CREATUS.AI

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Co-Founder

Niftify®

Co-Founder and Board Member

Niftify™ is an NFT e-commerce platform that enables brands, creators, and entrepreneurs to launch a compliant NFT store or marketplace from the comfort of their own domain.

Co-Founder and COO

elVivia - Research Agency 

- Designed, developed, and modified research experiments alongside teams of researchers.
- Performed research and gathered data to begin assignments.
- Performed thorough research and analysis on data and created reports on research activities.
- Worked with a team to research and develop new learning material for students.
- Provided optimal assistance to research and reports. 
- Conducted marketing research to accurately identify industry trends and business opportunities.
- Organized and analyzed data and marketing results.
- Coordinated mailings, marketing materials, and website content.
- Served as a thoughtful advisor, working with Sales and Marketing professionals.
- Worked alongside marketing specialists and graphic designers.

Founder

European Commission

- Aligning methodologies with research goals, using a range of tools to acquire information and interpret data, writing up reports and presenting findings as well as identifying trends and patterns.

Project Researcher Specialist

KuCoin Exchange

- Crypto market analysis.
- Analyzing product lines.
- Writing reports and professional articles. 
- Analyzing the overall potential of the crypto startups.
- Produced documentation for solutions.
- Invented and analyzed project specifications to meat goals.
- Lead and conducted in depth analysis of business performance versus business goals.

Researcher and Analyst

European Central Bank

- Responsible for collecting, organizing, and analyzing opinions and data to solve problems, explore issues, and predict trends. 
- Conducted reports and conclusions, as well as business dynamics and patterns regarding stablecoins and NFTs.

Market Researcher

Medijska hiša Delo

- Worked to prepare thoughtful and innovative articles for publication.
- Researched relevant and interesting topics prior to writing articles.
- Worked with web staff to develop more invigorating web content.
- Effectively managed the editing staff and provided helpful and constructive feedback to writers.
- Researched audience interests to develop better content.
- Managed all content development and made decisions regarding future publications.
- Conducted interviews and profiles for specific stories.
- Brought forth a passion and dedication for honest journalism.
- Brought forth a passion for writing and sharing with others.
- Conducted research and monitored blog traffic patterns to assess the kind of content readers desired.
- Utilized excellent communication and writing skills to develop topical and interesting stories and outreach initiatives.
- Collaborated with other departments and teams to identify useful content ideas and map out strategies.
- Worked closely with advertisers and vendors.
- Brought forth a self-motivated attitude, conducive to working at home.
- Utilized innovative thinking skills to produce fresh and interesting content.

Editor in Chief at Svet kapitala

OKEx

- Handling data operations and generating reports from data interpretation.

Business Process Analyst

Slovenian Business Club

- Interviewing the best entrepreneurs in Slovenia. 
- Writing professional articles for publication.

Researcher/Writer 

The Slovenia Times

- Effectively managed the editing staff and provided helpful and constructive feedback to writers.
- Conducted research and monitored blog traffic patterns to assess the kind of content readers desired.
- Utilized excellent communication and writing skills to develop topical and interesting stories and outreach initiatives.
- Researched audience interests to develop better content.
- Managed all content development and made decisions regarding future publications.
- Conducted interviews and profiles for specific stories.

Editor in Chief

Co-Founder @ CREATUS.AI | AI-Native Workspace

Experienced researcher / QA engineer with extensive background in technology and financial principles, management, project leadership, and the effective application of research in technological companies. Skilled in Generative AI, Generative Adversarial Networks and other Deep Learning Frameworks. Adept in working at multiple levels to effectively utilize research data and achieve optimal results.

I strive to gather, organize, and evaluate opinions, solve problems, discuss issues, and forecast patterns and trends.

Marko Vidrih

Tim Valores

Financial Advisor and Head of Sales

Financial Advisor and Investment Specialist

Scutum d.o.o.

