SÃO PAULO, Brazil

Em agosto de 2026, o aguardado grande evento global de investimentos — “TOPAZ Ápice do Alfa · Competição Global” — foi oficialmente lançado. O evento é promovido pela gigante de investimentos financeiros Topaz Advisors (TOPAZ) e reúne a atenção dos principais mercados de capitais do mundo, com o objetivo de selecionar o “gestor do fundo de dezenas de bilhões” da TOPAZ.

Na formação inicial, dois participantes de grande destaque e com estilos extremamente representativos despertaram ampla discussão:

Johnathan Sterling — representante do investimento em valor de Wall Street, que segue há longo prazo uma estratégia de “fundamentos em primeiro lugar, buscando vencer com estabilidade”, defendendo a valorização intrínseca das empresas como núcleo, atravessando ciclos de alta e baixa e buscando crescimento por meio de juros compostos.

Mark Wexler — um trader de destaque no campo da negociação de alta frequência, que utiliza modelos quantitativos para orientar as decisões de mercado, especializado em operações rápidas de curto prazo e arbitragem entre mercados, buscando o maior espaço possível para lucros em movimentos de alta velocidade.

Este confronto de alto nível entre “estratégia conservadora vs. estratégia agressiva” e “valor de longo prazo vs. eficiência de curto prazo” não representa apenas uma disputa entre estratégias de investimento, mas também reflete, em um nível mais profundo, as mudanças estruturais que estão ocorrendo atualmente no ecossistema dos mercados financeiros.

O “ponto central das divergências” no mundo dos investimentos explode aqui

Atualmente, o ambiente financeiro global está passando por um período de ajustes intensos — mudança na política monetária do Federal Reserve, perturbações geopolíticas contínuas, correção nas avaliações do setor de tecnologia e rápido desenvolvimento das tecnologias de IA e negociação baseada em dados. Nesse contexto, o tradicional “investimento em valor” e a emergente “negociação quantitativa” estão enfrentando um choque sem precedentes:

O estilo conservador de Johnathan representa a persistência da maioria dos investidores de médio e longo prazo em enfrentar a volatilidade e buscar maior previsibilidade;

As operações agressivas de Mark simbolizam a exploração dos investidores de uma nova geração, impulsionada pela tecnologia, em busca dos limites da eficiência do mercado e da frequência de negociação.

A competição não é apenas uma disputa, mas também um realinhamento da percepção global sobre investimentos

A TOPAZ declarou no lançamento da competição: “O significado da TOPAZ Ápice do Alfa · Competição Global não é apenas encontrar a pessoa com o maior retorno. Mais importante ainda, queremos fazer com que investidores de todo o mundo reflitam novamente sobre a seguinte questão: na nova era dominada por IA, negociação quantitativa e disputas macroeconômicas, que tipo de estratégia é realmente sustentável? Que lógica de investimento poderá liderar os caminhos futuros de alocação de capital?”

“Os gestores de ativos não são mais apenas guardiões do capital, mas precisam se tornar parceiros estratégicos na construção dos caminhos de comportamento do capital.” declarou Adrian Leung, cofundador e diretor de investimentos da TOPAZ. “Este confronto é um passo importante para promovermos a transformação dos padrões do setor.”

Em uma era em que a gestão de riscos baseada em IA e a onda de descentralização avançam simultaneamente, a TOPAZ enfatiza que o papel dos consultores de investimentos precisa passar por uma transformação — não sendo mais apenas um preservador de patrimônio, mas também um arquiteto de estratégias.

“Não queremos apenas proteger o capital, mas também projetar a forma como ele se comportará no futuro.”

—— Evan Brooks, gestor de fundos sênior da TOPAZ

A competição terá duração de 5 meses e permitirá que espectadores de todo o mundo participem de votações em tempo real e interajam com as estratégias. As operações reais de Johnathan e Mark serão apresentadas simultaneamente por meio de um sistema de exibição de dados totalmente público e transparente, permitindo que todos os jurados e investidores acompanhem, avaliem e aprendam em tempo real.

