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Commodity Zero-Fee Gala

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.

15520 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Canaan Secures $72M Investment to Potentially Strengthen Bitcoin Ecosystem and AI Growth

Canaan Secures $72M Investment to Potentially Strengthen Bitcoin Ecosystem and AI Growth

The post Canaan Secures $72M Investment to Potentially Strengthen Bitcoin Ecosystem and AI Growth appeared on BitcoinEthereumNews.com. COINOTAG recommends • Exchange signup 💹 Trade with pro tools Fast execution, robust charts, clean risk controls. 👉 Open account → COINOTAG recommends • Exchange signup 🚀 Smooth orders, clear control Advanced order types and market depth in one view. 👉 Create account → COINOTAG recommends • Exchange signup 📈 Clarity in volatile markets Plan entries & exits, manage positions with discipline. 👉 Sign up → COINOTAG recommends • Exchange signup ⚡ Speed, depth, reliability Execute confidently when timing matters. 👉 Open account → COINOTAG recommends • Exchange signup 🧭 A focused workflow for traders Alerts, watchlists, and a repeatable process. 👉 Get started → COINOTAG recommends • Exchange signup ✅ Data‑driven decisions Focus on process—not noise. 👉 Sign up → Canaan Inc. has secured a $72 million strategic investment from BH Digital, a division of Brevan Howard, along with Galaxy Digital and Weiss Asset Management. This funding, acquired via American depository shares, bolsters the company’s position in Bitcoin mining and its expansion into AI-driven data centers, signaling strong institutional confidence in its long-term growth. The investment involves purchasing American depository shares representing 15 Class A common stocks each, without warrants or derivatives, highlighting trust in Canaan’s core operations. Canaan is pivoting toward high-return computing projects, including AI data centers, to diversify beyond traditional crypto mining. With 9.3 EH/s mining capacity and recent Nasdaq compliance, Canaan holds 1,582 BTC and operates eight data centers, positioning it as the 14th largest mining firm. Canaan Inc. secures $72M investment from BH Digital, Galaxy Digital, and Weiss Asset Management to fuel Bitcoin ecosystem growth and AI expansion. Discover how this boosts its mining and computing future—read more now. What is the significance of Canaan Inc.’s $72M investment? Canaan Inc.’s $72M investment from prominent firms like BH Digital, Galaxy Digital, and Weiss Asset Management…

Author: BitcoinEthereumNews

2025/11/05

The Cheapest Crypto Under $0.05 That Could 25x Next Year

The Cheapest Crypto Under $0.05 That Could 25x Next Year

Bitcoin and Ethereum are close to all-time highs, so most traders are currently seeking cheap tokens which can be profitable. The largest returns in a market cycle are normally observed in top crypto projects that have low entry price, true utility, and distinct developmental growth. One of such projects is Mutuum Finance (MUTM). It is […]

Author: Cryptopolitan

2025/11/05

The Butterfly Effect: Balancer Hijacked, Stream Finance Stablecoin xUSD De-pegged

The Butterfly Effect: Balancer Hijacked, Stream Finance Stablecoin xUSD De-pegged

