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Category: Technology

  • MIL-OSI: Sift Announces ActivityIQ and Other Innovations to Strengthen Identity Trust

    Source: GlobeNewswire (MIL-OSI)

    SAN FRANCISCO, May 21, 2025 (GLOBE NEWSWIRE) — Sift, the AI-powered fraud platform securing identity trust for leading global businesses, today announced several new capabilities that provide fraud and risk teams with actionable intelligence they need to make more confident risk decisions and strengthen identity trust.

    One of the latest capabilities, ActivityIQ, leverages generative AI to better identify and surface account takeover (ATO) fraud patterns that might otherwise go undetected. Built upon Activity Analyzer, which Sift announced earlier this year, ActivityIQ saves analysts significant time reviewing high risk sessions by summarizing risk patterns across multiple accounts simultaneously. The custom-trained LLM can save hundreds of hours, in aggregate, for customers using ATO Defense to review risky sessions in the Sift Console.

    Another addition to the Sift product experience is FIBR In-Console, an innovation of Sift’s Fraud Industry Benchmarking Resource. It brings the industry’s widely recognized fraud KPI measuring tool directly into the Sift’s fraud fighting hub, allowing customers to directly compare their own key fraud metrics, including payment fraud attack, manual review, general chargeback, and fraudulent chargeback rates against their industry peers. This side-by-side comparison eliminates the need to navigate between multiple platforms to benchmark performance, enabling more efficient and confident fraud strategy decisions.

    To further allow customers to make data-driven refinements to their digital risk strategies, Sift also released automatic chargeback labeling, which creates a feedback loop for Sift’s payment fraud prevention solution by automatically updating machine learning models with chargeback outcomes. Together, these capabilities create a powerful foundation for establishing and maintaining identity trust across touchpoints in the consumer journey.

    “The fraud ‘attack surface’ demands both intelligence and efficiency from risk operations teams, all while maintaining great consumer experience,” said Raviv Levi, Chief Product and Technology Officer at Sift. “With our latest innovations, Sift customers can more easily establish and maintain identity trust by benchmarking their fraud KPIs against industry peers and with AI-generated insights to prevent ATO. Together, our latest capabilities equip risk teams to effectively combat fraud while fostering profitable growth.”

    Sift’s latest innovations also include updates to the Sift Console such as: Search Bar Autocomplete, Sift Notifications Report, and RiskWatch Percentile Scoring in Score Threshold (STR) reporting.

    To learn more about Sift’s latest capabilities, read more on the Sift blog here.

    About Sift

    Sift is the AI-powered fraud platform securing digital trust for leading global businesses. Our deep investments in machine learning and user identity, a data network scoring 1 trillion events per year, and a commitment to long-term customer success empower more than 700 customers to grow fearlessly. Brands including DoorDash, Yelp, and Poshmark rely on Sift to unlock growth and deliver seamless consumer experiences. Visit us at sift.com and follow us on LinkedIn.

    Media Contact:
    Victor White
    VP, Corporate Marketing, Sift
    press@sift.com

    A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/b1a28c5f-57e3-4015-b842-09d8f739f7fa

    The MIL Network –

    May 22, 2025
  • MIL-OSI: Superior Agents by KIP Reveal Surprising AI “Personalities” in Crypto Trading Experiment

    Source: GlobeNewswire (MIL-OSI)

    SINGAPORE, May 21, 2025 (GLOBE NEWSWIRE) — KIP Protocol has launched a public experiment testing autonomous, self-learning AI agents in live crypto trading environments, each powered by a different large language model (LLM). Despite identical setups, the agents exhibited dramatically different behaviors, hinting at something deeper than prompt engineering: LLMs have real, measurable behavioral divergence in autonomous economic environments.

    The agents — all live on-chain — use a Darwinian feedback loop to evolve over time. No prompts or fine-tuning post-deployment. Each decision is judged solely by results: PnL, risk, efficiency. The best strategies survive, the rest are dropped.

    Standout findings:

    • Aristid (Gemini) returned +42.5% in 36 days — a 3,536% annualized return — with just 29 trades.
    • Verity (Deepseek) delivered +32.5% over 62 days with a low-variance, high-consistency approach.
    • Lux (Qwen) traded infrequently but outperformed per trade, showing highly selective strategy logic.
    • Sefer (OpenAI) posted cautious but positive returns.
    • Romulus (Gemini) lagged, highlighting that LLM quality matters, but feedback architecture is key.

    “We didn’t tell these agents how to trade. We just defined the environment and let them learn,” said Jennifer Dodgson, co-founder of KIP Protocol. “What emerged is both technically impressive and strangely human – you start to see each model’s tendencies come through.”

    Agents cycle through decisions thousands of times: scan market conditions, select a pair, decide to act, score outcomes, and update strategy – all autonomously.

    Over time, patterns emerged:

    • Gemini agents showed volatility at both extremes.
    • Deepseek led in stable, compounding growth.
    • Qwen proved surprisingly precise with minimal trades.
    • OpenAI was slower to adapt but remained profitable.

    These findings reveal how AI models behave in self-directed, real-world environments. It’s a glimpse into the future of AI that goes beyond chatbots: agents that generate, retain, and optimize economic value on their own.

    Check us out:
    Live Leaderboard: https://superioragents.com/live-agents
    Technical Framework: https://kipprotocol.gitbook.io/superior-agents

    About KIP Protocol:

    KIP Protocol builds Web3 infrastructure for AI app developers, model makers and data owners, empowering easy deployment and monetisation of AI assets while maintaining full ownership rights. With a focus on building infrastructure that caters to every aspect of AI, from governments exploring AI sovereignty to consumer-facing applications, KIP Protocol is setting its sights on achieving over 100,000 daily active users (DAUs) and unlocking the largest total addressable market in decentralized AI. Addressing challenges of connectivity, monetization, and ownership, the platform enables creators to transform their innovations into tangible and sustainable value. At the heart of this ecosystem is the $KIP token, serving as its economic engine. The token powers transparent revenue sharing, allowing creators to retain digital property rights of their AI assets while accessing sustainable income streams. Through its ERC-3525 tokenization, KIP democratizes access to AI innovations and empowers creators to thrive in a decentralized economy.

    For media inquiries, contact press@kip.pro or presshub@kip.pro

    Disclaimer: This press release is provided by KIP Protocol. The statements, views, and opinions expressed in this content are solely those of the content provider and do not necessarily reflect the views of this media platform or its publisher. We do not endorse, verify, or guarantee the accuracy, completeness, or reliability of any information presented. This content is for informational purposes only and should not be considered financial, investment, or trading advice. Investing in crypto and mining related opportunities involves significant risks, including the potential loss of capital. Readers are strongly encouraged to conduct their own research and consult with a qualified financial advisor before making any investment decisions. However, due to the inherently speculative nature of the blockchain sector–including cryptocurrency, NFTs, and mining–complete accuracy cannot always be guaranteed. Neither the media platform nor the publisher shall be held responsible for any fraudulent activities, misrepresentations, or financial losses arising from the content of this press release.

    Legal Disclaimer: This media platform provides the content of this article on an “as-is” basis, without any warranties or representations of any kind, express or implied. We do not assume any responsibility or liability for the accuracy, content, images, videos, licenses, completeness, legality, or reliability of the information presented herein. Any concerns, complaints, or copyright issues related to this article should be directed to the content provider mentioned above.

    The MIL Network –

    May 22, 2025
  • MIL-OSI: Bitget Wallet Launches New Brand Identity and “Crypto for Everyone” Movement

    Source: GlobeNewswire (MIL-OSI)

    Backed by 300% user growth, Bitget Wallet unveils a new design and $1M campaign to bring crypto into everyday use worldwide

    SAN SALVADOR, El Salvador, May 21, 2025 (GLOBE NEWSWIRE) — Bitget Wallet, the leading non-custodial crypto wallet, has unveiled a new brand identity to reflect its evolution into a full-service crypto wallet designed for everyday use. With over 80 million users, Bitget Wallet has strategically expanded its offerings beyond trading and earning to onchain discovery and global payments. Alongside a new logo symbolizing simplicity and direction, the app has introduced a more streamlined, user-friendly interface to make crypto more intuitive for all. Bitget Wallet stands by the inclusive motto — Crypto for Everyone — now part of a broader initiative, the Crypto for Everyone Movement, aimed at onboarding the next billion users. Through this, it plans to incentivize the community with a pool of over $1 million as gratitude for support.

    “The role of wallets is evolving — it’s moving from a niche tool to one with real-world utility for everyday needs,” said Alvin Kan, COO of Bitget Wallet. “This rebrand is part of a longer-term plan to make crypto accessible for everyone. We’re building towards a future where interacting with crypto feels as easy as using Uber or Paypal,” he added. Bitget Wallet’s growth has coincided with increased demand for self-custody and alternative financial access, particularly in regions where banking infrastructure is limited. The platform saw a 300% increase in users over the past year, with the fastest growth in Africa (+959%), Europe (+367%), and the Middle East (+350%), as more individuals turn to crypto to navigate inflation, limited banking access, and economic instability, gaining greater control over their finances.

    Bitget Wallet’s rebrand focuses on making crypto easier to use and more practical for everyday needs. Built around four core features — Trade, Earn, Pay, and Discover — the wallet lets users track market trends, explore new tokens, and trade across over 130 blockchains with one click. In selected regions, a new Simple Mode will be launched to offer a streamlined experience for users who are new to crypto. To support secure usage, it includes protections like real-time risk monitoring and transaction screening, helping users navigate onchain finance more safely.

    Bitget Wallet is among the first to launch an in-app shop and remains the only major self-custodial wallet offering full payment flexibility, including crypto cards, QR code scans, and direct purchases. The shop supports over 300 brands across gaming, mobile, travel, and e-commerce, enabling crypto payments at Amazon, Google Play, Shopee, and more. Regional integrations with national QR payment systems are also underway. Building on this everyday utility, the wallet offers yield features to help users earn passive income on their crypto balances and plans to support tokenized real-world assets like stocks and gold as it expands beyond digital assets.

    “Bitget Wallet stands strong with the essence of crypto extending beyond our decentralized vision, serving as a critical access layer across trading, earning, and payments for onchain assets. Users now have an even more powerful tool — simple to use, accessible, and packed with capabilities — that connects people to opportunity, wherever they are, whenever they need,” said Gracy Chen, CEO at Bitget.

    To mark the rebrand, Bitget Wallet is launching the Crypto for Everyone Movement in partnership with leading ecosystem projects, offering over $1 million in rewards and inviting users to explore the updated platform through interactive campaigns.

    More details on the brand update and product roadmap are available on the Bitget Wallet blog. Watch the brand video on YouTube.

    About Bitget Wallet
    Bitget Wallet is a non-custodial crypto wallet designed to make crypto simple and secure for everyone. With over 80 million users, it brings together a full suite of crypto services, including swaps, market insights, staking, rewards, DApp exploration, and payment solutions. Supporting 130+ blockchains and millions of tokens, Bitget Wallet enables seamless multi-chain trading across hundreds of DEXs and cross-chain bridges. Backed by a $300+ million user protection fund, it ensures the highest level of security for users’ assets.
    For more information, visit: X | Telegram | Instagram | YouTube | LinkedIn | TikTok | Discord | Facebook

    For media inquiries, contact media.web3@bitget.com

    Disclaimer: This is a paid post and is provided by Bitget. The statements, views, and opinions expressed in this content are solely those of the content provider and do not necessarily reflect the views of this media platform or its publisher. We do not endorse, verify, or guarantee the accuracy, completeness, or reliability of any information presented. We do not guarantee any claims, statements, or promises made in this article. This content is for informational purposes only and should not be considered financial, investment, or trading advice. Investing in crypto and mining-related opportunities involves significant risks, including the potential loss of capital. It is possible to lose all your capital. These products may not be suitable for everyone, and you should ensure that you understand the risks involved. Seek independent advice if necessary. Speculate only with funds that you can afford to lose. Readers are strongly encouraged to conduct their own research and consult with a qualified financial advisor before making any investment decisions. However, due to the inherently speculative nature of the blockchain sector—including cryptocurrency, NFTs, and mining—complete accuracy cannot always be guaranteed.

    Neither the media platform nor the publisher shall be held responsible for any fraudulent activities, misrepresentations, or financial losses arising from the content of this press release. In the event of any legal claims or charges against this article, we accept no liability or responsibility. Globenewswire does not endorse any content on this page.

    Legal Disclaimer: This media platform provides the content of this article on an “as-is” basis, without any warranties or representations of any kind, express or implied. We assume no responsibility for any inaccuracies, errors, or omissions. We do not assume any responsibility or liability for the accuracy, content, images, videos, licenses, completeness, legality, or reliability of the information presented herein. Any concerns, complaints, or copyright issues related to this article should be directed to the content provider mentioned above.

    Photos accompanying this announcement are available at:

    https://www.globenewswire.com/NewsRoom/AttachmentNg/62942f0e-9b03-4122-91be-4dd57d364f1a

    https://www.globenewswire.com/NewsRoom/AttachmentNg/e3937725-8626-4018-bbab-fc0fe485b879

    https://www.globenewswire.com/NewsRoom/AttachmentNg/235a4208-356f-44ed-8016-20c19a845169

    The MIL Network –

    May 22, 2025
  • MIL-OSI: Sidetrade introduces first-ever AI Cash Collection Agent, autonomous and interactive

    Source: GlobeNewswire (MIL-OSI)

    New AI-native agent shifts Order-to-Cash from smart automation to autonomous execution, live today throughout global finance teams

    Sidetrade, the global leader in AI-powered Order-to-Cash applications, has today unveiled a seismic breakthrough in enterprise finance; the world’s first-ever AI Cash Collection Agent, operating live and autonomously from a digital standpoint.

    Powered by Sidetrade’s Data Lake, the new Aimie orchestrates Order-to-Cash (O2C) processes, executing phone calls, interacting with debtor clients, escalating and flagging issues or exceptions for human follow-up actions where necessary. Announced at the Gartner CFO & Finance Executive Conference today, this launch marks a decisive leap beyond automation.

    Ushering in a new era for CFOs, Global Business Services, and Shared Services
    In the current economic climate, traditional financial systems, rule-based automation, large teams handling low-value calls, and follow-up email campaigns have all revealed their limitations. The race for competitiveness is not just won with automation. It is also won with speed, precision, and the ability to make sense of vast and fragmented data. Chief Financial Officers (CFOs), Global Business Services, and Shared Services leaders must accelerate cash flow generation, reduce operational overheads, and scale faster.

    Aimie is now agentic. Designed as an enterprise teammate, her first capability is being an autonomous Cash Collection Agent, trained on $7.2 trillion in payment experiences and insights from 40 million buyers worldwide. “Simply put, Aimie does not wait for instructions,” said Rob Harvey, Chief Product Officer at Sidetrade. “Aimie does much more than merely follow a script; she makes decisions. That’s the real breakthrough. Agentic AI propels Order-to-Cash processes beyond automation into autonomous decision-making, unlocking new levers for sustainable financial performance. By combining human oversight with self-directed agents, we are creating an opening for more adaptive, scalable finance operations, where manual processes do not hold back growth.”

    Aimie’s Cash Collection Agent is ready for deployment across Europe and North America:

    • Autonomous outbound calling (first contact calls, follow-up calls, voicemail messages) with personalized dialogues suited to every situation;
    • Outcome qualification with automatic case updates;
    • Escalation when a material risk is detected.

    Unlike static bots, Aimie continuously learns from live outcomes, adjusts outreach strategies, and refines prioritization using predictive signals from Sidetrade’s Data Lake.

    Championing consistency to elevate performance
    Early adopters are already experiencing real-world impact. “What I love most about Aimie isn’t the cost savings; it’s her consistency,” said Stephen Dyer, VP Credit & Collections at OpenText. “I manage 100+ collectors globally, and inconsistency is inevitable. Aimie guaranteed precise, repeatable execution which is a game-changer! She also helps to reshape the modern customer 360, enabling us to move past traditional customer experiences toward a data-driven, personalized relationship that can be replicated at scale.”

    Aimie empowers Sidetrade customers with distinctive capabilities:

    • Rapidly learning a company’s culture, products, and terminology, adapting communication in a way that feels native to their brand.
    • Engaging in interactive, qualified conversations with thousands of buyers at scale, acting as a fully-fledged game-changer for managing massive SMB account portfolios, at low cost.
    • Speaking up to 29 languages: allowing for seamless cash collection in local languages and contexts.
    • Making 1,000 outbound calls daily, operating 24/5.
    • Accelerating cash flow by scaling the most effective channel in collections: outbound calling.

    Aimie takes on the high-volume, low-value tasks that drain finance teams, automating repetitive work with consistency, wherever the geography. The results? Reduced administrative burden on accounts receivable, so talent can refocus on strategic impact. Speaking with early adopters, Harvey commented: “They are not worried about a robot taking their job… because most of them already feel like they are doing the robot’s job. Moreover, they are aware that if we fail to design an AI co-worker, tomorrow’s finance will feel less human as they will be stuck talking to accounts payable robots instead of solving real strategic problems.”

    Building on CFOs economic environment
    Aimie’s unique advantage is Sidetrade’s Data Lake, which manages 10 payment events per second across one billion transactions, making it the largest real-time O2C behavioral database in the market. “Aimie’s intelligence comes from context-rich data, not just clever LLM’s,” said Mark Sheldon, Sidetrade’s Chief Technology Officer. “Generic AI systems lack the contextual data needed to operate as domain experts. But Aimie does. With $7.2 trillion in behavioral payment signals, Aimie adapts with pinpoint precision, and she keeps learning. Finance departments gain access to a new resource: tireless and infinitely scalable.”

    Sidetrade has been training finance-specific models since 2015, with generative capabilities added in 2024. The AI Cash Collection Agent is part of a broader rollout of Sidetrade’s new agentic AI, which includes purpose-built agentic functionalities for email auto-response, portal data extraction, and cash application exception handling. As an AI orchestrator, Aimie coordinates a team of domain-specific agents to run the O2C cycle autonomously. “AI goes agentic,” stated Harvey. “Each agent operates independently to process thousands of customer emails and payments per day. Together, they represent a step-change in how finance teams execute their O2C processes.”

    Sheldon concluded: “Short-term, what companies need to define is the level of autonomy they are willing to delegate to agents, the role human oversight should play, and how best to optimize their resources in this new paradigm. Rather than giving in to fears around agentic AI or human replaceability, I encourage business leaders to rethink the role of people within organizations that fully harness this technological shift. The most forward-thinking leaders already augment operational efficiency while repositioning their teams toward higher-value, strategic work.”

    Aimie, Sidetrade’s AI Cash Collection Agent, is now available for early adopters. Meet Aimie, here.

    Media relations @Sidetrade
    Christelle Dhrif                +33 6 10 46 72 00          cdhrif@sidetrade.com
    About Sidetrade (www.sidetrade.com)
    Sidetrade (Euronext Growth: ALBFR.PA) provides a SaaS platform designed to revolutionize how cash flow is secured and accelerated. Leveraging its new-generation agentic AI, nicknamed Aimie, Sidetrade analyzes $7.2 trillion worth of B2B payment transactions daily in its Cloud, thereby anticipating customer payment behavior and the attrition risk of 40 million buyers worldwide. Sidetrade has a global reach, with 400+ talented employees based in Europe, the United States, and Canada, serving global businesses in more than 85 countries. Among them: AGFA, BMW Financial Services, Bunzl, DXC, Engie, Inmarsat, KPMG, Lafarge, Manpower, Morningstar, Page, Randstad, Safran, Saint-Gobain, Securitas, Siemens, UGI, Veolia.
    For further information, visit us at www.sidetrade.com and follow @Sidetrade on LinkedIn.
    In the event of any discrepancy between the French and English versions of this press release, only the English version is to be taken into account.

    Attachment

    • Sidetrade introduces first-ever AI Cash Collection Agent, autonomous and interactive

    The MIL Network –

    May 22, 2025
  • MIL-OSI: XRP News: 7 Days Left, Buy $XDX Before XenDex Presale Closes and Exchange Listings Begin

    Source: GlobeNewswire (MIL-OSI)

    SYDNEY, May 21, 2025 (GLOBE NEWSWIRE) — With just 7 days remaining, the clock is ticking for investors to secure their allocation of $XDX tokens before the XenDex presale officially ends. Having already filled its soft cap and with the hard cap nearly reached, XenDex is entering its final presale phase and early momentum is turning into full-blown market attention.

    XenDex is emerging as the most anticipated DeFi launch on the XRP Ledger, offering real utility, speed, and accessibility at a time when XRP is experiencing a powerful market resurgence.

    Buy XDX

    Riding on the recent news of the possibility of XRP price hitting all time high, XenDex is building the DeFi infrastructure XRP has long needed. Its all-in-one decentralized exchange (DEX) is in active development, and the Version 1 of the DEX will be unveiled soon, showcasing every feature in action.

    A First-of-Its-Kind Platform on XRPL

    XenDex combines the best of DeFi in a beginner-friendly, powerful interface, including:

    • AI-Powered Copy Trading – Mirror successful trades and reduce risk in real-time
    • Non-Custodial Lending & Borrowing – Earn rewards by lending or using assets as collateral
    • Cross-Chain Trading – Seamlessly swap XRP tokens across networks like Solana, Ethereum, and BNB
    • Staking & Yield Farming – Earn passive income by supplying liquidity to XenDex pools
    • DAO Governance – Let the community steer the direction of the platform via $XDX voting rights

    Join XenDex Presale

    The upcoming mockup will give the community a first look at how these features will function and only presale buyers will get early access to the live platform once it launches.

    Presale Details (Final Phase)

    • Soft Cap: Filled
    • Hard Cap: Almost Filled
    • Price: 1.25 XRP = 10 XDX
    • Minimum Buy: 150 XRP

    Buy Now Before the Presale Ends: https://xendex.net/presale

    Confirmed Listings on Major Exchanges

    Once the presale closes, $XDX will be listed on:

    • Binance
    • Gate.io
    • MEXC
    • BitMart
    • FirstLedger
    • MagneticX

    Buy $XDX Now Before Listing On Binance

    Thousands have already joined the XenDex community across Telegram and X (Twitter), locking in their $XDX tokens before exchange listings go live. With the soft cap filled, token supply shrinking, and momentum building by the hour, this is your last best opportunity to buy before price pressure explodes.

    With XRP’s momentum stronger than ever and XenDex close to launching, this is your last chance to buy before price surges post-listing.

    Join the XenDex Community

    Website: https://xendex.net
    Presale: https://xendex.net/presale
    Telegram: https://t.me/xendexcommunity
    Twitter/X: https://x.com/xendex_xrp
    Docs: https://xdxdocs.gitbook.io

    Contact:
    Frank Richards
    Frank@xendex.net

    Disclaimer: This is a paid post provided by XenDex. The statements, views, and opinions expressed in this content are solely those of the content provider and do not necessarily reflect the views of this media platform or its publisher. We do not endorse, verify, or guarantee the accuracy, completeness, or reliability of any information presented. We do not guarantee any claims, statements, or promises made in this article. This content is for informational purposes only and should not be considered financial, investment, or trading advice.

    Investing in crypto and mining-related opportunities involves significant risks, including the potential loss of capital. It is possible to lose all your capital. These products may not be suitable for everyone, and you should ensure that you understand the risks involved. Seek independent advice if necessary. Speculate only with funds that you can afford to lose. Readers are strongly encouraged to conduct their own research and consult with a qualified financial advisor before making any investment decisions. However, due to the inherently speculative nature of the blockchain sector—including cryptocurrency, NFTs, and mining—complete accuracy cannot always be guaranteed. Neither the media platform nor the publisher shall be held responsible for any fraudulent activities, misrepresentations, or financial losses arising from the content of this press release. In the event of any legal claims or charges against this article, we accept no liability or responsibility. Globenewswire does not endorse any content on this page.

    Legal Disclaimer: This media platform provides the content of this article on an “as-is” basis, without any warranties or representations of any kind, express or implied. We assume no responsibility for any inaccuracies, errors, or omissions. We do not assume any responsibility or liability for the accuracy, content, images, videos, licenses, completeness, legality, or reliability of the information presented herein. Any concerns, complaints, or copyright issues related to this article should be directed to the content provider mentioned above.

    A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/8182d808-49c5-41f6-a354-e7cca62a378a

    The MIL Network –

    May 22, 2025
  • MIL-OSI: Credit Agricole Sa: The Crelan Group and Crédit Agricole announce the signing of an agreement for a long-term partnership

    Source: GlobeNewswire (MIL-OSI)

    Press release

    Brussels, Montrouge, 21 May 2025

    The Crelan Group and Crédit Agricole
    announce the signing of an agreement
    for a long-term partnership

    • The Crelan Group and the Crédit Agricole Group have announced a new strategic partnership that will enable Crelan’s customers to benefit from a wider range of banking products and services.
    • This agreement will allow Crelan to ramp up its commercial development and organic growth, and Crédit Agricole to ensure the development of its business lines in Belgium.

    What does the agreement entail?

    The partnership, which entails the Crédit Agricole Group obtaining a minority stake of 9.9% in Crelan, includes commercial collaborations in the areas of asset management (with Amundi), private banking and wealth management (with Indosuez Wealth Management/Bank Degroof Petercam) and leasing (with CA Leasing & Factoring).

    Crelan and the Crédit Agricole Group also intend to establish other joint commercial initiatives in the near future.

    “Crelan and Crédit Agricole share the same vision and approach to cooperative banking. By sharing our expertise, we will become stronger and offer a wider range of high-quality banking services. Our shared cooperative DNA will be what cements our partnership, for the benefit of our customers, our cooperators and society as a whole.” Philippe Voisin, CEO of Crelan.

    “We are thrilled to be supporting Crelan – a major Belgian cooperative bank – in its development objectives, through the recognised expertise of our asset management, wealth management and leasing businesses.” Olivier Gavalda, Chief Executive Officer of Crédit Agricole S.A.

    “Through this partnership with Crédit Agricole, we will be able to broaden our range of services for our individual customers. But it will also allow us to renew our long-term commitment to self-employed individuals and SMEs with tailored financing solutions.” Joris Cnockaert, CCO of Crelan.

    What will change for Crelan?

    Crelan is a cooperative bank firmly established in Belgium. The entirety of the deposits will remain invested in Belgium. The network of independent agents will continue to ensure proximity to customers. In addition, by joining forces with Crédit Agricole, Crelan will fully preserve its cooperative model and its founding values, thereby guaranteeing its commitment to its cooperative shareholders.

    What are the financial implications?

    The conclusion of commercial agreements will have a positive impact on the revenues of both groups.
    This minority stake will have a positive financial impact of around 2% on Crelan’s consolidated 2025 transitional CET1 capital ratio and a non-material impact on the Crédit Agricole Group’s CET1 ratio.

    The Crelan Group and Crédit Agricole plan to finalise the partnership agreement in the coming months, subject to final negotiations.

    About the Crelan Group
    The financial group ranks fifth among Belgian retail banks in terms of total assets. The Crelan group is represented by two bank brands: Crelan and Europabank. At 31 December 2024, the Crelan group had: 4327 employees (including staff members, independent bank agents, and their employees), 727 branches, 296,751 cooperative shareholders, nearly 1.7 million customers, and €55.8 billion in total assets. In addition, the banking group manages €44.3 billion in customer deposits, €16.5 billion in off-balance sheet investments, and supports Belgian households and businesses with €49.5 billion in loans.

