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Phpclasses.org
Jan 29, 2026

The Mulia Smart Test Plugin for Wordpress

Package: The Mulia Smart Test Plugin for Wordpress Summary: Show and process quizes in a WordPress site Groups: Blogs, Content management, PHP 5 Author: Abed Nego Ragil Putra Description: This package can show and process quizes in a Wor…

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globenewswire_fr
Jan 29, 2026

AI Productivity Gains Collide with Economic and Geopolitical Volatility, Forcing a Strategic Reset for Technology Leaders, Reveal Survey Finds

The annual Reveal survey from Infragistics shows a shift from rapid AI experimentation to disciplined execution as tech leaders confront talent shortages, budget pressure, and geopolitical volatility while racing to scale high-impact AI investments in 2026 The annual Reveal survey from Infragistics shows a shift from rapid AI experimentation to disciplined execution as tech leaders confront talent shortages, budget pressure, and geopolitical volatility while racing to scale high-impact AI investments in 2026

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12 Behavioral Psychology Biases That Shape Consumer Decisions Across Digital Products hackernoon
Jan 29, 2026

12 Behavioral Psychology Biases That Shape Consumer Decisions Across Digital Products

User decisions aren’t rational, they’re driven by predictable cognitive biases that spike under uncertainty, time pressure, and high stakes. This article maps the most common biases across the travel journey (anchoring, social proof, framing/“free,” probability bias, authority, choice overload, compromise effect, and more), shows how to diagnose them with experiments + research, and explains what they typically move (CTR, CR, AOV/ARPU, cancellations, support load, CSAT/NPS, retention). The core takeaway: you can’t remove biases, but you can use them ethically—reducing anxiety and uncertainty instead of manufacturing urgency—because short-term conversion gains that erode trust become long-term churn

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Vendor Lock-In vs. Strategic Partnership for Your CI/CD Jetbrains.com
Jan 28, 2026

Vendor Lock-In vs. Strategic Partnership for Your CI/CD

This article was brought to you by Jakkie Koekemoer & Shweta, draft.dev. Traditional wisdom in the dev world is that once you opt for proprietary APIs or vendor-specific tooling, migrating to alternative platforms is costly or impractical to adopt in the futu…

Dmitrii Korovin Read More
Senior Packaging & Graphic Designer / Creative Visionary Behance.net
Jan 28, 2026

Senior Packaging & Graphic Designer / Creative Visionary

Senior Packaging & Graphic Designer / Creative Visionary Location: Irvine, CA Work Style: In Office Most Days Reports To: Chief Creative Officer / Founder turn is fast-moving and rule-breaking with intent. Obsessively designed for feeling, experience,…

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Social Casinos USA With Free Daily Coins and Real Money Prizes manilatimes
Jan 28, 2026

