NxtGenFin bloghttps://www.nxtgenfin.tech/blogGuides to next-gen finance tools.enMerchant of record vs payment processor: who handles your sales tax?https://www.nxtgenfin.tech/blog/merchant-of-record-vs-payment-processorhttps://www.nxtgenfin.tech/blog/merchant-of-record-vs-payment-processorMon, 26 Oct 2026 08:00:00 +0000Selling software or digital products worldwide? How a merchant of record like Paddle differs from a processor like Stripe, and who owes the VAT and sales tax.Mint is gone: how to pick a budgeting app to replace ithttps://www.nxtgenfin.tech/blog/mint-alternativeshttps://www.nxtgenfin.tech/blog/mint-alternativesSun, 25 Oct 2026 08:00:00 +0000Intuit shut down Mint in March 2024. How the replacements differ, from strict budgeting with YNAB to tracking with Monarch, Copilot and Rocket Money.Is your money safe in a fintech account? What deposit protection really covershttps://www.nxtgenfin.tech/blog/is-my-money-safe-in-a-fintech-accounthttps://www.nxtgenfin.tech/blog/is-my-money-safe-in-a-fintech-accountSun, 25 Oct 2026 08:00:00 +0000Many accounts are run by fintechs, not banks. How pass-through FDIC insurance and e-money safeguarding work, and what the Synapse collapse showed.Money transfer fees: how to find the real cost of sending money abroadhttps://www.nxtgenfin.tech/blog/how-to-compare-money-transfer-feeshttps://www.nxtgenfin.tech/blog/how-to-compare-money-transfer-feesSun, 25 Oct 2026 08:00:00 +0000The fee is only half the price of an international transfer. How to spot the markup hidden in the exchange rate and compare what actually arrives.How to check if a crypto exchange is licensed under MiCAhttps://www.nxtgenfin.tech/blog/how-to-check-mica-licencehttps://www.nxtgenfin.tech/blog/how-to-check-mica-licenceSun, 25 Oct 2026 08:00:00 +0000Since 1 July 2026, crypto firms serving EU customers need MiCA authorisation. How to check an exchange in ESMA's register, and what a licence covers.Hardware wallet vs software wallet: which crypto wallet do you need?https://www.nxtgenfin.tech/blog/hardware-wallet-vs-software-wallethttps://www.nxtgenfin.tech/blog/hardware-wallet-vs-software-walletSun, 25 Oct 2026 08:00:00 +0000Exchange, software wallet or hardware wallet? How each one holds your crypto keys, what can go wrong, and how to choose for your situation.Employer of record vs contractor: how to hire someone in another countryhttps://www.nxtgenfin.tech/blog/employer-of-record-vs-contractorhttps://www.nxtgenfin.tech/blog/employer-of-record-vs-contractorSun, 25 Oct 2026 08:00:00 +0000Hiring abroad? Compare the two main routes, a contractor agreement or an employer of record (EOR), and the misclassification risk to watch.New crypto tax reporting rules: DAC8, CARF and Form 1099-DA explainedhttps://www.nxtgenfin.tech/blog/crypto-tax-reporting-rules-2026https://www.nxtgenfin.tech/blog/crypto-tax-reporting-rules-2026Sun, 25 Oct 2026 08:00:00 +0000From 2026, EU and UK crypto platforms report your transactions to tax authorities, and US brokers send Form 1099-DA. What changes and what to do.