Original author: Omer Goldberg, Chaos Labs Original translation: Deep Tide TechFlow Summarize Hours after the vulnerability attack on the multi-chain platform @Balancer caused widespread uncertainty in the DeFi field, @berachain urgently executed a hard fork, and @SonicLabs froze the attacker's wallet. Subsequently, the price of Stream Finance's xUSD stablecoin deviated significantly from its target range, exhibiting a clear de-pegging phenomenon. Long-standing problems resurface The long-standing controversy surrounding leverage, oracle construction, and the transparency of proof-of-reserves (PoR) has once again come into focus. This is a typical example of a "reflexive stress event" that we outlined in our article "The Black Box/Vault of DeFi" last Friday. What happened? /Background The Balancer v2 vulnerability has been exposed on multiple chains, and for a considerable period of time, it remains unclear which liquidity pools are affected and which networks or integration protocols are directly exposed to the risk. Capital panic in the information vacuum In the information vacuum, capital reacts as always: depositors scramble to withdraw liquidity from anywhere they believe they may be directly or indirectly affected, including Stream Finance. Controversy over lack of transparency Stream Finance does not currently maintain a full transparency dashboard or proof of reserve; however, it provides a link to the Debank Bundle to display its on-chain positions. However, these simple disclosures failed to clearly address the risk exposure issue after the vulnerability was exposed: the price of xUSD (Stream's overlay yield USD product) fell from the target price of $1.26 to $1.15, and has now rebounded to $1.20, while users reported that withdrawals were suspended. Risks and Controversies of Stream Finance Stream is an on-chain capital allocation platform that uses user funds to run high-return, high-risk investment strategies. Its portfolio construction employs significant leverage, making the system more resilient under stress. However, the protocol has recently come under public scrutiny due to controversy surrounding its recursive loop/minting mechanism. While the current situation does not directly indicate a liquidity crisis, it reveals the market's high sensitivity. When negative news emerges and confidence is questioned, the shift from "maybe it's okay" to "redeem immediately" is often very rapid. xUSD is used as collateral and is distributed across Curated Markets on multiple chains, including Euler, Morpho, and Silo, which cover ecosystems such as Plasma, Arbitrum, and Plume. The protocol itself has significant risk exposure in these markets, the largest of which was an $84 million USDT loan secured by xUSD on Plasma. Collateral Mechanism and Risk Buffer When the market price of xUSD falls below its book value, the related positions are not immediately liquidated. This is because many markets do not link the value of the collateral to the spot AMM (Automated Market Maker) price, but instead rely on hard-coded or "underlying value" price feeds that track the reported asset backing rather than the current secondary market price. During calm periods, this design can mitigate tail risk liquidation caused by short-term volatility, especially in stable products. This is one of the reasons why DeFi protocols outperformed centralized platforms during the liquidation wave on October 10th. However, this design could also quickly turn price discovery into trust discovery: choosing a base (or hard-coded) oracle requires thorough due diligence, including the authenticity, stability, and risk characteristics of the asset backing. In short, this mechanism only applies if there is a comprehensive proof of reserve and redemption can be completed within a reasonable timeframe. Otherwise, the risk lies in the possibility that lenders or depositors may ultimately bear the consequences of bad debts. Stress testing on Arbitrum Taking Arbitrum as an example, the current market price on the MEV Capital Curated xUSD Morpho Market is below the LLTV (Minimum Lending-to-Value Ratio). If the xUSD peg price fails to recover, the market could deteriorate further with utilization reaching 100% and lending rates soaring to 88%. We are not against basic oracles; on the contrary, they play a crucial role in preventing unfair liquidations caused by short-term volatility. Similarly, we are not against tokenized or even centralized yield-generating assets. However, we advocate for basic transparency and modern, systematic, and professional risk management when deploying money markets around these assets. Curated markets can be engines of responsible growth, but they should not become a race to the top where safety and rationality are sacrificed in pursuit of high returns. If the structure is complex and prone to a "domino effect," then its collapse should not be surprising when the first gust of wind blows. As the industry becomes more specialized and some revenue-generating products become more structured (though potentially more obscure for end users), stakeholders must raise their standards. While we hope to eventually resolve the issue properly for affected users, this incident should serve as a wake-up call for the entire industry.

Author: PANews

2025/11/05

$284M In DeFi Loans And Stablecoin Risk Traced To Stream Finance

$284M In DeFi Loans And Stablecoin Risk Traced To Stream Finance

The post $284M In DeFi Loans And Stablecoin Risk Traced To Stream Finance appeared on BitcoinEthereumNews.com. Decentralized finance (DeFi) researchers mapped out more than $284 million in stablecoin exposure and outstanding loans linked to Stream Finance, following the protocol’s collapse.  On Tuesday, a detailed post by DeFi group Yields and More (YAM) flagged dozens of lending markets and vaults, including platforms Euler, Silo, Morpho and Gearbox, that held positions connected to Stream’s synthetic assets, which include xUSD, xBTC and xETH.  The data highlighted the extent of the fallout. Exposure loops involving Elixir’s deUSD, Treeve’s scUSD and other assets suggested that at least $284.9 million in overall debt is owed to lenders across various markets. This excludes indirect exposure via secondary vaults and other lending strategies.  According to the post, DeFi funds and curators included TelosC, Elixir, MEV Capital, Varlamore and Re7 Labs. The post showed that TelosC has about $123 million in material exposure, while Elixir lent $68 million to Stream, which is estimated to be 65% of its stablecoin backing.  Source: Elixir YAM said more vaults and stables were “likely affected”  Elixir claimed to have contractual redemption rights at $1 per deUSD. However, Stream Finance reportedly said that the repayment must wait until lawyers determine “who is owed what.” The findings reinforce existing concerns about transparency in the DeFi ecosystem’s high-yield infrastructures. The protocols involved had layered exposures through lending markets and derivative stablecoins, making it difficult to pinpoint who ultimately bears the losses.  “This is not an extensive list; there likely are more stables/vaults affected, and the information presented here is not guaranteed to be accurate,” YAM wrote.  Related: Crypto sentiment nosedives to ‘extreme fear’ as Bitcoin drops under $106K Stream Finance’s $93 million loss  The exposure map follows Stream Finance’s announcement that it had paused deposits and withdrawals after finding a $93 million loss attributed to an external fund manager.  The project stated…

Author: BitcoinEthereumNews

2025/11/05

AAVE: Will the $50mln buyback plan repeat the 50% price surge?