Social Casinos USA With Free Daily Coins and Real Money Prizes

How to Play Social Casinos for Free and Redeem Real Cash PrizesSocial Casinos USA With Free Daily CoinsSocial Casinos USA With Free Daily Coins and Real Money PrizesHOUSTON, Jan. 28, 2026 (GLOBE NEWSWIRE) -- Social casinos have become a popular form of online entertainment in the USA, combining free-to-play gameplay with reward systems that can lead to real money prizes. By 2026, these platforms are increasingly built around daily coin distributions, social-style progression, and prize redemption models that operate separately from traditional gambling frameworks.As SocialCasinos.vip documents, social casinos USA are often described as free social casinos, but many now function as social casinos with prizes, including social casinos with real money prizes presented as real money prizes through structured reward pathways.Free daily coins act as the entry point, allowing users to participate regularly without spending money, while longer-term engagement determines whether prize eligibility becomes achievable. Differences in how coins are allocated, how limits reset, and how prizes are structured make comparison essential, especially as the number of available platforms continues to grow. Socialcasinos.vip helps contextualize these differences by organizing how social casinos function beyond surface-level features.>> Understand Free Coin Social Casinos And Prize Mechanics Clearly >>Access is typically supported by no purchase necessary participation, including an Alternative Method of Entry (AMOE) such as a mail-in sweepstakes entry, which helps keep entry open even when optional purchases are available. Many of these prize-based social casinos are sweepstakes social casinos and free-to-play casinos with rewards, positioned as legal online casino alternatives that separate entertainment play from prize eligibility through a dual-currency casino system.In most cases, the structure follows a two-coin model using Gold Coins (GC) for play and Sweeps Coins (SC) as a redeemable sweepstakes currency tied to eligibility rather than direct wagering.How Social Casinos Work in the USSocial casinos in the US operate under a different framework than traditional gambling platforms, even though they may offer familiar gameplay formats and prize-oriented incentives. Their structure is built around social play, promotional rewards, and optional progression toward prize eligibility rather than direct wagering with real money. Across social casino brands and sweepstakes casino brands, most platforms operate as US-facing social casino sites designed to mirror casino-style entertainment while avoiding wagering classifications.The Difference Between Social Play and GamblingSocial casinos are designed around entertainment-first participation. Gameplay does not require monetary risk, and outcomes during play do not directly translate into financial gains or losses. This model underpins legit social casinos and verified social casino sites, which emphasize fair play standards rather than betting outcomes as the foundation of participation.Comparison AspectSocial Casino ModelGambling ModelEntry requirementFree participationCash wagerFinancial riskNone during playImmediateOutcome purposeEntertainment and rewardsMonetary gain/lossTo support trust, many platforms rely on a random number generator (RNG), routine game fairness testing, and clearly published sweepstakes rules that govern how rewards are earned.This distinction allows social casinos to remain accessible to a broader audience while avoiding wagering-based classifications. Because play itself carries no financial exposure, progression is measured through engagement rather than betting outcomes.Why Free Daily Coins Are Central to AccessFree daily coins form the backbone of social casino participation. They provide regular access without requiring purchases and establish a predictable rhythm of engagement. These systems commonly include free daily coins delivered through a daily login bonus, supplemented by free sweeps coins, free gold coins, and rotating daily promotions.Enable daily participation without costEncourage return visits and routine playControl pacing through fixed or capped distributions Additional engagement layers may include a daily spin bonus, daily wheel bonus, daily mystery bonus, streak rewards, free play credits, or occasional coin giveaways tied to continued participation.Daily coin systems shape how frequently users can engage and how quickly balances change over time.Coin Allocation StyleDistribution PatternUser ExperienceFixed daily grantsSame amount each dayPredictable accessTiered distributionsIncreased over timeIncentivized engagementActivity-linked bonusesConditional rewardsVariable accessWhile participation remains free, platforms typically offer optional coin purchases through coin bundles, in-app purchases, credit card payments, or debit card payments, sometimes paired with purchase bonuses or subscription offers that enhance long-term engagement.Together, these mechanics explain why many platforms are categorized as social casinos with free daily coins rather than purchase-driven entertainment products.These structures allow platforms to balance accessibility with sustainability.How Prize Redemptions Fit Into Social Casino ModelsPrize redemption represents the point where long-term participation can translate into real-world value. Unlike gambling wins, prizes are not tied to individual outcomes but to accumulated eligibility.Redemption ElementFunctionPractical EffectEligibility trackingMeasures participationProgress-based rewardsThreshold requirementsSets minimumsControls pacingRedemption timingDefines processingManages expectationsBecause redemption sits outside gameplay itself, understanding these mechanics is essential for setting realistic expectations around rewards. Social casinos therefore operate as engagement-driven systems, where value emerges gradually rather than instantly.Social casinos that gain long-term trust typically qualify as legit social casinos and verified social casino sites by adhering to fair play standards supported by random number generator (RNG) controls and routine game fairness testing. Secure participation depends on SSL encryption, secure payments handling, and strong data protection policies, all documented through a transparent privacy policy, clear terms and conditions, and published sweepstakes rules.Free Daily Coin Systems ExplainedFree daily coin systems are the backbone of social casino participation, defining how often users can play and how progression unfolds without direct spending. These systems are designed to encourage consistent engagement while maintaining clear limits that protect long-term platform stability. Most free daily coin systems are delivered through browser-based social casinos and mobile social casinos that operate as no-download casino sites, allowing instant access across devices without installation.Although daily coins are often presented as a simple feature, the way they are distributed, reset, and constrained has a major impact on user experience. These systems are commonly implemented on instant-play casino platforms and mobile-first casino platforms designed for fast-loading platforms with minimal friction during daily access.How Daily Coin Allocations Are DistributedDaily coin allocations establish the baseline level of access available to every user. Distribution methods are chosen to balance fairness, engagement, and predictability. From a usability perspective, well-designed distributions are supported by intuitive user interface (UI) choices and streamlined user experience (UX) flows that make coin availability easy to track.Fixed daily grants that provide the same amount to all usersLoyalty-based increases tied to account age or activity streaksTiered systems where allocation grows after repeated loginsEvent-driven boosts layered on top of base daily amounts Users typically monitor these changes through an account dashboard that highlights daily bonuses, claim timers, and remaining free play credits in one place.Distribution structure affects whether participation feels equal, progressive, or performance-driven. Clear allocation logic also helps users understand what to expect over time rather than relying on trial and error.Variations in Coin Reset TimingReset timing determines when daily coins become available again after use. Even minor differences in timing models can influence daily