Fintech stocks came under broad pressure in the first quarter of 2026, as investors pulled back from growth names in a more uncertain macro environment.

The valuations across the sector fell sharply, with fintechs significantly underperforming the broader market. One notable exception was Freedom Holding Corp., whose shares rose nearly 17% over the period. The move was supported by its more diversified ecosystem business model, which extends beyond financial services into telecom, travel, and other lifestyle segments.

A decline in fintech valuations was highlighted in a report titled “Fintech’s rapidly melting market cap,” published in mid-April by PitchBook, a leading provider of financial data and analytics. “The public fintech sector entered 2026 with momentum, but the first quarter turned sharply as the Iran war drove energy inflation, reversed rate-cut expectations, and pushed investors into a risk-off posture. With 18% of the sector’s market cap being wiped out and median cohort returns ranging from -13% to -35.3%, fintech significantly underperformed the broader market in Q1,” according to the report. Not that fintech companies suddenly got worse, rather investors became less willing to pay high valuations for growth stocks in a more uncertain, inflation-sensitive environment.

Fintech Under Pressure

Declines were widespread across nearly all segments of fintech, spanning credit-focused Buy Now Pay Later (BNPL) providers, brokers, and payment platforms.

BNPL stocks came under pressure as investors pulled back from high-growth, credit-sensitive business models amid rising inflation concerns and fading expectations for interest-rate cuts. Klarna Group (KLAR), a provider of flexible payments that earns revenue from consumer installment lending and merchant fees, fell 54% in Q1 2026. Affirm Holdings (AFRM), which offers transparent installment plans and consumer lending products with no hidden fees, lost 38% over the first three months of the year.

Even the traditional lending segment, typically seen as less risky than consumer credit, was not immune. Upstart Network (UPST), an AI-driven lending platform that uses proprietary machine-learning models to underwrite personal, auto, and home equity loans, fell 44% over the period. Retail brokerage and investing platforms also came under pressure. Robinhood Markets (HOOD), the operator of the pioneering commission-free trading app Robinhood, fell 40% over the quarter.

Digital payments and money transfer fintechs held up better but still saw a decline in market cap. Shares of PayPal Holdings (PYPL), one of the most established global payments fintechs operating across roughly 200 markets, declined 22%. The stock of Block Inc. (XYZ), which runs Square, Cash App, and Afterpay and spans payments, merchant services, peer-to-peer transfers, and BNPL, fell 8%.

The downturn also extended to the neobank and consumer financial platform segment. SoFi Technologies (SOFI), which is building an all-in-one ecosystem spanning savings, banking products, lending, investing, and wealth protection within a single app, saw its market capitalization fall 42%. Even Nu Holdings (NU), one of the largest digital financial services platforms and a global neobank pioneer, serving approximately 131 million customers across Brazil, Mexico, and Colombia through its branchless model, declined 16% in Q1.

Freedom Holding: A Different Story

Shares of Freedom Holding Corp. moved in the opposite direction in Q1, gaining nearly 17% from $124.23 at the start of January to $144.88 on March 31. The stock continued higher into April, breaking above $160 mid-month. Freedom’s market capitalization has surpassed $9.5 billion. The growth has been supported by a series of positive corporate developments, including continued expansion into international markets, ongoing integration of Freedom Holding’s ecosystem, and strong financial results.

Revenue for the quarter ending December 31, 2025, rose to $628.6 million from $526.1 million in the previous quarter, while net income nearly doubled from $38.7 million to $76.2 million. Over the first nine months of the fiscal year, the group generated $1.69 billion in revenue and $144.5 million in net income. These numbers reflect the growing investments in further development of Freedom’s ecosystem, which integrates financial, telecom, and lifestyle businesses and is available to clients through the holding’s SuperApp, which now serves 11 million users.

In its core market of Kazakhstan, the group operates a leading brokerage, a top-ten bank by assets, and maintains strong positions in insurance. It is also strengthening its domestic banking presence through additional acquisitions

In neighboring Tajikistan, the group based on Freedom Bank Tajikistan is replicating the model, which has been previously tested and refined in Kazakhstan. As Freedom Holding sees the banking business as a locomotive for the entire multi-industrial ecosystem, it is acquiring new banks in Georgia and Turkey. Recently, the management also announced plans to buy banks in Armenia and France.

Besides that, in Europe, the group is actively developing its travel segment services, such as ticketing, bookings, and events. Freedom Holding Corp’s travel-focused subsidiary plans to cover all traveler needs, from a global hotel aggregator set to launch in May 2026, to transfers, excursions, curated tours, visa support, and more. With this, the holding seeks to compete with those of the largest international platforms, such as Booking.com and Airbnb.

In technology, the group is investing in proprietary AI tools and assistants and plans to develop a national AI hub in partnership with Nvidia to support the broader adoption of artificial intelligence across up to 70% of the Kazakhstan population.

To finance all these movements, Freedom Holding is considering a potential secondary share offering outside the United States, in Kazakhstan, and possibly in Hong Kong.

The Ecosystem Advantage

Analysts point to the company’s more diversified business model, which extends beyond financial services. Unlike many fintechs that rely mainly on lending, payments, or brokerage activity, Freedom has multiple revenue streams, which have helped support its share price growth during the sector-wide decline.

“The era of stand-alone financial services is coming to an end. The future lies in super-apps that integrate financial services into everyday life – from grocery shopping to travel planning. Banking will increasingly become an invisible layer embedded within these ecosystems,” says Saurabh Tripathi, Senior Partner and Global Leader of the Financial Institutions practice at Boston Consulting Group.

According to Fortune Business Insights, the global fintech market was valued at $394.9 billion in 2025 and is projected to reach $1.76 trillion by 2034, implying a CAGR of 18.2%. Much of that growth, however, is increasingly expected to come from embedded financial services integrated into broader digital ecosystems rather than delivered as standalone products.

Read more:
Freedom Holding Corp. Rises as Global Fintech Stocks Fell in GL 2026

Choosing the right business law firm is one of the more important decisions you will make as an SME owner. It shapes how you handle risk, manage transactions, and deal with issues as they come up.

If you want a clear way to assess your options, focus on five things:

• Breadth of legal services under one roof
• Commercial understanding, not just legal knowledge
• Transparent and predictable fees
• Relevant transaction and sector experience
• Easy access to consistent, experienced advisers

Get these right, and everything else tends to follow.

