Everyone says UPI is replacing cash. But the data tells a different story.

In this conversation, we explore why both UPI transactions and cash in circulation are increasing at the same time. The discussion explains how digital payments have changed the role of cash, why people still keep money at home for emergencies, and what economists call the precautionary motive for holding money. It also looks at why the RBI is considering more durable currency notes.

The real question isn’t whether India is becoming cashless. It’s how our relationship with cash is changing.

I’m Saloni Khanna – Educationist, Economist, UPSC Interviewer and Founder of Skill Up Foundation.

Here, we explore:
• UPSC preparation beyond coaching hype and topper myths
• Interview, debate and communication skills that actually work
• Governance, economy and how power really functions in India
• Gender, caste and social sensitivity – the biases officers must see clearly
• Mindset, confidence and ethics for future administrators and leaders

If you’re preparing for UPSC, aiming for a government job, or simply want to think sharper, speak better and be more sensitive to people and systems, this space is for you.

Subscribe to join this learning community and don’t forget to share videos with friends who need this perspective.

Connect with me:

Instagram: https://www.instagram.com/thesalonikhanna/
Facebook: https://www.facebook.com/Thesalonikhanna/
Linkedin: https://www.linkedin.com/in/saloni-khanna-457025169/
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For invitations, collaborations and business enquiries:
Email: teamthesalonikhanna@gmail.com

#upinipin #cash #rbi #economics #india #finance #digitaleconomy #currentaffairs #podcast #money #banking #explained #business #payments #news

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DO NOT Trade on any exchange that prohibits trading in your geographical location

BEWARE OF IMPERSONATORS PRETENDING TO BE ME IN THE COMMENTS!! NEVER SEND ANYONE IN YOUTUBE COMMENTS YOUR CRYPTO! I WILL NOT CONTACT YOU ON ANY SOCIAL MEDIA ACCOUNTS!! – THERE ARE DOZENS OF INSTAGRAM AND TWITTER IMPERSONATORS THAT WILL MESSAGE YOU TO STEAL YOUR CRYPTO, WHILE PRETENDING TO BE ME

Disclaimer: The information I discuss in the videos on this channel are only the views of myself and are not to be taken as financial advice. The purpose of these videos are to promote discussion and interest in the crypto-space. Also, we like to make jokes! Affiliate Links Can Provide Commission If Utilized.

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Follow me on X: @moonlamboio

⚠️ DISCLAIMER: I am not a financial adviser. None of what I have communicated verbally or in writing here should be considered financial advice; it is not. Do your own research before investing in any asset or market, and understand that investing — including in cryptocurrency — carries risk. If you do, you need to be prepared to lose your entire investment.

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This is a paid advertisement for Rumble Wallet. Rumble is compensating me for this ad.

✩ALL MY SOCIALS ✩
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——————-
⚠️ DISCLAIMER – READ FIRST
This video is not financial advice. It is for educational and entertainment purposes only. I may earn a commission through some of the links below — at no extra cost to you.

Crypto-assets are highly volatile and involve significant risk. These offers are intended for experienced users only and may not be available in your region. Always verify local laws before registering or trading on any platform.

#crypto #xrp #hbar #xlm #altcoin
——————–
LEGAL & REGULATORY DISCLAIMER

1. Corporate Entity & Content Purpose
This channel is operated by a registered business entity. All content is intended solely for informational and entertainment purposes and reflects the opinion of the channel as an entity.

2. No Financial, Legal, or Tax Advice
I am not a licensed financial advisor. Nothing in this content should be construed as financial, investment, legal, or tax advice. Viewers should consult qualified professionals before making investment decisions.

3. Sponsorships & Affiliate Relationships
This video may contain sponsored content and/or affiliate links. I may earn a commission if you use these links, at no additional cost to you. I only promote platforms I personally use or believe in — but you are responsible for conducting your own due diligence.

4. Geographic Restrictions
This content is not intended for residents of the United Arab Emirates, United Kingdom, United States, Canada or any other jurisdiction where the promotion of virtual assets is restricted or prohibited.

If you are located in such a region, do not engage with or act on this content.

5. Crypto Risk Warning
Crypto-assets are speculative and involve substantial risk, including:
• Loss of capital
• Extreme volatility
• Limited liquidity
• Irreversible transactions
• Potential for fraud, theft, or manipulation
No form of investor protection or legal recourse is guaranteed. Engage at your own risk.

6. No Outcome Guarantees
I make no representations regarding the accuracy, timeliness, or results of any strategies or opinions shared. No profits or outcomes are guaranteed. You bear full responsibility for any decisions made.

7. Content Updates
Information may become outdated. I reserve the right to change, update, or remove content without notice.

8. MiCA & EU/Canada Compliance Notice
In accordance with the EU Markets in Crypto-Assets Regulation (MiCA):
• This content does not constitute financial promotion or investment advice under MiCA.
• Crypto-assets discussed may not be suitable for all investors and are not protected by any EU Or Canada deposit guarantee or investor compensation scheme.
• All statements made are intended to be fair, clear, and not misleading.
• If you reside in the EU or Canada, ensure your engagement with this content complies with local laws and regulations.

