Table of Contents
- Where to Buy Ethereum
- How to buy Ethereum
- When to buy Ethereum
- In conclusion, should you Buy Ethereum?
What is Ethereum?
Ethereum (ETH), or Ether, is the cryptocurrency of the Ethereum blockchain, the first-ever programmable blockchain network, which introduces smart contracts on a blockchain.
Ethereum is an open-source blockchain and it uses its own programming language, called Solidity, which allows smart contracts to be used to build decentralized applications (DApps) on top of the network.
It was first described in a whitepaper in 2013 by Vitalik Buterin and its co-founders. In the summer of 2014, the Ethereum project raised $18.3 million worth of Bitcoin during its Initial Coin Offering (ICO). The ICO price for one Ether was $0.311 and the founders sold 60 million Ether.
In July 2015, the Ethereum Foundations launched the first version of the Ethereum network. Over the years, the network has been updated several times.
As with any blockchain network, the Ethereum decentralized ledger can be used to record and verify transactions. Ether (ETH) is the native cryptocurrency of the blockchain that powers the entire ecosystem and can be used to pay transaction fees and more.
As of November 2021, Ethereum is the second-largest cryptocurrency after Bitcoin, having a market capitalization of over $500 billion.
The Ethereum network is more than just a payment network. It enables developers to deploy applications that can serve all industries and it can be a marketplace for other digital assets, such as non-fungible tokens (NFTs).
The network aims to become a global solution for decentralized applications (DApps) and to enable anyone to create fraud-free applications.
All applications built on the Ethereum blockchain benefit from the technology’s features, such as safety, no downtime, and no need for third parties or central authorities.
As crypto exchanges have become more accessible and the Ethereum USD (ETH/USD) and Ethereum EUR (ETH/EUR) prices have risen, more people have begun to invest in cryptocurrency. Ethreum trading is allowing a great transfer of wealth and even new investors can hope to profit from its fast growth and earn higher returns than they would on the stock market.
With so much attention from the media and financial traders, new cryptocurrency investors are always looking for advantageous ways (platforms) to buy Ethereum online. Luckily, there are numerous services and guides on how to buy Ethereum to help you get started in the cryptocurrency market.
Where to Buy Ethereum
There are two ways cryptocurrency investors can choose when searching how to buy Ethereum online:
- Cryptocurrency exchange
- Online Brokers
Crypto exchanges might be a good option for holding your funds, especially if you plan to withdraw them to a private wallet.
Online brokers are another great option where to buy Ethereum, which is increasing in popularity lately due to ease of trading, fast transaction, and greater control over the digital assets in your portfolio.
When you use a broker platform, you gain access to a comprehensive feature set that will assist you in more precisely calculating your strategies and risks. As a result, you will be able to add more indicators to the chart and use the built-in technical analysis tools. However, unlike an exchange, the broker platform will not provide you with the same large offer of cryptos to trade.
Additionally, global brokers like CAPEX also provide a few options to indirectly invest in Ethereum and other cryptocurrencies: cryptocurrency Exchange-Traded-Funds (ETFs) and companies connected to cryptocurrencies (crypto stocks).
Buying Ethereum over an exchange
If you want to participate in a crypto project development and own the digital asset, you can buy Ethereum online through a cryptocurrency exchange, such as Binance, Kraken, Bittrex, or Coinbase, and store it in a digital wallet.
Having an account on a cryptocurrency exchange allows you to send and receive Ethereum. Transferring Ethereum is like the way traditional bank transfers work, except for the bank account address, which is replaced with an Ethereum address. Because digital currency is transmitted directly between individuals without needing third-party entities, such as banks, transaction fees are cheaper than those charged by traditional institutions.
If you want to hold your crypto for a longer time, it is advised to transfer them from the crypto exchange to a secure cryptocurrency wallet. Wallets are much safer, and each private crypto wallet has a private key. It is critical to keep your private key safe because you won't be able to access your crypto without it, and if it's easily available, your funds could be stolen.
Buying Ethereum through an exchange is for those who want to use it for day trading or purchasing crypto to transfer to a wallet. When you’re buying Ethereum through a cryptocurrency exchange, you own the digital asset, and you can transfer it to a crypto wallet or do whatever you wish with it. If the price of Ethereum rises, then the value of your portfolio goes up as well. But if the price of Ethereum falls, then the value of your portfolio falls, while the amount of Ethereum remains the same.