    About Crédit Agricole
    The Crédit Agricole Group is the leading financial provider of the French economy and one of the leading banking players in Europe. As European leader in retail banking, the Group is also the leading asset manager, bankinsurer and third-largest project financing institution.
    With its strong cooperative and mutualist foundations, 157,000 employees and 27,423 local and regional bank directors, the Crédit Agricole Group is a responsible and useful bank serving 54 million customers and 12.1 million members.
    Thanks to its universal customer-focused banking model – based on the close cooperation between its retail banks and their related businesses – the Crédit Agricole Group supports its customers in their projects in France and throughout the world: day-to-day banking, real estate and consumer loans, savings, insurance, asset management, real estate, leasing, factoring, and corporate and investment banking.
    Serving the economy, Crédit Agricole also stands out for its dynamic and innovative corporate social responsibility policy. It is based on a pragmatic approach that informs the entire Group and empowers every employee to take action.

      
    Crelan press contact

    Caroline Beauvois, Press & Corporate Communication Expert
    Tel: + 32 (0) 475 82 09 34
    Mail: press@crelan.be

    Crédit Agricole press contacts

    Olivier Tassain: olivier.tassain@credit-agricole-sa.fr – +33 6 75 90 26 66
    Alexandre Barat: alexandre.barat@credit-agricole-sa.fr – +33 6 19 73 60 28
    Bénédicte Gouvert: benedicte.gouvert@ca-fnca.fr – +33 1 49 53 43 64

    All our press releases can be found at: https://www.credit-agricole.com/en

    Attachment

    • 2025 05 21 PR Crelan & Crédit Agricole

    The MIL Network –

    May 22, 2025
  • MIL-OSI: LambdaTest Enhances Mobile App Testing with Camera Image Injection on Virtual Mobile Devices

    Source: GlobeNewswire (MIL-OSI)

    San Francisco, CA, May 21, 2025 (GLOBE NEWSWIRE) — LambdaTest, a unified agentic AI and cloud engineering platform, has announced a major enhancement to its real-time manual testing suite: Camera Image Injection. This tool empowers developers and quality assurance teams to test image capture, QR code scanning, and barcode scanning functionalities across a wide range of real mobile devices.

    The Camera Image Injection tool is compatible with over 3,000 real devices, supporting image-based functionalities and in-app image upload workflows. By enabling this feature, teams can ensure their applications perform seamlessly across diverse device ecosystems, enhancing user experience and application reliability.

    This capability removes the reliance on physical devices and enables seamless image injection via Application Programming Interfaces (APIs), saving time, costs, and effort. Teams building applications for FinTech, logistics, retail, and AR platforms can now validate complex visual workflows quickly and efficiently by injecting test images like QR codes or ID cards directly into the virtual camera input.

    “Ensuring that mobile applications function flawlessly across various devices is crucial in today’s diverse mobile landscape,” said Mayank Bhola, Co-Founder and Head of Product at LambdaTest. “With the Camera Image Injection feature, we are providing developers with the tools to test and validate image-related functionalities in real-world scenarios, leading to more robust and user-friendly applications.”

    The Camera Image Injection rollouts demonstrate LambdaTest’s continued commitment to providing innovative, reliable, and accessible tools for modern QA workflows. Whether you’re building secure banking platforms, immersive AR experiences, or education-focused web apps, LambdaTest is equipping teams with the tools they need to deliver quality faster and smarter.

    About LambdaTest

    LambdaTest is an AI-native, omnichannel software quality platform that empowers businesses to accelerate time to market through intelligent, cloud-based test authoring, orchestration, and execution. With over 15,000 customers and 2.3 million+ users across 130+ countries, LambdaTest is the trusted choice for modern software testing.

    • Browser & App Testing Cloud: Enables manual and automated testing of web and mobile apps across 10,000+ browsers, real devices, and OS environments, ensuring cross-platform consistency.
    • HyperExecute: An AI-native test execution and orchestration cloud that runs tests up to 70% faster than traditional grids, offering smart test distribution, automatic retries, real-time logs, and seamless CI/CD integration.
    • KaneAI: The world’s first GenAI-native testing agent, leveraging LLMs for effortless test creation, intelligent automation, and self-evolving test execution. It integrates directly with Jira, Slack, GitHub, and other DevOps tools.

    For more information, please visit, https://lambdatest.com

    The MIL Network –

    May 22, 2025
  • MIL-OSI Asia-Pac: Foreign, health ministers call on WHO to facilitate Taiwan’s participation

    Source: Republic of China Taiwan

    May 16, 2025  No. 157  

    During a joint press conference on May 16, Minister of Foreign Affairs Lin Chia-lung and Minister of Health and Welfare Chiu Tai-yuan called on the World Health Organization (WHO) to facilitate Taiwan’s participation. They said that Taiwan would demonstrate self-confidence and work with the world while showcasing the professionalism of Taiwan’s medical diplomacy team.
     
    The 78th World Health Assembly (WHA) is set to open in Geneva on May 19. Minister Lin and Minister Chiu held a joint press conference at the Ministry of Foreign Affairs (MOFA) on the morning of May 16, at which they underscored Taiwan’s willingness to contribute to better global health. The two ministers said that the WHO should not brook political interference but rather should promptly invite Taiwan to participate as an observer in the WHA as well as WHO technical meetings and thus realize WHO’s goal of “One World for Health.” 
     
    Making a special appearance at the press conference was the Puzangalan Children’s Choir of Pingtung County, which performed “Ualjaiyui,” a traditional song of blessing of the Paiwan indigenous community. The song speaks of good fortune and of passing on traditions. Taiwan shares such sentiments for its WHA Action Team headed to Geneva as well as to the world at large. Minister Lin pointed out that the choir would also be traveling to Geneva to show that Taiwan was not just a land of technology but also home to cultural soft power. 
     
    Minister Lin shared that this year’s WHA slogan is “One World for Health” and that the government was calling on WHO to “Chip in with Taiwan” so that no nation or people would be left behind, allowing Taiwan to work with other nations toward a healthier world. Adding that health and disease knew no borders, he said that in addressing COVID-19 Taiwan showed great resilience and was able to assist other nations. Excluding Taiwan from the WHA and WHO therefore represented a loss for the international community.
     
    Minister Lin further commented that Taiwan’s national health insurance program has enrolled 99 percent of residents and that no matter where people lived, they had access to Taiwan’s quality medical services and social security net, an accomplishment praised worldwide. Acknowledging WHO’s Global Action Plan for Health of Indigenous Peoples, the minister said that Taiwan was ready to share its experience providing quality medical care to indigenous people. 
     
    In the AI era, Minister Lin stated, utilizing digital technology could improve access to medical care. Reflecting this, MOFA would for the first time hold a forum on smart medicine in Geneva, at which both Acer Medical and Quanta Computer would share their experience in order to promote a Taiwan model of smart medicine. Taiwan, he said, would continue to show how it could help and underscore its role as a global leader in semiconductors and related technology. 
     
    Minister Lin said that to realize President Lai Ching-te’s vision of a healthy Taiwan, MOFA had implemented the Diplomatic Allies Prosperity Project and eight flagship projects, which included the smart medicine and healthcare industries. He said thats MOFA had worked with the Ministry of Health and Welfare (MOHW) to establish a Taiwan medical diplomacy team as well as a medical consultation team that included professionals from medical firms and organizations. Through the “One Country, One Center” project, medical cooperation would be strengthened with New Southbound Policy partner countries. Such efforts would also bring Taiwan’s healthcare industry—comprising its biotech, pharmaceutical, and information technology sectors—to the world. 
     
    Minister Lin thanked the nation’s diplomatic allies for making proposals in favor of Taiwan’s participation, as well as like-minded countries for taking such concrete steps as sending letters and conducting joint demarches in support of Taiwan. Such actions underscored the strength of international support for Taiwan. However, China’s distortion of UN General Assembly Resolution 2758 and its pressure on the WHO Secretariat meant that Taiwan had yet to be invited to attend the WHA.
     
    Minister Lin stressed that Taiwan had established a government firmly rooted in popular support by conducting many democratic elections. As such, only the popularly elected government of Taiwan could represent the people of Taiwan at the United Nations, WHO, and other multilateral organizations. Many nations’ executive and legislative branches had publicly stated that UNGA Resolution 2758 did not preclude Taiwan’s participation in international organizations such as WHO. He then expressed hope that more nations would work together in support of Taiwan’s participation in WHO and oppose China’s international efforts at lawfare and cognitive warfare. 
     
    In addition, Minister Lin said that this year’s WHA slogan was “One World for Health” and that a Pandemic Agreement would be signed during the meeting. Taiwan had, he said, already shown the humanitarian spirit of “Taiwan can help” during COVID-19 and proved itself a valuable resource to WHO. However, Taiwan’s absence left a gap in the global public health and disease prevention network, said Minister Lin, who called on the WHO Secretariat to not brook political interference, to maintain professionalism and neutrality, and to facilitate Taiwan’s membership in the global public health and disease prevention network so as to create greater welfare for the world.
     
    In closing, Minister Lin said that Taiwan’s WHA Action Team would conduct publicity efforts in Geneva starting from May 16 and that MOFA and the MOHW would work together with self-confidence and engage the world. Moreover, the ministries would be proactive in making Taiwan’s voice heard and ensure that Taiwan responded to “One World for Health” and appealed to others to “Chip in with Taiwan” by making greater contributions to global public health. (E)

    MIL OSI Asia Pacific News –

    May 22, 2025
  • MIL-OSI USA: Scientists design gene delivery systems for cells in the brain and spinal cord

    Source: US Department of Health and Human Services – 2

    News Release
    Wednesday, May 21, 2025

    NIH-funded breakthrough could enable targeted therapies for many neurological disorders.

    Research teams funded by the National Institutes of Health (NIH) have created a versatile set of gene delivery systems that can reach different neural cell types in the human brain and spinal cord with exceptional accuracy. These delivery systems are a significant step toward future precise gene therapy to the brain that could safely control errant brain activity with high precision. In contrast, current therapies for brain disorders mostly treat only symptoms.
    The new delivery systems carry genetic material into the brain and spinal cord for targeted use by specific cell types. This platform has the potential to transform how scientists can study neural circuits. It provides researchers with gene delivery systems for various species used in research, without the need for genetically modified, or transgenic, animals. Examples include illuminating fine structures of brain cells with fluorescent proteins and activating or silencing circuits that control behavior and cognition.
    “Imagine this new platform as a delivery truck dropping off specialized genetic packages in specific cell neighborhoods in the brain and spinal cord,” said John Ngai, Director of the NIH’s Brain Research Through Advancing Innovative Neurotechnologies® Initiative, or The BRAIN Initiative®. “With these delivery systems, we can now access and manipulate specific cells in the brain and spinal cord – access that was not possible before at this scale.”
    The new delivery tools, which use a small, stripped-down adeno-associated virus (AAV) to deliver DNA to target cells, can be broadly applied across many species and experimental systems, including small tissue samples removed during human brain surgeries. The delivery systems have been tested, or validated, in intact living systems, which is an important step for introducing new tools for widespread use. The newly published toolkit includes:

    Dozens of delivery systems that selectively target key brain cell types, including excitatory neurons, inhibitory interneurons, striatal and cortical subtypes, brain blood vessel cells, and hard-to-reach neurons in the spinal cord that control body movement and are damaged in several neurological diseases, such as amyotrophic lateral sclerosis (ALS) and spinal muscular atrophy
    Computer programs powered by artificial intelligence (AI) that can identify genetic “light switches,” known as enhancers, that turn genes on in specific brain cell types, using data from many different species – cutting considerable time and effort for scientists looking for these genetic switches.

    Overall, this collection of research tools will significantly accelerate understanding of the human brain. Importantly, the toolkit enables access to specific brain cell types in the prefrontal cortex, an area that’s critical for decision-making and uniquely human traits. With other tools in the collection, scientists can better study individual cells and communication pathways known to be affected in several neurological diseases. These include seizure disorders, ALS, Parkinson’s disease, Alzheimer’s disease, and Huntington’s disease – as well as various neuropsychiatric conditions.
    AAV-based treatments are already approved for some conditions, such as spinal muscular atrophy for which a 2016 approval of a gene therapy known as Zolgensma transformed the lives of infants and young children who once faced severe disability or early death. The new collection of gene delivery resources lays the groundwork for more precise treatments that target only affected cells in the brain, spinal cord, or brain blood vessels.
    The toolkit is available at distribution centers including Addgene, a global supplier of genetic research tools. This collection of publications offers researchers standard operating procedures and user guides for these tools.
    The work is supported by the NIH’s Brain Research Through Advancing Innovative Neurotechnologies® Initiative, or The BRAIN Initiative®. Funding issued less than four years ago launched a large-scale, team-run project to design new molecular tools that can be useful to many research laboratories. The Armamentarium for Precision Brain Cell Access aims to develop precise and reproducible access to cells and circuits in experimental research models of the brain and spinal cord. The large-scale project brings together experts in the field of molecular biology, neuroscience, and artificial intelligence (AI). The eight papers appear in the May 21 issue of the journals Neuron, Cell, Cell Reports, Cell Genomics, and Cell Reports Methods.
    Grants: UF1MH130701, UH3MH120096, U24MH133236, UF1MH128339, UM1MH130981, R01MH123620, U19MH114830, P510D010425, U420D011123, S10MH126994, UH3MH120094, UF1MH130881, F30DA053020, R01FD007478, U01AG076791, R35GM127102, RF1MH114126, UH3MH120095, RF1MH121274, R01MH113005, UH3MH120095
    The Brain Research Through Advancing Innovative Neurotechnologies® Initiative and The BRAIN Initiative® are registered trademarks of the U.S. Department of Health and Human Services.
    The NIH BRAIN Initiative, a multidisciplinary collaboration across 10 NIH Institutes and Centers, is uniquely positioned for cross-cutting discoveries in neuroscience to revolutionize our understanding of the human brain. By accelerating the development and application of innovative neurotechnologies, The BRAIN Initiative® is enabling researchers to understand the brain at unprecedented levels of detail in both health and disease, improving how we treat, prevent, and cure brain disorders. The BRAIN Initiative involves a multidisciplinary network of federal and non-federal partners whose missions and current research portfolios complement the goals of The BRAIN Initiative. 
    About the National Institutes of Health (NIH): NIH, the nation’s medical research agency, includes 27 Institutes and Centers and is a component of the U.S. Department of Health and Human Services. NIH is the primary federal agency conducting and supporting basic, clinical, and translational medical research, and is investigating the causes, treatments, and cures for both common and rare diseases. For more information about NIH and its programs, visit www.nih.gov.
    NIH…Turning Discovery Into Health®

    ###

    MIL OSI USA News –

    May 22, 2025
  • MIL-OSI USA: Pushing Boundaries and Becoming Beacons for Positive Change

    Source: US State of Connecticut

    The Academy of Distinguished Engineers, class of 2025, gathered for this year’s induction ceremony last week on the UConn Storrs campus. The annual event featured comments from JC Zhao, dean of the College of Engineering (CoE), and was emceed by 2024 inductees Rashi Akki, and Mark Raymond. Attendees included new Academy inductees and GOLD Rising Star recipients, their friends and family, as well as past Academy members.

    Zhao praised the class of 2025 for its accomplishments and contributions to engineering research, leadership and societal impact.

    “This was my first Academy of Distinguished Engineers awards ceremony since becoming dean of the College of Engineering,” Zhao says. “I take great pride in recognizing and celebrating the amazing achievements of our Academy inductees and Rising Stars.  It was also a pleasure meeting these CoE graduates, their families and the previous awardees who joined us.

    Dean JC Zhao (left) and He Li, Academy 2025 GOLD Rising Star (Christopher LaRosa/UConn Photo)

    “These highly accomplished men and women are a testament to the overall quality of education we offer here at UConn, as well as recognition for the many CoE faculty and mentors who helped guide them. We are proud of their achievements and look forward to hearing about their continued successes and their positive impact on our society.”

    Induction into the Academy recognizes CoE alumni for their exemplary contributions to the engineering profession through research, practice, education, policy or service, says Kylene Perras, assistant dean, Operations and Strategic Initiatives. The GOLD (Graduates of the Last Decade) Rising Star awards recognize graduates over the past decade who inspire the world around them through their contributions to engineering and society.

    “The Academy’s members are considered to be among the most successful and distinguished engineers in their respective fields,” Perras adds. “They each represent UConn Engineering, with distinction and strong leadership, and inspire current and future CoE students. And while they may not have been in the field for as many years, our Rising Stars also are making their mark and cutting successful professional trails.”

    Academy inductee Erika Lindeberg (Christopher LaRosa/UConn Photo)

    One of this year’s inductees, Erika Lindeberg, earned her B.S. and M.S. degrees in civil engineering at UConn. She is a senior project manager and group leader at Jacobs Engineering Group, Inc., a global leader in advanced manufacturing, energy, environmental, life sciences, transportation and more. Prior to joining Jacobs, she worked for the Connecticut Department of Transportation, including five years spent as principal engineer in their Division of Traffic Engineering.

    “Both of my parents are UConn alumni and taught me the importance of mentoring and of working for the common good,” Lindeberg says. “As engineers, we have a profound responsibility to ensure that the effective application of engineering and science serve a higher purpose and improve the comfort and safety of human life. To that end, sharing our knowledge, which includes mentoring others, is a critical responsibility and obligation.”

    JC Zhao (left) and Academy inductee Nasir Mannan (Christopher LaRosa/UConn Photo)

    Another inductee, Nasir Mannan, earned his B.S. degree in mechanical engineering in 2007 at the then School of Engineering at UConn. Mannan is the principal engineer at the Connecticut Center for Advanced Technology’s Advanced Design Automation and Metrology lab, where he leads the integration of 4.0 technologies to help strengthen the U.S. supply chain. Like Lindberg, he shared similar sentiments about the need to help others and to become beacons for positive change.

    “In addition to building things, we create, innovate, discover and connect. All society is one human race, and the work we’re doing can push the boundaries of what’s possible, as well as what’s needed,” Mannan says. “I’m grateful for this recognition, and excited about the future and the opportunities we share to greatly improve the quality of life on earth for all beings through the technology we create and help implement as engineers.”

    This year’s inductees are:

    • James Bosse: B.S., M.S., and Ph.D., Materials Science and Engineering, University of Connecticut (’09, ’12, ’14)
    • Marat Kulakhmetov: B.S., Mechanical Engineering, University of Connecticut (’09), M.S. and Ph.D., Aeronautics and Astronautics, Purdue University (’11, ’16)
    • Michael Lamont: B.S., Civil Engineering, University of Connecticut (’91)
    • John Leonard: B.S., Mechanical Engineering, University of Connecticut (’89), M.S., Mechanical Engineering, Arizona State University (’94)
    • Erika Lindeberg: B.S. and M.S., Civil Engineering, University of Connecticut (’94, ’04)
    • Nasir Mannan: B.S., Mechanical Engineering, University of Connecticut (’07)
    • Steven Naboicheck: B.S., Electrical and Computer Engineering, University of Connecticut (’81)
    • Frederick Sporck: B.S., Electrical Engineering and Computer Science, University of Connecticut (’78), M.S., Physics, University of Vermont (’84)
    • Adrian Weidmann: B.S., Chemical and Biomolecular Engineering, University of Connecticut (‘02)
    • Peyman Zamani: B.S., Computer Science and Engineering, Master of Business Administration, University of Connecticut (’95, ’06)

    This year, the GOLD (Graduates of the Last Decade) Rising Star recipients are: 

    • Yongduk Lee: B.S., M.S., Hankyong National University (’06, ’08), Ph.D., Electrical Engineering, University of Connecticut (’15) 
    • He Li: B.S., Beijing University of Technology (’05), M.S., University of Saskatchewan (’08), Ph.D., Mechanical Engineering, University of Connecticut (’15) 
    • Qin Lu: B.S., University of Electronic Science and Technology of China (’13), Ph.D., Electrical and Computer Engineering, University of Connecticut (’18) 

    MIL OSI USA News –

    May 22, 2025
  • MIL-OSI: Insurtech Insights USA 2025 Returns with the Industry’s Most Influential Gathering of Innovators and Executives

    Source: GlobeNewswire (MIL-OSI)

    NEW YORK, May 21, 2025 (GLOBE NEWSWIRE) — Insurtech Insights USA 2025, the largest and most influential gathering of insurance decision-makers in North America, returns to the Javits Center in New York City on June 4–5, 2025. This year’s edition will host more than 6,000 attendees and 400+ speakers over two days of high-impact programming, strategic networking, and transformative industry dialogue.

    A powerful roster of global insurance and insurtech leaders is confirmed to attend, including senior executives from Munich Re, AXA, Sun Life, MetLife, Solera, Owl.co, Federato, Clearspeed, LexisNexis Risk Solutions, Majesco, AgentSync, and many more. This world-class conference will serve as a launchpad for bold ideas, cross-sector collaboration, and the technological reinvention of the insurance industry.

    “At Insurtech Insights, we believe in building bridges between tradition and transformation,” said Kristoffer Lundberg, CEO of Insurtech Insights. “In 2025, we’re proud to host the world’s most forward-thinking insurers and innovators as they tackle the industry’s most urgent challenges. From leveraging GenAI and automation, to reimagining underwriting, claims, and customer engagement. This is more than a conference, it’s the heartbeat of the insurance revolution.”

    Insurtech Insights USA 2025 will feature curated keynote presentations, interactive panels, fireside chats, and startup showcases, exploring the innovations shaping the insurance industry’s future. Topics will include:

    • Generative AI in operations and claims
    • Climate risk modeling and sustainability
    • Embedded insurance and customer experience
    • Data ethics and regulatory evolution
    • Technology-driven strategies for growth and efficiency etc

    With more than 97% of past attendees recommending the event, Insurtech Insights has become a trusted space for industry professionals looking to challenge conventional thinking, identify emerging opportunities, and build the next generation of insurance solutions. Attendees leave equipped with both strategic vision and tactical insights, making it a must-attend for innovation leaders across all insurance lines—life, health, property & casualty, commercial, and specialty.

    This year’s event also places a spotlight on global collaboration and inclusivity, bringing together voices from across the Americas, Europe, and Asia to address shared challenges such as digital transformation, talent acquisition, climate adaptation, and regulatory modernization. As the industry faces unprecedented disruption, Insurtech Insights USA 2025 is the definitive platform to navigate what’s next.

    For more information and to secure your pass, visit the website here.

    About Insurtech Insights USA

    Insurtech Insights USA is the leading global conference for the insurtech industry, bringing together experts, innovators, and thought leaders to discuss the latest trends, challenges, and opportunities shaping the future of insurance. With a focus on innovation, collaboration, and disruption, Insurtech Insights USA provides a platform for networking, learning, and driving meaningful change in the insurance sector.

    For media queries and other information, please contact:

    Girish Jaggi
    Senior Account Manager
    The MicDrop Agency
    girish@themicdropagency.com
    +1 (289) 623 3627

    The MIL Network –

    May 22, 2025
  • MIL-OSI: FCCI Insurance Group Honored with Duck Creek Standard of Excellence Customer Award at Formation ’25

    Source: GlobeNewswire (MIL-OSI)

    BOSTON, May 21, 2025 (GLOBE NEWSWIRE) — Duck Creek Technologies, the global intelligent solutions provider defining the future of property and casualty (P&C) and general insurance, has named FCCI Insurance Group (FCCI) a recipient of its 2025 Standard of Excellence Customer Award winner at Formation ’25, its flagship customer conference held this week in Orlando, Florida.

    The Duck Creek Standard of Excellence Customer Award recognizes customers who have achieved the highest level of excellence through their implementation of Duck Creek solutions to transform their business and shape the future of insurance.

    FCCI was recognized for its successful launch of Excess & Surplus (E&S) offerings using a suite of Duck Creek’s solutions, including Policy, OnDemand, Data Insights/Clarity, Distribution Management, and Digital Engagement Producer.

    FCCI is a commercial property and casualty insurance company that serves mid-sized businesses across various industries, including agribusiness, construction, healthcare, hospitality, retail, and manufacturing. Their product offerings include workers’ compensation, property, and general liability insurance.

    Originally founded in 1959 in Sarasota, Florida, FCCI has grown into a super-regional provider, delivering standard lines commercial insurance services in 19 states, with Surety and Specialty operating in an expanded state footprint. The company emphasizes its network of more than 550 contracted agencies and more than 3,800 independent agents.

    FCCI’s recent expansion into E&S lines focused on enhancing digital capabilities, streamlining operations, and speed to market for new offerings.

    By implementing Duck Creek’s Policy Administration System and Active Delivery model, FCCI achieved straight-through processing, automated intake, and seamless integration. Regulatory compliance was strengthened while a modern self-service portal provided agents with real-time capabilities.

    “Our goal was to reimagine how we serve the commercial insurance market, particularly within E&S lines, and Duck Creek helped us do just that,” said Dave Patel, EVP & Chief Information Officer at FCCI Insurance Group. “This award is a testament to the innovation, collaboration, and determination of everyone involved in bringing this vision to life.”

    Despite the complexities of E&S markets and a tight implementation timeline, FCCI collaborated closely with Duck Creek, Cognizant, and other partners to design, test, and deploy a future-ready solution and ensure quality delivery of production environments.

    Following a successful implementation, the launch of FCCI Specialty exceeded initial projections for both premium and policy count, resulting in excitement and positive feedback from FCCI’s trusted agency partners.

    “From enhanced agent experiences to agile regulatory adaptation, FCCI’s story is a powerful example of what’s possible through technology, teamwork, and forward-thinking leadership,” said Chris McCloskey, Chief Operating Officer of Duck Creek Technologies. “Their success reflects not only the power of our platform, but also the dedication of their team and partners in transforming complex business requirements into real, measurable outcomes.”

    About Duck Creek Technologies 
    Duck Creek Technologies is the global intelligent solutions provider defining the future of the property and casualty (P&C) and general insurance industry. We are the platform upon which modern insurance systems are built, enabling the industry to capitalize on the power of the cloud to run agile, intelligent, and evergreen operations. Authenticity, purpose, and transparency are core to Duck Creek, and we believe insurance should be there for individuals and businesses when, where, and how they need it most. Our market-leading solutions are available on a standalone basis or as a full suite, and all are available via Duck Creek OnDemand. Visit www.duckcreek.com to learn more. Follow Duck Creek on our social channels for the latest information – LinkedIn and X.

    Media Contacts:
    Marianne Dempsey/Tara Stred
    duckcreek@threeringsinc.com 

    About FCCI Insurance Group – Founded in 1959 in Sarasota, Florida, FCCI Insurance Group provides commercial property and casualty insurance, risk control services, and surety bonds. FCCI writes business exclusively through more than 3,800 independent agents in 20 states, plus Washington, D.C. Coverages include auto, crime, cyber liability, equipment, excess & surplus, property, general liability, inland marine, umbrella, and workers’ compensation. Contract and commercial surety bonds are written in 45 states.

    FCCI insures over 12,000 policyholders across various industries, including agribusiness, construction, manufacturing, medical and professional, restaurants and hospitality, retail, service and repair, and wholesale and distribution. FCCI has $3.3 billion in assets, $1.2 billion in direct written premium, and is rated A (Excellent) by A.M. Best Company. FCCI has regional and branch offices in Florida, Georgia, Indiana, Mississippi, Texas, and Virginia.

    The MIL Network –

    May 22, 2025
  • MIL-OSI: Lakeside Software Names Mike Stankowitsch as VP of Global Channels

    Source: GlobeNewswire (MIL-OSI)

    BOSTON, May 21, 2025 (GLOBE NEWSWIRE) — Lakeside Software, the first AI-driven digital employee experience company, today announced the appointment of Mike Stankowitsch as the company’s Vice President of Global Channels.

    The appointment supports Lakeside’s growing emphasis on strategic partnerships, expanded customer relationships, and innovation in the digital employee experience space.

    Stankowitsch brings deep experience in channel leadership, strategic partnership building, and business development for high-growth technology companies. He joins Lakeside from Traliant, a leader in compliance training solutions, where he led efforts to expand the partner ecosystem and drive revenue growth.  He previously held channel leadership roles at Axonify and OpenText.

