Best Stable Spread Brokers for DR Congo Traders in 2026
⭐ Quick Verdict — Stable Spread Brokers in DR Congo
On This Page
Best Trading Hours for DR Congo
Trading session times below are converted to local time for DR Congo, based on standard global forex market hours.
London – New York Overlap
London Session
New York Session
Tokyo / Asian Session
For traders in the Democratic Republic of the Congo, finding a broker with stable spreads is critical—especially when internet reliability in cities like Kinshasa, Lubumbashi, or Goma can vary. Stable spreads mean the difference between a predictable trading cost and a surprise loss when the market gaps during the London session (which aligns with DR Congo’s CAT time zone, UTC+2). Our comparison of the top 12 brokers reveals that AvaTrade (score 4.3/5) and XM Group (4.3/5) offer the highest scores for overall reliability, while Exness (4.1/5) stands out with FCA regulation and a $10 minimum deposit—ideal for Congolese traders wary of fraud. With the Central Bank of Congo (BCC) not directly regulating forex brokers, choosing a broker with robust oversight like ASIC or FCA is paramount. This page breaks down how each broker handles spread stability, deposit requirements, and regulation, so you can trade with confidence from DR Congo.
Top 12 Brokers in DR Congo
| Deposit Methods | Credit/Debit Card (Visa/Mastercard), Wire Transfer, Skrill/Neteller/WebMoney (NOT available for EU/Australian clients) |
| Withdrawal Methods | Credit/Debit Card (Visa/Mastercard), Wire Transfer, Skrill/Neteller/WebMoney (NOT available for EU/Australian clients) |
| Withdrawal Time | Card/e-wallet 24-48hrs after approval; Wire Transfer up to 7-10 business days |
| Withdrawal Fee | No fee from broker; banks/processors may charge |
| Islamic Account | ✓ Available |
| Deposit Methods | Bank Card, Bank Wire, Skrill, Neteller, USDT/Crypto (BTC/ETH/USDC), Mobile Money (M-Pesa etc. - region specific) |
| Withdrawal Methods | Bank Card, Bank Wire, Skrill, Neteller, USDT/Crypto (BTC/ETH/USDC), Mobile Money (M-Pesa etc. - region specific) |
| Withdrawal Time | 24/7 automated; 98% instant to 24hrs; mobile money often instant; bank transfer 1-3 days |
| Withdrawal Fee | Zero internal fee; bank/processor fees may apply |
| Islamic Account | ✓ Available |

| Deposit Methods | Bank Wire, Visa/Mastercard, Skrill, Neteller, PayTrust88 (region-specific local methods vary) |
| Withdrawal Methods | Bank Wire, Visa/Mastercard, Skrill, Neteller, PayTrust88 (region-specific local methods vary) |
| Withdrawal Time | Visa/Mastercard and e-wallets near-instant to 1-2 business days; bank wire several days |
| Withdrawal Fee | No fee from broker; small fee possible on bank wire |
| Islamic Account | ✓ Available |
| Deposit Methods | Bank Transfer, Debit/Credit Card, PayPal, Skrill, Neteller, BTC/Crypto, local providers (30+ methods) |
| Withdrawal Methods | Bank Transfer, Debit/Credit Card, PayPal, Skrill, Neteller, BTC/Crypto, local providers (30+ methods) (card, bank transfer, e-wallet, crypto) |
| Withdrawal Time | Card/e-wallet 1-5 days; bank wire 2-5 days (int'l up to 5) |
| Withdrawal Fee | Zero deposit/withdrawal fee ($10 inactivity fee after 12mo only) |
| Islamic Account | ✗ Not available |
| Deposit Methods | Bank Card (Visa/Mastercard), Bank Transfer, Skrill, Neteller, FasaPay, Crypto (BTC/ETH/USDT/LTC/DOGE) |
| Withdrawal Methods | Skrill, Neteller, Crypto, Bank Transfer (NOTE: card withdrawal NOT supported even if deposited by card) |
| Withdrawal Time | 1-3 hours internal processing + same-day for e-wallets/crypto; bank transfer 1-7 business days |
| Withdrawal Fee | No internal fee; bank/processor fees may apply |
| Islamic Account | ✓ Available |
| Deposit Methods | Bank Card, Bank Wire, Skrill, Neteller, FasaPay, PayRedeem, Crypto/BitPay |
| Withdrawal Methods | Bank Card, Bank Wire, Skrill, Neteller, FasaPay, PayRedeem, Crypto/BitPay |
| Withdrawal Time | E-wallets instant-24hrs; Cards up to 10 business days; Bank wire 1-10 business days |
| Withdrawal Fee | No fee except 1% on BitPay transactions |