Here are the main drawbacks when buying Ethereum through a cryptocurrency exchange:
- Cryptocurrency exchanges may not be regulated in your country and offer little to no protection for investors.
- The matching engines and servers on Ethereum exchanges are often unreliable, leading to the inability to access your account and control your funds.
- Cryptocurrency exchanges have many restrictions and limitations for their services, including transaction fees, withdrawal fees, and imposing minimum amounts for funding and withdrawing funds.
The good news is that investors can remove the risks presented by the crypto exchange by trading Ethereum with contracts for difference (CFDs). Ethereum CFDs allow you to speculate on the price of the cryptocurrency without having to own the digital asset.
Read on if you want to learn to trade Ethereum with capex.com in the most convenient way.
Buying Ethereum with an online Broker
Trading Ethereum with an online broker like CAPEX means that instead of owning Ethereum outright, you’ll be speculating on its price with CFDs.
The main difference between buying Ethereum from an exchange and buying Ethereum from an online broker is that you don’t own the Ethereum when you use a broker. Owning crypto requires investors to have a crypto wallet, either within the exchange or a private wallet. But when you purchase Ethereum CFDs using an online broker, the CFDs are stored in your account and are far more liquid, which makes trading CFDs more convenient. Unlike cryptocurrency exchanges, online CFDs brokers are regulated by financial authorities.
The Alternative Way to Invest in Ethereum
Trading CFDs is a process of buying or selling CFDs and can generate a profit if the value of the asset moves in the direction of the investor’s prediction, or a loss if the market goes against him.
You can buy Ethereum CFDs (go long) if you believe the value of the digital asset will increase.
At the same time, you can “go short” if you believe that the price of the underlying asset, in this case, Ethereum, will decrease, by selling CFDs.
Trading CFDs provides leverage, and you can open your position by depositing only a margin.
For example, if a trader wants to buy 1 Ethereum CFD at $4000 would only require $2000 of trading capital.
It’s important to remember that leverage can increase both your profits and your losses, and they will be based on the full exposure of the trade, not just the margin requirement needed to open it. Potential losses, as well as profits, could exceed your margin.
Concisely, if you choose to trade crypto CFDs, you can profit from the difference between the buying and the selling position.
With CAPEX, you can trade CFDs on futures or spot prices. Trading CFDs on futures gives you exposure to the futures market, but without requiring you to take on any obligations or worry about any of the other nuances that are associated with futures trading.
Buy Ethereum CFDs - Go Long
Instead of taking ownership of Ethereum, you can place a ‘long position’ translates to buying Ethereum CFDs. Your position, or Ethereum CFDs, will increase in value according to the increase in the price of the digital asset Ethereum’s price increases. If the price of Ethereum falls, then your position will lose value and can lead to loss.
Let’s assume that Ethereum is trading at a sell/buy price of 4020/4030 USD. You want to buy 1 CFD (units) because you think the price of Ethereum will go up. Ethereum has a 1:2 leverage or a margin rate of 50%, which means that you must deposit only 50% of the position’s value as position margin.
In this example, your CFD position margin will be $2015 (50% x (1 unit x $4030 buy price)). Losses greater than the margin can occur if the price of Ethereum moves against your position.
Outcome A: a profitable trade
If your prediction was correct, and the price of Ethereum surges over the next hours or days, then you have made a profitable trade. If the sell/buy price is 4230/4240 USD when you decide to close your position by selling at 4230 (the new sell price), then your profit will be $200.
The price has moved $200 (4230 – 4030) in your favor. Multiply this by the size of your position (1 unit) to calculate your gross profit which is $200.
If the position was closed during the day, there will not be any swap charges and the net profit is $200.
If the position was closed after a few days, there will be swap charges according to the overnight rollover specification, in this case, 0.0563%.
Let us assume the position was closed the next day, the overnight swap calculation formula will be:
- Overnight swap = 1 (unit) x $4130 (price at rollover) x 0.0563% x 1 (days) = $2325
Therefore, your total profit on Ethereum CFD is your gross profit minus the rollover cost.
