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The industry-leading provider of crypto payments never sits still where technology is concerned. The second version of B2BinPay, with more blockchains, tokens, and connections onboard, is available now to help boost businesses looking to get involved in crypto payments.
The economic system enters the new era where crypto payments are inevitable, and progressive merchants want to jump on board right at the beginning to capitalize on the fast-growing interest in digital assets.
The gateway proves that crypto processing has never been so easy and accessible for merchants and enterprises worldwide, as every company gets an opportunity to connect the processor within several minutes.
B2BinPay is a solution tailored for diverse business models that are looking to add a crypto payment option. This payment gateway is compatible with both merchants and corporate clients, offering partners the chance to accept a wide range of digital currencies, store crypto assets on secure wallets, send, and receive funds.
The first version launched in 2023 was successful but the revised version provides business owners with a set of additional features and opportunities. B2BinPay understands that today’s progress rates are rapid, and all the innovations require updates sooner or later.
Multi-Channel Conversion and Straightforward Processing
The revised version of B2BinPay unlocks access to a broad array of assets available for payments. Receive coins, stablecoins, and tokens and enlarge your customer base. The variety of digital currencies available for payments is important as holders may prefer different cryptocurrencies to be used as a payment option. Suppose a merchant doesn’t want to accept certain assets? A business owner may want payments to be processed in BTC or USDT for example. B2BinPay solves the problem via the conversion feature. Simply specify crypto or fiat currencies you prefer to receive, and the system will convert all the payments automatically.
Manage Your Invoices and Settlements
The processing procedure is straightforward and contains the following steps: invoice, payment, conversion, and settlement.
A multilingual payment page makes it easy to transfer crypto funds and customers can access 20 language features. Furthermore, the page contains everything required to complete payments. QR codes unlock even more convenient opportunities to complete transactions.
Since a transaction has been confirmed within a blockchain, the system processes a transfer and converts funds to a currency specified by merchants.
Settlements are delivered either to a bank account (for fiat currencies) or to secure wallets (for major coins and stablecoins). Exchanges are executed with exceptionally low commissions.
Ease of Withdrawals
KYC verification is a must for all clients who’ve implemented the B2BinPay solution. The company is completely compliant with EU legal requirements and for this reason, it needs to “know all its clients.” Nevertheless, verification is quick, taking around 10-15 minutes. Once the identification process is completed, clients unlock non-stop access to withdrawals.
Connect the Solution in Several Minutes
Crypto payments frequently sound complicated and even frightening but B2BinPay makes everything possible while minimizing the involvement of clients. The vast majority of procedures are automated to make your first steps very straightforward.
How to connect the payment gateway? There are two options available: a unified API to deploy the processor on a client’s side and White Modelling that works on the company’s side. As for API integration, everything works clearly, as a single interface is compatible with all the blockchains; this is why no troubles and headaches are supposed to take place.
The integration begins with a testing procedure, as developers need to ensure merchants that everything is functioning properly with a minimum risk of bugs and errors.
Which Options Do You Get?
The updated version of B2BinPay is proud of its extended functionality as merchants and enterprises receive more opportunities.
Master the Transfer Speed
The system generates an invoice and makes it possible for business owners to manage the transaction speed by setting commissions. The higher fees are settled, the less time a blockchain confirmation takes.
Advanced features to check a transaction status
While creating a payout to an address used previously, insert it from the Address Book. Ticking a checkbox is all that is needed to add a new address to the book.
High-level Wallet Protection
Wallets suggested by the payment gateway are very secure. The system constantly monitors activity to detect unauthorized logins, and empowers users to introduce different access rights for their wallets. Furthermore, the system offers a White List of addresses to guarantee high-level security.
2FA authentication instruments
The provider works with the Google Authentication app. In doing so, one-time codes generated by the application which are mandatory to enter your account. This additional protection measure makes password hacks useless.
Ticket Support System
B2BinPay cares about clients, introducing the ticket system to solve any requests as soon as possible. Open your ticket to check its status and add photos and videos if necessary.
A Unified Gateway for All Business Models
Forex and crypto brokerage firms, trading platforms, gambling and gaming industries, traveling agencies, marketplaces, hedge funds, and more – the crypto payment provider of the new generation is ready to boost all the business models.