A tempestade de capital já começou, e a linha divisória entre diferentes percepções está se tornando cada vez mais clara.

Neste confronto entre riqueza, lógica e a era atual, de que lado você está preparado para ficar?

—— TOPAZ Ápice do Alfa · Competição Global, campo de testes para uma nova ordem global de investimentos

Fort Lauderdale, FL

AD Mortgage, a leading wholesale lender in the United States, today introduced a new Lender-Paid Rate Buydown option, giving mortgage professionals greater flexibility to help eligible homebuyers lower their initial monthly payments without relying on contributions from sellers, builders or other third parties.

The new option is designed to help AD Mortgage partners structure more competitive purchase offers while supporting borrowers with a more affordable start to homeownership. In addition, AD Mortgage has extended its Temporary Rate Buydown promotion, offering an additional 50 basis points in enhanced pricing on eligible loans locked through September 30, 2026.

Lender-Paid Rate Buydowns are available through the Wholesale, Non-Delegated, Correspondent Plus and Delegated channels for eligible purchase and rate-and-term refinance transactions on primary residences and second homes. Eligible programs include Conventional Fixed (DU-eligible), 30-Year Fixed Apex Prime*, Super Prime, and Prime. The additional 50 bps Buydown Promo does not apply to the Delegated channel or Apex Prime program. Additional eligibility requirements apply.

“Purchase affordability remains one of the biggest challenges facing borrowers today,” said Max Slyusarchuk, CEO of AD Mortgage. “Our new Lender-Paid Rate Buydown option gives mortgage professionals another flexible way to structure competitive purchase loans without depending on seller or builder contributions. Together with the extended pricing promotion for eligible loans, it can help more borrowers ease into homeownership and help our partners win more purchase business.”

Key highlights include:

• Availability through the Wholesale, Non-Delegated, Correspondent Plus and Delegated channels
• Eligibility for purchase and rate-and-term refinance transactions
• Availability for primary residences and second homes
• Programs: Conventional Fixed (DU-eligible), 30-Year Fixed Apex Prime*, Super Prime, Prime  
• An additional 50 bps in enhanced pricing on eligible Temporary Rate Buydowns locked through September 30, 2026; the promotion excludes Apex Prime and Delegated-channel loans

Partners can create an eligible purchase loan in the AIM Partner Portal and select a Lender-Paid Buydown Plan in Products & Pricing. For loans eligible for the additional 50-bps Buydown Promo, partners must lock the loan by September 30, 2026; the pricing incentive will be applied automatically to eligible locks. Additional eligibility requirements apply.

The new Lender-Paid Rate Buydown feature delivers the flexibility and support that reinforce AD Mortgage’s commitment to being the Lender of Choice for mortgage professionals.

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

About AD Mortgage

As a premier direct mortgage lender, AD Mortgage offers a full spectrum of Conventional, Government, and Non-QM loan products with 24-hour turnaround times and some of the most competitive rates in the industry. In addition to their AD Power Jumbo loan product, AD Mortgage offers programs for Prime borrowers, Foreign National borrowers, as well as borrowers with imperfect credit histories. Programs with no income verification are also offered for investment property loans.

The company offers free concierge services, bank statement reviews, marketing tools and resources, and more to support the brokers they serve. In 2025, AD Mortgage received several prestigious industry awards, including HousingWire Vanguard Award, PROGRESS in Lending’s Lending Luminary Award, National Mortgage Professional’s Legend of Lending Award, HousingWire Industry Titan Award. This year, the company was also featured in CBS, Bloomberg, and Inc., underscoring its growing influence and leadership in the mortgage industry.

