News Submission:
To whom it may concern,
I bring to your immediate attention a scandalous situation of astonishing negligence by our government bodies, namely the Australian Passport Office (APO) and the Office of the Australian Information Commissioner (OAIC). As a former Datacom employee, a contractor for the APO, I am raising the alarm about a gross mishandling of sensitive and classified information that puts the Australian public at a serious risk.
In early April, I alerted the OAIC about a critical data breach that compromised both Datacom and the APO. The misuse of OpenAI's ChatGPT, a US-based AI technology, in processing highly sensitive APO correspondence resulted in unauthorized disclosure of personal and potentially classified information. This breach might be the Achilles heel of our national security, and its magnitude cannot be overstated.
Despite my prompt and comprehensive report to the OAIC, this urgent matter was met with a disgraceful level of negligence. More than a month later, my report was still stuck in their system with no assigned case officer. This bureaucratic apathy is absolutely unacceptable and disturbing given the severity of the breach.
Adding fuel to the fire, OpenAI has also experienced a data breach, escalating the risk levels exponentially. OpenAI users could access data from other user's dashboards, including ChatGPT interaction history, user’s full name, email address, and partial credit card details. This development, paired with the previous misuse of ChatGPT by Datacom management to process classified APO correspondence, raises the hair-raising likelihood that official secrets and policies may have been leaked.
With the APO already handling the fallout of data breaches from other companies like Optus and Medibank, this added scandal is an outright blow to our trust and security. The government bodies have failed us tremendously and they must be held accountable.
The Australian public deserves to be aware of the outrageous situation unfolding. We must insist on transparency, urgency, and accountability. I implore you to handle this information with the utmost seriousness it demands and aid in the pursuit of change and responsibility.
For my safety and to maintain my professional and personal relationships, I request anonymity in any publications related to this information. I have taken significant personal risks to bring this critical matter to light. Moreover, in the spirit of transparency and to prevent this matter from being unjustly covered up, I have already shared this alarming situation with the wider online community. This step, while taken with extreme caution to preserve my anonymity and safety in the case of the government's unlawful attempts to suppress myself. This is driven by the belief that the gravity of this situation justifies such a move. The Australian public has a right to know about this shocking breach of trust and negligence by entities trusted with safeguarding their sensitive data. It is a truth that must be faced, and a story that demands to be told. Your understanding and cooperation in protecting my identity are deeply appreciated.
Thank you for your attention to this grave matter. I trust in your dedication to public service and the pursuit of truth.
Please find attached all relevant - unredacted - evidence and documents in confidence.Best Regards.
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OAIC Submission:
Urgent Matter Regarding: Reckless Use of AI Technology at Datacom Posing Serious Security Risks
To whom it may concern,
I am writing to you as an ex-employee of Datacom, having left the company on the 6th of April 2023. I wish to remain anonymous due to the potential implications this matter could have on Datacom's relationship with the Australian Passport Office (APO). However, I am compelled by both legal and moral obligations under the Australian Public Interest Disclosure Act to bring an issue of great concern to your attention. This issue involves the misuse of artificial intelligence technology, specifically OpenAI's ChatGPT, by Datacom employees in handling sensitive APO data.
Before delving into the specifics of the matter at hand, allow me to provide a brief background about myself. I studied IT and Engineering Sciences at Flinders University, with a focus on AI and robotics at the Tonsley Campus. Due to health complications, I was unable to complete my studies. Nevertheless, my background has equipped me with a comprehensive understanding of AI technology, which I believe sheds light on the gravity of this situation.
ChatGPT, developed by OpenAI, is a powerful AI language model that generates human-like text based on user input. Its applications range from writing coherent and high-quality emails to spell-checking and contextualizing entire reports when fed the appropriate data. To comprehend the potential risks associated with ChatGPT, one must grasp how user input and generated output function in tandem with AI, as well as the process of training new models from predecessor models and internet data.
Understanding the intricacies of AI training and its implications is essential. AI language models, like ChatGPT, are typically trained through a process called "fine-tuning," which involves feeding the AI model large datasets containing text from various sources, including user inputs and outputs, web pages, and other text-based media. This process allows the AI model to learn patterns, grammar, and context, thereby enabling it to generate coherent and contextually appropriate responses to user inputs.
The potential risks associated with ChatGPT stem from the fact that sensitive and confidential information can inadvertently become part of the AI's training data. When users input sensitive data into the system, it may be incorporated into the AI model's knowledge base, leading to potential exposure or misuse of that information. Additionally, since the AI model learns from user inputs and outputs, it may inadvertently adopt biases, inaccuracies, or inappropriate content present in the training data.
In the case of Datacom's use of ChatGPT for handling APO information, the risks become even more significant. The sensitive nature of the data being processed by the AI could lead to unintended breaches of privacy and confidentiality, as well as potential legal violations. The interconnectedness of user inputs, generated outputs, and the AI training process underscores the importance of a thorough understanding of these risks and the need for stringent security measures to protect sensitive data.
Upon registering an account with OpenAI, users are required to provide a phone number and email address, which are likely personal. Consequently, identifying who is using an account becomes straightforward if tied to both a number and email. In theory, if OpenAI, a US-based company, wanted to isolate data exclusively from Australian Government employees, they could do so through a curated list of phone numbers and email addresses.
Furthermore, OpenAI trains its new models using input data from previous models. Thus, user inputs could be harnessed for model training, as outlined in OpenAI's ChatGPT Terms of Service. Now, imagine training an AI model exclusively on sensitive government data, systematically mining inputs and outputs for confidential foreign government information. Such a scenario may infringe upon multiple Australian legislations and pose significant security risks.
The issue extends beyond mere speculation, as I have personally witnessed Datacom employees, including Team Leaders and the Ops Manager, utilizing ChatGPT on work laptops connected to the work network. On the 5th of April 2023, between 12:30 pm and 2:30 pm, I observed the Operations Manager using ChatGPT on his Datacom laptop. Moreover, I have noticed that certain emails pertaining to Datacom and APO correspondence have begun to resemble text generated by a GPT model rather than human-authored content.