Contact us now to discuss the best integration option!
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Get to Know Reverse Transcriptase
Reverse transcriptase is an RNA-dependent DNA polymerase that is capable of synthesizing a complementary DNA strand from an RNA template. The enzyme was first discovered in retroviruses, which are RNA viruses that use reverse transcriptase to convert their RNA genomes into DNA.
Reverse transcriptase is also found in other retrotransposons, and telomerase, which are involved in maintaining the length of the chromosome ends.Structure
Reverse transcriptase is a multifunctional enzyme that consists of two domains −
An RNA-dependent DNA polymerase domain and
A ribonuclease H (RNase H) domain.
The polymerase domain catalyzes the synthesis of DNA from an RNA template, while the RNase H domain cleaves the RNA strand of an RNA-DNA hybrid, which is formed during the DNA synthesis process.
The structure of reverse transcriptase is complex and has been extensively studied using X-ray crystallography and cryo-electron microscopy.
The polymerase domain consists of –
An N-terminal thumb domain,
A palm domain, and
A C-terminal finger domain.
The RNase H domain is located at the C-terminus and is connected to the polymerase domain by a flexible linker.Application
A few of the applications are as follows −
Reverse transcriptase has several applications in molecular biology, particularly in the field of gene expression analysis.
One of the most significant applications is in reverse transcription PCR (RT-PCR), which is used to quantify gene expression.
Reverse transcriptase can be used to convert mRNA into cDNA, which can then be amplified using PCR and quantified using various techniques.
This technique is widely used in gene expression analysis, particularly in cancer research.Examples in Gene Expression Analysis
Quantifying gene expression: RT-PCR is commonly used to quantify gene expression in various types of tissues and cells.
For example, researchers might use RT-PCR to compare the expression of a particular gene in normal and cancerous tissues. In this case, mRNA is isolated from both types of tissues and reverse transcribed to cDNA using reverse transcriptase.
The resulting cDNA is then used as a template for PCR amplification, and the amount of amplified product is quantified using techniques such as gel electrophoresis or real-time PCR. This allows researchers to compare the expression of a particular gene between different tissues or cell types.
Detecting viral infections: Reverse transcriptase can also be used to detect the presence of viral infections.
For example, researchers might use RT-PCR to detect the presence of HIV in blood samples. In this case, viral RNA is isolated from the blood sample and reverse transcribed to cDNA using reverse transcriptase.
The resulting cDNA is then used as a template for PCR amplification, and the presence of an amplified product indicates the presence of the virus. This technique can be used to diagnose viral infections and monitor the progression of the disease.
Another important application of reverse transcriptase is in the development of antiviral drugs.
As retroviruses rely on reverse transcriptase to convert their RNA genome into DNA, inhibitors of reverse transcriptase can be used to prevent the replication of these viruses.
Drugs that target reverse transcriptase are widely used in the treatment of HIV, a retrovirus that causes AIDS.Examples in Antiviral Drug Development
HIV treatment: Reverse transcriptase inhibitors are a class of drugs used to treat HIV infection.
These drugs target the reverse transcriptase enzyme in the virus, preventing it from converting viral RNA into DNA.
As a result, the virus cannot replicate and the progression of the disease is slowed.
Examples of reverse transcriptase inhibitors used in HIV treatment include zidovudine (AZT), lamivudine (3TC), and efavirenz (EFV).
Hepatitis B treatment: Reverse transcriptase inhibitors are also used to treat hepatitis B virus (HBV) infection.
HBV is a DNA virus that uses reverse transcriptase to convert its RNA intermediate into DNA, which can then be integrated into the host genome.
Reverse transcriptase inhibitors such as adefovir and tenofovir can prevent the replication of the virus by inhibiting this step.
These drugs are used in combination with other antiviral drugs to treat chronic HBV infection.Where Is It Isolated from Its Structure?
Reverse transcriptase is isolated from a variety of sources, including retroviruses, retrotransposons, and telomerase. Retroviruses are RNA viruses that use reverse transcriptase to convert their RNA genomes into DNA, which can then be integrated into the host cell genome.
Retrotransposons are DNA elements that use reverse transcriptase to transpose themselves to new genomic locations, and telomerase is an enzyme that uses reverse transcriptase to maintain the length of chromosome ends.Why Is It So Unique?