- $200 - $2325 = $197.675 net profit
Outcome B: a losing trade
If your prediction for the price of Ethereum was wrong, the Ethereum CFD trade will result in a loss. Let’s assume that the price of Ethereum drops over the next hour to a sell/buy price of $4100/4110. Because you want to limit the loss in the eventuality that the price continues to drop, you can sell at $4.100 (the new sell price) to close the position.
The price has moved $70 (4100-4030) against you. Multiply this by the size of your position (1 unit) to calculate your loss, which is $70.
Sell Ethereum EUR CFDs - Go Short
In this CFD example, Ethereum EUR is trading at a sell/buy price of €3.542/3.544. Assume you want to sell 1.5 CFDs (units) because you think the price will go down. Ethereum has a 1:2 leverage or a margin rate of 50%, which means that you only must deposit 50% of the position’s value as position margin.
In this example, your CFD position margin will be €2,656.5 (50% x (1.5 units x €3542 sell price)). Remember that if the price moves against you, it is possible to lose more than your initial position margin of €2.656.5.
Outcome A: a profitable trade
Your prediction was correct, and the price falls over the next 2 days to a sell/buy price of 3340/3342 EUR. You decide to close your trade by buying back at €3342 (the new buy price).
The price has moved €200 (3542-3342) in your favor. Multiply this by the size of your position (1.5 units) to calculate your profit, which is €300 gross.
Let us assume the position was closed after 2 days, the overnight swap calculation formula will be:
- Overnight swap = 1.5 (units) x €3400 (average price at rollover) x 0.0563% x 2 (days) = $5.74
Therefore, your total profit on Ethereum EUR CFD is your gross profit minus the rollover cost.
- €300 - $5.74 = €294.26 net profit
Outcome B: a losing trade
Unfortunately, your prediction was wrong, and the price of Ethereum EUR rises over the next hour to a sell/buy price of 3580/3582 EUR. You feel the price is likely to continue up, so to limit your potential loss you decide to buy at €3582 (the new buy price) to close the position.
The price has moved €40 (3582-3542) against you. Multiply this by the size of your position (0.5 units) to calculate your loss, which is €60.
If you are not ready to trade CFDs at spot or futures prices yet, we have also got educational resources like CAPEX Academy with free courses on how to trade. Plus, we offer a demo account – giving you $50,000 in virtual funds to build your confidence in a risk-free environment.
Investing in Ethereum without actually buying Ethereum
While buying and day trading cryptocurrency is a major trend right now, it is important to remember that cryptocurrencies are a volatile and risky investment choice. If investing in crypto on an exchange or via a broker does not feel like the right choice for you, here are a few options to indirectly invest in Ethereum and other cryptocurrencies:
Exchange-Traded Funds - Crypto ETFs
Exchange-traded funds (ETFs) are popular investment tools that allow investors to buy exposure to hundreds of individual investments in bulk. That is why ETFs are a means of diversification for your portfolio and as less risky than investing in individual investments.
A crypto ETF allows investors to trade cryptocurrency on a traditional market and eliminates the need to trade the asset on a crypto exchange. Another advantage of trading crypto ETFs is that investors do not have to worry about the security aspects of trading crypto.
US investors can enter the crypto market by using ProShares Bitcoin Strategy ETF (BITO). The Fund provides capital appreciation through managed exposure to bitcoin futures contracts.
An Ethereum ETF could come in the 1st quarter of 2022, according to Bloomberg. The approval of a Bitcoin ETF means a similar offering for ether is imminent.
