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Lending

Lending protocols form the backbone of the decentralized money market, allowing users to lend or borrow digital assets without intermediaries. Using smart contracts, platforms like Aave and Morpho automate interest rates based on supply and demand while requiring over-collateralization for security. The 2026 lending landscape features advanced permissionless vaults and institutional-grade credit lines. This tag covers the evolution of capital efficiency, liquidations, and the integration of diverse collateral types, including LSTs and tokenized RWAs.

14603 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Best Cryptos to Buy as First U.S. Solana Staking ETF Records $10.6M in Net Inflows

Best Cryptos to Buy as First U.S. Solana Staking ETF Records $10.6M in Net Inflows

As institutional interest in Solana (SOL) runs wild, with the first U.S. Solana staking ETF noting $10.6 million in net inflows, Mutuum Finance (MUTM) is emerging as the most sought-after DeFi project. Despite being at only $0.035 during presale Phase 6, MUTM has already collected over $16.55 million and added over 16,660 holders. Mutuum Finance […]

Author: Cryptopolitan

2025/09/30

Top Crypto to Invest In as Ethereum ETF Inflows Outpace Bitcoin by $720M in September

Top Crypto to Invest In as Ethereum ETF Inflows Outpace Bitcoin by $720M in September

The post Top Crypto to Invest In as Ethereum ETF Inflows Outpace Bitcoin by $720M in September appeared first on Coinpedia Fintech News Ethereum exchange-traded funds have recorded their most dramatic inflows to date, as investors poured $720 million into spot ETH ETFs in a single day this September. The surge is part of a broader wave, with more than $2 billion absorbed in just one week. This is the strongest sign yet that Ethereum is moving closer …

Author: CoinPedia

2025/09/30

Mutuum Finance solidifies position as lead DeFi contender

Mutuum Finance solidifies position as lead DeFi contender

Mutuum Finance is standing out in 2025 with a structured presale, strong transparency, and a clear path to functional DeFi utility. #partnercontent

Author: Crypto.news

2025/09/30

U.S. Financial Regulators Pledge ‘Harmonization’ to Streamline Crypto Oversight

U.S. Financial Regulators Pledge ‘Harmonization’ to Streamline Crypto Oversight

Following years of friction and overlap, the U.S. Securities and Exchange Commission (SEC) and the Commodity Futures Trading Commission (CFTC) have officially committed to closer collaboration, starting with the rapidly evolving digital asset markets. The pledge, announced after a joint regulatory roundtable in Washington, D.C., signals a significant pivot toward reducing duplication and regulatory conflict … Continue reading "U.S. Financial Regulators Pledge ‘Harmonization’ to Streamline Crypto Oversight" The post U.S. Financial Regulators Pledge ‘Harmonization’ to Streamline Crypto Oversight appeared first on Cryptoknowmics-Crypto News and Media Platform.

Author: Coinstats

2025/09/30

SG-FORGE launches EURCV and USDCV in DeFi: loans and swaps live

SG-FORGE launches EURCV and USDCV in DeFi: loans and swaps live

SG-FORGE brings its regulated stablecoins EURCV and USDCV into DeFi protocols on Ethereum.

Author: The Cryptonomist

2025/09/30

In-depth analysis of Loopscale: How to restructure the Solana DeFi lending market?

In-depth analysis of Loopscale: How to restructure the Solana DeFi lending market?