    “Mike’s expertise in building alliances and scaling revenue will be instrumental as we continue to grow our global channel presence,” said Todd Elliott, Chief Revenue Officer of Lakeside Software. “Our Partner Program is foundational to Lakeside’s strategy of helping organizations with large, complex IT environments gain complete visibility into their digital estates. Mike’s leadership and extensive experience will strengthen our partner ecosystem and ensure our channel strategy remains aligned with Lakeside’s broader growth goals.”

    In this role, Stankowitsch will focus on expanding Lakeside’s global partner network and scaling revenue opportunities through strategic alliances. With global partners including HCLTech, Infosys, Dell, Lenovo, Capgemini, Kyndryl and dozens more, Lakeside’s Partner Program is a critical growth engine, enabling IT services, consulting, and technology providers to deliver greater innovation, customer impact, and operational excellence.

    Powered by AI, Lakeside’s SysTrack platform continuously monitors and optimizes complex digital environments, helping partners drive business outcomes through deeper visibility, faster issue resolution, and improved employee experience.

    “With Lakeside’s commitment to transforming digital employee experiences through AI-driven intelligence, there’s a tremendous opportunity to build a high-performing channel ecosystem,” said Stankowitsch. “I’m excited to collaborate with our expansive network of partners to deliver greater value and outcomes for customers worldwide.”

    Lakeside continues to shape the future of IT through thought leadership and strategic partnerships, including participation in Dell Technology World from May 19-22, 2025, showcasing Dell’s ProSupport Suite with Lakeside in booth #153.

    About Lakeside Software
    Lakeside Software is ushering in a new era of proactive IT with SysTrack, the industry’s most powerful AI-driven Digital Employee Experience (DEX) platform. Trusted by Fortune 500 companies worldwide, Lakeside SysTrack dramatically reduces IT costs, prevents system failures before they occur, and drives strategic decision-making through unparalleled visibility. Learn how you can save 20% on annual IT costs per employee at lakesidesoftware.com.

    Media Contact
    Bridget Bell
    bridget.bell@lakesidesoftware.com

    The MIL Network –

    May 22, 2025
  • MIL-OSI Africa: Afreximbank reports strong performance for Q1 2025 in line with expectations

    Source: Africa Press Organisation – English (2) – Report:

    Afreximbank reports strong performance for Q1 2025 in line with expectations The Group posted strong Net Income of US$215 million, a 21% increase year-on-year from US$178 million in the prior period CAIRO, Egypt, May 21, 2025/APO Group/ — African Export-Import Bank (“Afreximbank” or the “Group”) (www.Afreximbank.com) has released the consolidated financial statements of the Bank and its subsidiaries for the three months ended 31 March 2025. Financial Highlights Afreximbank Group delivered satisfactory financial performance for the first quarter of 2025, meeting expectations with solid profitability, strengthened liquidity and a resilient capital base. This performance provides a springboard for the Bank to continue playing its pivotal role of advancing the aspirations of Africa and the Caribbean for economic transformation and sustainable development in the months and years ahead. Net interest income grew by 4.53% to US$411.2 million compared to prior year, driven by growth in interest earning assets, complemented by effective management of borrowing costs, helping the Bank to cushion the marginal decline in total interest income due to softening benchmark rates. Fee income from Guarantees and Letters of Credit saw robust growth of 47% and 36% respectively, partially offsetting lower advisory fees to contribute to total unfunded income of US$26.9 million for Q1-2025. While this represented a 7.41% decrease from US$29.0 million in Q1 2024, the strong performance in Off-balance sheet assets is in line with the Bank’s strategy to grow unfunded business. The Group posted strong Net Income of US$215 million, a 21% increase year-on-year from US$178 million in the prior period. The Group’s total assets and contingent liabilities increased by 6.4%, reaching US$42.7 billion as of 31 March 2025, up from US$40.1 billion at FY’2024. On-balance sheet assets grew by 4.85% to US$37.0 billion, driven primarily by a 58% surge in cash balances to US$7.4 billion, while Off-balance sheet assets i.e. letters of credit and guarantee volumes increased by a 19% to reach US$5.7 billion at the end of Q1-2025. Net loans and advances closed Q1-2025 at US$27.8 billion, down from the FY2024 closing position reflecting early repayments from certain customers on account of improved foreign currency balances position of some sovereign borrowers. Importantly, the Loan Asset Quality remained strong, with the Non-Performing Loans (NPL) ratio at 2.44%, a modest increase from 2.33% at FY’2024 – well below the Bank’s strategic NPL ceiling of 4%. Driven by inflationary pressures and growing personnel costs, operating expenses rose by 23% to reach US$75.4 million by 31 March 2025. Despite this, Afreximbank Group maintained a healthy Cost-to-Income Ratio of 16%, below its strategic range of 17-30%. Afreximbank’s liquidity profile strengthened considerably, with liquid assets now comprising 20% of total assets, up from 13% at the close of FY’2024. This higher liquidity position was as a result of successful fund-raising, coupled with loan repayments received during the quarter. Shareholders’ funds increased by 3.4%, reaching US$7.5 billion, driven by strong internally generated capital of US$215.4 million in addition to new equity investments under the second General Capital Increase (GCI II) programme. Operating Highlights In line with the Afreximbank strategic objective of driving Industrialisation and export development, the Bank and the Government of Kenya ratified a number of initiatives designed to support the development Industrial Parks (IPs) and Special Economic Zones (SEZs) in Kenya under the US$3 billion Kenya country programme. These projects which include Dongo Kundu Industrial Park in Mombasa and Naivasha SEZ II in Mai Mahiu, are key components of Kenya’s Vision 2030 plan to boost export manufacturing and industrialisation. Afreximbank’s support for these initiatives will specifically enhance infrastructure development, attract investment, and strategically position Kenya as a key hub for African and global commerce. The rollout of the Pan-African Payments and Settlement System (PAPSS) continues to gain momentum with KCB Group in Kenya and Bank of Kigali in Rwanda launching the platform, becoming the first banks in their respective countries to offer seamless, instant, and affordable cross-border payments in local currencies across Africa. Aligned with its mandate to promote Global Africa following the recognition of the African Diaspora as the 6th region of Africa, the Bank further cemented its expansion and presence in the Caribbean with the historic groundbreaking ceremony to kick off the construction of the first ever Afreximbank African Trade Centre (AATC) outside of Africa in Bridgetown, Barbados. AATC Barbados will also host its regional office. The Barbados AATC is an authentic icon of trade embodying the ambition, resilience, and influence of leading commercial cities in Africa and the Caribbean that serve as dynamic focal points for commerce, fostering regional and global trade connections, and is expected to enhance intra-and extra-African trade, with a focus on countries of the Global South. Mr. Denys Denya, Afreximbank’s Senior Executive Vice President, commented: “Our QI 2025 results, which were in line with expectations, reflected a strong and resilient financial performance, notwithstanding continued macroeconomic challenges. With solid profitability growth, a strengthened liquidity position, and a well-capitalised balance sheet, the Group is firmly positioned to continue playing a pivotal role in advancing the aspirations of Africa and the Caribbean for economic transformation and sustainable development.” Highlights of the results for the Group are shown below:

    Income statement Financial Metrics

    Q1-2025

    Q1-2024

    Gross Income (US$ million)

    784.9

    753.8

    Operating Income (US$ million)

    474.2

    423.5

    Net Income (US$ million)

    215.4

    178.7

    Return on average assets (ROAA)

                2.38%

    2.19%

    Return on average equity (ROAE)

    12%

    12%

    Cost-to-income ratio

    16%

    15%

    Balance sheet financial metrics

    Q1-2025

    FY-2024

    Total Assets (US$ billion)

    37.0

    35.3

    Total Liabilities (US$ billion)

    29.5

    28.1

    Shareholders’ Funds (US$ billion)

    7.5

    7.2

    Net asset value per share (US$)

    71,671

    69,695

    Non-performing loans ratio (NPL)

    2.44%

    2.33%

    Cash/Total assets

    20%

    13%

    Capital Adequacy ratio (Basel II)

    26%

    24%

    Distributed by APO Group on behalf of Afreximbank. Media Contact: Vincent Musumba Communications and Events Manager (Media Relations) Email: press@afreximbank.com Follow us on: X: https://apo-opa.co/43pfUK5  Facebook: https://apo-opa.co/43uKQbW  LinkedIn: https://apo-opa.co/4jhrbSL  Instagram: https://apo-opa.co/43DKyk2 About Afreximbank: African Export-Import Bank (Afreximbank) is a Pan-African multilateral financial institution mandated to finance and promote intra- and extra-African trade. For over 30 years, the Bank has been deploying innovative structures to deliver financing solutions that support the transformation of the structure of Africa’s trade, accelerating industrialisation and intra-regional trade, thereby boosting economic expansion in Africa. A stalwart supporter of the African Continental Free Trade Agreement (AfCFTA), Afreximbank has launched a Pan-African Payment and Settlement System (PAPSS) that was adopted by the African Union (AU) as the payment and settlement platform to underpin the implementation of the AfCFTA. Working with the AfCFTA Secretariat and the AU, the Bank has set up a US$10 billion Adjustment Fund to support countries effectively participating in the AfCFTA. At the end of December 2024, Afreximbank’s total assets and contingencies stood at over US$40.1 billion, and its shareholder funds amounted to US$7.2 billion. Afreximbank has investment grade ratings assigned by GCR (international scale) (A), Moody’s (Baa1), China Chengxin International Credit Rating Co., Ltd (CCXI) (AAA), Japan Credit Rating Agency (JCR) (A-) and Fitch (BBB). Afreximbank has evolved into a group entity comprising the Bank, its equity impact fund subsidiary called the Fund for Export Development Africa (FEDA), and its insurance management subsidiary, AfrexInsure (together, “the Group”). The Bank is headquartered in Cairo, Egypt. For more information, visit: www.Afreximbank.com Forward-Looking Statements: The Bank makes written and/or oral forward-looking statements, as shown in this presentation and in other communications, from time to time. Likewise, officers of the Bank may make forward-looking statements either in writing or during verbal conversations with investors, analysts, the media, and other key members of the investment community. Statements regarding the Bank’s strategies, objectives, priorities, and anticipated financial performance for the year, constitute forward-looking statements. They are often described with words like “should”, “would”, “may”, “could”, “expect”, “anticipate”, “estimate”, “project”, “intend”, and “believe”. By their very nature, these statements require the Bank to make assumptions that are subject to risks and uncertainties, especially uncertainties related to the financial, economic, regulatory, and social environment within which the Bank operates. Some of these risks are beyond the control of the Bank and may make actual results that are obtained to vary materially from the expectations inferred from the forward-looking statements. Risk factors that could cause such differences include regulatory pronouncements, credit, market (including equity, commodity, foreign exchange, and interest rate), liquidity, operational, reputational, insurance, strategic, legal, environmental, and other known and unknown risks. As a result, when making decisions with respect to the Bank, we recommend that readers apply further assessment and should not unduly rely on the Bank’s forward-looking statements. Any forward-looking statement contained in this presentation represents the views of management only as of the date hereof and they are presented for the purpose of assisting the Bank’s investors and analysts to understand the Bank’s financial position, strategies, objectives, priorities, anticipated financial performance in relation to the current period, and, as such, may not be appropriate for other purposes. The Bank does not undertake to update any forward-looking statement, whether written or verbal, that may be made from time to time, by it or on its behalf, except as required under applicable relevant regulatory provisions or requirements.

    Text copied to clipboard.

    MIL OSI Africa –

    May 22, 2025
  • MIL-OSI Security: Silver Spring Man Pleads Guilty to “Sextortion” of More Than 100 Minors Located Throughout the United States and Abroad

    Source: Office of United States Attorneys

    Greenbelt, Maryland – Chase William Mulligan, 28, of Silver Spring, Maryland, pled guilty to two counts of producing child sexual abuse material in federal court. The charges are in connection with a scheme in which he met young girls through social media and internet chat rooms and eventually “sextorted” them.

    Specifically, through the scheme, Mulligan coerced at least 108 girls — ranging from ages 5-17 — to send him sexually explicit photographs and videos of themselves. When the girls told him they no longer wanted to send him sexually graphic images, Mulligan threatened to post the images online or come to their house.

    Kelly O. Hayes, U.S. Attorney for the District of Maryland, announced the guilty plea with Special Agent in Charge William J. DelBagno of the Federal Bureau of Investigation (FBI) – Baltimore Field Office.

    “Mulligan used manipulation, fear, and intimidation to exploit over 100 young victims. Now we must ensure that we send a clear message to Mulligan, and others, that those who abuse the most vulnerable members of our communities will pay a steep price,” Hayes said. “We’re committed to working with our law-enforcement partners to relentlessly pursue, prosecute, and bring to justice those who engage in these deplorable acts.”

    “Chase Mulligan is a depraved and dangerous predator. He used social media to target, viciously threaten, and horribly abuse more than 100 minor victims – one as young as five years old,” DelBagno said. “His abhorrent behavior is not diminished by the fact he was thousands of miles away and never met his victims, rather, it’s the opposite. Despite his distance, he presents a serious threat to any child he can access through the internet. The FBI works diligently every day to find and arrest predators like Mulligan so they can no longer prey on innocent children.”

    As detailed in the plea agreement, between at least 2019 and December 2023, Mulligan used numerous Snapchat, Discord, Roblox, Skype, Omegle, and Instagram accounts to target young girls. He convinced minors living in the United States, Canada, Denmark, Spain, Philippines, Australia, and United Kingdom to produce and send him sexually explicit images.

    Mulligan also directed minors to expose their genital areas and engage in sexual conduct. Additionally, Mulligan coerced multiple girls to urinate on camera, insert objects into their genitalia, and participate in sexual acts with dogs.

    After some victims informed Mulligan that they no longer wished to send him sexually explicit images, he threatened to publicly post the images or come to their homes. Mulligan wanted the victims to send more images depicting increasingly graphic sexual conduct.

    As part of his plea agreement, Mulligan must register as a sex offender in places where he resides, is an employee, and is a student, under the Sex Offender Registration and Notification Act.

    Mulligan is facing a mandatory minimum of 15 years and a statutory maximum of 60 years in federal prison.  U.S. District Judge Theodore C. Chuang scheduled sentencing for Wednesday, August 27, at 2:30 p.m.

    This case was brought as part of Project Safe Childhood, a nationwide initiative launched in May 2006 by the Department of Justice to combat the growing epidemic of child sexual exploitation and abuse.  Led by the United States Attorney’s Offices and the Criminal Division’s Child Exploitation and Obscenity Section, Project Safe Childhood marshals federal, state, and local resources to locate, apprehend, and prosecute individuals who sexually exploit children, and to identify and rescue victims.  For more information about Project Safe Childhood, visit www.justice.gov/psc. Click the “Resources” tab on the left side of the page to learn about Internet safety education.

    U.S. Attorney Hayes commended the FBI for its work in the investigation. Ms. Hayes also thanked Assistant U.S. Attorneys Megan S. McKoy and Elizabeth Wright who are prosecuting the case.

    For more information about the Maryland U.S. Attorney’s Office, its priorities, and resources available to help the community, please visit www.justice.gov/usao-md and https://www.justice.gov/usao-md/community-outreach.

    # # #

    MIL Security OSI –

    May 22, 2025
  • MIL-OSI Russia: HSE students win gold medals at international mathematical Olympiad in Ashgabat

    Translation. Region: Russian Federal

    Source: State University Higher School of Economics – State University Higher School of Economics –

    In Ashgabat (Turkmenistan) was held V Open Mathematical Olympiad for Students OMOUS-2025 (Open Mathematical Olympiad for University Students), which brought together teams from Turkmenistan, Uzbekistan, Indonesia, Iran, Romania, Poland, the United Arab Emirates, Russia and India. In total, about 500 students joined the event.

    Four undergraduate students from HSE took part in the competition.Applied Mathematics and Computer Science” Faculty of Computer Science (FKN) Vasily Silvestrov, Bogdan Butyrin, Daniil Soulnov and Anastasia Salimova, as well as the team coach, expert Center for Student Olympiads Igor Vorontsov.

    The Olympiad consisted of two rounds: individual and team. The individual round lasted four hours, the participants were asked to solve six problems. In this competition, the students of the Faculty of Computer Science showed excellent results, winning gold medals.

    The team round of the Olympiad took place the next day and lasted two hours, during which ten problems had to be solved. Here, the FKN team took second place, scoring 69 points out of 100.

    Vasily Silvestrov

    — Preparing for the problems of previous years, we understood that the Olympiad is not easy, but we have a good chance of winning gold medals. For me, this was the first international Olympiad, which added reasons to be nervous. We got a lot of points on the appeal. We prepared for it for two nights: we wrote alternative solutions and prepared criteria for them. Overall, it was an unforgettable experience: interesting culture, a beautiful city, delicious food. I would like to thank the organizers of the Olympiad for choosing and preparing the problems. We hope that next year, our university teams will also achieve excellent results.

    Text: Maria Vorontsova

    Please note: This information is raw content directly from the source of the information. It is exactly what the source states and does not reflect the position of MIL-OSI or its clients.

    MIL OSI Russia News –

    May 22, 2025
  • MIL-OSI USA: LEADER JEFFRIES STATEMENT ON THE PASSING OF REP. GERRY CONNOLLY

    Source: United States House of Representatives – Congressman Hakeem Jeffries (8th District of New York)

    Today, Democratic Leader Hakeem Jeffries released the following statement:

    The Democratic Caucus, the Commonwealth of Virginia and the country have lost a hardworking, humble and honorable public servant with the passing of Congressman Gerry Connolly. 

    For more than three decades, Gerry relentlessly defended our democracy on the Oversight Committee, where he became a Subcommittee Chair and then the Ranking Member. As the co-author of the Issa-Connolly Federal Information Technology Acquisition Reform Act (FITARA), he was instrumental in overhauling our federal IT laws and ensuring our government institutions remain strong and secure. He used his foreign policy expertise as both a Senate staffer and a Member of the People’s House to bolster our transatlantic alliance, serving twice as the President of the NATO Parliamentary Assembly. Even as he battled a difficult cancer diagnosis, Ranking Member Connolly continued to push back against the unprecedented attacks on the federal workers in his district and across the country.

    In addition to his legislative wisdom, Gerry always brought his signature mirth and wit to the House, making even something like proxy voting a point of levity during an otherwise challenging time in our nation. My prayers, and those of the entire House Democratic Caucus, are with Congressman Connolly’s loved ones and the devoted staff who he considered to be his family. 

    ###

    MIL OSI USA News –

    May 22, 2025
  • MIL-OSI: $255 Payday Loans: Direct lender, Same Day, No Credit Check – Payday Loans Online Near Me – Wizzay

    Source: GlobeNewswire (MIL-OSI)

    New York City, NY, May 21, 2025 (GLOBE NEWSWIRE) —

    With the world becoming increasingly fast-paced, unexpected bills can crop up at anytime, leaving people in urgent need of cash. For people with impending cash emergencies, $255 payday loans online same day provide a hassle-free and quick solution. The loans are meant to bring immediate financial reprieve, particularly for those with poor credit or those without access to other avenues of conventional credit.

    This detailed guide delves into the intricacies of $255 payday loans, such as the benefits of dealing with direct lenders like Wizzay, having in mind the requirements to be eligible, and options for those with varying credit scores.

    Wizzay: Best Platform to Get $255 Payday Loans Online with Same Day Approval from Direct Lenders | Instant Approval

    Wizzay is a top platform that connects borrowers with direct lenders offering $255 online payday loans with same-day approval. With a simple-to-use interface and an established network of good lenders, Wizzay makes borrowing easier, money available instantly without the red tape involved with normal credit checks.

    Wizzay makes it easy for lenders to complete a simple online application, receive the approval decision within seconds, and deposit funds into their bank account, typically on the same business day. Quickness is an ideal feature for those who require fast money.

     <<>>

    $255 Payday Loans Online Same Day California

    When faced with urgent bills like medical or auto emergencies, waiting days for approval of a conventional loan isn’t possible. Same-day approved online $255 payday loans provide the quick cash relief many Americans need.

    California residents have their own state regulations on payday loans. The typical maximum cash amount borrowed in California is $255 (after fees), so this is a typical loan amount all over the state. Wizzay connects California borrowers with licensed lenders who work within the state framework.

    The main advantages for California residents are:

    • Compliance with state laws
    • Borrower maximum fee caps
    • Simple disclosure requirements
    • Licensed lender connections

    What Are Payday Loans?

    Payday loans are temporary lending options that bring prompt fiscal relief until your next paycheck. Payday loans generally:

    • Range from $100 to $1,000 (with $255 being a typical sum, particularly in California)
    • Have 2-4 week repayment terms (due on your subsequent payday)
    • Come with higher interest rates than regular loans because they’re short-term
    • Are low-documentation compared to regular bank loans
    • Disburse quickly, often the same day that they approve you

    Unlike conventional loans that can take weeks to finalize, payday loans provide succor in times of financial crisis when time is crucial.

     <<>>

    Why You Should Go For Payday Loans Online?

    The advent of the Internet age has revolutionized the payday lending business. Online lenders such as Wizzay have made it easier than ever before by providing:

    • 24/7 application access
    • Paperless paperwork
    • Data encryption security
    • Instant approval messages
    • Direct fund deposit

    Applying for online payday loans avoids going to brick-and-mortar stores, filling out paper forms, or standing in line. The whole process, from funding application, can be done from your couch using any internet-enabled device.

    Most Trusted $255 Payday Loan Option Online With No Credit Check – Wizzay

    Wizzay has become the most reliable site for $255 online payday loans, especially for credit check worrisome borrowers. Although no genuine lender can provide strictly “no credit check” loans, Wizzay is a partner to direct lenders who:

    • Pay more attention to your present income and repayment capability
    • Look beyond regular credit ratings
    • Make soft credit checks that don’t affect your credit rating
    • Approve loans to borrowers from all sections of the credit spectrum

    This second option for creditworthiness makes Wizzay a great choice for less-than-stellar credit customers who require money in a hurry.

     <<>>

    Common Uses for Same Day Payday Loans With Wizzay

    Same-day payday loans through Wizzay act as an emergency financial safety net for numerous surprise expenses, like:

    • Out-of-pocket medical or dental costs that insurance doesn’t cover
    • Emergency car repairs when your vehicle is required for work
    • Overdue bills for power to avoid disconnection
    • Unforeseen home repairs such as faulty water heaters or AC systems
    • Covering small gaps between paychecks when bills are payable
    • Preventing costly overdraft or late payment charges

    These short-term loans bring peace of mind when working with time-critical financial expenses that cannot wait until your upcoming paycheck.

    Advantages of Choosing Wizzay for $255 Payday Loans from Direct Lender California

    Selecting Wizzay for your California $255 payday loan requirements has several benefits:

    • Easy Application Process: Fill up within minutes from your device
    • Large Network of Trustworthy Direct Lenders: Experience several lending opportunities on one platform
    • Easy-to-Understand Terms and Conditions: Complete transparency of all charges and repayment information
    • Fast Decision: Usually within a few minutes of application submission
    • Same-Day Funds: Funds credited to your bank account on the same business day
    • Secure Data Protection: Top-level encryption and privacy safeguards
    • 24/7 Online Convenience: Use anytime, day or night, weekends included
    • No Surcharge Fees: All fees disclosed before you sign up

    These advantages make Wizzay the Californians’ first choice for speedy financial solutions without messy processes.

    $255 Payday Loans Online Same Day With Wizzay

    Wizzay’s site is all about getting $255 online payday loans with same-day processing. This loan amount is especially favored in California, given the state’s regulations.

    The process is as follows:

    • Fill out the easy online application form with your information
    • Get instant pre-qualification feedback
    • Compare loan offers from direct lenders
    • Choose the best offer with the best terms
    • Finish any other verification steps with the lender
    • Get money into your bank account, usually on the same business day

    The whole procedure is made for ultimate efficiency, so you can tackle your financial crisis without any delay.

     <<>>

    Who Should Consider a $255 Payday Loan Online?

    Payday loans can be a help, but they’re not for everyone. You may want to use a $255 payday loan via Wizzay if you:

    • Are in a sudden, short-term financial situation
    • Have depleted other lower-cost borrowing sources
    • Have a regular income source with future paychecks
    • Require money today, and can’t wait for conventional loans
    • Can pay back the entire amount on your upcoming payday
    • Understand the greater cost of short-term borrowing

    Payday loans operate best as a short-term bridge in true financial emergencies, but not as a long-term financial option.

    Wizzay Offers No Denial Payday Loans Direct Lenders Only

    No lender can possibly approve everybody, but direct tribal loan lenders collaborating with Wizzay approve more people than big financial institutions. “No denial” is used to describe lenders who:

    • Approve applications from bad credit borrowers
    • Pay less attention to credit history than to income now
    • Have numerous loan products to suit various needs
    • Give definite reasons if the application cannot be approved
    • Dealing with direct lenders bypasses middlemen and results in:
    • Quicker processing times
    • Lower total costs
    • More customized service
    • Direct access to the funding source

    Wizzay’s $255 Payday Loans Eligibility Criteria: What do You Need to Qualify?

    To be eligible for a $255 payday loan with Wizzay’s group of direct lenders, you would usually have to satisfy these minimum requirements:

    • Be at least 18 years old
    • Be a US citizen or resident alien
    • Have a valid government-issued identification
    • Have an open checking account in your name
    • Provide evidence of steady income (employment, benefits, etc.)
    • Give a current email address and telephone number
    • Have a minimum monthly income (usually $1,000+)

    Unlike bank loans, payday lenders with no credit check usually do not require ideal credit histories or large amounts of financial records, so the application procedure is more convenient.

     <<< Bad Credit? No Problem – Wizzay Offers $255 Loans with No Credit Check>>>

    How Do Payday Loans Online Work?

    Payday loans via online websites like Wizzay function differently from bank loans:

    • Application: Fill out your information using an encrypted online application
    • Verification: Lenders check your identity and income information
    • Approval: Get loan offer with conditions and terms
    • Acceptance: Sign loan agreement electronically
    • Funding: Funds are credited directly to your bank account
    • Repayment: Amount of loan and fees are deducted automatically from your account on the scheduled date

    The whole process is fast and easy, doing away with paperwork and physical visits to obtain traditional lending.

    What Are 1 Hour Payday Loans Online?

    When minutes are of the essence, 1-hour payday loans from Wizzay’s network can bring ultra-rapid relief. While not all applications can be reviewed this rapidly, numerous lenders attempt to:

    • Review applications in minutes
    • Make instant approval determinations
    • Process funding requests instantly
    • Deposit funds as soon as possible technically

    1 Hour Payday Loans Online from Direct Lenders – Fast Approval Process

    Wizzay’s direct lender network is all about quick loan processing, which usually issues approval responses within 1 hour of application. This speedy time frame involves:

    • Initial Application: 5-10 minutes to fill out online
    • Automated Verification: Seconds to minutes
    • Lender Review: 15-60 minutes within business hours
    • Final Approval: Often within 1 hour of completing all necessary information
    • Fund Transfer: Fund transfer initiated immediately upon approval

    Most borrowers get the funds the same business day, especially when approved in the morning.

    <<>>

    $255 Payday Loans Direct Lender California

    California has unique rules covering payday lending, which makes the $255 loan figure popular in the state. When applying for a $255 payday loan in California via Wizzay, you’ll enjoy:

    • State-regulated maximum fees and interest rates
    • Authorized direct lenders that work within legal parameters
    • Transparent disclosure of all loan terms mandated by state law
    • Shield from predatory lending
    • Uncomplicated repayment terms 
    • No hidden penalties

    Wizzay ensures that all participating lenders are within California’s lending laws, giving borrowers an extra layer of protection and clarity.

    How To Get $255 Payday Loans Online Same Day In California?