routines and engagement habits. Platforms that function as progressive web apps (PWA) often emphasize reset visibility across mobile-friendly social casinos, desktop social casinos, and hybrid access environments.Reset StyleTiming PatternEffect on AccessFixed daily resetSame time each dayHighly predictableRolling resetBased on last claimFlexible but variableWindow-based resetSet time rangesSemi-predictableReset consistency often matters more than reset frequency, as predictable timing reduces confusion and missed access opportunities. Platforms with unclear reset rules tend to create frustration, especially among regular users.Limits That Shape Daily Coin UsageUsage limits control how quickly daily coins can be consumed and how sessions are paced. Limits are especially important on iOS compatible social casinos and Android compatible social casinos, where quick session access can otherwise accelerate coin usage faster than intended.These limits ensure that access remains spread out rather than concentrated into short bursts.Per-session caps that restrict rapid consumptionDaily maximum usage thresholdsLimits tied to specific activities or play modesCooldown periods after extended use Clear limit indicators help newer users navigate social casino systems confidently, contributing to smoother onboarding and long-term retention.Limits influence whether play sessions feel relaxed and exploratory or tightly managed and segmented. For long-term sustainability, many platforms frame these limits within broader responsible gaming practices, incorporating spending limits, time limits, self-exclusion options, account controls, and dedicated player protection tools to help users manage participation intentionally.When limits align with allocation size, they tend to feel natural rather than restrictive.How Coin Systems Affect Long-Term EngagementOver extended use, daily coin systems shape behavior more than any single reward. Predictable access encourages routine participation, while inconsistent systems often reduce trust and long-term interest.Coin System TraitLong-Term EffectPredictable allocationHabit formationTransparent limitsBetter session planningConsistent resetsReduced frustrationWell-designed daily coin systems support steady engagement without overwhelming users, making them a defining feature of sustainable social casino platforms.Engagement is often reinforced through a welcome bonus, sign-up bonus, no deposit bonus, reload bonus, and layered loyalty rewards delivered through a VIP program or broader casino rewards system, alongside tournaments, leaderboards, social challenges, seasonal promotions, and special events.Real Money Prizes in Social Casino EnvironmentsReal money prizes in social casinos are not the result of individual gameplay outcomes but the culmination of ongoing participation within a structured reward system. Unlike traditional gambling environments, value is introduced only after specific eligibility conditions are met, making prize systems highly dependent on design rather than chance alone. Clear limit indicators help newer users navigate social casino systems confidently, contributing to smoother onboarding and long-term retention.How Prize Eligibility Is Accumulated Over TimePrize eligibility is built through repeated engagement rather than isolated actions. Social casinos track participation metrics that contribute toward eligibility thresholds, ensuring that rewards reflect sustained activity. As eligibility grows, balances eventually qualify for prize withdrawal, but only after meeting platform-defined accumulation conditions designed to control pacing.Eligibility ComponentRole in AccumulationPractical ImpactParticipation frequencyMeasures consistencyEncourages regular playActivity durationTracks time spentRewards steady engagementBalance progressionMonitors eligibility growthControls prize pacingThis staged approach explains why most platforms enforce a minimum redemption threshold and a maximum redemption limit to manage long-term sustainability.Accumulation systems are designed to progress predictably, reducing volatility and allowing users to understand where they stand at any point. Because eligibility grows incrementally, short bursts of activity rarely result in immediate prize access.Redemption Thresholds and Processing TimelinesOnce eligibility requirements are met, redemption becomes possible, but access is still governed by predefined thresholds and processing stages. These steps ensure that prize distribution remains controlled and compliant. Once unlocked, prize withdrawal requests typically move through prize verification steps before reaching processing, which helps reduce abuse and ensure eligibility accuracy.Redemption StageFunctionUser ExperienceThreshold qualificationConfirms minimum eligibilityUnlocks redemption accessVerification phaseValidates account activityShort waiting periodProcessing periodFinalizes prize deliveryScheduled completionDepending on platform maturity, redemptions may be completed through bank transfer payouts, ACH payouts, or gift card prizes rather than instant delivery.Redemption timelines can vary depending on platform structure, but consistency in processing behavior often matters more than speed. Clear expectations around timing help reduce uncertainty and improve trust in the reward system. Prize systems may include cash prize redemptions and gift card prizes, with prize withdrawal behavior shaped by minimum redemption threshold rules, maximum redemption limit caps, and processing stages such as pending redemptions and prize verification, which determine whether platforms support fast prize payouts or instant prize redemption.Some platforms emphasize fast prize payouts or even instant prize redemption for smaller amounts, while others rely on pending redemptions to maintain operational control.Why Prize Availability Differs Across PlatformsPrize availability is influenced by how each platform balances engagement, sustainability, and operational limits. Differences in system design lead to varying experiences even under similar participation levels. Differences in prize access often reflect how platforms balance speed, verification rigor, and payout infrastructure rather than generosity alone.Platform ApproachPrize Availability StyleLong-Term EffectConservative designSlower, steadier accessHigh predictabilityBalanced designModerate pacingSustainable engagementAggressive designFaster qualificationHigher volatilityThese differences explain why some platforms emphasize gradual rewards while others allow quicker access at the cost of tighter controls later. Real money prizes in social casinos are therefore best understood as structured outcomes shaped by long-term participation rather than instant results.State-Level Access and Restrictions for Social CasinosSocial casinos operate nationwide under promotional gaming frameworks, but practical access is shaped by how individual states interpret and monitor these models. While platforms aim for broad availability, differences in regulatory sensitivity mean that features, limits, and prize mechanics may change depending on location.These variations are not always obvious at first use, yet they play a major role in how consistently social casinos function over time. Across social casinos USA, availability is shaped by how each state interprets promotional gaming, positioning many platforms as legal online casino alternatives rather than regulated gambling products.States With Broad Social Casino AccessIn some states, social casino models are viewed as low-risk promotional entertainment, allowing platforms to offer full feature sets with minimal adjustments. In these regions, access to free daily coins and prize progression tends to remain stable. In these regions, free social casinos and prize-based social casinos typically operate as US-facing social casino sites that allow consistent access to free-to-play casinos with rewards.Access ProfileRegulatory ClimateUser ExperienceBroad accessClear promotional acceptanceConsistent featuresStable accessEstablished precedentsPredictable participationMature environmentsLow enforcement pressureFewer interruptionsPlatforms in broad-access states are more likely to support mobile social casinos and browser-based social casinos through no-download casino sites that function as instant-play casino platforms.Players in these states are less likely to encounter sudden changes in coin allocation, limits, or prize availability.Broader access