It is crucial to acknowledge that computers on the operating floor are equipped with appropriate restrictions to prevent the use of AI technology in handling sensitive data, such as the blocking of the Bing search assistant in Microsoft Edge. However, my access to these computers as a CSR is limited. Conversely, management personnel appear to have fewer restrictions on their work-provided laptops, which are supplied by Datacom. Despite being intended for work purposes, any discussion of APO data on the Datacom network using these laptops would necessitate that Datacom ensures proper handling of potential breaches. Furthermore, Datacom would bear the responsibility to vigilantly address and mitigate potential misuse of AI within the company, particularly given that even simple spell-checking of emails between Datacom and APO could be considered a breach, let alone generating entire emails with context.
This situation is particularly concerning, considering that all Datacom contracted employees via APO are required to sign a confidentiality agreement as part of their security clearance process to ensure that APO secrets are kept secure. Specifically, employees must adhere to the Australian Government's Protective Security Policy Framework (PSPF), which outlines the security requirements that must be followed by Australian Government agencies, including the Australian Passport Office. The PSPF includes guidelines on the handling of sensitive and classified information, emphasizing the need for strict adherence to these policies to ensure the protection of sensitive data. The use of ChatGPT by Datacom employees, particularly when handling sensitive information, may constitute a violation of the PSPF, potentially exposing the company and its clients to significant risks.
These observations suggest that the problem may not be confined to a few individuals or roles within Datacom. The breach could potentially extend to higher levels of management and other areas of the organization, such as People & Culture. The extent of this issue demands thorough investigation and intervention, lest it continues to undermine the security of sensitive information entrusted to Datacom by its clients, including the APO.
It is crucial to consider the broader implications of this issue in light of recent data breaches involving other companies that handle APO data. Although Datacom has managed the fallout of these incidents commendably, the potential of an even more severe internal breach is deeply disconcerting. The previous APO data breaches were orchestrated attacks and planned hacks; however, the prospect of Datacom employees inadvertently sharing sensitive government data with foreign government tools by utilizing ChatGPT is alarming and simply unacceptable. Such negligent actions could have far-reaching consequences not only for Datacom but also for the Australian Passport Office and the Australian Government as a whole.
Even if ChatGPT was being used as a spell-check tool, copying and pasting entire correspondences with context into the AI essentially shares sensitive information with foreign entities. OpenAI's sophisticated technology could potentially enable real-time control of specific responses, leading to foreign influence over the Australian Passport Office. In addition, the unauthorized disclosure of personal information could lead to serious physical, psychological, emotional, financial, or reputational harm for the affected individuals.
I have friends and family who have been personally affected by data breaches, such as those involving Optus and Medibank. The ramifications of dealing with these breaches have been profoundly challenging for affected individuals and APO customers. Lives have been disrupted, with some individuals facing unemployment and being unable to use their passports for online data verification forms when applying for unemployment benefits and other essential services due to data breaches. The consequences of these breaches have reverberated through their lives, causing undue stress and hardship.
Thankfully, I have not been directly affected by any of these breaches. However, witnessing the struggles of those close to me has reinforced the importance of prioritizing the integrity of our data and proactively taking measures to prevent similar incidents from occurring within Datacom. It is our responsibility to ensure that the sensitive information entrusted to us is handled with the utmost care, diligence, and adherence to legal and ethical standards.
In light of this situation, it is crucial to examine the potential legal implications of this breach. According to the Australian Privacy Act of 1988, specifically the Australian Privacy Principle (APP) 11, organizations must implement reasonable security measures to protect personal information from unauthorized access, disclosure, or loss. Furthermore, under the Telecommunications (Interception and Access) Act of 1979, it is illegal to access stored communications without proper authorization, which may encompass data processed by ChatGPT.
Additionally, the Australian Security Intelligence Organisation (ASIO) Act of 1979 and the Intelligence Services Act of 2001 govern the activities of Australian intelligence agencies and their access to information. Unauthorized dissemination of sensitive data to foreign governments or entities could potentially contravene these legislations, exposing Datacom and its employees to legal repercussions.
It is also important to consider OpenAI's Terms of Service in this context. Section 2.2 explicitly states that users are responsible for their actions and the consequences thereof while using the platform, including compliance with all applicable laws, regulations, and third-party rights. Section 3.1 outlines user conduct restrictions, such as not using the platform to "violate any applicable law, regulation, or third-party rights" or to "enable or assist others to do any of the foregoing." The use of ChatGPT to process sensitive APO data could be considered a violation of these requirements, as well as potentially infringing upon Australian legislation.
This intersection of OpenAI's Terms of Service and Australian privacy laws underscores the gravity of the situation and the urgent need for a thorough investigation into Datacom's handling of sensitive information. The combination of legal and ethical concerns demands immediate action to mitigate potential risks and protect the privacy of APO customers.
In light of the potential ramifications of this issue, I urge you to treat this matter with the utmost urgency and diligence. It is vital to initiate a thorough investigation into the reckless use of AI technology within Datacom and ascertain the extent of any breach, identify those involved, and implement appropriate remedial measures and safeguards. If left unaddressed, the consequences could be far-reaching, impacting not only Datacom's reputation and business relationships but also the security of sensitive government data. As an ex-employee who values the company's commitment to its clients and the safety of their data, I trust that you will take the appropriate steps to address this urgent matter and involve the relevant authorities responsible for protecting sensitive information and ensuring compliance with applicable laws and regulations.
Thank you for your attention to this critical issue. Should you require any further information or assistance, please do not hesitate to contact me. I am willing to cooperate fully with any investigation, albeit anonymously, to ensure my own safety and security, as well as the protection of sensitive data and the interests of APO customers.
Yours in confidence,
Concerned Former Datacom Employee.
​
OAIC Call 22nd May:
http://sndup.net/wxjy
​
Acknowledgement of Data Breach form received.
Official Secrets form Signed and dated, prior to APO contract.

