The Ngardmau Waterfall is considered to be the tallest waterfall that can be found on the main island of Babeldaob, which is part of the sovereign state in free association with the United States, the Republic of Palau.
Being known also as the tallest waterfall in the entire Micronesia region, Ngardmau Waterfall flows from the highest peak of the nation, Mount Ngerchelchuus.
Having some 20 meters (66 feet) in height, the water falls in a pool in which visitors who would like to hike half an hour to reach this stupendous gem, can swim a bit in the cool and very clean water.
Surrounded by lush vegetation in the rainforest, although Ngardmau Waterfall is considered to be a popular tourist attraction, it is not very visited by tourists, which makes it a very interesting getaway place from the crowded big island. Certainly a great natural treasure which Palauans can be really proud of.
The waterfall was designated the “Taki” Conservation Area in 2005 and expanded in area in 2010.
The conservation area includes a variety of terrestrial habitats, with upland old-growth forest, savanna, river, swamp forest, and secondary forest.
The conservation area is part of the Middle Ridge Important Bird Area. The endangered Micronesian megapode has been observed there, in addition to other endemic birds.https://www.seacology.org/project/213-palau/
There is increasing local concern about the safety and stability of the trail to the waterfall.
Visitors must walk down a series of steep stairs cut into the hillside, follow a low-lying, muddy path through the forest, and ford a stream before they reach the waterfall.
The constant foot traffic on the dirt trail has substantially increased erosion and sedimentation into the river.
This threatens the community water source, river fauna, and marine flora and fauna at the river mouth.
In collaboration with the Palau Conservation Society, Seacology will fund one of the most urgent restoration tasks: the design and construction of a 280-foot boardwalk through low-lying forest.
The 2023 Farming Season has witnessed a tragedy for ginger farmers, particularly in the North Central region of Nigeria, where most of the cultivation occurs.
Farmers reports a distressing situation where ginger plants have wilted and dried prematurely, leaving them with heaps of rotten ginger.
The impact extends beyond financial losses, as many farmers struggle to repay loans they took to expand their production.
In response to this crisis, Her Excellency Dorothy Nuhu Aken’Ova, an APC Chieftain, has raised the alarm, emphasizing the urgent need for government intervention.
Dorothy Nuhu, who was a presidential aspirant in Nigeria, further called upon the Presidency, the Ministry of Agriculture, and the National Root Crops Research Institute to swiftly allocate resources for investigating this unexplained phenomenon.
She urged the agencies’ concern to conduct comprehensive research, raise awareness among farmers, bolster farmers’ associations, and provide necessary support and interventions to help them recover.
“The crisis not only jeopardizes the livelihoods of countless farmers but also threatens to significantly impact Nigeria’s GDP and, by extension, the nation’s economy.“added Dorothy
“Neglecting this critical sector would have far-reaching consequences, especially considering its potential to contribute to the country’s revenue and provide employment opportunities, especially for women who play a substantial role in the ginger farming sector.”
As the nation endeavours to revitalize its economy and tackle financial challenges,
The APC Chieftain advised the government for urgent and proactive measures to prevent further losses in the ginger farming industry.
“The government must swiftly address this crisis and safeguard the interests of farGinger Farmers Seek Government Aid For Agricultural Crisesmers, ultimately bolstering Nigeria’s agricultural sector and overall economic stability.”
Traditionally, ginger farming has been a lucrative venture and a vital spice in the country, with notable contributions to Nigeria’s export market.
This significant sector, once a thriving export commodity, is now grappling with a mysterious phenomenon resulting in substantial losses for farmers.
Price of 12.5kg of Liquefied Natural Gas or cooking gas has increased to N12,500 as Nigeria celebrates her 63rd Independence anniversary.
Market survey by news correspondent revealed that gas retailers had jerked up prices of 12.5kg from N10,000 reported towards the end of last month, to around N12,500 in Lagos.
LN247 had reported how the President, Nigerian Association of Liquefied Petroleum Gas Marketers, Olatunbosun Oladapo, warned that the price of 12.5kg cooking gas could hit as high as N18,000 by December if the Federal Government did not checkmate the activities of the terminal owners.
However, despite the warning, Olatunbosun told The PUNCH on Monday, that the government was yet to wade into the crisis.