environments also allow platforms to maintain uniform rules over longer periods, which improves usability.States With Conditional or Limited ParticipationOther states permit social casino operation but require additional controls. These controls are often designed to reduce exposure while still allowing free-to-play participation. In these states, social casinos with real money prizes often rely on stricter controls to remain compliant while preserving sweepstakes social casinos structures.Restriction FocusArea AffectedPractical ImpactParticipation limitsDaily access frequencyReduced play windowsBalance capsCoin accumulationSlower progressionPrize controlsRedemption pacingExtended timelinesConditional access environments frequently apply location-based rules to mobile-first casino platforms, affecting how daily rewards and prize withdrawals behave across regions.Conditional participation does not remove access entirely, but it changes how engagement feels over time. In these states, users may notice differences in how quickly daily coins reset or how prize eligibility accumulates.How Platforms Adapt Features Based on LocationTo manage regional differences efficiently, most social casinos rely on adaptive systems rather than separate state-specific platforms. These systems adjust behavior dynamically based on user location. These adaptive systems are commonly deployed across instant-play casino platforms designed for mobile-first access rather than fixed desktop-only environments.Feature availability toggled by stateDynamic limits applied to participation or balancesRedemption pacing adjusted to local expectationsTemporary changes during regulatory review periods This approach allows platforms to distinguish allowed participation from restricted participation without fragmenting their core infrastructure.Adaptive design allows platforms to remain operational nationwide while responding to regional requirements.From a user perspective, this explains why the same account may behave differently when accessed from different locations. What appears to be inconsistency is often the result of location-based system logic rather than platform instability.How Players Use Social Casinos Over TimeSocial casino engagement tends to evolve as users become more familiar with daily coin systems, prize eligibility mechanics, and platform limits. What often begins as casual experimentation can shift into more deliberate patterns once players understand how access and progression behave across weeks rather than individual sessions. Structured users often gravitate toward platforms like Crown Coins Casino, Hello Millions, Mega Bonanza, Fortune Coins, Zula Casino, and High 5 Casino, where progression systems are designed to reward consistency over time.Over time, players interact with social casino brands such as Chumba Casino, LuckyLand Slots, Global Poker, Stake.us, Pulsz, Pulsz Bingo, WOW Vegas, and McLuck as part of a broader ecosystem of sweepstakes casino brands offering long-term engagement rather than instant outcomes.Usage over time is shaped less by individual outcomes and more by how predictably systems respond to repeated participation. Most leading platforms operate as mobile-friendly social casinos, supporting iOS compatible social casinos, Android compatible social casinos, and desktop social casinos through fast-loading platforms, progressive web apps (PWA), and streamlined user interface (UI) and user experience (UX) design within a centralized account dashboard.Casual Participation and Daily Coin HabitsMany users approach social casinos with a light-touch mindset, focusing on collecting free daily coins and engaging in short sessions without tracking long-term progression. This style emphasizes entertainment and routine rather than outcomes. At this stage, most platforms feel similar, offering social casino slots and slot-style games alongside table-style games such as blackjack-style games, roulette-style games, video poker, and casual formats like bingo-style games and keno-style games.Logging in primarily to claim daily coinsShort play sessions with minimal balance trackingLimited attention to eligibility thresholds Casual habits tend to keep expectations low, which can reduce frustration but also slow any meaningful progression toward prize eligibility. Casual users are also more likely to engage with arcade-style games, fishing games, instant win games, and crash games, where session length is short and expectations remain low.Usage PatternTime CommitmentTypical ResultDaily check-insVery lowSteady accessOccasional playLowMinimal progressionIrregular sessionsVariableInconsistent outcomesThis approach works best for users who value flexibility over advancement.Structured Engagement for Prize ProgressionOver time, some users adopt more structured habits once they recognize how daily coins contribute to longer-term eligibility. These players pay closer attention to pacing, limits, and accumulation behavior.Engagement StyleFocus AreaLong-Term EffectConsistent sessionsPredictable accessGradual progressionBalanced pacingLimit awarenessFewer interruptionsThreshold trackingEligibility growthClear milestonesAs engagement deepens, these users begin paying attention to higher-variance formats such as progressive jackpots, daily jackpots, network jackpots, and emerging live dealer social games where eligibility pacing becomes more pronounced.Structured engagement does not require increased intensity, but it does rely on consistency and awareness of system behavior. Players following this approach are more likely to notice how small daily actions compound over extended periods.How Expectations Change With ExperienceAs familiarity increases, expectations tend to shift from immediate rewards to system reliability. Experienced users often judge platforms based on consistency rather than generosity. At this stage, players frequently compare platforms like Moonspin, Spree, Sportzino, Jackpota, Ruby Sweeps, Funzpoints, RealPrize, Rolling Riches, VegasGems, and Fortune Wheelz to evaluate which environments align best with their long-term engagement style.Experience LevelPrimary ExpectationEvaluation FocusNew usersEasy accessDaily coin availabilityRegular usersPredictabilityLimit behaviorLong-term usersReliabilityPrize consistencyMore experienced users also begin valuing community elements such as a visible social casino community, player chat, friend invites, referral bonuses, social sharing tools, community leaderboards, and player achievements as part of sustained engagement.At this stage, players often compare platforms using structured reference points such as socialcasinos.vip, which help contextualize how different social casinos behave over time rather than during isolated sessions.In SummarySocial casinos in the USA have developed into structured entertainment platforms where free daily coins act as the primary access point and real money prizes are earned through long-term participation rather than instant outcomes. As a result, many platforms now position themselves among the best social casinos USA by combining free daily coins with structured access to social casinos with real money prizes rather than relying on short-term incentives.Understanding how daily coin systems are distributed, reset, and limited provides essential context for how engagement unfolds over time. In parallel, prize eligibility and redemption mechanics highlight why patience, consistency, and system awareness matter more than short-term activity.As the market moves into 2026, meaningful comparison depends on recognizing how structure influences experience. Platforms differ in how they balance accessibility, pacing, and sustainability, which directly affects long-term usability. Evaluating social casinos through their coin systems, prize behavior, and consistency allows for clearer expectations and more informed engagement in an increasingly crowded landscape. Comparisons increasingly focus on social casinos with free daily coins, high reward social casinos, and beginner-friendly social casinos that balance accessibility with predictable prize systems. As a result, legit social casino reviews increasingly function as a social casino bonuses comparison, highlighting platforms that combine optional coin purchases with social casinos with fast payouts rather than short-term promotional intensity.AttachmentSocial Casinos USA With Free Daily CoinsCONTACT: Maria NolanDirector of CommunicationsSocialcasinos.vipmaria@socialcasinos.vip

