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How Blockchain Will Make Payments Faster, Cheaper, Greener and Safer

Blockchain is set to shake-up the global payment world, and sooner than you might think.



Despite what many people think about cryptocurrencies in general, the technology behind them, the blockchain, is set to irreversibly shake up the global payments system for the better.

Amid the growing adoption of cryptocurrencies like Bitcoin, and a flurry of global financial innovation as central banks around the world push to develop their own digital currencies (CBDCs), the role of blockchain technology in our day-to-day lives is looking like, and already becoming, more prevalent.

The U.S. Federal Reserve, the world’s most influential central bank, has for the first time launched an in-depth discussion paper that will act as the basis of what will be a consequential debate about introducing a digital dollar.

But the U.S. is lagging behind economic rival China, which is already piloting a digital renminbi. The European Central Bank has also made significant progress in the move towards a digital euro, the Bank of England has invited comments on a recent discussion paper, Sweden has finalised a technical pilot, and ahead of the pack, last April, the Bahamas introduced the world’s first CBDC.

It appears that most governments around the world have already realised that digital is the inevitable future of money, and Bitcoin and other cryptocurrencies are reaching the point of critical mass, the moment at which a new way of doing things becomes the status quo.

The move towards digital transactions had been taking place for years but has been accelerated since the start of the pandemic. For this reason, and because the likes of Bitcoin are out of their control, they’re in a race to launch digital currencies of their own, fully aware that digital currencies in our digital era simply make sense.

But, besides the existing demand, what will really drive the rise and rise of digital payments will be harnessing the power of blockchain – or distributed ledger technology – which will fuel it moving forwards.

Recent research being carried out by the Bank of Estonia, amongst others, shows that ongoing developments of the already pioneering blockchain technology will empower a payment system that’s more powerful and faster than the card payment and instant payment systems currently used globally today.

In addition, it was found that payments made with this tech used less energy than credit card payments by a factor of 1,400.

Blockchain also provides major opportunities for cost-cutting and for enhanced security too – both for financial institutions and users.

Major financial institutions, such as banks, could slash perhaps tens of billions of dollars each year using distributed ledger technology by decommissioning legacy systems and reducing operating costs.

For consumers, high global remittance costs (on average 6.3%, according to the World Bank) that exist because of complexities involved in routing and central intermediaries will be all but eliminated.

On top of all this, arguably, the strongest advantage that blockchain offers institutions and consumers is against theft and fraud.

The ability to track funds on a tamper-proof ledger is a powerful preventative security measure.

Blockchain is still an emerging technology, and there are outstanding areas that need to be addressed. However, due to the lightning pace of blockchain innovation and adoption across every sector, blockchain is set to irreversibly shake up the global payments system. It will be a snowball effect.

Blockchain will support a payment system that’s faster, greener, cheaper and safer than the systems of today – and, as a result, it will be the main driver for the anticipated global surge in digital transactions.

Blockchain’s seismic influence will change how we pay and how we do business forever.

Blockchain implementations don’t just apply to governments and Fortune 500 companies, though – any business could benefit from exploring how blockchain could enhance their delivery of products or services. If you think your company has something to gain from finding out more, get in touch with the team at Dcyfer, where they can help you craft a solution that will add to your bottom line! is about bringing men’s lifestyle features and news for the every man’s man. Sport, movies, games, culture and anything else that can grow hair on its chest. You won’t find cringe-worthy stereotypical testosterone-fueled “tips” here. MenStuff is all about catering for the real man of the 21st century – enjoying the fun things in life while also having a laugh and some banter with the lads.

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Best No-Fail Gifts For Your Girlfriend You Can Give For No Reason

What’s a suitable surprise gift for that special lady in your life?



It’s one thing to give presents for the New Year, Valentine’s Day, or a Birthday. However, these are somewhat expected; so if you’re looking to deliver a little surprise to your significant-other, then a present out of the blue often makes for a special statement.

A spontaneous present doesn’t need to be anything particular, and can be expensive or cheap, classic or original, purchased or handmade. It’s all about the thought, but of course, there are some safe go-tos with regards to a no-reason-gift? Here are some suggestions:

#1. Flowers

Today, it has become fashionable to give flowers for no reason. They’re the perfect option to give someone a pleasant surprise, and a beautiful bouquet will cheer anyone up. Furthermore, you can find the right flowers for anyone: whether it be a girlfriend, daughter, mother, or anyone needing a little colour and love to brighten up their day.

Run to the nearest flower shop and ask the florist to collect a mono-bouquet of delicate roses, gerberas, alstroemerias, or daisies. Remember that the bouquet should not be very expensive, otherwise it could make the recipient feel like they’re indebted to return the favour.