“Yes, the price is now N1,000 per kilogram but the government is yet to step in despite a meeting we had with the NMDPRA,” he said.
According to him, gas retailers still buy 20 metric tons of gas for N14m at the depot.
“We still buy a 20 MT truck at N14m at the depots. And the price of diesel has increased that it now costs N1.7m to take gas from Lagos to the North due to the high cost of diesel. If we sell here at N1,000 per 1kg, just imagine how much it would cost in the Middle East and North.
“What we pray for is for prices to come down so that the ordinary masses can benefit from the decade of gas policy of the Federal Government that seeks to make gas accessible and affordable for the common man.”
In September, terminal owners jerked up the price of cooking gas from between N9m-N10m per 20 metric tons to N14m.
“There is a ridiculous hike in gas prices going on right now, and I am afraid that if the Federal Government does not step in to checkmate the activities of these terminal owners, price could reach as high as N18m for a 20 metric tons truck by December. This means that a 12.5kg could go as high as N18,000”.
According to him; terminal owners were “hiding under the guise of high foreign exchange to increase price, and further increase the suffering of the masses,” he said.
The Federal High Court, Abuja Judicial Division, will in October hear the N30bn suit lodged by the Advertising Regulatory Council of Nigeria against Meta Platforms Incorporated (owners of Facebook, Instagram and WhatsApp platforms) and its agent AT3 Resources Limited.
The Director-General of ARCON, Olalekan Fadolapo, made the disclosure during an exclusive interview with The PUNCH.
ARCON is seeking a declaration among others that the continued publication and exposure of various advertisements directed at the Nigerian market through Facebook and Instagram platforms by Meta Platforms Incorporated, without ensuring the same is vetted and approved before exposure is illegal, unlawful and a violation of the extant advertising Law in Nigeria.
According to the apex regulatory body for advertising in the country, Meta Platforms Incorporated’s continued exposure of unvetted adverts had led to a loss of revenue to the Federal Government.
Fadolapo, while speaking, confirmed that the Federal High Court in Abuja had granted ARCON a leave to serve a writ of summons to Meta. The writ was served at the company’s United States corporate headquarters.
He said the decision to serve the company at its corporate headquarters became necessary after Meta claimed that it did not have any physical office in Nigeria.
He said, “The case is coming up this October, because the level of shenanigans that is happening in that place (Facebook) is too much. But trust me, we will use all legal means to sanitise that space.
“What we are saying is that what they are showing to the Nigerian audience, which is our territorial space is indecent. We will not go and regulate the media in the US, but what we will do is regulate the media space here in Nigeria.
“They said they don’t have an office in Nigeria, but they are doing business in Nigeria. So, we are not concerned about their office, we are concerned about the business they are doing in Nigeria. If you are doing business in Nigeria, you are supposed to abide by Nigerian laws.”
The war will end with Ukraine’s unconditional surrender to Russia or, if NATO intervenes, it will end with the absolute destruction of Ukraine, Scott Ritter said.
Ritter feels it is more likely Ukraine will unconditionally surrender. On this basis, he said, BlackRock will never realise the investment opportunities it is creating in collaboration with the Ukrainian government. “Because Ukraine is going to lose the war, and Russia will make null and void any arrangement that Blackrock has signed.”
According to Ritter, Zelensky is a tool of Western intelligence and of Western governments who used him to manipulate Ukraine into serving as a proxy of NATO in a larger conflict against Russia.
“He is an actor who has been ably reading scripts handed to him by his CIA and MI6 masters. And he had a successful first season, we could say. The show was well written and the product was seen by the viewership as being worthy of continued support,” Ritter said.
“But the second season has not been so successful. The second season, I guess we could have called it the ‘season of the counter-offensive’. And the counter-offensive has failed egregiously, and now the West is stuck with an actor whose script no longer motivates.”
Scott Ritter is a former Marine intelligence officer who served in the former Soviet Union, implementing arms control agreements, and on the staff of General Norman Schwartzkopf during the Gulf War, where he played a critical role in the hunt for Iraqi SCUD missiles. In July he published a two-part documentary titled ‘Agent Zelensky’. You can view Part 1 HERE and Part 2 HERE.https://bit.ly/48FTYfI
Last week, Ritter joined Global Research News Hour to share his thoughts about the looming demise of the Russia/Ukraine war, the creation of the Ukraine Reconstructive Bank and his trip to Russia earlier this year.
