Why Responsible Lending Matters: Happycash’s Commitment to Consumer Rights in Digital Finance

In the fast-growing world of digital lending, where speed and scale often take center stage, Happycash is setting itself apart by focusing on something more fundamental: consumer protection and responsible lending.

Yinshan Lending Inc. operating under the name of Happycash is a licensed lending company regulated by the Philippine Securities and Exchange Commission (with SEC Registration No. CS2019100108 and Certificate of Authority No. 2860), Happycash anchors its innovation on strong ethical principles and compliance. For Happycash, responsible lending isn’t just about avoiding problems- it’s about building long-term trust with users.

TRANSPARENCY AS A PROMISE, NOT A FEATURE

One of the biggest challenges in digital lending today is the lack of transparency. Hidden fees, unclear terms, and misleading marketing have eroded public trust in the industry. In response, Happycash maintain its commitment to transparency in accordance with the Truth in Lending Act (Republic Act No. 3765) by ensuring full disclosure of all fees, interest rates, and loan conditions before users’ commitment and disbursement.

As a testament to the commitment of Happycash, its customer can easily preview repayment schedules, understand total cost upfront, and engage with the dedicated customer service department trained to uphold financial literacy and borrower rights. According to Winchel, Happycash’s Compliance Officer, “We make sure our users fully understand the loan they’re taking-no fine print tricks, no hidden charges.”

COMPLIANCE AND CONSUMER RIGHTS AT THE CORE

At its core, Happycash rigorously adheres to key consumer protection laws, including:

• The Truth in Lending Act (RA 3765)

• The Data Privacy Act (RA 10173)

• The Financial Products and Services Consumer Protection Act (RA 11765)

• SEC Memorandum Circular No. 18, Series of 2019

• BSP Circular No. 1133, series of 2021

The laws and regulations guide comprehensive internal policies that protect borrowers through fair collection practices and robust data handling. These ensures that borrowers are treated with respect and fairness.

ETHICAL COLLECTIIONS AND EMPATHETIC SERVICE

In response to the growing concerns over unfair debt collection practices within the industry, Happycash is firmly committed to upholding fair and ethical collections.

Happycash takes special care in training its collections team to engage with users respectfully and professionally. No intimidation. No public shaming. All communications are conducted in line with SEC regulations and industry best practices, ensuring borrowers are treated with dignity and fairness.

Taking a firm stand, Happycash explicitly does not tolerate any harassment or abusive behavior in debt collection. To support this commitment, borrowers have multiple channels-such as in-app chat, email, and hotline- to reprt any incidents of harassment, seek clarification, or resolve disputes promptly. Every complaint is meticulously logged and internally reviewed to maintain accountability and continuous improvement.

By prioritizing respectful and transparent interactions, Happycash aims to restore trust and promote responsible lending.

About Yinshan Lending INC.

Happycash is a fintech platform that delivers digital credit to Filipinos – providing quick, seamless, affordable financial access to the credit-worthy yet underserved. Happycash is operated by Yinshan Lending Inc., a licensed financing company with SEC Registration No. CS201900108 and Certificate of Authority No. 2860.

This Press Release has also been published on VRITIMES 

Karaoke Manekineko Joins the Borneo Fest 2025 Celebration at Metro Point Complex

 

 The Borneo Fest 2025, hosted at Metro Point Complex Kajang, brought together cultural groups and local businesses—including Karaoke Manekineko—for a weekend filled with East Malaysian heritage and community engagement

The Borneo Fest 2025, held on May 31 and June 1 at Metro Point Complex Kajang, showcased the region’s rich traditions through captivating dance performances and interactive culinary workshops. Visitors were treated to the energy of Borneo Ethnic Dance Performances and a special kids’ showcase, adding a youthful spark to the festival’s cultural lineup.

Beyond performances, festival-goers took part in bamboo dessert and dumpling workshops that provided a hands-on look at East Malaysia’s culinary traditions.

Karaoke Manekineko also joined the festival, adding a fun and engaging element for families and children. Their beloved mascot made appearances throughout the two-day event, delighting younger visitors and sparking smiles across the concourse. Karaoke Manekineko staff shared that they were glad to participate in the festival, noting how it offered a wonderful opportunity to interact with the local community—especially children—and bring extra joy to the vibrant atmosphere.