#2. Mugs for two

Mugs may seem very simple and mundane, but matching mugs is pretty cute, if we don’t say so ourselves. Getting ‘couple-mugs’ is a great way to have something in common with your loved-on, and something you’ll likely use everyday, reminding them of your gift.

#3. Pendant in the form of a zodiac sign

A pendant made of silver or gold in the form of a zodiac sign is a suitable spontaneous gift for a young lady who believes in her star. It is important for a girl who checks every step with a horoscope to know that you respect her zodiac sign, and the gift shows that you pay attention to the star symbol of your partner.

#4. Set of candles

A cute and romantic gift is a set of small scented candles. You can also give one large candle, but go for something that has a decorative holder, pot, or handle. The gift will suit romantic and dreamy evenings and could come in handy for an at-home date night.

#5. Wireless headphones

Headphones are a great gift for any modern person, especially some noise-cancelling Bluetooth headphones. These can come in handy for your partner’s commuting, exercising, or simply wanting to avoid annoying pet/neighborhood drill/street noises. Also, there are headphones for just about any budget, so it’s a great flexible option.

#5. Yes Day

Announce your beloved in the morning that you will not refuse her anything today just like in the movie. To all requests, you will only say “yes”. Coffee and donuts in bed? Yes. Shopping in three malls? Yes. Cat grooming? Yes! Watching 5 episodes in a row of “Sex and the City”? Yes!!!

Tips on how to choose a no-reason gift

When choosing what gifts you can give on a whim to your girlfriend, it is important to know a few rules that will help you make the right choice:

  • Listen carefully for your beloved. Sometimes in the process of a casual conversation, girls can give out their most secret desires. At the same time, soberly assess the capabilities of your memory – if you cannot rely on it, don’t be too lazy to write down important thoughts on paper or in-phone notes.
  • Pay attention to how your girlfriend reacts to certain things in store windows. This doesn’t mean that you need to definitely buy the particular thing that delighted your companion, but this will clearly help to understand the direction of her thoughts and preferences.
  • Feel free to use the Internet for your own purposes. Check your girlfriend’s social media posts – what is she into?
  • If you still couldn’t figure out what to give a girl for no reason, give her a voucher for a store she loves – so she will be able to independently purchase what she wants.
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Bulldog Skincare Launches in South Africa 

UK skincare brand makes its leap to South Africa.



British male grooming brand, Bulldog Skincare has officially launched in South Africa. The beloved brand has hit the local market by introducing its range of products specifically formulated for male skin that use quality natural ingredients, all at an affordable price.

Bulldog started life in a spare room in West London when founder, Simon Duffy, noticed that there were no straightforward skincare options that were made for him and men like him.

With a mission to deliver straightforward skincare options with an ethical conscience, each and every product in the range is formulated by experts who unlock the power of natural ingredients – like aloe vera, camelina and green tea – with a little help from science.

From the brand’s very first day, it has completely boycotted the use of ingredients from animal sources with every product certified vegan and cruelty-free. Better yet, Bulldog rejects the use of synthetic fragrances and artificial colours when making its highly effective products. So, whether a man has regular, sensitive, or mature skin or has a beard, Bulldog has the answer.

Furthermore, Bulldog wanted to find a better way to package its products. That’s why it became the first male skincare brand in the world to use sugarcane as a raw material in its packaging. Sugarcane is a renewable plant-based source that needs little more than natural rainfall to grow.

Bulldog has exclusively partnered with Clicks, and has nine products available for purchase across 541 stores nationwide. They include:

  • Original Face Wash – R130
  • Original Moisturiser – R170
  • Age Defence Moisturiser – R220
  • Original Face Scrub – R150
  • Sensitive Moisturiser – R170
  • Sensitive Face Wash – R130
  • Age Defence Moisturiser
  • Original Beard Shampoo – R200
  • Original Beard Oil – R210
  • Original Beard Balm – R220
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South African Whisky ‘Toor’ Launched

Introducing the first whisky of a collective from Redford Beverages and Doña Distillery.



Whisky lovers rejoice, there’s a new style of whisky coming your way, and it has a distinctly South African flavour. With its warm, amber hue, Toor, a new entrant onto the South African whisky scene, has released the first of a collective of whiskies set to challenge the whisky category in South Africa.

The adventurous new spirit is the result of a clever collaboration between South Africa’s Redford Beverages and Doña Distillery. Produced with 100% local grain and matured in ex-bourbon American oak casks for 5 years before being finished in French oak casks, the first Toor whisky is an easy-drinking, smooth and fruity grain whisky.