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— VIDEO CHAPTERS —
0:00 The Most Powerful Company Nobody Talks About
0:51 1791: Hamilton vs. Jefferson and the First Bank of the U.S.
3:10 1792: John Hancock and the Founding of Union Bank
5:28 Boston Rises as a Financial Powerhouse
6:51 The Civil War and the National Banking Act
9:09 The Gilded Age and the Rise of Trust Companies
11:16 Allan Forbes Walks Through the Door
12:03 The Federal Reserve, World War I, and the First Mutual Funds
14:27 The Great Depression: Why State Street Survived
16:10 Postwar Mergers and the Boston Skyline (1955–1966)
17:32 The Wall Street Paperwork Crisis
19:54 William Edgerly: An Engineer Takes Over the Bank
23:16 The Great Pivot to Institutional Services
25:41 Marshall Carter and the Push to Go Global
27:01 Black Monday and the Birth of the ETF
30:29 Building the Custody Empire Through 2008
32:58 The FX Scandal: A $530 Million Settlement
34:50 Jay Hooley Inherits the Wreckage
36:09 The Ross McLellan Transition Management Fraud
38:57 Ronald O’Hanley and the Rise of the Big Three
40:39 Texas vs. State Street: The ESG Antitrust Lawsuit
42:50 State Street in 2026: $49 Trillion and a Reckoning

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⚠️ DISCLAIMER

This content is for educational purposes only and is not financial, legal, or tax advice. Always do your own research.

🔎 SEO TAGS

#xrp #crypto #ripple

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Banco Santander Bitcoin adoption is here. Learn why this Ripple partner just bought 12 million dollars in BTC and what it means for the market.

Institutional investors are shifting strategies rapidly. This update covers the specific details behind the Banco Santander Bitcoin purchase, confirming their first direct exposure to the asset class. If you track large-scale institutional crypto adoption, these events provide critical context for current market movements.

Beyond the primary news, we examine the current state of XRP price news and how Ripple partner developments influence broader trends. Understanding these institutional plays helps clarify why major banks are finally moving capital into digital assets. We break down the data to see how this impacts your outlook on the crypto landscape.

Subscribe for weekly institutional crypto breakdowns and comment below on whether you think more banks will follow Santander this year.

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It’s important to understand this space comes with risk. Returns aren’t guaranteed, and you can lose your initial investment — always do your own research.

————-
Legal & Regulatory Notice

This channel is run by a registered business and provides informational/entertainment content only, not professional advice.

* No financial, legal, or tax guidance—consult professionals before decisions
* May include **sponsored content/affiliate links** (do your own research)
* Not intended for certain regions (e.g., US, UK, Canada, UAE)
* **Crypto involves high risk**, including total loss and fraud exposure
* No guarantees on accuracy, results, or profits
* Content may change at any time
* Complies with **EU (MiCA) and Canadian rules**, emphasizing no investment advice and lack of investor protections

Bottom line: Use at your own risk and responsibility.

#xrp #XRPL #ripple #xrpcrypto, #xrppriceprediction, #xrpnews, #xrpxlm, #xrpripple, #xrpprice, #xrpcoin, #cryptonews, #ripplexrpnewstoday, #xrp, #crypto, #whatisxrp, #xlmstellarlumens, #bitcoincrash, #cryptocrash, #ripplecryptocurrency, #XRP, #xrpanalysis, #ripple, #xrpnewstoday, #bitcoincryptoprice, #xrp, #xrppriceupdate, #stellarlumens, #xrp, #xrpcrypto, #bitcoinpriceanalysis, #xrpnews, #xlmstellar, #xlmprice, #xlmcoin, #stellarlumensnew, #xrpripple, #xrp, #bitcoin, #eth, #ethprice, #bitcoinprice, #xrpl

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Dalam pengurusan kewangan, Financial Freedom adalah salah satu matlamat akhir semua orang. Dengan Financial Freedom, anda bebas uruskan kewangan tanpa terikat dengan apapun. Tapi, macam mana cara sebenar untuk capai Financial Freedom? Ada 3 cara utama yang saya pernah apply dalam kewangan, dan cara yang sama anda boleh gunakan juga.

3 cara tersebut saya dah jelaskan dengan lebih mendalam dalam video kali ini. Untuk anda yang nak capai bebas kewangan, jangan lupa tengok sampai habis. Saya yakin setiap info boleh bantu anda untuk lebih jelas dengan hala tuju. Untuk lebih info berkaitan saving, investment, pencen, scammer, budgeting dan banyak lagi, make sure anda layari ;
https://www.cimb.com.my/jagaduit

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The bond market sets your mortgage rate, prices your cash, and quietly cost “safe” retirement portfolios 16% in 2022 — yet most Americans have never looked at it once.
In this video, we break down how the bond market actually works: what a bond is, why the 10-year Treasury yield decides your 30-year fixed mortgage rate, how rising interest rates turned bonds — the supposed seat belt of a 60/40 portfolio — into the thing causing the crash, and what every rate move costs you in dollars across your mortgage, your bond fund, and your cash.
You’ll also learn what duration is (the one bond number nobody knows their fund’s), why the yield curve has preceded all 10 US recessions since 1955, how the equity risk premium connects stocks and bonds, and why high-yield savings and 3-month T-bills can earn nearly 10× more than the average savings account — same safety, dramatically different yield.
By the end you’ll read the bond market the way most finance professionals don’t.

Get the Editable Calculators, Decision Cheat Sheets & more → join The Wealth Logicians: [https://www.youtube.com/channel/UCZ-H-n8fa7NqReTRKe7ByEg/join]

click here to subscribe : https://bit.ly/4rlmhIL

Disclaimer: This content is for entertainment and educational/informational purposes only and is not financial, medical, or psychological advice.

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