>> Learn what is an ETF and how does it work
Companies Connected to Ethereum and Cryptocurrency - Ethereum Stocks
Another option is to invest in cryptocurrency indirectly by investing and buying shares of companies that offer real-life products and services but still use or own cryptocurrencies as part of their business model (known as Ethereum stocks). With an all-in-one trading account with CAPEX, you can also trade shares CFD of public companies like:
- Visa (V) is a global payment service and is unlocking crypto opportunities for businesses and consumers and is helping adoption and investment worldwide. Visa's crypto solution is making digital assets interoperable and it creates a bridge between traditional fiat and digital currencies. Learn how to buy Visa shares
- International Business Machines Corporation (IBM) is the leading American computer manufacturer and it is offering blockchain as a service to enable businesses to build their private and secure blockchain networks. Learn how to buy IBM shares
- Microsoft (MSFT) is offering Ethereum Blockchain as a Service (EBaaS) on the Microsoft Azure cloud. It is intended to offer Enterprise clients and developers a single click cloud-based blockchain developer environment. Learn how to buy Microsoft shares
- MicroStrategy (MSTR) delivers business intelligence through its analytics platform. They invest significant treasury assets in Bitcoin. Learn how to buy MicroStrategy shares
- Coinbase (COIN) is a cryptocurrency exchange that allows consumers, financial institutions, and businesses to transact between fiat and cryptocurrencies and securely store and use cryptocurrencies. Learn how to buy Coinbase shares
>> Learn more about stock investing
How to buy Ethereum
Are you wondering how to buy Ethereum with CFDs? CAPEX offers ETH trading via CFDs on Ethereum USD and Ethereum EUR spot prices to speculate on the value of ETH against the most popular currencies, as well as the brand-new PRO Shares Bitcoin Strategy ETF. Here are the steps:
Step 1: Create an account and deposit funds
When you trade on cryptocurrencies, instead of purchasing Ethereum and other popular digital currencies, you can be ready to open a position much faster. You do not need a digital wallet or an account with an exchange. In fact, all you need to trade via CFDs is an account with a leveraged trading provider.
With CAPEX, you can open an account in minutes, and there is no obligation to add funds until you want to place a trade.
When you create a trading account with CAPEX, you will be able to:
- ‘Buy’ (go long) or ‘sell’ (go short) Ethereum and other popular cryptocurrencies to speculate on their price rising or falling
- Take a position on our range of ETFs to get exposure to a basket of shares from an entire country, index, or sector that could be rising or falling in price.
- Trade a host of global indices to go long or short on the performance of an entire economy with a single trade.
- Use QuantX, the smart portfolio builder that helps you cover the popular industries and only invest in the top-performing stocks.
Step 2: Choose your Crypto trading platform
Our trading platforms can provide you with a smarter and faster way to trade Ethereum CFDs – with personalized alerts, interactive charts, trading signals, and built-in risk management tools. You can trade via the CAPEX trading platform using:
CAPEX Web Trader
Trade on one of the most complete, fully customizable trading platforms on the market.
Available on desktop (Windows, Mac) and mobile (Android, iOS), it provides intuitive, web-based access to a vast range of tradable instruments, charting tools, analytical tools, and many more features.
To view Ethereum's real-time price and chart on the trading platform can click on the "Search" icon located in the left panel or by clicking on "Cryptocurrency" and then select the instrument, in this case, Ethereum EUR or Ethereum USD.
MetaTrader 5, one of the best crypto trading apps, is providing superior tools for comprehensive price analysis, use of algorithmic trading applications (trading robots, Expert Advisor), and copy trading.
MetaTrader 5 is available on both desktop and mobile.
Step 3: Pick up an Ethereum trading strategy
Learning how to buy Ethereum is easy but adopting the right Ethereum trading strategy is essential to time the market.
The main Ethereum trading strategies are:
Buy and hold, also called position trading, is an investment strategy whereby an investor buys Ethereum to hold them long term, with the goal of realizing price appreciation, despite volatility.
Traders take a position according to the main trend (months to years). You can “go long” if Ethereum is in a bullish trend or “go short” if the Ethereum trend is bearish. If the major trend starts to slow or reverse, you will think about closing your position and opening a new one to match the emerging Ethereum trend.
All trades are performed during the day. There are no open positions overnight, though no rollover charges. Traders are looking to profit from Ethereum’s short-term price movements (including scalping), and it can enable them to make the most of daily volatility in bitcoin’s price.
When you hedge Ethereum, it means that you use CFDs to counteract the Ethereum price movement you already own. For example, if you owned some Ethereum but were concerned about a short-term drop in their value, you could open a short position on Ethereum with CFDs. If the Ethereum price falls, the gains on your short position would offset some or all the losses on the coins you own.
Following the chart patterns and general trends can give you a hint to where Ethereum is going.
Step 4: Set your Ethereum orders
A trade order is an agreement to buy or sell a specific asset like Ethereum at a specific price or price range.
To buy Ethereum CFD with CAPEX, click on the "Buy" button and a window is displayed to configure the purchase order. You can choose among Market, Limit, and Stop orders.
Additionally, you can pre-define Stop Loss and Take profit orders, which are crucial risk management tools – that help you minimize the potential loss and maximize the potential gains.