Loopscale: Order book lending on Solana Author: Castle Labs Compiled by: Luiza, ChainCatcher While Ethereum’s DeFi total value locked (TVL) is still far from its 2021 peak, Solana’s TVL has seen significant growth and is now at a new all-time high. The characteristics of the Solana ecosystem make it an ideal choice for lending protocols. This is evident in protocols like Solend, which already boasted nearly $1 billion in deposits in 2021. While the FTX debacle severely impacted the development of the Solana lending ecosystem in the years that followed, lending protocols on Solana have demonstrated significant resilience, spurring a new wave of growth. In 2024, the TVL of Solana’s on-chain lending protocols was less than $1 billion. Today, that figure has exceeded $4 billion. Kamino leads with over $3 billion in TVL, followed by Jupiter with $750 million in TVL. This study will first analyze the limitations of pool-based lending models and the rise of alternative models. It will then delve into Loopscale's value proposition, unique features, and the practical benefits it brings to users. Finally, it will explore future trends in the lending market and raise several questions worth considering. The evolution of lending models Mainstream lending protocols (such as Aave and Compound) generally adopt a pool model: users inject liquidity into the pool, which is then used by others to borrow. The interest rate is dynamically adjusted by an algorithm based on the utilization rate of funds (total borrowing amount divided by total deposit amount). In the early days, the flexibility of this type of protocol design was limited by the limitations of the Ethereum mainnet architecture. Although the fund pool model has advantages in the startup phase and in ensuring the liquidity of collateral assets, it has obvious shortcomings: Liquidity fragmentation (difficulties in listing new assets): Each new asset requires a separate fund pool, which inevitably leads to liquidity fragmentation. It also makes it more complex for users to manage multiple positions, requiring more active management efforts. Rough risk pricing: The utilization curve is an inefficient, one-size-fits-all pricing mechanism that can ultimately lead to either overly aggressive terms (excessively high risk) or overly conservative terms (excessively low returns). In effect, the interest rate on the pool tends to align with the riskiest collateral in the pool. Inefficient capital utilization: In a pooled lending market, only borrowed funds accrue interest, but this interest income must be distributed to all depositors. This means that the actual interest earned by lenders is lower than the interest paid by borrowers, resulting in "deadweight capital." Furthermore, idle funds in the pool awaiting lending also participate in the interest distribution, further widening the aforementioned interest rate spread. To alleviate these problems, protocols such as Euler, Kamino (V2), and Morpho (V1) introduced curated vaults, where professional managers allocate funds and set interest rates. This pragmatic improvement allows for a transformation without requiring a complete restructuring of the lending protocol's technology stack, while also addressing some of the issues with the pool model. In the Selected Vault model, vaults are managed by screened curators with specialized research and risk control capabilities, responsible for capital allocation, market selection, interest rate setting, and loan structure design. This model offers the following advantages to users: Users can choose different vault managers independently. Each vault is designed for specific risk preferences, so users do not need to be exposed to the risks of all assets supported by the fund pool. Easier portfolio management: Managers can quickly allocate assets to new markets, thereby more efficiently directing liquidity to new assets and facilitating the launch of new asset pools. However, there are drawbacks to the Select Vault: Trust and interest alignment issues: The vault is operated by a third-party manager, and users need to trust them. Moreover, the alignment of interests between managers and users is difficult to fully guarantee. Manager Competition and Rising Borrower Costs: Managers are responsible for setting risk parameters, developing strategies, and adjusting liquidity in pursuit of higher returns. This liquidity adjustment process creates competition among managers' different strategies, which negatively impacts borrowers. Managers are incentivized to maintain high capital utilization rates to provide lenders with attractive annualized percentage yields (APYs), which in turn drives up borrowing rates and increases borrower costs. The inherent flaws of the fund pool that the Selected Vault fails to address: The “value loss” caused by inefficient interest rates will still damage the capital efficiency of the lending market; Startup costs in new markets remain high; Liquidity remains fragmented across multiple independent markets; Interest rates are highly volatile, making it difficult to meet the needs of institutional users; Lack of flexibility: supporting new assets or credit products requires governance voting and the creation of new independent funding pools. While Selected Vaults optimize risk management by splitting liquidity, they are still essentially a variation of the pool model. As the number of supported assets and risk profiles continues to expand, the logic behind Selected Vaults has become closer to that of an order book model—each borrowing and lending quote is a "separate market" with specific terms, achieving extreme sophistication. Why is the order book model rising now? Although the concept of order book lending has long been recognized, in the past, due to the high transaction costs and technical limitations of networks such as Ethereum, the deployment of order book models was often impractical and had obvious flaws in scalability and capital efficiency. The rise of alternative public chains such as Solana has changed this situation - their low transaction costs and high throughput characteristics have finally made it possible to build a scalable and efficient order book lending market. While the pool model has supported the scalability of lending protocols, the order book model provides much-needed flexibility, particularly for institutional users and diverse asset types such as interest-bearing RWA tokens (like OnRe’s ONyc), AMM LP positions, JLP/MLP tokens, and LSTs (with a TVL exceeding $7 billion), giving users full control over their risk profile. Loopscale: An order-book lending protocol on the Solana chain Loopscale is an order book-based lending protocol on the Solana chain. Its deposit liquidity currently exceeds US$100 million and its active loan scale