Todi

A developer has unveiled VaultForgeWalletBot, a self-custodial multi-chain crypto wallet that operates as a bot within Telegram. The project is open source and aimed at the web3 community, letting users manage assets across several blockchains without giving up control of their private keys. Early reactions in crypto and coding circles are modest but curious, with discussion centering on the security trade-offs of running a wallet inside a messaging app.

Financial commentators are warning that a Roth conversion requested near year-end may not be processed by the custodian until the following January, meaning the converted amount counts toward the new tax year instead. For a retiree who returns to part-time work, that income can fall into the 22 percent bracket rather than a lower one. Advisers suggest placing conversion requests well before December 28 to avoid the timing problem.