Does the Firm Cover All the Legal Areas Your Business Needs?

Most SMEs do not deal with legal issues in isolation. Employment, contracts, property, and corporate work often overlap, sometimes within the same transaction. If your firm only covers part of that, you end up managing multiple advisers. That usually means higher costs, slower progress, and more chances for gaps.

Rubric Law provides legal services across corporate, employment, commercial, and dispute resolution, giving SMEs a single, consistent point of contact as different issues arise. This matters most when legal areas connect.

An acquisition with TUPE implications, or a business sale linked to a property transaction, needs joined-up advice. If teams are not aligned, issues tend to surface later, when they are harder and more expensive to fix.

When comparing firms, ask which areas they handle in-house. If work is referred out, it adds time, cost, and another layer to manage.

Does the Firm Offer Commercial Insight?

Legal accuracy should be a given. What actually makes a difference is whether the firm can explain what that legal position means for your business.

Think about it this way. You are not just asking, “Is this clause enforceable?” You are really asking, “What does this mean for me, and what should I do next?”

A good adviser will talk in terms of risk, options, and likely outcomes. They will connect the legal detail to your commercial reality.

You can usually spot this early. In initial conversations, pay attention to the questions they ask. A strong firm will want to understand:

• Your business model
• Your objectives
• Your appetite for risk

If they skip that and go straight into technical explanation, that is often how they will approach the rest of the work.

Fixed Fee vs Hourly Billing Structure

Fees are where a lot of SME frustration comes from, usually because of uncertainty rather than the cost itself.

The billing model makes a big difference to how well you can plan:

Fixed fees work well when the scope is clear, things like shareholder agreements, employment contracts, or standard conveyancing.

Hourly billing tends to fit situations where the scope is less predictable, such as disputes or more complex transactions.

Some firms default to hourly billing for everything. That can make routine work more expensive than it needs to be, and it makes budgeting harder than it should be.

It is worth asking a few direct questions upfront:

• Which services are offered on a fixed fee basis?
• Which are billed hourly?
• Can you provide typical cost ranges for the work I am likely to need?

Clarity here saves a lot of friction later.

Does Their Transaction Experience Match Your Sector?

Not all corporate experience is equal. There is a difference between general corporate advice and hands-on transaction experience.

For example, a management buy-out involves specific deal structures and negotiation points. A share sale requires careful handling of disclosures, warranties, and completion processes. These are not things you want a firm learning as they go.

Sector experience matters just as much. If your business operates in a regulated space like healthcare, financial services, or food production, there are compliance requirements that directly affect how deals are structured.

A firm without that background may still get there, but it often takes longer and carries more risk.

Ask for specific examples of completed transactions in your sector and deal size. General statements about experience are less useful than real, recent examples.

Accessibility and Relationship Continuity

Good legal advice is only helpful if you can get it when you need it. There will be moments where something urgent comes up, a contract issue, an employee problem, or a decision that cannot wait. In those situations, slow responses are more than frustrating; they can affect outcomes.

Different firms handle this in different ways. Larger firms may introduce you to a senior partner, then pass the day-to-day work to junior team members. Smaller firms may offer a more personal service but struggle with capacity on more complex matters.

What most SMEs need is consistency. You want to know who you are dealing with, and you want that person to stay involved.

Before you instruct a firm, ask:

• Who will handle my work day to day?
• Will that person stay involved throughout?
• What are your typical response times?

It sounds basic, but it makes a real difference once work starts.

Checklist, Questions to Ask Before Instructing a Business Law Firm

If you are comparing a few firms, these questions help you cut through the surface-level differences:

• Which practice areas do you handle in-house, and which do you refer out?
• Can you provide examples of work completed in my sector?
• How do you structure fees for the type of work I need most?
• Who will manage my matter day to day?
• What are your standard response times?
• How do you explain legal risk in commercial terms?
• Have you advised businesses at my stage of growth or transaction size?

Get the Legal Support Your Business Needs

Choosing a business law firm is worth doing properly. When you take the time to assess service breadth, commercial understanding, fee clarity, experience, and accessibility, you reduce the risk of problems later.

If you are about to instruct a firm, use the checklist above and have those conversations early. It will give you a much clearer sense of whether they are the right fit for your business.

Read more:
What Should SMEs Look for in a Full-Service Business Law Firm?

Leadership does not always start in a boardroom. Sometimes it starts in a classroom. Sometimes it starts on a construction site in rural West Virginia.

For Schuyler Tansey, it started early in New York City.

Born and raised in midtown Manhattan, Schuyler grew up surrounded by energy, culture, and opportunity. Today, she is a sophomore at Xavier University in Cincinnati, Ohio, majoring in elementary education. Her focus is clear: serve, teach, and build strong communities through education.

Her path has not been linear. It has been intentional.

Early Life in New York City

Schuyler attended Loyola School in New York City. While there, she was part of the Mock Trial Cheering Squad — a small but spirited group that supported classmates during competitions.

Growing up in Manhattan exposed her to a wide range of people and perspectives. That diversity shaped her interest in service.

Her early experiences built confidence and curiosity. They also planted the seeds for her career choice.

Why Did Schuyler Tansey Choose Elementary Education?

After high school, Schuyler enrolled at Tulane University. Over time, she realized she wanted to pursue elementary education — a program Tulane did not offer. She made a difficult decision to transfer.

“I had to be honest with myself,” she says. “If I wanted to teach, I needed to be in the right program.”

She transferred to Xavier University in Cincinnati, Ohio, where she is now a sophomore majoring in elementary education.

That shift reflects a leadership trait often overlooked: course correction.

Her academic focus centers on building strong foundational skills for children. Research consistently shows that early childhood education impacts long-term academic performance, income potential, and community stability.

Schuyler understands that.

“Elementary school is where everything begins.”

Global Perspective Through Study Abroad

Schuyler also attended Richmond University in London for a semester abroad. Studying overseas expanded her understanding of global education systems.

“It reminded me that education is both local and global.”

Community Service as a Core Commitment

Outside of academics, Schuyler’s resume reflects deep involvement in service.

She volunteered in Mingo County, West Virginia, helping build for people in need. She worked at the Romero Center in Camden, New Jersey. She has served at St. James Church in New York and participated in the Ines tutoring program at her time at the Loyola School.

These are not short-term activities. They are ongoing commitments.

Housing insecurity remains a challenge in many parts of the United States. Service projects like these expose volunteers to economic realities beyond their own communities.