Independent Financial Advisor

NLB d.d.

Personal Finance Advisor

Zlate naložbe, premoženjsko svetovanje, Peter Herman s.p.

Independent Financial Advisor,

Planet 9, d.o.o.

Regional Sales and Marketing Manager

Žurnal media d.o.o.

Regional Sales manager

Gorenje d.d.

- Student work
- Working conditions and relations analysis in individual plants at Gorenje, dd; 
- Working conditions report and labor relations

HR Analyst

👉🏻 Sem finančni svetovalec, avtor, predavatelj in oče 2 otrok.
💡 Pomagam vam finance razumeti na način, da jih boste dobro vnovčili pri investiranju in upravljanju osebnih financ.
❓ Kako: Brezplačen finančni posvet v živo ali Zoom: https://bit.ly/3RXd7lv 
🚀 E-mail: peter.herman@valores.si
🍿 Finančni pogled Peter Herman-newsletter: https://bit.ly/3vzJoYz 

🤝 Dodatno o meni:
- 16+ let prakse na področju financ (plemenite kovine, banka, vzajemni skladi, zavarovalništvo,...)
- 3 finančne licence
- družinski človek in športnik
- iskalec ravnovesja v življenju

Sodelujmo dolgoročno!
__________________________________________________________________________________________________
(ENG)
👉🏻 I am a financial advisor, author, lecturer, and father of 2 children.

💡 My mission is to demystify finances, empowering you to make informed decisions that maximize your investments and personal financial management.

🚀 Feel free to reach out: send a message on DM or at: peter.herman@valores.si

🍿 Subscribe to my financial insights newsletter:  https://www.linkedin.com/newsletters/finan%C4%8Dni-pogled-peter-herman-6894948519137161216/  

🤝 Additional about me:
- 16+ years of diverse finance experience (including precious metals, banking, mutual funds, - insurance,...)
- Holder of 3 financial licenses
- Dedicated family man and athlete
- Committed to achieving life balance

Let's work together long-term.

Peter Herman

🚨#Nvidia is now worth more than Europe’s 20 largest companies combined. 

Impressive—yes. 

Sustainable? 

That’s the real question.

Source: Markets& Mayhem

Strategic Financial Advisor & Head of Sales @Tim Valores 💰 | Gold & Silver and Investment Diversification Expert 🏆 | Strategies for business owners and companies 📈 | Newsletter for Insights! | Let's Connect!

The #SP500 dropped nearly 2.5% in just 80 minutes and turned negative for the day, while #crypto also collapsed. 

This shows a sudden drop in risk appetite, with funds rapidly exiting volatile asset.


Chart: The Kobeissi Letter

🇯🇵 Japan Just Broke the Global Financial System — Why It Matters to You

👉 Japan’s 20-year bond yield just hit 2.75% — the highest ever recorded.
The era of free money that supported global markets for 30 years is over.

🔥 What Just Happened

- Japan holds 263% debt-to-GDP. Higher rates explode debt costs.

- Japanese investors own $3.2T in foreign assets.

- At 2.75%, US Treasuries now lose money after hedging → capital flows back to Japan.

- The $1.2T yen carry trade is unwinding. Forced liquidations have begun.


⚠️ Why This Is Dangerous for Your Wealth

- Global markets lose liquidity as Japanese money exits.

- Stocks, bonds, ETFs, crypto — everything becomes more volatile.

- Borrowing costs rise, regardless of what the Fed or ECB wants.

- The key anchor holding global interest rates down for 30 years is gone.


🧭 What Investors Should Do

- Strengthen diversification and protect core assets.

- Increase liquidity and review exposure to global risk assets.

- Consider real assets and safe-haven hedges.

#Japan #yen 

Chart: Shanaka Anslem Perera

🤔 CME halts futures trading after ‘cooling issue’ at data center.

Read that again… the entire derivatives market froze because a server room got too hot.