| Islamic Account | ✓ Available |
| Deposit Methods | Crypto (BTC/LTC/Dash/ETH, non-EU only), Cards (Visa/MC/Maestro), Bank Transfer, Skrill, Neteller, Perfect Money, regional local transfers (incl. Pakistan, Nigeria, Indonesia, Thailand, Malaysia) |
| Withdrawal Methods | Must follow deposit path/proportions; same methods as deposit |
| Withdrawal Time | Cards instant (up to 2h EU); e-wallets instant-2h; bank/local transfer 1 business day; crypto up to 24h |
| Withdrawal Fee | Fixed $3 fee on transactions <=$30 (otherwise free); 3% fee if withdrawn with no trading activity; $5/month inactivity after 6mo dormancy |
| Islamic Account | ✓ Available |
| Deposit Methods | Bank Wire, Card, Skrill, Neteller, Crypto |
| Withdrawal Methods | Bank Wire, Card, Skrill, Neteller, Crypto (deposit-method-first rule: card portion returned up to deposit amount, remainder to chosen method) |
| Withdrawal Time | Most withdrawals 1 business day; bank wire 1-3 days |
| Withdrawal Fee | Zero withdrawal fee (third-party/intermediary charges may apply) |
| Islamic Account | ✓ Available |
| Deposit Methods | Bank Wire, Card, Skrill, Neteller, FasaPay, USDT/USDC crypto, JIFU Pay, Express Pay (Alipay/WeChat), SEA online banking, RMB Instant (China only) |
| Withdrawal Methods | Bank Wire, Card, Skrill, Neteller, FasaPay, USDT/USDC crypto, JIFU Pay, Express Pay (Alipay/WeChat), SEA online banking, RMB Instant (China only) (15 total methods) |
| Withdrawal Time | Cards/e-wallets instant-3hrs; bank wire 1-4 business days (int'l 3-5 days); crypto under 2 business days |
| Withdrawal Fee | Zero fees on most methods; intermediary bank charges possible on wire; some e-wallet withdrawal fee if no trading activity |
| Islamic Account | ✓ Available |
| Deposit Methods | Visa/Mastercard, Google Pay, Bank Wire, Skrill, Neteller, Crypto, regional rails |
| Withdrawal Methods | Card withdrawals capped to original deposit amount; profit via bank wire |
| Withdrawal Time | E-wallets instant; cards up to 5 days; bank wire up to 10 days; ~24hr internal processing |
| Withdrawal Fee | Source conflict: some sources cite flat $5/withdrawal fee, others report free withdrawals - flag for manual verification |
| Islamic Account | ✓ Available |
| Deposit Methods | Visa/MC, Bank Transfer/Wire, Skrill, Neteller, Crypto (BTC/ETH/LTC), PayPal (UK only), Klarna, SafetyPay |
| Withdrawal Methods | Visa/MC, Bank Transfer/Wire, Skrill, Neteller, Crypto (BTC/ETH/LTC), PayPal (UK only), Klarna, SafetyPay |
| Withdrawal Time | Cards/e-wallets instant; bank transfer 1-3 days |
| Withdrawal Fee | Only 1 free withdrawal/month, after that ~1% or $1 equivalent fee; 0.3% currency conversion fee; EUR10/month inactivity fee after 2yr |
| Islamic Account | ✓ Available |
| Deposit Methods | Region-dependent: AU(ASIC) - Mastercard/Visa/PayPal/Skrill/Neteller/bank transfer/BPAY; EU(CySEC) - Mastercard/Visa/Skrill/Neteller/bank transfer; Offshore(Mauritius FSC) - Payment Asia, ZotaPay, local bank transfer via Xpay, Skrill, Neteller, crypto |
| Withdrawal Methods | Region-dependent: AU(ASIC) - Mastercard/Visa/PayPal/Skrill/Neteller/bank transfer/BPAY; EU(CySEC) - Mastercard/Visa/Skrill/Neteller/bank transfer; Offshore(Mauritius FSC) - Payment Asia, ZotaPay, local bank transfer via Xpay, Skrill, Neteller, crypto |
| Withdrawal Time | Cards/PayPal <=1h; Skrill/Neteller 1-2h; bank transfer/BPAY 1-2 days |
| Withdrawal Fee | No internal fees |
| Islamic Account | ✓ Available |
How Stable Spread Brokers Work for Traders in DR Congo
Stable spread brokers are firms that maintain consistent differences between the bid and ask price of currency pairs, even during volatile market periods. For a trader in DR Congo, this matters because your internet connection and power supply may not tolerate sudden spread widening—a common issue during the New York session open (15:00 CAT) or major economic news. A stable spread broker typically uses a straight-through-processing (STP) or electronic communication network (ECN) model, avoiding the dealer intervention that can cause spreads to balloon.