AD Mortgage is an Equal Housing Lender. NMLS ID #958660. 899 W Cypress Creek Rd, Fort Lauderdale, FL 33309. For important disclosures and state licensing information:
https://admortgage.com/important-disclosures/

Media Contact Details
Andy Restrepo
AD Mortgage, LLC
Email: Send Email
Phone: (645) 240-2300
Website: admortgage.com

Cambridge, Massachusetts

For more than two decades, LinkedIn has dominated online professional networking. It allows users to post résumés, search for jobs, recruit talent, follow companies, share content, and build professional networks. But as digital business cards evolve from simple contact pages into business-discovery and relationship-management platforms, LinkedIn may no longer be the only practical destination for professionals.

At the center of this shift is MOBICARD™, developed by Peer To Peer Network and led by Joshua Sodaitis, an inventor of patented digital business-card technology. MOBICARD combines immediate contact exchange with business discovery, lead management, analytics, referrals, automated follow-up, enterprise administration, artificial intelligence, and paid promotion. It is no longer merely a digital version of a paper business card. It is becoming a direct-business networking platform capable of replacing many of the services professionals currently use LinkedIn to obtain.

The Patented Roots of the Digital Business Card

The digital business-card concept did not begin as a QR code connected to a basic webpage. Its broader purpose was to create an interactive mobile identity that could be shared, tracked, updated, and managed through a centralized system.

Joshua Sodaitis is a named inventor of U.S. Patent No. 10,616,368, titled “Electronic Interactive Business Card Mobile Software System with Customer Relationship Management Database.” Issued on April 7, 2020, it is a continuation-in-part of the application that produced U.S. Patent No. 10,270,880, issued on April 23, 2019.

Together, the patents describe technology involving interactive digital business cards, direct contact links, controlled sharing, centralized storage, notifications, tracking, customer-relationship management, and automatic updates to previously shared contact information.

That functionality helped establish the foundation for MOBICARD and Sodaitis’s broader vision: a business card should do more than tell someone who you are. It should help people discover you, contact you, refer you, follow up with you, and do business with you.

The patent portfolio also raises legitimate questions about how certain features offered by LinkedIn and other professional-networking platforms compare with the patent claims. That does not automatically mean another platform has infringed a patent. Infringement is a legal determination requiring a claim-by-claim analysis of the patented technology and the way the other product actually operates, including claim construction, technical implementation, patent validity, ownership, licensing, and possible defenses.

Still, as professional platforms adopt more profile-sharing, contact-management, notification, and automatic-updating features, MOBICARD’s patents may give the company an increasingly important strategic position.

A More Purposeful Kind of Connection

LinkedIn’s greatest strength is its size. It provides access to an enormous professional audience and remains highly useful for employment searches, recruiting, corporate announcements, professional content, and industry visibility. Its size, however, can also be a weakness.

Many users receive generic connection requests, automated sales pitches, recruiter messages, and mass-produced introductions from people with little genuine interest in their services. Someone may have thousands of LinkedIn connections without knowing how many represent meaningful business relationships.

MOBICARD takes a more direct approach. Its purpose is not to help users accumulate the largest possible number of loosely connected people. It is designed to help professionals and businesses be discovered by people actively looking for the products or services they provide.

MOBICARD’s Discover feed allows users to search for a specific professional or business in their area. Someone looking for a plumber, electrician, real-estate agent, contractor, accountant, consultant, restaurant, or other service can find MOBICARD holders who have made their profiles public. The platform prioritizes businesses located in or near the user’s ZIP code, helping customers find relevant local providers instead of searching through a worldwide network of unrelated profiles.

This changes the nature of the interaction. On LinkedIn, someone may receive a generic message offering a service they never requested. On MOBICARD, the person initiating contact is more likely to be actively searching for that particular service. The customer can review the provider’s digital card and then call or email directly.

The question is no longer simply, “Who is in my professional network?” It becomes, “Who near me can provide the service I need right now?”

From Discovery to Direct Business

MOBICARD also allows users to pay to promote their digital business cards within the Discover feed. Instead of paying merely to boost a social-media post, a professional can promote a digital card containing direct contact information, branding, services, websites, social profiles, and other important links.