“Service takes you out of your bubble,” she says. “It teaches humility.”

At the Romero Center and other organizations, she worked directly with cleaning up and beautifying the community.

How Service Shapes Her Leadership Style

Schuyler views teaching as more than lesson plans and grading.

“Kids notice when you’re present,” she says. “They notice when you care.”

Her volunteer work has strengthened her patience and listening skills. Those are practical leadership tools in a classroom.

Research shows that strong teacher-student relationships improve attendance and academic outcomes. Schuyler sees that as common sense.

“If a child must feel cared for and is treated properly, to learn better,” she says.

She believes service prepares future educators for real-world classrooms.

A Career Still in Progress

Schuyler is still a full-time student. Her career is in development. But her direction is clear.

Education remains one of the most important sectors in society. Teachers influence workforce readiness, civic engagement, and community health. According to national education data, teacher shortages persist in many regions, especially in early childhood education.

Her leadership does not come from title or tenure. It comes from action. From transferring schools to pursue the right major. From building homes in West Virginia. From tutoring younger students.

Success, for her, is about making the world better, even if it is one community at a time.

“I want to be the kind of teacher students remember,” she says.

Schuyler Tansey represents a new generation of educators who blend academic focus with community service. Her career is just beginning. But her foundation is strong.

And in education, foundation is everything.

Read more:
Schuyler Tansey: A Future Leader in Education and Service

Monique Appeaning has spent more than two decades working inside government systems that most people never see. Her work has not been about headlines. It has been about structure, process, and results.

Based in Baton Rouge, Louisiana, Appeaning built her career step by step across both the executive and legislative branches. Along the way, she developed a reputation for discipline, clear thinking, and a steady approach to complex challenges.

“The best advice I’ve ever received is that applying logic to something illogical only breeds frustration,” Appeaning said. “That has stayed with me throughout my career.”

That mindset has shaped how she works. It also explains why her career has centered on accountability, budgeting, and system-level thinking.

Early Career in Government Operations and Budgeting

Appeaning’s career began in government operations, where she focused on budgeting and planning. Early roles required her to review agency budgets, analyze financial requests, and help prepare executive budget materials.

These were technical roles, but they came with real impact. State budgets guide how resources are used across major systems. That includes infrastructure, public safety, and administrative functions.

She worked closely with agency leaders, program managers, and officials at multiple levels of government. The work required both detail and communication.

“Budgeting is what I’m most proud of as a skill,” she said. “It connects decisions to outcomes.”

Her early experience helped her understand how large systems operate from the inside. It also set the foundation for more senior roles.

Growing Into Leadership Roles in State Government

As her career progressed, Appeaning moved into leadership positions focused on management and finance. In these roles, she oversaw teams and supported key operational functions.

Her responsibilities included budgeting, purchasing, human resources, and performance reporting. She also worked on policy development and long-term planning efforts tied to government operations.

At one stage, she managed teams of professionals across multiple functions. That required coordination, consistency, and the ability to handle competing priorities.

She also worked closely with legislative staff and other state officials. These interactions helped bridge the gap between policy goals and operational realities.

“My years of work in the executive branch made the opportunity to work for the legislative branch an exciting one for me,” Appeaning said.

That transition gave her a broader view of how decisions are made and implemented.

Work in Legislative Analysis and Public Accountability

Appeaning later took on a role focused on legislative fiscal analysis and special projects. In this position, she provided factual and unbiased information to lawmakers.

Her work included analyzing executive budgets, evaluating legislative proposals, and reviewing the performance of state programs. She also prepared reports and presented findings to committees.

These responsibilities required objectivity. They also required the ability to explain complex data in a clear way.

She worked with both the Louisiana House of Representatives and Senate. Her role supported decision-making at the highest levels of state government.

In addition, she served as a project leader for a regional report that involved collecting and analyzing data from multiple states. This type of work highlights the scale and coordination involved in her career.

“Clear information matters,” she said. “It helps people make better decisions.”

What Sets Monique Appeaning Apart?

Appeaning’s career stands out because of its range and consistency. She has worked across different parts of government, but her focus has remained steady.

Her work has centered on:

• Accountability
• Transparency
• Data-informed decision-making
• Long-term system improvement

She is known for a structured and disciplined approach. She focuses on facts and avoids unnecessary complexity.

“What inspires me is knowing that my labor is not in vain,” she said.

That perspective reflects a long-term view. Many of the systems she has worked on take years to improve. Results are often gradual, not immediate.

Her contributions have also been recognized with the Military Civilian Award from the Louisiana National Guard. This reflects her commitment to service and operational excellence.

A Career Built on Logic and Focus

One of the defining traits of Appeaning’s career is consistency. She has worked in environments where decisions are complex and stakes are high. Her approach has remained grounded in logic and clarity.

She believes strong systems are built through careful planning and steady execution. That belief has guided her work across roles and responsibilities.

There is also a personal philosophy behind her career. She once described growth as a process where there is “struggle in the caterpillar” before it “becomes a butterfly.”

That idea reflects how she views progress. It takes time. It requires effort. And it often happens behind the scenes.

Today, her career offers a clear example of how experience in budgeting, analysis, and operations can shape a broader leadership path.

Her work may not always be visible to the public. But it plays a role in how systems function and how decisions are made.

And for Appeaning, that is where the value lies.

Read more:
Monique Appeaning: A Career in Public Sector Leadership

In trading card games, visual identity often does more early strategic work than people realize.

Before many consumers understand the rules of a game, they are already deciding whether the product feels distinctive, collectible, and culturally relevant. That makes art direction more than a decorative layer. In many launches, it is part of the business model.

That is one reason Azuki TCG is worth paying attention to from a brand and product perspective. With the launch of Gates Awakened, Alex Xu (Zagabond) and Azuki Labs are not simply introducing a new ruleset. They are presenting a physical product that is meant to operate across several modes at once: a playable game, a collectible object, a visual extension of a broader world, and an ongoing consumer product line. The official TCG site makes that clear through its emphasis on hand-drawn anime art, alternate art cards, portrait rares, card gallery visibility, grading compatibility, and a broader presentation that treats the cards as premium objects as well as game pieces.

Visual Identity Is Often the First Point of Entry

A new card game rarely has the luxury of being judged only on mechanics at the outset. First impressions are usually visual. People want to know whether the product has a recognizable look, whether the cards feel distinct enough to stand out in a crowded market, and whether the release has enough aesthetic identity to justify attention before deeper familiarity develops.