Reverse transcriptase is unique because it is an RNA-dependent DNA polymerase that can synthesize DNA from an RNA template, which is the opposite of the conventional flow of genetic information from DNA to RNA to protein.
This is in contrast to the DNA-dependent DNA polymerases that are used by most organisms for DNA replication and repair.
The ability of reverse transcriptase to synthesize DNA from RNA has important implications for the replication and evolution of retroviruses, which are RNA viruses that use reverse transcriptase to convert their RNA genomes into DNA.
This allows the retroviral DNA to be integrated into the host cell genome, where it can persist for long periods of time and be transmitted to future generations of cells.Conclusion
In conclusion, reverse transcriptase is a unique enzyme that has played a significant role in the understanding of retroviruses and has numerous applications in molecular biology and biotechnology. The enzyme’s ability to synthesize DNA from RNA has led to the development of new techniques for gene expression analysis, genetic engineering, and diagnostic tools.
Vodafone Uk 5G: new 5G pricing model
With EE claiming the ‘first’ accolade many telcos seem to think is critically important, Vodafone needed to do something different to gain attention; this pricing move might well be an important one.
The idea is simple. Instead of tiering pricing plans on monthly data allocations, unlimited data packages can be purchased with tiered limits of speeds. Customers can select the package which is best suited to the way in which they use their devices.
This approach is certainly an interesting one and certainly has the potential to disrupt the status quo. Vodafone is not the telco giant it once was in the UK. It sits third in the market share ranking for mobile subscriptions and is a comfortable distance away from the top two. However, a new approach to pricing might get the team back to its former glory days.
Brand O2 EE Vodafone Three
Market share 36% 33% 20% 11%
Statistics from Ovum’s World Cellular Information Service (WCIS)
With ‘Unlimited’ data plans, the tariffs are designed with 5G in mind. Vodafone UK CEO Nick Jeffrey pointed out that 5G is much more than a smartphone. A tsunami of devices will be connected to the network soon enough, and consumers will be digesting data in new ways; the last thing 5G consumers want to worry about is reaching a monthly data allocation.
“These tariffs are perfect for the over-the-top generation,” said Consumer Director Max Taylor.
Instead of tiering tariffs on consumption allocations each month, customers will be able to subscribe to download speed limits, with unlimited data pools. As you can see below, there are three tiers to take into consideration.
Taylor suggested each of these tiers have been designed with experience in mind. The slowest, with a maximum speed of 2 Mbps, is for those who do little more than message, browse the internet or distract themselves on social media. The next tier is for those with an average data appetite; 10 Mbps is more than enough to run SD video on the go, while the final tier is for the heavy data consumers, gamers for instance.
Although this is a very interesting approach for Vodafone, what is worth noting is this is not the first time this pricing structure has been used. Elisa in Finland has been tiering its data plans on speed limits for years, but this should not take away from what is a very interesting switch from Vodafone.
“Vodafone’s move into unlimited data and its decision to price 5G the same as 4G indicate the emergence of a challenger mentality,” said Kester Mann of CCS Insight. “This is in sharp contrast to its traditional premium-focussed approach. It could spell bad news for Three, which has built a strategy based on challenging industry norms.”
One party which will not be happy with the news is Three. Over the coming months, the ‘challenger’ telco will be launching its own 5G proposition and we suspect it might be brewing up its own disruption. As Heavy Reading’s Gabriel Brown noted to us at the launch event, such an announcement from Vodafone might ‘steal some of the wind from Three’s sails’.
What is worth noting is the ‘Unlimited’ tariffs will only be available for SIM-only customers. You can see the pricing tiers for subsidized handset contracts at the bottom of the article, there is some opportunity for competitors to undercut Vodafone.
Finally, Vodafone is taking a page out of the BT playbook by tackling the connected everywhere challenge. In launching its ‘5G Gigacube’ FWA product, the team are also supplying a convergence tariff to allow for seamless connectivity everywhere and anywhere. And for £50 a month, with an Amazon Alexa smart speaker included in the bundle, it is an attractive proposition.