TLDR:

SPY closed a candle below the change of character at 419.21 so now I’m looking for selling opportunities until we get below the 50% discount zone at 416.44. As noted in the recap, we swept a few sell-side liquidities and have a few more to check off, IMO. Could we bounce at the current level? Absolutely. Is it probable? No, in my opinion, because we are balanced at this level and have a few buy-side imbalances and sell-side inefficiency below the current level that the market may be looking to balance. I’ve established that we are in a bull market and looking for a pullback.

Market Momentum Pauses as AI-Fueled Rally Steadies; Investors Eye Congressional Debt Deal

May 30th Recap
The stock market's momentum stalled after a dramatic rally, driven by the enthusiasm around artificial intelligence technologies, catapulted the market to its loftiest heights since August. Treasury yields dipped in anticipation of the U.S. Congress passing a resolution to avert a debt default.
The S&P 500 barely budged in trading, holding its ground just north of the 4,200 mark. With oil prices sliding below the $70 per barrel threshold, energy firms emerged as the drag on the index. Meanwhile, the Nasdaq 100 continued its upward trajectory for the year, posting a robust 31% gain. Nvidia, a leader in the AI sector, hovered near the $1 trillion valuation mark following the unveiling of several AI-centric products. Blue-chip stocks such as Apple and Tesla also made notable strides, advancing over 1.5%.
On the bond front, U.S. yields retreated from their March peak as investors sized up the likely economic fallout from the recent agreement to temporarily lift the federal debt ceiling over the holiday weekend, along with an anticipated surge of month-end buying.
Treasury notes with maturities spanning 3 to 10 years were at the forefront of this downward trend. The two-year yield, typically more responsive to Federal Reserve policy changes projections than its longer-term counterparts, hovered around the 4.5% mark.
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SPY Emerges from Accumulation Phase, Enters Redistribution's First Stage: Bears Eye Tomorrow's Market for 2nd Redistribution Stage
SPY drew buy-side interest at 420.89 and saw accumulation at the day's top. Following this, it shifted lower, erasing sell-side liquidity at 419.78 and 419.05, effectively completing the first redistribution phase. This could signal a new trend in SPY's market behavior.
https://preview.redd.it/s8fiqa49g33b1.png?width=1456&format=png&auto=webp&s=bd20e7266112404336213e68cacdada6b61d0985
Currently underwater on my SPY and QQQ puts. Let’s see how tomorrow plays out.
https://preview.redd.it/c61mh14bg33b1.png?width=1456&format=png&auto=webp&s=c2f4e74761a50499560349014bd84b12271d703e
https://preview.redd.it/lb6n4tdcg33b1.png?width=1456&format=png&auto=webp&s=9eb6f6b64855a6779ca243d34cf3cfb230391447
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Understanding The Economic Vital Signs of Texas