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The Smart Founder’s Guide to Hire IOS Developers in 2026 techbullion
Jan 28, 2026

The Smart Founder’s Guide to Hire IOS Developers in 2026

Building a successful iOS app in 2026 is no longer just about having a great idea. It’s about executing that idea with the right technology, the right strategy, and most importantly, the right iOS developers. With Apple’s ecosystem evolving rapidly, user expectations rising, and competition becoming fiercer, hiring iOS developers has turned into a strategic [...]The post The Smart Founder’s Guide to Hire IOS Developers in 2026 appeared first on TechBullion.

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Blip Seed Funding: Strategic $6M Boost Accelerates On-Chain Finance Revolution bitcoinworld
Jan 28, 2026

Blip Seed Funding: Strategic $6M Boost Accelerates On-Chain Finance Revolution

BitcoinWorldBlip Seed Funding: Strategic $6M Boost Accelerates On-Chain Finance RevolutionIn a significant move for the decentralized finance sector, the on-chain finance application Blip has successfully secured $6 million in a seed funding round. This strategic capital infusion, led by the prominent venture firm Blossom Capital and reported by The Block, signals strong investor confidence in streamlined, user-centric DeFi solutions. Consequently, the company now plans [...]This post Blip Seed Funding: Strategic $6M Boost Accelerates On-Chain Finance Revolution first appeared on BitcoinWorld.

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How to Design with Custom Design Components in UXPin Merge Uxpin.com
Jan 27, 2026

How to Design with Custom Design Components in UXPin Merge

Design with production-ready React components in UXPin Merge to build accurate, interactive prototypes, align design and development, and export JSX for handoff. The post How to Design with Custom Design Components in UXPin Merge appeared first on Studio by U…

Andrew Martin Read More
Gaiwan: Hire Us! Gaiwan.co
Jan 27, 2026

Gaiwan: Hire Us!

Hire Us! We are actively pursuing new work with clients old and new. We're in the first place interested in Clojure/ClojureScript gigs, but happy to chat about any potential leads even if you yourself are not hiring. Things we can do for you: * Long- or s…

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Interactive Brokers Group Q 2026 Earnings Call Transcript benzinga
Jan 27, 2026

