ordeal with a stalled housing project shows how India’s home loan system masks the biggest risk in real estate — that under-construction projects may never be completed. Banks and buyers treat them like ready homes, offering or taking loans at the same rates despite far higher uncertainty. With weak enforcement of RERA safeguards, homebuyers are left exposed. Differential interest rates — lower for completed homes, higher for under-construction ones — would make risks visible, protect buyers, and push the housing finance system toward fairness.

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Programmable currency: Ensuring donors money is used right

Loan rates should mirror unfinished homes higher risk

Vigilance Awareness Week 2025 (VAW2025)

सतर्कता: हमारी साझा जिम्मेदारी﻿ (“Vigilance: Our Shared Responsibility”).

सतर्कता: हमारी साझा जिम्मेदारी (“Vigilance: Our Shared Responsibility”).