Business indicators serve as the economy's vital signs. They provide a real-time glimpse into the health of a region's economy. A recent analysis of Texas' economy paints a mixed picture. While certain indicators such as production, capacity utilization, new orders, and the growth rate of orders are trending down, others are showing surprising resilience​.
The Current State of Affairs
A noticeable trend is the rise in finished goods inventories. This could suggest that Texas businesses are anticipating a surge in demand. Alternatively, it might be a signal that goods are not selling as quickly as expected, an indicator of a potential slowdown in consumer activity​.
At the same time, data shows a decrease in prices paid for raw materials, prices received for finished goods, and wages and benefits. This could imply tighter margins for businesses in the near future, which might put pressure on profitability​.
Looking Forward
Future projections provide mixed signals. Predictions point to increases in production, capacity utilization, shipments, and employment in the next six months. This could suggest a potential rebound in the economic activities of the region​.
However, the future might not be all rosy. Anticipated decreases in new orders, the growth rate of orders, unfilled orders, delivery time, finished goods inventories, prices paid for raw materials, hours worked, and capital expenditures could suggest challenging times ahead​.
A key point of concern is the projected decrease in capital expenditures (CapEx). If Texas businesses are less willing or able to invest in their future growth, it could have a significant impact on the state's long-term economic vitality​.
Concluding Thoughts
In conclusion, the business climate in Texas appears to be a mixed bag. While there are reasons for optimism, such as projected increases in production and employment, there are also reasons for concern. As always, a balanced and nuanced understanding of these indicators is necessary when making business decisions or forecasting economic trends​.
For those interested in a more detailed analysis of the state's manufacturing sector, the Texas Manufacturing Outlook Survey provides further insights. This survey offers a comprehensive overview of the state's factory activity, which is a crucial component of Texas' economy.
-----------------

Job Openings, Fed Speeches, and More: A Busy Economic Day Looms

Economic eyes will be wide open tomorrow, May 31, as significant data releases are scheduled to roll out. Kicking off at 9:45 am ET, the Chicago Business Barometer for May will be unveiled, with market experts predicting a reading of 47.3, a slight dip from the previous 48.6.
Following this, at 10:00 am, the spotlight will shift to the April job openings report. Forecasters estimate 9.5 million, a marginal decrease from the 9.6 million recorded the prior month.
The day's agenda also includes two noteworthy speeches from Federal Reserve officials. Philadelphia Fed President Patrick Harker is set to take the podium at 12:30 pm, followed by Fed Governor Jefferson's address at 1:30 pm.
Finally, the economic day wraps up at 2:00 pm with the release of the Federal Reserve's Beige Book, providing insights into current economic conditions across the 12 Federal Reserve districts.
Note that no red envelope (market moving) news exists until Thursday. But anything can happen with the debt ceiling trying to move through Congress. Watch the headlines.
https://preview.redd.it/ojg3a58vg33b1.png?width=1456&format=png&auto=webp&s=4ba60de0162f1e80a0b973b2b615197af46fb800
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COT Data - E-MINI S&P 500

Overall, trading activity seems to increase across all groups, with a mix of bullish and bearish sentiment changes. The increase in short positions among Dealer Intermediaries and Leveraged Funds suggests a growing bearish sentiment among these groups. Meanwhile, Asset ManageInstitutional and Other Reportables showed a shift towards a more bullish sentiment, increasing their long positions and decreasing their short positions.
The new COT report for E-MINI S&P 500 as of May 23, 2023, shows the following positions:

• Dealer Intermediary: Long 491,690 (+48,280), Short 437,143 (+75,927), Spread 59,895 (-6,019)
• Asset ManageInstitutional: Long 1,050,328 (+6,169), Short 422,716 (-8,405), Spread 220,961 (-10,174)
• Leveraged Funds: Long 164,886 (+37,252), Short 682,787 (+53,877), Spread 53,056 (-4,147)
• Other Reportables: Long 89,199 (+2,873), Short 235,642 (-17,703), Spread 7,195 (+285)
• Nonreportable Positions: Long 248,726 (+5,119), Short 266,541 (-4,003)

The plus/minus numbers indicate the position change compared to the previous report. The numbers after the plus/minus represent each category's open interest percentage.
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Catch the Market Pulse: Unraveling the Oscillations Between External and Internal Liquidity

The market moves from the external liquidity range to the internal liquidity range and back to the external liquidity range.

1. External to Internal: At the start of a trading period, the market may be at an extreme range where external liquidity is high. This could be a point where many stop orders (buy-side for downtrends, sell-side for uptrends) are placed. As these stop orders are hit, they generate trades that move the market away from the extreme towards the internal range.
2. Internal Liquidity Phase: Once the market moves into the internal range, trades occur within this range. During this phase, new buy & sell orders populate the range, and market maker buy & sell models form inside the range. This phase is characterized by liquidity voids and fair value gaps filling in.
3. Internal to External: After some time, the market might move towards the other extreme of the range, where the opposite type of stop orders (sell-side for downtrends, buy-side for uptrends) are placed, representing high external liquidity. The hitting of these stop orders then pushes the market back towards the internal range, and the cycle repeats.

Here is an example of the ES based on today’s price action. Study the chart. Add the levels. Note how the market has moved into the internal liquidity phase after completing the external liquidity phase.
https://preview.redd.it/ov5cdkr0h33b1.png?width=1456&format=png&auto=webp&s=44b318331b2c43a0a667403aa5cc1f7d687c0af7
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SPY Technical Outlook

https://preview.redd.it/kax96jsmi33b1.png?width=1404&format=png&auto=webp&s=760c0134649fac2ef8c32a60a0b1dd418d1fa544

H1 Chart

SPY closed a candle below the change of character at 419.21 so now I’m looking for selling opportunities until we get below the 50% discount zone at 416.44. As noted in the recap, we swept a few sell-side liquidities and have a few more to check off, IMO. Could we bounce at the current level? Absolutely. Is it probable? No, in my opinion, because we are balanced at this level and have a few buy-side imbalances and sell-side inefficiency below the current level that the market may be looking to balance. I’ve established that we are in a bull market and looking for a pullback.
Bias: Bearish
Critical Levels to Monitor
Confirmed Dealing Range:
0%: 422.99
50%: 416.44
100%: 409.88
Change of Character: 421.34 (Candle close above this level and look for recent high and new high to form)
Break of Structure: 418.74 (Break this level and the downtrend continues)
Fair Value Gaps: (Fair Value Gaps refer to situations where market inefficiencies or imbalances exist. These 'imbalances' indicate that the buying and selling volume is not in equilibrium.)

• 417.40 - 418.27 (Bullish) (internal range liquidity target)
• 415.90 - 416.88 (Bullish) (internal range liquidity target)

Bullish Order Block:

• 414.99 - 413.68 (internal range liquidity target)
• 411.54 - 409.88 (support)

Bearish Order Block:

• 422.99 - 422.04 (resistance)
• 431.73 - 428.15 (upside target)

Upside Targets:

• 420.99 (0%) (T.P. 1)
• 426.54 (-27%) (T.P. 2)
• 431.15 (-62%) (T.P. 3)
• 436.11 (-100%) (T.P. 4)

https://preview.redd.it/uraihhoui33b1.png?width=1456&format=png&auto=webp&s=3bdcee473c20bf3e3f970678ab369647f48a3deb
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Here are a few profiles that I’m watching for the rest of the week. Note that I lifted these models off of silkyfx on Twitter (no affiliation). They have great educational content and are worth the follow.
https://preview.redd.it/ho9844y2j33b1.png?width=618&format=png&auto=webp&s=14723313460e15844b2090a805c9e55918f1bfff
https://preview.redd.it/55n8f2z3j33b1.png?width=619&format=png&auto=webp&s=446df307b6d8c59d12d6ed05bf4ddb4785608d9d
https://preview.redd.it/xsp9mvy4j33b1.png?width=622&format=png&auto=webp&s=13ceb037122ee4f0eef40d89e10818af970739ea
https://preview.redd.it/rvu247r5j33b1.png?width=619&format=png&auto=webp&s=98f46cab24d511024cfa8cf405da0c2486dc41e1
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On the H1 timeframe, we printed a bearish divergence this morning. I will now look for it to play out to at least the 30-line (oversold).
https://preview.redd.it/qhemyb67j33b1.png?width=1456&format=png&auto=webp&s=78f447080c9284f33531b4998717020205be64c5
We are also near the top range of the bullish uptrend on the RSI. It does have room to run, but, to me, the H1 chart looks bearish to me, and it’s unlikely that we will form a new high tomorrow
https://preview.redd.it/kdt1ncj9j33b1.png?width=1456&format=png&auto=webp&s=4cd69ffc4ea457c4820fac7d2231d5f615ddb387
-----------------
Thanks for reading. Godspeed and make that money!