Interactive Brokers Group Q 2026 Earnings Call Transcript

Interactive Brokers Group (NASDAQ:IBKR) reported quarterly financial results on Tuesday. The transcript from the company's quarterly earnings call has been provided below.This transcript is brought to you by Benzinga APIs. For real-time access to our entire catalog, please visit https://www.benzinga.com/apis/ for a consultation.Access the full call at https://edge.media-server.com/mmc/p/kn4fsnv7/Full TranscriptOPERATORThank you for standing by and welcome to Interactive Brokers Group fourth quarter 2025 earnings conference call. At this time all participants are in a listen only mode. After the speaker presentation there will be a question and answer session. To ask a question during the session you will need to press Star 11 on your telephone to remove yourself from the queue. You may press Star-11 again. I would now like to hand the call over to Nancy Stube, Director of Investor Relations. Please go ahead.Nancy StubeThank you. Good afternoon and thank you for joining us for our fourth quarter 2025 earnings call. Joining us today are Thomas Petterfy, our Founder and Chairman, Milan Gallick, our President and CEO and Paul Brody, our CFO. I will be presenting Milan's comments on the business and all three will be available at our Q and A. As a reminder, today's call may include forward looking statements which which represent the company's belief regarding future events which by their nature are not certain and are outside of the company's control. Our actual results and financial condition may differ possibly materially from what is indicated in these forward looking statements. We ask that you refer to the disclaimers in our press release. You should also review a description of risk factors contained in our financial reports filed with the SEC. In the fourth quarter, we continue to demonstrate the power and leverage of our diversified, fully automated global platform which serves the full spectrum of investors from those new to the markets buying their first fractional share of a magnificent seven stock in a cash account through sophisticated traders benefiting from low cost and geographical reach to professionals using our APIs and algorithms to execute advanced quantitative strategies in portfolio margin accounts. Many clients start gradually and evolve into active, sophisticated traders and our platforms are designed to support that entire journey, supporting their growth with us along the way. At every stage. We continue to see strong international interest in the global SECurities markets on a SECular basis as people around the world seek higher returns on their assets as interest rates decline and as other financial institutions pay them less. In 2025 we added more than 1 million net new accounts, an annual record for the firm. Client equity rose 37% to $780 billion, an increase of more than $200 billion year over year and the first time we've ended a year with over three quarters of a trillion dollars in client assets. Cyclically, rising markets and expectations for lower interest rates drive increased client engagement. Clients traded actively, grew more comfortable taking on risk, increased their market exposure and made greater use of leverage through margin loans. They also expanded beyond equities into other asset classes, including options and futures. Client centric focus, by which we mean delivering global market access at extremely competitive pricing on state of the art platforms is best reflected in one simple measure our clients' performance. In 2025 the S&P 500 rose 17.9%. By comparison, our clients' outperformed Individual investors here were up on average 19.2% or 130 basis points above the S&P 500. Financial advisors were up 20.57% on average or 267 basis points above the market. Hedge fund clients were up 28.91% on average, a full 11 percentage points ahead of the S&P. This performance is the direct result of our focus on empowering clients through low trade and margin pricing and less drag from costs, superior trade execution, advanced order types and algorithms, the advantage of attractive interest rates on cash and short proceeds, as well as the many advantages of our platforms from AI and research tools to comprehensive educational offerings. It is why clients come to us. No gimmicks, no games, just the best prices and the most comprehensive platforms. It is why the best informed investors choose interactive brokers. That client focus combined with strong global demand for investing translated into exceptional financial results. Quarterly adjusted pretax income reached a record level of more than 1 billion for the fifth consecutive quarter despite lower interest rates for the full year we generated more than $6 billion in net revenues for the first time. We continually invest in improving our platform from front to back end and supported by a global team of programmers who deliver new functionality, ongoing enhancements and client driven improvements while also meeting the diverse regulatory requirements across the many market centers and currencies we support this year. Sorry. Throughout 2025 we introduced a wide range of new products and enhancements worldwide guided by deep engagement with and a strong understanding of the needs of our diverse client base. This year we expanded market access to Brazil, Taiwan, the UAE and Slovenia with additional countries planned for 2026. We continue to add to our ever growing list of country specific tax advantaged funds. We offer traditional and Roth IRAs in the US as well as Canadian RRSPs and TFSAs, UK ISAs, French peas and Hungarian TBSZs. This year we added Swedish ISKs, Japan's NESAs and Canadian FHSAs. We now have several billion dollars of client assets in these accounts and are able to support individual investors at all stages of their investment journey. From a funding perspective, clients can now fund their accounts using stablecoin, making cross border account funding easier and available. 24,7 we doubled the amount of cash eligible for our FDIC sweep program from 2.5 to 5 million for individual accounts and from $5 million to $10 million for joint accounts. In October, we teamed with Carta to introduce our premium charge card globally. The Carta Visa Infinite Card allows eligible clients to link their accounts and and access their cash instantly anywhere in the world with no foreign transaction fees, an especially compelling benefit for our global client base and it comes with premium cardholder benefits. Platform wise Our Global Trader 2.0 mobile platform was launched with a comprehensive UI UX revamp and an all new look and feel. Quick access trading tools accessible via a swipe or long press were added, Watch list management was streamlined and AI News Summaries incorporated. Our leading edge IBKR desktop platform delivered several highly requested enhancements this year including multi monitor support with independent windows for charts, option chains and more, multiple new screener filters, a named strategy selector for clients to quickly access, popular combo strategy types and a new Linux beta installer. Extending IBKR Desktop into the Linux ecosystem and addressing another long standing client request. We introduced Connections, where clients can enter a company's ticker and explore its broader investment ecosystem including options, ETFs that hold the stock, forecast contracts, related economic indicators, competitors and more. This feature is already seeing strong engagement. We have embedded artificial intelligence throughout our organization, benefiting both clients and employees. We launched AI Powered Investment Themes, which allows clients to enter a concept such as nuclear energy or quantum computing and instantly receive a list of actionable investment ideas, significantly streamlining the research process. We also launched AI Generated News summaries receiving FINRA's approval mid year. These summaries deliver timely, relevant news directly tied to clients portfolios, helping them stay more informed across our platforms. We launched the first version of Ask ibkr, an innovative AI powered tool that lets our clients' interact with and ask questions in plain English about their portfolios. Clients can ask about performance and allocation analysis, track their activity and get performance attribution. They can ask to compare their performance versus various benchmarks, find their top dividend payers, calculate their capital gains and losses, and analyze sector exposure. Performance can be analyzed across flexible time frames, one year, one month period to date, et cetera. Staying on top of an active portfolio with rapid access to a wide breadth of data is critical for successful investors. Beyond these highlights, we have delivered a wide range of enhancements and new features. I encourage you to explore our platforms on our website or better yet, request a demo. Seeing our offerings firsthand across a broad range of client types and experience levels is the best way to appreciate what we have accomplished in other areas of our business. To further enhance execution quality, we expanded our network of liquidity providers across bonds, options, overnight trading, international stocks and ETFs and ADRs. And to further support our non US client base, we translate our investor education courses and webcasts into multiple languages, making it easier for clients around the world to get started on investing on our platform. Trading volume during our overnight hours continues to grow rapidly, up 76% from last quarter and more than 130% from the fourth quarter of last year. Providing deep liquid markets that are not constrained by US regular trading hours is critical to meeting the needs of a globally active client base. And finally a note on ForecastX we created this exchange, which is regulated by the Commodity Futures Trading Commission (CFTC), to support trading on consequential predictions with measurable third party verified outcomes. ForecastX traded 286 million pairs this quarter, up from 15 million pairs in the third quarter, and now has four members quoting into the exchange which has over 10,000 listed instruments. Our pipeline of new business, new initiatives and enhancements remains as strong as ever and our platforms resonate with people around the globe. We are not stopping here to rest on our achievements. We have many projects to work on which we will look forward to sharing with you once they become a reality. With that, I will turn the call over to our CFO Paul Brody.Paul BrodyPaul thank you Nancy. Welcome everyone to the Call. We'll start with our revenue items on page three of the release. We are pleased with our financial results this quarter as we produced near record net revenues and pre tax income for the quarter and record results in all the major financial categories for the year. Commission revenues rose to a record $582 million this quarter. For the full year commissions were 2.1 billion, up 27% from last year driven by higher trading volumes across the major product categories. Net interest income ...Full story available on Benzinga.com

