EVOLUTION-NINJA

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Return-Path: <bounces+215474283191006@outbound.intercom.wayex.com> Delivered-To: dominic@e24.com.au Received: from myaccount8.wpcpanel.com by myaccount8.wpcpanel.com with LMTP id YI6KMWMjBGoHPgkAycIfzw (envelope-from <bounces+215474283191006@outbound.intercom.wayex.com>) for <dominic@e24.com.au>; Wed, 13 May 2026 17:08:19 +1000 Return-path: <bounces+215474283191006@outbound.intercom.wayex.com> Envelope-to: dominic@e24.com.au Delivery-date: Wed, 13 May 2026 17:08:19 +1000 Received: from mta-174-84-120.intercom.com.sparkpostmail.com ([192.174.84.120]:8220) by myaccount8.wpcpanel.com with esmtps (TLS1.2) tls TLS_ECDHE_RSA_WITH_AES_128_GCM_SHA256 (Exim 4.99.2) (envelope-from <bounces+215474283191006@outbound.intercom.wayex.com>) id 1wN3gY-00000002XZd-30QC for dominic@e24.com.au; Wed, 13 May 2026 17:08:19 +1000 X-MSFBL: qMehiPEyLe5MYL8Qdzvf9YuEK1rOcm7UEc9+0wGIgw4=|eyJzdWJhY2NvdW50X2l kIjoiMjE4NTcyIiwiciI6ImRvbWluaWNAZTI0LmNvbS5hdSIsImN1c3RvbWVyX2l kIjoiMSIsInRlbmFudF9pZCI6ImludGVyY29tIiwibWVzc2FnZV9pZCI6IjY5ZmM yZDIzMDQ2YWY2OTUwNDAxIn0= DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; d=wayex.com; s=intercom; t=1778656045; i=@wayex.com; bh=u3PAdtRj2C1vITZufNce6+ZvcluGYTdpT6e/hrSe/4c=; h=To:Content-Type:List-Unsubscribe-Post:Message-ID:Subject:From: List-Unsubscribe:Date:From:To:Cc:Subject; b=GSEFCutQfuYmXYjrsdfIm5kNjbg8ibKNrq27nRuFYFfkysaW2PA9DF4FuDBOeUTcx Ejc+KvWemTJPqbm5/saOBAIgTwOL61HMeweNW+3ItGxvG22JHTpg4bm8sNN4gLGPGh RD13W+9rWHb3bPoFNr0qyhgb+NugrNyQULd7UKnw= Received: from [10.90.45.128] ([10.90.45.128]) by i-09e28c8d3dc43a1ce.mta2vrest.sd.prd.sparkpost (ecelerity 5.2.0.75738 r(msys-ecelerity:tags/5.2.0.21)) with REST id 10/48-65270-D23240A6; Wed, 13 May 2026 07:07:25 +0000 To: dominic@e24.com.au Content-Type: multipart/alternative; boundary="_----oh4qjnuAjvKsygjFlZBtQw===_EF/38-65270-D23240A6" MIME-Version: 1.0 X-Mailgun-Variables: {"app_id":"mfj0shyv","conversation_id":"215474283191006","user_id":"60f268f99daa641b496bd4ee","intercom_localized_email_content_id":"86562492"} X-Auto-Response-Suppress: OOF, AutoReply Reply-To: Christo from Wayex <christo@wayex-1ebef8f94122.intercom-mail.com> X-Intercom-App-Id: mfj0shyv X-Intercom-Bin: 150 List-Unsubscribe-Post: List-Unsubscribe=One-Click Message-ID: <97d20a1b-3c4e7a00-1778656045-215474283191006-1586167@outbound.intercom.wayex.com> X-Report-Abuse: Please report spam or abuse to abuse@intercom.io Subject: Wayex Special Edition | What The Budget Means For Your Crypto From: "Christo from Wayex" <christo.m@wayex.com> List-Unsubscribe: <mailto:unsubscribe_215474283191006_60f268f99daa641b496bd4ee@wayex-1ebef8f94122.intercom-mail.com>, <https://wayex-1ebef8f94122.intercom-mail.com/subscriptions/unsubscribe_post?app_id=mfj0shyv&conversation_id=215474283191006&user_id=60f268f99daa641b496bd4ee> Date: Wed, 13 May 2026 07:07:25 +0000 X-Spam-Status: No, score=0.7 X-Spam-Score: 7 X-Spam-Bar: / X-Ham-Report: Spam detection software, running on the system "myaccount8.wpcpanel.com", has NOT identified this incoming email as spam. The original message has been attached to this so you can view it or label similar future email. If you have any questions, see root\@localhost for details. Content preview: [Image "Email%20Banner%20%281%29.png"] Hi Dominic, We do not send special editions often, but yesterday's Federal Budget was too important to wait for the weekly wrap. If you hold crypto in Australia, [...] Content analysis details: (0.7 points, 4.0 required) pts rule name description ---- ---------------------- -------------------------------------------------- 0.8 BAYES_50 BODY: Bayes spam probability is 40 to 60% [score: 0.5006] -0.0 SPF_PASS SPF: sender matches SPF record 0.1 URI_HEX URI: URI hostname has long hexadecimal sequence 0.0 HTML_MESSAGE BODY: HTML included in message -0.1 DKIM_VALID Message has at least one valid DKIM or DK signature -0.1 DKIM_VALID_EF Message has a valid DKIM or DK signature from envelope-from domain 0.1 DKIM_SIGNED Message has a DKIM or DK signature, not necessarily valid -0.1 DKIM_VALID_AU Message has a valid DKIM or DK signature from author's domain 0.0 LOTS_OF_MONEY Huge... sums of money 0.0 T_MONEY_PERCENT X% of a lot of money for you X-Spam-Flag: NO --_----oh4qjnuAjvKsygjFlZBtQw===_EF/38-65270-D23240A6 Content-Type: text/plain; charset=UTF-8 Content-Transfer-Encoding: quoted-printable [Image "Email%20Banner%20%281%29.png"] Hi Dominic, =0A We do not send speci= al editions often, but yesterday's Federal Budget was too important to wait= for the weekly wrap. If you hold crypto in Australia, this one is worth fi= ve minutes of your time. Here is everything you need to know. =0A The Austr= alian Budget 2026-27 What Australian Crypto Holders Need to Know =0A This i= s not a routine budget update. Treasurer Jim Chalmers has just delivered th= e most significant overhaul of Australian capital gains tax in 25 years, an= d it lands squarely on crypto. If you hold digital assets in Australia, the= window to act under the current rules is open, it has a clear expiry date,= and the difference between acting inside it and outside it could be tens o= f thousands of dollars on a meaningful position. This special edition break= s down what is changing, what it means for crypto specifically, and what qu= estions you should be asking right now. =0ARead More The Headline: CGT Is G= etting Overhauled From 1 July 2027 =0A The 50% capital gains tax discount t= hat has been a fixture of personal investing since 1999 is being replaced. = From 1 July 2027, instead of halving your taxable gain when you sell an ass= et held for more than 12 months, your cost base will be indexed to inflatio= n over your holding period, and only the real inflation-adjusted gain enter= s your taxable income. =0A On top of that, a new 30% minimum tax will apply= to real capital gains for individuals, trusts and partnerships. If your ma= rginal tax rate is already 30% or higher, the minimum tax does not change y= our position. You pay your normal marginal rate on the real gain. If your m= arginal rate is below 30%, the floor applies. Pensioners and income support= recipients are exempt. =0A These changes apply to all CGT assets: shares, = property, business equity, and yes, crypto. There is no special carve-out f= or digital assets, no separate regime, and no grandfathering of existing ho= ldings beyond a transitional rule we cover below. =0A Why Crypto Gets Hit H= arder Than Everything Else =0A This is the part that matters most for Wayex= users, and it is worth reading carefully. =0A The new indexation system wa= s designed for asset classes where a meaningful portion of long-term gains = reflects inflation rather than real value creation. Treasury's own modellin= g shows that over a typical 10-year hold, inflation accounts for somewhere = between 35% and 55% of nominal returns on residential property and ASX shar= es. For those asset classes, indexation does a lot of the same work the 50%= discount was doing. =0A Crypto does not work that way. Most of the gain on= a successful crypto position is value appreciation, not inflation. A 5x re= turn on Bitcoin over three years is not happening because of CPI. Indexatio= n might shave a few per cent off your taxable gain, where the 50% discount = halves your taxable amount. =0A Here is what that looks like in practice. S= ay you bought $50,000 of crypto and sold it two years later for $250,000. T= hat is a $200,000 nominal gain. You are a top-bracket investor at a 45% mar= ginal rate. =0A Under current rules, your taxable gain is $100,000 after th= e 50% discount applies, and you pay $45,000 in tax. Your effective rate on = the nominal gain is 22.5%. =0A Under the new rules from 1 July 2027, your i= ndexed cost base with roughly 5% cumulative inflation over the hold would b= e around $52,500. Your real gain is $197,500, and at 45%, you pay $88,875. = Your effective rate on the same nominal gain is now 44.4%. =0A That is roug= hly a doubling of the effective tax rate. Same asset, same investor, same h= olding period. The numbers shift depending on your situation, but the direc= tion is consistent across the crypto universe, whether you are holding BTC = or trading altcoins through your Wayex account. =0A [Image "before%20and%20= after%20%281%29.jpg"] What Happens to What You Are Holding Right Now =0A If= you are sitting on crypto today and do not sell before 1 July 2027, a tran= sitional rule applies a split treatment when you eventually sell. The porti= on of your gain that accrued up to 1 July 2027 gets the 50% discount under = current rules. The portion that accrued from 1 July 2027 onwards gets index= ation plus the 30% minimum tax. =0A To establish the dividing line, you can= either use the market value of your holding as at 1 July 2027 or use an ap= portionment formula that the ATO will publish tools for. For crypto, Method= 1 is the obvious choice. Exchange prices on the day are unambiguous and gr= anular, and platforms like Wayex give you the transaction history and portf= olio data you need to establish that valuation cleanly. =0A The practical i= mplication right now is straightforward: make sure you have a clear record = of your portfolio valuation on 30 June 2027. The data is there. You just ne= ed to capture it. =0A The split treatment creates a genuine strategic quest= ion for anyone sitting on large unrealised gains. Do you crystallise before= 1 July 2027 to lock in the 50% discount entirely, or do you hold and accep= t the split treatment=3F The answer depends on where you think the asset is= going, what your