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https://preview.redd.it/53c64tgm333b1.jpg?width=850&format=pjpg&auto=webp&s=c24288472b5a0cd4a1a5bdd3f52ec75aec00b9ce

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2. Verify your identity to finish your account set up.
3. If you don't have a crypto wallet yet, set one up. I recommend Metamask, and you can follow this guide.
4. From a crypto exchange, send at least $53 worth of MATIC (Polygon) to Metamask. Make sure you're withdrawing to Polygon mainnet, NOT to Ethereum/ERC-20. You want to have extra room of $3+ in MATIC for paying transaction fees later and $1 extra when withdrawing your bonus credit. Make the send amount $63 in MATIC if you are going for the $10 bill-pay bonus as well. You can read my tips section for how to transfer your crypto the same day and saving $ on fees when sending your MATIC.
5. Back on your Spritz page, press "Spend" to set up your Spritz virtual debit card.
6. Click "Fund with Crypto" and connect your wallet (Metamask etc.). Select/switch to Polygon network at the top of the screen.
7. Enter $50 or more for the funding amount. Remember, you'll want to leave $3+ worth of MATIC in your wallet.
8. Press "Fund with M" and confirm in your wallet to finalize your transaction.
9. You'll see $50 added to your "bonus credit" INSTANTLY!
10. The other $50 for the May Promo will be credited in beginning June.

To Get An Additional $10 Bonus:

1. Within 7 days of signup, go to "Pay" at screen-top to begin a bill-pay.
2. Add an account to pay. You can add a variety of bills including credit card and utility bills.
3. Press "Pay with crypto", connect your wallet and enter at least $10. The max matching bonus of $10 is added in the final amount.
4. Press "Pay with M" and confirm to send the payment.

How To Withdraw/Use Your Bonus Credit:
You can use your bonus credit in one of the following ways:

1. Top up your Spritz card to shop with it <--- (CashApp works for now)
2. "Off-ramp" payment (transferring crypto to your bank)
3. Pay a bill
4. Pay someone

Press "Apply" to apply your "reward balance". Do note that you do have to add minimum of $1 in MATIC for one of these transaction.
Tips On Moving Your Crypto (MATIC etc.) To Your Wallet:
Coinbase is a great choice if you're starting out with crypto because it's easy to use. But using regular ACH bank transfer from your bank will force you to wait a few days until you can withdraw your crypto you buy on Coinbase. If you want to buy and withdraw crypto the same day, try this method:

1. Buy bitcoin with debit card in Strike app (cheap fee)
2. Send bitcoin to an exchange (cheap fee)
3. Buy MATIC with bitcoin on exchange
4. Send MATIC to Metamask

This page lists exchanges with low withdrawal fees for MATIC. Kraken and Crypto .com are good choices.
---
Spritz charges you nothing if your monthly total transaction is below $100. After that, you start to incur small fees. See Fee Table.
Spritz' referral program is described here (clarification: funding Spritiz card IS a qualifying bill payment).
The May Debit Card Promo is described here.
USA only. There is no credit check.
Please feel free to DM me to ask questions. I appreciate you using my referral link!
https://preview.redd.it/yztjn80m333b1.jpg?width=632&format=pjpg&auto=webp&s=57bf724bcd63eb36fa9c41e4e7c8e35571b5123f
https://preview.redd.it/0qp3oj2m333b1.jpg?width=872&format=pjpg&auto=webp&s=e0ace3ebebf0527f2c3085ef204a7eddc01e8eaa
https://preview.redd.it/hnfxth4m333b1.jpg?width=581&format=pjpg&auto=webp&s=72811c5ee9f2499c65baf868de139b0d1219b98a
https://preview.redd.it/ztvgmf6m333b1.jpg?width=850&format=pjpg&auto=webp&s=f3d8dad73fee5b533e33a01c7eeb4369a55458bd