This is the same market that moves trillions, sets global prices, hedges entire economies.

The #CME is the largest exchange operator in the world by market value — trades futures and options across various asset classes, including agricultural #commodities, #energy, #metals and #equities.

Open article: CME halts futures trading after 'cooling issue' at data center by cnbc.com

CME halts futures trading after 'cooling issue' at data center

#Google (TPU)> #Nvidia (GPU)? 🤔
 
While #Nvidia dominates the headlines, #Google has quietly built its own #AI “infrastructure” – and is monetising it through its cloud.
🔹 Google’s TPUs trained Gemini 3,
 🔹 they’re cheaper to run than Nvidia GPUs, and
 🔹 they’re built only for AI – no gaming baggage.

Because Google controls the chip + software + cloud, it enjoys lower costs, better margins, and faster innovation.

Many analysts now argue that TPUs are already matching or beating Nvidia’s top chips.

👉 If Google fully opens TPUs to the world, the AI infrastructure game could change fast.

Source: zerohedge, uncoveralpha

#AI #cloud #Google #Nvidia #TPU #GPU #investing

🚨 #Tether (the world’s largest stablecoin issuer), bought more #gold last quarter than any central bank: 26 tonnes.

That is not normal.
That is a signal.

🤔 The biggest buyer of real money is not a government — it’s a stablecoin issuer. A signal that the global monetary system is shifting faster than most people realize.

#Gold’s role is strengthening on two fronts:
1️⃣ Central banks are accumulating it as a foundation of currency stability, protection against geopolitical risk, and a path away from USD dependency.
2️⃣ Stablecoins are using gold as collateral to boost trust — because digital currencies without real backing cannot scale credibility.

Gold is becoming the reserve backbone of the financial system again. Not because of nostalgia, but because of necessity:
 ✅ stability
 ✅ liquidity
 ✅ independence from political decisions
 ✅ protection against inflation and systemic risk

💡 When both nation-states and crypto platforms are buying the same asset for value protection, it’s clear that the world is moving toward a system where real assets become the ultimate safeguard.

#gold #tether #stablecoin

Chart: Financial Times

💰 Ko me kdo vpraša “Kam zdaj vložiti #10, #50 ali #100 tisoč evrov?”, vedno poudarim isto stvar:

"To ni vprašanje, na katerega lahko iskreno odgovorimo v enem komentarju ali z generičnim splošnim nasvetom, ampak je predlog prilagojen vsaki stranki posebej.

💡 Finančni trgi so ciklični in trenutno v začetku obdobja, ko bo del kapitala prehajal iz bolj špekulativnih finančnih sredstev v realna, otipljiva sredstva. Takšne rotacije kapitala se v zgodovini redno ponavljajo – in vlagatelji, ki se znajo pravočasno prilagoditi, običajno ohranijo več premoženja ter manj tvegajo.

👉 A pri tem je bistveno:
✅ vaš odnos do #tveganja,
✅ #likvidnost, ki jo potrebujete,
✅ razumevanje #naložb,
✅ ustrezna razpršenost kapitala,
✅ vaši #cilji in #časovni horizont.

To so vprašanja, ki jih ne more rešiti noben “splošni nasvet strokovnjakov” ali objava na družbenem omrežju. Za odgovorno odločitev je potreben pogovor s strokovnjakom, ki razume vašo osebno situacijo in želje.

👉 Prihaja čas, ko bo treba svoje #portfelje pripraviti na "prilagojena" realna vrednotenja, večjo nihajnost in ciklično preusmerjanje kapitala.

Slika: Bloomberg Adria

📖 Kako finančne nasvete uporabiti pri upravljanju osebnih financ in naložbah? Posvet na https://bit.ly/3RXd7lv

🚨#Bitcoin morda vstopa v nevarno območje? Čez nekaj tednov bo jasno.🤔 

Da ne bo pomote... #Bitcoin jemljem kot zelo pomembno alternativno sredstvo, ki ima v portfelju svoje mesto zaradi treh ključnih razlogov:
1️⃣ omejena ponudba in strukturna redkost,
2️⃣ neodvisnost od tradicionalnega finančnega sistema,
3️⃣ dolgoročni, nadpovprečni potencial rasti.