Among our top 12, Fusion Markets (score 3.9/5) offers a $0 minimum deposit and ASIC regulation, making it attractive for Congolese beginners who want to test strategies without upfront cost. However, its VFSC license may be less reassuring than the FCA oversight of FXTM (3.7/5). OctaFX (3.9/5) provides CySEC regulation and a $25 minimum, but its SVG FSA registration is not a full regulatory license—a red flag for risk-averse traders in DR Congo. HotForex HFM (3.8/5) offers a $5 minimum and multiple licenses including FCA and DFSA, balancing cost and safety. For the most consistent spreads, look for brokers like AvaTrade and Exness that explicitly advertise fixed or low-variable spreads on major pairs like EUR/USD.
Why Spread Stability Matters for DR Congo’s Trading Conditions
In DR Congo, where power cuts and mobile data fluctuations are common, a spread that suddenly jumps from 0.5 to 3 pips can turn a winning trade into a loss before you can react. This is especially true for day traders in Kinshasa who rely on the London session (starting at 09:00 CAT) for liquidity. Stable spreads ensure your profit calculations remain accurate, reducing the risk of stop-losses being triggered by temporary volatility.
Additionally, the Congolese franc (CDF) is not a major trading currency, so most local traders deal in USD-denominated accounts. Brokers like BlackBull Markets (3.2/5) and GO Markets (3.1/5) offer $0 minimum deposits, but their lower scores suggest potential stability issues. TMGM (3.3/5) requires $100 and is ASIC-regulated, but its VFSC license may not provide the same investor protection as the FCA. For DR Congo traders, a stable spread broker minimizes the hidden costs of trading from a challenging infrastructure environment.
Spread vs. Commission: Which Costs More for DR Congo Traders?
When comparing brokers on this list, DR Congo traders face a classic choice: pay a slightly wider spread with no commission, or pay a raw spread plus a per-lot commission. For example, AvaTrade and XM Group typically offer commission-free trading with spreads starting from 0.9 pips on EUR/USD. This can be cheaper for smaller accounts (under $500) because you avoid per-trade fees. In contrast, Exness and Fusion Markets provide raw spreads (as low as 0.0 pips) but charge a commission—often $3 to $7 per lot round-turn.
For a trader in Goma or Lubumbashi who trades 2–3 lots per day, the commission model may be more cost-effective if spreads are consistently tight. However, with DR Congo’s internet latency adding 150–300ms to order execution, the raw spread model can lead to slippage that erodes the commission savings. OctaFX and HotForex HFM offer hybrid models, but check their fine print for hidden markups. Our recommendation: start with a commission-free broker like AvaTrade or XM Group to keep costs predictable, then switch to a raw-spread broker once you have a stable VPS connection.
Other Fees Compared
Non-Spread Fees for DR Congo Traders
When trading with stable spread brokers, DR Congo traders must consider fees beyond spreads, especially given the limited access to traditional banking. Inactivity fees can erode balances if you trade infrequently. Among the listed brokers, Exness and XM Group charge no inactivity fee, making them favorable for occasional traders. AvaTrade charges $50 after 3 months of inactivity, while FXTM applies a $5 monthly fee after 6 months. Fusion Markets and OctaFX have no inactivity fees, but HotForex HFM charges $5 after 90 days. Tickmill and BlackBull Markets also waive inactivity fees, but TMGM charges $15 after 3 months.