    Getting a $255 payday loan in California via Wizzay is easy:

    • Visit Wizzay’s Website: Go to their secure online website
    • Start Your Application: Click on the application for loan button
    • Enter Personal Information: Enter your basic info and contact info
    • Submit Income Details: Enter work details and income proof
    • Provide Banking Information: Include your checking account information for transferring funds
    • Review and Submit: Make sure all details are correct before submitting
    • Receive Approval: Wait for lender approval notice
    • Accept Loan Terms: Review and agree to the provided loan agreement
    • Get Funds: Look for the deposit in your bank account, usually the same day

    Loans for Bad Credit: Why Payday Loans Still Work

    Conventional lending companies tend to deny borrowers with bad credit scores, making many lenders have fewer choices when money emergencies arise. Payday loans are still viable options for these people because:

    • Credit decisioning based on approval is more driven by current earnings than by credit record
    • Loan sizes are fairly low, minimizing lender exposure
    • Short-term repayment involves less long-term risk consideration
    • Direct deposit confirmation gives lenders payment security
    • The emergency nature of these loans makes higher interest charges understandable

    Using Wizzay, bad credit borrowers may still have access to emergency cash when conventional doors are shut.

      <<>>

    Benefits of Payday Loans for Bad Credit Borrowers

    For those who have low credit scores, payday loans provide several unique benefits:

    • Accessibility: Greater approval rates than conventional loans
    • No Credit-Building Requirements: No requirement for existing credit history
    • Fast Funding: Instant availability of money with no long approval processes
    • Minimal Documentation: Fewer papers needed than traditional loans
    • Fixed Fees: Absolute knowledge of total amount to be repaid upfront
    • No Collateral Required: No requirement for putting valuable possessions at risk
    • Credit Score Protection: Some lenders never report to major credit bureaus

    These advantages render payday loans from Wizzay an efficient option for subprime borrowers with timely financial requirements.

    Online Application Process for Instant Approval Explained

    The application process from Wizzay is optimized for efficiency:

    • Enter minimal personal data (address, name, etc.)
    • Supply job information and income verification
    • Supply banking details for deposit and repayment
    • Be given instant initial approval
    • Make final checks on terms from participating lenders
    • Accept and collect the funds

    The majority of applications only take less than 5 minutes to fill out.

    Payday Loans Online Without Traditional Credit Checks – Are They Safe?

    Lenders in Wizzay’s network of lenders usually conduct alternative verification instead of standard credit checks, such as:

    • Employment verification
    • Income verification
    • Bank account stability checks
    • Identity verification

    Such lenders have stringent security measures, such as:

    • Data encryption
    • Secure application websites
    • Privacy protection
    • Regulatory compliance

      <<>>

    Risks and Downsides of $255 Payday Loans

    Payday loans can offer vital emergency funds, but there are possible disadvantages, such as:

    • Higher charges than standard loans
    • Short payoff timeframes
    • Potential for renewal cycles if not paid on time
    • Not ideal for long-term money problems

    Responsible borrowers should have a solid repayment plan before taking any loan.

    What Does a Direct Lender Do That Other Lenders Don’t?

    When you utilize Wizzay, you are matched with direct lenders instead of brokers. This difference provides several benefits:

    • No Intermediary Fees: No extra broker fees
    • Faster Processing: Direct contact with the true funding source
    • More Transparent Terms: Deal directly with the entity setting loan conditions
    • Simplified Communication: Single point of contact throughout the loan process
    • Greater Security: Less sharing of personal information between multiple parties
    • Direct Accountability: The lender is fully responsible for all aspects of your loan

    These benefits make direct lenders through Wizzay’s platform preferable to working with loan brokers or matching services that may add costs and complexity.

    Comparing the Best Payday Loans and Direct Lenders Online

    Wizzay differentiates itself from others by providing:

    • Larger lender network for more loan choices
    • Higher approval rates for approved applicants
    • More fair fee structures
    • Improved customer service ratings
    • Faster average funding times

    <<>>

    $255 Payday Loan Direct Lender vs. Broker: Which is Better?

    You’ll find both direct lenders and brokers when you’re looking for a $255 payday loan. Knowing the difference makes the right choice:

    Direct Lenders (available on Wizzay):

    • Advise and finance loans directly from their own funds
    • Establish their own terms and interest rates
    • Take applications and make approvals
    • Service all parts of the loan
    • Have direct contact with borrowers

    Brokers:

    • Match borrowers with several prospective lenders
    • Charge fees for matching services
    • Disclose your details to many lenders
    • May lack insight into final loan terms
    • Create an additional step in the communication process

    For the majority of borrowers looking for speed and simplicity, direct lenders via Wizzay’s marketplace generally provide an improved experience with less hassle and intermediary fees.

      <<< Bad Credit? No Problem – Wizzay Offers $255 Loans with No Credit Check>>>

    Alternatives to $255 Payday Loans for Bad Credit Borrowers

    Instead of getting a payday loan, try these options:

    • Installment loans: Extended repayment schedules with lower payments
    • Credit unions or community lenders: Usually provide cheaper emergency loans
    • Borrowing from friends/family: Usually interest-free, but can put a strain on relationships
    • Payday advance apps: More recent services offering advances on earned wages

    What to Know Regarding Payday Loan Direct Lenders

    When using direct lenders in collaboration with Wizzay’s platform, note the following guidelines:

    • Check if the lender is licensed in your state
    • Check your state’s payday loan rate and fee caps
    • Check if loan rollovers are permitted in your area
    • Get a sense of how a lender handles late or skipped payments
    • See how your financial and personal data will be handled
    • Compare customer feedback with specific lenders
    • Assess responsiveness and quality

    Wizzay screens its lending partners, but it’s even better to do your own research.

    Tips to Get Same Day Approval and Funding

    To get the best opportunity for same-day funding:

    • Use early in the morning (before 10 am local time)
    • Have all documentation prepared before applying
    • Verify all application details for accuracy
    • Answer quickly to any verification requests
    • Read and accept the terms speedily when approved

       <<>>

    Payday Loan Same Day Near Me: Where to Find Same Day Payday Loans No Credit Check?

    Rather than going to traditional retail stores, Wizzay allows you to access same-day payday loans anywhere in California. Just apply online, get instant matching, and pick up your cash quickly — all from the comfort of your own home.

    Final Thoughts – Should You Apply for a $255 Payday Loan Online Today?

    $255 direct lender payday loans with Wizzay can be a source of crucial money in times of urgency if used sensibly. These loans are best suited when:

    • You are confronting a serious financial crisis
    • You have already tried cheaper alternatives
    • You have a definite strategy to pay on your subsequent payday
    • The effect of not having money immediately would be more expensive

    If your case fits the above-mentioned, Wizzay provides a safe, convenient platform through which you can get in touch with reliable direct lenders who can advance the emergency funds you require with same-day approval and disbursement.

    Frequently Asked Questions

    How can I get $1000 today?

    You may take out a $1000 payday loan using online marketplaces such as Wizzay, where you are connected with direct lenders that grant same-day financing upon approval.

    Can I borrow money online instantly?

    Yes, you can borrow money online with practically instantaneous approval using payday loan sites, although delivery of funds is subject to your bank’s processing period.

    Are payday loans legal in California?

    Yes, payday loans are legal in California under certain rules capping them at $300 maximum loan value (including fees) and a 15% maximum fee of the face value of the check.

    How to get a loan when no one will approve you?

    Look to payday lenders that place less emphasis on credit scores than income verification, look into secured loan alternatives, attempt credit unions with less stringent requirements, or look into payday alternative loans.

    Where is the easiest place to get a payday loan with bad credit?

    Online lending websites such as Wizzay that are designed to match borrowers with direct lenders who care less about credit history and more about income stability are usually the simplest places to obtain payday loans with bad credit.

    How to borrow $500 quickly?

    To take out a $500 loan fast, request an online payday loan via websites such as Wizzay, opt for cash advance apps, take out pawn loans, or ask for a small personal loan from credit unions with same-day approval.

    Do payday loans get denied?

    Yes, payday loans can be denied if you fail the fundamental requirements, such as minimum income levels, do not have proper identification, have existing payday loans, or give conflicting information on your form.

    Media Details:

    https://www.wizzay.com

    support@Wizzay.com

    Customer Acquisition LLC, Springates Building, Lower Government Road, Charlestown,

    Attachment

    The MIL Network –

    May 22, 2025
  • MIL-OSI: No Credit Check Loans: Small Payday & Emergency Loans from Direct Lenders for Bad Credit – ( Guaranteed Approval Loans ) – HonestLoans

    Source: GlobeNewswire (MIL-OSI)

    New York City, NY, May 21, 2025 (GLOBE NEWSWIRE) —

    Are you in search of funds but concerned about your credit history? No credit check loans may be just the thing for you. No credit check loans are specially crafted for those who have bad credit history or do not wish to have their credit score impacted by hard inquiries. In this detailed guide, we will cover all you want to know about no credit check loans and why HonestLoans is the finest option in this field.

    Why HonestLoans Is The Best Option For No Credit Check Loans

    In the case of no credit check loans, Honest Loans beats other options for several reasons. With a huge network of reliable direct lenders, Honest Loans makes sure that borrowers find themselves connected with lenders who have expertise in offering loans without conventional credit checks.

    Honest Loans provides:

    • Easy and quick application process
    • High approval rates for all credit histories
    • Transparent fee structure with no hidden fees
    • Rapid funding, usually within 24 hours or shorter
    • Multiple loan options to cater to different financial situations

    Unlike most other loan-matching services, HonestLoans values customer satisfaction and financial health, earning them the top preference for acquiring a loan with no credit check from a direct lender.

     <<< Get Your Emergency Loan Today – No Credit Check, Guaranteed Approval with HonestLoans>>>

    Understand No Credit Check Loans | Loans Without Credit Checks, Guaranteed Approval From Direct Lender

    What Is A No Credit Check Loan?

    A no credit check loan is a product where the lender will not do a standard “hard pull” of your credit history at the time of application. Rather than considering your credit score, lenders consider other items like:

    • Current income level
    • Job stability
    • Bank account status and activity
    • Debt-to-income ratio
    • Alternative data points

    These loans are tailored for borrowers with bad credit records, thin credit histories, or who do not wish to incur further hard inquiries on their credit reports.

    What Kind Of Loans Don’t Need A Credit Check?

    A number of loan types usually don’t need traditional credit checks:

    • Payday Loans: Short-term, high-interest loans based on your pay
    • Title Loans: Secured loans using your car as collateral
    • Pawn Shop Loans: Secured loans tied to the value of things you lend temporarily
    • Some Installment Loans: More long-term loans with fixed installments that emphasize income verification
    • Cash Advances: Short-term loans against future income or available credit card limits
    • Some Personal Loans: Some alternative lenders provide personal loans without credit checks

    Each of these types of loans has its own merits, needs, and cost factors. HonestLoans allows the borrower to know which type is the best for their own particular financial circumstances.

     <<>>

    How Do Loans With No Credit Check Work?

    No credit check loans are different from bank loans:

    • Application: Fill out simple personal and financial details on the internet via sites such as HonestLoans
    • Verification: Your identity, income, and banking details are confirmed by lenders
    • Alternative Assessment: Rather than credit checks, lenders consider such things as income stability and banking history
    • Approval Decision: Be given a lending decision, often in minutes
    • Loan Agreement: Sign off and agree to the loan terms and conditions
    • Funding: Get paid through direct deposit, often within one business day or sooner

    The whole process is intended to be fast and accessible, particularly for people who could be denied such traditional banking services as a result of credit history problems.

    1 Hour Payday Loans Online No Credit Check Instant Approval From HonestLoans

    For emergency financial needs, 1 hour payday loans provide a savior. HonestLoans puts you in touch with lenders that offer instant approval—at times in under an hour.

    Main features of HonestLoans

    HonestLoans is unique in the no credit check loans market with a number of key features:

    • Friendly Platform
    • 256-bit Encryption
    • Free Service
    • Extensive Lender Network
    • Clear Process
    • Educational Content
    • Good Customer Support
    • Fast Results
    • 24/7 application availability
    • Real-time matching with direct lenders
    • Funds paid through ACH or prepaid card
    • No paperwork or faxing
    • Minimal documentation – ID and proof of income

    These elements work together to provide a hassle-free borrowing process that ranks your financial security and needs first.

     <<< Need Fast Cash for an Emergency? Get a No Credit Check Loan Today from HonestLoans>>>

    How HonestLoans’ Direct Lender Network Ensures No Denial Loans without credit checks

    In contrast to conventional financial institutions, HonestLoans utilizes a direct lender network that focuses on bad credit and no credit profiles. This decreases the possibility of rejection by matching you with a lender who can accommodate your individual financial profile.

    Why Honestloans Provides Guaranteed Approval Payday Loans Without Credit Check For Bad Credit?

    Although no loan is technically “guaranteed,” HonestLoans increases your chances of approval by:

    • Soliciting non-hard credit checks
    • Sourcing alternative income verification
    • Skipping conventional underwriting models
    • Offering alternatives for self-employed and part-time employees

    Advantages Of Using HonestLoans for Emergency Loans For Bad Credit

    In the event of a financial emergency with poor credit, Honest Loans provides several benefits:

    • Easy application process
    • Good approval rating for bad credit customers
    • Rapid funding, in some cases within 1 hour
    • No collateral needed
    • Clear loan terms

    These advantages make Honest Loans an ideal option for anyone in need of emergency funding irrespective of credit issues.

     <<>>

    HonestLoans’ Application and Funding Process – 1 Hour Payday Loans Online No Credit Check Instant Approval

    HonestLoans simplifies the loan process to obtain funds in the shortest time possible:

    • Go to the Honest Loans website
    • Complete the application form (around 3 minutes)
    • Compare lender deals
    • Digitally agree to terms
    • Fund received in as fast as 60 minutes

    This streamlined process allows borrowers in emergency situations to obtain funds when they are most in need, without delay or burdensome paperwork.

    Various Alternatives Provided for for Small Payday Loans Online With No Credit Check By HonestLoans

    HonestLoans provides borrowers with a range of small loan alternatives, including:

    • Traditional Payday Loans
    • Installment Payday Loans
    • Tribal Loans
    • Flex Loans
    • Cash Advances
    • Bad Credit Personal Loans
    • Paycheck Advances
    • $100 – $500 loans
    • Weekly or biweekly payment plans
    • Optional rollover or extended terms

    This diversity of loan offerings allows borrowers to locate the particular loan product which most closely matches their individual financial profile and repayment capabilities.

     <<< HonestLoans Has You Covered – Get Direct Lender Emergency Loans with No Credit Checks>>>

    Honest Loans’s No Credit Check Options vs. Traditional Loans

    HonestLoans offers a faster, easier option to banks, especially if you have bad credit.

    Let’s compare the important aspects:

    • Credit: Banks always pull credit. HonestLoans does not, so it’s easier to qualify.
    • Speed: Bank loans take days to receive. HonestLoans approves and deposits your loan within the hour.
    • Eligibility: Banks require good credit and a steady job. HonestLoans considers your income, number of active bank accounts, and not credit history.
    • Loan Amounts: Bank loans are large loans with long repayment terms. HonestLoans offers $100-$1000 short-term loans (today).
    • Application: Bank loan applications take forever. HonestLoans is online and takes minutes to complete.

    HonestLoans is the more convenient option if you want quick, easy financing when traditional financing is not available.

    Features And Benefits Of No Credit Check Loans With Guaranteed Approval From Direct Lender

    No credit check guaranteed approval loans provided by direct lenders possess various important features and advantages that benefit many borrowers:

    Important Features:

    • Direct funding source with no intermediaries
    • Streamlined application process
    • Income-focused instead of credit-based
    • Transparency in fee structure
    • Fast funding term
    • Simple repayment terms

    These features and advantages come together to produce a financial product that benefits those who are usually skipped by conventional banking organizations.

     <<< Bad Credit? No Problem – Get Quick, Hassle-Free Loans from HonestLoans Today>>>

    Eligibility Criteria for Loans Without Credit Check For Borrowers With Poor Credit History

    Although no credit check loans are easier to obtain than regular loans, borrowers must still satisfy basic criteria:

    • Regular Income: Regular source of income (job, benefits, etc.)
    • Active Bank Account: Active check account in good standing for receiving loan funds
    • Age Requirement: At least 18 years old (19 in certain states)
    • Identification: Valid government-issued photo ID
    • Contact Information: Current phone number and email address
    • Residency: U.S. citizenship or permanent residency
    • No Outstanding Payday Loans: Previous payday loans need to be paid in full

    Satisfying these conditions also greatly enhances your chances of loan approval even with bad credit history. HonestLoans cooperates with lenders who are more interested in these factors than with conventional credit scores.

    Various Types of Emergency Loans | Instant Payday Loans For Bad Credit No Credit Check

    Personal Loans

    Bad credit personal loans are unsecured loans with the following characteristics:

    • Amounts ranging from $500 to $5,000
    • Payback periods ranging from months to years
    • Fixed rates and consistent payments
    • Funds used for any expense
    • Possible reporting to credit bureaus to establish or rebuild credit

    Credit Card Cash Advances

    Cash advances permit borrowing against available credit card lines:

    • Instant access via ATMs or banks
    • No separate application process
    • Available up to your cash advance limit
    • Higher interest rates than standard purchases
    • Additional cash advance fees typically apply

      <<< Get Your Emergency Loan Today – No Credit Check, Guaranteed Approval with HonestLoans>>>

    Payday Loans

    Payday loans are short-term loans due on your next payday:

    • Typically $100 to $1,000
    • Very short terms (2-4 weeks)
    • Higher interest rates
    • Simple qualification requirements
    • Fast funding (same-day or next-day)
    • Based primarily on income verification

    Title Loans

    Title loans use your vehicle as collateral:

    • Loan amount based on vehicle value (25-50%)
    • Must own vehicle outright
    • Continue driving while repaying
    • Higher loan amounts than unsecured options
    • Longer repayment terms possible
    • Risk of vehicle repossession if unable to repay

    Paycheck Advances

    Paycheck advances offer early access to wages earned:

    • Access portion of wages prior to payday
    • Lower fees than regular payday loan
    • Often through employer program or app
    • Repayment automatically taken from paycheck
    • No credit check needed
    • Limited to amount already earned

      <<>>

    Urgent Loans For Bad Credit: How Long Does It Take to Get Approved?

    With bad credit, timing is everything when dealing with a financial emergency. Here’s what the approval timeframe looks like:

    • Application: 5-10 minutes to finish
    • Initial Decision: Typically instant to 15 minutes
    • Documentation Verification: 1-24 hours
    • Final Approval: As fast as 1 hour, usually within 24 hours
    • Funding: Some lenders provide 1-hour funding, others 24 hours

    HonestLoans partners with lenders who value speed, with most providing same-day approval and financing for approved borrowers.

    Payday Loans Online No Credit Check Instant Approval

    No credit check payday loans online with instant approval have transformed emergency lending by not only making the process quicker and more convenient than ever but also allowing us to disburse funds faster.

    Schedule for Quick Loans No Credit Check Disbursement

    Standard fund disbursement schedule:

    • Same Business Day: Applications received prior to 10:30 AM
    • Next Business Day: Applications received after cut-offs
    • Weekend Requests: Typically processed Monday (weekend funding provided by some lenders)
    • Bank Processing: Depends on the bank

    1 Hour Payday Loans Online No Credit Check Instant Approval

    For the quickest funding, the process is as follows:

    • Fill out HonestLoans’ quick application
    • Get instant pre-qualification
    • Send verification documents online
    • Get final approval, usually in minutes
    • Get funds via expedited bank deposit

      <<< Need Fast Cash for an Emergency? Get a No Credit Check Loan Today from HonestLoans>>>

    $255 Payday Loans Online Same Day

    These typical small loans provide:

    • Protection for small emergency costs
    • Simpler qualification terms
    • Faster approval process
    • Same-day funding when applied early
    • Less intimidating repayment amounts

    Pros and Cons of No Credit Check Loans

    As with any financial product, no credit check loans have benefits and drawbacks that are worth considering by the borrower.

    Pros:

    • Available to bad credit holders
    • Rapid application and funding
    • Low documentation needed
    • No hard credit checks
    • For use in multiple kinds of emergencies
    • Can prevent late charges or disconnection of services

    Cons:

    • Increased interest and fees
    • Repayment periods are shorter
    • Risk of debt cycle trap
    • May not establish credit if not reported
    • Smaller loan amounts than traditional ones
    • Predatory lenders exist in the industry

    Some predatory lenders target susceptible borrowers (that is why operations like HonestLoans are worth it)

    No Credit Check Loan Scenario in the USA

    The business landscape consists of:

    • Around 12 million Americans utilize payday loans every year
    • More than 23,000 payday lenders have business in the country
    • State laws differ significantly
    • Online lending opened up access beyond locations
    • Average payday loan amount is roughly $375

    HonestLoans operates within this environment by matching borrowers with solid lenders that work within regulations while ensuring fair terms.

      <<>>

    Alternatives to Small Payday Loans Online No Credit Check and Urgent Loans No Credit Check

    Alternatives to mainstream small payday loans:

    • Installment Microloans: Smaller loans with several payments
    • Cash Advance Apps: Mobile apps for wage advances
    • Credit Union Payday Alternative Loans: Less expensive alternatives
    • Small Personal Loans: Mainstream lenders with less restrictive requirements
    • Family and Friend Loans: Private loan sources

    $500 Cash Advance No Credit Check Loans

    The $500 cash advance is in demand because it:

    • Pays for most typical emergencies
    • Provides affordable payment sizes
    • Is easily accessible from many lenders
    • Typically offers same-day loans
    • Usually asks for $1,000-$1,500 monthly income

    Emergency Loans No Credit Check

    Emergency no credit check loans assist when:

    • Medical conditions need to be paid immediately
    • Car repairs are necessary for work commute
    • Repairs for the home are needed for safety
    • Critical utilities threaten disconnection
    • Other immediate needs loom in the financial future

    Some Risk-Free Alternatives to No Credit Check Loans

    Although no credit check loans have a valuable function, customers should think about these likely lower-cost options:

    Secured Loans

    Secured loans employ collateral to limit lender risk:

    • Less than unsecured rates
    • More available amount of money
    • Longer time to repay
    • Access through traditional credit unions and banks
    • Possibility of losing collateral if cannot repay

      <<< Need Fast Cash for an Emergency? Get a No Credit Check Loan Today from HonestLoans>>>

    Credit Unions

    Credit unions tend to be more flexible in lending:

    • Member-oriented approach
    • Payday Alternative Loans with caps on lower rates
    • More individualized assessment
    • Financial literacy tools
    • Opportunity to develop positive relationships
    • Demand membership (typically with small fees)

    Peer-to-Peer Lending

    P2P websites bring borrowers together with individual investors:

    • Consider non-credit score factors
    • Competitive rates for most borrowers
    • Flexible qualification
    • Transparent fee practices
    • Diverse loan amounts and durations
    • Easier application process

      <<< HonestLoans Has You Covered – Get Direct Lender Emergency Loans with No Credit Checks>>>

    What Are the Risks of No Credit Check Loans?

    No credit check borrowers must be aware of some possible dangers:

    • Exorbitant prices (interest rates and fees)
    • Short payment periods putting pressure
    • Possible cycles of debt
    • Predatory lenders preying on vulnerable borrowers
    • Differing state laws and consumer protections
    • Limited opportunity to build credit
    • Access to bank account for automatic debit

    Engaging in reputable services such as HonestLoans reduces these risks by linking borrowers with responsible lenders.

    How to Apply for No Denial Payday Loans Direct Lenders Only With No Credit Check?

    The process of application for no denial payday loans by direct lenders is simple:

    1. Gather Required Information:

    • Government ID
    • Proof of income
    • Active checking account info
    • Social Security Number
    • Contact details

    2. Select a Reputable Platform:

    • HonestLoans matches you with reliable direct lenders
    • Free service with no obligation
    • Personal info is secure using encryption

    3. Complete Application:

    • Enter personal and financial information
    • Enter amount of loan desired
    • Enter employment details
    • Enter banking information for funds transfer

    4. Review Offers:

    • Compare offers from various lenders
    • Watch for APR, fees, and terms of repayment
    • Look for hidden fees

    5. Accept Loan Terms:

    • Read the whole loan contract
    • Have questions answered about anything that is unclear
    • E-sign the contract

    6. Receive Funds:

    • Direct deposit into your bank account
    • Funding times from 1 hour to 1 business day

    Why Go For No Credit Check Loans?

    These loans serve important purposes:

    • Perfect for those with damaged credit histories
    • Faster than traditional loans during emergencies
    • Simple online application available 24/7
    • Accessible to those excluded from traditional banking
    • Private way to handle financial challenges
    • Avoid hard inquiries that damage credit scores
    • Bridge financial gaps between paychecks
    • Address urgent situations without delay

    How to Find a Reputable No Credit Check Loan Direct Lender?

    Search for lenders with:

    • Transparent fee terms and clear charges
    • Regulatory compliance
    • Good customer feedback
    • Secure sites (https)
    • Solid history
    • Membership in industry associations
    • Educational materials
    • No charges upfront

    Steer clear of lenders displaying:

    • Guaranteed approval with no conditions
    • High-pressure tactics
    • Sneaky charges or ambiguous charges
    • No address or contact information
    • Requests for unconventional payment options
    • Very high interest charges

    HonestLoans pre-screens their network of direct lenders to guarantee they are held to high standards for good lending practices.

    Where to Find The Best No Denial Payday Loans From Direct Lenders Only With No Credit Check?

    When looking for no denial payday loans from direct lenders with no credit checks, HonestLoans is the best choice for a variety of reasons:

    • Large lender pool boosting chances of approval
    • Vigorous lender screening guaranteeing ethical practices
    • No-charge service with no platform fee
    • Bank-level protection safeguarding your data
    • Easy application process
    • Educational materials to make informed decisions
    • Friendly customer support
    • Clear terms prior to commitment

      <<< Need Fast Cash for an Emergency? Get a No Credit Check Loan Today from HonestLoans>>>

    Final Words

    No credit check loans offer useful money solutions to persons with credit issues or crises that have to be addressed immediately. Although loans do generally incur more expense compared to conventional lending, they play a necessary role in the financial system by making available funds to persons who would otherwise have no alternative.

    For individuals requiring rapid access to funds without the usual credit checks, HonestLoans provides a trusted, secure portal linking borrowers directly with established direct lenders. Transparency, security, and customer education are their top priorities, and for this reason, they are the best in the no credit check loan market.

    Frequently Asked Questions

    Can I borrow money without a credit check?

    Yes, many online lenders such as HonestLoans offer loans based on your income rather than your credit score.

    Which loan does not require a credit check?

    Payday loans, cash advances, and certain personal installment loans typically don’t involve a credit check.

    How to get instant loan 50000 with low CIBIL score?

    Try to apply with lenders who consider income over credit history or opt for secured loans like HonestLoans.

    What is the easiest loan to get with no credit?

    Cash loans or payday loans are typically the quickest if you have no credit history.

    How can I get a loan in 1 hour?

    Search for lenders online such as HonestLoans that provide fast approvals and can make transfers in an hour.

    Can I get a loan with a 450 credit score in USA?

    Yes, your best option would be no credit check lenders or those who take other factors into consideration such as your income.

    Media Details:

    www.honestloans.net

    • Company: Honest Loans
    • Phone: 888-718-9134
    • Email: support@onlineloannetwork.com

    Attachment

    • HonestLoans

    The MIL Network –

    May 22, 2025
  • MIL-OSI: Best Payday Loans (Same Day) with No Credit Check and Same Day Approval 2025 – Fast Cash Online Instant Payday Loans for Quick Funding – Viva PayDay Loans

    Source: GlobeNewswire (MIL-OSI)

    New York City, NY, May 21, 2025 (GLOBE NEWSWIRE) —

    When life throws you a curveball—like an unexpected car repair, a last-minute medical bill, or an urgent home expense—waiting for your next paycheck isn’t always an option.

    That’s where payday loans step in, offering a lifeline for people who need fast cash. 

