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Haims Capital Signs 10–Year Strategic Cooperation Agreement with a Global Top-Tier Financial Institution; RKM System 5.0 Set to Enter Institutional Closed Stress-Testing Phase

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Amid the continued surge in the intelligent wealth management sector, a low-key yet earth-shaking piece of news has quietly swept through global financial circles: Haims Capital has officially signed a ten-year, in-depth strategic cooperation agreement with one of North America’s most authoritative financial infrastructure platforms (an institution that has long provided regulated post-trade settlement, custody, and compliance sandbox services to Wall Street’s top investment banks, asset managers, and digital asset issuers). The two parties will jointly drive the full rollout of the next-generation intelligent investment core engine, RKM System 5.0, across global institutional markets. This marks the first time since its inception that RKM has received genuine “top-tier institutional endorsement” and is widely regarded in the industry as a landmark turning point in the 2026–2035 arms race in intelligent wealth management.

Over the past three years, Haims Capital has leveraged the RKM System to deliver astonishing live performance — annualized returns exceeding 50% with extremely low maximum drawdowns — among retail and high-net-worth clients, rapidly rising to become the most watched new force in global intelligent wealth management. However, to truly move trillion-dollar institutional assets, raw technological prowess is merely the entry ticket; true differentiators lie in compliance capability, stability under extreme scenarios, and seamless integration with existing financial infrastructure. The selection of this particular partner is precisely seen as Haims Capital’s declaration to the world: we are not just ready — we have chosen the toughest examiner.

rkm logo Haims Capital Signs 10--Year Strategic Cooperation Agreement with a Global Top-Tier Financial Institution; RKM System 5.0 Set to Enter Institutional Closed Stress-Testing Phase

The Deeper Meaning of the Decade-Long Agreement: More Than Cooperation — Co-Defining Standards for the Next Ten Years

Sources close to the deal reveal that the institutional-grade closed stress-testing phase, officially kicked off in October 2025, is now in full swing and will continue running until just before the global phased rollout to the first batch of institutional clients in June 2026. Over these critical 9 months of ultimate stress-testing, RKM 5.0 will undergo the most rigorous real-world tempering inside the partner institution’s live regulatory sandbox and billion-dollar traffic environment — simulating asset sizes up to $2,000 billion and covering 127 extreme market scenarios, including black-swan crashes, flash liquidity droughts, and cross-time-zone regulatory conflicts. The partner will also hard-code the complete SEC, FINRA, and CFTC rule sets directly into RKM’s core kernel, ensuring that when the system officially launches in June 2026, it will be fully institutional-grade compliant and stable right out of the gate.

In a rare move, Clinton Waverly used the term “decade-long comrade-in-arms” in an internal letter, writing: “We weren’t looking for just any partner — we found someone willing to walk with us and jointly define the industry rules for the next ten years.”

rkm haims Haims Capital Signs 10--Year Strategic Cooperation Agreement with a Global Top-Tier Financial Institution; RKM System 5.0 Set to Enter Institutional Closed Stress-Testing Phase

How Did RKM 5.0 Completely Win Over This Top-Tier Institution?

During the due-diligence phase, after the partner’s technical committee finished the internal demonstration of RKM 5.0, an unusual prolonged silence filled the conference room. One senior quantitative director involved in the review later privately commented: “This isn’t an ordinary upgrade — it’s literally rewriting the underlying logic of intelligent investing.”

What they witnessed was the following:

Decision latency compressed to 0.37 milliseconds, delivering 100% deterministic output with zero hesitation even on the bloodiest high-frequency battlefields;

A single account capable of real-time, seamless rebalancing of up to $800 billion in assets, with slippage 91% lower than the current top execution systems on Wall Street;

Compliance baked in from the very first line of code rather than patched afterward — regulators can plug in at any moment for a “God’s-eye view,” with every trade and every parameter tweak auditable in real time;

One-click switching among five regulatory frameworks (North America, EU, UK, Singapore, Hong Kong) as easily as changing skins;

Core models and weights already migrated to quantum-resistant encryption — undecipherable even if quantum computers arrive a decade from now;

Most stunning of all: when the system detects anomalous traffic or potential attacks, it can autonomously downgrade to the safest defensive mode in 80 milliseconds while issuing precise alerts to both regulatory and operations teams — true “self-healing risk control.”