tax position looks like in 2026-27 versus future years, a= nd whether you are ready to redeploy capital after a realisation event. The= re is no single right answer. There is now a clear deadline to think about = it, though. =0A The Window: You Have Until 30 June 2027 =0A Any disposal th= at settles before 1 July 2027 falls entirely under current rules. If you ha= ve held for more than 12 months, the 50% discount applies. Standard margina= l rates apply to the discounted gain. =0A That is a 14-month window of clar= ity from now. It does not mean you should rush a decision. A crystallisatio= n purely to capture the discount only makes sense if you are genuinely comf= ortable resuming the position at current prices, or if you are happy to exi= t entirely. Selling and immediately re-buying triggers the gain and gives y= ou a stepped-up cost base, but it exposes you to whatever the market does i= n the meantime. The tax tail should not wag the investment dog. =0A Two oth= er things worth knowing. The legislated stage-3 follow-up brings the bottom= marginal rate down to 15% on 1 July 2026 and 14% on 1 July 2027. These do = not change CGT treatment, but they soften the marginal rate environment for= anyone using the discount window. If you hold crypto through a discretiona= ry trust, a three-year rollover relief period runs from 1 July 2027 to 30 J= une 2030, allowing you to restructure out of that trust into a company or f= ixed trust without triggering CGT on the asset transfers. =0A For Wayex use= rs thinking through the timing, your full transaction history and portfolio= performance data is available in your account. That is your starting point= for any conversation with your accountant about whether the window is rele= vant to your position. =0A [Image "2%20%281%29.jpg"] What Is Not Changing = =0A Worth knowing what stays exactly as it is. Super funds are explicitly p= reserved, including the one-third CGT discount on assets held more than 12 = months inside an SMSF. Crypto held in a company structure pays company tax = on the full nominal gain as before, since companies never had the 50% disco= unt anyway. Negative gearing on margin loans against crypto positions is un= affected. Small business CGT concessions under Division 152 continue unchan= ged. =0A The Constructive Part =0A It is not all hard news. The Budget also= confirms the Government's continued engagement with the digital asset sect= or. A tokenisation and payments reform package has been funded to support r= egulatory coordination and industry adoption. Treasury is actively analysin= g the market for a tokenised government bond, a genuine signal that tokenis= ed assets are being treated as mainstream financial infrastructure rather t= han a fringe experiment. A new strategic plan for payments is being develop= ed that will shape how digital asset payment rails interact with the broade= r system. =0A This is the part of the Budget that aligns with everything Wa= yex has been building toward. Real payments infrastructure, regulatory reco= gnition, and a government that is treating crypto as a legitimate part of t= he financial system. The personal tax changes are a separate policy lever a= imed at intergenerational equity. The industry reading both tracks together= should feel cautiously optimistic about where Australia is heading structu= rally, while being clear-eyed about the personal tax implications in the ne= ar term. =0ARead More Founder=E2=80=99s Corner =0A The Budget handed Austra= lian crypto holders and other Australians who invest something quite disapp= ointing this week. The honest takeaway is that holding crypto as a personal= investor in Australia just got more expensive from a tax perspective. That= is a fact worth planning around, not panicking about. The 14-month window = is enough time to get clear on your position, speak to your accountant, and= make a considered decision rather than a reactive one. =0A When I read wha= t is happening, I was not thinking about those who are already in a wealthi= er position. I started thinking about the person who put $5,000 into ETH ei= ghteen months ago, did their own research, and now they're sitting on a pos= ition that's done well. Not life-changing money. Just a good decision that = paid off. Under the current rules, they sell after twelve months and pay ta= x on half the gain. Simple. Under the new rules, they pay tax on almost all= of it, because crypto gains aren't driven by inflation; they're driven by = the asset actually appreciating. The indexation adjustment on a two or thre= e-year hold is tiny. A few percentage points off the cost base versus a 50%= discount today. =0A We'll keep building. And we'll keep making sure our us= ers have the tools and the data to make informed decisions, whether that's = inside this window or beyond it. =0A Richard Voice, Co-Founder, Wayex =0A E= njoyed the Weekly Wrap=3F =0A Send it to friends or family. If they join Wa= yex using your referral link, you=E2=80=99ll both earn $10 in Bitcoin when = they sign up and trade. =0AOpen Wayex Open Wayex Web Important: This newsle= tter is a general summary of announced Budget measures and does not constit= ute tax, financial or legal advice. Legislation has not yet been drafted, a= nd several technical details remain subject to Treasury consultation. Wayex= does not provide tax advice. Please speak with a registered tax agent or f= inancial adviser about your specific circumstances before making any decisi= ons. =0A Got any questions=3F Reply to this email or contact our live chat = within the Wayex app. =0A The Wayex Team =0A [Image "logo_1.png"] [Image "u= nnamed.png"] [Image "unnamed%20%281%29.png"] [Image "twitter@2x.png"] [Imag= e "instagram@2x.png"] [Image "linkedin@2x.png"] [Image "facebook@2x.png"] [= Image "telegram@2x.png"] [Image "youtube@2x.png"] [Image "discord@2x.png"] = =C2=A92026 CRYPTOSPEND PTY LTD trading as =E2=80=98Wayex=E2=80=99 (ACN 630 = 245 813). See wayex.com for more details. =0A Disclaimer: All information i= n this article is for informational purposes only. You should not construe = any such information or other material as legal, tax, investment, financial= , or other advice. Nothing contained herein shall constitute a solicitation= , recommendation, endorsement, or offer by CryptoSpend (Trading as Wayex) t= o invest, buy, or sell any coins, tokens, or other crypto assets. Any descr= iptions of CryptoSpend (Trading as Wayex) products or features are merely f= or illustrative purposes. Past performance is not a guarantee or predictor = of future performance. The value of crypto assets can increase or decrease,= and you could lose all or a substantial amount of your purchase price. You= need to do your research and due diligence to make the best possible judge= ment, as any purchases shall be your sole responsibility. For additional in= formation, please review our: Privacy Policy, Terms and Conditions, Product= Disclosure Statement and Target Market Determination.Privacy Policy Terms = &amp; Conditions Product Disclosure Statement FAQ Target Market Determinati= on Unsubscribe --_----oh4qjnuAjvKsygjFlZBtQw===_EF/38-65270-D23240A6 Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="UTF-8" <!DOCTYPE html>=0A<html lang=3D"en-US" style=3D"box-sizing: border-box;">= =0A<head>=0A<title>Wayex Special Edition Budget 2026-27</title>=0A<meta htt= p-equiv=3D"Content-Type" content=3D"text/html; charset=3Dutf-8">=0A<meta na= me=3D"viewport" content=3D"width=3Ddevice-width, initial-scale=3D1.0">=0A= =0A<style>=0A* { box-sizing: border-box; }=0Abody { margin: 0; padding: 0; = }=0Aa[x-apple-data-detectors] { color: inherit !important; text-decoration:= inherit !important; }=0A#MessageViewBody a { color: inherit; text-decorati= on: none; }=0Ap { line-height: inherit }=0A.desktop_hide, .desktop_hide tab= le { mso-hide: all; 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line-height: 15px; font-size: 1px; box-sizing: border-box;">= =E2=80=8A</div>=0A<table class=3D"image_block" width=3D"100%" border=3D"0" = cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"box-sizi= ng: border-box;">=0A<tbody style=3D"box-sizing: border-box;"><tr style=3D"b= ox-sizing: border-box;"><td style=3D"width: 100%; box-sizing: border-box;" = align=3D"center">=0A<div style=3D"max-width: 625px; box-sizing: border-box;= "><img src=3D"https://a19a8f2e92.imgdist.com/pub/bfra/4s9l2nbt/jzp/r9r/yfl/= Email%20Banner%20%281%29.png" style=3D"display: block; height: auto; width:= 100%; box-sizing: border-box; border-width: 0;" width=3D"625" alt=3D"" hei= ght=3D"auto"></div>=0A</td></tr></tbody>=0A</table>=0A</td></tr></tbody>=0A= </table>=0A</td></tr></tbody>=0A</table>=0A=0A<!