reaches US$40 million. Unlike traditional lending platforms based on capital pools, Loopscale's core innovation is that it allows lenders to create customized orders and independently set loan structures and risk parameters. These quotes will be "listed" in the order book based on interest rates and other terms, and Loopscale's matching engine will complete the loan matching. The core advantages of Loopscale's order book model ①Automated vault: For users seeking further operational simplicity, Loopscale automates the process through its curated vaults. Liquidity injected into these vaults is available across all manager-approved markets, and each vault is staffed by a risk manager with unique risk appetite and strategies. This design forms a differentiated strategy system that can meet the risk needs of different users: for example, some users may be willing to assume reinsurance-related risks (through ONyc tokens) through the USDC OnRe vault; while users with more conservative risk preferences can choose to deposit funds in the USDC Genesis vault - which will provide robust liquidity diversification across Loopscale markets. ②One-key cycle leverage: In addition to traditional lending, Loopscale also supports a "funding loop" feature. Through this feature, users can leverage interest-bearing assets (including JLP, ALP, digitSOL, ONyc, etc.). The specific principles are as follows: The core logic of the capital cycle is: after depositing collateral assets, the same assets as the collateral are borrowed, so that both the initial holdings and the borrowed tokens can generate returns. The leverage multiple that users can obtain depends on the market's loan-to-value ratio (LTV). Taking Liquidity Staking Token (LST) as an example, the traditional capital circulation process is as follows: 1. Deposit wstETH (wrapped staked ETH); 2. Borrow ETH; 3. Exchange ETH to wstETH; 4. Borrow ETH again to obtain higher wstETH returns. It should be noted that the capital circulation operation will only have actual benefits when the LST yield is higher than the annualized loan interest rate. On Loopscale, this process is simplified to a "one-click operation", and users do not need to complete multiple steps manually. Through the fund circulation function, users can maximize the APR of interest-bearing tokens; In addition, leveraged funding cycles also allow users to conduct directional leveraged trading on assets such as stocks. ③Solutions to the defects of the fund pool model Liquidity Aggregation The order book model addresses the fragmented liquidity issues in the pooled market. Loopscale further addresses the fragmented liquidity of the pooled market and the difficulty in reusing funds in the earlier order book model by creating a "virtual market." Lenders can place orders simultaneously across multiple markets with a single operation, without being restricted to a single market or managing multiple positions. Efficient pricing Each market on Loopscale is modular, with its own unique collateral type, lending rate, and terms. This means lenders can set interest rates based on specific collateral and principal, regardless of capital utilization. Ultimately, the interest rate for each asset adjusts dynamically based on market supply and demand in the order book (which may be influenced by factors such as asset volatility). This design simultaneously achieves the following goals: minimizing “ineffective funds”; ensuring that borrowing rates are fully aligned with deposit rates (in a pooled funding model, interest income is distributed to all depositors, resulting in lenders’ returns being lower than borrowers’ costs; on Loopscale, interest is only paid on funds that are actually utilized, achieving precise interest rate matching); In particular, it supports fixed-rate, fixed-term loans to meet the needs of institutional users, who are generally reluctant to accept interest rates based on utilization fluctuations in the funding pool model. Optimize capital utilization Loopscale uses its "yield optimization" mechanism to reduce the amount of idle funds in the order book waiting to be matched. The operating logic is simple and straightforward: Loopscale directs this idle liquidity to the MarginFi platform, ensuring that lenders can still "earn a competitive yield" until their orders are matched. Expanding the scope of asset support The Loopscale team can easily integrate with other protocols and take full advantage of Solana's asset composability to support assets that have difficulty obtaining liquidity in the pool market. ④ Actual benefits for users These features bring tangible benefits to users: users have complete control over loan terms, collateral assets, and participating markets, enabling refined management. As competition in the lending market intensifies at the interest rate level, the Loopscale model has advantages over pricing methods based on fund pool utilization. By directly matching orders, interest rates can be precisely aligned, saving costs for borrowers and increasing returns for lenders. Future Outlook and Conclusion Loopscale addresses the inefficiencies of the pool model by combining the flexibility of order books with modular markets, providing users with customized interest rates, optimized collateral pricing, and risk management tools. As DeFi expands to include institutional capital and RWAs, the order book model will become a critical infrastructure for scaling on-chain lending. Loopscale already supports a variety of RWAs and exotic assets and continues to expand its partnerships. Adding new markets only requires an oracle and initial liquidity (which can be provided by vaults or individual lenders), significantly lowering the barrier to entry. The Solana ecosystem is currently benefiting from widespread adoption of new token prototypes, including billions of dollars worth of LST, Liquidity-Backed Derivatives (LRT), staked SOL (which now accounts for 60% of the total SOL supply), Liquidity Positions, and Reliable Token Assets (RWAs). In this context, lowering the barrier to entry for new assets as collateral is key to improving market efficiency. The viability of the order book lending model has been widely recognized by the market—protocols like Morpho have already launched similar designs in their V2 releases. Although Loopscale suffered a hack in April 2025 (shortly after its launch), the team demonstrated strong resilience and all funds were recovered. It's important to note that handling complex collateral carries inherent risks, requiring thorough risk assessment and management at both the operational and user interface levels. By effectively addressing these challenges, Loopscale is poised to leverage Solana's technology stack to optimize its architecture and successfully scale the platform.