AAVE: Will the $50mln buyback plan repeat the 50% price surge?

The post AAVE: Will the $50mln buyback plan repeat the 50% price surge? appeared on BitcoinEthereumNews.com. Key Takeaways  Why has Aave made token buyback official? The team said that the trial initiative was a “strong success” in improving AAVE value accrual.  Will it lift the token above $200 again?  Yes, under a positive, broader market sentiment, the deflation plan could boost AAVE in the long run. DeFi lending giant Aave [AAVE], has unanimously approved the creation of a $50 million per year buyback program. The move followed what the project called a “strong success” after a pilot test initiated in May, designed to improve the tokenomics of the AAVE token.  According to the plan, the team would eye $250K-$1.75 million in weekly AAVE purchases, based on protocol revenue and other factors.  Source: Aave DAO There are two additional steps before the proposal can be enforced. That being said, AMBCrypto evaluated the pilot test to gauge the potential impact of the latest update.  AAVE buybacks and potential impact Since May, the initiative has bought over 94K AAVE tokens and spent over $22 million in the process. The team added 20.1K AAVE in May, marking the largest monthly purchase during the trial program.  Source: Blockworks During the same month, AAVE posted price gains of over 50%, partly influenced by the broader recovery in Q2. From July to October, the team acquired about 10K AAVE on a monthly average.  The deflation move and broader recovery lifted AAVE to $385 by August. However, Q4 headwinds dragged AAVE below $200 despite the ongoing buyback.  Beyond deflation and market sentiment, AAVE’s value also has a strong positive correlation with Ethereum [ETH].  ETH correlation drives AAVE swings Source: Blockworks The chart showed that during ETH rallies, AAVE pumped even harder. However, during pullbacks, AAVE also dumped harder.  As the barometer of the broader DeFi ecosystem, ETH’s momentum also trickles down to the sector’s…

Author: BitcoinEthereumNews

2025/11/05

Aave Approves $50M Annual AAVE Buyback: Potential Long-Term Price Boost Amid Pressures

Aave Approves $50M Annual AAVE Buyback: Potential Long-Term Price Boost Amid Pressures

The post Aave Approves $50M Annual AAVE Buyback: Potential Long-Term Price Boost Amid Pressures appeared on BitcoinEthereumNews.com. COINOTAG recommends • Exchange signup 💹 Trade with pro tools Fast execution, robust charts, clean risk controls. 👉 Open account → COINOTAG recommends • Exchange signup 🚀 Smooth orders, clear control Advanced order types and market depth in one view. 👉 Create account → COINOTAG recommends • Exchange signup 📈 Clarity in volatile markets Plan entries & exits, manage positions with discipline. 👉 Sign up → COINOTAG recommends • Exchange signup ⚡ Speed, depth, reliability Execute confidently when timing matters. 👉 Open account → COINOTAG recommends • Exchange signup 🧭 A focused workflow for traders Alerts, watchlists, and a repeatable process. 👉 Get started → COINOTAG recommends • Exchange signup ✅ Data‑driven decisions Focus on process—not noise. 👉 Sign up → Aave’s AAVE token buyback program, approved unanimously by the DAO, allocates $50 million annually to repurchase tokens, building on a successful pilot that acquired over 94,000 AAVE for more than $22 million since May 2025. This deflationary strategy aims to enhance token value accrual amid DeFi market dynamics. Aave DAO approves $50 million yearly buyback to boost AAVE tokenomics. Pilot program repurchased 94,000+ AAVE tokens, spending over $22 million. AAVE price reached $385 in August 2025 but fell below $200 due to Q4 market pressures; strong Ethereum correlation influences swings. Discover Aave’s AAVE token buyback program details, pilot results, and market impacts in this 2025 update. Learn how deflationary measures could drive long-term value—explore DeFi strategies today. What is Aave’s AAVE token buyback program? Aave’s AAVE token buyback program is a DAO-approved initiative to allocate $50 million annually for repurchasing AAVE tokens, aimed at improving token value accrual through deflationary mechanics. Launched after a successful pilot in May 2025, the program involves weekly purchases ranging from $250,000 to $1.75 million, depending on protocol revenue and market conditions. This structured…