Organisers expressed appreciation for the collaborative efforts of cultural groups, local businesses, and festival supporters. They emphasised how events like this highlight the power of cultural heritage in building stronger community connections.

With its blend of performances, workshops, and lively interactions, the Borneo Fest 2025 was more than just a festival—it was a weekend of shared culture and meaningful exchange, warmly embraced by all who attended.

About Koshidaka International KL Sdn Bhd

Koshidaka International was incorporated in 2021 at Kuala Lumpur, Malaysia as a full subsidiary of Koshidaka Holdings. The company serves as a management consultancy arm for the Karaoke Manekineko operations in Malaysia, Thailand, and Indonesia. Karaoke Manekineko is a friendly and safe environment for Karaoke that is designed to accommodate a diverse range of customers, from families with young children to groups of friends and corporate teams.

What is Build On BNB? BOB Price Prediction 2025–2028

 

Discover Build On BNB (BOB), the meme coin energizing the Binance Smart Chain with humor, community, and purpose. Learn about its origins, features, and 2025–2028 price predictions.In the fast-paced world of cryptocurrency, projects that combine humor, community, and purpose tend to stand out. One such project is Build On BNB (BOB), a meme coin born out of a light-hearted Binance community initiative, now boasting serious traction on the Binance Smart Chain (BSC).

But what exactly is BOB, and why has it captured the attention of tens of thousands of holders in just a few months?

Let’s dive into the full story behind BOB, from its humble, humorous beginnings to its growing role in the BSC ecosystem.

Origins: From Community Joke to Blockchain Mascot

Build On BNB (BOB) started as a community-driven idea during a mascot-naming campaign hosted by Binance. The name “Bob”. simple, quirky, and friendly, stuck, and what began as a fun interaction quickly evolved into a full-blown crypto token.

But unlike other meme coins that thrive on speculation alone, BOB was designed with a broader mission: to reignite interest in the BNB Smart Chain and promote community-based blockchain development.

The slogan? “Make BSC Great Again.” It’s a cheeky nod to meme culture but represents a real goal: to empower builders, creators, and developers to engage with the BSC ecosystem through a lighthearted and accessible token.

What is BOB?

BOB is a BEP-20 token operating on the Binance Smart Chain. It combines the viral appeal of meme coins with strategic ecosystem support to drive growth on BSC.

Its total supply is 420.69 trillion tokens, a not-so-subtle reference to internet meme numbers like 420 and 69, staying true to its tongue-in-cheek roots.

BOB isn’t just a trading asset. It’s a community tool designed to spark development, engagement, and decentralized application (dApp) creation on Binance’s blockchain.

Key Features:

1. BEP-20 compatibility: easily tradable on major DEXs like PancakeSwap.

2. Zero transaction fees: ideal for high-volume trading and community activities.

3. Community-first distribution: over 34,000 individual holders with no focus on institutional control.

Technical Specs & Security

BOB runs on the Proof of Staked Authority (PoSA) consensus used by the BNB Smart Chain, enabling:

1. Fast transaction speeds

2. Ultra-low fees

3. Scalable infrastructure

Its smart contract has been audited by Go+ Security and Token Sniffer, showing no major vulnerabilities. For users worried about security or scams in the meme coin space, BOB offers a higher degree of transparency and trustworthiness.

BOB Market Performance & Price Outlook

Since launch, BOB has displayed the trademark volatility of meme tokens, with significant spikes and dips. Its current price is around $0.00000007576, with a market cap of nearly $29–40 million, depending on recent volume.

Recent Highlights:

1. 115% growth in 24 hours during a recent bull surge

2. 250% gains over the past week

4. Daily trading volumes over $30 million

5. Listed on platforms like AscendEX, Hibt, and PancakeSwap

These stats underline a vibrant market presence, bolstered by community enthusiasm and smart marketing.

BOB Community Engagement

BOB is most active on Twitter and Telegram, with a follower base exceeding 10,000. Community events, meme contests, and grassroots promotions are frequent, and in March 2025, the community officially took over the token’s direction, marking a significant step toward decentralization.

Its mascot, the cartoonish and charming Bob, has helped make the coin instantly recognizable, much like Dogecoin’s Shiba Inu or Pepe’s iconic frog.