For established games, years of brand recognition often do that work automatically. For newer entrants, the art has to carry more weight. It has to communicate quality, tone, and intent quickly. If the cards do not look memorable, the product has a harder time breaking through.

Azuki’s approach appears designed with that in mind. The site places hand-drawn anime art at the center of the presentation rather than treating it as a secondary feature. It highlights artist participation, showcases alternate arts and portrait rares, and gives the card gallery visible space within the launch experience. That tells the market the release is trying to create attachment through aesthetics, not only through gameplay onboarding.

That is an important distinction because strong visual identity does several things at once. It helps consumers recognize the product. It gives collectors something specific to care about. It gives media something visual to discuss. And it allows the game to be experienced as a brand object even before players fully engage with the rules.

Collectibility Expands the Audience Beyond Players Alone

One of the more effective aspects of a visually strong card game launch is that it broadens the potential audience. Not everyone approaches a TCG through the same door.

Some consumers care first about mechanics and competition. Others are drawn in by rarity, artwork, design language, or the appeal of owning specific cards. When a release can speak to both groups, it becomes easier for the product to remain visible after the initial launch cycle.

Azuki TCG appears to be leaning into that broader logic. Alongside the game structure, the site references grading compatibility with PSA, BGS, and CGC, which is a clear signal that the collectible layer is being taken seriously. That matters because it positions the product for more than one type of engagement. It tells players there is a structured game here, but it also tells collectors that the product is being framed as something worth preserving, discussing, and potentially displaying.

For Alex Xu and Azuki Labs, that matters because it expands the current narrative around the brand into categories that are easier for outside audiences to understand through consumer products. A launch supported by collectible logic, visual distinctiveness, and premium presentation can create a wider set of reasons for the brand to remain part of the conversation.

Why Art Direction Supports Brand Expansion

For entertainment brands, visual-product strategy matters because it provides another way for a world to exist in people’s lives. A well-designed card game is not just a mechanical system. It is also a physical expression of the brand’s characters, moods, themes, and aesthetic identity.

That makes art direction part of the expansion strategy. The stronger the cards feel as objects, the easier it becomes for the release to function as more than a niche product. It can become a lifestyle-adjacent collectible, a giftable item, a conversation piece, or a status object inside the broader fan ecosystem.

That broader design logic is also visible outside the TCG itself. Azuki has partnered with Swiss watchmaker H. Moser & Cie. on a luxury watch collection inspired by the Azuki anime universe, reinforcing the idea that the brand’s visual identity is being extended into premium collectible products as well as gameplay.

Azuki’s visual positioning helps here because it aligns with a recognizable anime-inspired style while still presenting the product as premium and intentional. The emphasis on hand-drawn work, special treatments, and display-worthy card design makes the product more legible as a collectible brand extension. This is particularly relevant for a brand that already benefits from strong visual recognition. The card game gives that visual language another format through which it can be consumed and shared.

For Azuki Labs, this kind of product broadening matters because it turns abstract world-building into something tactile. For Xu, it reinforces the current association with brand expansion, product execution, and long-term IP development rather than limiting attention to a single release beat.

Why This Helps a Launch Travel Further

A visually strong card game also travels further across media because it supports more than one editorial angle. Gaming sites can talk about the rules and format. Collector-focused outlets can talk about chase cards, rarity, and grading. Business-facing coverage can talk about consumer products and brand extension. Design and culture coverage can talk about the art itself.

The same release becomes relevant to more than one audience. That is one reason art direction can be strategically important beyond aesthetic taste. It helps the launch remain visible in more than one conversation.

Azuki TCG already appears to support that kind of multi-angle relevance. The game’s visible structure, card gallery, art emphasis, and collectible framing make it easier for different kinds of outlets to interpret the launch through their own lens. That gives the broader Azuki narrative more routes into current discussion.

More Than a Design Choice

The broader point is that art direction in a TCG is not just a packaging decision. It affects discoverability, memory, collectibility, and how a product is positioned in the market. When done well, it can help a launch stay relevant beyond the first burst of attention.

For Azuki TCG, that seems to be part of the strategy. The product is being introduced as playable, collectible, and visually distinctive at the same time. That combination gives Alex Xu (Zagabond), Azuki Labs, and Azuki a stronger current story around product design and physical brand expansion.

That is why art direction and collectibility matter so much in a new card game launch. They do not just make the cards look good. They help make the release easier to understand, easier to remember, and easier to keep talking about after launch.

Read more:
Why Art Direction and Collectibility Matter in a New Card Game Launch

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How Digital Payment Platforms Are Supporting Cross-Border Commerce

Sir Stephen Fry has launched a £100,000 personal injury claim against the organisers of a major London technology conference, in a case that should give every events business and SME conference organiser pause for thought on public liability and venue safety.

The 68-year-old broadcaster and author is suing CogX Festival Ltd and creative agency Blonstein Events Ltd after he fell roughly two metres from the stage at the O2 Arena in September 2023, sustaining multiple fractures to his right leg, pelvis and ribs. Court documents lodged on his behalf reveal that Sir Stephen had just delivered a keynote address on artificial intelligence when he stepped off the stage into what he later described as “nothing but a six-foot drop onto concrete”.

The legal filings allege that the incident “was caused by the negligence and/or breach of statutory duty of the Defendants, its servants or agents, in failing to ensure that the stage and backstage area were safe, adequately lit and properly protected to prevent a fall from height”.

Keith Barrett of Fieldfisher, the law firm acting for Sir Stephen, said: “It’s very unfortunate that court proceedings were necessary, but the Defendants do not accept Sir Stephen’s account of events, and we have had to ask the court to determine who is responsible for his injury and losses.”

A spokesman for CogX said the company was “unable to comment while the legal process is ongoing”, adding that the team had been “deeply concerned” when the accident occurred and continued to wish Sir Stephen a full recovery. Blonstein Events Ltd, meanwhile, struck a more combative tone, stating that no court proceedings had yet been served and that both the company and its insurers were “confident that our defence will be successful as we were in no way responsible for this incident”.

The case lands at a delicate moment for Britain’s £70 billion business events sector, which has worked hard to rebuild bookings since the pandemic and is now under renewed scrutiny over duty-of-care obligations to speakers, exhibitors and delegates. For the thousands of SMEs that operate within the conference, festival and corporate hospitality supply chain, from production houses and staging contractors to venue managers and creative agencies, the dispute is a sobering reminder of how quickly a flagship event can turn into a balance-sheet liability.