-- INTRO -->=0A<table class= =3D"row row-2" align=3D"center" width=3D"100%" border=3D"0" cellpadding=3D"= 0" cellspacing=3D"0" role=3D"presentation" style=3D"box-sizing: border-box;= ">=0A<tbody style=3D"box-sizing: border-box;"><tr style=3D"box-sizing: bord= er-box;"><td style=3D"box-sizing: border-box;">=0A<table class=3D"row-conte= nt stack" align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0"= role=3D"presentation" style=3D"background-color: #ffffff; border-radius: 0= ; color: #000000; width: 625px; box-sizing: border-box; margin: 0 auto;" wi= dth=3D"625" bgcolor=3D"#ffffff">=0A<tbody style=3D"box-sizing: border-box;"= ><tr style=3D"box-sizing: border-box;"><td class=3D"column column-1" width= =3D"100%" style=3D"font-weight: 400; text-align: left; vertical-align: top;= box-sizing: border-box;" align=3D"left" valign=3D"top">=0A<table width=3D"= 100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation= " style=3D"box-sizing: border-box;">=0A<tbody style=3D"box-sizing: border-b= ox;"><tr style=3D"box-sizing: border-box;"><td style=3D"padding-bottom: 5px= ; padding-top: 5px; box-sizing: border-box;">=0A<div style=3D"height: 30px;= line-height: 30px; font-size: 1px; box-sizing: border-box;">=E2=80=8A</div= >=0A=0A<table width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"= 0" role=3D"presentation" style=3D"box-sizing: border-box;">=0A<tbody style= =3D"box-sizing: border-box;"><tr style=3D"box-sizing: border-box;"><td styl= e=3D"box-sizing: border-box; padding: 10px 20px;">=0A<div style=3D"color: #= 0d1b3f; font-family: Montserrat, Trebuchet MS, Lucida Grande, Lucida Sans U= nicode, Lucida Sans, Tahoma, sans-serif; font-size: 14px; font-weight: 400;= line-height: 1.2; text-align: left; box-sizing: border-box;" align=3D"left= ">=0A<p style=3D"box-sizing: border-box; line-height: inherit; margin: 0 0 = 30px;">Hi Dominic,</p>=0A<p style=3D"box-sizing: border-box; line-height: i= nherit; margin: 0;">We do not send special editions often, but yesterday's = Federal Budget was too important to wait for the weekly wrap. If you hold c= rypto in Australia, this one is worth five minutes of your time. Here is ev= erything you need to know.</p>=0A</div>=0A</td></tr></tbody>=0A</table>=0A= =0A<div style=3D"height: 30px; line-height: 30px; font-size: 1px; box-sizin= g: border-box;">=E2=80=8A</div>=0A=0A<table width=3D"100%" border=3D"0" cel= lpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"box-sizing:= border-box;">=0A<tbody style=3D"box-sizing: border-box;"><tr style=3D"box-= sizing: border-box;"><td style=3D"width: 100%; box-sizing: border-box; padd= ing: 10px 20px;" align=3D"center">=0A<h1 style=3D"color: #0d1b3f; font-fami= ly: Montserrat, Trebuchet MS, Lucida Grande, Lucida Sans Unicode, Lucida Sa= ns, Tahoma, sans-serif; font-size: 20px; font-weight: 700; line-height: 1.2= ; text-align: center; box-sizing: border-box; margin: 0;" align=3D"center">= The Australian Budget 2026-27<br style=3D"box-sizing: border-box;">What Aus= tralian Crypto Holders Need to Know</h1>=0A</td></tr></tbody>=0A</table>=0A= =0A<div style=3D"height: 30px; line-height: 30px; font-size: 1px; box-sizin= g: border-box;">=E2=80=8A</div>=0A=0A<table width=3D"100%" border=3D"0" cel= lpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"box-sizing:= border-box;">=0A<tbody style=3D"box-sizing: border-box;"><tr style=3D"box-= sizing: border-box;"><td style=3D"box-sizing: border-box; padding: 10px 20p= x;">=0A<div style=3D"color: #0d1b3f; font-family: Montserrat, Trebuchet MS,= Lucida Grande, Lucida Sans Unicode, Lucida Sans, Tahoma, sans-serif; font-= size: 14px; font-weight: 400; line-height: 1.2; text-align: left; box-sizin= g: border-box;" align=3D"left">=0A<p style=3D"box-sizing: border-box; line-= height: inherit; margin: 0;">This is not a routine budget update. Treasurer= Jim Chalmers has just delivered the most significant overhaul of Australia= n capital gains tax in 25 years, and it lands squarely on crypto. If you ho= ld digital assets in Australia, the window to act under the current rules i= s open, it has a clear expiry date, and the difference between acting insid= e it and outside it could be tens of thousands of dollars on a meaningful p= osition. This special edition breaks down what is changing, what it means f= or crypto specifically, and what questions you should be asking right now.<= /p>=0A</div>=0A</td></tr></tbody>=0A</table>=0A=0A<table width=3D"100%" bor= der=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D"presentation" style= =3D"box-sizing: border-box;">=0A<tbody style=3D"box-sizing: border-box;">= =0A<tr style=3D"box-sizing: border-box;"><td align=3D"center" style=3D"box-= sizing: border-box;"><a href=3D"https://wayex-1ebef8f94122.intercom-mail.co= m/via/e=3Fob=3D0xgQN9ufTOYB6sNicaEHFkFY2SWXIlLq0P7bwALjyacrsDewOHAv6qLqnPyt= %2FmuF0IgkSWMmlK9UXT%2BWuxApgJWVFsEItZAXFTUIDmpjS3hKaDLEKtJrEoVoUh%2FckeJa&= h=3D160d2428967c799dee644a50b4402fbfb13e7a3f-mfj0shyv_215474283191006&l=3D7= b5659ebcf962e75b3210f230500e5eb42e1c690-215874633" target=3D"_blank" style= =3D"color: #ffffff; text-decoration: none; box-sizing: border-box;"><span s= tyle=3D"background-color: #0173dd; border-radius: 4px; color: #ffffff; disp= lay: inline-block; font-family: Montserrat, sans-serif; font-size: 16px; fo= nt-weight: 400; text-align: center; line-height: 32px; box-sizing: border-b= ox; padding: 5px 20px;">Read More</span></a></td></tr>=0A</tbody>=0A</table= >=0A=0A<table width=3D"100%" border=3D"0" cellpadding=3D"10" cellspacing=3D= "0" role=3D"presentation" style=3D"box-sizing: border-box;">=0A<tbody style= =3D"box-sizing: border-box;">=0A<tr style=3D"box-sizing: border-box;"><td a= lign=3D"center" style=3D"box-sizing: border-box;"><table border=3D"0" cellp= adding=3D"0" cellspacing=3D"0" role=3D"presentation" width=3D"90%" style=3D= "box-sizing: border-box;"><tbody style=3D"box-sizing: border-box;"><tr styl= e=3D"box-sizing: border-box;"><td style=3D"font-size: 1px; line-height: 1px= ; border-top-width: 1px; border-top-color: #0372db; border-top-style: solid= ; box-sizing: border-box;"><span style=3D"box-sizing: border-box;">=E2=80= =8A</span></td></tr></tbody></table></td></tr>=0A</tbody>=0A</table>=0A<div= style=3D"height: 15px; line-height: 15px; font-size: 1px; box-sizing: bord= er-box;">=E2=80=8A</div>=0A</td></tr></tbody>=0A</table>=0A</td></tr></tbod= y>=0A</table>=0A</td></tr></tbody>=0A</table>=0A=0A<!-- SECTION 1: CGT HEAD= LINE -->=0A<table class=3D"row row-3" align=3D"center" width=3D"100%" borde= r=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"= box-sizing: border-box;">=0A<tbody style=3D"box-sizing: border-box;"><tr st= yle=3D"box-sizing: border-box;"><td style=3D"box-sizing: border-box;">=0A<t= able class=3D"row-content stack" align=3D"center" border=3D"0" cellpadding= =3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"background-color: #= ffffff; border-radius: 0; color: #000000; width: 625px; box-sizing: border-= box; margin: 0 auto;" width=3D"625" bgcolor=3D"#ffffff">=0A<tbody style=3D"= box-sizing: border-box;"><tr style=3D"box-sizing: border-box;"><td class=3D= "column column-1" width=3D"100%" style=3D"font-weight: 400; text-align: lef= t; vertical-align: top; box-sizing: border-box;" align=3D"left" valign=3D"t= op">=0A<table width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"= 0" role=3D"presentation" style=3D"box-sizing: border-box;">=0A<tbody style= =3D"box-sizing: border-box;"><tr style=3D"box-sizing: border-box;"><td styl= e=3D"padding-bottom: 5px; padding-top: 5px; box-sizing: border-box;">=0A<ta= ble width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D= "presentation" style=3D"box-sizing: border-box;">=0A<tbody style=3D"box-siz= ing: border-box;"><tr style=3D"box-sizing: border-box;"><td style=3D"width:= 100%; box-sizing: border-box; padding: 10px 20px;" align=3D"center">=0A<h1= style=3D"color: #0d1b3f; font-family: Montserrat, Trebuchet MS, Lucida Gra= nde, Lucida Sans Unicode, Lucida Sans, Tahoma, sans-serif; font-size: 19px;= font-weight: 700; line-height: 1.2; text-align: center; box-sizing: border= -box; margin: 0;" align=3D"center">The Headline: CGT Is Getting Overhauled = From 1 July 2027</h1>=0A</td></tr></tbody>=0A</table>=0A<table width=3D"100= %" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" s= tyle=3D"box-sizing: border-box;">=0A<tbody style=3D"box-sizing: border-box;= "><tr style=3D"box-sizing: border-box;"><td style=3D"box-sizing: border-box= ; padding: 10px 20px;">=0A<div style=3D"color: #0d1b3f; font-family: Montse= rrat, Trebuchet MS, Lucida Grande, Lucida Sans Unicode, Lucida Sans, Tahoma= , sans-serif; font-size: 14px; font-weight: 400; line-height: 1.2; text-ali= gn: left; box-sizing: border-box;" align=3D"left">=0A<p style=3D"box-sizing= : border-box; line-height: inherit; margin: 0 0 30px;">The 50% capital gain= s tax discount that has been a fixture of personal investing since 1999 is = being replaced. From 1 July 2027, instead of halving your taxable gain when= you sell an asset held for more than 12 months, your cost base will be ind= exed to inflation over your holding period, and only the real inflation-adj= usted gain enters your taxable income.</p>=0A<p style=3D"box-sizing: border= -box; line-height: inherit; margin: 0 0 30px;">On top of that, a new 30% mi= nimum tax will apply to real capital gains for individuals, trusts and part= nerships. If your marginal tax rate is already 30% or higher, the minimum t= ax does not change your position. You pay your normal marginal rate on the = real gain. If your marginal rate is below 30%, the floor applies. Pensioner= s and income support recipients are exempt.</p>=0A<p style=3D"box-sizing: b= order-box; line-height: inherit; margin: 0;">These changes apply to all CGT= assets: shares, property, business equity, and yes, crypto. There is no sp= ecial carve-out for digital assets, no separate regime, and no grandfatheri= ng of existing holdings beyond a transitional rule we cover below.</p>=0A</= div>=0A</td></tr></tbody>=0A</table>=0A<table width=3D"100%" border=3D"0" c= ellpadding=3D"10" cellspacing=3D"0" role=3D"presentation" style=3D"box-sizi= ng: border-box;">=0A<tbody style=3D"box-sizing: border-box;">=0A<tr style= =3D"box-sizing: border-box;"><td align=3D"center" style=3D"box-sizing: bord= er-box;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"pr= esentation" width=3D"90%" style=3D"box-sizing: border-box;"><tbody style=3D= "box-sizing: border-box;"><tr style=3D"box-sizing: border-box;"><td style= =3D"font-size: 1px; line-height: 1px; border-top-width: 1px; border-top-col= or: #0372db; border-top-style: solid; box-sizing: border-box;"><span style= =3D"box-sizing: border-box;">=E2=80=8A</span></td></tr></tbody></table></td= ></tr>=0A</tbody>=0A</table>=0A</td></tr></tbody>=0A</table>=0A</td></tr></= tbody>=0A</table>=0A</td></tr></tbody>=0A</table>=0A=0A<!