Author: PANews

2025/09/30

Starknet rolls out native Bitcoin staking on mainnet

Starknet rolls out native Bitcoin staking on mainnet

Starknet, the ZK-proof layer-2 solution for Ethereum, has rolled out Bitcoin staking on its mainnet, allowing BTC holders to participate in network consensus and earn rewards. Bitcoin staking has officially gone live on Starknet. In a Sept. 30 announcement on…

Author: Crypto.news

2025/09/30

IOSG: Analyzing how the Hyperliquid ecosystem gave rise to the "Robinhood moment" of mobile crypto trading

IOSG: Analyzing how the Hyperliquid ecosystem gave rise to the "Robinhood moment" of mobile crypto trading

By Max @IOSG Key Points TL;DR Retail investing in traditional finance (tradfi) has gone mobile (zero commission + app user experience), and this trend is spreading to the cryptocurrency field - retail users are looking for a fast, familiar, low-friction mobile native trading experience. Hyperliquid's technology stack (HyperEVM + CoreWriter + builder code) significantly lowers the development threshold for mobile front-ends, while taking into account the execution efficiency of CEX-like and the advantages of DEX (self-custody, fast coin listing, and fewer geographical/KYC restrictions). A wave of native mobile apps built on HL has begun: BasedApp, Mass.Money, Dexari, and Supercexy. These apps generate an average daily trading volume of $50,000 USD (with a monthly recurring revenue of $1.5 million USD), representing approximately 3-6% of HL perpetual contract trading volume, and target diverse user groups (crypto-native users, Web2 retail users, and professional traders). Why now? Hyper-speculation and the creator content cycle have increased retail users’ risk appetite; mobile apps have shortened user onboarding time, simplified the complexity of crypto, and added sticky features (copy trading, fiat currency deposits, card payments, money markets, and income tools). Core arguments: Crypto mobile trading fronts benefit from strong tailwinds from Web2 mass adoption and retail activity. For the cryptocurrency market to grow in scale and transaction volume, it needs to provide more crypto-native mobile applications for mainstream Web2 consumers. Compared with the Web3 business model, this field has real sustainable scale revenue characteristics and extremely low marginal cost of expansion. The past few months have seen a significant increase in the number of mobile trading and DeFi applications targeting retail consumers, many of which are built on Hyperliquid's infrastructure. This article aims to delve deeper into this vertical, analyzing the applications currently dominating the market and providing relevant insights. background Overall, retail investor participation in traditional investments has grown dramatically over the past decade. This trend began in 2019, when several major US brokerages reduced stock trading commissions to zero to compete with Robinhood, significantly reducing trading costs for small accounts. The 2020 pandemic accelerated this process: lockdowns, stimulus checks, and continuously optimized mobile experiences brought millions of new investors into the market. By 2022, the Federal Reserve's Survey of Consumer Finances showed a significant increase in stock market participation—58% of US households owned stocks directly or indirectly, and direct ownership jumped from 15% to 21%, the largest increase on record. Retail trading continues to play a significant role in daily market activity: it currently accounts for 20-30% of US stock trading volume, far exceeding pre-pandemic levels. This phenomenon is not limited to the United States but is also evident globally: the number of investment accounts in India has surged from tens of millions pre-pandemic to over 200 million by 2025. Investment channels are also continuing to expand—ETF inflows reached a record high in 2024-2025, and the popularity of fractional share trading and mobile brokerage services has provided retail investors with more convenient investment tools. The cost impact of zero commissions, the access impact of mobile trading applications, and the liquidity impact of ETFs have collectively driven retail investors to enter the public markets on a large scale, making consumer-grade investment applications a significant structural force in the market. Mobile Trading App Since 2021, the mobile trading app vertical within the retail trading market has continued to expand, driven by the increasing penetration of mobile devices and the rise of a new generation of independent decision-making investors. The global investment app market is projected to reach approximately $254.9 billion by 2033, growing at a compound annual growth rate (CAGR) of 19.1%. Why are mobile trading apps so popular among retail investors? The main reasons can be