If Vodafone is to make moves in the UK connectivity market, it needs to do something different. This is what the last couple of years have all been about, turning the oil tanker. It now has a new converged network, Redstream, more legacy IT systems are being switched-off each year, nine more in 2023, and the financials have returned to growth for the first time in five years. When you add in the new pricing model, convergence strategy and innovation hubs to bolster the enterprise business, things are looking positive for Vodafone.
After giving up its market-leading position years ago, Vodafone is starting to look like a business which can challenge at the top of the UK connectivity market once again.
For decades, psychologists and sociologists have questioned conventional finance and economics notions, suggesting that people are not rational utility-maximizing actors and that markets are inefficient in the real world. To address these issues, behavioral economics emerged in the late 1970s, gathering extensive data on individuals acting “irrationally” daily. Hence, it is established with input from psychology and finance, aiming to better explain numerous baffling facts in stock markets. It is a branch of finance that provides ideas based on psychology to explain the underlying dynamics of asset purchasing and selling behavior.Behavioral Pricing
Behavioral pricing is a method of setting prices based on consumer behavioral patterns. Analyze large amounts of relevant data to reveal consumer behavior patterns. It is also part of the larger field of behavioral economics. Traditional price theory assumes that rational variables influence buyer behavior. Customers get complete price information, and every customer’s choice is obvious. Consumers choose a value (product) and expect this purchase to maximize their profit from that product. Customers sometimes respond differently, and such cost-benefit models need to consider that. They behave differently from the assumptions of classical price theory. Evaluate prices based on various criteria, including the manufacturer’s reputation and your own money. They also behave unpredictably. You can stop searching for products and continue later. I need to improve at remembering prices or comparing them accurately.
So pricing depends on many factors. There are many aspects to pricing, and rational considerations are just one of them. In classical theory, behavioral, emotional, and primarily cognitive factors have little influence. This study focuses on subjective aspects to better understand how customers price products. It is a form of price discrimination. Price discrimination aims to increase profits by changing the price paid by different consumers depending on information about the customer.Evaluation of Pricing Information
Consumer attitudes, perceptions, and interpretations of factual information flow into evaluation. In some cases, it may also contain other information unrelated to the product. B. Changes in financial circumstances.Respond to Price Information
This action can be purchased, not purchased, or deferred. In deferral, the process starts again, and consumers may remember the price they first saw.The Ideas Behind Behavioral Pricing Behavioral Pricing Strategies
Major strategies are −Price Point
The Cambridge Dictionary defines a price point as “the possible price scale point of a product.” Among behavioral economists, a price point is a specific retail price determined by market power. From a psychological point of view, this means demand-related prices that businesses may fear. Price points are based on the observation that consumers can only determine a fair price when viewed in context.Price Threshold Power
The threshold can be considered a specific zone determining whether a customer is willing to pay for a product. Using price thresholds is critical to maximizing existing margins while retaining customers. It is a perfect balance.The Three Options Principle
Providing multiple options is always a good thing. If you have a cheap and expensive option, always offer an intermediate option between the two. In this Ted Talk on behavioral economics, the speaker details this phenomenon.The Nudge Effect
Behavioral pricing can guide consumers to the products they want to sell. Consider encouraging customers with labels like “best buy for the price” and “hot deals” to create a sense of urgency and great deals.Price is Rounded just below
Traditional microeconomic theory portrays the typical demand curve for a product as linear and right-sloping. However, modern research recognizes that when prices fall slightly below integers, customers may be more willing to pay, creating a segment with a positive slope in the demand function.Principles of Framing, Congruence, Context, and Signaling
Framing principles are based on how to highlight product functionality in a way that is positively perceived. The most common concept is associating “free” with an offer. In his study, Larson concluded that offering accessible units generates more demand than the corresponding discounts. Pricing in multiple increments instead of a single price may be a better strategy.
The context principle is tied to the information people store about items. The appeal of a mid-range product can be enhanced by adding a third option. So if the desired option is extreme, people may lose interest. Another frequently used contextual principle is first to reveal the most attractive items (product ordering) and lock prices. Sell bundles by changing the price of individual items. The signal principle relates to the visual and psychological message a company wants to send. The most commonly used signaling principle is just below the pricing, usually using a number ending in 9 or 5, depending on the number of digits. Other signals can be sent by adjusting price color, symmetry, order, and length. Discounts can also be displayed as percentages or absolute amounts, whichever is more effective.Applications of Behavioural Pricing
The Capital Asset Pricing Model (CAPM) and the Efficient Market Hypothesis (EMH) are logical and sensible assumptions. These ideas believe that most individuals behave logically and predictably. According to theoretical and empirical data, CAPM, EMH, and other rational theories, they have accomplished a fine and praiseworthy job of anticipating and explaining specific occurrences.