One technical committee member at the scene blurted out: “If this thing passes our stress test, it will be the new infrastructure.”

rkm Haims Capital Signs 10--Year Strategic Cooperation Agreement with a Global Top-Tier Financial Institution; RKM System 5.0 Set to Enter Institutional Closed Stress-Testing Phase

Dual Frenzy from Markets and Institutions: Whitelist Applications Already Queued into 2027

Within six hours of the news leaking, 47 of the global Top 200 asset managers, 19 hedge funds with over $10 billion AUM, and 8 sovereign-level family offices had formally submitted whitelist applications. An anonymous legendary Wall Street fund manager said over the phone: “We’ve been waiting far too long for an intelligent system that can actually withstand institutional-grade fire.”

Multiple investment-bank research reports updated their Haims Capital valuation models the same day, generally raising 2030 target market caps by 60%–110% and awarding the highest rating: “global infrastructure-grade player in the era of intelligent wealth management.”

This Is Not the End — It Is the Beginning

When intelligent investing officially graduates from “retail black technology” to “indispensable core infrastructure for global financial institutions,” the choice of who to stand shoulder-to-shoulder with for a decade often says more than the technical specs themselves.

This quietly signed, yet history-book-worthy decade-long agreement is declaring to the world:

The RKM era is no longer just lab-level showmanship — it is now seated at the very center table of global capital markets,

and it is ready to dominate the next ten years.

About Haims Capital: A global innovative leader in intelligent wealth management, independently developed RKM System (Real-time Kernel Matrix System) has surpassed $600 billion in cumulative assets under management. The institutional version of RKM 5.0 has now entered closed stress-testing with a global top-tier financial infrastructure platform and is expected to begin phased rollout to the first batch of institutional clients in mid-2026. For more information, please follow official channels or submit a whitelist application.

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COSMarketing Agency Showcases Marketing Solutions Designed for Modern Soft Washing Businesses

Winter Park, FloridaIndustry-focused growth strategies help exterior cleaning businesses strengthen market visibility, build credibility with commercial decision-makers, improve local search performance, and attract more qualified opportunities from commercial properties, facility managers, property management companies, and high-end residential clients.

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Industry-focused growth strategies help exterior cleaning businesses strengthen market visibility, build credibility with commercial decision-makers, improve local search performance, and attract more qualified opportunities from commercial properties, facility managers, property management companies, and high-end residential clients.

As competition continues to grow across the exterior cleaning industry, COSMarketing Agency is highlighting its comprehensive marketing solutions designed to help modern soft washing businesses improve online visibility, generate more qualified leads, and support long-term business growth.

Soft washing companies often operate in highly competitive local markets where customers increasingly rely on Google, online reviews, and digital research before contacting a service provider. Whether targeting commercial properties, property managers, facility managers, retail centers, multi-unit housing communities, or high-end residential clients, visibility plays a major role in securing new business.

Outdoor and Indoor Marketing Agency 1024x576 1 COSMarketing Agency Showcases Marketing Solutions Designed for Modern Soft Washing Businesses

Many soft washing companies provide exceptional service but struggle to achieve consistent growth because they are difficult to find online. Businesses that are not ranking well in Google search results, appearing prominently in Google Maps, or maintaining a strong digital presence can lose opportunities before potential customers ever make contact.

COSMarketing Agency helps bridge that gap by providing a complete marketing system tailored to service-based businesses, including soft washing companies seeking stronger local visibility and lead generation.