BOB Price Predictions: 2025–2028 Forecast

1. 2025

- Range: $0.00000011 to $0.00000026

- Catalysts: Community growth, meme culture virality, continued Binance support

2. 2026

- Range: $0.00000008 to $0.00000032

- Factors: Utility expansion (e.g., NFT use, staking), DEX integrations

3. 2027

- Range: $0.00000005 to $0.00000018

- Risks: Regulatory shifts, meme fatigue, or fading community interest

4. 2028

- Range: $0.00000003 to $0.00000022

- Survivability: Dependent on long-term adoption, new utilities, or integration into BSC apps

While predictions vary, BOB’s success will likely depend on its ability to innovate and maintain relevance as more meme coins enter the market.

BOB Short-Term Price Targets (June–Dec 2025)

Sentiment remains bullish, with the Fear & Greed Index at 64 (Greed) — suggesting that investor confidence is high in the short term.

Should You Buy BOB?

BOB is not your typical investment. It’s a meme coin, meaning its value depends heavily on community hype, trends, and social engagement rather than fundamentals or utility.

1. Pros

- Supported by Binance ecosystem

- Low barrier to entry

- Strong meme appeal and viral potential

- Listed on reputable exchanges

- Active community ownership

2. Cons

- High volatility

- Limited real-world utility (for now)

- Prone to market cycles and sentiment shifts

If you’re interested in BOB, it’s best to approach it as a fun, speculative bet— not a long-term financial cornerstone. Think of it as digital street art or a collectible: it could become valuable, but it’s just as likely to fade out.

Conclusion

Build On BNB (BOB) is more than just another meme coin, it’s a cultural token built on fun, community, and a mission to revitalize the BNB Chain. While it doesn’t promise utility-driven returns (yet), it does offer one of the most engaging and active communities in the current meme coin space.

Whether you’re a crypto veteran or a curious newcomer, BOB might just be the weird, wonderful addition your portfolio needs, as long as you remember to invest responsibly and enjoy the ride.

Looking to trade BOB safely and efficiently? Bitrue is a user-friendly, secure exchange that offers trading pairs for BOB with strong liquidity and support. New users who sign up on Bitrue may also qualify for promotional rewards, making it a great entry point for BOB enthusiasts.

About Bitrue

Bitrue is a leading cryptocurrency exchange, offering a wide range of digital assets, innovative features, and user-focused services. Founded with the mission to empower the world’s crypto enthusiasts, Bitrue continues to expand its platform with new products, events, and opportunities for users worldwide.

This press release has also been published on VRITIMES

MuslimAi: A Companion Offering Faithful AI for the Modern Ummah

 

Introducing an inclusive AI companion designed to support Muslims through halal validation, mindful learning, companion, a friend and heartful conversations—MuslimAi offers warmth where tech often feels cold. Available at https://www.muslimai.ai/

Singapore, MuslimAi introduces a new kind of digital spiritual experience—an Islamic AI companion designed to bring empathy, understanding, and faith-based reflections to the Muslim community in today’s digital world.

Founded by Nurana Indah Paramita, widely known as Mita, MuslimAi was born out of a desire to provide a safe, warm, and relatable space for Muslims navigating daily life in an increasingly digital era.

“MuslimAi isn’t just a place to ask questions. It’s a presence. A listening friend. A keeper of the soul,” Mita shares.

✨ Key Features:

AI Mindful Learning: guidance for Muslim with Qur’anic values

Islamic AI Companion: characters that offer thoughtful dialogue and spiritual reflection

Halal Check AI: product halal verification using AI NLP and open-source data

Whether you're feeling lost, lonely, or simply curious about Islam—MuslimAi is here for you.

This platform is not only for Muslims, but also for anyone seeking warmth, understanding, and a safe space to explore Islam with dignity.

Powered by AI, but guided by mercy, MuslimAi is a companion—not a judge. A friend in your pocket, built with love and guarded with responsibility.

All content is moderated and curated with care to ensure it reflects the heart of Islamic values—rahmah, adab, and sincerity.

---

MuslimAi is not here to preach. It’s here to stay. As a friend. In your pocket. When the world gets quiet.