-- SECTION 2: WHY = CRYPTO GETS HIT HARDER -->=0A<table class=3D"row row-4" align=3D"center" wi= dth=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"prese= ntation" style=3D"box-sizing: border-box;">=0A<tbody style=3D"box-sizing: b= order-box;"><tr style=3D"box-sizing: border-box;"><td style=3D"box-sizing: = border-box;">=0A<table class=3D"row-content stack" align=3D"center" border= =3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"b= ackground-color: #ffffff; border-radius: 0; color: #000000; width: 625px; b= ox-sizing: border-box; margin: 0 auto;" width=3D"625" bgcolor=3D"#ffffff">= =0A<tbody style=3D"box-sizing: border-box;"><tr style=3D"box-sizing: border= -box;"><td class=3D"column column-1" width=3D"100%" style=3D"font-weight: 4= 00; text-align: left; vertical-align: top; box-sizing: border-box;" align= =3D"left" valign=3D"top">=0A<table width=3D"100%" border=3D"0" cellpadding= =3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"box-sizing: border-= box;">=0A<tbody style=3D"box-sizing: border-box;"><tr style=3D"box-sizing: = border-box;"><td style=3D"padding-bottom: 5px; padding-top: 5px; box-sizing= : border-box;">=0A<table width=3D"100%" border=3D"0" cellpadding=3D"0" cell= spacing=3D"0" role=3D"presentation" style=3D"box-sizing: border-box;">=0A<t= body style=3D"box-sizing: border-box;"><tr style=3D"box-sizing: border-box;= "><td style=3D"width: 100%; box-sizing: border-box; padding: 10px 20px;" al= ign=3D"center">=0A<h1 style=3D"color: #0d1b3f; font-family: Montserrat, Tre= buchet MS, Lucida Grande, Lucida Sans Unicode, Lucida Sans, Tahoma, sans-se= rif; font-size: 19px; font-weight: 700; line-height: 1.2; text-align: cente= r; box-sizing: border-box; margin: 0;" align=3D"center">Why Crypto Gets Hit= Harder Than Everything Else</h1>=0A</td></tr></tbody>=0A</table>=0A<table = width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"pre= sentation" style=3D"box-sizing: border-box;">=0A<tbody style=3D"box-sizing:= border-box;"><tr style=3D"box-sizing: border-box;"><td style=3D"box-sizing= : border-box; padding: 10px 20px;">=0A<div style=3D"color: #0d1b3f; font-fa= mily: Montserrat, Trebuchet MS, Lucida Grande, Lucida Sans Unicode, Lucida = Sans, Tahoma, sans-serif; font-size: 14px; font-weight: 400; line-height: 1= =2E2; text-align: left; box-sizing: border-box;" align=3D"left">=0A<p style= =3D"box-sizing: border-box; line-height: inherit; margin: 0 0 30px;">This i= s the part that matters most for Wayex users, and it is worth reading caref= ully.</p>=0A<p style=3D"box-sizing: border-box; line-height: inherit; margi= n: 0 0 30px;">The new indexation system was designed for asset classes wher= e a meaningful portion of long-term gains reflects inflation rather than re= al value creation. Treasury's own modelling shows that over a typical 10-ye= ar hold, inflation accounts for somewhere between 35% and 55% of nominal re= turns on residential property and ASX shares. For those asset classes, inde= xation does a lot of the same work the 50% discount was doing.</p>=0A<p sty= le=3D"box-sizing: border-box; line-height: inherit; margin: 0 0 30px;">Cryp= to does not work that way. Most of the gain on a successful crypto position= is value appreciation, not inflation. A 5x return on Bitcoin over three ye= ars is not happening because of CPI. Indexation might shave a few per cent = off your taxable gain, where the 50% discount halves your taxable amount.</= p>=0A<p style=3D"box-sizing: border-box; line-height: inherit; margin: 0 0 = 30px;">Here is what that looks like in practice. Say you bought $50,000 of = crypto and sold it two years later for $250,000. That is a $200,000 nominal= gain. You are a top-bracket investor at a 45% marginal rate.</p>=0A<p styl= e=3D"box-sizing: border-box; line-height: inherit; margin: 0 0 30px;">Under= current rules, your taxable gain is $100,000 after the 50% discount applie= s, and you pay $45,000 in tax. Your effective rate on the nominal gain is 2= 2.5%.</p>=0A<p style=3D"box-sizing: border-box; line-height: inherit; margi= n: 0 0 30px;">Under the new rules from 1 July 2027, your indexed cost base = with roughly 5% cumulative inflation over the hold would be around $52,500.= Your real gain is $197,500, and at 45%, you pay $88,875. Your effective ra= te on the same nominal gain is now 44.4%.</p>=0A<p style=3D"box-sizing: bor= der-box; line-height: inherit; margin: 0;">That is roughly a doubling of th= e effective tax rate. Same asset, same investor, same holding period. The n= umbers shift depending on your situation, but the direction is consistent a= cross the crypto universe, whether you are holding BTC or trading altcoins = through your Wayex account.</p>=0A</div>=0A</td></tr></tbody>=0A</table>=0A= <div style=3D"height: 15px; line-height: 15px; font-size: 1px; box-sizing: = border-box;">=E2=80=8A</div>=0A<table width=3D"100%" border=3D"0" cellpaddi= ng=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"box-sizing: borde= r-box;">=0A<tbody style=3D"box-sizing: border-box;"><tr style=3D"box-sizing= : border-box;"><td style=3D"width: 100%; box-sizing: border-box;" align=3D"= center">=0A<div style=3D"max-width: 500px; box-sizing: border-box;"><img sr= c=3D"https://a19a8f2e92.imgdist.com/pub/bfra/4s9l2nbt/kgg/y59/2lo/before%20= and%20after%20%281%29.jpg" style=3D"display: block; height: auto; width: 10= 0%; box-sizing: border-box; border-width: 0;" width=3D"500" alt=3D"" height= =3D"auto"></div>=0A</td></tr></tbody>=0A</table>=0A<table width=3D"100%" bo= rder=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D"presentation" style= =3D"box-sizing: border-box;">=0A<tbody style=3D"box-sizing: border-box;">= =0A<tr style=3D"box-sizing: border-box;"><td align=3D"center" style=3D"box-= sizing: border-box;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0= " role=3D"presentation" width=3D"90%" style=3D"box-sizing: border-box;"><tb= ody style=3D"box-sizing: border-box;"><tr style=3D"box-sizing: border-box;"= ><td style=3D"font-size: 1px; line-height: 1px; border-top-width: 1px; bord= er-top-color: #0372db; border-top-style: solid; box-sizing: border-box;"><s= pan style=3D"box-sizing: border-box;">=E2=80=8A</span></td></tr></tbody></t= able></td></tr>=0A</tbody>=0A</table>=0A</td></tr></tbody>=0A</table>=0A</t= d></tr></tbody>=0A</table>=0A</td></tr></tbody>=0A</table>=0A=0A<!-- SECTIO= N 3: WHAT HAPPENS TO EXISTING HOLDINGS -->=0A<table class=3D"row row-5" ali= gn=3D"center" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"= 0" role=3D"presentation" style=3D"box-sizing: border-box;">=0A<tbody style= =3D"box-sizing: border-box;"><tr style=3D"box-sizing: border-box;"><td styl= e=3D"box-sizing: border-box;">=0A<table class=3D"row-content stack" align= =3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presen= tation" style=3D"background-color: #ffffff; border-radius: 0; color: #00000= 0; width: 625px; box-sizing: border-box; margin: 0 auto;" width=3D"625" bgc= olor=3D"#ffffff">=0A<tbody style=3D"box-sizing: border-box;"><tr style=3D"b= ox-sizing: border-box;"><td class=3D"column column-1" width=3D"100%" style= =3D"font-weight: 400; text-align: left; vertical-align: top; box-sizing: bo= rder-box;" align=3D"left" valign=3D"top">=0A<table width=3D"100%" border=3D= "0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"box-= sizing: border-box;">=0A<tbody style=3D"box-sizing: border-box;"><tr style= =3D"box-sizing: border-box;"><td style=3D"padding-bottom: 5px; padding-top:= 5px; box-sizing: border-box;">=0A<table width=3D"100%" border=3D"0" cellpa= dding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"box-sizing: bo= rder-box;">=0A<tbody style=3D"box-sizing: border-box;"><tr style=3D"box-siz= ing: border-box;"><td style=3D"width: 100%; box-sizing: border-box; padding= : 10px 20px;" align=3D"center">=0A<h1 style=3D"color: #0d1b3f; font-family:= Montserrat, Trebuchet MS, Lucida Grande, Lucida Sans Unicode, Lucida Sans,= Tahoma, sans-serif; font-size: 19px; font-weight: 700; line-height: 1.2; t= ext-align: center; box-sizing: border-box; margin: 0;" align=3D"center">Wha= t Happens to What You Are Holding Right Now</h1>=0A</td></tr></tbody>=0A</t= able>=0A<table width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D= "0" role=3D"presentation" style=3D"box-sizing: border-box;">=0A<tbody style= =3D"box-sizing: border-box;"><tr style=3D"box-sizing: border-box;"><td styl= e=3D"box-sizing: border-box; padding: 10px 20px;">=0A<div style=3D"color: #= 0d1b3f; font-family: Montserrat, Trebuchet MS, Lucida Grande, Lucida Sans U= nicode, Lucida Sans, Tahoma, sans-serif; font-size: 14px; font-weight: 400;= line-height: 1.2; text-align: left; box-sizing: border-box;" align=3D"left= ">=0A<p style=3D"box-sizing: border-box; line-height: inherit; margin: 0 0 = 30px;">If you are sitting on crypto today and do not sell before 1 July 202= 7, a transitional rule applies a split treatment when you eventually sell. = The portion of your gain that accrued up to 1 July 2027 gets the 50% discou= nt under current rules. The portion that accrued from 1 July 2027 onwards g= ets indexation plus the 30% minimum tax.