summarized into two dimensions: #Socially driven (everything is gamified and gambling-like) Contemporary social culture is dominated by dopamine loops, gamification mechanisms, and hyper-speculative behavior. The rise of the creator economy and short-form video platforms like TikTok and YouTube Shorts has reshaped user behavior, driving a demand for instant gratification. Mobile trading apps perfectly fit this need on multiple levels. On the social media front, communities like Wall Street Bets on platforms like Reddit are flooded with users showcasing massive gains and losses. Single-day gains and losses exceeding $100,000 have become normalized, and retail users are becoming increasingly desensitized to such sums. Many users separate their Robinhood account funds from real money, viewing their portfolios as mere chips in a game. Coupled with rising living costs, a widening wealth gap, and negative sentiment surrounding "involution," many working-class individuals believe the only way to achieve the American Dream is through "hyper-speculation"—taking extreme risks for outsized returns. Mobile trading apps have successfully capitalized on this social and cultural trend. By offering short-term options, leveraged products, instant execution, and a gamified interface, these apps have successfully lured users away from casinos and into the stock market. Users can simultaneously experience the dopamine rush, gaming thrills, and speculative trading experiences all on a single mobile device. #Application Features Mobile trading apps have significantly improved their features across multiple dimensions. Onboarding, they have condensed the account opening process from days of tedious paperwork to a near-instant online experience. All user processes, from identity verification to trade execution, are integrated into a single interface, enabling users to fully manage their portfolios. By removing friction points from traditional brokerage models and incorporating new value propositions like fractional share purchases and recurring investments, these platforms lower both the financial and cognitive barriers to entry. By incorporating familiar consumer design language from mainstream apps, they shorten the trading decision-making process, while personalized features like curated target lists and portfolio performance analysis maintain user engagement. Furthermore, post-investment features like detailed performance reporting and automated tax filing make the experience more akin to a full-service financial application, enabling users to complete all operations, rather than a simple trading terminal. On the social side, content elements further lower the barrier to use by providing an easily shareable interface, fostering social engagement and incentives (e.g., usage driven by the WSB forum). These characteristics collectively explain why mobile platforms have become the default investment channel and a persistent driver of retail market participation. How does this impact the cryptocurrency industry? The mobile-first application trend has extended from traditional finance/Web2 markets to the Web3 field. The surge in cryptocurrency wallet app usage over the past five years demonstrates market demand for mobile-native crypto products. Since trading and earning are inherent features of cryptocurrencies, perpetual swaps and DeFi are naturally the first areas to be transformed in this "mobile" era. With the rise of Hyperliquid since the end of 2024 and the launch of its modular high-performance trading infrastructure, many mobile perpetual contract DEX transactions and DeFi front-end products began to be built on HL infrastructure and flooded into the market. Why Hyperliquid and DEX? From a developer's perspective, HyperEVM's infrastructure is highly attractive due to the powerful tools it provides. CoreWriter and precompiled contracts allow smart contracts on HyperEVM to interact directly with HyperCore perpetual contract positions, enabling unique use cases and near-instant execution. Builder Code provides a clear incentive layer for developers, enabling them to earn a share of transaction fees when users trade through their front-ends. These features not only lower the barrier to entry for development but also make HyperEVM one of the most developer-friendly platforms, attracting top teams and talent. This is why 99% of mobile crypto trading front-ends are built on Hyperliquid. As for why DEXs? Traders are generally drawn to their structural advantages: broader access by eliminating KYC and jurisdictional restrictions, faster coin listings and a wider selection of tokens, and the ability to manage funds autonomously. Previously, CEXs attracted retail users because they significantly reduced the complexity of market participation: offering multiple trading markets