Its double maturation process yields a rich, smooth whisky with vanilla and roasted oak flavours. a well-balanced nutty, caramel and stone-fruit palate with a well-refined finish and hints of maple and earth.

It can only be called a South African kind of magic.

Doña – which means woman of rank – is a craft distillery in Cape Town run by female distiller, Daniella Schoeman, who has also recently started distilling and ageing her own grain whisky. For this release, the team from the distillery and Redford Beverages managed the sourcing, blending and ageing to deliver the taste profile they were aiming for.

Danielle explains the distilling process for Toor, “The double maturation process is where the spirit is matured in one cask, then spends time in a case of a different origin. It allows for a greater degree of flavour and aroma complexity to develop in the whisky and the blending process is also significantly escalated. This form of marrying also allows for greater control over the final product.”

Graduating from Stellenbosch University with a business degree, Danielle worked in the corporate world for 6 years. She traded in her heels for tekkies and followed her heart to the Karoo where she experimented with making tequila. This journey led her to establish Doña Distillery with the aim to bring new and exciting spirits to the local and international market.

When asked what the perfect Toor serve is, Danielle and the team agree: “It’s simply the one you enjoy best: neat, on the rocks, in a cocktail, with a mixer, or with a splash of water. Either way, you cannot go wrong.”

Toor is exploring and experimenting with various barrel and non-traditional South African wood options including the likes of pinotage, rum and other barrels for further releases in the Toor Collective which will follow later this year and as more liquid matures over the coming years.

First impressions

After having the opportunity to try this exciting new South African whisky it’s clear that Toor will take the South African drinks market by storm. The first offering from the brand is easy-drinking, smooth, and delicious, making it ideal to drink in a cocktail, mixed with ginger ale, or neat, on the rocks. It’s a brilliant whisky for anyone wanting to dip their toe into the world of whisky and is ideal as a gateway whisky for newcomers while still being smooth and complex enough to delight seasoned whisky lovers alike.

Toor is available at a RRP of R299.99. For more information visit the website or follow Toor on Instagram.

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How to Save Money When Ordering Internationally

Be smart when using parcel forwarding services to shave down those shipping costs.



Ordering from international retailers has become more commonplace in recent years, with many stores finally shipping to South Africa and other great parcel forwarding services filling the gaps where that option isn’t available. But, with exchange rates and rising shipping costs, how exactly do you manage to save money when shopping with international retailers?

The trick is to look at consolidation. While not many retailers will offer it, parcel-forwarding companies such as Postbox Courier allow you to consolidate or combine multiple orders from multiple retailers into one larger package, often saving you time, money, and the hassle of paying for several shipping costs.

For example, if you picked up some items from Amazon US, Asos, and that rare goodie from that niche store in New York City, Postbox Courier will help combine all your orders into one package for a cheaper overall shipping cost to SA.

All you need to do is sign-up with Postbox Courier and use the assigned address of their US, UK, or other region depots, and once your multiple items arrive there, they’ll do the rest of the work for you and ensure your products arrive on your doorstep in South Africa.

And this is because parcel forwarding companies often have local and international courier partners, allowing for the best rates for express shipping, something individual shops won’t be able to offer you.

Thanks to Parcel Forwarding Services, shoppers now have options, but finding a company that you can trust is the challenge. There are a lot of options available online, but as most online shoppers know, not everybody is trustworthy. Thankfully, Postbox Courier is not only a local South African company, but we’ve put them to the test!

The even better news is that registering with Postbox Courier is FREE, quick and easy and once you’ve registered you’ll get your very own delivery address in the UK, Hong Kong, US and Australia.

Plus, if you’re not sure what the cost will be to import you can just drop them an email at with your wishlist and they will calculate how much you will have to pay in import charges and courier fees – this will help you decide on whether or not to purchase.

To find out more about Postbox Courier and just how easy the service is to use, read our full review here or visit the Postbox Courier website here.

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Bryan Habana Chats Sports Recovery & His New Investor Role with Fourfive CBD

Habana shares about his new role in wellness.



Bryan Habana, is a name well-known within the sporting industry for more than just his on-field talents. Now, this entrepreneurial magnet has added yet another business venture to his portfolio with wellness company, Fourfive CBD.

The new venture is the fruit of years of labour inspired by the long rugby careers of two professional rugby players and draws from their experience as professional athletes. Together, they experienced the ups and downs of leading a healthy and active lifestyle, and Fourfive is a way for them to share what they learnt about the world of professional sport — and to change it for the better.