A ob tem ostajam realen: maksimalizem in zanašanje na eno samo #naložbo lahko posameznika hitro pripeljeta v resne likvidnostne težave. Razpršitev med naložbe, ki jih poznamo in razumemo njihovo cikličnost, je temelj finančne stabilnosti in dolgoročne odpornosti.

💡 Kaj nam kaže spodnji graf?
✅ Graf prikazuje True Strength Indicator (TSI) na mesečnem časovnem okviru.
✅ V preteklosti je ta kazalnik zelo natančno ujel trenutke, ko je Bitcoin prešel iz obdobja močnega zagona v globlje korekcije.
✅ Vsakič, ko je TSI dosegel podobno območje kot danes, je sledil padec med 75 % in 85 %.

To seveda ne pomeni, da se bo zgodovina nujno ponovila — pomeni pa, da moramo razumeti naravo trga, ki je izjemno volatilen, cikličen in odvisen od makro likvidnosti.

🚨 Ključno sporočilo
✅Tudi najbolj obetavne #naložbe lahko doživijo dramatične padce.
✅Razpršitev ni defenzivnost, temveč profesionalno upravljanje tveganj.
✅Portfelj, ki temelji na eni sami zgodbi, nikoli ne predstavlja prave finančne varnosti.

#bitcoin #naložbe #razpršitev #upravljanjepremoženja

Graf: Kevin Wadsworth 

💡  Bodite korak pred drugimi s svežimi finančnimi informacijami.
📰 Novičnik: https://lnkd.in/dQ4bWuqZ

🔥 More Money, More Inflation – Less Trust in the System
This week’s #newsletter dives into the rise of “monetary populism” — where printing and political spending replace fiscal discipline, eroding trust in fiat #money.

You can also read about:
💸 Can You Fight Inflation With More #Money?
 Trump’s $2,000 “tariff dividend” fuels consumption, not stability.

🏦 Are Central Banks Losing Control?
 Markets now follow real assets, not printed promises.

📊 The Next Inflationary Cycle Begins.
 Capital flows toward commodities, energy, and metals.

📉 Dalio Warns of Phase 5 Debt Spiral.
 The U.S. must inflate or devalue to survive.

 🥇 #Gold’s Bull Run Is Just Starting.
 Real prices remain far below historic highs.

⚙️ #Silver Gains Strategic Importance.
 Now officially a critical U.S. resource.

🔋 #Copper Faces a Global Shortage.
 #AI and EV demand outpaces supply.

👉 Read the full analysis on Substack → [insert link]

#finance #investing #gold #silver #inflation #markets #economy #wealthprotection #peterherman

View newsletter: Financial View: News & Invest

Welcome to the newsletter where I help you understand the world of finance, investing, and precious metals. But that’s not all – I also focus on optim

Open article: More Money, More Inflation – and Less Trust in the System by Peter Herman • 5 min read

More Money, More Inflation – and Less Trust in the System

🚨 Welcome to this week’s #newsletter — your guide to understanding the world of finance, investing, and precious metals.
👉 Markets are showing cracks — is the shift from euphoria to reality beginning?

Below you can explore some key topics of the week.
📉 Investor sentiment weakens — Wall Street fearful, Europe still green
🇯🇵 The Japan problem — will global markets lose liquidity?
📊 Employment vs. stocks — a dangerous divergence
🏚 U.S. insolvency crisis — 655 large bankruptcies
₿ Bitcoin below $100,000 — risk-off returns
💰 Gold vs. Bitcoin — a turning point
🇨🇳 China buying far more gold than reported
📈 Gold outperformed the S&P 500 over the past 25 years
📉 S&P 500 / Gold — start of a new 10-year cycle?