within a single, mature web application, instant execution, low slippage, and high liquidity, along with integrated support features like wallet management, stable returns, and fiat currency access. However, this required users to assume significant counterparty risk and forgo the right to self-custody their assets. Hyperliquid is the platform that perfectly integrates all of these elements. This on-chain decentralized exchange combines the structural advantages of a DEX perpetual contract platform with CEX-level liquidity, execution efficiency, and overall user experience. This makes it the ideal liquidity infrastructure for building mobile crypto trading applications. So how does all this relate to mobile wallet transactions? Thanks to the availability of this modular, high-performance architecture, the development costs of building a mobile trading front-end have become extremely low - this is why a large number of related applications have begun to emerge on the market. Most mobile trading front-ends currently offer similar functionality centered around perpetual contract trading, but some are beginning to go beyond perpetual contracts to offer users a wider range of ancillary products. Generally speaking, these apps generally offer the following features: Fiat currency deposit channels: Supports credit/debit cards, bank transfers, Apple Pay, Google Pay, Venmo and other deposit methods Investment strategy tools: Provide fixed investment plans, stop-loss and take-profit functions, and early access to new tokens Money Market Integration: One-Stop Access to DeFi Lending Protocols Earn interest: Earn income through automatic compounding vaults Dapp Explorer: Search and connect to emerging decentralized applications Debit/Credit Card Services: Directly use self-managed funds for spending These features are made possible by Hyperliquid's infrastructure, which greatly simplifies the development of the core perpetual contract product, freeing the team to focus on innovation in other derivative areas. Due to the modular nature of the entire ecosystem, most HL-based projects can easily achieve parallel development in multiple areas. The rich functionality offered by many applications is primarily due to: 1. the low development threshold of Hypercore's developer code; 2. the high willingness to integrate with other protocols. In addition, major applications are competing mainly in terms of user experience/interface design and social brand building. The most promising representatives in the market include: #Basedapp Currently, Based App is the most popular and fastest-growing mobile trading front-end application in the market. In addition to offering perpetual contracts and spot trading, the platform also innovatively offers debit/credit card solutions directly connected to users' trading wallets, supporting payment needs in everyday scenarios. Its long-term goal is to transform into an emerging digital bank similar to Etherfi. #Mass.Money Following closely in the mobile trading front-end competition is Mass.money. Unlike its "Based App" platform, this platform focuses more on the Web2 retail user base, a positioning fully reflected in its product design: in addition to standard HL perpetual contracts and spot trading, it also integrates Apple Pay deposit channels, social copy trading functionality, access to DeFi money markets, and cross-chain EVM spot exchange, among other full-featured services. Its interface design deeply incorporates gamification elements, drawing heavily on the design language of Web2 consumer applications. However, due to their higher fee model and broader product portfolio, their revenue per user and transaction volume are significantly higher than BasedApp. #Dexari Following closely behind Mass.money is Dexari, a mobile trading front-end designed for professional traders, focusing purely on trading functionality. Key product features include HL perpetual contracts and spot trading, with a user experience and interface design focused on asset discovery, analytical tools, and execution efficiency. Their goal is to become the Axiom (professional trading benchmark) of mobile trading front-ends. #Supercexy Last but not least, Supercexy. This platform has opted for a purely mobile-first approach and is also optimizing its web-based perpetual contract DEX trading experience, aiming to provide a CEX-like experience, but built entirely on Hyperliquid infrastructure. With DeFi staking and money market access integrated into its product suite, the app primarily serves Web3-native traders. Comprehensive perspective Overall Overview Overall, the combined average daily revenue for all relevant mobile trading frontends (including some not mentioned here) is approximately $50,000, equivalent to approximately $1.5 million in monthly recurring revenue (MRR). These apps account for approximately 3%-6% of Hyperliquid's total perpetual contract volume. For reference, Hyperliquid's HLP vault accounts for approximately 5%. Hyperliquid Mobile Trading Front-End Revenue Summarize Core Viewpoint Cryptocurrency mobile trading frontends benefit from strong tailwinds from the Web2 crowd and retail activity The trend of hyper-speculativeness in society has fundamentally altered retail consumer behavior. As evidenced by the growth of Polymarket and Kalshi, most users in the current environment adopt high-risk strategies. With speculative demand at an all-time high, mobile trading apps are the product form most directly benefiting. As mentioned earlier, traditional financial mobile apps like Robinhood, Wealthsimple, and TD Ameritrade have seen significant increases in user growth and adoption, primarily due to their low barriers to entry and their willingness to promote short-term, highly leveraged, and gambling-like products. Clearly, retail users need easy ways to gain risk exposure and allocate capital, and mobile trading apps are the most logical solution. Mobile cryptocurrency trading apps are fundamentally no different and can similarly benefit from this consumer behavior if they effectively build discoverability. Robinhood, Wealthsimple, and Revolut, all integrating crypto products into their apps, are a testament to this. Despite charging significantly higher fees, these traditional financial apps have seen significant adoption of crypto products within their apps, demonstrating a strong demand among retail users for convenient mobile access to the crypto market. Without dedicated mobile crypto trading apps, the Web3 market will cede significant value capture opportunities to Web2 competitors. For the cryptocurrency market to achieve growth in scale and transaction volume, it needs to provide more crypto-native mobile applications for mainstream Web2 consumers. There has been virtually no new retail inflows since 2023. The total stablecoin market capitalization is only about 25% above its 2021 all-time high, a dismal four-year growth rate for any sector—and this is happening against the backdrop of the most favorable regulatory environment for stablecoins and strong presidential support for the crypto industry. The market needs solutions to attract new retail liquidity, but significant barriers to new retail capital entry remain unaddressed. The primary obstacles are: first, the public's perception of complex operational processes for participating in the crypto market; second, a lack of accessible applications that truly understand the needs of Web2 users. Web2 retail users don't use complex wallets or transfer funds across multiple chains. They need products packaged in a familiar format, offering easy onboarding and a user-friendly experience, similar to accounts like Robinhood or Wealthsimple. Cryptocurrency mobile trading front-ends are the solution—they package products in traditional financial formats familiar to Web2 users, fundamentally removing the cognitive barrier to entry and lowering the barrier to participation. This is the only effective way for cryptocurrencies to break through Web3 circles and gain mainstream exposure. A real revenue model with sustainable economies of scale and very low expansion costs compared to the Web3 business model Mobile cryptocurrency trading frontends mark the beginning of a new generation of applications in the Web3 market—a more sustainable and compliant path to development. Unlike previous traditional crypto products (whether infrastructure or DApps), most projects haven't focused on scaling or revenue generation because these weren't core incentives. Most founders' North Star metric was acquiring initial users at any cost, no matter how inefficient or extractive their growth funnels were. They then raised venture capital, locked up tokens through over-the-counter sales, or waited out vesting periods without improving their products. Typical examples include Story Protocol ($IP), Blast, and Sei Network ($SEI). Crypto mobile trading frontends take the opposite approach: leveraging existing infrastructure to optimize scale, generating revenue first and raising capital later. By acting as aggregators of diverse products and employing a base fee structure, these frontends possess the structural advantage of integrating across multiple verticals at minimal cost, while simultaneously focusing on the user experience interface to drive user acquisition and retention. This combination means revenue generation from day one, with continued exponential growth over time. The end result is a more sustainable, real-world commercial and value layer for Web3, replacing the extractive model of the past. This will bring growing credibility to the entire Web3 industry.