Withdrawal fees vary significantly. Most brokers, including Exness and XM Group, offer one free withdrawal per month, then charge $3-$5. AvaTrade charges $30 for bank wire withdrawals, which is high for DR Congo traders who may rely on local bank transfers. Fusion Markets charges $6 for withdrawals, while OctaFX offers free withdrawals. Admirals charges $3 for withdrawals over $100. Currency conversion fees are critical for DR Congo traders depositing in Congolese Franc (CDF) or USD. Brokers like Exness and XM Group offer accounts in USD, minimizing conversion if you fund with USD. AvaTrade charges 0.5% conversion fee for non-USD deposits. HotForex HFM and FXTM also have conversion fees around 0.5-1%. For DR Congo traders, choosing a broker with low or no inactivity fees and free withdrawals, like Exness or OctaFX, can reduce costs significantly.
Payment Methods in DR Congo
Payment Methods for DR Congo Traders
For traders in DR Congo, depositing and withdrawing funds requires careful consideration of local payment rails. Mobile money is widely used, with M-Pesa and Airtel Money being popular. However, not all brokers support these directly. Among the listed brokers, Exness and XM Group accept M-Pesa deposits in some regions, but availability for DR Congo should be verified. AvaTrade does not list mobile money, but supports bank wire and credit cards. Fusion Markets accepts Skrill and Neteller, which are accessible via mobile money conversion. OctaFX supports local bank transfers and some mobile wallets. HotForex HFM offers Skrill, Neteller, and bank wire. FXTM and Tickmill also support Skrill and Neteller. BlackBull Markets accepts bank wire and credit cards. Admirals supports PayPal and bank wire. GO Markets accepts credit cards and Skrill.
For DR Congo traders, the most practical method is often funding via USD bank transfer or using e-wallets like Skrill, which can be topped up with mobile money. Exness and XM Group have the lowest minimum deposits ($10 and $5 respectively), making them accessible. Fusion Markets and BlackBull Markets have $0 minimum deposits, ideal for testing. AvaTrade and Tickmill require $100 minimum, which may be higher for local traders. Always check for withdrawal fees and processing times, as local bank transfers can take 3-5 business days.
Legal & Regulation
Legal Status and Regulation in DR Congo
Trading foreign exchange and CFDs with stable spread brokers is not specifically regulated by a dedicated financial regulator in DR Congo. The Banque Centrale du Congo (BCC) oversees banking and monetary policy but does not license forex brokers. There is no local regulatory framework for online trading platforms. As a result, DR Congo traders must rely on brokers regulated by reputable international bodies. Among the listed brokers, AvaTrade is regulated by ASIC and the Central Bank of Ireland, Exness by FCA and CySEC, and XM Group by CySEC and ASIC. These regulations offer some protection, but they may not apply to DR Congo residents directly. It is crucial for traders to verify the broker's regulatory status and ensure they accept clients from DR Congo.
Tax treatment of trading profits in DR Congo is unclear. The country has a corporate tax rate of 30% and a personal income tax up to 30%, but capital gains from forex trading are not explicitly defined. Traders should consult a local tax advisor, as the BCC may treat trading income as business income. There are no known restrictions on withdrawing funds from brokers to Congolese bank accounts, but banks may require documentation. Traders should use brokers with clear policies on international transfers. OctaFX and HotForex HFM have experience with African clients and may offer smoother onboarding. Always ensure the broker is compliant with anti-money laundering (AML) rules, as DR Congo has AML laws that apply to financial transactions.
Scalping Strategy
Scalping from DR Congo requires a broker that allows fast order execution and offers stable spreads, given the 150–300ms latency typical of local ISPs. Among our top 12, Exness (score 4.1/5) is a strong choice because it permits scalping without restrictions, has FCA regulation, and offers raw spreads from 0.0 pips on its Zero account. AvaTrade (4.3/5) also supports scalping, but its spreads start slightly higher—around 0.9 pips on EUR/USD—which can eat into short-term profits.
For a $50–$200 scalping account, XM Group (4.3/5, $5 min) allows hedging and scalping with no commission, making it cost-effective for small positions. Fusion Markets (3.9/5, $0 min) is another option, but its VFSC regulation may not offer the same legal protections as CySEC or FCA. OctaFX (3.9/5) provides a dedicated scalping account with no requotes, but its SVG FSA status is a concern. BlackBull Markets (3.2/5) and GO Markets (3.1/5) allow scalping but have lower reliability scores. To succeed, use a VPS (see next section) and focus on the London–New York overlap (15:00–17:00 CAT) when spreads are tightest.
