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Richbay Explains

Scenario-shaped knowledge: sources cited, dates shown, AI-drafted with ongoing human review.

4 articles · Non-profit · Sources cited · AI status disclosed

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Governance

How the Schengen visa actually works — and the 4 mistakes that get people refused The "first entry" rule, the 90/180 counter, travel insurance minimums, and proof of funds — explained with the official thresholds, updated for 2026. 3 sources · 8 min read · Updated 2026-06-03

Finance

Midmarket rate vs. the rate your bank gives you The midmarket rate is the live Reuters/Bloomberg cross. Your bank gives you the customer rate, which bakes in a spread + commission. Real 2026 numbers for USD/JPY and CNY/JPY. 3 sources · 6 min read · Updated 2026-06-03

Education

The real cost of a master's in the UK vs. Germany London's high tuition + high cost of living vs Germany's "zero tuition but weaker employer signal". Real 2026 ledger including 24-month opportunity cost. 3 sources · 6 min read · Updated 2026-06-03

Digital & AI

What the EU AI Act means if you just use AI tools The AI Act is the centerpiece of EU 2026 AI regulation. If you don't build AI but just use ChatGPT / Claude / Midjourney, what you need to know: transparency obligations, deepfake labeling, and workplace rules from August 2026. 3 sources · 7 min read · Updated 2026-06-03