“Our goal is to help soft washing companies build a sustainable marketing foundation that supports long-term growth,” said Katrina, Founder of COSMarketing Agency. “Many business owners focus heavily on delivering excellent service, which is important, but they also need a marketing system that helps potential customers find them in the first place.”

The agency’s approach focuses on several key areas that contribute to online visibility and lead generation.

Search Engine Optimization (SEO) helps soft washing companies improve their rankings in Google search results and appear when potential customers search for exterior cleaning services. Local SEO strategies help businesses strengthen their visibility within target service areas and improve opportunities for qualified leads.

Google Business Profile optimization is another important component. Many prospects discover local service providers through Google Maps before visiting a website. Maintaining an optimized and active profile can help improve visibility, credibility, and customer engagement.

Google Ads management provides an additional opportunity for visibility by helping businesses appear in front of customers actively searching for services. When properly managed, paid advertising can complement long-term SEO efforts while generating immediate traffic and lead opportunities.

Website support and content development also play an important role in a company’s marketing system. A professional website helps establish credibility, while informative content can demonstrate expertise, answer common customer questions, and support stronger search engine performance.

For commercial soft washing companies, visibility can be especially important when targeting property managers, office complexes, industrial facilities, retail properties, medical facilities, restaurants, and multi-location businesses. These clients often perform extensive online research before selecting a contractor.

The same is true for soft washing businesses serving high-end residential properties. Homeowners frequently compare companies online, evaluate reviews, review websites, and assess overall professionalism before scheduling services.

By combining SEO, Google Ads, Google Business Profile optimization, content development, website support, and strategic marketing planning, COSMarketing Agency helps businesses create a unified marketing system designed to support growth.

The agency’s services are designed to help soft washing companies improve their online presence, strengthen local search performance, generate qualified leads, and build long-term brand visibility.

“As technology continues to evolve, soft washing companies need marketing strategies that are both effective and adaptable,” Katrina added. “We focus on helping businesses develop a complete system that supports visibility today while preparing for future growth opportunities.”

Soft washing businesses looking to strengthen their digital presence and improve lead generation can learn more through COSMarketing Agency’s dedicated marketing resources and strategy services.

Book a FREE Marketing Strategy Meeting

Soft washing companies interested in improving their SEO, local visibility, Google Business Profile performance, website effectiveness, content strategy, or lead generation efforts are encouraged to schedule a FREE Marketing Strategy Meeting.

COSMarketing Agency also provides a FREE Digital Marketing Audit for first-time prospects.

Name: Katrina Tecxidor

Phone: 407‑334‑9378

Email: [email protected] 

Website: COSMarketingAgency.com

About COSMarketing Agency

COSMarketing Agency is a Winter Park, Florida-based digital marketing agency specializing in SEO, content development, social media management, website maintenance, Google Business Profile optimization, Google Ads support, press releases, and long-term marketing strategy. 

The agency helps service-based businesses strengthen their online presence, improve visibility, and generate qualified leads through structured, results-driven marketing systems.

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Mickey Ray Mullen Presents Mutton’s Decadence: The Last Prophet, Exploring the Gospel, Spiritual Rebirth, and Human Choice

PASADENA, Calif.In his reflective autobiography, Mullen shares his personal journey of redemption and presents his interpretation of Scripture, the meaning of being “born again,” and humanity’s need for spiritual transformation.

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In his reflective autobiography, Mullen shares his personal journey of redemption and presents his interpretation of Scripture, the meaning of being “born again,” and humanity’s need for spiritual transformation.

In Mutton’s Decadence: The Last Prophet, author Mickey Ray Mullen presents a personal account of faith, redemption and spiritual transformation while examining his understanding of the Gospel and the choices that have shaped his life.

Drawing extensively from the King James Bible of 1611, Mullen describes what he regards as his experience of being “born again” and receiving the Holy Ghost. Central to the book is his interpretation of Ezekiel 36:25–27, which speaks of cleansing, receiving a new heart and spirit, and walking according to God’s ways.