</p>=0A<p style=3D"box-sizing: bord= er-box; line-height: inherit; margin: 0 0 30px;">To establish the dividing = line, you can either use the market value of your holding as at 1 July 2027= or use an apportionment formula that the ATO will publish tools for. For c= rypto, Method 1 is the obvious choice. Exchange prices on the day are unamb= iguous and granular, and platforms like Wayex give you the transaction hist= ory and portfolio data you need to establish that valuation cleanly.</p>=0A= <p style=3D"box-sizing: border-box; line-height: inherit; margin: 0 0 30px;= ">The practical implication right now is straightforward: make sure you hav= e a clear record of your portfolio valuation on 30 June 2027. The data is t= here. You just need to capture it.</p>=0A<p style=3D"box-sizing: border-box= ; line-height: inherit; margin: 0;">The split treatment creates a genuine s= trategic question for anyone sitting on large unrealised gains. Do you crys= tallise before 1 July 2027 to lock in the 50% discount entirely, or do you = hold and accept the split treatment=3F The answer depends on where you thin= k the asset is going, what your tax position looks like in 2026-27 versus f= uture years, and whether you are ready to redeploy capital after a realisat= ion event. There is no single right answer. There is now a clear deadline t= o think about it, though.</p>=0A</div>=0A</td></tr></tbody>=0A</table>=0A<t= able width=3D"100%" border=3D"0" cellpadding=3D"10" cellspacing=3D"0" role= =3D"presentation" style=3D"box-sizing: border-box;">=0A<tbody style=3D"box-= sizing: border-box;">=0A<tr style=3D"box-sizing: border-box;"><td align=3D"= center" style=3D"box-sizing: border-box;"><table border=3D"0" cellpadding= =3D"0" cellspacing=3D"0" role=3D"presentation" width=3D"90%" style=3D"box-s= izing: border-box;"><tbody style=3D"box-sizing: border-box;"><tr style=3D"b= ox-sizing: border-box;"><td style=3D"font-size: 1px; line-height: 1px; bord= er-top-width: 1px; border-top-color: #0372db; border-top-style: solid; box-= sizing: border-box;"><span style=3D"box-sizing: border-box;">=E2=80=8A</spa= n></td></tr></tbody></table></td></tr>=0A</tbody>=0A</table>=0A</td></tr></= tbody>=0A</table>=0A</td></tr></tbody>=0A</table>=0A</td></tr></tbody>=0A</= table>=0A=0A<!-- SECTION 4: THE WINDOW -->=0A<table class=3D"row row-6" ali= gn=3D"center" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"= 0" role=3D"presentation" style=3D"box-sizing: border-box;">=0A<tbody style= =3D"box-sizing: border-box;"><tr style=3D"box-sizing: border-box;"><td styl= e=3D"box-sizing: border-box;">=0A<table class=3D"row-content stack" align= =3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presen= tation" style=3D"background-color: #ffffff; border-radius: 0; color: #00000= 0; width: 625px; box-sizing: border-box; margin: 0 auto;" width=3D"625" bgc= olor=3D"#ffffff">=0A<tbody style=3D"box-sizing: border-box;"><tr style=3D"b= ox-sizing: border-box;"><td class=3D"column column-1" width=3D"100%" style= =3D"font-weight: 400; text-align: left; vertical-align: top; box-sizing: bo= rder-box;" align=3D"left" valign=3D"top">=0A<table width=3D"100%" border=3D= "0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"box-= sizing: border-box;">=0A<tbody style=3D"box-sizing: border-box;"><tr style= =3D"box-sizing: border-box;"><td style=3D"padding-bottom: 5px; padding-top:= 5px; box-sizing: border-box;">=0A<table width=3D"100%" border=3D"0" cellpa= dding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"box-sizing: bo= rder-box;">=0A<tbody style=3D"box-sizing: border-box;"><tr style=3D"box-siz= ing: border-box;"><td style=3D"width: 100%; box-sizing: border-box; padding= : 10px 20px;" align=3D"center">=0A<h1 style=3D"color: #0d1b3f; font-family:= Montserrat, Trebuchet MS, Lucida Grande, Lucida Sans Unicode, Lucida Sans,= Tahoma, sans-serif; font-size: 19px; font-weight: 700; line-height: 1.2; t= ext-align: center; box-sizing: border-box; margin: 0;" align=3D"center">The= Window: You Have Until 30 June 2027</h1>=0A</td></tr></tbody>=0A</table>= =0A<table width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" r= ole=3D"presentation" style=3D"box-sizing: border-box;">=0A<tbody style=3D"b= ox-sizing: border-box;"><tr style=3D"box-sizing: border-box;"><td style=3D"= box-sizing: border-box; padding: 10px 20px;">=0A<div style=3D"color: #0d1b3= f; font-family: Montserrat, Trebuchet MS, Lucida Grande, Lucida Sans Unicod= e, Lucida Sans, Tahoma, sans-serif; font-size: 14px; font-weight: 400; line= -height: 1.2; text-align: left; box-sizing: border-box;" align=3D"left">=0A= <p style=3D"box-sizing: border-box; line-height: inherit; margin: 0 0 30px;= ">Any disposal that settles before 1 July 2027 falls entirely under current= rules. If you have held for more than 12 months, the 50% discount applies.= Standard marginal rates apply to the discounted gain.</p>=0A<p style=3D"bo= x-sizing: border-box; line-height: inherit; margin: 0 0 30px;">That is a 14= -month window of clarity from now. It does not mean you should rush a decis= ion. A crystallisation purely to capture the discount only makes sense if y= ou are genuinely comfortable resuming the position at current prices, or if= you are happy to exit entirely. Selling and immediately re-buying triggers= the gain and gives you a stepped-up cost base, but it exposes you to whate= ver the market does in the meantime. The tax tail should not wag the invest= ment dog.</p>=0A<p style=3D"box-sizing: border-box; line-height: inherit; m= argin: 0 0 30px;">Two other things worth knowing. The legislated stage-3 fo= llow-up brings the bottom marginal rate down to 15% on 1 July 2026 and 14% = on 1 July 2027. These do not change CGT treatment, but they soften the marg= inal rate environment for anyone using the discount window. If you hold cry= pto through a discretionary trust, a three-year rollover relief period runs= from 1 July 2027 to 30 June 2030, allowing you to restructure out of that = trust into a company or fixed trust without triggering CGT on the asset tra= nsfers.</p>=0A<p style=3D"box-sizing: border-box; line-height: inherit; mar= gin: 0;">For Wayex users thinking through the timing, your full transaction= history and portfolio performance data is available in your account. That = is your starting point for any conversation with your accountant about whet= her the window is relevant to your position.</p>=0A</div>=0A</td></tr></tbo= dy>=0A</table>=0A<table width=3D"100%" border=3D"0" cellpadding=3D"0" cells= pacing=3D"0" role=3D"presentation" style=3D"box-sizing: border-box;">=0A<tb= ody style=3D"box-sizing: border-box;"><tr style=3D"box-sizing: border-box;"= ><td style=3D"width: 100%; box-sizing: border-box;" align=3D"center">=0A<di= v style=3D"max-width: 500px; box-sizing: border-box;"><img src=3D"https://a= 19a8f2e92.imgdist.com/pub/bfra/4s9l2nbt/mj4/q23/rqh/2%20%281%29.jpg" style= =3D"display: block; height: auto; width: 100%; box-sizing: border-box; bord= er-width: 0;" width=3D"500" alt=3D"" height=3D"auto"></div>=0A</td></tr></t= body>=0A</table>=0A<table width=3D"100%" border=3D"0" cellpadding=3D"10" ce= llspacing=3D"0" role=3D"presentation" style=3D"box-sizing: border-box;">=0A= <tbody style=3D"box-sizing: border-box;">=0A<tr style=3D"box-sizing: border= -box;"><td align=3D"center" style=3D"box-sizing: border-box;"><table border= =3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" width=3D"9= 0%" style=3D"box-sizing: border-box;"><tbody style=3D"box-sizing: border-bo= x;"><tr style=3D"box-sizing: border-box;"><td style=3D"font-size: 1px; line= -height: 1px; border-top-width: 1px; border-top-color: #0372db; border-top-= style: solid; box-sizing: border-box;"><span style=3D"box-sizing: border-bo= x;">=E2=80=8A</span></td></tr></tbody></table></td></tr>=0A</tbody>=0A</tab= le>=0A</td></tr></tbody>=0A</table>=0A</td></tr></tbody>=0A</table>=0A</td>= </tr></tbody>=0A</table>=0A=0A<!-- SECTION 5: WHAT IS NOT CHANGING -->=0A<t= able class=3D"row row-7" align=3D"center" width=3D"100%" border=3D"0" cellp= adding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"box-sizing: b= order-box;">=0A<tbody style=3D"box-sizing: border-box;"><tr style=3D"box-si= zing: border-box;"><td style=3D"box-sizing: border-box;">=0A<table class=3D= "row-content stack" align=3D"center" border=3D"0" cellpadding=3D"0" cellspa= cing=3D"0" role=3D"presentation" style=3D"background-color: #ffffff; border= -radius: 0; color: #000000; width: 625px; box-sizing: border-box; margin: 0= auto;" width=3D"625" bgcolor=3D"#ffffff">=0A<tbody style=3D"box-sizing: bo= rder-box;"><tr style=3D"box-sizing: border-box;"><td class=3D"column column= -1" width=3D"100%" style=3D"font-weight: 400; text-align: left; vertical-al= ign: top; box-sizing: border-box;" align=3D"left" valign=3D"top">=0A<table = width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"pre= sentation" style=3D"box-sizing: border-box;">=0A<tbody style=3D"box-sizing:= border-box;"><tr style=3D"box-sizing: border-box;"><td style=3D"padding-bo= ttom: 5px; padding-top: 5px; box-sizing: border-box;">=0A<table width=3D"10= 0%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" = style=3D"box-sizing: border-box;">=0A<tbody style=3D"box-sizing: border-box= ;"><tr style=3D"box-sizing: border-box;"><td style=3D"width: 100%; box-sizi= ng: border-box; padding: 10px 20px;" align=3D"center">=0A<h1 style=3D"color= : #0d1b3f; font-family: Montserrat, Trebuchet MS, Lucida Grande, Lucida San= s Unicode, Lucida Sans, Tahoma, sans-serif; font-size: 19px; font-weight: 7= 00; line-height: 1.2; text-align: center; box-sizing: border-box; margin: 0= ;" align=3D"center">What Is Not Changing</h1>=0A</td></tr></tbody>=0A</tabl= e>=0A<table width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0"= role=3D"presentation" style=3D"box-sizing: border-box;">=0A<tbody style=3D= "box-sizing: border-box;"><tr style=3D"box-sizing: border-box;"><td style= =3D"box-sizing: border-box; padding: 10px 20px;">=0A<div style=3D"color: #0= d1b3f; font-family: Montserrat, Trebuchet MS, Lucida Grande, Lucida Sans Un= icode, Lucida Sans, Tahoma, sans-serif; font-size: 14px; font-weight: 400; = line-height: 1.2; text-align: left; box-sizing: border-box;" align=3D"left"= >=0A<p style=3D"box-sizing: border-box; line-height: inherit; margin: 0;">W= orth knowing what stays exactly as it is. Super funds are explicitly preser= ved, including the one-third CGT discount on assets held more than 12 month= s inside an SMSF. Crypto held in a company structure pays company tax on th= e full nominal gain as before, since companies never had the 50% discount a= nyway. Negative gearing on margin loans against crypto positions is unaffec= ted. Small business CGT concessions under Division 152 continue unchanged.