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RIP Low-Code 2014-2025 Zackliscio.com
Jan 26, 2026

RIP Low-Code 2014-2025

Article URL: https://www.zackliscio.com/posts/rip-low-code-2014-2025/ Comments URL: https://news.ycombinator.com/item?id=46767440 Points: 5 # Comments: 3

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What "The Best" Looks Like Kuril.in
Jan 26, 2026

What "The Best" Looks Like

A startup CTO's guide to what "the best" really means—how to spot non-obvious high performers and the traits that make early-stage teams win.

Unknown Read More
Responsive Design for Touch Devices: Key Considerations Uxpin.com
Jan 26, 2026

Responsive Design for Touch Devices: Key Considerations

Design touch-first responsive interfaces with proper touch target sizes, thumb-friendly layouts, scalable typography, immediate feedback, and real-device testing. The post Responsive Design for Touch Devices: Key Considerations appeared first on Studio by UXP…

Andrew Martin Read More
Show HN: DayZen: Visual day planner for ADHD brains Apple Newsroom
Jan 24, 2026

Show HN: DayZen: Visual day planner for ADHD brains

Hey HN,I've struggled with time-blindness my whole life. ADHD means I can write 14 tasks on a to-do list and genuinely believe I'll finish them before lunch. Reality disagrees at 11 PM when everything falls apart.DayZen is my solution: your day as a 24-hour r…

Kavolis_ Read More
Best Practices for Real-Time Feedback in Prototyping Uxpin.com
Jan 24, 2026

Best Practices for Real-Time Feedback in Prototyping

Real-time feedback in prototyping exposes usability issues early, speeds iterations, and aligns design with users via live testing, in-app comments and analytics. The post Best Practices for Real-Time Feedback in Prototyping appeared first on Studio by UXPin.

Andrew Martin Read More
Bymitch.com
Jan 24, 2026

Show HN: I built a dumb website using AI – Bets by Mitch

Bets by Mitch What’s Bets by Mitch I am a notoriously bad sports gambler. It feels like I lose every bet I place. I don’t place too many crazy parlays either. I usually bet the spread, but just lose. I have tried strategies like doing the opposite of what I t…

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STEM fresher hiring takes a hit as India Inc scouts for skilled talent economictimes_indiatimes
Jan 24, 2026

STEM fresher hiring takes a hit as India Inc scouts for skilled talent

India Inc is prioritizing industry-ready STEM freshers, with hiring expected to drop significantly this fiscal year. Companies are focusing on skilled talent for AI, data analytics, and cloud platforms, leading to higher entry-level salaries for specialized roles. This shift reflects a move towards a leaner, more strategic workforce.

prachi verma Read More
Multivariate Testing vs AB Testing Cheat Sheet Crazyegg.com
Jan 23, 2026

Multivariate Testing vs AB Testing Cheat Sheet

A/B testing and multivariate testing (MVT) are two different ways to optimize your website. Both let you test changes, measure the results, and make improvements... The post Multivariate Testing vs AB Testing Cheat Sheet appeared first on The Daily Egg.