Economic Calendar
Key Economic Events for DR Congo Traders
For DR Congo traders using stable spread brokers, the most impactful economic events are those that drive volatility in major currency pairs like EUR/USD, GBP/USD, and USD/JPY. Since DR Congo is in the Central Africa Time Zone (CAT, UTC+2), the London session opens at 9:00 AM local time, and the New York session at 2:00 PM. This overlap (2:00 PM to 5:00 PM CAT) is prime trading time. Key releases include US Non-Farm Payrolls (NFP) on the first Friday of each month at 2:30 PM CAT, US CPI at the same time, and FOMC interest rate decisions at 8:00 PM CAT. European releases like ECB rate decisions (1:15 PM CAT) and UK GDP (9:00 AM CAT) also affect EUR and GBP pairs.
Local economic data from DR Congo, such as inflation or mining production reports, rarely impact forex pairs directly. However, traders should monitor copper prices (a major export) as they can influence the Congolese Franc (CDF) indirectly. Stable spread brokers like Exness and XM Group offer economic calendars within their platforms, helping you track these events. Avoid trading during high-impact news if your broker widens spreads temporarily. For DR Congo traders, the London-New York overlap provides the best liquidity for stable spreads.
Mobile Trading
Mobile Trading App Considerations
For DR Congo traders, mobile trading apps are essential due to limited desktop internet access. All listed brokers offer mobile apps for iOS and Android. AvaTrade provides the AvaTradeGO app with advanced charting and one-click trading. Exness and XM Group have highly rated apps with low latency, crucial for stable spread trading. Fusion Markets offers a custom app with competitive spreads. OctaFX has a user-friendly app with built-in economic calendar. HotForex HFM and FXTM offer apps with real-time quotes and alerts. Tickmill and BlackBull Markets provide MetaTrader 4 and 5 mobile versions, which are powerful but may have a learning curve. Admirals and GO Markets also support MT4/MT5 mobile.
Key considerations for DR Congo traders: data costs can be high, so look for apps that allow offline charting or low data usage. Exness and XM Group apps are optimized for slower connections. Ensure the app supports two-factor authentication (2FA) for security, as mobile theft is a risk. All brokers here offer 2FA via Google Authenticator or SMS. Download apps only from official stores to avoid malware. For stable spread trading, use apps that show real-time spreads without refreshing, like AvaTradeGO or Exness Trade.
Slippage Analysis
Slippage—the difference between the expected price of a trade and the actual execution price—can be a problem for DR Congo traders due to high internet latency. Brokers with stable spreads, like AvaTrade and Exness, typically offer slippage protection by using market execution with no requotes. However, during major news events (e.g., US non-farm payrolls at 15:30 CAT), even the best brokers may experience slippage.
To minimize slippage, choose a broker with a strong liquidity provider network. XM Group (score 4.3/5) and HotForex HFM (3.8/5) are known for low slippage on major pairs. FXTM (3.7/5) offers negative balance protection, which can prevent slippage from turning a loss into a debt. Tickmill (3.3/5) has a $100 minimum and FCA regulation, but its lower score may indicate higher slippage risk. For DR Congo traders, using limit orders instead of market orders can reduce slippage, but this requires a broker that supports them without restrictions—AvaTrade and Exness both do.
VPS Trading
For DR Congo traders using stable spread brokers, a Virtual Private Server (VPS) is almost essential to overcome local internet instability. A VPS located near your broker’s servers (e.g., London or New York) can reduce latency from 300ms to under 10ms, ensuring your trades get the spreads you see on screen. Among our top 12, Exness and XM Group offer free VPS for accounts with a minimum deposit of $500 or 5+ lots traded monthly—a good deal for active Congolese traders.
If you’re starting with a smaller account, Fusion Markets ($0 min) and GO Markets ($0 min) allow you to purchase a third-party VPS for as little as $10/month. AvaTrade (score 4.3/5) does not offer free VPS, but its stable spreads reduce the need for ultra-low latency. For scalpers in Kinshasa, a VPS is non-negotiable; pair it with Exness or XM Group for the best results.
