Oscar ($OSCR), like its competitors, has been negatively impacted by the rise in the US morbidity rate. Morbidity refers to the average health deterioration in the US population. While the exact cause is unknown, Americans are now less healthy. The impact is reflected in the "Medical loss ratio" line on the income statement. This means the company is now paying more premiums back to policyholders as claims. I thought morbidity could be a problem, but Oscar could manage it with artificial intelligence applications. It seems I was wrong, at least for now. I was predicting OSCR could better select and price patients with AI, but that's been a lie for now. 📈 Oscar Health 2025 Q2 Results Announced! 📉 Oscar Health announced its Q2 2025 financial results. While revenue and EPS fell short of expectations, the company maintained its year-end revenue guidance. Here are the details: 🔹 Revenue: 2.86 Billion (Expected 2.92 Billion) 🔴 🔹 Earnings per Share (EPS): -0.89 (Expected -0.84) 🔴 🔹 Memberships: 2.03 Million (+29% YoY increase) Annual revenue guidance remained unchanged at 12.0 Billion - 12.2 Billion. The company stated that it experienced a loss in the quarter due to increased risk adjustment costs in the insurance market. CEO Mark Bertolini: "We believe the individual market has long-term potential and that the future is in healthcare." #OscarHealth #OSCR #Finance #StockMarket #Technology #Healthcare #Investment #Economy

Tech billionaire Jack Dorsey has officially launched Bitchat on the App Store. This app lets users send encrypted messages and even transfer Bitcoin transaction data via Bluetooth, without needing an internet connection or cell signal. Bitchat uses Bluetooth Low Energy (BLE) mesh technology, where each device acts as a node. Messages and transaction data can “hop” from one device to another until they reach their destination—or even to a node with internet access to broadcast Bitcoin transactions to the network. The app doesn’t require an account, phone number, or central server. All communication is peer-to-peer (P2P) with end-to-end encryption. It also includes a panic mode to instantly wipe all local data. For Now… Bitchat’s Bitcoin feature is limited to sending transaction data, which still needs an internet connection at the final point to be recorded on the blockchain. Looking Ahead… With further development, this technology could become more independent, faster, and wider-reaching—paving the way for a fully decentralized offline transaction ecosystem in the future. Bitchat is now available on the App Store, while the Android version is still in development. What do you think? #changemakersnft #bitchat #bitchatmesh #appstore #apple

IOHK just released Cardinal! Cardinal defines a secure, trustless mechanism for Bitcoin holders to access DeFi — by wrapping their UTXOs (as demonstrated with Ordinals) and unlocking opportunities for a number of possible use cases like staking, lending, borrowing, and more. This marks the beginning of a new era for Bitcoin DeFi, powered by Cardano’s extended UTXO model and smart contracts combined with BitVMX technology for extending Bitcoin programmability.