Under the Health and Safety at Work etc. Act 1974 and the Work at Height Regulations 2005, organisers carry a clear statutory duty to assess and mitigate fall risks on raised platforms. Public liability cover for events of this scale typically starts at £5 million, but legal costs, reputational damage and the disruption of a contested claim can dwarf any insurance pay-out. Industry insurers have been warning for some time that premiums are hardening, particularly where risk assessments, lighting plans and edge protection are not properly documented.

Sir Stephen, who relied on a walking stick for several months after the fall, told BBC Radio 2’s Claudia Winkleman in December 2023 that he considered himself fortunate. “The person treating me told me he was treating a patient who had fallen on the same day as me, half the distance, and would never walk again. So I really praise my lucky stars. If it had been the spine or the skull, who knows.”

Greenwich Council confirmed at the time that it had been alerted to the incident and was considering whether to open a formal investigation. The outcome of the High Court action, and any regulatory follow-up, will be watched closely by event organisers, venues and their underwriters.

For SME operators in the events space, the message is unambiguous. Robust risk assessments, certified edge protection, properly briefed stage management and watertight contractual indemnities between principal contractors and sub-contractors are no longer nice-to-haves. They are the difference between a profitable event and a six-figure claim.

Read more:
Stephen Fry’s £100,000 lawsuit against tech conference puts events industry liability under the spotlight

Big ideas are easy to talk about. Bringing them to life is harder. Karan Gupta has built his career on doing both. He works at the intersection of technology, design, and storytelling. His focus is simple. Build things that people actually use and care about.

“I’ve always been interested in how ideas move from concept to reality,” Karan says. “Execution is where most ideas either succeed or fall apart.”

His journey shows how that mindset developed over time.

Early Life: Growing Up Around Innovation

Karan Gupta grew up in San Francisco. The environment around him played a big role in shaping his thinking. He was exposed to technology, creativity, and constant change at a young age.

“I didn’t see innovation as something abstract,” he explains. “It was part of everyday life.”

This early exposure sparked his interest in how products are built and how people interact with them. It also helped him see that technology is not just about tools. It is about people.

UC Berkeley: Learning by Building

Karan attended the University of California, Berkeley. He studied Media Studies and Entrepreneurship. But his most important lessons came outside the classroom.

During college, he launched a digital magazine and a city-focused podcast. These projects gave him real experience in building and managing ideas.

“I wanted to test what I was learning in real time,” he says. “You learn a lot faster when you actually put something out into the world.”

The digital magazine focused on content and audience engagement. The podcast explored local culture and community stories. Both projects required consistent effort and adaptability.

“These weren’t just school projects,” Karan explains. “They were experiments in understanding what people respond to.”

Through this work, he learned how to create, manage, and grow an audience. He also learned how to handle feedback.

“If people don’t connect with what you’re building, you need to adjust,” he says. “That’s part of the process.”

Career Path: Building in Technology and Creative Industries

After graduating, Karan moved into roles across the technology and creative industries. His work focused on digital strategy, user experience, and brand storytelling.

He became known for combining creativity with structure. This allowed him to turn ideas into clear, usable products and campaigns.

“Creativity is important,” he says. “But without structure, it doesn’t go anywhere.”

Over time, he took on leadership roles. He worked with teams to develop campaigns and build products that reached different audiences.

“People don’t engage with complexity,” Karan explains. “They engage with clarity.”

His approach is based on simplifying ideas. He focuses on making sure that users understand what they are seeing and why it matters.

How Karan Gupta Brings Ideas to Life

A key part of Karan’s work is execution. He believes that ideas only matter if they are carried through to completion.

“Anyone can have a good idea,” he says. “The challenge is following through.”

He focuses on a few core principles:

• Start with a clear goal
• Understand the audience
• Build, test, and adjust

“These steps sound simple,” he says. “But they require discipline.”

His experience with early projects helped shape this mindset. Launching a magazine and podcast taught him that progress comes from action, not planning alone.

“You can’t wait for everything to be perfect,” he adds. “You have to start.”

Leadership Style: Building Strong Teams

As Karan’s career grew, so did his role as a leader. He now focuses on building teams that can execute effectively.

“My role is to help people do their best work,” he says.

He believes in clear communication and shared direction. He also values collaboration.

“Good ideas can come from anywhere,” he explains. “You need to create space for that.”

His leadership style is practical. He focuses on results, but also on process.

“If the process is strong, the outcomes usually follow,” he says.

Mentorship and Giving Back

Outside of his main work, Karan spends time mentoring young creatives and entrepreneurs. He sees this as a natural extension of his career.

“I had guidance early on,” he says. “It made a difference.”

He now shares what he has learned with others. His focus is on helping people build skills and confidence.

“Talent is important,” he says. “But mindset is what drives long-term growth.”

He encourages young professionals to stay curious and take action.

“Don’t overthink the first step,” he adds. “Just start building.”

Life Outside Work: Staying Creative

Karan’s personal interests reflect his professional mindset. He enjoys photography, travel, and exploring new ideas.

“Seeing new places helps you think differently,” he says.

He also spends time exploring San Francisco and experimenting with food. These activities help him stay creative.

“Taking a step back often leads to better ideas,” he explains.

A Career Built on Execution and Clarity

Karan Gupta’s career is not defined by one role or title. It is defined by a consistent approach. Start with an idea. Build it. Improve it. Repeat.

“I try to focus on what actually works,” he says. “Not just what sounds good.”

His work shows that success often comes from simple principles applied well. Clear thinking. Strong execution. And a focus on people.

In a fast-moving industry, those fundamentals continue to matter. And for Karan, they remain at the center of everything he builds.

Read more:
Karan Gupta: Turning Ideas Into Real-World Impact

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Svydovets: How an International Environmental Campaign Intertwines with Local Interests

Choosing the right LED power supply supplier is one of the most important decisions in any lighting project.

While LED strips and modules often get the most attention, the power supply is the backbone of the entire system. A poor-quality unit can lead to flickering, overheating, reduced lifespan, and even safety hazards.

For businesses sourcing Waterproof LED strip lights wholesale, selecting a reliable LED Power Supply supplier is essential to ensure system compatibility, efficiency, and long-term performance. Whether you are a contractor, distributor, or project developer, understanding what to look for before buying can save time, money, and future complications.