Their rugby careers brought forth a need for a product to help professional athletes and active people during recovery with a natural alternative, using CBD, and so the brand fourfive CBD was formulated. A brand of which Habana now eagerly aligns himself with as an ambassador and investor.

“I would like to show all those who are looking to use CBD products as an alternative, that in my experience with the brand, it has made a significant difference,” says Bryan Habana.

The CBD range, which consists of oils, muscle rubs, and capsules, is specifically designed with active people in mind, not just sportsmen; and is sure to be a helpful recovery tool for weary muscles.

“The cannabis industry is an emerging and dynamic space globally, and the amount of new research and testimonials emerging shows how it has positively affected so many people – this makes me glad to be a part of it,” explains Habana. “This, along with the movement to keep people active and look after themselves to perform to the best of their abilities in whatever field they are in, is very important in the world we live in today.”

Since 2018, Fourfive has worked closely with the finest CBD suppliers, and has designed CBD for sport products made specially to support active people seeking what we once sought — a natural alternative. But it doesn’t stop there. From the very beginning, they knew that they wanted to create products for people like themselves, who love the active lifestyle they lead, and don’t want to sit on the sidelines waiting for life to come to them.

Habana On Joining Fourfive CBD

We caught up with Bryan, in an exclusive one-on-one interview, chatting all things business, professional career moves and life in the corporate spotlight.

What thought process goes into deciding which brand opportunities and business ventures you align yourself with – like this one?

BH: Firstly, aligning with brands and opportunities that I feel strongly align with my own values is extremely important. Associating with brands that have a global presence resonates with me too, as I have been very fortunate to have continued travelling globally since retiring. 

As a well-known figure locally and internationally, why is it important to you to use your voice and platform when promoting something you believe in?

BH: For me, this is about my lived experience. I would not want to attach my name to a brand that I do not believe in, and in this case, it is having trialled the range and noticed tangible differences.

With more professional sportsmen starting their own businesses and becoming entrepreneurs in our country, what advice would you give them when facing hardships and challenges?

BH: Firstly, surrounding yourself with a great team is key. Not only in business, but in your personal life as well. Having people around you who can keep you accountable and motivated, but also support you, definitely helps. Just being a professional athlete doesn’t necessarily mean that things are just going to fall into your lap and the same effort that you went through to reach the pinnacle of your career needs to be replicated. Starting your own business is sometimes a very lonely space, but similarly, achieving success in starting your own business and making it successful is just as rewarding.

Having dipped your toes in many business ventures, what makes “Fourfive Investor” the next best career move for you?

BH: There is huge potential and growth for the industry as a whole, this combined with my belief in the brand and the team made it an easy choice.

What’s the best piece of ‘business’ advice you have ever received?

“Take action”. Nothing in life will come easy. Prioritise, organise, plan and then execute the plan.

“If CBD is something you are interested in trying or currently use. I can vouch for the quality of the product through my own experience. It is sometimes hard to choose a product when there is so much information out there, and you feel stuck. The team are great and willing to answer any questions you may have, so get in touch with them, and they will get back to you with all the relevant information you may need.” – Bryan Habana.

The team at Fourfive, believe living one’s best life is a necessity, and they are always looking to better their brand, their products and the lives of those that are fortunate enough to get their hands on them.

With products such as the brand new 600mg CBD Rest Oil, 300mg CBD Oil and CBD Muscle Rub, Fourfive aims to cut through the noise, and speak openly and honestly about the medical benefits many CBD users are experiencing. And, with Bryan Habana at the forefront of their product growth and development, it’s just one more reason to love Fourfive CBD products!

Fourfive 600mg Rest CBD Oil

The team at Fourfive know the secret to a great recovery is quality sleep, which is why their new Rest Oil is a must-have for all wellness warriors. Gone are the days when you wake up to the sound of your alarm, feeling like your head has only just hit the pillow!

“If your main goal is sleep, then this is the product geared best to assist with quality rest,” says Investor and Ambassador, Bryan Habana.

But you might be wondering what terpenes are, or why they’ve picked Myrcene? These naturally occurring compounds are found in all sorts of plants, fruits and vegetables and have been linked to relaxation and sleep. Myrcene is found in high volumes in mango and is mostly responsible for the fruit’s delicious scent.

“Our new rest CBD oil was designed with the intention to have a calming effect, combined with the additional terpenes Linalool, Myrcene, and Longifolene assisting you with a restful deep sleep.”

By combining this with their high-quality, third-party tested CBD, this Rest CBD Oil will have you feeling refreshed from a full night’s sleep, in no time.

For more info, visit the Fourfive CBD website here.

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