Spritz Finance lets you easily use your crypto for everyday expenses. They currently offer a virtual debit card, crypto-wallet-to-bank transfer, bill payment using crypto and paying anyone to his/her bank using crypto.
Right now, if you sign up through my referral link and fund your Spritz virtual debit card with $50 or more with your crypto, this single action makes you eligible for their referral bonus ($50), AND their "May Debit Card Funding Promo" (another $50), so you'll get $100 total! In addition, there is a $10 bonus promo for making your first bill payment.
Spritz accepts several kinds of crypto, but I recommend using MATIC (Polygon) because its transactions are dirt cheap (5-10 cents each time) and fast (seconds). Do use MATIC on Polygon Mainnet, NOT MATIC that's ERC-20 on Ethereum chain (Learn more). I'll be using MATIC throughout this guide, though you can use any supported crypto.
---
To Get $50 + $50 (ends 5/31):

1. Sign up for Spritz Finance using my referral link: https://app.spritz.finance/signup?grsf=iytq7z
2. Verify your identity to finish your account set up.
3. If you don't have a crypto wallet yet, set one up. I recommend Metamask, and you can follow this guide.
4. From a crypto exchange, send at least $53 worth of MATIC (Polygon) to Metamask. Make sure you're withdrawing to Polygon mainnet, NOT to Ethereum/ERC-20. You want to have extra room of $3+ in MATIC for paying transaction fees later and $1 extra when withdrawing your bonus credit. Make the send amount $63 in MATIC if you are going for the $10 bill-pay bonus as well. You can read my tips section for how to transfer your crypto the same day and saving $ on fees when sending your MATIC.
5. Back on your Spritz page, press "Spend" to set up your Spritz virtual debit card.
6. Click "Fund with Crypto" and connect your wallet (Metamask etc.). Select/switch to Polygon network at the top of the screen.
7. Enter $50 or more for the funding amount. Remember, you'll want to leave $3+ worth of MATIC in your wallet.
8. Press "Fund with M" and confirm in your wallet to finalize your transaction.
9. You'll see $50 added to your "bonus credit" INSTANTLY!
10. The other $50 for the May Promo will be credited in beginning June.

To Get An Additional $10 Bonus:

1. Within 7 days of signup, go to "Pay" at screen-top to begin a bill-pay.
2. Add an account to pay. You can add a variety of bills including credit card and utility bills.
3. Press "Pay with crypto", connect your wallet and enter at least $10. The max matching bonus of $10 is added in the final amount.
4. Press "Pay with M" and confirm to send the payment.

How To Withdraw/Use Your Bonus Credit:
You can use your bonus credit in one of the following ways:

1. Top up your Spritz card to shop with it <--- (CashApp works for now)
2. "Off-ramp" payment (transferring crypto to your bank)
3. Pay a bill
4. Pay someone

Press "Apply" to apply your "reward balance". Do note that you do have to add minimum of $1 in MATIC for one of these transaction.
Tips On Moving Your Crypto (MATIC etc.) To Your Wallet:
Coinbase is a great choice if you're starting out with crypto because it's easy to use. But using regular ACH bank transfer from your bank will force you to wait a few days until you can withdraw your crypto you buy on Coinbase. If you want to buy and withdraw crypto the same day, try this method:

1. Buy bitcoin with debit card in Strike app (cheap fee)
2. Send bitcoin to an exchange (cheap fee)
3. Buy MATIC with bitcoin on exchange
4. Send MATIC to Metamask

This page lists exchanges with low withdrawal fees for MATIC. Kraken and Crypto .com are good choices.
---
Spritz charges you nothing if your monthly total transaction is below $100. After that, you start to incur small fees. See Fee Table.
Spritz' referral program is described here (clarification: funding Spritiz card IS a qualifying bill payment).
The May Debit Card Promo is described here.
USA only. There is no credit check.
Please feel free to DM me to ask questions. I appreciate you using my referral link!
https://preview.redd.it/ts93fmgl333b1.jpg?width=632&format=pjpg&auto=webp&s=39304707eeb9aac86710eaeb2debb62b4250b675
https://preview.redd.it/qjtilkil333b1.jpg?width=872&format=pjpg&auto=webp&s=f9919c1c73f4589256f9155aa2e83830c1a9c8b2
https://preview.redd.it/gw5c5fkl333b1.jpg?width=581&format=pjpg&auto=webp&s=1fc9212b75294ecd4e49befb20138291d92674e6
https://preview.redd.it/29hr8eml333b1.jpg?width=850&format=pjpg&auto=webp&s=3106d7bbdb96915a55e685a758769b8934e2728a

