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## Zambia's Crypto Currency Paradox: What Locals Actually Do Despite Legal Restrictions
The crypto currency landscape in Zambia exists in an intriguing gray zone. While official policy treats cryptocurrency as illegal for financial transactions through regulated channels, the actual reality on the ground tells a different story. The Bank of Zambia has made its stance crystal clear—digital assets are not legal tender, and financial institutions face strict prohibitions on crypto-related operations. Yet surprisingly, there's no explicit law banning individuals from owning or trading these assets

## Peer to Peer - What Is It and Why Is It Changing Financing
**Peer to Peer (P2P)** is a term that has been heard more frequently lately in the context of digital technology and commerce. But what exactly is this decentralized form of exchange, and why is it generating so much interest? Well, P2P is a direct transaction between two parties, completely bypassing intermediaries. This model has proven to be so attractive that the global P2P lending market reached a value of $67.93 billion in 2020, with projections to grow to $558.91 billion by 2027, representing a (CAGR) of 29.7%.
## The Birth o

Silver's Explosive Rally Triggers Trading Halt: Guotai Silver LOF Pauses As Premium Soars to 68%
The precious metals market is experiencing a dramatic rally, with London silver climbing to $71.81 per ounce on December 24th, marking a staggering year-to-date gain exceeding 140%. This surge in the spot market has cascaded into the fund space, where Guotai Silver LOF has become the focal point of investor attention—and concern.
The exchange-traded fund's explosive performance masks a growing risk in the secondary market. Trading at a premium of 68.19% and up 254.9% since the start of the year, Gu

**AUD/USD Struggles to Find Footing as Multiple Headwinds Persist; Key US Jobs Data Awaited**
The Australian Dollar continues its downward pressure against the US Dollar, extending losses into a fourth consecutive trading session. The pair hovers near 0.6630, reflecting weakness that translates to roughly 6,630 USD when converting 1,000 AUD at current rates—a meaningful dip from stronger levels.
**What's Dragging the AUD Lower**
Several interconnected factors have combined to pressure the currency. The latest Australian employment report disappointed expectations last week, failing to provide