The first half of Global Research News Hour‘s podcast is an interview with Canadian Tamara Lorincz about how Canada’s foreign policy has been shaped by its involvement in NATO. Ritter’s interview begins at timestamp 29:15. You can listen to the podcast HERE and you can read the transcript HERE.https://bit.ly/48FTYfI
Zelensky Has a Bad Trip
As Volodymyr Zelensky left Europe, we saw Poland begin to turn its back on Ukraine. And this is a very problematic issue for Ukraine, Ritter said.
“Poland serves as a conduit, a physical conduit, of munitions being sent to Ukraine. Polish personnel have fought by the tens of thousands in Ukraine on the side of the Ukrainian army as mercenaries. Poland has turned over significant numbers of tanks, artillery pieces, and riding vehicles. And now Poland has said it will no longer participate in that, that they will no longer send military equipment to Ukraine.
“And so, having Poland turned its back on Zelensky and on Ukraine was basically the precursor for what turned out to be a disastrous trip.”
Zelensky’s disastrous trip began at the 78th session of the United Nations (“UN”) General Assembly. The theme of the session was ‘Rebuilding trust and reigniting global solidarity: Accelerating action on the 2030 Agenda and its Sustainable Development Goals towards peace, prosperity, progress, and sustainability for all’.
There are five permanent member states on the UN Security Council – but of all their leaders, Joe Biden was the only one to show up. Zelensky also showed up and gave a speech. “I welcome all who stand for common efforts,” he began.
“[Zelensky] spoke … to a largely empty conference room. The people that flocked to hear him in the past no longer care with what he says, because he’s irrelevant,” said Ritter.
Then Zelensky went to Capitol Hill. “When he went to Washington D.C., he got snubbed by Congress,” Ritter said.
Slate reported that House speaker, Kevin McCarthy, not only declined Zelensky’s request to address a joint session of Congress but barred him from the chamber’s private meeting room, directing the few House Republicans who wanted to greet him to do so at the National Archives, nearly a mile away.
“And then, with his tail between his legs, he flew off to Canada. Here, he met with Prime Minister Trudeau in the Canadian Parliament and got some arousing ovations from the Parliament as he delivered his presentation. But near the end of his presentation, the camera panned to an individual in the audience who stood up to receive the applause of Zelensky,” Ritter said.
The person who stood up to receive the applause was Yaroslav Hunka, a member of the criminal Nazi SS Galizien formation.
“This gentleman was singled out, he stood up, and he received a standing ovation from Parliament. Parliament literally applauded a Nazi,” Ritter added.
On 26 September, Poland’s Education Minister Przemysław Czarnek said he had “taken steps” toward extraditing Hunka:
Politico reported that in a letter to Poland’s Institute of National Remembrance, a body that researches and investigates past crimes against the Polish nation, Czarnek asked it to “urgently examine” whether Hunka is wanted for crimes against Polish people of Jewish origin, adding that “signs of such crimes are grounds to apply to Canada for his extradition.”
How will the Ukraine/Russia War End?
“This is just going to be unconditional Russian victory,” Ritter told Global Research.
“That’s the only way this war ends unless NATO intervenes and then this war ends with a general nuclear exchange and it terminates all life on the planet as we know it.
“There will be no truce, there will be no ceasefire, there will be no frozen conflict. There will be no forever war. This war is going to end – I can’t give you an exact date and time – but it will end, and it will end with Ukraine’s unconditional surrender to Russia, or it will end with the absolute destruction of Ukraine.”
On 28 July 2022, during a news conference, Senator Lindsay Graham offered up Ukrainian lives in the fight against Russia: “As long as we help Ukraine with the weapons they need and economic support they will fight to the last person.”
Lindsey Graham ‘We Will Fight till the Last Ukrainian’ (1 min)
When Max Blumenthal, founder and editor-in-chief of The Grayzone, addressed the UN Security Council a year later he noted that Ukraine was well on its way to fulfilling Graham’s ghoulish fantasies about the US fighting “this war to the last Ukrainian.”
Ritter agrees that Graham was being serious about his threat. “When US Senator Lindsey Graham said that this conflict will be fought to the last Ukrainian, he was serious,” he said.
