As the BRICS economies (Brazil, Russia, India, China, and South Africa) play an increasingly significant role in the global economy, the need for a more efficient, secure, and transparent cross-border payment system has become more urgent. Blockchain emerges as an innovative solution that can revolutionize BRICS financial infrastructure, reduce reliance on traditional systems, and accelerate international transactions. This bool discusses how people use cryptocurrencies for both domestic and cross-border payments. It highlights the benefits of faster, cheaper, and more efficient transactions compared to traditional financial systems. The book also examines how blockchain technology enables real-time fund transfers without intermediaries, which is particularly beneficial for small businesses, migrant workers, and communities without access to formal banking services. untuk memahami bagaimana Artifical Inteligence (AI) dapat dimanfaat kan secara efektif dalam penerapan Problem-Based Learning (PBL). De ngan pendekatan yang praktis dan aplikatif, buku ini menjelaskan lang kah-langkah integrasi AI ke dalam proses pembelajaran berbasis masalah, mulai dari perencanaan hingga evaluasi. Melalui contoh kasus, alat bantu AI, dan strategi implementasi yang mudah diadaptasi, pembaca akan diajak mengeksplorasi bagaimana AI dapat meningkatkan keterampilan berpikir kritis, kolaboratif, dan peme cahan masalah. Buku ini juga membahas berbagai aplikasi AI yang rele van seperti chatbot pembelajaran, sistem tutor pintar, serta platform ana litik pembelajaran, yang memperkaya proses PBL baik di kelas maupun pembelajaran jarak jauh.Metaverse is the next internet iteration with a decentralized network of virtual spaces where users can socialize, learn, and play. Leveraging other emerging technologies (5G, blockchain, artificial intelligence), and moving from 2D graphics on flat screens to 3D graphics on HMD, Metaverse will enable the creation of interactive and virtual equivalents of the physical world we will be able to explore via its extended reality platform. As for our novel, "Journey into the Virtual Universe," we have done our best to become a thirsty publication for readers interested in reading science fiction novels.