<= /p>=0A</div>=0A</td></tr></tbody>=0A</table>=0A<table width=3D"100%" border= =3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D"presentation" style=3D"= box-sizing: border-box;">=0A<tbody style=3D"box-sizing: border-box;">=0A<tr= style=3D"box-sizing: border-box;"><td align=3D"center" style=3D"box-sizing= : border-box;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role= =3D"presentation" width=3D"90%" style=3D"box-sizing: border-box;"><tbody st= yle=3D"box-sizing: border-box;"><tr style=3D"box-sizing: border-box;"><td s= tyle=3D"font-size: 1px; line-height: 1px; border-top-width: 1px; border-top= -color: #0372db; border-top-style: solid; box-sizing: border-box;"><span st= yle=3D"box-sizing: border-box;">=E2=80=8A</span></td></tr></tbody></table><= /td></tr>=0A</tbody>=0A</table>=0A</td></tr></tbody>=0A</table>=0A</td></tr= ></tbody>=0A</table>=0A</td></tr></tbody>=0A</table>=0A=0A<!-- SECTION 6: T= HE CONSTRUCTIVE PART -->=0A<table class=3D"row row-8" align=3D"center" widt= h=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"present= ation" style=3D"box-sizing: border-box;">=0A<tbody style=3D"box-sizing: bor= der-box;"><tr style=3D"box-sizing: border-box;"><td style=3D"box-sizing: bo= rder-box;">=0A<table class=3D"row-content stack" align=3D"center" border=3D= "0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"back= ground-color: #ffffff; border-radius: 0; color: #000000; width: 625px; box-= sizing: border-box; margin: 0 auto;" width=3D"625" bgcolor=3D"#ffffff">=0A<= tbody style=3D"box-sizing: border-box;"><tr style=3D"box-sizing: border-box= ;"><td class=3D"column column-1" width=3D"100%" style=3D"font-weight: 400; = text-align: left; vertical-align: top; box-sizing: border-box;" align=3D"le= ft" valign=3D"top">=0A<table width=3D"100%" border=3D"0" cellpadding=3D"0" = cellspacing=3D"0" role=3D"presentation" style=3D"box-sizing: border-box;">= =0A<tbody style=3D"box-sizing: border-box;"><tr style=3D"box-sizing: border= -box;"><td style=3D"padding-bottom: 5px; padding-top: 5px; box-sizing: bord= er-box;">=0A<table width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacin= g=3D"0" role=3D"presentation" style=3D"box-sizing: border-box;">=0A<tbody s= tyle=3D"box-sizing: border-box;"><tr style=3D"box-sizing: border-box;"><td = style=3D"width: 100%; box-sizing: border-box; padding: 10px 20px;" align=3D= "center">=0A<h1 style=3D"color: #0d1b3f; font-family: Montserrat, Trebuchet= MS, Lucida Grande, Lucida Sans Unicode, Lucida Sans, Tahoma, sans-serif; f= ont-size: 19px; font-weight: 700; line-height: 1.2; text-align: center; box= -sizing: border-box; margin: 0;" align=3D"center">The Constructive Part</h1= >=0A</td></tr></tbody>=0A</table>=0A<table width=3D"100%" border=3D"0" cell= padding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"box-sizing: = border-box;">=0A<tbody style=3D"box-sizing: border-box;"><tr style=3D"box-s= izing: border-box;"><td style=3D"box-sizing: border-box; padding: 10px 20px= ;">=0A<div style=3D"color: #0d1b3f; font-family: Montserrat, Trebuchet MS, = Lucida Grande, Lucida Sans Unicode, Lucida Sans, Tahoma, sans-serif; font-s= ize: 14px; font-weight: 400; line-height: 1.2; text-align: left; box-sizing= : border-box;" align=3D"left">=0A<p style=3D"box-sizing: border-box; line-h= eight: inherit; margin: 0 0 30px;">It is not all hard news. The Budget also= confirms the Government's continued engagement with the digital asset sect= or. A tokenisation and payments reform package has been funded to support r= egulatory coordination and industry adoption. Treasury is actively analysin= g the market for a tokenised government bond, a genuine signal that tokenis= ed assets are being treated as mainstream financial infrastructure rather t= han a fringe experiment. A new strategic plan for payments is being develop= ed that will shape how digital asset payment rails interact with the broade= r system.</p>=0A<p style=3D"box-sizing: border-box; line-height: inherit; m= argin: 0;">This is the part of the Budget that aligns with everything Wayex= has been building toward. Real payments infrastructure, regulatory recogni= tion, and a government that is treating crypto as a legitimate part of the = financial system. The personal tax changes are a separate policy lever aime= d at intergenerational equity. The industry reading both tracks together sh= ould feel cautiously optimistic about where Australia is heading structural= ly, while being clear-eyed about the personal tax implications in the near = term.</p>=0A</div>=0A</td></tr></tbody>=0A</table>=0A<table width=3D"100%" = border=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D"presentation" sty= le=3D"box-sizing: border-box;">=0A<tbody style=3D"box-sizing: border-box;">= =0A<tr style=3D"box-sizing: border-box;"><td align=3D"center" style=3D"box-= sizing: border-box;"><a href=3D"https://wayex-1ebef8f94122.intercom-mail.co= m/via/e=3Fob=3D0xgQN9ufTOYB6sNicaEHFkFY2SWXIlLq0P7bwALjyacrsDewOHAv6qLqnPyt= %2FmuF0IgkSWMmlK9UXT%2BWuxApgJWVFsEItZAXFTUIDmpjS3hKaDLEKtJrEoVoUh%2FckeJa&= h=3D160d2428967c799dee644a50b4402fbfb13e7a3f-mfj0shyv_215474283191006&l=3D7= b5659ebcf962e75b3210f230500e5eb42e1c690-215874633" target=3D"_blank" style= =3D"color: #ffffff; text-decoration: none; box-sizing: border-box;"><span s= tyle=3D"background-color: #0173dd; border-radius: 4px; color: #ffffff; disp= lay: inline-block; font-family: Montserrat, sans-serif; font-size: 16px; fo= nt-weight: 400; text-align: center; line-height: 32px; box-sizing: border-b= ox; padding: 5px 20px;">Read More</span></a></td></tr>=0A</tbody>=0A</table= >=0A</td></tr></tbody>=0A</table>=0A</td></tr></tbody>=0A</table>=0A</td></= tr></tbody>=0A</table>=0A=0A<!-- FOUNDER'S CORNER -->=0A<table class=3D"row= row-9" align=3D"center" width=3D"100%" border=3D"0" cellpadding=3D"0" cell= spacing=3D"0" role=3D"presentation" style=3D"box-sizing: border-box;">=0A<t= body style=3D"box-sizing: border-box;"><tr style=3D"box-sizing: border-box;= "><td style=3D"box-sizing: border-box;">=0A<table class=3D"row-content stac= k" align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role= =3D"presentation" style=3D"background-color: #ffffff; border-radius: 0; col= or: #000000; width: 625px; box-sizing: border-box; margin: 0 auto;" width= =3D"625" bgcolor=3D"#ffffff">=0A<tbody style=3D"box-sizing: border-box;"><t= r style=3D"box-sizing: border-box;"><td class=3D"column column-1" width=3D"= 100%" style=3D"font-weight: 400; text-align: left; vertical-align: top; box= -sizing: border-box;" align=3D"left" valign=3D"top">=0A<table width=3D"100%= " border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" st= yle=3D"box-sizing: border-box;">=0A<tbody style=3D"box-sizing: border-box;"= ><tr style=3D"box-sizing: border-box;"><td style=3D"padding-bottom: 5px; pa= dding-top: 5px; box-sizing: border-box;">=0A<table width=3D"100%" border=3D= "0" cellpadding=3D"10" cellspacing=3D"0" role=3D"presentation" style=3D"box= -sizing: border-box;">=0A<tbody style=3D"box-sizing: border-box;">=0A<tr st= yle=3D"box-sizing: border-box;"><td align=3D"center" style=3D"box-sizing: b= order-box;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D= "presentation" width=3D"90%" style=3D"box-sizing: border-box;"><tbody style= =3D"box-sizing: border-box;"><tr style=3D"box-sizing: border-box;"><td styl= e=3D"font-size: 1px; line-height: 1px; border-top-width: 1px; border-top-co= lor: #0372db; border-top-style: solid; box-sizing: border-box;"><span style= =3D"box-sizing: border-box;">=E2=80=8A</span></td></tr></tbody></table></td= ></tr>=0A</tbody>=0A</table>=0A<div style=3D"height: 15px; line-height: 15p= x; font-size: 1px; box-sizing: border-box;">=E2=80=8A</div>=0A<table width= =3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presenta= tion" style=3D"box-sizing: border-box;">=0A<tbody style=3D"box-sizing: bord= er-box;"><tr style=3D"box-sizing: border-box;"><td style=3D"width: 100%; bo= x-sizing: border-box; padding: 10px 20px;" align=3D"center">=0A<h1 style=3D= "color: #0d1b3f; font-family: Montserrat, Trebuchet MS, Lucida Grande, Luci= da Sans Unicode, Lucida Sans, Tahoma, sans-serif; font-size: 21px; font-wei= ght: 700; line-height: 1.2; text-align: left; box-sizing: border-box; margi= n: 0;" align=3D"left">Founder=E2=80=99s Corner</h1>=0A</td></tr></tbody>=0A= </table>=0A<table width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing= =3D"0" role=3D"presentation" style=3D"box-sizing: border-box;">=0A<tbody st= yle=3D"box-sizing: border-box;"><tr style=3D"box-sizing: border-box;"><td s= tyle=3D"box-sizing: border-box; padding: 10px 20px;">=0A<div style=3D"color= : #0d1b3f; font-family: Montserrat, Trebuchet MS, Lucida Grande, Lucida San= s Unicode, Lucida Sans, Tahoma, sans-serif; font-size: 14px; font-weight: 4= 00; line-height: 1.2; text-align: left; box-sizing: border-box;" align=3D"l= eft">=0A<p style=3D"box-sizing: border-box; line-height: inherit; margin: 0= 0 30px;">The Budget handed Australian crypto holders and other Australians= who invest something quite disappointing this week. The honest takeaway is= that holding crypto as a personal investor in Australia just got more expe= nsive from a tax perspective. That is a fact worth planning around, not pan= icking about. The 14-month window is enough time to get clear on your posit= ion, speak to your accountant, and make a considered decision rather than a= reactive one.