“This [war] will not end any other way. Either total Russian victory or general nuclear war … To avoid a general nuclear war, the West is going to have to accept the reality that Russia is going to win, and they’re going to win on Russian terms … This war ends when Russia decides this war ends.
“The reason why Ukraine lost this war is because the West pushed it into this conflict and then continued [supplying] Ukraine full of weapons and money to sustain this war. Russia is not going to end this war without achieving the objectives that it set out to achieve.”
BlackRock’s Interest in Ukraine
In June, BlackRock and JPMorgan Chase partnered with the Ukrainian government to establish a reconstruction bank. However, it seems BlackRock is more actively involved in the scheme than JPMorgan. In the third week of June, it was BlackRock and the Government of Ukraine that conducted meetings with public and private sector investors to provide further details on the Ukraine Development Fund’s (“UDF’s”) progress.
The UDF is designed as a national Development Finance Institution. It aims to attract significant private investment, potentially amounting to hundreds of billions of dollars. In March, the World Bank’s estimates for reconstruction and recovery in Ukraine grew to US $411 billion, 2.6 times greater than the country’s entire GDP for 2022. Ukraine hopes the cost estimate will continue to rise and rise again, US think tank Wilson Centre wrote.
One of the priorities of the UDF is to “support Ukraine’s role in decarbonisation and the green transition and as the gateway to European energy security. This will strengthen Ukraine’s role as a key partner to the global community in decarbonisation, establishing new sources of energy for Ukraine, Europe, and the world.”
The Ukrainian government is well aware, the United Nations stated in April, that achieving the UN’s Sustainable Development Goals (“SDGs”) by 2030 requires “ensuring optimal use of its public resources while mobilising and effectively using funding from governments, international organisations, and private businesses.”
With achieving decarbonisation and SDGs high on the list of priorities, we would be forgiven for thinking that the UN, various governments (including Ukraine’s), and BlackRock have forgotten Ukraine is in the middle of a war.
“War is a racket and Blackrock is a racketeer. They’re not there to help Ukraine, they’re there to make money,” Ritter said.
“The good news for Ukraine is that BlackRock will never have an opportunity to do any of this. Because Ukraine is going to lose the war, and Russia will make null and void any arrangement that Blackrock has signed.
“The Zelensky government will no longer exist when this war is done and the Ukrainian government that will replace it will not be inclined to honour any agreement made with Blackrock. So, it’s totally irrelevant.”
MEMORANDUM OF UNDERSTANDING, MOU REACHED BETWEEN THE FEDERAL GOVERNMENT OF NIGERIA AND THE NIGERIA LABOUR CONGRESS (NLC) AND TRADE UNION CONGRESS OF NIGERIA (TUC) AS A RESULT OF DISPUTE ARISING FROM WITHDRAWAL OF SUBSIDY ON THE PRICE OF PREMIUM MOTOR SPIRIT (PMS) ON MONDAY, THE 2ND DAY OF OCTOBER, 2023
Arising from the withdrawal of subsidy on Premium Motor Spirit (PMS) by the Federal Government and the resultant increase in the price of the commodity, the Nigeria Labour Congress (NLC) and the Trade Union Congress (TUC) issued a strike notice which had elapsed and they were poised to embark on a strike billed to commence on Tuesday, the 3rd of October, 2023.
Consequently, a meeting was called by the Federal Government to avert the strike and after much discussion, the following agreements were reached:
The Federal Government grants a wage award of N35,000 (thirty-five thousand Naira) only to all Federal Government workers beginning from the month of September pending when a new national minimum wage is expected to have been signed into law.
A minimum wage committee shall be inaugurated within one month from the date of this agreement.
Federal Government suspends collection of Value Added Tax (VAT) on Diesel for six months beginning from October, 2023.
Federal Government accepts to vote N100 billion for the provision of high capacity CNG buses for mass transit in Nigeria. Provisions are also being made for initial 55,000 CNG conversion kits to kick start an auto gas conversion programme, whilst work is ongoing on state-of-the-art CNG stations nationwide. The rollout aims to commence by November with pilots across 10 campuses nationwide.
The Federal Government plans to implement various tax incentive measures for private sector and the general public.
On the leadership crises rocking the NURTW and the purported proscription of RTEAN, the Federal Government commits to handling Labour matters in line with relevant ILO Conventions and Nigerian Labour Acts. A resolution of the ongoing impasse is expected by or before October 13.