 

Watch on YouTube: https://youtu.be/SiCN9yYOLNE?feature=shared

About MUSLIMAI GLOBAL NETWORK

MuslimAi is now accessible through its mobile web version: https://muslimai.ai

This Press Release has also been published on VRITIMES

Powering Inclusive Finance: How Happycash Builds a Strong Fintech Ecosystem through Strategic Partnerships

  

In today’s digital lending space, building a reliable and inclusive financial system takes more than a strong product—it requires a strong ecosystem. Happycash, one of the leading licensed digital lenders in the Philippines, is doing just that through a series of thoughtful and high-impact strategic partnerships.

From data intelligence to credit scoring, and from payments to risk compliance, Happycash has aligned itself with some of the most trusted players in fintech. These collaborations are not just technical integrations—they are cornerstones of Happycash’s mission to serve underserved Filipino borrowers in a safe, scalable, and efficient manner.

Alternative Data for Inclusive Credit Scoring

Traditional credit bureaus often leave out millions of Filipinos who have never taken a formal loan. Happycash addresses this gap through its partnership with FinScore, a pioneer in telco data-based credit scoring in Southeast Asia, enables Happycash to assess creditworthiness—even for borrowers with no previous credit record.

Risk Intelligence and Market Data Integration

Another key strategic ally is CRIF Philippines, a globally recognized provider of credit data and risk analytics. Happycash leverages CRIF’s deep market insights to fine-tune its risk models, perform portfolio stress testing, and apply advanced segmentation techniques that align credit offers with borrower repayment ability.

These tools enable Happycash to lend with confidence while keeping default rates low and customer satisfaction high.

Frictionless Disbursement and Payment Solutions

Ensuring users receive their funds quickly—and can repay conveniently—is essential in digital finance. Happycash partners with local e-wallets, payment aggregators, and direct debit providers to provide instant disbursement and one-click repayment options.

The result is a faster, more secure, and more user-friendly lending experience, especially for users in remote or rural areas who may not have access to traditional banking services.

A Network Built for Scale and Inclusion

With these partnerships, Happycash has been able to rapidly scale operations while maintaining a deep focus on ethical lending and operational excellence. More than just transactional alliances, these relationships reflect a shared vision: to bring smart, safe, and sustainable credit access to millions of Filipinos.

“We don’t believe in growing alone,” said Dannish, Head of Strategy. “We grow by building a better ecosystem—one that listens to the borrower, respects the law, and shares value across every partner involved.”

About Yinshan Lending INC.

Happycash is a fintech platform that delivers digital credit to Filipinos – providing quick, seamless, affordable financial access to the credit-worthy yet underserved. Happycash is operated by Yinshan Lending Inc., a licensed financing company with SEC Registration No. CS201900108 and Certificate of Authority No. 2860.

Made to Create, Built to Grow — Wacom Introduces the New Wacom Cintiq Line

Wacom today launched the new Cintiq 16, Cintiq 24, and Cintiq 24 touch pen displays, empowering creators to break boundaries with professional tools made attainable without compromise. Combining the flagship Wacom Pro Pen 3, a slimmer design, and sharp displays built for creative work, these models are built for artists and designers ready to level up their craft and dive headfirst into their boldest ideas.

“Creativity isn’t about limits—it’s about diving into the extraordinary,” said Koji Yano, Senior Vice President at Wacom. “The new Cintiq line is for creators who refuse to settle. It’s not just a tool—it’s the spark that turns ‘what if’ into ‘what’s next.’”

Natural Feel with the Wacom Pro Pen 3

Utilizing the Wacom Pro Pen 3, the new Cintiq models provide responsive, precise pen strokes thanks to enhanced sampling rate and pressure sensitivity. Artists experience fluid lines closely following movement—supporting expression with improved control.

Optional accessories let users customize grip thickness, weight balance, and button layout for comfort during long sessions. Another optional accessory is the Wacom Pro Pen 3 Wood Grip, sold separately, which stands out with its warm, textured finish—offering a more natural feel in the hand for those who prefer an organic touch during long drawing sessions.

Clear Display and Comfortable Viewing

Available in 16.0” (2560 x 1600 resolution) and 23.8” (2560 x 1440 resolution) sizes, the Cintiq line includes Pen-only and a Pen & Touch model (23.8” only). Direct bonding minimizes the gap between the pen tip and the cursor. Anti-glare etched glass reduces reflections and minimizes eye fatigue.