</p>=0A<p style=3D"box-sizing: border-box; line-height: inher= it; margin: 0 0 30px;">When I read what is happening, I was not thinking ab= out those who are already in a wealthier position. I started thinking about= the person who put $5,000 into ETH eighteen months ago, did their own rese= arch, and now they're sitting on a position that's done well. Not life-chan= ging money. Just a good decision that paid off. Under the current rules, th= ey sell after twelve months and pay tax on half the gain. Simple. Under the= new rules, they pay tax on almost all of it, because crypto gains aren't d= riven by inflation; they're driven by the asset actually appreciating. The = indexation adjustment on a two or three-year hold is tiny. A few percentage= points off the cost base versus a 50% discount today.</p>=0A<p style=3D"bo= x-sizing: border-box; line-height: inherit; margin: 0 0 30px;">We'll keep b= uilding. And we'll keep making sure our users have the tools and the data t= o make informed decisions, whether that's inside this window or beyond it.<= /p>=0A<p style=3D"box-sizing: border-box; line-height: inherit; margin: 0;"= ><strong style=3D"box-sizing: border-box;">Richard Voice, Co-Founder, Wayex= </strong></p>=0A</div>=0A</td></tr></tbody>=0A</table>=0A</td></tr></tbody>= =0A</table>=0A</td></tr></tbody>=0A</table>=0A</td></tr></tbody>=0A</table>= =0A=0A<!-- ENJOYED + REFERRAL -->=0A<table class=3D"row row-10" align=3D"ce= nter" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role= =3D"presentation" style=3D"box-sizing: border-box;">=0A<tbody style=3D"box-= sizing: border-box;"><tr style=3D"box-sizing: border-box;"><td style=3D"box= -sizing: border-box;">=0A<table class=3D"row-content stack" align=3D"center= " border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" st= yle=3D"background-color: #ffffff; border-radius: 0; color: #000000; width: = 625px; box-sizing: border-box; margin: 0 auto;" width=3D"625" bgcolor=3D"#f= fffff">=0A<tbody style=3D"box-sizing: border-box;"><tr style=3D"box-sizing:= border-box;"><td class=3D"column column-1" width=3D"100%" style=3D"font-we= ight: 400; text-align: left; vertical-align: top; box-sizing: border-box;" = align=3D"left" valign=3D"top">=0A<table width=3D"100%" border=3D"0" cellpad= ding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"box-sizing: bor= der-box;">=0A<tbody style=3D"box-sizing: border-box;"><tr style=3D"box-sizi= ng: border-box;"><td style=3D"padding-bottom: 5px; padding-top: 5px; box-si= zing: border-box;">=0A<table width=3D"100%" border=3D"0" cellpadding=3D"10"= cellspacing=3D"0" role=3D"presentation" style=3D"box-sizing: border-box;">= =0A<tbody style=3D"box-sizing: border-box;">=0A<tr style=3D"box-sizing: bor= der-box;"><td align=3D"center" style=3D"box-sizing: border-box;"><table bor= der=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" width= =3D"90%" style=3D"box-sizing: border-box;"><tbody style=3D"box-sizing: bord= er-box;"><tr style=3D"box-sizing: border-box;"><td style=3D"font-size: 1px;= line-height: 1px; border-top-width: 1px; border-top-color: #0372db; border= -top-style: solid; box-sizing: border-box;"><span style=3D"box-sizing: bord= er-box;">=E2=80=8A</span></td></tr></tbody></table></td></tr>=0A</tbody>=0A= </table>=0A<div style=3D"height: 15px; line-height: 15px; font-size: 1px; b= ox-sizing: border-box;">=E2=80=8A</div>=0A<table width=3D"100%" border=3D"0= " cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"box-si= zing: border-box;">=0A<tbody style=3D"box-sizing: border-box;"><tr style=3D= "box-sizing: border-box;"><td style=3D"width: 100%; box-sizing: border-box;= padding: 10px 20px;" align=3D"center">=0A<h1 style=3D"color: #0d1b3f; font= -family: Montserrat, Trebuchet MS, Lucida Grande, Lucida Sans Unicode, Luci= da Sans, Tahoma, sans-serif; font-size: 21px; font-weight: 700; line-height= : 1.2; text-align: left; box-sizing: border-box; margin: 0;" align=3D"left"= >Enjoyed the Weekly Wrap=3F</h1>=0A</td></tr></tbody>=0A</table>=0A<table w= idth=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"pres= entation" style=3D"box-sizing: border-box;">=0A<tbody style=3D"box-sizing: = border-box;"><tr style=3D"box-sizing: border-box;"><td style=3D"box-sizing:= border-box; padding: 10px 20px;">=0A<div style=3D"color: #0d1b3f; font-fam= ily: Montserrat, Trebuchet MS, Lucida Grande, Lucida Sans Unicode, Lucida S= ans, Tahoma, sans-serif; font-size: 14px; font-weight: 400; line-height: 1.= 2; text-align: left; box-sizing: border-box;" align=3D"left">=0A<p style=3D= "box-sizing: border-box; line-height: inherit; margin: 0;">Send it to frien= ds or family. If they join Wayex using your referral link, you=E2=80=99ll b= oth earn <em style=3D"box-sizing: border-box;">$10 in Bitcoin</em> when the= y sign up and trade.</p>=0A</div>=0A</td></tr></tbody>=0A</table>=0A</td></= tr></tbody>=0A</table>=0A</td></tr></tbody>=0A</table>=0A</td></tr></tbody>= =0A</table>=0A=0A<!-- CTA BUTTONS -->=0A<table class=3D"row row-11" align= =3D"center" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0"= role=3D"presentation" style=3D"box-sizing: border-box;">=0A<tbody style=3D= "box-sizing: border-box;"><tr style=3D"box-sizing: border-box;"><td style= =3D"box-sizing: border-box;">=0A<table class=3D"row-content stack" align=3D= "center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentat= ion" style=3D"background-color: #ffffff; border-radius: 0; color: #000000; = width: 625px; box-sizing: border-box; margin: 0 auto;" width=3D"625" bgcolo= r=3D"#ffffff">=0A<tbody style=3D"box-sizing: border-box;"><tr style=3D"box-= sizing: border-box;">=0A<td class=3D"column column-1" width=3D"50%" style= =3D"font-weight: 400; text-align: left; vertical-align: top; box-sizing: bo= rder-box;" align=3D"left" valign=3D"top">=0A<table width=3D"100%" border=3D= "0" cellpadding=3D"10" cellspacing=3D"0" role=3D"presentation" style=3D"box= -sizing: border-box;">=0A<tbody style=3D"box-sizing: border-box;">=0A<tr st= yle=3D"box-sizing: border-box;"><td align=3D"center" style=3D"box-sizing: b= order-box;"><a href=3D"app.wayex.com" target=3D"_blank" style=3D"color: #ff= ffff; text-decoration: none; box-sizing: border-box;"><span style=3D"backgr= ound-color: #0173dd; border-radius: 4px; color: #ffffff; display: inline-bl= ock; font-family: Montserrat, sans-serif; font-size: 16px; font-weight: 400= ; text-align: center; line-height: 32px; box-sizing: border-box; padding: 5= px 20px;">Open Wayex</span></a></td></tr>=0A</tbody>=0A</table>=0A</td>=0A<= td class=3D"column column-2" width=3D"50%" style=3D"font-weight: 400; text-= align: left; vertical-align: top; box-sizing: border-box;" align=3D"left" v= align=3D"top">=0A<table width=3D"100%" border=3D"0" cellpadding=3D"10" cell= spacing=3D"0" role=3D"presentation" style=3D"box-sizing: border-box;">=0A<t= body style=3D"box-sizing: border-box;">=0A<tr style=3D"box-sizing: border-b= ox;"><td align=3D"center" style=3D"box-sizing: border-box;"><a href=3D"my.w= ayex.com" target=3D"_blank" style=3D"color: #ffffff; text-decoration: none;= box-sizing: border-box;"><span style=3D"background-color: #0173dd; border-= radius: 4px; color: #ffffff; display: inline-block; font-family: Montserrat= , sans-serif; font-size: 16px; font-weight: 400; text-align: center; line-h= eight: 32px; box-sizing: border-box; padding: 5px 20px;">Open Wayex Web</sp= an></a></td></tr>=0A</tbody>=0A</table>=0A</td>=0A</tr></tbody>=0A</table>= =0A</td></tr></tbody>=0A</table>=0A=0A<!-- DISCLAIMER + FOOTER -->=0A<table= class=3D"row row-12" align=3D"center" width=3D"100%" border=3D"0" cellpadd= ing=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"box-sizing: bord= er-box;">=0A<tbody style=3D"box-sizing: border-box;"><tr style=3D"box-sizin= g: border-box;"><td style=3D"box-sizing: border-box;">=0A<table class=3D"ro= w-content stack" align=3D"center" border=3D"0" cellpadding=3D"0" cellspacin= g=3D"0" role=3D"presentation" style=3D"background-color: #ffffff; color: #0= 00000; width: 625px; box-sizing: border-box; margin: 0 auto;" width=3D"625"= bgcolor=3D"#ffffff">=0A<tbody style=3D"box-sizing: border-box;"><tr style= =3D"box-sizing: border-box;"><td class=3D"column column-1" width=3D"100%" s= tyle=3D"font-weight: 400; text-align: left; vertical-align: top; box-sizing= : border-box;" align=3D"left" valign=3D"top">=0A<table width=3D"100%" borde= r=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"= box-sizing: border-box;">=0A<tbody style=3D"box-sizing: border-box;"><tr st= yle=3D"box-sizing: border-box;"><td style=3D"padding-bottom: 5px; padding-t= op: 5px; box-sizing: border-box;">=0A<table width=3D"100%" border=3D"0" cel= lpadding=3D"10" cellspacing=3D"0" role=3D"presentation" style=3D"box-sizing= : border-box;">=0A<tbody style=3D"box-sizing: border-box;">=0A<tr style=3D"= box-sizing: border-box;"><td align=3D"center" style=3D"box-sizing: border-b= ox;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presen= tation" width=3D"90%" style=3D"box-sizing: border-box;"><tbody style=3D"box= -sizing: border-box;"><tr style=3D"box-sizing: border-box;"><td style=3D"fo= nt-size: 1px; line-height: 1px; border-top-width: 1px; border-top-color: #0= 372db; border-top-style: solid; box-sizing: border-box;"><span style=3D"box= -sizing: border-box;">=E2=80=8A</span></td></tr></tbody></table></td></tr>= =0A</tbody>=0A</table>=0A<div style=3D"height: 15px; line-height: 15px; fon= t-size: 1px; box-sizing: border-box;">=E2=80=8A</div>=0A<table width=3D"100= %" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" s= tyle=3D"box-sizing: border-box;">=0A<tbody style=3D"box-sizing: border-box;= "><tr style=3D"box-sizing: border-box;"><td style=3D"box-sizing: border-box= ; padding: 10px 20px;">=0A<div style=3D"color: #000000; font-family: Montse= rrat, Trebuchet MS, Lucida Grande, Lucida Sans Unicode, Lucida Sans, Tahoma= , sans-serif; font-size: 14px; font-weight: 400; line-height: 1.2; text-ali= gn: left; box-sizing: border-box;" align=3D"left">=0A<p style=3D"box-sizing= : border-box; line-height: inherit; margin: 0 0 30px;"><em style=3D"box-siz= ing: border-box;">Important: This newsletter is a general summary of announ= ced Budget measures and does not constitute tax, financial or legal advice.