Spritz Finance lets you easily use your crypto for everyday expenses. They currently offer a virtual debit card, crypto-wallet-to-bank transfer, bill payment using crypto and paying anyone to his/her bank using crypto.
Right now, if you sign up through my referral link and fund your Spritz virtual debit card with $50 or more with your crypto, this single action makes you eligible for their referral bonus ($50), AND their "May Debit Card Funding Promo" (another $50), so you'll get $100 total! In addition, there is a $10 bonus promo for making your first bill payment.
Spritz accepts several kinds of crypto, but I recommend using MATIC (Polygon) because its transactions are dirt cheap (5-10 cents each time) and fast (seconds). Do use MATIC on Polygon Mainnet, NOT MATIC that's ERC-20 on Ethereum chain (Learn more). I'll be using MATIC throughout this guide, though you can use any supported crypto.
---
To Get $50 + $50 (ends 5/31):

1. Sign up for Spritz Finance using my referral link: https://app.spritz.finance/signup?grsf=iytq7z
2. Verify your identity to finish your account set up.
3. If you don't have a crypto wallet yet, set one up. I recommend Metamask, and you can follow this guide.
4. From a crypto exchange, send at least $53 worth of MATIC (Polygon) to Metamask. Make sure you're withdrawing to Polygon mainnet, NOT to Ethereum/ERC-20. You want to have extra room of $3+ in MATIC for paying transaction fees later and $1 extra when withdrawing your bonus credit. Make the send amount $63 in MATIC if you are going for the $10 bill-pay bonus as well. You can read my tips section for how to transfer your crypto the same day and saving $ on fees when sending your MATIC.
5. Back on your Spritz page, press "Spend" to set up your Spritz virtual debit card.
6. Click "Fund with Crypto" and connect your wallet (Metamask etc.). Select/switch to Polygon network at the top of the screen.
7. Enter $50 or more for the funding amount. Remember, you'll want to leave $3+ worth of MATIC in your wallet.
8. Press "Fund with M" and confirm in your wallet to finalize your transaction.
9. You'll see $50 added to your "bonus credit" INSTANTLY!
10. The other $50 for the May Promo will be credited in beginning June.

To Get An Additional $10 Bonus:

1. Within 7 days of signup, go to "Pay" at screen-top to begin a bill-pay.
2. Add an account to pay. You can add a variety of bills including credit card and utility bills.
3. Press "Pay with crypto", connect your wallet and enter at least $10. The max matching bonus of $10 is added in the final amount.
4. Press "Pay with M" and confirm to send the payment.

How To Withdraw/Use Your Bonus Credit:
You can use your bonus credit in one of the following ways:

1. Top up your Spritz card to shop with it <--- (CashApp works for now)
2. "Off-ramp" payment (transferring crypto to your bank)
3. Pay a bill
4. Pay someone

Press "Apply" to apply your "reward balance". Do note that you do have to add minimum of $1 in MATIC for one of these transaction.
Tips On Moving Your Crypto (MATIC etc.) To Your Wallet:
Coinbase is a great choice if you're starting out with crypto because it's easy to use. But using regular ACH bank transfer from your bank will force you to wait a few days until you can withdraw your crypto you buy on Coinbase. If you want to buy and withdraw crypto the same day, try this method:

1. Buy bitcoin with debit card in Strike app (cheap fee)
2. Send bitcoin to an exchange (cheap fee)
3. Buy MATIC with bitcoin on exchange
4. Send MATIC to Metamask

This page lists exchanges with low withdrawal fees for MATIC. Kraken and Crypto .com are good choices.
---
Spritz charges you nothing if your monthly total transaction is below $100. After that, you start to incur small fees. See Fee Table.
Spritz' referral program is described here (clarification: funding Spritiz card IS a qualifying bill payment).
The May Debit Card Promo is described here.
USA only. There is no credit check.
Please feel free to DM me to ask questions. I appreciate you using my referral link!
https://preview.redd.it/ugap3y0l333b1.jpg?width=632&format=pjpg&auto=webp&s=650a0f74675cc0e71df639a07ac50c3a1c190d1a
https://preview.redd.it/8nsltt2l333b1.jpg?width=872&format=pjpg&auto=webp&s=8fdd9e2b94695f9fb1618c20476f732dda0450e3
https://preview.redd.it/cy4syt4l333b1.jpg?width=581&format=pjpg&auto=webp&s=f9b9fd4d6b35384b7dc25073b31319df8777cc12
https://preview.redd.it/u42d4r6l333b1.jpg?width=850&format=pjpg&auto=webp&s=8e6a6264d45fe1555d921333919e74b9930a1412