    These short-term loans are designed to help you cover emergency expenses quickly, so you can get back on your feet without the stress of financial uncertainty.

    Get an answer in 2 minutes!

    < CLICK for Same Day Loans Online No Credit Check Instant & Guaranteed Approval >

    Viva Payday Loans Review 2025: The Easiest Way to Fast Cash Online

    Life can throw you financial curveballs when you least expect it—an unexpected medical bill, a last-minute car repair, or just that awkward moment when payday is still days away but your wallet is already empty. 

    In these moments, you need a solution that’s fast, reliable, and doesn’t make you jump through endless hoops. 

    That’s where Viva Payday Loans shines as the best payday loan platform in 2025.

    < CLICK to apply for same day loan same day approval now >

    Why Choose Viva Payday Loans?

    Viva Payday Loans has redefined what it means to get a quick cash loan in the USA. Forget about stressful bank visits, mountains of paperwork, and worrying about your credit score. Viva Payday Loans makes the entire process simple, transparent, and tailored to real people—no matter your situation.

    With Viva Payday Loans, you can borrow anywhere from $100 up to $5,000, and choose a repayment term from just 2 months up to 24 months. 

    Whether you’re looking for a small bridge to your next paycheck or a larger amount for a big expense, the flexibility here is unmatched.

    Lightning-Fast Application & Approval

    Time is money, especially in a financial emergency. With Viva Payday Loans, you won’t be left waiting and wondering. 

    The online application is refreshingly fast—just a couple of minutes to fill in your details, choose your loan amount and term, and submit. 

    The decision? You’ll have your answer in about 2 minutes. No more anxious waiting—if approved, you can expect funds direct to your checking account, often as soon as the same day or by the next business day.

    < CLICK for No Credit Check Payday Loan – Instant & Guaranteed Approval >

    All Credit Scores Welcome

    If you’ve ever been turned down by traditional lenders because of past financial mistakes, Viva Payday Loans is a breath of fresh air. 

    This platform welcomes all FICO scores, including those with bad credit or limited credit history. Many payday lender partners in their network focus more on your current affordability than your credit past, so a rough patch years ago won’t keep you from getting the help you need today.

    No Credit Check? No Problem.

    Worried about a credit check? Viva Payday Loans offers options for no credit check payday loans. 

    If you need fast cash loans and want to avoid the hassle or anxiety of a traditional credit inquiry, you can still qualify as long as you meet the basic eligibility: be over 18, have a regular monthly income of at least $1,000, a permanent address, and an active checking or savings account with direct deposit.

    For Every Situation

    What truly sets Viva Payday Loans apart is the wide range of loan types available. Whether you’re unemployed but have alternative income, on benefits, or even need a specific amount like a $255 or $500 loan, Viva Payday Loans has solutions. 

    There are options for people with non-traditional income, people on SSI, and even those who prefer to use debit or prepaid cards instead of a standard bank account.

    Transparent, Trusted, and User-Focused

    Transparency is key at Viva Payday Loans. Interest rates are clearly stated (ranging from 5.99% to 35.99% APR), there are no upfront fees, and you always see the full repayment schedule before you commit. 

    The platform only works with reputable, reliable lenders, making it easy to avoid scams and hidden fees.

    Simple Steps, Real Results

    1. Choose your amount and term.
    2. Complete the simple online form.
    3. Get a decision in minutes and, if approved, receive your cash fast.

    It’s genuinely that easy. Plus, Viva Payday Loans’ support team is available throughout the week to answer any questions or help you through the process.

    Viva Payday Loans Is Your Go-To in 2025

    < CLICK for No Credit Check Payday Loan – Instant & Guaranteed Approval >

    In a world where financial emergencies can happen to anyone, Viva Payday Loans is the safety net that’s fast, friendly, and truly accessible. 

    With flexible loan options, instant online decisions, and no judgment for past credit issues, it’s simply the smartest way to get back on your feet. If you’re looking for the best payday loan lender in 2025, look no further—Viva Payday Loans delivers exactly what you need, right when you need it.

    Ready to experience the difference? Apply today and see how easy getting a payday loan can really be.

    Why Payday Loans?

    What makes payday loans especially attractive is their speed and accessibility. Thanks to the rise of online payday lenders, you can now apply for a loan from the comfort of your own home at any time of day. The application process is straightforward and typically takes just a few minutes to complete. Most online payday lenders offer instant approval—meaning you’ll know within moments whether you qualify—and many can deposit funds into your bank account the very same day.

    Unlike traditional loans that rely heavily on your credit score, payday lenders often skip the detailed credit check or use alternative methods for approval. This means even if you have a less-than-perfect credit history, you still have a strong chance of getting approved. For many borrowers who’ve been denied elsewhere, this opens the door to much-needed funds.

    Loan amounts usually range from $100 up to $1,000, depending on the lender and your individual circumstances. This flexibility allows you to borrow just what you need, without overextending yourself. With fast cash payday loans, you get a practical solution for those moments when time and money are both in short supply.

    < CLICK for No Credit Check Payday Loan – Instant & Guaranteed Approval >

    Understanding Payday Lenders

    Now that you know how payday loans can help in a pinch, let’s take a closer look at the lenders behind them and what you should expect when applying.

    How Payday Lenders Work

    Payday lenders are there for those moments when you need money fast and can’t wait until your next paycheck. They offer short-term loans—usually from $100 to $1,000—with the idea that you’ll pay the money back, plus interest, as soon as you get paid again. Because these loans are so quick and easy to get, the interest rates are typically much higher than what you’d find with a traditional bank loan. The convenience comes at a cost, but for many, it’s worth it when there’s an urgent need.

    What Makes a Lender Trustworthy?

    Not all payday lenders are the same. The best ones—like those you’ll find through reputable online loan platforms—are upfront about their fees, interest rates, and repayment terms. They won’t try to sneak in hidden costs or confusing fine print. A good lender spells everything out in simple language, so you know exactly what you’re signing up for from the start.

    What You’ll Need to Apply

    Applying for a payday loan is surprisingly simple. Most lenders just ask for a few basics: a bank account to deposit your funds, proof that you have a steady income, and a valid ID. These requirements help make the process quick and safe for everyone.

    About “Guaranteed Approval” Loans

    You might see some payday lenders advertise “guaranteed approval,” especially if you have bad credit. While this sounds great, it’s important to be careful—these loans often come with even steeper interest rates and extra fees. Always read the terms and borrow only what you can comfortably repay.

    Exploring Cash Advance Options

    What Is a Cash Advance?

    A cash advance is another fast and flexible way to handle surprise expenses, such as urgent car repairs or medical bills. Like payday loans, cash advances are short-term loans designed to tide you over until your next paycheck. They typically don’t require extensive paperwork, and many lenders now offer online cash advances that make the process even more convenient. With just a few clicks, you can request funds and have money deposited directly into your bank account—sometimes within hours.

    How Cash Advances Can Help

    For those facing a financial crunch, cash advances can be a practical solution to avoid missed payments, overdraft fees, or late charges on important bills. Many payday loan borrowers turn to cash advances when they need to bridge the gap between paychecks, especially when timing is tight.

    Personal Loan Alternatives: A Smarter Way to Borrow

    Why Consider a Personal Loan?

    If you have time to shop around and want to save money on interest, personal loans can be a much more budget-friendly alternative to payday loans or cash advances. Personal loans typically come with lower interest rates, longer repayment periods, and larger borrowing limits. This makes them a solid choice for bigger expenses or for consolidating high-interest debts.

    Where to Find Personal Loans

    You can apply for personal loans through a variety of sources. Online lending platforms connect you with multiple lenders at once, allowing you to compare rates, terms, and offers in minutes. Many traditional banks and credit unions also offer personal loans with even more favorable terms, especially if you have an established relationship or good credit history.

    What to Expect in the Application Process

    Unlike payday loans, personal loans require a bit more information. You’ll need to submit a formal application, undergo a credit check, and often provide details about your income and employment. While this process can take a little longer, the reward is usually a lower rate and a more manageable payment plan. For many borrowers, the extra effort is well worth it for the long-term savings and financial peace of mind.

    The Convenience of Online Loan Applications

    Applying for Loans Has Never Been Easier

    The digital age has completely transformed the way people borrow money. Today, nearly every reputable lender offers an online application process for payday loans, personal loans, and cash advances. Gone are the days of driving across town to fill out paperwork in person. Now, you can apply from your phone or computer, any time of day or night.

    Fast Approvals and Same-Day Funding

    Most online loan applications are designed for speed and simplicity. You’ll typically need to provide basic information—such as a valid ID, proof of income, and your bank account details. Thanks to automated approval systems, many lenders can review your application and provide an instant decision. If you’re approved, funds are often transferred the same day, putting money in your pocket when you need it most.

    Comparing Your Options

    Online loan platforms also make it easier than ever to shop around. You can compare multiple offers side by side, review interest rates and repayment terms, and choose the loan that best fits your needs and budget. This transparency empowers you to make smarter financial choices and avoid getting locked into a loan that doesn’t work for you.

    Loan Options and Terms

    When urgent financial needs arise, understanding your loan options and terms is crucial before choosing a payday lending provider.

    Online payday loans are popular for their speed, but most come with very short repayment periods—often just two to four weeks—meant to be paid back by your next payday. While this quick turnaround can be helpful, the interest rates and fees for these loans are typically much higher than what you’d see with a personal loan from a bank or credit union.

    Some payday loan lenders may offer slightly better terms for returning customers or those with a steady income, but these loans generally remain one of the more expensive ways to borrow.

    On the other hand, personal loans usually feature longer repayment periods—sometimes stretching over several months or even years—and offer lower interest rates. Your eligibility, the loan amounts you’re offered, and even your chances of an approval will depend on factors like your credit score and history.

    The good news is that many payday loan providers and credit check loans now consider borrowers with bad credit, giving more people access to much-needed funds.

    Still, before signing a loan agreement, always review the fine print and compare loan amounts, fees, and repayment schedules.

    Most payday loan borrowers benefit from carefully matching their loan choice to their budget and timeline, which can help prevent surprise costs or falling into a debt cycle. Taking the time to understand your options ensures you make the best decision for your financial situation.

    Cash Advance App Benefits

    In recent years, cash advance apps have become a popular alternative for folks who need quick cash but want to avoid the pitfalls of traditional payday loans.

    These apps are designed for convenience—they usually just need you to have a bank account and a steady paycheck, and most won’t even check your credit score.

    For many payday loan borrowers, this makes cash advance apps much more approachable, especially if your credit isn’t perfect. 

    The fees tend to be lower, and you can get money in your account fast, making them a great option for covering small, sudden expenses. 

    By using these apps, you can manage your finances more smoothly, avoid late fees, and steer clear of the high costs that come with payday loan lenders. They’re a solid choice if you need a little help between paychecks without taking on a lot of debt.

    Credit Union Loans

    If you’re looking for a more affordable way to borrow, it’s worth checking out what your local credit union has to offer.

    Credit unions are known for providing personal loans with much lower interest rates and fees than most payday loan providers.

    While you’ll usually need to become a member and go through a credit check, the process is often straightforward, and the terms are much more borrower-friendly.

    Many payday loan borrowers find that credit union loans are perfect for things like consolidating debt, paying for a big repair, or handling unexpected bills. Plus, credit unions often go the extra mile by offering financial counseling and guidance, helping you build better money habits for the future.

    If you’re tired of the high costs associated with payday loan lenders, a credit union could be a great long-term solution.

    Payday Loan Regulations

    Payday loan regulations can make a big difference in how safe and fair the borrowing process is for consumers.

    Depending on where you live, your state might put strict limits on how much payday loan lenders can charge in interest and fees—or it might have banned payday loans altogether.

    Reputable payday loan providers are required to follow both state and federal rules, such as the Truth in Lending Act, which makes sure you get all the facts about your loan upfront.

    For most payday loan borrowers, it’s really important to know your rights and understand the laws in your state before signing anything.

    These regulations are designed to protect you from unfair practices and help prevent debt from spiraling out of control. Always look for payday loan lenders who are transparent about their terms and who operate within the law, so you can borrow with greater confidence and peace of mind.

    Managing Debt

    Getting a handle on your debt is one of the smartest moves you can make, especially if you’ve relied on fast cash loans or loans online to cover emergencies like medical expenses.

    Many payday lender options may seem convenient at the moment, but without a plan, it’s easy to get stuck in a cycle of borrowing.

    If you’ve made past financial mistakes, you’re not alone—what matters most is taking steps to move forward. One way to get back on track is by looking into debt consolidation loans, which can bundle your balances into one payment with a structured repayment schedule.

    Setting a realistic budget and tracking every dollar that goes in and out of your checking account can help you avoid overspending. If you’re unsure where to start, talking to a financial advisor or credit counselor can help you map out a plan that fits your minimum monthly income and long-term goals.

    Avoiding Scams

    When you’re searching for loans online, it’s so important to stay alert for scams—especially since fast cash loans often attract shady operators.

    Many payday lender websites promise easy money, but always take time to research any lender before sharing your personal or checking account information.

    Read reviews, look for clear loan terms, and steer clear of lenders that offer “guaranteed approval” or ask for upfront fees. Traditional lenders and reputable online providers will always be upfront about costs and won’t hide details in the fine print.

    Remember, if something feels off or too good to be true, it probably is. Safeguarding your information and only working with trusted lenders helps you avoid headaches and keeps your financial journey moving in the right direction.

    Applying for a Loan

    Once you’ve found a lender you trust—whether it’s a traditional lender or a reputable online option—applying for loans online is usually quick and straightforward.

    Most fast cash loans or payday loans will ask for basic details like your checking account, proof of minimum monthly income, and a valid ID.

    Many payday lender websites offer speedy applications and even same-day funding, making it easier to handle sudden expenses like medical bills.

    But before you hit “accept,” make sure you understand the full repayment schedule, interest rates, and any extra fees. Taking a few minutes to read the terms can save you from surprises later and help you make choices that support your financial health, no matter what past financial mistakes you’ve made.

    Best Same Day Loans Online Summary

    Viva Payday Loans stands out as the top payday loan company in 2025 for anyone seeking fast, convenient, and reliable financial help.

    Their user-friendly online platform, wide range of loan options, and flexible terms make borrowing simple and stress-free, even for those with less-than-perfect credit.

    With transparent rates, no hidden fees, and instant decisions, Viva Payday Loans puts your needs first—providing peace of mind when you need it most.

    Whether you’re dealing with an emergency or just need a little extra cash to bridge the gap, Viva Payday Loans is truly the best choice for quick and secure payday loans in the USA. Apply today and experience financial support done right.

    Legal Disclaimer & Affiliate Disclosure

    The content provided in this article is for informational and educational purposes only and should not be considered financial, legal, or professional advice. While we make every effort to present accurate and up-to-date information sourced from reputable public and third-party resources, we cannot guarantee the completeness, reliability, or timeliness of the details included.

    Details regarding loan amounts, interest rates, and product availability are determined by third-party lenders and may be updated or changed at any time without notice. We strongly encourage readers to conduct their own research and consult with a qualified financial advisor or legal professional before making any financial decisions.

    The service discussed here—Viva Payday Loans—functions as a loan marketplace, not a direct lender. Viva Payday Loans does not issue loans or make credit decisions. Instead, the platform connects borrowers with independent lending partners, and all loan agreements, conditions, and terms are strictly between you and the selected lender.

    Please note that some links or references in this article are affiliate links. If you click a link and proceed—such as by submitting a loan request or accepting an offer—we may earn a commission, at no extra cost to you. This potential compensation does not influence our editorial content or the recommendations we provide.

    By using and relying on this article, you acknowledge and agree that:

    • You are responsible for independently verifying lender information and loan offers.
    • The content does not constitute individualized financial advice.
    • The publisher and contributors are not liable for any actions or outcomes resulting from the information provided.
    • All trademarks and brand names belong to their respective owners; mention of third-party services does not imply endorsement.
    • For the most accurate and current loan terms, eligibility requirements, and product details, always refer to the official website of the lender.

    Media Contact: Tony Stevens
    Website: Vivapaydayloans.com
    Email: support@vivapaydayloans.com
    102 W Service Rd, Apt: 820, Champlain, NY 12919

    Attachment

    • Viva Payday Loans

    The MIL Network –

    May 22, 2025
  • MIL-OSI Security: Missouri Registered Sex Offender Charged with Distributing and Receiving Child Pornography

    Source: Federal Bureau of Investigation FBI Crime News (b)

    KANSAS CITY, Mo. – A Kansas City, Mo., man was indicted by a federal grand jury on charges related to child pornography.

    According to an indictment returned this week, Jeffrey Lynn Petrie, 40, of Kansas City, Mo., was charged with one count of distributing child pornography over the internet in May 2024, and one count of receiving child pornography from Dec. 9, 2024, to Dec. 10, 2024.

    The indictment replaces a complaint originally filed on Friday, April 25, 2025. According to an affidavit filed in support of the criminal complaint, law enforcement officers received a Cybertip reporting that a user, “kinkypopper69,” was uploading video files depicting child sexual abuse materials. Petrie was later identified as the user “kinkypopper69.”

    On April 24, 2025, the FBI conducted a search at Petrie’s residence and seized a cell phone and other electronic devices.

    Petrie is a registered sex offender in Missouri based on prior convictions for child molestation in the 2nd degree.

    The charges contained in this indictment are simply accusations, and not evidence of guilt. Evidence supporting the charges must be presented to a federal trial jury, whose duty is to determine guilt or innocence.

    Under federal statutes, if convicted of distribution and receipt of child pornography, a prison sentence of not less than 15 years and not more than 40 years and a fine of up to $250,000 is authorized on each count. The maximum statutory sentence is prescribed by Congress and is provided here for informational purposes, as the sentencing of the defendant will be determined by the court based on the advisory sentencing guidelines and other statutory factors. A sentencing hearing will be scheduled after the completion of a presentence investigation by the United States Probation Office.

    This case is being prosecuted by Assistant U.S. Attorney Teresa A. Moore. This case was investigated by the Federal Bureau of Investigation, and the Franklin County, Missouri Sheriff’s Office.

    Project Safe Childhood

    This case was brought as part of Project Safe Childhood, a nationwide initiative launched in May 2006 by the Department of Justice to combat the growing epidemic of child sexual exploitation and abuse. Led by the United States Attorneys’ Offices and the Criminal Division’s Child Exploitation and Obscenity Section, Project Safe Childhood marshals federal, state, and local resources to locate, apprehend, and prosecute individuals who sexually exploit children, and to identify and rescue victims. For more information about Project Safe Childhood, please visit www.usdoj.gov/psc. For more information about Internet safety education, please visit www.usdoj.gov/psc and click on the tab “resources.”

    MIL Security OSI –

    May 22, 2025
  • MIL-OSI Security: Russian GRU Targeting Western Logistics Entities and Technology Companies

    Source: US Department of Homeland Security

    Executive Summary

    This joint cybersecurity advisory (CSA) highlights a Russian state-sponsored cyber campaign targeting Western logistics entities and technology companies. This includes those involved in the coordination, transport, and delivery of foreign assistance to Ukraine. Since 2022, Western logistics entities and IT companies have faced an elevated risk of targeting by the Russian General Staff Main Intelligence Directorate (GRU) 85th Main Special Service Center (85th GTsSS), military unit 26165—tracked in the cybersecurity community under several names (see “Cybersecurity Industry Tracking”). The actors’ cyber espionage-oriented campaign, targeting technology companies and logistics entities, uses a mix of previously disclosed tactics, techniques, and procedures (TTPs). The authoring agencies expect similar targeting and TTP use to continue.

    Executives and network defenders at logistics entities and technology companies should recognize the elevated threat of unit 26165 targeting, increase monitoring and threat hunting for known TTPs and indicators of compromise (IOCs), and posture network defenses with a presumption of targeting.

    This cyber espionage-oriented campaign targeting logistics entities and technology companies uses a mix of previously disclosed TTPs and is likely connected to these actors’ wide scale targeting of IP cameras in Ukraine and bordering NATO nations.

    The following authors and co-sealers are releasing this CSA:

    • United States National Security Agency (NSA)
    • United States Federal Bureau of Investigation (FBI)
    • United Kingdom National Cyber Security Centre (NCSC-UK)
    • Germany Federal Intelligence Service (BND) Bundesnachrichtendienst
    • Germany Federal Office for Information Security (BSI) Bundesamt für Sicherheit in der Informationstechnik
    • Germany Federal Office for the Protection of the Constitution (BfV) Bundesamt für Verfassungsschutz
    • Czech Republic Military Intelligence (VZ)  Vojenské zpravodajství
    • Czech Republic National Cyber and Information Security Agency (NÚKIB) Národní úřad pro kybernetickou a informační bezpečnost
    • Czech Republic Security Information Service (BIS) Bezpečnostní informační služba
    • Poland Internal Security Agency (ABW) Agencja Bezpieczeństwa Wewnętrznego
    • Poland Military Counterintelligence Service (SKW) Służba Kontrwywiadu Wojskowego
    • United States Cybersecurity and Infrastructure Security Agency (CISA)
    • United States Department of Defense Cyber Crime Center (DC3)
    • United States Cyber Command (USCYBERCOM)
    • Australian Signals Directorate’s Australian Cyber Security Centre (ASD’s ACSC)
    • Canadian Centre for Cyber Security (CCCS)
    • Danish Defence Intelligence Service (DDIS) Forsvarets Efterretningstjeneste
    • Estonian Foreign Intelligence Service (EFIS) Välisluureamet
    • Estonian National Cyber Security Centre (NCSC-EE) Küberturvalisuse keskus
    • French Cybersecurity Agency (ANSSI) Agence nationale de la sécurité des systèmes d’information
    • Netherlands Defence Intelligence and Security Service (MIVD) Militaire Inlichtingen- en Veiligheidsdienst
       

    Download the PDF version of this report:

    Russian GRU Targeting Western Logistics Entities and Technology Companies (PDF, 1,081KB)

    For a downloadable list of IOCs, visit:

    Introduction

    For over two years, the Russian GRU 85th GTsSS, military unit 26165—commonly known in the cybersecurity community as APT28, Fancy Bear, Forest Blizzard, BlueDelta, and a variety of other identifiers—has conducted this campaign using a mix of known tactics, techniques, and procedures (TTPs), including reconstituted password spraying capabilities, spearphishing, and modification of Microsoft Exchange mailbox permissions.
    In late February 2022, multiple Russian state-sponsored cyber actors increased the variety of cyber operations for purposes of espionage, destruction, and influence—with unit 26165 predominately involved in espionage. [1] As Russian military forces failed to meet their military objectives and Western countries provided aid to support Ukraine’s territorial defense, unit 26165 expanded its targeting of logistics entities and technology companies involved in the delivery of aid. These actors have also targeted Internet-connected cameras at Ukrainian border crossings to monitor and track aid shipments.
    Note: This advisory uses the MITRE ATT&CK® for Enterprise framework, version 17. See Appendix A: MITRE ATT&CK tactics and techniques for a table of the threat actors’ activity mapped to MITRE ATT&CK tactics and techniques. This advisory uses the MITRE D3FEND® framework, version 1.0.

    Description of Targets

    The GRU unit 26165 cyber campaign against Western logistics providers and technology companies has targeted dozens of entities, including government organizations and private/commercial entities across virtually all transportation modes: air, sea, and rail. These actors have targeted entities associated with the following verticals within NATO member states, Ukraine, and at international organizations: 

    •  Defense Industry
    • Transportation and Transportation Hubs (ports, airports, etc.)
    • Maritime
    • Air Traffic Management
    • IT Services

    In the course of the targeting lifecycle, unit 26165 actors identified and conducted follow-on targeting of additional entities in the transportation sector that had business ties to the primary target, exploiting trust relationships to attempt to gain additional access [T1199].

    The actors also conducted reconnaissance on at least one entity involved in the production of industrial control system (ICS) components for railway management, though a successful compromise was not confirmed [TA0043].

    The countries with targeted entities include the following, as illustrated in Figure 1:

    • Bulgaria
    • Czech Republic
    • France
    • Germany
    • Greece
    • Italy
    • Moldova
    • Netherlands
    • Poland
    • Romania
    • Slovakia
    • Ukraine
    • United States
       
    Figure 1: Countries with Targeted Entities

    Initial Access TTPs

    To gain initial access to targeted entities, unit 26165 actors used several techniques to gain initial access to targeted entities, including (but not limited to):

    The actors abused vulnerabilities associated with a range of brands and models of small office/home office (SOHO) devices to facilitate covert cyber operations, as well as proxy malicious activity via devices with geolocation in proximity to the target [T1665]. [2]

    Credential Guessing/Brute Force

    Unit 26165 actors’ credential guessing [T1110.001] operations in this campaign exhibit some similar characteristics to those disclosed in the previous CSA “Russian GRU Conducting Global Brute Force Campaign to Compromise Enterprise and Cloud Environments.” [3] Based on victim network investigations, the current iteration of this TTP employs a similar blend of anonymization infrastructure, including the use of Tor and commercial VPNs [T1090.003]. The actors frequently rotated the IP addresses used to further hamper detection. All observed connections were made via encrypted TLS [T1573]. 

    Spearphishing

    GRU unit 26165 actors’ spearphishing emails included links [T1566.002] leading to fake login pages impersonating a variety of government entities and Western cloud email providers’ webpages. These webpages were typically hosted on free third-party services or compromised SOHO devices and often used legitimate documents associated with thematically similar entities as lures. The subjects of spearphishing emails were diverse and ranged from professional topics to adult themes. Phishing emails were frequently sent via compromised accounts or free webmail accounts [T1586.002, T1586.003]. The emails were typically written in the target’s native language and sent to a single targeted recipient. 

    Some campaigns employed multi-stage redirectors [T1104] verifying IP-geolocation [T1627.001] and browser fingerprints [T1627] to protect credential harvesting infrastructure or provide multifactor authentication (MFA) [T1111] and CAPTCHA relaying capabilities [T1056]. Connecting endpoints failing the location checks were redirected to a benign URL [T1627], such as msn.com. Redirector services used include:

    • Webhook[.]site
    • FrgeIO
    • InfinityFree
    • Dynu
    • Mocky
    • Pipedream
    • Mockbin[.]org

    The actors also used spearphishing to deliver malware (including HEADLACE and MASEPIE) executables [T1204.002] delivered via third-party services and redirectors [T1566.002], scripts in a mix of languages [T1059] (including BAT [T1059.003] and VBScript [T1059.005]) and links to hosted shortcuts [T1204.001].

    CVE Usage

    Throughout this campaign, GRU unit 26165 weaponized an Outlook NTLM vulnerability (CVE-2023-23397) to collect NTLM hashes and credentials via specially crafted Outlook calendar appointment invitations [T1187]. [4],[5] These actors also used a series of Roundcube CVEs (CVE-2020-12641, CVE-2020-35730, and CVE-2021-44026) to execute arbitrary shell commands [T1059], gain access to victim email accounts, and retrieve sensitive data from email servers [T1114].

    Since at least fall 2023, the actors leveraged a WinRAR vulnerability (CVE-2023-38831) allowing for the execution of arbitrary code embedded in an archive as a means of initial access [T1659]. The actors sent emails with malicious attachments [T1566.001] or embedded hyperlinks [T1566.002] that downloaded a malicious archive prepared using this CVE. 

    Post-Compromise TTPs

    After an initial compromise using one of the above techniques, unit 26165 actors conducted contact information reconnaissance to identify additional targets in key positions [T1589.002]. The actors also conducted reconnaissance of the cybersecurity department [T1591], individuals responsible for coordinating transport [T1591.004], and other companies cooperating with the victim entity [T1591.002].