= Legislation has not yet been drafted, and several technical details remain= subject to Treasury consultation. Wayex does not provide tax advice. Pleas= e speak with a registered tax agent or financial adviser about your specifi= c circumstances before making any decisions.</em></p>=0A<p style=3D"box-siz= ing: border-box; line-height: inherit; margin: 0 0 30px;"><strong style=3D"= box-sizing: border-box;">Got any questions=3F</strong> Reply to this email = or contact our live chat within the Wayex app.</p>=0A<p style=3D"box-sizing= : border-box; line-height: inherit; margin: 0;">The Wayex Team</p>=0A</div>= =0A</td></tr></tbody>=0A</table>=0A</td></tr></tbody>=0A</table>=0A</td></t= r></tbody>=0A</table>=0A</td></tr></tbody>=0A</table>=0A=0A<!-- LOGO ROW --= >=0A<table class=3D"row row-13" align=3D"center" width=3D"100%" border=3D"0= " cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"box-si= zing: border-box;">=0A<tbody style=3D"box-sizing: border-box;"><tr style=3D= "box-sizing: border-box;"><td style=3D"box-sizing: border-box;">=0A<table c= lass=3D"row-content stack" align=3D"center" border=3D"0" cellpadding=3D"0" = cellspacing=3D"0" role=3D"presentation" style=3D"background-color: #ffffff;= border-radius: 0; 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height: auto; box-sizing: bord= er-box; border-width: 0;"></a></td>=0A<td style=3D"box-sizing: border-box; = padding: 0 0 0 5px;"><a href=3D"https://wayex-1ebef8f94122.intercom-mail.co= m/via/e=3Fob=3DP%2F3NyyUOKPyJLZNtNpCdGQ07g%2Bf6Q0ohlYkCkns1mUE%3D&h=3D005a0= 5601e4ebb02edee2d8c2d90fc0d612b1a97-mfj0shyv_215474283191006&l=3D924ec5c08b= 8c62ad49ff281c0b0632693aeb0750-215874598" target=3D"_blank" style=3D"box-si= zing: border-box;"><img src=3D"https://app-rsrc.getbee.io/public/resources/= social-networks-icon-sets/circle-color/discord@2x.png" width=3D"32" height= =3D"auto" alt=3D"Discord" style=3D"display: block; height: auto; box-sizing= : border-box; border-width: 0;"></a></td>=0A</tr>=0A</tbody>=0A</table>=0A<= /td></tr></tbody>=0A</table>=0A<div style=3D"height: 40px; line-height: 40p= x; font-size: 1px; box-sizing: border-box;">=E2=80=8A</div>=0A<table width= =3D"100%" border=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D"present= ation" style=3D"box-sizing: border-box;">=0A<tbody style=3D"box-sizing: bor= der-box;"><tr style=3D"box-sizing: border-box;"><td style=3D"box-sizing: bo= rder-box;">=0A<div style=3D"color: #0d1b3f; font-family: Montserrat, Trebuc= het MS, Lucida Grande, Lucida Sans Unicode, Lucida Sans, Tahoma, sans-serif= ; font-size: 9px; font-weight: 400; line-height: 1.2; text-align: center; b= ox-sizing: border-box;" align=3D"center">=0A<p style=3D"box-sizing: border-= box; line-height: inherit; margin: 0;">=C2=A92026 CRYPTOSPEND PTY LTD tradi= ng as =E2=80=98Wayex=E2=80=99 (ACN 630 245 813). See <a href=3D"https://way= ex-1ebef8f94122.intercom-mail.com/via/e=3Fob=3DHKF3y%2BH7%2FFJkvTqpcGKoh5Fv= HvkGQwV7QS34gEsEJf4%3D&h=3D03f93241bc2350514a7a35460e5bbd04f976ad1a-mfj0shy= v_215474283191006&l=3Deca2df396dc06f6163e0b6a11b242634b2b5ae2e-215874589" t= arget=3D"_self" style=3D"text-decoration: underline; color: #0372db; box-si= zing: border-box;">wayex.com</a> for more details.</p>=0A</div>=0A</td></tr= ></tbody>=0A</table>=0A<div style=3D"height: 40px; line-height: 40px; font-= size: 1px; box-sizing: border-box;">=E2=80=8A</div>=0A<table width=3D"100%"= border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" sty= le=3D"box-sizing: border-box;">=0A<tbody style=3D"box-sizing: border-box;">= <tr style=3D"box-sizing: border-box;"><td style=3D"box-sizing: border-box; = padding: 10px 50px;">=0A<div style=3D"color: #0d1b3f; font-family: Montserr= at, Trebuchet MS, Lucida Grande, Lucida Sans Unicode, Lucida Sans, Tahoma, = sans-serif; font-size: 9px; font-weight: 400; line-height: 1.2; text-align:= left; box-sizing: border-box;" align=3D"left">=0A<p style=3D"box-sizing: b= order-box; line-height: inherit; margin: 0;"><strong style=3D"box-sizing: b= order-box;">Disclaimer</strong>: All information in this article is for inf= ormational purposes only. You should not construe any such information or o= ther material as legal, tax, investment, financial, or other advice. Nothin= g contained herein shall constitute a solicitation, recommendation, endorse= ment, or offer by CryptoSpend (Trading as Wayex) to invest, buy, or sell an= y coins, tokens, or other crypto assets. Any descriptions of CryptoSpend (T= rading as Wayex) products or features are merely for illustrative purposes.= Past performance is not a guarantee or predictor of future performance. Th= e value of crypto assets can increase or decrease, and you could lose all o= r a substantial amount of your purchase price. You need to do your research= and due diligence to make the best possible judgement, as any purchases sh= all be your sole responsibility. For additional information, please review = our: <a href=3D"https://wayex-1ebef8f94122.intercom-mail.com/via/e=3Fob=3Dk= SLx%2BMDEcUIlf%2Buvlke1t%2Bx7YFCdatmxIEZe8%2FVpQ1emYSzpK9sixwCqDIHY%2FvRW&h= =3Da0831645412cdb9c3a1727d7b2ec24fadaf7e030-mfj0shyv_215474283191006&l=3Dec= 7453d5664e14c84e8da54295e790125c91c5a3-215874599" style=3D"text-decoration:= underline; color: #0372db; box-sizing: border-box;">Privacy Policy</a>, <a= href=3D"https://wayex-1ebef8f94122.intercom-mail.com/via/e=3Fob=3DdPcWL%2B= r%2FWaGlQw5ArRuWFo3Sz6Bfpd6dLejh277F2DuvqSKiGkDpUxwoHV3ws%2BzM&h=3D1794b881= f6f1dffb3e18629790720a4a708cd407-mfj0shyv_215474283191006&l=3D6fb3e1758714d= 5e1ff61d5ceb0469902681447ff-215874600" style=3D"text-decoration: underline;= color: #0372db; box-sizing: border-box;">Terms and Conditions</a>, <a href= =3D"https://wayex-1ebef8f94122.intercom-mail.com/via/e=3Fob=3D92R%2FcVsWT%2= FikCsgYZbXIw0ziJhOCh0IoFQ9pzgPDC1R5Lauj8DEiho5XKKaxrrp1&h=3D76c171a24fc89ed= 5f1200ed06a7542d743656f99-mfj0shyv_215474283191006&l=3D1599d24dc13fd2240a4f= 63bcc24acb5325dec290-215874601" style=3D"text-decoration: underline; 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color: #0372db; font-family= : Montserrat, Trebuchet MS, Lucida Grande, Lucida Sans Unicode, Lucida Sans= , Tahoma, sans-serif; font-size: 9px; font-weight: 400; text-decoration: no= ne; box-sizing: border-box; padding: 5px;">Privacy Policy</a>=0A<a href=3D"= https://wayex-1ebef8f94122.intercom-mail.com/via/e=3Fob=3D%2BMCeCOtvKev%2FI= D6tczHWDrxRD0EBpYCc7LwioHyMF6cWRKLGRM5HyHDJDr%2FdeXR0&h=3D61bcffa2be6207375= 028ba6a29b487cd1ad45bf7-mfj0shyv_215474283191006&l=3Df805d9394843d946e34c1b= 826dbbbb0fb3f3113a-215874634" target=3D"_self" style=3D"display: inline-blo= ck; color: #0372db; font-family: Montserrat, Trebuchet MS, Lucida Grande, L= ucida Sans Unicode, Lucida Sans, Tahoma, sans-serif; font-size: 9px; font-w= eight: 400; text-decoration: none; box-sizing: border-box; padding: 5px;">T= erms &amp; Conditions</a>=0A<a href=3D"https://wayex-1ebef8f94122.intercom-= mail.com/via/e=3Fob=3DZ4wn0UqYSoS6%2FKtG%2BLnVqtsVn9wmYBgErjhgRwTFXFkowUcBE= bqCIxJRxnHVL4q1&h=3D75bd2e399d8cc92ea6e72c83ae31243601a9f512-mfj0shyv_21547= 4283191006&l=3D4a2ecd532ee66cc02cd0e44e76c3a8fd9bfc18dc-215874605" target= =3D"_self" style=3D"display: inline-block; color: #0372db; font-family: Mon= tserrat, Trebuchet MS, Lucida Grande, Lucida Sans Unicode, Lucida Sans, Tah= oma, sans-serif; font-size: 9px; font-weight: 400; text-decoration: none; b= ox-sizing: border-box; padding: 5px;">Product Disclosure Statement</a>=0A<a= href=3D"https://wayex-1ebef8f94122.intercom-mail.com/via/e=3Fob=3Dh7pKtvpL= rnWv83hKRWNXqNFtMQfOOBpbAT%2FUxKSWXw4%3D&h=3D2b7aa4a4d7bf506f7fbfdcf9acca35= f8be945d19-mfj0shyv_215474283191006&l=3D31b7203375d1929d79fa5243943874701e5= 92801-215874606" target=3D"_self" style=3D"display: inline-block; color: #0= 372db; font-family: Montserrat, Trebuchet MS, Lucida Grande, Lucida Sans Un= icode, Lucida Sans, Tahoma, sans-serif; font-size: 9px; font-weight: 400; t= ext-decoration: none; box-sizing: border-box; padding: 5px;">FAQ</a>=0A<a h= ref=3D"https://wayex-1ebef8f94122.intercom-mail.com/via/e=3Fob=3D6JKhtOo5OF= xH3wdwLzS5gEvcfbddP97z4g4BlCtsUh7frWdyaV6QYiBKcUpt0k9B&h=3D4248a439e45e6a53= cbcd883030b4274316a78e2a-mfj0shyv_215474283191006&l=3Df8f11622671b6a8614f54= 46af6218455d3d115bc-215874607" target=3D"_self" style=3D"display: inline-bl= ock; 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