Streamlined Design and Quiet Performance

The flat design with a clean, modern profile supports versatile working angles. Both models are slimmer than their predecessors—the Cintiq 24, for example, is nearly half the thickness of the previous 22” model at just 21mm—making them easier to fit into a variety of workspaces. A fanless design ensures quiet operation and helps users stay focused during long creative sessions, without overheating.

Adjustable Stand and Flexible Setup

The Cintiq 24 includes the Wacom Adjustable Stand, which allows smooth, quiet angle adjustments. The Cintiq 16 comes with fold-out legs and is also compatible with the optional stand, sold separately. Both models are VESA-compatible (75 x 75 mm) for use with third-party monitor arms.

All ports are neatly arranged on the back for simplified cable management. All models support USB-C connection, and the 16” model also supports a convenient single-cable setup with power delivery. HDMI and USB-A ports are available on both models as alternative options.

All models come with time-limited licenses for creative software, including Clip Studio Paint EX and MASV.

Availability

The new Wacom Cintiq models will be available this summer. To learn more, visit:  https://www.wacom.com/products/wacom-cintiq.

About Wacom

About Wacom Wacom is a global leader in digital pen solutions, offering intuitive tools for writing and drawing. Our products are trusted across creative fields—from studios and classrooms to healthcare—supporting students and professionals alike. Wacom pen technologies also power many pen-enabled PCs, tablets, and phones through partnerships with top tech brands.

 

This Press Release has also been published on VRITIMES

 

American Women’s Club of the Philippines Wins FAWCO Grant to Feed Malnourished Children

 

 The American Women's Club of the Philippines has won a grant from the Federation of American Women's Club Overseas in order to support local charity Bukas Palad Foundation in their mission to feed and educate malnourished children and their families.

MANILA, Philippines - June 3, 2025 - In its continuous efforts towards local community service, the American Women’s Club of the Philippines (AWCP) has applied for and now won the Federation of American Women’s Club Overseas (FAWCO) 2025 Development Grant for their project in partnership with the Bukas Palad Foundation in the Critical Health Concerns category. The Bukas Palad Foundation is a non-profit and non-governmental organization located in Pasay City that aims to help impoverished children and elderly with education, livelihood, and sustainable development. 

This grant will be used for Bukas Palad’s nutrition program targeting malnourished children. In addition to regular feedings of nutritious meals, the organization also educates  the children and their families about healthy lifestyle habits to improve behaviors and mindsets that belie the issue of undernutrition. The $5000 of grant money will help fund meals of 20 children and the wages of four staff who will prepare, cook, and transport the meals as well as monitor the childrens’ food intake for 120 school days.

“It’s our first time applying for the FAWCO Health Development Grant and we are overjoyed to have won for the beneficiaries of our partner organization,” says AWCP President Denise Faulhaber. 

This initiative is just one of many charitable endeavors that AWCP pursues. In talking about how this project aligns with AWCP’s core values, Co-President Keri Myers adds that, “As AWCP, we have always been dedicated to serve the community in our host country. For us and our members, it’s important to give back as much as possible.”

This was a particularly critical time for the Bukas Palad’s school based feeding program as new sponsors were needed for the upcoming school year.  Thanks to the FAWCO Development Grant, AWCP has been able to step in to help Bukas Palad continue their important work for the new school year starting this June 2025.

“We are so grateful for the grant and the help that AWCP has extended to us,” says Bukas Palad leadership. “With the grant money, we will be able to continue our work with the children and families and help them become healthier and empower them to lead their lives with healthy habits.”

AWCP also notes that this marks the recognition of a local charity initiative by a global organization. Faulhaber notes the significance of FAWCO as a global entity acknowledging the value in their work here in the Philippines, and hopes that this will invite greater international attention to local grassroots charities and their projects. 

About American Women’s Club of the Philippines

The American Women's Club of the Philippines (AWCP) is a social organization founded in 1979 that assists foreigners arriving to the Philippines with adjusting to local life. Its membership has since expanded to include non-American foreigners as well as locals, and aside from its purpose as a social club, is also committed to service to the local community through collaborations with various charities.