Author: PANews

2025/09/30

SG-FORGE Enters DeFi with New Stablecoins on Ethereum

SG-FORGE Enters DeFi with New Stablecoins on Ethereum

The post SG-FORGE Enters DeFi with New Stablecoins on Ethereum appeared on BitcoinEthereumNews.com. Key Points: SG-FORGE launches EURCV, USDCV stablecoins in DeFi markets. Enables 24/7 stablecoin lending and trading on Ethereum. Spot trading facilitated by Morpho and Uniswap protocols. On September 30, 2025, SG-FORGE deployed its Euro and Dollar stablecoins into DeFi, integrating with Ethereum-based Morpho and Uniswap protocols for lending and trading. This marks a significant step in blending traditional finance with decentralized finance, increasing the accessibility of regulated stablecoins in digital markets. SG-FORGE Leverages Ethereum for 24/7 Stablecoin Operations SG-FORGE has been pioneering regulated digital assets, and its latest step builds on past initiatives like its 2023 collaboration with MakerDAO. By deploying the Euro and Dollar stablecoins on the Morpho and Uniswap protocols, SG-FORGE aims to strengthen liquidity and trading capabilities. Stablecoins EURCV and USDCV on Uniswap have enhanced liquidity opportunities, facilitated by Flowdesk’s role as a market maker. MEV Capital manages asset collateral, including cryptocurrencies like ETH and BTC, reflecting innovation in fiat-backed trading. CEO Jean-Marc Stenger emphasized the firm’s commitment by stating: “The combination of Solana’s high-speed network and SG-FORGE’s reliable, secure stablecoin will unlock new possibilities for both retail users and institutional players in DeFi” – source. While broader crypto industry reactions remain cautious, there is significant interest in the implications for regulated DeFi growth. Did you know? In 2023, SG-FORGE set a precedent by borrowing DAI from MakerDAO with EU bond tokens, marking a significant TradFi and DeFi integration moment. Ethereum Trading Activity Bolstered by New SG-FORGE Stablecoins Did you know? In 2023, SG-FORGE set a precedent by borrowing DAI from MakerDAO with EU bond tokens, marking a significant TradFi and DeFi integration moment. Ethereum (ETH) maintained a market price of $4,177.14 and holds a substantial market cap of formatNumber(504193995246, 2). With a 24-hour trading volume of $40.52 billion, ETH showed a slight 1.34% increase in value…

Author: BitcoinEthereumNews

2025/09/30

Keel Launches on Solana to Deploy $2.5B in Sky Stablecoin Reserves

Keel Launches on Solana to Deploy $2.5B in Sky Stablecoin Reserves

TLDR Keel debuts as Sky’s third autonomous “star” unit with plans to deploy up to $2.5 billion into Solana-based DeFi and real-world asset markets The protocol receives dedicated allocation from Sky’s USDS stablecoin reserves to support Solana-native protocols including Kamino, Jupiter, and Raydium Sky ecosystem, formerly MakerDAO, operates USDS and DAI stablecoins with combined supply [...] The post Keel Launches on Solana to Deploy $2.5B in Sky Stablecoin Reserves appeared first on CoinCentral.

Author: Coincentral

2025/09/30

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What the Latest Massive BTC Inflows Signal for the Crypto Market?

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Schiff Warns ‘Affordability Crisis Will Get Worse’ as Trump Eyes Iran 25% Tariffs

Schiff Warns ‘Affordability Crisis Will Get Worse’ as Trump Eyes Iran 25% Tariffs

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Strategic Whale Accumulates $10M In Bold Crypto Investment

Strategic Whale Accumulates $10M In Bold Crypto Investment

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Startup competition Future Food Asia rebrands as Future Fit Asia for 10th anniversary

Startup competition Future Food Asia rebrands as Future Fit Asia for 10th anniversary

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