The issue of outstanding Salaries and Wages of Tertiary Education workers in Federal-owned educational institutions is being referred to Ministry of Labour and Employment for further engagement.
The Federal Government commits to pay N25,000 per month for three months starting from October, 2023 to 15 million households, including vulnerable pensioners.
The Federal Government will increase its initiatives on subsidized distribution of fertilizers to farmers across the country.
The Federal Government should urge State Government through the National Economic Council and Governors Forum to implement wage award for their workers. Similar consideration should also be given to local government and private sector workers.
Read also:NLC, TUC suspend strike for 30 days
The Federal Government commits to the provision of funds as announced by the President on the 1st of August broadcast to the Nation for Micro and Small Scale Enterprises. The MSMEs beneficiaries should commit to the principle of decent jobs.
A joint visitation will be made to the refineries to ascertain their rehabilitation status.
All parties commit to henceforth abide by the dictates of Social dialogue in all our future engagements.
The NLC and TUC accept to suspend for 30 days the planned Indefinite Nationwide strike scheduled to begin, Tuesday, the 3rd of October, 2023.
This Memorandum shall be filed with the relevant Court of competent jurisdiction within one (1) week as consent judgment by the Federal Government.
Signed:
NLC:
Comrade Joe Ajaero President NLC
Comrade Emmanuel Ugboaja, mni General Secretary
TUC:
Comrade (Engr) Festus Osifo President
Comrade Nuhu A. Toro Secretary General
Federal Government: H.E. Simon Bako Lalong Honourable Minister of Labour and Employment
Hon. Dr Nkeiruka Onyejeocha Honourable Minister of State for Labour and Employment
Mallam Mohammed Idris Honourable Minister of Information and National Orientation
The Nigerian Government and Organised Labour (NLC, TUC) have reached an agreement to prevent the scheduled strike on October 3, 2023.
The Organised Labour announced in a communique issued on the Memorandum of Understanding reached between the Nigerian government, the Nigeria Labour Congress and the Trade Union Congress over disputes arising from the withdrawal of Subsidy on the price of Premium Motor Spirit.
The parties to the communique also commit to a joint visitation to the refineries to ascertain their rehabilitation status.
They further agreed that all parties will henceforth abide by the dictates of Social dialogue in all future engagements.
The organized Labour and the Government representatives also approved that the mutually signed Memorandum shall be filed with the relevant Court of competent jurisdiction within one (1) week as consent judgment by the Federal Government.
Following the withdrawal of subsidy on Premium Motor Spirit (PMS) by the Federal Government and the resultant increase in the price of the commodity, the Nigeria Labour Congress (NLC) and the Trade Union Congress (TUC) issued a strike notice which had elapsed.
The Unions further affirmed its position to embark on a strike billed to commence on Tuesday, the 3rd of October, 2023.
Consequently, a meeting was called by the Federal Government to avert the strike and after much discussion, the following agreements were reached:
The Federal Government grants a wage award of N35,000 (thirty-five thousand Naira) only to all Federal Government workers beginning in September pending when a new national minimum wage is expected to have been signed into law.
The NLC President, Joe Ajaero, Emmanuel Ugboaja, TUC President Comrade (Engr) Festus Osifo and Nuhu A. Toro Secretary General signed on behalf of the Organised Labour.
While on the Federal Government team the Minister of Labour and Employment, Simon Lalong, Minister of State for Labour and Employment, Nkeiruka Onyejeocha And the Minister of Information and National Orientation, Mohammed Idris signed the communique.
Head Coach Jose Santos Peseiro has recalled defenders Kenneth Omeruo and Bright Osayi-Samuel, as well as midfielder Alex Iwobi and forward Terem Moffi to the Super Eagles’ squad for this month’s international friendly matches against Saudi Arabia and Mozambique in Portugal.
Midfielder Fisayo Dele-Bashiru, of Hatayaspor FC of Turkey, gets his first-ever invitation, while yet-to-be-capped defender Jordan Torunnarigha is also called.
Wilfred Ndidi, who captained the team against Sao Tome and Principe, as well as Raphael Onyedika and forwards Moses Simon, Ademola Lookman, Victor Osimhen, Taiwo Awoniyi and Kelechi Iheanacho have also been invited.