👉 Understanding cycles and liquidity is essential for protecting and growing wealth.

#finance #markets #investing #gold #silver #economy #crypto #wealthprotection #peterherman

Open article: The Confidence Breakdown: Stocks at Risk, Crypto Pulling Back by Peter Herman • 4 min read

The Confidence Breakdown: Stocks at Risk, Crypto Pulling Back

🔥 Več denarja, več inflacije – manj zaupanja v sistem
Tokratni #novičnik se poglobi v pojav “denarnega populizma” – ko tiskanje denarja in politična potrošnja nadomeščata fiskalno disciplino ter spodkopavata zaupanje v fiat denar.

Preberite več tudi o naslednjih temah:
💸 Se da #inflacijo zdraviti z novim denarjem?
 Trumpova “tarifna dividenda” spodbuja porabo, ne stabilnost.

🏦 Ali centralne banke izgubljajo nadzor?
 Trgi sledijo realnim sredstvom, ne več monetarnim obljubam.

📊 Začenja se nov inflacijski cikel.
 Kapital se seli v #surovine, #energijo in #kovine.

📉 Dalio opozarja na 5. fazo dolga.
 ZDA bodo morale razvrednotiti svojo valuto.

🥇 #Zlato v zgodnji fazi trenda.
 Realna vrednost ostaja pod zgodovinskimi vrhovi.

⚙️ #Srebro postaja strateška surovina.
 ZDA so ga dodale na seznam ključnih virov.

🔋 #Baker – nova zvezda prihodnosti.
 AI in električna vozila poganjajo povpraševanje.

👉 Celotno analizo preberi na Substacku → https://lnkd.in/ddybGcZ9 

#finance #investicije #zlato #srebro #inflacija #ekonomija #trgi #premoženje #peterherman

Open article: Več denarja, več inflacije – manj zaupanja v sistem by peterherman.substack.com

Več denarja, več inflacije – manj zaupanja v sistem

🚨 Important update for today: #Nvidia will report its highly anticipated third-quarter earnings after the bell — the first announcement since the company briefly crossed a $5 trillion market cap last month.

Markets are on edge ahead of the release. Concerns about an overheating AI trade are growing, with valuations stretched and volatility rising. Nvidia’s stock fell nearly 3% yesterday and is down about 12% from its latest all-time high.

Nvidia remains the most critical bellwether for the entire AI sector. Any miss or beat will likely ripple across AI-related stocks. But even a strong “beat and raise” may not be good news for the broader AI trade. As Gene Munster of Deepwater Asset Management warns, such a scenario could intensify pressure and unexpectedly weaken the wider AI segment.

💡 We’ll soon find out whether the #AI rally continues — or if a cooling period is ahead.

#Nvidia #nvda #AI

Open article: Nvidia to report high-stakes Q3 earnings amid investor concerns of AI overbuilding by finance.yahoo.com

Nvidia to report high-stakes Q3 earnings amid investor concerns of AI overbuilding

Dobrodošli v novi izdaji #newsletter-ja "Finančni pogled in investiranje Peter Herman" — vodniku po svetu financ, naložb in plemenitih kovin.

Tokrat analiziram, kako srebro postaja hkrati denar, industrijsko gorivo in strateška rezerva. V članku pa si lahko preberete tudi ostale teme tedna:
🔻 Zakaj so finančni trgi v nekaj dneh izgubili več tisoč milijard?
🤖 #AI mehurček ali nova paradigma?
🥇 #Zlato vodi leto 2025, bitcoin pa v rdečem
🌍 Kdo drži strateške rezerve zlata prihodnosti?
⚙️ #Srebro prebija 46-letno odporno linijo
🇨🇳🇮🇳🇹🇷 Kitajska, Indija in Turčija: resnični “game plan” srebra?