Nevertheless, as time passed, experts in finance and economics began to notice anomalies and behaviors that could not be explained by the theories of the time. While these ideas may explain some ‘idealized’ occurrences, the actual world proved complicated with unpredictable market participants. As a result, humans are only sometimes rational, and markets are always efficient. Behavioral finance explains why individuals do not always make the anticipated judgments and why markets do not always behave as predicted.Conclusion
Behavioral pricing helps us understand what motivates people to buy products and avoid others. Knowing how to differentiate can mean the difference between a successful and unsuccessful pricing strategy. Prices are typically valued against a reference price that a company’s behavioral marketing decisions can partially influence. A reference price is not a specific price but a range that may constantly evolve as new information is registered. Therefore, the base price has upper and lower bounds, and price changes do not change perceptions.
2023 Toyota Supra 2.0 Review – When Less is More
Few cars arrive to the sort of expectations that the new Toyota Supra faced, but with one model year under its belt it’s time for the Japanese coupe to show it’s more than just an exercise in parts-bin sharing. True, there’s plenty of BMW to be found under the 2023 Supra 2.0’s contentious bodywork, but with a smaller engine and a smaller price tag come a solid argument that this was the car the modern Supra was always meant to be.
The Supra 3.0 remains on sale, tweaked for a little more power, and with a $50,990 starting price. This 2023 Supra 2.0, however, kicks off at just $42,990 (plus $995 destination).
With some divisive designs, opinions soften over time. With others… well, let’s just say that it’s either still too soon for the new Supra to have won people over, or too rare a sight yet, or simply accept that Toyota’s polarizing aesthetic is likely to always remain just that. Controversial.
There are charming angles and there are more challenging ones. I like the Supra in profile, particularly the way the blacked-out A-pillars leave the roof hovering over the glass. The boldly protruding rear lamp clusters are neat, too, and have hints of Lexus LC to them. With its long, swollen hood and matching bulges in the roof, it definitely has the right proportions to look purposeful.
I suspect it’s the fascia that causes the most issues, and the nose is certainly an acquired taste. The Nitro Yellow paint probably doesn’t help the cause; darker finishes help hide the excess of black plastic grilles and vents, too. The standard 18-inch cast-aluminum 10-spoke wheels look smart, at least, in their dual-tone finish. They’re an inch smaller than what you get on the Supra 3.0.
Inside, I stand by my first impression that the Supra has the nicest cabin of any current Toyota. The fact that it’s basically lifted from a BMW is a mere footnote. You’re responsible for manually adjusting the seats, unlike the power-seats in the 3.0-liter car, but that doesn’t make them any less comfortable or supportive. The combination of black Alcantara and leather trimming is nicely done, too, not to mention grippy through the corners.
The driver gets an 8.8-inch digital cluster, and there’s an 8.8-inch display atop the center stack for infotainment. With the $3,485 Safety & Technology package that’s upgraded to a touchscreen with navigation, plus you get a 12-speaker 500W JBL audio system and wireless Apple CarPlay. Again, the UI will be familiar if you’ve spent any time in a recent BMW, but that’s still no bad thing. I just wish the screen itself was tilted a little more toward the driver’s seat.
Purists may still scoff at the parts-bin sharing, but I’ve no issue with Toyota focusing on where it gets best bang for its buck. The 2.0-liter turbocharged inline-4 gets 255 horsepower and 295 lb-ft of torque, routed through an 8-speed ZF automatic transmission to the rear wheels. There’s still no manual, an option which people generally complain about missing and then don’t actually buy when it’s available, and you lose the active rear sport differential of the 3.0-liter car.
Power is down over that 6-cylinder engine – which is good for 382 hp and 368 lb-ft of torque – but the top speed remains 155 mph. As is so often the case, too, the raw numbers don’t tell the whole story. For a start, maximum horsepower and torque arrive earlier in the Super 2.0, at 5,000 rpm and 1,550 rpm respectively.