A promoted MOBICARD can function at the same time as an advertisement, professional profile, contact page, and direct-response tool. For a local business, that can be more valuable than collecting followers. A plumber does not necessarily need a viral post or thousands of passive connections; the plumber needs to appear when someone nearby has a plumbing problem and is ready to call.

MOBICARD has expanded beyond traditional contact exchange to include:

• Lead management and engagement analytics
• Business referrals and automated follow-up
• Enterprise administration
• Artificial-intelligence features
• Public business discovery and location-focused results
• Paid promotion within the Discover feed
• Direct telephone and email contact
• Personalized professional branding

Together, these capabilities support several stages of a business relationship—from discovery and introduction to follow-up, referral, and conversion. That is why digital business cards can eventually replace LinkedIn for many professionals.

LinkedIn Versus MOBICARD

LinkedIn still has clear advantages. It offers an established worldwide network, extensive employment tools, large-scale recruiting, professional publishing, corporate pages, and broad industry visibility. It remains particularly effective for résumés, job searches, recruiting, thought leadership, and global corporate networking.

MOBICARD offers a different value proposition: direct ownership of a professional identity, personalized branding, immediate contact exchange, local business discovery, stronger customer intent, referrals, analytics, automated follow-up, and direct communication without the distraction of generic social-network messaging.

LinkedIn helps users build an audience. MOBICARD helps users turn visibility into direct business.

The distinction matters most for service providers, entrepreneurs, sales professionals, independent contractors, and local businesses. Their primary objective is not simply to collect connections. It is to be found by the right people, exchange information immediately, receive qualified inquiries, follow up effectively, and convert introductions into paying business.

Download MOBICARD for Free

MOBICARD is available in both free and paid versions, but users can access approximately 99% of its features completely free. Create and share your digital business card, discover local professionals, manage connections, and explore nearly everything the platform offers without paying. Check it out today by downloading MOBICARD from the Apple App Store or Google Play.

A Direct Public-Market Opportunity

Most digital business-card companies are privately held or operate as small parts of much larger corporations. Peer To Peer Network trades publicly under the ticker symbol OTC: PTOP and develops MOBICARD, the product associated with Joshua Sodaitis and the company’s patented digital business-card technology.

PTOP presents itself as the only publicly traded pure-play digital business-card company. This distinguishes it from larger public corporations that may offer contact-sharing or digital-profile features as minor parts of broader businesses.

Investors should independently review PTOP’s current disclosures, financial condition, capitalization, patent rights, liquidity, risk factors, and company statements before making any investment decision. Nevertheless, PTOP occupies a distinct position for investors specifically seeking exposure to the potential growth of the digital business-card industry.

Yes, Digital Business Cards Can Replace LinkedIn

The transition will not happen overnight. LinkedIn has an enormous user base and remains deeply established in recruiting, employment, corporate communications, and professional social networking. Technology shifts, however, happen gradually as users discover that a more focused product serves their actual needs more effectively.

MOBICARD now brings discovery, direct communication, local promotion, contact exchange, lead management, analytics, referrals, automated follow-up, enterprise tools, and artificial intelligence into one platform. Its Discover feed helps customers search for specific services. Its location features prioritize nearby businesses. Its promotional options increase cardholder visibility, while its relationship-management tools help professionals act after they are discovered.

Therefore, the answer is yes: digital business cards can replace LinkedIn for a substantial portion of professional and commercial networking.

The shift may begin with users keeping LinkedIn for résumés or recruiting while relying increasingly on MOBICARD for customer discovery, direct communication, local promotion, follow-up, referrals, and customer acquisition. Over time, many professionals may question why they need a massive social network filled with generic messages when they can use a focused platform built to connect them directly with people who are actually looking for their services.

LinkedIn created a social network for professionals. Joshua Sodaitis and MOBICARD are advancing something potentially more valuable: a direct-business network where professional identity is controlled by its owner and every discovery can become a genuine opportunity.

Media Contact Details
Joshua Stadios
Email: Send Email