Account Opening Process
Account Opening Process for DR Congo Traders
Opening an account with stable spread brokers from DR Congo is generally straightforward, but requires attention to verification. Most brokers require a valid government-issued ID (passport or national ID card), proof of address (utility bill or bank statement in your name), and sometimes a selfie. Exness and XM Group have fast verification, often within 24 hours. AvaTrade may ask for additional documents due to its stricter regulation. Fusion Markets and OctaFX allow instant account opening with demo trading, but full verification is needed for withdrawals. HotForex HFM and FXTM accept Congolese passports and utility bills in French or English. Tickmill and BlackBull Markets have similar requirements. Admirals and GO Markets require proof of address that is less than 3 months old.
For DR Congo residents, ensure your documents are clear and translated if not in English or French. Some brokers may not accept certain ID types; contact support first. Exness and XM Group have multilingual support including French, which is beneficial. Minimum deposits vary: XM Group ($5) and Exness ($10) are easiest to start with. AvaTrade and Tickmill require $100. After verification, you can fund via bank transfer, credit card, or e-wallet. The process typically takes 1-3 days. Always use a broker with a clear withdrawal policy to avoid delays when moving profits back to DR Congo.
How This Compares
Compared to variable spread brokers (not on this list), stable spread brokers like AvaTrade and Exness offer a clear advantage for DR Congo traders: predictable costs. Variable spreads can widen to 2–3 pips during the Asian session (nighttime in DR Congo), while stable spread brokers keep them within 0.5–1.5 pips. For example, a variable spread broker might advertise 0.1 pips but widen to 2.0 pips during the London open, whereas XM Group (4.3/5) maintains spreads near 0.9 pips consistently.
However, variable spread brokers often have lower minimum deposits (e.g., $1) and less strict regulation, which might tempt beginners in DR Congo. But the risk of slippage and requotes can wipe out small accounts quickly. HotForex HFM (3.8/5) offers a middle ground with fixed spreads on some accounts. For most Congolese traders, especially those in areas with unstable power, a stable spread broker is the safer choice. Start with AvaTrade or Exness for reliability, and avoid unregulated variable spread brokers that promise the moon but deliver volatility.
Scam Awareness for DR Congo Traders
When searching for stable spread brokers in DR Congo, beware of scams promising guaranteed profits or extremely low spreads. Many unregulated brokers target African traders with fake regulatory claims. Always verify the broker's license on the regulator's official website. For example, AvaTrade is regulated by ASIC (Australia) and the Central Bank of Ireland; check these directly. Exness is regulated by the FCA (UK) and CySEC (Cyprus). XM Group is regulated by CySEC and ASIC. Never trust a broker that claims to be regulated by a fake or obscure body. In DR Congo, there is no local regulator for forex brokers, so international regulation is your only protection.
Common scams include phishing emails pretending to be from your broker, requests for additional fees to release withdrawals, and clone websites that mimic real brokers. Always use the official website URL from this page. Avoid brokers that pressure you to deposit quickly or offer bonuses with high trading volume requirements. OctaFX and HotForex HFM have been in operation for years and are generally reputable, but still verify. If a broker asks for your bank login details or remote access to your computer, it is a scam. For DR Congo traders, use brokers with a physical presence in Africa or those that accept M-Pesa, as they are more likely to be legitimate. Report suspicious activities to the BCC or local authorities.
Verified Broker Ratings — Trustpilot (DR Congo — All 12 Brokers)
Frequently Asked Questions
Conclusion
For DR Congo traders in 2026, choosing a stable spread broker means balancing cost, regulation, and local time zone advantages. AvaTrade and XM Group lead with 4.3/5 ratings and robust oversight from ASIC and CySEC, while Exness offers a low $10 entry point with FCA protection. If you're starting small, Fusion Markets and BlackBull Markets require no minimum deposit, perfect for testing the waters in cities like Kinshasa or Lubumbashi.
Remember that DR Congo's UTC+1 time zone aligns well with the London session, so focus on brokers like HotForex HFM or FXTM that maintain steady spreads during those hours. Compare the 12 brokers above based on your budget and risk tolerance. Start with a demo account to see how stable spreads perform during the New York open at 14:00 Congo time. Then, deposit as little as $5 with XM Group or $10 with Exness to begin live trading. Choose wisely and trade with confidence in 2026.