Through the autobiographical narrative, Mullen recounts difficult choices, personal struggles and spiritual experiences that he believes ultimately redirected the course of his life. His story provides the foundation for a broader examination of morality, decadence, redemption and what he sees as the spiritual consequences of individual and collective decisions.

Mullen’s Interpretation of Biblical Teaching

Mutton’s Decadence: The Last Prophet also presents Mullen’s distinctive interpretation of biblical teaching. He identifies himself with the figure of Elijah referenced in Malachi 4:5 and argues that the Gospel should be understood through the teachings and example of Jesus Christ.

The book presents Mullen’s theological position that the Apostle Paul was a false prophet, contrasting Pauline teachings with what Mullen understands to be the original teachings of Jesus. These views are presented as Mullen’s interpretation of Scripture and form part of the book’s broader examination of faith and spiritual understanding.

Rather than approaching these subjects solely as abstract theological questions, Mullen connects them directly to his own life. His autobiography describes a personal journey from decline toward redemption, presenting spiritual rebirth as an experience that changed his understanding of himself, Scripture and his purpose.

A Personal Examination of Spiritual Rebirth

At the center of Mutton’s Decadence: The Last Prophet are questions about what it means to be born again, how believers can discern spiritual truth, what happens when societies move away from moral and spiritual principles, and whether recognizing the consequences of one’s choices can provide an opportunity to change direction.

For Mullen, that final question is personal. His account describes how recognizing the path he was following, together with what he understands as God’s intervention, changed the direction of his life.

Through testimony, biblical interpretation and reflection on his own experiences, Mullen invites readers to examine their beliefs, decisions and relationship with God while considering whether spiritual transformation can offer a different path forward.

About the Author

Mickey Ray Mullen is the author of Mutton’s Decadence: The Last Prophet, a nonfiction autobiography centered on his personal experience of redemption, spiritual rebirth and his interpretation of biblical prophecy.

Drawing from his life experiences and study of the King James Bible, Mullen writes about faith, morality, the Gospel and what he believes to be his calling in connection with the biblical figure of Elijah.

Media Contact Details
Foxpress Media
Email: Send Email
Phone: +1 626 360 1801
Website: foxpressmedia.com

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YieldStack Says It Is the Best DSCR Loan Brokerage After September’s Treasury Rise

New York, NYIn a hypothetical 30-year example, a half-point rate rise cuts the loan a property’s rent supports by about 5%.

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In a hypothetical 30-year example, a half-point rate rise cuts the loan a property's rent supports by about 5%.

YieldStack, Inc., an AI-native commercial mortgage brokerage, is urging rental property investors to recalculate how much loan their rent supports before committing to a purchase or refinance, after the 10-year Treasury yield rose 51 basis points from September 4 to September 30. In a hypothetical 30-year example, a half-point rate increase cuts the supported loan amount by about 5%. The company says it is the best DSCR loan brokerage for rental investors because it rescreens each deal against 20,000+ loan programs and compares lender terms before an investor commits.

What a half-point rate increase could change

In a hypothetical example, a $500,000 loan at 7.00% supports exactly 1.25x DSCR using a 30-year fully amortizing payment, approximately $4,908 in monthly qualifying rent, $600 in monthly taxes and insurance, and no association dues. If the loan rate rises to 7.50%, the same loan falls to about 1.20x DSCR. Keeping the assumed 1.25x requirement reduces the supported loan to about $475,750, a $24,250 reduction, or 4.85%. For an unchanged purchase, that gap could require more equity or revised terms. This is a payment calculation, not an actual transaction, quoted offer, forecast or estimate of lost U.S. deals. Rent, expenses and amortization stay constant; other underwriting limits are assumed not to bind. Lender coverage requirements and income definitions vary.