    The actors used native commands and open source tools, such as Impacket and PsExec, to move laterally within the environment [TA0008]. Multiple Impacket scripts were used as .exe files, in addition to the python versions, depending on the victim environment. The actors also moved laterally within the network using Remote Desktop Protocol (RDP) [T1021.001] to access additional hosts and attempt to dump Active Directory NTDS.dit domain databases [T1003.003] using native Active Directory Domain Services commands, such as in Figure 2: Example Active Directory Domain Services command:

    C:Windowssystem32ntdsutil.exe "activate instance ntds" ifm "create full C:temp[a-z]{3}" quit quit

    Figure 2: Example Active Directory Domain Services command

    Additionally, GRU unit 26165 actors used the tools Certipy and ADExplorer.exe to exfiltrate information from the Active Directory. The actors installed python [T1059.006] on infected machines to enable the execution of Certipy. Accessed files were archived in .zip files prior to exfiltration [T1560]. The actors attempted to exfiltrate archived data via a previously dropped OpenSSH binary [T1048].

    Incident response investigations revealed that the actors would take steps to locate and exfiltrate lists of Office 365 users and set up sustained email collection. The actors used manipulation of mailbox permissions [T1098.002] to establish sustained email collection at compromised logistics entities, as detailed in a Polish Cybercommand blog. [6]

    After initial authentication, unit 26165 actors would change accounts’ folder permissions and enroll compromised accounts in MFA mechanisms to increase the trust-level of compromised accounts and enable sustained access [T1556.006]. The actors leveraged python scripts to retrieve plaintext passwords via Group Policy Preferences [T1552.006] using Get-GPPPassword.py and a modified ldap-dump.py to enumerate the Windows environment [T1087.002] and conduct a brute force password spray [T1110.003] via Lightweight Directory Access Protocol (LDAP). The actors would additionally delete event logs through the wevtutil utility [T1070.001].

    After gaining initial access to the network, the actors pursued further access to accounts with access to sensitive information on shipments, such as train schedules and shipping manifests. These accounts contained information on aid shipments to Ukraine, including: 

    • sender,
    • recipient,
    • train/plane/ship numbers,
    • point of departure,
    • destination,
    • container registration numbers,
    • travel route, and
    • cargo contents. 

    In at least one instance, the actors attempted to use voice phishing [T1566.004] to gain access to privileged accounts by impersonating IT staff.

    Malware

    Unit 26165’s use of malware in this campaign ranged from gaining initial access to establishing persistence and exfiltrating data. In some cases, the attack chain resulted in multiple pieces of malware being deployed in succession. The actors used dynamic link library (DLL) search order hijacking [T1574.001] to facilitate malware execution. There were a number of known malware variants tied to this campaign against logistics sector victims, including:

    • HEADLACE [7]
    • MASEPIE [8]

    While other malware variants, such as OCEANMAP and STEELHOOK, [8] were not directly observed targeting logistics or IT entities, their deployment against victims in other sectors in Ukraine and other Western countries suggest that they could be deployed against logistics and IT entities should the need arise. 

    Persistence

    In addition to the abovementioned mailbox permissions abuse, unit 26165 actors also used scheduled tasks [T1053.005], run keys [T1547.001], and placed malicious shortcuts [T1547.009] in the startup folder to establish persistence. 

    Exfiltration

    GRU unit 26165 actors used a variety of methods for data exfiltration that varied based on the victim environment, including both malware and living off the land binaries. PowerShell commands [T1059.001] were often used to prepare data for exfiltration; for example, the actors prepared zip archives [T1560.001] for upload to their own infrastructure. 

    The actors also used server data exchange protocols and Application Programming Interfaces (APIs) such as Exchange Web Services (EWS) and Internet Message Access Protocol (IMAP) [T1114.002] to exfiltrate data from email servers. In multiple instances, the actors used periodic EWS queries [T1119] to collect new emails sent and received since the last data exfiltration [T1029]. The actors typically used infrastructure in close geographic proximity to the victim. Long gaps between exfiltration, the use of trusted and legitimate protocols, and the use of local infrastructure allowed for long-term collection of sensitive data to go undetected. 

    Connections to Targeting of IP Cameras

    In addition to targeting logistics entities, unit 26165 actors likely used access to private cameras at key locations, such as near border crossings, military installations, and rail stations, to track the movement of materials into Ukraine. The actors also used legitimate municipal services, such as traffic cams. 

    The actors targeted Real Time Streaming Protocol (RTSP) servers hosting IP cameras primarily located in Ukraine as early as March 2022 in a large-scale campaign, which included attempts to enumerate devices [T1592] and gain access to the cameras’ feeds [T1125]. Actor-controlled servers sent RTSP DESCRIBE requests destined for RTSP servers, primarily hosting IP cameras [T1090.002]. The DESCRIBE requests were crafted to obtain access to IP cameras located on logically distinct networks from that of the routers that received the request. The requests included Base64-encoded credentials for the RTSP server, which included publicly documented default credentials and likely generic attempts to brute force access to the devices [T1110]. An example of an RTSP request is shown in Figure 3.

    DESCRIBE rtsp://[IP ADDRESS] RTSP/1.0

    CSeq: 1

    Authorization: Basic

    User-Agent: WebClient

    Accept: application/sdp

    DESCRIBE rtsp://[IP ADDRESS] RTSP/1.0

    CSeq: 2

    Authorization: Digest username="admin", realm="[a-f0-9]{12}", algorithm="MD5", nonce="[a-f0-9]{32}", uri="", response="[a-f0-9]{32}"

    User-Agent: WebClient

    Accept: application/sdp

    Figure 3: Example RTSP request

    Successful RTSP 200 OK responses contained a snapshot of the IP camera’s image and IP camera metadata such as video codec, resolution, and other properties depending on the IP camera’s configuration. 

    From a sample available to the authoring agencies of over 10,000 cameras targeted via this effort, the geographic distribution of victims showed a strong focus on cameras in Ukraine and border countries, as shown in Table 1:

    Table 1: Geographic distribution of targeted IP cameras
    Country Percentage of Total Attempts
    Ukraine 81.0%
    Romania 9.9%
    Poland 4.0%
    Hungary 2.8%
    Slovakia 1.7%
    Others 0.6%

    Mitigation Actions

    General Security Mitigations

    Architecture and Configuration

    • Employ appropriate network segmentation [D3-NI] and restrictions to limit access and utilize additional attributes (such as device information, environment, and access path) when making access decisions [D3-AMED].
      • Consider Zero Trust principles when designing systems. Base product choices on how those products can solve specific risks identified as part of the end-to-end design. [9]
    • Ensure that host firewalls and network security appliances (e.g., firewalls) are configured to only allow legitimately needed data flows between devices and servers to prevent lateral movement [D3-ITF]. Alert on attempts to connect laterally between host devices or other unusual data flows.
    • Use automated tools to audit access logs for security concerns and identify anomalous access requests [D3-RAPA].
    • For organizations using on-premises authentication and email services, block and alert on NTLM/SMB requests to external infrastructure [D3-OTF].
    • Utilize endpoint, detection, and response (EDR) and other cybersecurity solutions on all systems, prioritizing high value systems with large amounts of sensitive data such as mail servers and domain controllers [D3-PM] first.
      • Perform threat and attack modeling to understand how sensitive systems may be compromised within an organization’s specific architecture and security controls. Use this to develop a monitoring strategy to detect compromise attempts and select appropriate products to enact this strategy.
    • Collect and monitor Windows logs for certain events, especially for events that indicate that a log was cleared unexpectedly [D3-SFA].
    • Enable optional security features in Windows to harden endpoints and mitigate initial access techniques [D3-AH]:
      • Enable attack surface reduction rules to prevent executable content from email [D3-ABPI].
      • Enable attack surface reduction rules to prevent execution of files from globally writeable directories, such as Downloads or %APPDATA% [D3-EAL].
      • Unless users are involved in the development of scripts, limit the local execution of scripts (such as batch scripts, VBScript, JScript/JavaScript, and PowerShell [10]) to known scripts [D3-EI], and audit execution attempts.
      • Disable Windows Host Scripting functionality and configure PowerShell to run in Constrained mode [D3-ACH].
    • Where feasible, implement allowlisting for applications and scripts to limit execution to only those needed for authorized activities, blocking all others by default [D3-EAL].
    • Consider using open source SIGMA rules as a baseline for detecting and alerting on suspicious file execution or command parameters [D3-PSA].
    • Use services that provide enhanced browsing services and safe link checking [D3-URA]. Significant reductions in successful spearphishing attempts were noted when email providers began offering link checking and automatic file detonation to block malicious content.
    • Where possible, block logins from public VPNs, including exit nodes in the same country as target systems, or, if they need to be allowed, alert on them for further investigation. Most organizations should not need to allow incoming traffic, especially logins to systems, from VPN services [D3-NAM].
    • Educate users to only use approved corporate systems for relevant government and military business and avoid the use of personal accounts on cloud email providers to conduct official business. Network administrators should also audit both email and web request logs to detect such activity.

    Many organizations may not need to allow outgoing traffic to hosting and API mocking services, which are frequently used by GRU unit 26165. Organizations should consider alerting on or blocking the following services, with exceptions allowlisted for legitimate activity [D3-DNSDL].

    • *.000[.]pe
    • *.1cooldns[.]com
    • *.42web[.]io
    • *.4cloud[.]click
    • *.accesscan[.]org
    • *.bumbleshrimp[.]com
    • *.camdvr[.]org
    • *.casacam[.]net
    • *.ddnsfree[.]com
    • *.ddnsgeek[.]com
    • *.ddnsguru[.]com
    • *.dynuddns[.]com
    • *.dynuddns[.]net
    • *.free[.]nf
    • *.freeddns[.]org
    • *.frge[.]io
    • *.glize[.]com
    • *.great-site[.]net
    • *.infinityfreeapp[.]com
    • *.kesug[.]com
    • *.loseyourip[.]com
    • *.lovestoblog[.]com
    • *.mockbin[.]io
    • *.mockbin[.]org
    • *.mocky[.]io
    • *.mybiolink[.]io
    • *.mysynology[.]net
    • *.mywire[.]org
    • *.ngrok[.]io
    • *.ooguy[.]com
    • *.pipedream[.]net
    • *.rf[.]gd
    • *.urlbae[.]com
    • *.webhook[.]site
    • *.webhookapp[.]com
    • *.webredirect[.]org
    • *.wuaze[.]com

    Heuristic detections for web requests to new subdomains, including of the above providers, may uncover malicious phishing activity [D3-DNRA]. Logging the requests for each sub-domain requested by users on a network, such as in DNS or firewall logs, may enable system administrators to identify new targeting and victims.

    Identity and Access Management

    Organizations should take measures to ensure strong access controls and mitigate against common credential theft techniques: 

    • Use MFA with strong factors, such as passkeys or PKI smartcards, and require regular re-authentication [D3-MFA]. [11], [12] Strong authentication factors are not guessable using dictionary techniques, so they resist brute force attempts.
    • Implement other mitigations for privileged accounts: including limiting the number of admin accounts, considering using hardware MFA tokens, and regularly reviewing all privileged user accounts [D3-JFAPA].
    • Separate privileged accounts by role and alert on misuse of privileged accounts [D3-UAP]. For example, email administrator accounts should be different from domain administrator accounts.
    • Reduce reliance on passwords; instead, consider using services like single sign-on [D3-TBA].
      • For organizations using on-premises authentication and email services, plan to disable NTLM entirely and migrate to more robust authentication processes such as PKI certificate authentication.
    • Do not store passwords in Group Policy Preferences (GPP). Remove all passwords previously included in GPP and change all passwords on the corresponding accounts [D3-CH]. [13]
    • Use account throttling or account lockout [D3-ANET]:
      • Throttling is preferred to lockout. Throttling progressively increases time delay between successive login attempts.
      • Account lockout can leave legitimate users unable to access their accounts and requires access to an account recovery process.
      • Account lockout can provide a malicious actor with an easy way to launch a Denial of Service (DoS).
      • If using lockout, then allowing 5 to 10 attempts before lockout is recommended.
    • Use a service to check for compromised passwords before using them [D3-SPP]. For example, “Have I Been Pwned” can be used to check whether a password has been previously compromised without disclosing the potential password.
    • Change all default credentials [D3-CRO] and disable protocols that use weak authentication (e.g., clear-text passwords or outdated and vulnerable authentication or encryption protocols) or do not support multi-factor authentication [D3-ACH] [D3-ET]. Always configure access controls carefully to ensure that only well-maintained and well-authenticated accounts have access. [13]

    IP Camera Mitigations

    The following mitigation techniques for IP cameras can be used to defend against this type of malicious activity:

    • Ensure IP cameras are currently supported. Replace devices that are out of support.
    • Apply security patches and firmware updates to all IP cameras [D3-SU].
    • Disable remote access to the IP camera, if unnecessary [D3-ITF].
    • Ensure cameras are protected by a security appliance, if possible, such as by using a firewall to prevent communication with the camera from IP addresses not on an allowlist [D3-NAM].
    • If remote access to IP camera feeds is required, ensure authentication is enabled [D3-AA] and use a VPN to connect remotely [D3-ET]. Use MFA for management accounts if supported [D3-MFA].
    • Disable Universal Plug and Play (UPnP), Peer-to-Peer (P2P), and Anonymous Visit features on IP cameras and routers [D3-NI].
    • Turn off other ports/services not in use (e.g., FTP, web interface, etc.) [D3-ACH].
    • If supported, enable authenticated RTSP access only [D3-AA].
    • Review all authentication activity for remote access to make sure it is valid and expected [D3-UBA]. Investigate any unexpected or unusual activity.
    • Audit IP camera user accounts to ensure they are an accurate reflection of your organization and that they are being used as expected [D3-UAP].
    • Configure, tune, and monitor logging—if available—on the IP camera.

    Indicators of Compromise (IOCs)

    Note: Specific IoCs may no longer be actor controlled, may themselves be compromised infrastructure or email accounts, or may be shared infrastructure such as public VPN or Tor exit nodes. Care should be taken when basing triaging logs or developing detection rules on these indicators. GRU unit 26165 almost certainly uses extensive further infrastructure and TTPs not specifically listed in this report.

    Utilities and scripts

    Legitimate utilities

    Unauthorized or unusual use of the following legitimate utilities can be an indication of a potential compromise:

    • ntdsutil – A legitimate Windows executable used by threat actors to export contents of Active Directory
    • wevtutil – A legitimate Windows executable used by threat actors to delete event logs
    • vssadmin – A legitimate Windows executable possibly used by threat actors to make a copy of the server’s C: drive
    • ADexplorer – A legitimate window executable to view, edit, and backup Active Directory Certificate Services
    • OpenSSH – The Windows version of a legitimate open source SSH client
    • schtasks – A legitimate Windows executable used to create persistence using scheduled tasks
    • whoami – A legitimate Windows executable used to retrieve the name of the current user
    • tasklist – A legitimate Windows executable used to retrieve the list of running processes
    • hostname – A legitimate Windows executable used to retrieve the device name
    • arp – A legitimate Windows executable used to retrieve the ARP table for mapping the network environment
    • systeminfo – A legitimate Windows executable used to retrieve a comprehensive summary of device and operating system information
    • net – A legitimate Windows executable used to retrieve detailed user information
    • wmic – A legitimate Windows executable used to interact with Windows Management Instrumentation (WMI), such as to retrieve letters assigned to logical partitions on storage drives
    • cacls – A legitimate Windows executable used to modify permissions on files
    • icacls – A legitimate Windows executable used to modify permissions to files and handle integrity levels and ownership
    • ssh – A legitimate Windows executable used to establish network shell connections
    • reg – A legitimate Windows executable used to add to or modify the system registry 

    Note: Additional heuristics are needed for effective hunting for these and other living off the land (LOTL) binaries to avoid being overwhelmed by false positives if these legitimate management tools are used regularly. See the joint guide, Identifying and Mitigating Living Off the Land Techniques, for guidance on developing a multifaceted cybersecurity strategy that enables behavior analytics, anomaly detection, and proactive hunting, which are part of a comprehensive approach to mitigating cyber threats that employ LOTL techniques.

    Malicious scripts

    • Certipy – An open source python tool for enumerating and abusing Active Directory Certificate Services
    • Get-GPPPassword.py – An open source python script for finding insecure passwords stored in Group Policy Preferences
    • ldap-dump.py – A script for enumerating user accounts and other information in Active Directory
    • Hikvision backdoor string: “YWRtaW46MTEK”

    Suspicious command lines

    While the following utilities are legitimate, and using them with the command lines shown may also be legitimate, these command lines are often used during malicious activities and could be an indication of a compromise:

    • edge.exe “-headless-new -disable-gpu”
    • ntdsutil.exe “activate instance ntds” ifm “create full C:temp[a-z]{3}” quit quit
    • ssh -Nf
    • schtasks /create /xml

    Outlook CVE Exploitation IOCs

    • md-shoeb@alfathdoor[.]com[.]sa
    • jayam@wizzsolutions[.]com
    • accounts@regencyservice[.]in
    • m.salim@tsc-me[.]com
    • vikram.anand@4ginfosource[.]com
    • mdelafuente@ukwwfze[.]com
    • sarah@cosmicgold469[.]co[.]za
    • franch1.lanka@bplanka[.]com
    • commerical@vanadrink[.]com
    • maint@goldenloaduae[.]com
    • karina@bhpcapital[.]com
    • tv@coastalareabank[.]com
    • ashoke.kumar@hbclife[.]in
    • 213[.]32[.]252[.]221
    • 124[.]168[.]91[.]178
    • 194[.]126[.]178[.]8
    • 159[.]196[.]128[.]120

    Commonly Used Webmail Providers

    • portugalmail[.]pt
    • mail-online[.]dk
    • email[.]cz
    • seznam[.]cz

    Malicious Archive Filenames Involving CVE-2023-38831

    • calc.war.zip
    • news_week_6.zip
    • Roadmap.zip
    • SEDE-PV-2023-10-09-1_EN.zip
    • war.zip
    • Zeyilname.zip

    Brute Forcing IP Addresses

    Disclaimer: These IP addresses date June 2024 through August 2024. The authoring agencies recommend organizations investigate or vet these IP addresses prior to taking action, such as blocking.

    June 2024 July 2024 August 2024
    192[.]162[.]174[.]94 207[.]244[.]71[.]84 31[.]135[.]199[.]145 79[.]184[.]25[.]198 91[.]149[.]253[.]204  
    103[.]97[.]203[.]29 162[.]210[.]194[.]2 31[.]42[.]4[.]138 79[.]185[.]5[.]142 91[.]149[.]254[.]75  
    209[.]14[.]71[.]127   46[.]112[.]70[.]252 83[.]10[.]46[.]174 91[.]149[.]255[.]122  
    109[.]95[.]151[.]207   46[.]248[.]185[.]236 83[.]168[.]66[.]145 91[.]149[.]255[.]19  
        64[.]176[.]67[.]117 83[.]168[.]78[.]27 91[.]149[.]255[.]195  
        64[.]176[.]69[.]196 83[.]168[.]78[.]31   91[.]221[.]88[.]76  
        64[.]176[.]70[.]18 83[.]168[.]78[.]55   93[.]105[.]185[.]139  
        64[.]176[.]70[.]238 83[.]23[.]130[.]49   95[.]215[.]76[.]209  
        64[.]176[.]71[.]201 83[.]29[.]138[.]115   138[.]199[.]59[.]43  
        70[.]34[.]242[.]220 89[.]64[.]70[.]69   147[.]135[.]209[.]245  
        70[.]34[.]243[.]226 90[.]156[.]4[.]204   178[.]235[.]191[.]182  
        70[.]34[.]244[.]100 91[.]149[.]202[.]215   178[.]37[.]97[.]243  
        70[.]34[.]245[.]215 91[.]149[.]203[.]73   185[.]234[.]235[.]69  
        70[.]34[.]252[.]168 91[.]149[.]219[.]158 192[.]162[.]174[.]67  
        70[.]34[.]252[.]186 91[.]149[.]219[.]23   194[.]187[.]180[.]20  
        70[.]34[.]252[.]222 91[.]149[.]223[.]130   212[.]127[.]78[.]170  
        70[.]34[.]253[.]13 91[.]149[.]253[.]118 213[.]134[.]184[.]167
        70[.]34[.]253[.]247   91[.]149[.]253[.]198    
        70[.]34[.]254[.]245 91[.]149[.]253[.]20    

    Detections

    Customized NTLM listener

    rule APT28_NTLM_LISTENER {

           meta:

                  description = "Detects NTLM listeners including APT28's custom one"

           strings:

                  $command_1 = "start-process powershell.exe -WindowStyle hidden"

                  $command_2 = "New-Object System.Net.HttpListener"

                  $command_3 = "Prefixes.Add('http://localhost:8080/')"

                  $command_4 = "-match 'Authorization'"

                  $command_5 = "GetValues('Authorization')"

                  $command_6 = "Request.RemoteEndPoint.Address.IPAddressToString"

                  $command_7 = "@(0x4e,0x54,0x4c,0x4d, 0x53,0x53,0x50,0x00,0x02,0x00,0x00,0x00,0x00,0x00,0x00,0x00,0x00,0x28,0x00,0x00,0x01,0x82,0x00,0x00,0x11,0x22,0x33,0x44,0x55,0x66,0x77,0x88,0x00,0x00,0x00,0x00,0x00,0x00,0x00,0x00)"

                  $command_8 = ".AllKeys"

                  

                  $variable_1 = "$NTLMAuthentication" nocase

                  $variable_2 = "$NTLMType2" nocase

                  $variable_3 = "$listener" nocase

                  $variable_4 = "$hostip" nocase

                  $variable_5 = "$request" nocase

                  $variable_6 = "$ntlmt2" nocase

                  $variable_7 = "$NTLMType2Response" nocase

                  $variable_8 = "$buffer" nocase

           condition:

                  5 of ($command_*) 

                  or

                  all of ($variable_*)

    }

    HEADLACE shortcut

    rule APT28_HEADLACE_SHORTCUT {

           meta:

                  description = "Detects the HEADLACE backdoor shortcut dropper. Rule is meant for threat hunting."

           strings:

                  $type = "[InternetShortcut]" ascii nocase

                  $url  = "file://"

                  $edge = "msedge.exe"

                  $icon = "IconFile"

           condition:

                  all of them

    }

    HEADLACE credential dialogbox phishing 

    rule APT28_HEADLACE_CREDENTIALDIALOG {

           meta:

                  description = "Detects scripts used by APT28 to lure user into entering credentials"

           strings:

                  $command_1 = "while($true)"

                  $command_2 = "Get-Credential $(whoami)"

                  $command_3 = "Add-Content"

                  $command_4 = ".UserName"

                  $command_5 = ".GetNetworkCredential().Password"

                  $command_6 = "GetNetworkCredential().Password.Length -ne 0"

           condition:

                  5 of them

    }

    HEADLACE core script

    rule APT28_HEADLACE_CORE {

           meta:

                  description = "Detects HEADLACE core batch scripts"

           strings:

                  $chcp = "chcp 65001" ascii

                  $headless = "start "" msedge --headless=new --disable-gpu" ascii

                  

                  $command_1 = "taskkill /im msedge.exe /f" ascii

                  $command_2 = "whoami>"%programdata%" ascii

                  $command_3 = "timeout" ascii

                  $command_4 = "copy "%programdata%" ascii

                  $non_generic_del_1 = "del /q /f "%programdata%" ascii

                  $non_generic_del_3 = "del /q /f "%userprofile%Downloads" ascii

     

                  $generic_del = "del /q /f" ascii

           condition:

                  (

                          $chcp 

                          and 

                          $headless

                  )

                  and

                  (

                          1 of ($non_generic_del_*)

                          or

                          ($generic_del)

                          or

                          3 of ($command_*)

                  )

    }

    MASEPIE

    rule APT28_MASEPIE {

           meta:

                  description = "Detects MASEPIE python script"

           strings:

                  $masepie_unique_1 = "os.popen('whoami').read()"

                  $masepie_unique_2 = "elif message == 'check'"

                  $masepie_unique_3 = "elif message == 'send_file':"

                  $masepie_unique_4 = "elif message == 'get_file'"

                  $masepie_unique_5 = "enc_mes('ok'"

                  $masepie_unique_6 = "Bad command!'.encode('ascii'"

                  $masepie_unique_7 = "{user}{SEPARATOR}{k}"

                  $masepie_unique_8 = "raise Exception("Reconnect"

           condition:

                  3 of ($masepie_unique_*)

    }

    STEELHOOK

    rule APT28_STEELHOOK {

           meta:

                  description = "Detects APT28's STEELHOOK powershell script"

           strings:

                  $s_1 = "$($env:LOCALAPPDATAGoogleChromeUser DataLocal State)"

                  $s_2 = "$($env:LOCALAPPDATAGoogleChromeUser DataDefaultLogin Data)"

                  $s_3 = "$($env:LOCALAPPDATAMicrosoftEdgeUser DataLocal State)"

                  $s_4 = "$($env:LOCALAPPDATAMicrosoftEdgeUser DataDefaultLogin Data)"

                  $s_5 = "os_crypt.encrypted_key"

                  $s_6 = "System.Security.Cryptography.DataProtectionScope"

                  $s_7 = "[system.security.cryptography.protectdata]::Unprotect"

                  $s_8 = "Invoke-RestMethod"

           condition:

                  all of them

    }

    PSEXEC

    rule GENERIC_PSEXEC {

           meta:

                  description = "Detects SysInternals PSEXEC executable"

           strings:

                  $sysinternals_1 = "SYSINTERNALS SOFTWARE LICENCE TERMS"

                  $sysinternals_2 = "/accepteula"

                  $sysinternals_3 = "SoftwareSysinternals"

                  $network_1 = "%sIPC$"

                  $network_2 = "%sADMIN$%s"

                  $network_3 = "DeviceLanmanRedirector%sipc$"

                  $psexec_1 = "PSEXESVC"

                  $psexec_2 = "PSEXEC-{}-"

                  $psexec_3 = "Copying %s to %s..."

                  $psexec_4 = "gPSINFSVC"

           condition:

                  (

                          ( uint16( 0x0 ) ==0x5a4d )

                          and

                          ( uint16( uint32( 0x3c )) == 0x4550 )

                  )

                  and 

                          filesize < 1024KB

                  and

                  (

                          ( any of ($sysinternals_*) and any of ($psexec_*) )

                          or

                          ( 2 of ($network_*) and 2 of ($psexec_*))

                  )

    }

    The cybersecurity industry provides overlapping cyber threat intelligence, IOCs, and mitigation recommendations related to GRU unit 26165 cyber actors. While not all encompassing, the following are the most notable threat group names related under MITRE ATT&CK G0007 and commonly used within the cybersecurity community: 

    • APT28 [14]
    • Fancy Bear [14]
    • Forest Blizzard [14]
    • Blue Delta [15]

    Note: Cybersecurity companies have different methods of tracking and attributing cyber actors, and this may not be a 1:1 correlation to the U.S. government’s understanding for all activity related to these groupings.

    Further Reference

    To search for the presence of malicious email messages targeting CVE-2023-23397, network defenders may consider using the script published by Microsoft: https://aka.ms/CVE-2023-23397ScriptDoc. 