How to buy Ethereum with Market Orders
The simplest type of trade order is a market order. Market orders are usually placed by traders if they want to be certain trade is executed. A market order is instant. Therefore, it is simply an order placed by a trader to buy or sell Ethereum immediately at whatever its current price is.
I want to buy 0.75 Ethereum (ETH) right now or as quickly as possible.
How to buy Ethereum with Limit Orders
While a market order is simply an order placed by traders to buy or sell an asset immediately at whatever the current price, a limit order in its most basic sense, is an order to buy or sell an asset at a specific price. Buy limit orders are placed above key support levels with the purpose of limiting price risks anticipating the uptrend will resume after a correction (buy the dip).
The price for ETH/USD is currently at USD 4200 and you place a buy limit order at USD 4000, then your order is meant to execute at the price of USD 4000 as soon as there is a matching sell order at this price or better.
How to buy Ethereum with Stop Orders
A stop order is an order that becomes a market order only once a specified price is reached. It can be used to enter a new position or to exit an existing one. Limit orders are placed above key resistance levels anticipating a breakout after a consolidation.
The price for ETH/USD is currently at USD 4200 and you place a buy stop order at USD 4250, then your order is meant to become market at the price of USD 4250 as soon as the price is reached.
Step 5: Monitor and close your Ethereum position
To open an Ethereum trade, you’d buy if you thought that the price was going to rise or sell if you thought the price was going to fall. Once your trade is open, you’ll need to monitor the market to make sure that it’s moving in the way you anticipated.
The technical indicators available on our trading platform can help you to determine what Ethereum’s price might do next. Indicators can also help you monitor current market conditions like volatility levels or market sentiment.
CAPEX WebTrader can deliver an in-depth analysis of the charts and offers over 90 indicators (including moving average, MACD, RSI, and Bollinger Bands). The WebTrader platform also supports an interactive trading activity with high-end research tools helping you interpret market data.
Take Profit & Stop Loss
Traders can close a position immediately to take a profit or to cut a loss. You can use market order or set Stop Loss and Take Profit levels when you set the order to buy Ethereum.
The platform offers the stop-loss option, which lets you clearly state how much you're willing to risk with your trade. Similarly, the take profit is the exact opposite. It tells your broker how much you expect to make as a profit and when you want to close your position.
Any profits you make will be paid directly into your trading account. Losses are deducted from your account balance.
When to buy Ethereum
Investors should be aware of the fundamental and technical analysis when deciding when to buy Ethereum. The fundamental analysis considers the news and events about the coins, exchanges, and other crypto businesses. The technical analysis uses the price value history to map the evolution of the supply and demand for Ethereum.
Ethereum Price Prediction using Fundamentals
When using the fundamental analysis approach, investors should be aware of the government regulation, latest cryptocurrency updates, and technical issues, as well as cryptocurrency exchanges that affect the supply and demand for cryptocurrencies.
For instance, when Bitcoin CME was introduced into the government regulations, and it drove the price of Bitcoin to almost $20,000 in December 2017.
An accurate Ethereum price forecast using fundamental analysis considers the three main aspects:
- Blockchain metrics (hash rate, active addresses, transactions fees, and values)
- Financial (market capitalization, liquidity, trading volume, circulating supply)
- Project overview (team’s background, whitepaper, competitors, roadmap, tokenomics)
What is the future of Ethereum?
Ethereum is the first blockchain to extend the potential of blockchain technology beyond cryptocurrency trading. The cryptocurrency, Ethereum (ETH) is meant to power the huge ecosystem of decentralized applications.
Considering its market capitalization, Ethereum is the second-largest crypto, right after Bitcoin. The price of Ethereum surged by 62% from the $3,000 level on 1 October to 10 November 2021, reaching its all-time high value at $4,859. Ethereum’s price has increased by over 560% in 2021.
The Ethereum network is also the main blockchain for trading non-fungible tokens (NFTs), which have seen a spike in prices in 2021, which are also traded in ETH.
As the transactions have intensified on the Ethereum network, the developers have forged a plan to update the network from a Proof-of-Work (PoW) consensus mechanism to a Proof-of-Stake (PoS). The upgrade to Ethereum 2.0 started in December 2020 and it should be complete by the end of 2022.