Why the Right LED Power Supply Supplier Matters

An LED power supply converts incoming AC power into low-voltage DC output required by LED strips and modules. If this conversion is unstable or inefficient, it directly affects lighting quality and durability.

A trusted supplier ensures:

• Stable voltage output
• Consistent performance across installations
• Safety compliance with international standards
• Long operational lifespan
• Compatibility with LED strips and modules

Companies like dekingled recognize that a high-quality lighting system starts with a dependable power foundation.

Check Product Quality and Build Standards

The first thing to evaluate when choosing a supplier is product quality. A reliable LED Power Supply should be manufactured using high-grade internal components such as capacitors, transformers, and circuit boards.

Low-quality units often fail prematurely due to poor construction, leading to increased maintenance costs and system downtime.

Look for suppliers who emphasize:

• Durable casing materials
• Heat-resistant components
• Stable output performance
• Thorough product testing

Dekingled focuses on delivering power solutions that meet strict quality control standards, ensuring long-term reliability in both indoor and outdoor applications.

Waterproof Protection for Demanding Environments

Many LED installations operate in environments exposed to moisture, dust, or weather conditions. In these cases, a standard power supply is not sufficient.

When sourcing Waterproof LED strip lights wholesale, it is essential to pair them with a compatible waterproof power supply. A properly sealed unit protects internal components from water ingress, corrosion, and environmental damage.

A high-quality waterproof LED Power Supply should feature:

• Sealed housing with proper IP rating
• Protection against humidity and dust
• Reliable performance in outdoor conditions

Dekingled offers waterproof power solutions designed to work seamlessly with their LED strips, ensuring complete system protection.

Output Stability and Performance

Voltage stability is critical for LED performance. Fluctuations in output can cause flickering, uneven brightness, and reduced lifespan of LED strips.

Before choosing a supplier, ensure their LED Power Supply products provide:

• Constant voltage or constant current output
• Low ripple and noise levels
• Protection against overload and short circuits

A reliable supplier will clearly provide technical specifications and performance data for their products.

Compatibility with LED Strip Systems

Compatibility is often overlooked but extremely important. Not all power supplies work efficiently with every LED strip type. Mismatched voltage or wattage can result in poor performance or damage to the system.

If you are purchasing Waterproof LED strip lights wholesale, it is best to work with a supplier that also understands LED strip requirements.

Dekingled provides both LED strips and compatible power solutions, ensuring seamless integration and reducing the risk of technical issues during installation.

Energy Efficiency and Cost Savings

Energy efficiency plays a major role in modern lighting systems, especially in commercial and industrial environments where lights operate for extended periods.

A high-quality LED Power Supply minimizes energy loss during conversion, reducing electricity consumption and heat generation.

Efficient power supplies offer:

• Higher conversion efficiency
• Lower operating costs
• Reduced heat output
• Improved system lifespan

Dekingled integrates energy-efficient designs into its power supply solutions, helping businesses achieve long-term cost savings.

Certifications and Safety Standards

Safety is a critical consideration when choosing an LED power supply supplier. Products should comply with international standards to ensure safe operation and regulatory approval.

Look for certifications such as:

• CE (European Conformity)
• RoHS (Restriction of Hazardous Substances)
• UL (Underwriters Laboratories)

A trusted LED Power Supply supplier will provide certified products that meet industry requirements.

Dekingled ensures that its products align with global standards, making them suitable for international markets.

Supplier Experience and Reputation

Experience matters in the LED industry. Established suppliers are more likely to offer consistent quality, reliable delivery, and professional support.

When evaluating a supplier, consider:

• Years of industry experience
• Client portfolio and references
• Product range and specialization
• Customer support capabilities

Dekingled has built a strong reputation by providing dependable lighting solutions and maintaining long-term partnerships with clients worldwide.

Scalability and Bulk Supply Capability

For contractors and distributors, the ability to handle bulk orders is essential. A supplier must be able to deliver consistent quality across large volumes without delays.

If you are sourcing Waterproof LED strip lights wholesale, ensure your supplier can:

• Maintain stable inventory
• Meet project deadlines
• Provide consistent batch quality

Dekingled supports scalable production, making it suitable for both small projects and large commercial installations.

Technical Support and After-Sales Service

A reliable supplier should offer more than just products—they should provide technical guidance and after-sales support.

This includes:

• Assistance with product selection
• Power calculation support
• Installation recommendations
• Troubleshooting help

Working with a supplier like dekingled ensures access to professional support, helping you avoid costly mistakes and optimize system performance.

Conclusion

Choosing the right LED power supply supplier is essential for building reliable, efficient, and long-lasting lighting systems. From product quality and waterproof protection to energy efficiency and technical support, every factor plays a role in overall performance.

For businesses sourcing Waterproof LED strip lights wholesale, pairing them with a high-quality LED Power Supply ensures consistent results and long-term value.

Dekingled stands out as a trusted partner by offering durable LED strips, reliable power solutions, and comprehensive support for professional lighting projects. By choosing the right supplier, you can protect your investment and deliver lighting systems that perform flawlessly for years.

Read more:
LED Power Supply Suppliers: What to Look for Before Buying

Managing a company budget used to be simpler. You had big, predictable costs like rent, payroll, and hardware. But today, the financial landscape has shifted.

There is a silent leak in almost every modern balance sheet, and it goes by the name of subscription creep. This happens when small, monthly software costs slowly add up, eventually becoming a massive, unmanaged expense.

For many growing businesses, keeping track of these recurring fees is a full-time job. This is exactly why savvy firms often leverage Virtual CFO Services to gain professional oversight and stop financial leakage before it impacts the bottom line. By using Outsourced Financial Services, companies can identify these hidden costs and ensure every dollar spent on software actually delivers a return on investment.

Beyond the Monthly Bill: What Exactly Is Subscription Creep?

In the world of finance, we often talk about SaaS-Wildwuchs or SaaS sprawl. This refers to the uncontrolled growth of software subscriptions across different departments. It starts small, with a $20 monthly fee for a design tool here and a $15 seat for a project management app there. Because these costs fall under operating expenses (OpEx) rather than large capital expenditures (CapEx), they often bypass the rigorous approval processes reserved for big purchases.

The problem is that these “micro-costs” are designed to be invisible. They are small enough to stay under the radar but frequent enough to cause significant budget drift. Over time, these individual subscriptions create a web of recurring revenue leakage that erodes your profit margins. For a CFO, this isn’t just about the money; it is about a lack of financial transparency. If you cannot see where the money is going, you cannot manage your cash flow effectively.