The Super Eagles take on the Green Falcons of Saudi Arabia in the city of Portimão, Portugal on Friday, 13th October 2023, starting at 5pm before a clash with the Mambas of Mozambique in the same city three days later.
Both friendly encounters have been arranged as tune-up games for the Eagles ahead of the commencement of the 2026 FIFA World Cup qualifying matches, in which the three-time African champions host Lesotho’s Crocodiles in Uyo on 17th November before travelling away to play Zimbabwe four days later.
The players are all expected to arrive in Faro, Portugal, on Tuesday, 10th October.
ALL THE INVITED PLAYERS:
Goalkeepers: Francis Uzoho (Omonia FC, Cyprus); Olorunleke Ojo (Enyimba FC); Adebayo Adeleye (Hapoel Jerusalem, Israel)
B<>rder/ess, tech not-for-profit arm of Crypto Smart, announced its Edtech scholarship to offer scholarships to 500 undergraduates in Nigeria and provide 100 laptops and over 1,000 productivity tools to the students, as goals for its upcoming annual event.
According to Annabel Allison, chief admin officer at b<>rder/ess, “the initiative to offer scholarships was born out of the challenges faced during the just-concluded borderless year.”
B<>rder/ess offers training to newbies on different tech skills, which ranges from UI/UX design, web development, and data analytics to full stack development.
Though the training is free, students must pay a monthly registration fee of $7. And due to this, some students do not complete their cipher session, which lasts for 3 months.
In response to this challenge, b<>rder/ess decided to provide 500 scholarships to undergraduates and secondary school students while fresh graduates were not exempted.
B<>rder/ess Scholarship 2023: Everything You Need to Know
The application for the free tech scholarships was open for all eligible candidates from August 21st, 2023 to September 21st, 2023.
Applicants were asked to do a video introducing themselves and stating the course they were applying for.
That’s not all; applicants are required to state the reasons why they want to register for their preferred course and whether they will be available for physical training or virtual training, as stated in the announcement post.
At the end of the application, there were 108 applicants from 28 universities in Nigeria.
Among the universities that were represented, the University of Nigeria, Nsukka had the highest number of applicants (12) for institutions outside Port Harcourt where b<>rder/ess hub is situated.
On the top of the list is University of Port Harcourt with 17 applicants followed by Rivers State University of Science and Technology with 13 applicants.
While reacting to the result of the scholarship, Karla Obakpolor, lead partner at b<>rder/ess hinted that University of Nigeria, Nsukka might be the next recipient of the b<>rder/ess hub.
Another amazing fact for the scholarship is that all 6 geo-political zones were duly represented. There are applicants from North Central, North East, North West, South West, South South and South East.
It seems upcoming tech enthusiasts are ready to dive into the core aspect of tech as web design and development had the lowest applicants with 19 applicants while UI/UX design had the highest applicants with 26 applicants.
All the available courses and the number of applicants is as follows:
The application also had both male and female, although male applicants nearly doubled the number of female applicants.
What’s next for b<>rder/ess scholarship?
All successful applicants will start their cipher session by October 4th, 2023 which will end by December 22nd, 2023 while Borderless 2.0 will be on November 4th 2023 at Aztech Arcum event centre, Port Harcourt, Rivers State.
Borderless 2.0 is an annual tech event organized by the B<>rder/ess hub where tech enthusiasts, founders, developers and prospective tech bros and sis come together to learn and discuss the current technological developments across the globe with a view to build African youth who can build usable solutions for Africa. The theme for Borderless 2.0 is Becoming Solutions.
Where do I come in?
As a stakeholder in the tech space, you can be a part of the next African revolution in two ways.
B<>rder/ess Edtech scholarship
You can sponsor a student to learn a tech skill at B<>rder/ess for just $21.
Also, you can sponsor a student’s laptop or donate a laptop.
Crypto Smart is a B2B Crypto Asset Management company founded in January 2021 by Karla Obakpolor, a blockchain business developer and Algorand ambassador in 2020.
The company offers fast and secure services which are based on a well-encrypted system with 24/7 customer support services. It has grown from offering its services to individuals to companies and major enterprises as well as providing crypto education through various crypto courses.
Crypto Smart upscaled to the Algorand blockchain and offers blockchain products which include SmartChange; a cross-chain P2P marketplace, Bitsave Protocol; a SaveFi protocol that combines savings with DeFi.
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