Peter Lowe Read More
Real-Life Minimap: ESP32 Minimap Pulled Off The Impossible Bitrebels.com
Jan 23, 2026

Real-Life Minimap: ESP32 Minimap Pulled Off The Impossible

When someone says a microcontroller cannot do something, the conversation usually ends before the engineering work begins. That is exactly the tension this project embraced: a Need for Speed Underground 2 style minimap running on an ESP32 P4 with a 3.4-inch 8…

Ryan Mitchell Read More
Phpclasses.org
Jan 22, 2026

Attendance QR Plugin Wordpress

Package: Attendance QR Plugin Wordpress Summary: Track user attendance using a QR Code verification Groups: Applications, Blogs, User Management Author: Abed Nego Ragil Putra Description: This package can track user attendance using a QR…

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Mozilla.org
Jan 22, 2026

Mozilla Localization (L10N): L10n Report: January Edition 2026

Please note some of the information provided in this report may be subject to change as we are sometimes sharing information about projects that are still in early stages and are not final yet.  Happy New Year!   What’s new or coming up in Firefox desktop Pre…

Peiying Mo Read More
business-standard
Jan 22, 2026

Designing the Language That Shapes What the World Understands

Bangalore (Karnataka) [India], January 22: At the School of Design, Media, and Creative Arts (SDMCA), JAIN (Deemed-to-be University), the B.A. (Honours) User Experience and User Interface (UI / UX) Program is redefining how digital experiences are imagined, designed, and delivered. This four-year, studio-intensive undergraduate Program prepares students to become human-centred designers capable of shaping intuitive, ethical, and future-ready digital interactions across platforms, devices, and emerging technologies--positioning SDMCA among institutions shaping the next generation of UI/UX professionals in India.

Unknown Read More
Best Table Tennis Betting Sites in 2026: Top Promos & Betting Bonuses metrotimes
Jan 22, 2026

Best Table Tennis Betting Sites in 2026: Top Promos & Betting Bonuses

Most US sportsbooks treat table tennis as an afterthought, often ignoring the daily volume from the Setka Cup or Czech Liga Pro. BetOnline is the exception and my overall top pick for 2026, offering the deepest market coverage and fastest grading during live matches. While their odds are consistently competitive, be aware that their desktop [...]The post Best Table Tennis Betting Sites in 2026: Top Promos & Betting Bonuses appeared first on Detroit Metro Times.

nathalie eder Read More
Business News | Designing Meaning in a Digital World Begins with One Informed Choice latestly
Jan 22, 2026

Business News | Designing Meaning in a Digital World Begins with One Informed Choice

Get latest articles and stories on Business at LatestLY. Bangalore (Karnataka) [India], January 22: In a world where every click, screen, and service shapes human behaviour, User Experience Design has emerged as a discipline that blends empathy, research, strategy, and technology. The M.A. User Experience and User Interface (UI/UX) Program at the School of Design, Media, and Creative Arts (SDMCA), JAIN (Deemed-to-be University), is created for learners who wish to move beyond interfaces and begin shaping experiences that matter.

ani Read More
Business News | Designing the Language That Shapes What the World Understands latestly
Jan 22, 2026

Business News | Designing the Language That Shapes What the World Understands

Get latest articles and stories on Business at LatestLY. Bangalore (Karnataka) [India], January 22: At the School of Design, Media, and Creative Arts (SDMCA), JAIN (Deemed-to-be University), the B.A. (Honours) User Experience and User Interface (UI / UX) Program is redefining how digital experiences are imagined, designed, and delivered. This four-year, studio-intensive undergraduate Program prepares students to become human-centred designers capable of shaping intuitive, ethical, and future-ready digital interactions across platforms, devices, and emerging technologies--positioning SDMCA among institutions shaping the next generation of UI/UX professionals in India.

ani Read More
Designing Meaning in a Digital World Begins with One Informed Choice aninews
Jan 22, 2026

Designing Meaning in a Digital World Begins with One Informed Choice

Bangalore (Karnataka) [India], January 22: In a world where every click, screen, and service shapes human behaviour, User Experience Design has emerged as a discipline that blends empathy, research, strategy, and technology. The M.A. User Experience and User Interface (UI/UX) Program at the School of Design, Media, and Creative Arts (SDMCA), JAIN (Deemed-to-be University), is created for learners who wish to move beyond interfaces and begin shaping experiences that matter.

ani news Read More
Top 4 IT monitoring tools for 2026 techtarget
Jan 22, 2026

Top 4 IT monitoring tools for 2026

Effective monitoring is a cornerstone of any IT environment. Examine the available tool options for IT monitoring, and compare their features, benefits and costs.

brien posey Read More