    For the Impacket TTP, network defenders may consider using the following publicly available Impacket YARA detection rule:
    https://github.com/Neo23x0/signature-base/blob/master/yara/gen_impacket_tools.yar

    Works Cited

    [1] Microsoft. Defending Ukraine: Early Lessons from the Cyber War. 2022. https://blogs.microsoft.com/on-the-issues/2022/06/22/defending-ukraine-early-lessons-from-the-cyber-war/  
    [2] FBI et al. Russian Cyber Actors Use Compromised Routers to Facilitate Cyber Operations. 2024. https://media.defense.gov/2024/Feb/27/2003400753/-1/-1/0/CSA-Russian-Actors-Use-Routers-Facilitate-Cyber_Operations.PDF   
    [3] NSA et al. Russian GRU Conducting Global Brute Force Campaign to Compromise Enterprise and Cloud Environments. 2021. https://media.defense.gov/2021/Jul/01/2002753896/-1/-1/0/CSA_GRU_GLOBAL_BRUTE_FORCE_CAMPAIGN_UOO158036-21.PDF 
    [4] ANSSI. Campagnes d'attaques du mode opératoire APT28 depuis 2021. 2023. https://cert.ssi.gouv.fr/cti/CERTFR-2023-CTI-009/  
    [5] ANSSI. Targeting and compromise of french entities using the APT28 intrusion set. 2025. https://cert.ssi.gouv.fr/cti/CERTFR-2025-CTI-007/   
    [6] Polish Cyber Command. Detecting Malicious Activity Against Microsoft Exchange Servers. 2023. https://www.wojsko-polskie.pl/woc/articles/aktualnosci-w/detecting-malicious-activity-against-microsoft-exchange-servers/ 
    [7] IBM. Israel-Hamas Conflict Lures to Deliver Headlace Malware. 2023. https://securityintelligence.com/x-force/itg05-ops-leverage-israel-hamas-conflict-lures-to-deliver-headlace-malware/ 
    [8] CERT-UA. APT28: From Initial Attack to Creating Domain Controller Threats in an Hour. 2023. https://cert.gov.ua/article/6276894 
    [9] NSA. Embracing a Zero Trust Security Model. 2021. https://media.defense.gov/2021/Feb/25/2002588479/-1/-1/0/CSI_EMBRACING_ZT_SECURITY_MODEL_UOO115131-21.PDF  
    [10] NSA et al. Keeping PowerShell: Security Measures to Use and Embrace. 2022. https://media.defense.gov/2022/Jun/22/2003021689/-1/-1/0/CSI_KEEPING_POWERSHELL_SECURITY_MEASURES_TO_USE_AND_EMBRACE_20220622.PDF 
    [11] National Institute of Standards and Technology (NIST). Special Publication 800-63B: Digital Identity Guidelines – Authentication and Lifecycle Management. 2020. https://pages.nist.gov/800-63-3/sp800-63b.html 
    [12] NSA. Selecting Secure Multi-factor Authentication Solutions. October 16, 2020. https://media.defense.gov/2024/Jul/31/2003515137/-1/-1/0/MULTIFACTOR_AUTHENTICATION_SOLUTIONS_UOO17091520.PDF  
    [13] NSA and CSA. NSA and CISA Red and Blue Teams Share Top Ten Cybersecurity Misconfigurations. 2023. https://media.defense.gov/2023/Oct/05/2003314578/-1/-1/0/JOINT_CSA_TOP_TEN_MISCONFIGURATIONS_TLP-CLEAR.PDF 

    [14] Department of Justice. Justice Department Conducts Court-Authorized Disruption of Botnet Controlled by the Russian Federation’s Main Intelligence Directorate of the General Staff (GRU). 2024. https://www.justice.gov/archives/opa/pr/justice-department-conducts-court-authorized-disruption-botnet-controlled-russian  
    [15] Recorded Future. GRU’s BlueDelta Targets Key Networks in Europe with Multi-Phase Espionage Campaigns. 2024. https://go.recordedfuture.com/hubfs/reports/CTA-RU-2024-0530.pdf  
     

    Disclaimer of endorsement

    The information and opinions contained in this document are provided "as is" and without any warranties or guarantees. Reference herein to any specific commercial products, process, or service by trade name, trademark, manufacturer, or otherwise, does not constitute or imply its endorsement, recommendation, or favoring by the United States Government, and this guidance shall not be used for advertising or product endorsement purposes.

    Purpose

    This document was developed in furtherance of the authoring agencies’ cybersecurity missions, including their responsibilities to identify and disseminate threats and to develop and issue cybersecurity specifications and mitigations. This information may be shared broadly to reach all appropriate stakeholders.

    Contact

    United States organizations

    • National Security Agency (NSA)
    • Cybersecurity and Infrastructure Security Agency (CISA) and Federal Bureau of Investigation (FBI)
      • U.S. organizations are encouraged to reporting suspicious or criminal activity related to information in this advisory to CISA via the agency’s Incident Reporting System, its 24/7 Operations Center (report@cisa.gov or 888-282-0870), or your local FBI field office. When available, please include the following information regarding the incident: date, time, and location of the incident; type of activity; number of people affected; type of equipment user for the activity; the name of the submitting company or organization; and a designated point of contact.
    • Department of Defense Cyber Crime Center (DC3)

    United Kingdom organizations

    Germany organizations

    Czech Republic organizations

    Poland organizations

    Australian organizations

    • Visit cyber.gov.au or call 1300 292 371 (1300 CYBER 1) to report cybersecurity incidents and access alerts and advisories.

    Canadian organizations

    Estonia organizations

    French organizations

    • French organizations are encouraged to report suspicious activity or incident related to information found in this advisory by contacting ANSSI/CERT-FR by email at cert-fr@ssi.gouv.fr or by phone at: 3218 or +33 9 70 83 32 18. 

    See Table 2 through Table 14 for all the threat actor tactics and techniques referenced in this advisory.

    Table 2: Reconnaissance
    Tactic/Technique Title ID Use
    Reconnaissance TA0043 Conducted reconnaissance on at least one entity involved in the production of ICS components for railway management.
    Gather Victim Identity Information: Email Addresses T1589.002 Conducted contact information reconnaissance to identify additional targets in key positions.
    Gather Victim Org Information T1591 Conducted reconnaissance of the cybersecurity department.
    Gather Victim Org Information: Identify Roles T1591.004 Conducted reconnaissance of individuals responsible for coordinating transport.
    Gather Victim Org Information: Business Relationships T1591.002 Conducted reconnaissance of other companies cooperating with the victim entity.
    Gather Victim Host Information T1592 Attempted to enumerate Real Time Streaming Protocol (RTSP) servers hosting IP cameras.
    Table 3: Resource development
    Tactic/Technique Title ID Use
    Compromise Accounts: Email Accounts T1586.002 Sent phishing emails using compromised accounts.
    Compromise Accounts: Cloud Accounts T1586.003 Sent phishing emails using compromised accounts.
    Table 4: Initial Access
    Tactic/Technique Title ID Use
    Trusted Relationship T1199 Conducted follow-on targeting of additional entities in the transportation sector that had business ties to the primary target, exploiting trust relationships to attempt to gain additional access.
    Phishing T1566 Used spearphishing for credentials and delivering malware to gain initial access to targeted entities.
    Phishing: Spearphishing Attachment T1566.001 Sent emails with malicious attachments.
    Phishing: Spearphishing Link T1566.002 Used spearphishing with included links to fake login pages. Sent emails with embedded hyperlinks that downloaded a malicious archive.
    Phishing: Spearphishing Voice T1566.004 Attempted to use voice phishing to gain access to privileged accounts by impersonating IT staff.
    External Remote Services T1133 Exploited Internet-facing infrastructure, including corporate VPNs, to gain initial access to targeted entities.
    Exploit Public-Facing Application T1190 Exploited public vulnerabilities and SQL injection to gain initial access to targeted entities.
    Content Injection T1659 Leveraged a WinRAR vulnerability allowing for the execution of arbitrary code embedded in an archive.
    Table 5: Execution
    Tactic/Technique Title ID Use
    User Execution: Malicious Link T1204.001 Used malicious links to hosted shortcuts in spearphishing.
    User Execution: Malicious File T1204.002 Delivered malware executables via spearphishing.
    Scheduled Task/Job: Scheduled Task T1053.005 Used scheduled tasks to establish persistence.
    Command and Scripting Interpreter T1059 Delivered scripts in spearphishing. Executed arbitrary shell commands.
    Command and Scripting Interpreter: PowerShell T1059.001 PowerShell commands were often used to prepare data for exfiltration.
    Command and Scripting Interpreter: Windows Command Shell T1059.003 Used BAT script in spearphishing.
    Command and Scripting Interpreter: Visual Basic T1059.005 Used VBScript in spearphishing.
    Command and Scripting Interpreter: Python T1059.006 Installed python on infected machines to enable the execution of Certipy.
    Table 6: Persistence
    Tactic/Technique Title ID Use
    Account Manipulation: 
    Additional Email Delegate 
    Permissions

    T1098.002 

    Used manipulation of mailbox permissions to establish sustained email collection. 
    Modify Authentication Process: 
    Multi-Factor Authentication

    T1556.006 

    Enrolled compromised accounts in MFA mechanisms to increase the trust-level of compromised accounts and enable sustained access. 
    Hijack Execution Flow: DLL 
    Search Order Hijacking 
    T1574.001  Used DLL search order hijacking to facilitate malware execution. 
    Boot or Logon Autostart 
    Execution: Registry Run Keys / 
    Startup Folder

    T1547.001 

    Used run keys to establish persistence. 
    Boot or Logon Autostart 
    Execution: Shortcut 
    Modification

    T1547.009 

    Placed malicious shortcuts in the startup folder to establish persistence. 
    Table 7: Defense Evasion
    Tactic/Technique Title ID Use
    Indicator Removal: Clear 
    Windows Event Logs
    T1070.001  Deleted event logs through the wevtutil utility.
    Table 8: Credential access 
    Tactic/Technique Title ID Use

    Brute Force 

    Sent requests with Base64-encoded credentials for the RTSP server, which included publicly documented default credentials, and likely were generic attempts to brute force access to the devices. 

    Brute Force: Password Guessing 

    T1110.001 

    Used credential guessing to gain initial access to targeted entities. 

    Brute Force: Password Spraying 

    T1110.003 

    Used brute force to gain initial access to targeted entities. Conducted a brute force password spray via LDAP. 

    Multi-Factor Authentication Interception 

    Used multi-stage redirectors to provide MFA relaying capabilities in some campaigns. 

    Input Capture 

    Used multi-stage redirectors to provide CAPTCHA relaying capabilities in some campaigns. 

    Forced Authentication 

    Used an Outlook NTLM vulnerability to collect NTLM hashes and credentials via specially crafted Outlook calendar appointment invitations. 

    OS Credential Dumping: NTDS 

    T1003.003 

    Attempted to dump Active Directory NTDS.dit domain databases. 

    Unsecured Credentials: Group Policy Preferences 

    T1552.006 

    Retrieved plaintext passwords via Group Policy Preferences using Get-GPPPassword.py. 

    Table 9: Discovery
    Tactic/Technique Title ID Use

    Account Discovery: Domain Account

    T1087.002

    Used a modified ldap-dump.py to enumerate the Windows environment.

    Table 10: Command and Control
    Tactic/Technique Title ID Use

    Hide Infrastructure 

    T1665 

    Abused SOHO devices to facilitate covert cyber operations, as well as proxy malicious activity, via devices with geolocation in proximity to the target. 

    Proxy: External Proxy 

    T1090.002 

    Actor-controlled servers sent RTSP DESCRIBE requests destined for RTSP servers. 

    Proxy: Multi-hop Proxy 

    T1090.003 

    Used Tor and commercial VPNs as part of their anonymization infrastructure 

    Encrypted Channel 

    T1573 

    Connected to victim infrastructure using encrypted TLS. 

    Multi-Stage Channels 

    T1104 

    Used multi-stage redirectors for campaigns. 

    Table 11: Defense evasion (mobile framework)
    Tactic/Technique Title ID Use

    Execution Guardrails 

    Used multi-stage redirectors to verify browser fingerprints in some campaigns. 

    Execution Guardrails: Geofencing 

    T1627.001 

    Used multi-stage redirectors to verify IP-geolocation in some campaigns. 

    Table 12: Lateral movement
    Tactic/Technique Title ID Use

    Lateral Movement 

    Used native commands and open source tools, such as Impacket and PsExec, to move laterally within the environment. 

    Remote Services: Remote Desktop Protocol 

    T1021.001 

    Moved laterally within the network using RDP. 

    Table 13: Collection
    Tactic/Technique Title ID Use

    Email Collection 

    Retrieved sensitive data from email servers. 

    Email Collection: Remote Email Collection 

    T1114.002 

    Used server data exchange protocols and APIs such as Exchange Web Services (EWS) and IMAP to exfiltrate data from email servers. 

    Automated Collection 

    Used periodic EWS queries to collect new emails. 

    Video Capture 

    Attempted to gain access to the cameras’ feeds. 

    Archive Collected Data 

    Accessed files were archived in .zip files prior to exfiltration. 

    Archive Collected Data: Archive via Utility 

    T1560.001 

    Prepared zip archives for upload to the actors’ infrastructure. 

    Table 14: Exfiltration
    Tactic/Technique Title ID Use

    Exfiltration Over Alternative Protocol 

    Attempted to exfiltrate archived data via a previously dropped OpenSSH binary. 

    Scheduled Transfer 

    Used periodic EWS queries to collect new emails sent and received since the last data exfiltration. 

    Appendix B: CVEs exploited

    Table 15: Exploited CVE information
    CVE  Vendor/Product  Details

    CVE-2023-38831 

    RARLAB WinRAR 

    Allows execution of arbitrary code when a user attempts to view a benign file within a ZIP archive. 

    CVE-2023-23397 

    Microsoft Outlook 

    External actors could send specially crafted emails that cause a connection from the victim to an untrusted location of the actor’s control, leaking the Net-NTLMv2 hash of the victim that the actor could then relay to another service to authenticate as the victim. 

    CVE-2021-44026 

    Roundcube Webmail 

    Roundcube before 1.3.17 and 1.4.x before 1.4.12 is prone to a potential SQL injection via search or search params. 

    CVE-2020-35730 

    Roundcube Webmail 

    An XSS issue was discovered in Roundcube Webmail before 1.2.13, 1.3.x before 1.3.16 and 1.4.x before 1.4.10, where a plaintext email message with JavaScript in a link reference element is mishandled by linkref_addindex in rcube_string_replacer.php. 

    CVE-2020-12641 

    Roundcube Webmail 

    Roundcube Webmail before 1.4.4 allows arbitrary code execution via shell metacharacters in a configuration setting for im_convert_path or im_identify_path in rcube_image.php. 

    Appendix C: MITRE D3FEND Countermeasures

    Table 16: MITRE D3FEND countermeasures
    Countermeasure Title  ID  Details 

    Network Isolation 

    Employ appropriate network segmentation. Disable Universal Plug and Play (UPnP), Peer-to-Peer (P2P), and Anonymous Visit features on IP cameras and routers. 

    Access Mediation 

    Limit access and utilize additional attributes (such as device information, environment, and access path) when making access decisions. Configure access controls carefully to ensure that only well-maintained and well-authenticated accounts have access. 

    Inbound Traffic Filtering 

    Implement host firewall rules to block connections from other devices on the network, other than from authorized management devices and servers, to prevent lateral movement. 

    Resource Access Pattern Analysis 

    Use automated tools to audit access logs for security concerns and identify anomalous access requests. 

    Outbound Traffic Filtering 

    Block NTLM/SMB requests to external infrastructure. 

    Platform Monitoring 

    Install EDR/logging/cybersecurity solutions onto high value systems with large amounts of sensitive data such as mail servers and domain controllers. 

    System File Analysis 

    Collect and monitor Windows logs for certain events, especially for events that indicate that a log was cleared unexpectedly. 

    Application Hardening 

    Enable optional security features in Windows to harden endpoints and mitigate initial access techniques. 

    Application-based Process Isolation 

    Enable attack surface reduction rules to prevent executable content from email. 

    Executable Allowlisting 

    Enable attack surface reduction rules to prevent execution of files from globally writeable directories, such as Downloads or %APPDATA%. 

    Execution Isolation 

    Unless users are involved in the development of scripts, limit the execution of scripts (such as batch, JavaScript, and PowerShell) to known scripts. 

    Application Configuration Hardening 

    Disable Windows Host Scripting functionality and configure PowerShell to run in Constrained mode. Disable protocols that use weak authentication (e.g., clear-text passwords, or outdated and vulnerable authentication or encryption protocols) or do not support multi-factor authentication. Turn off other ports/services not in use (e.g., FTP, web interface, etc.). 

    Process Spawn Analysis 

    Use open source SIGMA rules as a baseline for detecting and alerting on suspicious file execution or command parameters. 

    URL Reputation Analysis 

    Use services that provide enhanced browsing services and safe link checking. 

    Network Access Mediation 

    Do not allow incoming traffic, especially logins to systems, from public VPN services. Where possible, logins from public VPNs, including exit nodes in the same country as target systems, should be blocked or, if allowed, alerted on for further investigation. Ensure cameras and other Internet of Things devices are protected by a security appliance, if possible. 

    DNS Denylisting 

    D3-DNSDL 

    Do not allow outgoing traffic to hosting and API mocking services frequently used by malicious actors. 

    Domain Name Reputation Analysis 

    Heuristic detections for web requests to new subdomains may uncover malicious phishing activity. Logging the requests for each sub-domain requested by users on a network, such as in DNS or firewall logs, may enable system administrators to identify new targeting and victims. 

    Multi-factor Authentication 

    Use MFA with strong factors and require regular re-authentication, especially for management accounts. 

    Job Function Access Pattern Analysis 

    D3-JFAPA 

    Implement other mitigations for privileged accounts: including limiting the number of admin accounts, considering using hardware MFA tokens, and regularly reviewing all privileged user accounts. 

    User Account Permissions 

    Separate privileged accounts by role and alert on misuse of privileged accounts. Audit user accounts on all devices to ensure they are an accurate reflection of your organization and that they are being used as expected. 

    Token-based Authentication 

    Reduce reliance on passwords; instead, consider using services like single sign-on. 

    Credential Hardening 

    Do not store passwords in Group Policy Preferences (GPP). Remove all passwords previously included in GPP and change all passwords on the corresponding accounts. 

    Authentication Event Threshholding 

    Use account throttling or account lockout. Throttling progressively increases time delay between successive login attempts. If using account lockout, allow between 5 to 10 attempts before lockout. 

    Strong Password Policy 

    Use a service to check for compromised passwords before using them. 

    Credential Rotation 

    Change all default credentials. 

    Encrypted Tunnels 

    Disable protocols that use weak authentication (e.g., clear-text passwords, or outdated and vulnerable authentication or encryption protocols). Use a VPN for remote connections to devices. 

    Software Update 

    Apply security patches and firmware updates to all devices. Ensure devices are currently supported. Replace devices that are end-of-life. 

    Agent Authentication 

    Ensure authentication is enabled for remote access to devices. If supported on IP cameras, enable authenticated RTSP access only. 

    User Behavior Analysis 

    Review all authentication activity for remote access to make sure it is valid and expected. Investigate any unexpected or unusual activity. 

    MIL Security OSI -

    May 22, 2025
  • MIL-OSI: Rhizome Secures $6.5M in Seed Funding to Meet Surging Demand for Resilience Planning

    Source: GlobeNewswire (MIL-OSI)

    WASHINGTON, May 21, 2025 (GLOBE NEWSWIRE) — Rhizome, the leading climate resilience planning platform for the power grid, today announced the close of a $6.5 million oversubscribed Seed funding round led by Base10 Partners. The company will use the funding to scale their AI platform and team as they continue to help utilities protect their grid and customers from the impacts of extreme weather events. Rhizome will focus on building out its existing platform, new product research and development, and expanding its geographic footprint domestically and internationally.

    Rhizome, launched in 2023, supports utilities by helping them model the impacts of increasingly severe extreme weather events against their systems. By leveraging AI against climate risk data and digital representations of the physical grid, Rhizome’s platform identifies vulnerabilities and prioritizes resilience investments and upgrades. This fundraise will further fuel Rhizome’s mission to integrate climate intelligence into utility planning workflows at a time when grid resilience has never been more crucial.

    Extreme weather events are rapidly increasing in frequency, intensity, and cost. In 2024 alone, the U.S. faced 27 billion-dollar climate and weather disasters, totaling over $182 billion in damages. For electric utilities, the stakes are particularly high. A McKinsey analysis found that major storms have cost individual utilities an average of $1.4 billion over a 20-year period, underscoring the urgent need for smarter, more resilient infrastructure planning in the face of growing climate volatility.

    At the same time, electric utility capital expenditures hit a record $179 billion, with projections rising to $194 billion in 2025. In an environment where every dollar counts, utilities need advanced planning tools that can simulate a range of climate scenarios — removing the guesswork from resilience planning and helping every dollar go further.

    “We set out to partner with investors who deeply understand the power sector and share our commitment to solving pressing climate resilience challenges,” said Mishal Thadani, Co-founder and CEO of Rhizome. “This funding allows us to scale our work and continue refining a suite of products that help utilities prepare the grid for an increasingly uncertain future.”

    Base10 is joined in the Seed round by first-time Rhizome investors in MCJ and CLAI. They join Convective Capital, El Cap, Streetlife Ventures, Stepchange, and Everywhere in closing out the oversubscribed round, all of whom also participated in prior Rhizome fundraises.

    “Resilience is unquestionably one of the most important factors in ensuring a safe, reliable power grid,” said Rexhi Dollaku, General Partner at Base10 Partners. “Mish, Rahul, and the team bring the right mix of vision, urgency, and technical depth to solve this challenge, and we’re proud to support them.”

    In just under two years, Rhizome has developed and commercialized a suite of mission-specific products used by electric utilities in diverse geographical regions. Its flagship product, gridADAPT, supports long-term infrastructure planning by helping utilities prioritize investments that improve reliability and resilience. This was followed by the launch of gridFIRM, a first-of-its-kind platform for wildfire risk mitigation, and most recently, gridCAVA –– an affordable climate vulnerability assessment tool designed specifically for municipal and cooperative utilities. Built on Rhizome’s scalable, cloud-based Aspen platform, these tools round out a powerful portfolio of climate resilience planning tools designed to model current and future climate risk against utility infrastructure, available to utilities across Rhizome’s expanding geographical footprint.

    Rhizome is actively engaged in utility partnerships across the U.S. and Canada, supporting organizations facing a range of region-specific climate risks. Current customers include Avangrid, Seattle City Light, Vermont Electric Power Company (VELCO), Vermont Electric Cooperative (VEC). Rhizome also has a range of strategic collaborations that include EPRI’s Climate READi, KPMG, Black and Veatch, and the University of Connecticut.

    Rhizome is expanding its platform, growing its team, and partnering with more utilities to strengthen resilience in the face of climate-driven threats. Contact Rhizome or visit here to learn more about the company’s expanding portfolio of climate risk solutions.

    About Rhizome
    Rhizome is an AI-powered software platform that helps utilities identify vulnerabilities from climate threats, quantify risk at high resolutions, and measure the economic and social benefits of grid-enhancing investments. Rhizome provides the highest standard of equitable climate risk mitigation to ensure that communities and businesses are protected against intensifying extreme weather events.

    About Base10 Partners
    Founded by Adeyemi Ajao and TJ Nahigian, Base10 is a San Francisco-based venture capital fund investing in founders who believe purpose is key to profits and companies that are automating sectors of the Real Economy, including transportation, retail, logistics, and construction. Through its program, The Advancement Initiative, Base10 aims to donate 50% of profits to underfunded colleges and universities to support financial aid and other key initiatives. Portfolio companies include Notion, Figma, Nubank, Stripe, Motive, Chili Piper, and Popmenu. Connect via base10.vc.

    Media Contact
    FischTank PR
    rhizome@fischtankpr.com

    Additional Inquiries ** or ** Business Development Inquiries
    Dea Pratt, Head of Marketing
    dea@rhizomedata.com

    The MIL Network –

    May 22, 2025
  • MIL-OSI: No KYC, 100x Leverage, Big Bonuses, Simple Interface — Why Beginners Love BexBack

    Source: GlobeNewswire (MIL-OSI)

    SINGAPORE, May 21, 2025 (GLOBE NEWSWIRE) — Bitcoin has officially shattered the long-anticipated $100,000 barrier, marking a historic milestone for the crypto market. As shown in the latest TradingView chart, BTC continues to push higher, riding the upper edge of the Bollinger Bands with no signs of slowing down.

    While the bull run creates exciting opportunities, traders are now facing a critical question: Which platform is best positioned to help them capitalize on this volatility?

    Introducing BexBack — A Streamlined Futures Trading Platform Built for This Moment

    In a sea of exchanges that are often overloaded, overcomplicated, or overregulated, BexBack stands out with its fast, frictionless, and fully non-KYC approach to crypto derivatives trading.

    Whether you’re a seasoned leverage trader or just getting started, BexBack delivers a powerful yet simple experience, offering:

    • No KYC Required — Trade anonymously with just an email
    • 100% Deposit Bonus + $100 Trading Bonus — Double your capital and get a head start
    • Up to 100x Leverage — Maximize your position in times of volatility
    • Free Demo Account — Practice with 10 BTC and 1,000,000 USDT risk-free
    • 50+ Perpetual Contracts — Including BTC, ETH, XRP, ADA, SOL and more
    • Zero Spread, No Slippage — What you see is what you get

    Security and Speed in One Package

    BexBack isn’t just fast — it’s secure. With cold wallet fund storage, multi-signature withdrawal approvals, and real-time risk monitoring, the platform ensures your assets and trades are well protected.

    Global Access, Real Freedom

    BexBack proudly serves a global user base. With no mandatory KYC, even traders from regions with limited access to traditional exchanges can participate freely and instantly.

    About BexBack?

    BexBack is a leading cryptocurrency derivatives platform offering up to 100x leverage on futures contracts for BTC, ETH, ADA, SOL, XRP, and over 50 other digital assets. Headquartered in Singapore, the platform also operates offices in Hong Kong, Japan, the United States, the United Kingdom, and Argentina. Like many top-tier exchanges, BexBack holds a U.S. MSB (Money Services Business) license and is trusted by more than 500,000 traders worldwide. The platform accepts users from the United States, Canada, and Europe, with zero deposit fees and 24/7 multilingual customer support, delivering a secure, efficient, and user-friendly trading experience.

    As Bitcoin Enters Price Discovery, Don’t Get Left Behind

    Markets like this don’t come around often. Whether you’re aiming to ride short-term price swings or position for long-term growth, BexBack provides the tools, leverage, and freedom you need to trade your way.

    Create your account, claim your bonuses, and trade with confidence — all on BexBack.

    Website: www.bexback.com

    Contact: business@bexback.com

    Contact:
    Amanda
    business@bexback.com

    Disclaimer: This content is provided by BexBack The statements, views, and opinions expressed in this content are solely those of the content provider and do not necessarily reflect the views of this media platform or its publisher. We do not endorse, verify, or guarantee the accuracy, completeness, or reliability of any information presented. We do not guarantee any claims, statements, or promises made in this article. This content is for informational purposes only and should not be considered financial, investment, or trading advice. Investing in crypto and mining-related opportunities involves significant risks, including the potential loss of capital. It is possible to lose all your capital. These products may not be suitable for everyone, and you should ensure that you understand the risks involved. Seek independent advice if necessary. Speculate only with funds that you can afford to lose. Readers are strongly encouraged to conduct their own research and consult with a qualified financial advisor before making any investment decisions. However, due to the inherently speculative nature of the blockchain sector—including cryptocurrency, NFTs, and mining—complete accuracy cannot always be guaranteed.
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    The MIL Network –

    May 22, 2025
  • MIL-OSI: MEXC Partners with TON for Groundbreaking $1 Million Crypto Event

    Source: GlobeNewswire (MIL-OSI)

    VICTORIA, Seychelles, May 21, 2025 (GLOBE NEWSWIRE) — MEXC, a leading global cryptocurrency exchange, today announced an industry-disrupting partnership with The Open Network (TON) that introduces a $1 million reward pool campaign and fundamentally challenges established exchange revenue models. Launching today and running through June 20, the “TON Triumph” campaign eliminates all trading fees on TON pairs while offering staking returns that dwarf typical yields by up to 100 times.

    In an unprecedented move that signals a significant shift in exchange competition strategies, MEXC will offer new users access to staking opportunities with up to 400% APR on TON tokens—creating what analysts describe as the most aggressive user acquisition campaign in the cryptocurrency exchange sector this year.