👉Ali je #srebro tiha os novega monetarnega sistema?
❓ Ali #srebro poznate tudi kot investicijo?

#finance #srebro #zlato #AI #ZDA #zaposlovanje #obrestnemere #peterherman #newsletter

Open article: Globalni srebrni preobrat: Za Indijo denar, za Kitajsko industrijsko gorivo, za Turčijo ključna rezerva by peterherman.substack.com

Globalni srebrni preobrat: Za Indijo denar, za Kitajsko industrijsko gorivo, za Turčijo ključna rezerva

🚨 Dokaz za vnovični surovinski cikel... Ponudbe #bakra se počasi začenja... Banka Morgan Stanley napoveduje največji primanjkljaj bakra v zadnjih 22 letih – že prihodnje leto.

👇 Spodnji graf jasno kaže, da se po kratkem ravnotežju zalog svet hitro premika proti strukturnemu pomanjkanju, ki se bo po napovedih še poglabljalo do konca desetletja.

💡 #Baker je ključna surovina za energetski prehod, električna vozila, polprevodnike in AI infrastrukturo – in z vsakim novim valom digitalizacije postaja še bolj neizogiben. Ko povpraševanje raste hitreje od proizvodnje, se oblikuje nov supercikel surovin.

✅ In tokrat ne govorimo samo o #bakru – #srebro, #nikelj in redke kovine sledijo enaki poti.

Vir slike: Morgan Stanley, Bloomberg

#baker #surovine #energijskiprehod #AI #investicije #zlato #srebro #trgkovin

Dobrodošli v tokratnem #newsletter-ju — vašem vodniku po svetu financ, naložb in plemenitih kovin.
📉 "Trgi kažejo razpoke – ali se začenja premik iz evforije v realnost?"

V nadaljevanju lahko preberete še ostale ključne teme tedna.
🇸🇮 Rast v Sloveniji: #BDP navzgor — a napovedi za 2025 nižje
🇯🇵 Japonski problem — ali globalni trgi izgubljajo likvidnost?
📊 Zaposlovanje vs. borza — nevaren razkorak
₿ Bitcoin pod 100.000 USD — vrnitev v defenzivo
🥇 #Zlato postaja infrastruktura digitalnega sistema
 💰 Zlato proti #Bitcoinu — prelomna točka
🇨🇳 Kitajska kupuje več zlata, kot priznava
📈 #Zlato prehitelo S&P 500 v zadnjih 25 letih

👉 Razumevanje ciklov in likvidnosti je ključ do zaščite ter rasti premoženja.
#finance #investing #trgi #zlato #srebro #ekonomija #crypto #peterherman

Open article: Razpad zaupanja: delnice na robu, kripto v korekciji by peterherman.substack.com

Razpad zaupanja: delnice na robu, kripto v korekciji

Welcome to this week’s #newsletter — your guide to understanding the world of #finance, #investing, and precious #metals.

This edition explores how #silver is turning into money, industrial backbone, and strategic reserve all at once. In the full article you can also dive into other key themes of the week:
🔻 Why did markets lose trillions in just a few days?
🤖 #AI: powerful growth engine or classic bubble?
🥇 #Gold leads 2025, bitcoin is in the red
🌍 Who holds the strategic #gold of the future?
📈 #Gold above $4,000 – still a moderate phase in the cycle
⚙️ #Silver breaks a 46-year resistance line
🇨🇳🇮🇳🇹🇷 #China, #India and #Turkey: the real silver ‘game plan’
 
👉 Is #silver becoming the silent backbone of the next monetary system?

#finance #investing #silver #gold #markets #AI #macro #wealthprotection #peterherman #newsletter

Open article: The Global Silver Shift: Money for India, Industrial Fuel for China, Strategic Reserves for Turkey by Peter Herman • 5 min read

The Global Silver Shift: Money for India, Industrial Fuel for China, Strategic Reserves for Turkey

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