This change in the way the network works will eliminate the necessity of miners with expensive hardware equipment and will enable Ethereum holders to earn a passive income through staking ETH. Overall, the ETH 2.0 upgrade will transform the network into a much more scalable blockchain solution with smaller fees and high throughput.
According to JPMorgan, institutional investors are increasing their Ethereum holdings to ensure they have exposure over the next-generation Internet (Web3) applications that are based on the network.
WalletInvestor.com suggests that Ethereum could generate a +78.16% return per year, and could reach 7522.690 within a year.
Because is difficult to analyze the intrinsic value of a cryptocurrency, it is recommended you perform a technical analysis before investing in Ethereum CFDs. It might offer some insight into the past movements of Ethereum, helping you predict where it will head in the future.
Ethereum price prediction using technical analysis
Some believe the high concentration of retail traders makes cryptos truer to traditional chart patterns and indications of oversold, overbought conditions, etc.
Technical analysis techniques can be applied to any market where the price can freely fluctuate, and data is available to see those fluctuations. The CAPEX Web Trader has a full suite of all the best-known technical indicators and chart drawing tools.
Ethereum Forecast 2022
Ethereum’s price has been climbing from a low of $1,722.05 on 20 July 2021. It reached $4,022.47 at the beginning of September 2021 and dropped to $2,676.41 on 21 September. As crypto markets rallied in October, so did the Ethereum market. It reached a new all-time high at $4,859.50 on November 10, 2021, after breaking the $4000 key resistance level.
If the price can hold the $4000 level that becomes a support, a continuation to the upside is more likely. The next potential price target is $5,000.
Note how well the 52-week SMA follows the primary trend as a dynamic trendline. For a 2022 Ethereum price forecast, we can consider it the main target of an intermediate trend countertrend (weeks to months) and the lowest price that keeps the Ethereum trend bullish.
Such support levels are used to take profit by short sellers using CFDs and to re-enter the trend or add to a position by trend followers' traders and buy-and-hold investors.
According to Etherscan, as of November 2021, 920625.7 ETH have been burned, which is valued at around $4 billion.
At the time of writing, the market sentiment is bullish. The price could consolidate the $4000 - $4,700 range and move higher in 2022. A narrow, extended consolidation signals a higher probability for the uptrend to resume and a lower probability of a fake breakout.
It’s important to remember that the price of cryptocurrencies is volatile and it’s difficult to predict it even for the near future. Therefore, analysts can get crypto price predictions wrong.
What Moves Ethereum Price
The most important aspects that can influence the Ethereum price are:
- Total supply
- Rules and regulations
Ethereum’s price corresponds to the current supply and demand in the crypto space. Considering that Ethereum does not have a fixed maximum supply, it is hard to predict what will happen in the Ethereum market. As of November 2021, there are around 118 million ETH.
However, the number is expected to decrease as the ETH 2.0 is fully deployed. The new algorithm update EIP 1559, which was implemented in August, burns a part of the transaction fees paid in ETH to miners.
An important aspect of what moves the price of Ethereum is the news.
For instance, Ethereum’s technology is used by IT giants and other corporations to build custom blockchain solutions, including Microsoft, JP Morgan Chase, Intel, and Bank of New York Mellon Corp.
Other companies are raising funds through Initial Coin Offerings (ICOs) on Ethereum.
Ethereum is also the second most accepted means of payment after Bitcoin. A few of the companies accepting Ethereum as payment now are Overstock, Travala, OpenBazaar, and more.
In conclusion, should you Buy Ethereum?
As with any investment, make sure you carefully assess your financial situation before investing in cryptocurrency, Ethereum, and the stock market. Ethereum can be extremely volatile—a single tweet can make its price plummet—as cryptocurrencies are still a highly speculative investment. Follow the already famous crypto investment phrase — "invest only what you can afford to lose".
Best Cryptocurrency to buy in 2022
Cryptocurrencies with the potential to explode in 2022
How to buy Bitcoin
How to buy Litecoin
How to buy Cardano
How to buy Stellar Lumens
How to buy Monero
How to buy Bitcoin Cash
How to buy Ripple
How to buy Chainlink
How to buy Polkadot
How to buy Tron TRX
How to buy Dogecoin
How to buy AAVE
How to buy EOS
How to buy Tezos
How to buy Dash
How to buy NEO
How to buy Compound
How to buy YEARN.Finance