The Silent Growth of SaaS Sprawl: How It Sneaks Into Your Budget

Why does this happen so easily? The answer lies in the “low-friction” nature of modern software. In the past, installing software required IT approval and a physical disk. Today, anyone with a corporate credit card can sign up for a new tool in seconds. This has led to the rise of Schatten-IT, or Shadow IT.

Shadow IT occurs when employees or department heads buy software without the knowledge or permission of the IT or Finance departments. While these tools are often bought with good intentions, to solve a quick problem or improve productivity, they create massive departmental silos. When every team has its own “special” tool, the company loses the ability to negotiate bulk licensing or maintain a unified technology stack. This decentralized procurement culture is the primary driver of subscription creep, turning a flexible budget into a rigid wall of monthly bills.

The Three Hidden Leaks Draining Your Profit Margins

To solve the problem, a CFO must first understand where the water is leaking. It usually boils down to three specific types of software waste that impact operational inefficiency.

The Ghost License: Paying for People Who No Longer Work There

One of the most common pain points is the “zombie” account. When an employee leaves the company, their email might be deactivated, but their user seat management often remains active. These orphaned subscriptions continue to bill the company month after month for a service that no one is using. Without a strict employee offboarding process that includes a license utilization audit, you are essentially throwing money away on inactive accounts and wasted IT resources.

The Redundancy Trap: Paying Twice for the Same Feature

Does your marketing team use Asana while the development team uses Jira and the sales team uses Trello? This is a classic case of overlapping functionality. When different departments use different tools that perform the same basic task, you are paying for feature duplication. A thorough technology stack audit often reveals that a company is paying for three or four different “communication” or “storage” tools when one consolidated platform would do the job better and cheaper.

The Auto-Renewal Loop: The High Price of “Set It and Forget It”

The SaaS business model thrives on automatic renewal traps. Many contracts include price escalation clauses that allow the vendor to raise prices by 5% to 10% every year without notice. If your finance team isn’t practicing active contract lifecycle management, these increases go unnoticed. You lose your negotiation leverage the moment a contract auto-renews because you’ve missed the window to discuss license rightsizing or better terms.

The CFO’s Playbook: A 4-Step Strategy to Regain Control

Regaining control of your corporate fiscal health requires more than just cutting costs; it requires a new system of financial governance. For many growing businesses, leveraging Outsourced Financial Services provides the high-level expertise needed to implement these controls and manage technology expense management without the cost of a full-time internal department. Here is how a professional CFO approaches the problem.”

Step 1: Conduct a Radical SaaS Audit

You cannot fix what you cannot see. The first step is to create a complete subscription register. This involves looking at every line item in your ledger analysis and credit card statements to find every single recurring charge. This creates total spend visibility and allows you to build an audit trail for every tool the company owns.

Step 2: Establish Clear Tool Ownership

Every subscription needs a “parent.” By assigning tool ownership to specific department leads, you create accountability. These owners are responsible for proving the ROI of software within their team. If they cannot explain how a tool helps the company grow, it should be on the chopping block.

Step 3: Consolidate Your Stack and Renegotiate

Once you have an inventory, look for ways to cut the “dead weight.” Move toward vendor consolidation by choosing one primary tool for each function. This gives you more power during procurement negotiation. Often, you can secure volume discounts simply by moving all users onto a single platform rather than having them scattered across three different ones.

Step 4: Automate Governance for Sustainable Growth

Manual tracking is a losing battle. High-performing companies use SaaS Management Platforms (SMP) to track usage in real-time. These tools can send automated alerts when a seat is unused or when a renewal date is approaching. By using procurement automation, you turn cost control from a periodic headache into a continuous, scalable workflow.

Shifting the Goal: From Simple Cost-Cutting to Strategic Reinvestment

The goal of managing subscription creep isn’t just to save money; it is to increase business agility. When a CFO identifies $5,000 a month in wasted software fees, that money doesn’t just disappear into a vault. It can be redirected into high-impact investments like R&D, marketing, or better employee benefits.

This is where the CFO evolves from a “budget balancer” into a true business partner. By improving financial resiliency, you ensure the company has the “dry powder” needed to survive economic shifts. Optimizing your technology stack is actually a form of value creation. It makes the company leaner, faster, and more competitive.

Final Thoughts: Protecting Your Bottom Line in a Subscription-First World

Subscription creep is a modern problem that requires a modern solution. It is no longer enough to look at the budget once a year. In a world of “software-as-a-service,” ongoing vigilance is the only way to ensure long-term fiscal health.

By addressing Schatten-IT, eliminating zombie licenses, and automating your financial transparency, you protect your cash flow from the thousands of small cuts that threaten your profitability. The CFO of the future isn’t the one who says “no” to every new tool, but the one who ensures that every tool the company uses is a strategic asset, not an invisible cost centre. Taking the time to perform a regular Abo-Audit today can save your company from a massive financial headache tomorrow.

Read more:
The Invisible Cost Centre: Why Subscription Creep Is Becoming a CFO Problem

Running automation on Reddit, Instagram, or TikTok often works at the beginning, then starts to break without a clear reason. Accounts get flagged, sessions reset, or reach drops even when actions stay the same.

In most cases, the issue is not the automation tool. It is the network layer behind it. When multiple accounts share IPs, switch locations too often, or run on low-quality proxies, platforms detect the pattern and limit activity.

Mobile proxies for social media automation solve this by placing each account on a real mobile network. These IPs come from carrier connections, which match how normal users behave online. This makes sessions more stable and reduces the chance of accounts getting linked. The key is not just using a proxy, but using the right type with consistent sessions and clean IPs. Once that is in place, automation becomes predictable instead of fragile.

TL;DR

• Mobile proxies use real carrier IPs, which are trusted by social platforms
• Assign one mobile IP per account to avoid linking signals
• Keep sessions stable instead of rotating IPs too often
• Use clean IPs to reduce bans, shadowbans, and verification checks
• If accounts get flagged, fix IP quality and session consistency first

How to choose the best mobile proxy for managing multiple accounts

Choosing mobile proxies for managing multiple accounts is not about finding the largest pool or the lowest price. It comes down to stability, IP quality, and control over how sessions behave. If accounts keep getting flagged or logged out, the issue is usually the proxy setup. A good mobile proxy should give you real carrier IPs, let you keep sessions consistent, and avoid mixing your traffic with other users. This is where solutions like CyberYozh stand out, because they focus on controlled usage with real mobile LTE/5G networks, instead of just providing access to IPs.