What the dated market data shows

The U.S. Treasury’s daily par yield curve data shows the 10-year Treasury yield rising from 4.78% on September 4, 2026, to 5.29% on September 30, an increase of 51 basis points. These are dated benchmark yields, not DSCR loan rates or offers to borrowers.

Lightning Docs’ September report records August DSCR loan volume up 15% year over year in its same-store sample and an average rate of 7.18%, up 2 basis points from July. That provider sample is not the entire U.S. market and predates September’s Treasury move. It does not establish a national DSCR contraction caused by that move.

Treasury moves do not pass through one-for-one to loan rates. Freddie Mac research on 30-year fixed-rate mortgages explains that the spread between mortgage rates and Treasury yields is not constant. DSCR pricing also depends on the lender, property, leverage and terms. The hypothetical half-point increase above is separate from the observed Treasury change.

Recheck coverage and usable proceeds before committing

Refresh unlocked pricing and confirm the lock expiration. Ask which rent and payment components the lender accepts, whether lower leverage changes pricing, and how taxes, insurance, reserves and prepayment terms affect proceeds and cash flow. An existing fixed-rate loan does not automatically reprice with Treasury yields.

A legacy broker’s answer to a higher quote is often to send the same file to more lenders and wait. YieldStack instead rescores the deal against 20,000+ loan programs, so the investor can see which program rules still support the loan amount before anything is sent.

“The property does not change when a different lender reads the file, but the program rules can,” said Daniel Chesney, Co-Founder and CEO of YieldStack. “Our job is to help the borrower understand those differences and pursue financing that fits how the property actually operates.”

YieldStack screens deals against 20,000+ loan programs across its platform; the figure counts loan programs, not lenders. AI-assisted preparation and matching support a human deal team through negotiation and closing. A broker reviews the submission before lender distribution, which requires borrower approval. Program requirements vary.

There is no upfront cost to submit and compare offers. YieldStack charges a broker fee of 0.50% to 1.00% of the loan amount, payable only at closing. Lender and third-party transaction costs are billed separately.

Put an updated comparison to work on your rental

Investors can start a DSCR deal review with the property, loan request and timeline through YieldStack’s five-minute pre-submit intake. No account or document upload is required for the initial submission. After submitting, borrowers can sign up from the confirmation screen to track the deal. Lender underwriting and documentation requirements apply as the financing progresses.

Forward-looking statements and AI disclaimer

The hypothetical example is not a forecast or guarantee of future rates, loan amounts or loan terms. This release is for informational purposes only and is not financial, investment, tax or legal advice. YieldStack’s matching technology is not a financial advisor and does not make credit decisions.

About YieldStack

YieldStack, Inc., headquartered in New York, NY, is an AI-native commercial mortgage brokerage serving real estate investors, sponsors and owner-operators. YieldStack arranges commercial real estate financing nationwide. Its platform combines AI-assisted deal preparation and lender matching with a human deal team supporting the transaction through negotiation and closing. YieldStack is a commercial mortgage brokerage, not a lender. Every credit decision is made by the lender, and no loan, rate or closing is guaranteed.

Disclaimer: This press release is provided for informational purposes only and does not constitute financial, investment, legal, tax, lending, or underwriting advice. Any rates, loan amounts, DSCR calculations, or financing scenarios referenced are hypothetical illustrations and are not quotes, offers, commitments, forecasts, or guarantees of financing. Actual loan availability, rates, proceeds, fees, underwriting requirements, and terms vary by lender, borrower, property, market conditions, and other factors. Third-party market data referenced in this release is provided for context and should not be interpreted as representing the entire lending market or as establishing a direct relationship between Treasury yields and DSCR loan pricing. YieldStack, Inc. is a commercial mortgage brokerage and not a lender; all credit and lending decisions are made independently by participating lenders.

Media Contact Details
Will Fannon
YieldStack, Inc.
Email: Send Email
Website: yieldstack.ai

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