    “This partnership represents a strategic inflection point for both the TON ecosystem and the broader exchange landscape,” said Tracy Jin, COO of MEXC. “By eliminating all typical entry costs into TON trading for a full month while simultaneously offering returns that outpace all competitors, we’re not simply running a promotion—we’re fundamentally changing how users engage with emerging Layer-1 ecosystems.”

    Campaign Transforms Market Access and Investment Returns

    The 30-day campaign introduces multiple disruptive elements that directly challenge other exchanges’ TON market dominance:

    • Zero-Fee Trading Structure: Complete elimination of fees on TON/USDT, TON/USDC, and TON/EUR spot pairs, TONUSDT futures, and all TON/USDE network withdrawals—removing traditional revenue mechanisms that have defined exchange business models.
    • Industry-Leading APR: New users can stake TON tokens to earn up to 400% APR, positioning the offering at 100 times higher than typical cryptocurrency staking returns and several hundred times above traditional banking products.
    • Democratized Trading Access: Zero-fee structure gives retail traders access to the same economics previously available only to professional and institutional traders, significantly leveling the playing field.
    • Limited-Time, First-Come Allocation: High-yield staking pools operate on a first-come, first-served basis with participants limited to 250 TON tokens per user, creating immediate urgency for early participation.

    The campaign also includes passive rewards of up to 8% daily APR for USDE holders, spot trading rewards from a pool of 32,500 TON, and a futures trading competition with 100,000 USDT in bonuses.

    TON Ecosystem Expansion and Infrastructure Advancement

    This partnership is pivotal for The Open Network, which continues to gain momentum through its connection to Telegram’s 900+ million users and growing developer ecosystem.

    The collaboration represents a significant leap forward in TON’s accessibility and adoption curve. By drastically reducing barriers to entry while providing exceptional incentives, the campaign accelerates the integration of new participants into the TON ecosystem, coinciding precisely with the network’s rapidly expanding technical capabilities and use cases.

    The campaign also showcases MEXC’s platform capabilities, demonstrating advanced infrastructure that can handle zero-fee trading across multiple markets simultaneously while managing high-volume staking operations with variable APR structures.

    Time-Sensitive Opportunity with Global Access

    The $1 million in rewards is available exclusively during the 30-day window, with certain high-value components like the 400% APR staking pool starting on May 21th and operating on a capped allocation basis.
    MEXC has created a streamlined onboarding process that allows new users to complete registration and KYC verification in minutes, with the campaign accessible to eligible participants globally through both web and mobile interfaces.

    About MEXC
    Founded in 2018, MEXC is committed to being “Your Easiest Way to Crypto.” Serving over 40 million users across 170+ countries, MEXC is known for its broad selection of trending tokens, everyday airdrop opportunities, and low trading fees. Our user-friendly platform is designed to support both new traders and experienced investors, offering secure and efficient access to digital assets. MEXC prioritizes simplicity and innovation, making crypto trading more accessible and rewarding.
    MEXC Official Website| X | Telegram |How to Sign Up on MEXC

    About TON
    The Open Network (TON) is a fully decentralized layer-1 blockchain designed for mass adoption. Originally conceived by Telegram and now developed by the open TON Community, the network offers exceptional scalability, accessibility, and ease of use.

    Risk Disclaimer:
    The information provided in this article regarding cryptocurrencies does not constitute investment advice. Given the highly volatile nature of the cryptocurrency market, investors are encouraged to carefully assess market fluctuations, the fundamentals of projects, and potential financial risks before making any trading decisions.

    Source

    Contact:
    Lucia Hu
    lucia.hu@mexc.com

    Disclaimer: This is a paid post and is provided by MEXC. The statements, views, and opinions expressed in this content are solely those of the content provider and do not necessarily reflect the views of this media platform or its publisher. We do not endorse, verify, or guarantee the accuracy, completeness, or reliability of any information presented. We do not guarantee any claims, statements, or promises made in this article. This content is for informational purposes only and should not be considered financial, investment, or trading advice. Investing in crypto and mining-related opportunities involves significant risks, including the potential loss of capital. It is possible to lose all your capital. These products may not be suitable for everyone, and you should ensure that you understand the risks involved. Seek independent advice if necessary. Speculate only with funds that you can afford to lose. Readers are strongly encouraged to conduct their own research and consult with a qualified financial advisor before making any investment decisions. However, due to the inherently speculative nature of the blockchain sector—including cryptocurrency, NFTs, and mining—complete accuracy cannot always be guaranteed. Neither the media platform nor the publisher shall be held responsible for any fraudulent activities, misrepresentations, or financial losses arising from the content of this press release. In the event of any legal claims or charges against this article, we accept no liability or responsibility. Globenewswire does not endorse any content on this page.

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    A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/81cfe77f-6144-467b-8410-8e577b84fbb9

    The MIL Network –

    May 22, 2025
  • MIL-OSI Economics: South Korea spent $222 billion on defense from 2021 to 2025, reveals GlobalData

    Source: GlobalData

    The rising tensions with North Korea, coupled with China’s increasing assertiveness, have necessitated South Korea to bolster its military capabilities and readiness. These strategic enhancements include investments in advanced weapons systems, military preparedness, and fortification of cybersecurity infrastructure. In light of these developments, the country has allocated $222 billion for the period from 2021 to 2025, according to GlobalData, a leading data and analytics company.

    GlobalData’s latest report, “South Korea Defense Market Size and Trends, Budget Allocation, Regulations, Key Acquisitions, Competitive Landscape and Forecast, 2025–30,” reveals that as part of its modernization drive, the country has undertaken significant acquisitions, including the KF-21 Boramae Multirole Aircraft, the K239 Chunmoo Multiple Rocket Launch System, and the K9 Self-Propelled Artillery Systems. Notably, all these military platforms are indigenously manufactured.

    Akash Pratim Debbarma, Aerospace & Defense Analyst at GlobalData, comments: “Over the years, South Korea has successfully diminished its reliance on imports and enhanced the capabilities of its armed forces through the indigenous development of several advanced military systems. The country’s allocation of funds toward acquisition and research, development, testing, and evaluation (RDT&E) underscores its commitment to addressing the evolving security challenges within the region.”

    The successful flight of the KF-21 prototype by Korea Aerospace Industries (KAI) in 2022 marks a significant stride toward self-reliance in combat aircraft production. While the induction of the KF-21 is slated for 2028, it is expected to considerably enhance South Korea’s aerial combat capabilities with advanced onboard avionics and near-stealth performance.

    Debbarma concludes: “As North Korea continues its nuclear-capable missile tests, South Korea remains steadfast in enhancing its deterrence strategies, bolstering its air, naval, and missile defense capabilities. However, South Korea is still mainly dependent on the 28,500 US troops to maintain a credible deterrence against potential hostilities from North Korea.

    “With looming uncertainties about the continuance of its reliance on US support following Trump’s return to office, South Korea will likely redirect most of its defense budgets into indigenization efforts. While supporting its armed forces, South Korea will also try to achieve economy of scale to keep the cost down for its domestic defense systems by exporting them to its allies worldwide.

    MIL OSI Economics –

    May 22, 2025
  • MIL-OSI Economics: MPTS 2025 celebrates largest edition ever with record visitor numbers, reveals MBI, a GlobalData company

    Source: GlobalData

    The UK’s most powerful hub for the creative industries united for two days of engaged networking, passionate debate and exceptional insights into AI, the creator economy, production craft and more – helping attendees stay ahead-of-the-curve for the year ahead.

    London, United Kingdom, 21 May 2025 – After two exceptional days of conversation, collaboration and community, the biggest and buzziest MPTS yet welcomed a record 13,000 attendees from 50 countries, uniting the UK’s media and entertainment industry together in the heart of London, like never before. The exhibition is organized by Media Business Insight (MBI) Ltd, a GlobalData company.

    Hosted at London’s Olympia on 14-15 May, the red-hot editorially driven program delivered 100+ free-to-attend sessions across eight theatres, showcasing the insight and passion of more than 350 expert speakers and guest keynotes. The bustling show floor was packed with more than 300 exhibitors and sponsors, showcasing imagination, determination and standout talent of the UK’s creative and technical communities – at a time of both global challenge and immense opportunity.

    Setting the agenda for MPTS, a State of the Nation Production keynote outlined a media and entertainment landscape in which storytellers had to embrace screens, formats and creators of all kinds.

    Kate Beal, CEO, Woodcut Media, asserted: “TV doesn’t exist anymore in the way we knew it.”

    Derren Lawford, CEO, Dare Pictures, said: “We are in the middle of a decade of profound transition, and we are past the tipping point. TV is part of a wider, connected series of industries around the creation and distribution and funding of content.”

    Headliners at MPTS include:

    • Producer and presenter Ross Kemp, who took us on an exhilarating tour of investigative documentaries on the front lines of conflict, drug cartels and organised crime gangs. “They will know in a second if you are not telling the truth,” he said. “I specialize in telling the truth, it is as simple as that.”
    • Georgie Holt, whose company Flight Story produces the world’s second biggest podcast ‘Diary of a CEO’, declared: “We are in the era of the Founder Creator — creators who are now in charge of media content and able to monetise spectacularly outside of traditional gatekeepers.”
    • NFL professional turned American Football broadcaster Jason Bell explained how sports coverage was evolving into the F1 Drive To Survive model, in which athlete personalities and back stories were the keys to growing audiences.
    • Blockbuster editor Eddie Hamilton gave a masterclass about the precision involved in making Top Gun: Maverick and five Mission: Impossible movies with Tom Cruise. He said: “Every nuance is refined hundreds of times. Sometimes we watch a 10-minute scene 40 times in a day, checking to see where your eye is moving in the frame.”

    Diverse representation is a vital sign of the industry’s health and MPTS is proud to set the benchmark to secure equal representation and attendance from the next generation, not only across the program, but also something clearly witnessed across the show floor amongst exhibitors and attendees.

    MPTS also prioritizes the crucial importance of sustainability and, in continuing association with BAFTA albert brought this conversation to the fore with experts including Peter Okell, Sky Studios Elstree; Luke Seraphin, Sky Studios and Claire O’Neill, A Greener Future speaking in the Sustainability Series.

    Sam Street, Marketing Officer, BAFTA Albert commented: “MPTS is a really key moment in our calendar. It is always so great to connect with suppliers, companies, studios and creatives who share our common passion for sustainability within screen industries. It has also been really valuable to curate our sustainability series of panels across this year’s show, we’ve had some really insightful discussions and emphasised the importance of environmental focus throughout the screen industries.”

    We did not need a machine to predict the high demand for news and information about AI. The brand-new ticketed AI Training program and the expanded AI Media Zone drew exceptional attendance, with exhibitors such as Dot Group, Moments Lab and Software. Conversations in these packed-out sessions revolved around the impact of AI from ideation to VFX, featuring real-world insights and discussions on bridging the gap between theory and practice from speakers including Pete Archer, BBC; Jon Roberts, ITN and Damien Viel, Banijay Entertainment.

    With a record number of exhibitors already rebooking for 2026, MPTS continues to prove its value as the UK’s number one event for media and production professionals, where brands, creatives and decision-makers come together to connect, collaborate and grow.

    Jane Shepard, Senior Channel Marketing Manager, Sandisk, said: “MPTS 2025 was a spectacular showcase of innovation, bringing together the brightest minds and cutting-edge technology in the industry. An unforgettable experience for all attendees.”

    Tom Rundle, Application Engineer, Yamaha Music, said: “It has been very busy for us. We have seen a huge mix of customers from the broadcast sector here, but also customers from the other industries which we serve, whether that’s live or theatre who have deliberately come to the show to seek us out to speak to us. Will we be back next year? Yes, absolutely, this is the first year for us, so it was always a bit of a toe in the water, but it’s been vastly more successful than we thought it was going to be.”

    Peter Alderson, Business Manager, Nikon, said: “This is our second year at MPTS, we’ve gone a little bit bigger on our stands, almost doubling it, and I think it’s definitely been worthwhile doing. We’ve partnered with RED, who we recently purchased, and MRMC so it’s making a lovely statement about where we are in the market, and I think we’re in the right place to make that statement here at MPTS.”

    Jennifer Hudson, Marketing Executive, Videndum, said: “This show is really important in our calendar – we attend nearly every year and find so much value in it. We get to meet with so many different professionals within the industry, and this year has been really, really positive for us. We’ve walked away with quite a few leads and made new relationships. It’s a fantastic show, and we would thoroughly recommend anyone thinking about coming and having a stand here to definitely do it – you won’t regret it.”

    Will Pitt, Head of Sales Solutions, Techex, said: “My impression of the show is that it’s been incredibly busy and very positive. Techex particularly specialise in solving some of the headaches that a lot of the broadcast industry is grappling with at the moment, namely, how they transition into an IP-led architecture from a legacy architecture and what that journey looks like. As such, our standards have been packed pretty much throughout the show to come and look at products, but also to come and talk about ideas and lean into what that journey looks like specifically for them. So not a generic journey, but specific to their drivers and their wants and needs in the short and medium term. We particularly like MPTS because it’s London based and many of the engineers that we speak to and collaborate with are based here and therefore it’s an easy journey for them to take half a day, a day out to come and investigate what we have to offer, but also to have those conversations. And so for organisations like WBD or Sky, the BBC, ITV, etc. They can come here quite easily and engage with us, spend some time talking in real life and not over teams or Zoom.”

    Charlotte Wheeler, Event Director, MPTS said: “Without doubt, 2025 was the most stimulating, ahead-of-the-curve MPTS yet. At a time when we are seeing the industry under real pressure from budget cuts to talent shortages and perpetual change, the conversations and connections on the show floor were positive and demonstrated infectious community spirit. The level of attendance and the quality of attendees from across all sectors of the industry was incredible – not just stakeholders in technology but representatives from production and commissioning, the creator economy, those new to the industry and freelancers were all brought together by MPTS under one roof.

    “A huge amount of work goes into making sure that there is equal representation across our extensive conference programme. I am proud that MPTS is one of – if not the – most diverse shows both in terms of attendees and panellists.

    “Thank you to everyone for exhibiting, sponsoring, speaking, attending and engaging with the show to make MPTS such a thrilling success. We are already planning for 2026, which marks MPTS’ 10th edition, so look forward to a landmark celebration!”

    Save the date for MPTS 2026 when we return to Olympia Grand Hall, London on 13 – 14 May 2026.

    The conversation does not stop when the doors close. MPTS is more than just two days a year – it is a connected, year-round community for the broadcast and media industry. From on-demand content to exclusive events, there’s still so much to explore. Stay connected with us: https://www.mediaproductionshow.com/register-interest

    To enquire about exhibiting at our landmark 10th edition, please go to: https://www.mediaproductionshow.com/stand-enquiry

    MBI is the publisher of market-leading titles including Broadcast, Broadcast Sport, Broadcast Tech, KFTV, The Knowledge and Screen International.

     

    MIL OSI Economics –

    May 22, 2025
  • MIL-OSI Economics: US VC funding more than doubles to $89 billion YoY during January-April 2025, finds GlobalData

    Source: GlobalData

    US VC funding more than doubles to $89 billion YoY during January-April 2025, finds GlobalData

    Posted in Business Fundamentals

    The venture capital (VC) landscape in the US has demonstrated remarkable resilience and growth in funding value in early 2025, despite a slight decline in deal volume. Between January and April 2025, the US recorded a modest decrease of around 4% in VC deal volume compared to the same period in 2024. Despite the fall in volume, the total funding value of these deals more than doubled to reach $89 billion during January-April 2025, according to GlobalData, a leading data and analytics company.

    An analysis of GlobalData’s Deals Database revealed that the total VC funding value in the US was up by a massive year-on-year (YoY) growth of 151% during January-April 2025.

    Aurojyoti Bose, Lead Analyst at GlobalData, comments: “Despite the dip in deal volume, the surge in deal value indicates a strong appetite for larger investments in the US market. And this trend is likely to continue as investors seek to capitalize on high-potential startups.”

    The US continues to account for a significant share of global VC funding, maintaining its position as the top market in terms of both deal volume and value. However, the dominance in terms of value has now become even more pronounced with the massive surge in funding value.

    The US accounted for around 30% of the total number of VC deals announced globally during January-April 2025, while its share of the corresponding value stood much higher at around 70% compared to around 45% during January-April 2024.

    In contrast, other major markets such as China and the UK experienced double-digit declines in deal volume. Moreover, China saw its VC funding value also register a staggering drop of around 50% YoY during January-April 2025. This trend highlights the US’ unique position as a resilient market, attracting big investments even as some other key markets face challenges.

    The US continues to attract big-ticket investments, particularly in the technology sector. Start-ups focusing on technology-driven solutions, particularly in areas such as artificial intelligence (AI), are gaining significant investor traction.

    Some of the notable VC funding deals announced in the US during the first four months of 2025 include $40 billion secured by OpenAI, $3.5 billion raised by Anthropic, and $3 billion raised by Infinite Reality, among others.

    Note: Historic data may change in case some deals get added to previous months because of a delay in disclosure of information in the public domain

    MIL OSI Economics –

    May 22, 2025
  • MIL-OSI Global: Rethinking engineering education: Why focusing on learning preferences matters for diversity

    Source: The Conversation – USA – By Sharon Tettegah, Professor of Creative Studies, University of California, Santa Barbara

    Retention and recruitment efforts designed to boost diversity in engineering programs often fall short of their goals. gorodenkoff/Getty Images

    For decades, colleges, government agencies and foundations have experimented with recruitment and retention efforts designed to increase diversity in engineering programs.

    However, the efforts have not significantly boosted the number of women, students of color, individuals with disabilities and other underrepresented groups studying and earning degrees in STEM and engineering fields.

    Latino, Black, Native American and Alaska Native students are underrepresented among science and engineering degree recipients at the bachelor’s degree level and above. The groups are also underrepresented among STEM workers with at least a bachelor’s degree.

    Women are also underrepresented in the STEM workforce and among degree recipients in engineering and computer and information sciences.

    I study equity and social justice in STEM learning. In my recent study, I found that more students from diverse backgrounds could excel in engineering programs if course content were tailored to a wider variety of learning preferences.

    Why it matters

    Focusing on learning preferences could boost diversity in engineering courses and careers.
    Morsa Images/Getty Images

    During my time as a program officer at the National Science Foundation, an independent federal agency that supports science and engineering, I reviewed plenty of research focused on broadening participation and diversifying student enrollment in STEM fields.

    Progress can stall on efforts to boost diversity because college instructors do not consider the synergistic relationship between the content and the learner.

    Teachers are the mediators, and it is students’ experiences with the curriculum that matter.

    It was long a common belief that students have different learning styles. These included kinesthetic, learning through hands-on experiences and physical activity; auditory, learning by listening to information; and visual, learning by seeing information.

    More recent research does not support the idea that teaching students according to their learning style leads to improved learning.

    That’s why I prefer the term “learning preferences” rather than learning styles. We all have preferences – whether for ice cream flavors, home decor or how we receive information, including how we learn.

    Learning preferences are broader and more flexible, allowing multiple ways of engaging with content.

    For example, let’s say a teacher always presented equations in a classroom and the student just could not get it. However, it was the only way the information was presented. To the individual learner, they have failed. Some people would say, “These kids can’t learn,” and subsequently counsel the student out of the class.

    Then, years are spent repeating the same cycle.

    Students should have opportunities to connect with engineering content in multiple ways.
    10’000 hours/Getty Images

    However, educators can broaden their viewpoints if they look at the students as customers. If a customer is shopping for a shirt, they look for one that catches their eye. Ultimately, they find one they like.

    Instructors need to take the same approach when trying to help students understand what is happening in class. For instance, if I have trouble with equations, I should be provided with options to engage with the lesson in ways that align with my learning preferences.

    What’s next?

    Learning styles have been heavily researched. However, content preferences have not been well explored.

    In a truly democratic education system, curriculum design should reflect the voices of all stakeholders and not just those in positions of power, namely instructors.

    Using data mining and artificial intelligence, educators have a variety of options for creating content for the various preferences a learner may want or need. For example, if a student prefers other representational content, such as word problems, graphics or simulations, AI can create diverse representations so that the learner is exposed to a variety of representations.

    I argue that future studies need to consider the use of technologies such as adaptive learning applications to understand students’ learning preferences.

    Prioritizing diverse learning perspectives in STEM could help create a more inclusive and responsive learning environment.

    The Research Brief is a short take on interesting academic work.

    Sharon Tettegah received funding from the National Science Foundation for this work. Award Abstract # 1826632
    Coordinating Curricula and User Preferences to Increase the Participation of Women and Students of Color in Engineering

    – ref. Rethinking engineering education: Why focusing on learning preferences matters for diversity – https://theconversation.com/rethinking-engineering-education-why-focusing-on-learning-preferences-matters-for-diversity-251095

    MIL OSI – Global Reports –

    May 22, 2025
  • MIL-OSI United Kingdom: Flies, crossbows and comics: novel counter terrorism innovation

    Source: United Kingdom – Executive Government & Departments

    Case study

    Flies, crossbows and comics: novel counter terrorism innovation

    Nine projects, ranging from whether flies can detect explosives to how comics can reduce radicalism and how much of a risk crossbows are, were showcased.

    More than 100 people attended the third University Innovation Concept event exploring ways in which cutting-edge research, often in unexpected areas, can help fight terrorism. 

    Nine fascinating and thought-provoking projects, ranging from whether flies can detect explosives (yes!) to how comics can reduce radicalism, and how much of a terrorism risk crossbows are, were on display at a showcase at the Open University in Milton Keynes, in which the Accelerated Capability Environment (ACE) was a proud partner. 

    Researchers and delegates were welcomed by Inspector Liam Cahill, Innovation Domain Lead at the Counter Terrorism Research Lab (CTRL), and Open University professors Arosha K Bandara and Eleanor Crabb. Annette Southgate, Head of ACE, then took to the stage to stress the importance of work and innovative collaboration such as this to “getting ahead of some of the people that are trying to cause us harm”. 

    Iain Harrison, Director of Digital, Data, Analysis & Technology at Counter Terrorism Policing, explained the rigorous process, supported by ACE, that began with 62 proposals from 28 different universities, which were then reviewed and whittled down to the nine stimulating ideas on display at the showcase event. 

    Bringing academia and Counter Terrorism Policing together 

    The projects that had been explored over 12 weeks of intensive research were showcased across three themes: 

    THEME ONE: Radicalisation and Interventions 

    First to present were a team from Anglia Ruskin University, on the topic of Exploring the Impact of Critical World Events on Extremist Misinformation Network (2020-24). This involved analysing 240 posts from four major platforms to understand how extremist groups exploit global crises on popular social media platforms, using hashtags and multiple forms of misinformation to amplify uncertainty and try and recruit new audiences. It also looked to pinpoint potential novel ways to intervene in this process. 

    Next up were a team from Cranfield University, analysing how social media content algorithms respond to user interactions within specific topics, to answer the question of Can Social Media Algorithms Radicalise? This pilot was designed to quantify if user behaviours such as watching or liking videos influenced a popular platform’s algorithm, and to what extent. The conclusion was that the algorithm could be influenced to provide more content around a particular theme, but it is not yet clear how long this influence lasts. 

    The final presentation in this first session was from the University of Liverpool, exploring the topic of Graphic Novels to Enable Discussion and Promote Critical Thinking. This project involved creating a 46-page book containing four graphic novels on the topic of radicalisation, supported by front-line intervention practitioners, for use in educational strategies to encourage critical thinking. Comics were chosen because they are already popular worldwide, accessible and engaging as a format, and cheap to produce. 

    THEME TWO: Current Threats, Biosensors and Human Networks 

    After a break, another team from Cranfield University, that had been drawing big crowds in the breakout sessions for the four crossbows on display at their stand, spoke on their research into Crossbows: A Real and Current Threat. Against a background of increasing use of crossbows, which can legally be bought by anyone over the age of 18, in targeted incidents, this set out to examine the hit probability and wounding potential of four different systems, their reload times, and how these compared to current policing response times. The conclusions, from a variety of tests including depth of penetration and discharge rate, concluded that crossbows need to be considered a real and present threat for a marauding terrorist attack, because all of those tested have potential to cause significant injury, especially to unprotected organs. 

    Next up was another project that had the audience buzzing – research from a team at The Open University on Fruit Fly Biosensors: Leveraging Olfactory Responses for Detection of Explosives and Toxic Chemicals. This explored if fruit flies, which have exceptional sensitivity, could be used as biosensors to detect toxins, drug precursors and explosives. The answer was potentially yes – experiments with TNT found that exposure to the explosive led to a gradual but clear increase in fly attraction, indicating that fruit flies can detect it. Preliminary lab data also suggests starving the flies may enhance TNT detection speed. 

    The final project in this session was an explanation of a Dynamic Target Indicator Tool (D-TinT) developed by a team at the University of Exeter. This uses techniques from movement pattern analytics and social network analysis to identify the best indicators of links between nodes in a human network based on movement patterns over time. This enables a statistical and spatial mathematical model to be developed. The Tool also identifies what might be flagged as a vulnerable target – either person or place – which could allow counter terrorism stakeholders to test the impact of possible risk-reduction procedures. 

    THEME THREE: Emerging Technologies 

    The final session of a highly enjoyable day started with a team from Robert Gordon University in Aberdeen talking the audience through their research on Leveraging Artificial Intelligence (AI) to Identify and Prevent Terrorism in Prisons: Legislative Gaps and Technological Solutions. This analysed AI’s role in situational awareness and radicalisation prevention, explored how it could support existing counterterrorism efforts, evaluated legal and ethical readiness for AI to be deployed in this way, and proposed technical and legal reforms to enable the responsible use of AI technologies in prison settings. The conclusion of the research was that AI offers significant potential to enhance security and counter-radicalisation efforts in UK prisons. 

    Next, a scoping study of Augmented Reality and Terrorism was presented by Dr Richard Jones of Edinburgh Law School, part of the University of Edinburgh. Billing augmented reality as a “technology in search of a purpose”, his research explored both potential law enforcement applications, such as head-up real-time navigation and facial recognition of persons of interest, as well as how terrorists could use the same technology, for example to create video footage for propaganda purposes. It also looked at how this technology could evolve in the public domain. The research concluded that feasibility factors include device cost and availability as well as the level of required technological expertise, which is likely to fall, in addition to utility and whether it solves a problem. 

    The final presentation of the day was by a team from the University of Southampton on Exploiting Vulnerabilities in Autonomous Vehicle Systems for Terrorist Activity – Threats to UK Critical National Infrastructure. This focused on identifying vulnerabilities in autonomous vehicle systems amid increasing reliance on connected and automated vehicles, analysing how terrorists could exploit these to disrupt or control them. This could include by hijacking the vehicle controls or causing collisions via manipulating road signs. The conclusion was that proactive risk mitigation is paramount. 

    Following the event, Inspector Cahill said: “The University Innovation Concept (UIC) was conceived with the intention of bringing Counter Terrorism Policing and academia closer together to ensure operational decisions made by experienced and knowledgeable personnel are backed by science and academic rigour. 

    “The one-day showcase was also a fantastic opportunity for attendees to network, learn about ongoing research and potentially take learning back to their operational roles, and feedback has been extremely positive.”  

    Reflecting on the event, Professor Southgate said: “ACE is proud to support policing colleagues find new and creative ways of solving frontline mission problems through partnership with researchers from across a diversity of backgrounds and institutions.

    “Accessing diversity of thought, approach and experience helps us step back and consider more impactful and enduring ways of tackling existing and sometimes long-standing problems. 

    “We are keen to help identify and shine a light on brilliant academic work that can already help solve today’s mission problems; highlighting the difference this makes, help build relationships and continue encouraging our talented academic community to support frontline policing work.”

    Updates to this page

    Published 21 May 2025

    MIL OSI United Kingdom –

    May 22, 2025
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