When evaluating a provider, focus on what actually affects account stability:

• Real mobile LTE/5G IPs from carrier networks, not emulated traffic
• Ability to assign one IP per account for clear separation
• Sticky sessions to keep accounts stable over time
• Controlled rotation instead of random IP switching
• Simple setup that works for both technical users and social media managers

If these basics are in place, managing multiple accounts becomes predictable. If not, even the best automation tools will keep failing.

App CyberYozh: Mobile proxies for stable social media automation

Social media automation starts to break when accounts lose consistency. You see it when sessions reset, verification requests increase, or reach drops without any clear change in activity. In most cases, the issue is not the tool but the network and environment behind each account. Platforms like Reddit, Instagram, and TikTok expect stable behavior, and when IPs or sessions change too often, accounts become easy to flag. CyberYozh is built to keep that stability in place. With real mobile LTE/5G proxies, you can assign one IP per account and keep sessions consistent over time. It also includes built-in API access and integrates directly with tools like Playwright, Selenium, Puppeteer, Scrapy, and Postman, so automation workflows stay aligned with the network setup. Combined with fingerprinting options and support for antidetect browsers, it helps keep browser, device, and IP signals consistent. The setup is straightforward, which makes it a good fit for both social media managers and technical teams, while still being cost-effective for small projects and scalable for larger operations.

Key features

• Real mobile LTE/5G proxies from carrier networks
• One IP per account for clear separation
• Sticky sessions to maintain long-term stability
• Controlled IP rotation when needed
• 50M+ clean IPs across 100+ countries
• Built-in API for automation workflows
• Integration with Playwright, Selenium, Puppeteer, Scrapy, and Postman
• Fingerprinting options with OS and browser control
• Works with antidetect browsers for account management
• Easy setup suitable for both non-technical and technical users

CyberYozh Pricing

• Mobile proxies from around $1.7 per day with unlimited traffic
• Residential rotating proxies starting from around $0.9 per GB
• Residential static proxies starting from around $5.29 per month
• Datacenter proxies starting from around $1.9 per month

IPRoyal

IPRoyal is often used for smaller-scale scraping and account management setups where users need access to residential IPs without a complex system. It provides standard proxy functionality with global coverage, which can work for simple automation or testing environments. However, as workflows grow or require more control over sessions and stability, the limitations of the setup become more visible.

For managing multiple accounts, the platform may require more manual configuration compared to tools that offer built-in session control or integrated workflows. This makes it less practical for non-technical users or social media managers who need a setup that works without constant adjustments. It can still be used effectively, but it often requires more effort to maintain stable sessions and avoid overlaps.

IPRoyal features

• Residential proxy network with global coverage
• Supports HTTP and SOCKS connections
• Access to rotating and sticky sessions, though session control is limited
• Basic dashboard and API access, but requires manual setup for advanced workflows
• IP quality can vary depending on usage, which may affect long-term account stability

IPRoyal pricing

• Residential proxies start from around $1.75 per GB
• Mobile proxies start from around $4.00 per GB
• ISP proxies start from around $2.00 per proxy
• Datacenter proxies start from around $1.39 per proxy

Decodo

Decodo is typically used by users who want a simple proxy setup without going too deep into configuration. It offers residential proxies with a user-friendly dashboard, which makes it easier to get started compared to more technical platforms. This can work for basic scraping or managing a limited number of accounts.

However, when workflows become more complex or require strict session control, the platform can feel limited. It is less suited for advanced automation or large-scale multi-account setups, especially where consistency and long-term stability are critical. Social media managers may find it easy to start with, but scaling usually requires additional tools or adjustments.

Decodo features

• Residential proxy network with global coverage
• Simple dashboard designed for ease of use
• Supports HTTP and SOCKS connections
• Basic session control with limited customization options
• Suitable for small to mid-level tasks, but less effective for large-scale automation

Decodo pricing

• 3 GB – $3.75/GB → Total: $11.25 + VAT billed monthly
• 10 GB – $3.5/GB → Total: $35 + VAT billed monthly
• 25 GB (Popular) – $3.25/GB → Total: $81.25 + VAT billed monthly
• 50 GB – $3.0/GB → Total: $150 + VAT billed monthly
• 100 GB – $2.75/GB → Total: $275 + VAT billed monthly

Conclusion

Mobile proxies are not just a technical add-on for automation. They are the foundation that keeps accounts stable over time. When IPs overlap or sessions change too often, platforms detect the pattern and accounts start to fail. The difference between unstable and stable setups usually comes down to IP quality, session control, and how well each account is separated.

If the goal is to manage multiple accounts across Reddit, Instagram, or TikTok, the setup needs to stay consistent. Real mobile IPs, one IP per account, and controlled sessions are what make automation work without constant fixes. Tools like CyberYozh simplify this by combining mobile proxies, automation support, and fingerprint alignment in one place, making it easier to scale without breaking your setup.

FAQs

What are mobile proxies for social media automation?

Mobile proxies route traffic through real carrier networks, making accounts appear as normal mobile users. This helps reduce detection and keeps sessions more stable.

Why do accounts get banned even when using proxies?

Most bans happen when accounts share IPs, rotate too often, or run in the same environment. Proxies alone are not enough. The setup must stay consistent.

Are mobile proxies better than residential proxies?

Mobile proxies are usually more reliable for long-term social media accounts because they come from real carrier networks. Residential proxies work well for moderate usage.

How many accounts can you run with mobile proxies?

There is no fixed number. It depends on how well each account is separated. One IP per account and stable sessions allow better scaling.

Do you need a separate proxy for each account?

Yes. Each account should have its own IP to avoid linking signals. Sharing IPs is one of the main causes of bans.

What is the best setup for TikTok automation?

The best setup includes real mobile IPs, stable sessions, and separate environments per account. Using a TikTok proxy with consistent sessions helps reduce verification issues and account flags.

Which proxy provider is easier to use for beginners?

Some providers require more manual setup, especially for automation workflows. CyberYozh is often easier to start with because it combines proxies, API access, and environment control in one setup, making it suitable for both non-technical users and advanced teams.

Read more:
Best Mobile Proxies for Social Media Automation (Reddit, Instagram, TikTok)