In theory you’re looking at 5.0 seconds for the 0-60 run, versus 3.9 with the Supra 3.0, but honestly I don’t really care about that. I’m on record with the opinion that cornering well is more important, and more fun, than straight line speed, and just because I was talking about a $260k Lamborghini at the time doesn’t make that any less relevant for this $43k Toyota.
Crisp steering, little to no roll from the body, and a general feeling of playfulness. The brakes may be a little smaller, but then they’re fighting against less weight; you can dive into corners, slow late, and then rely on the punchy turbo-4 quickly dropping you back into the power band to zip you up to speed again. I reckon even manual hold-outs could be swayed by the eager ZF transmission once they have a clack of the standard steering wheel paddles, too.
The six-cylinder’s lovely soundtrack is missing, but I suspect that’s more of an issue in the Z4 sDrive30i where the drop-top exposes you to more exhaust noise anyway. Toyota follows the crowd with some audio “enhancement” inside, but it’s just not as stirring as that of the more expensive model.
The only thing I really missed from the Supra 3.0, though, is the adaptive dampers. Treated to decent quality asphalt and the two-liter car thrums along nicely, but there’s no denying that potholes and the like can unsettle things when up against Toyota’s firm tuning.
A general purpose multilingual speech recognition system that lets users transcribe or translate audio files.
About Open AI Whisper
Whisper AI is an Open AI product that automatically recognizes speech and transcribes it. The tool is trained with a robust dataset of 680,000 hours of multilingual and multitask data from the web. It is trained using natural language and deep learning to interpret speeches in multiple languages. You can use Open AI Whisper to transcribe existing audio files, but it cannot record audio.
Whisper AI transcribes English and non-English audio with a high-level of accuracy. The tool also translates audio files into other languages. Whisper AI is trained with a large and diverse dataset and doesn’t focus specifically on a single language. It offers a zero-shot performance that makes 50% fewer errors compared to existing automatic speech recognition models.
Open AI Whisper Features
OpenAI Whisper is a powerful speech recognition tool. It offers several features to automate speech recognition and transcription. Some of its useful features include the following:
Whisper AI can translate and understand 100 languages.
It can identify the language of an audio file.
It offers API for developers to integrate Whisper AI features into other software.
Whisper AI offers offline access to users.
It can recognize speech in various accents despite background noise.
Open AI Whisper Use Case – Real-World Applications
Open AI Whisper can be used in every industry seeking speech recognition or translation services. Some real-life applications of this AI tool are as follows:
Translators can use Whisper AI to translate speech into other languages.
Transcribers can use Whisper AI to convert audio files into text.
Developers can use the API to create other powerful apps with Whisper AI functionality.
Open AI Whisper Pricing
Open AI Whisper is a free, open source model. You can access it using your Open AI credentials without paying a single penny. But the tool charges for API usage. Its API starts at $0.006 per 1000 tokens. It offers flexible pricing options, allowing users to pay as they use the credits.
Does Open AI own Whisper AI?
Whisper AI is a product of Open AI. The tool was launched in 2023 for automatic speech recognition. However, it is still under development, so you may encounter frequent new updates while using the tool.
Which languages does Whisper AI support?
Whisper AI supports more than 100 languages. You can use it in English, and non-English languages like Telugu, Korean, Chinese, Russian, Romanian, Hungarian, Tamil, French, Portuguese, Italian, Japanese, German, Greek, etc.
Do I need to create a Whisper AI account?
To access Whisper AI, you need to use your Open AI account. If you don’t have an Open AI account, create one using the sign up button. After signing in, you can start using Whisper AI to recognize speeches.
Does Whisper AI record audio?
No, Whisper AI doesn’t record audio files. It only transcribes or translates existing audio files. You cannot record calls or other speech using Whisper AI for language identification or speech recognition purposes.
Which file formats are supported on Whisper AI?
Whisper AI supports audio files in m4a, mp3, webm, mp4, mpga, wav, and mpeg. The maximum file size supported is 250 MB.
Whisper AI can be used for speech recognition in multiple languages. The tool has a robust dataset trained with thousands of hours of speech. You can use it to transcribe audio files, identify languages, or translate speech.
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