Author: BitcoinEthereumNews

2025/11/05

Nasdaq CEO Outlines 3 Ways Blockchain Can Fix Finance

Nasdaq CEO Outlines 3 Ways Blockchain Can Fix Finance

The post Nasdaq CEO Outlines 3 Ways Blockchain Can Fix Finance appeared on BitcoinEthereumNews.com. Nasdaq CEO Adena Friedman sees blockchain reshaping the traditional financial system in three key ways: by overhauling post-trade infrastructure, unlocking trapped capital through better collateral mobility and enabling faster, more seamless payments. “There’s just so much capital trapped, whether it’s in clearinghouses or clearing brokers,” Friedman said during a discussion with Ripple President Monica Long at the Swell conference in New York on Tuesday. “If we do it right, we can actually make that an opportunity to deliver more capital to the system.” Post-trade processes — the systems that finalize and settle securities transactions — remain deeply fragmented and often rely on decades-old infrastructure. Friedman noted that while some complexity is intentional, often for reasons like risk management or allocation tracking, much of the friction is unnecessary. She believes blockchain could help unify and streamline those workflows, cutting down on inefficiencies that tie up capital and slow down financial activity. The second major opportunity lies in improving how financial institutions move and manage collateral — the assets pledged in trading and lending transactions to mitigate risk. According to Friedman, digital assets could make it easier to transfer collateral quickly across platforms and borders. “What we really love about the idea of digital assets is being able to move that collateral,” she said. “We can create a collateral mobility effort and … free a lot of capital.” Payments are the third area ripe for change. While Nasdaq doesn’t operate in the payments sector, Friedman emphasized that smoother, more efficient payment systems are key to allowing investors to participate in global markets without friction. She described today’s payment infrastructure as a bottleneck, slowing down the flow of capital. If those systems could be improved or rebuilt using blockchain, she said, it could unlock significant amounts of capital currently tied up in outdated…

Author: BitcoinEthereumNews

2025/11/05

CaaS: The "SaaS Moment" for Blockchain

CaaS: The "SaaS Moment" for Blockchain

Source: VeradiVerdict Compiled by: Zhou, ChainCatcher Summary Crypto as a Service (CaaS) is the "Software as a Service (SaaS) era" in the blockchain space. Banks and fintech companies no longer need to build crypto infrastructure from scratch. They can simply connect to APIs and white-label platforms to launch digital asset functionality within days or weeks, instead of the years that used to take. ( Note: White-labeling essentially involves one party providing a product or technology, while another party brands it for sale or operation. In the finance/crypto field, this refers to banks or exchanges using third-party trading systems, wallets, or payment gateways and then rebranding them.) Mainstream markets are accelerating adoption through three channels. Banks are partnering with custodians like Coinbase, Anchorage, and BitGo while actively exploring tokenized assets; fintech companies are issuing their own stablecoins using platforms like M^0; and payment processors such as Western Union (with $300 billion in annual transactions) and Zelle (with over $1 trillion in annual transactions) are now integrating stablecoins to enable instant, low-cost cross-border settlements. Crypto as a Service (CaaS) isn't actually that complicated. Essentially, it's Software as a Service (SaaS) based on cryptocurrency, making it a hundred times easier for institutions and businesses to integrate into the cryptocurrency space. Banks, fintech companies, and enterprises no longer need to painstakingly build internal cryptocurrency functionality. Instead, they can simply plug and play, deploying within days using proven APIs and white-label platforms. Businesses can focus on their customers without worrying about the complexities of blockchain. They can leverage existing infrastructure to participate in cryptocurrency transactions more efficiently and cost-effectively. In other words, they can easily and seamlessly integrate into the digital asset ecosystem. CaaS is poised for exponential growth. CaaS is a cloud-based business model and infrastructure solution that enables businesses, fintech companies, and developers to integrate cryptocurrency and blockchain functionality into their operations without having to build or maintain the underlying technology from scratch. CaaS provides ready-to-use, scalable services, typically delivered via APIs or white-label platforms, such as crypto wallets, trading engines, payment gateways, asset storage, custody, and compliance tools. This allows businesses to quickly offer digital asset functionality under their own brand, reducing development costs, time, and required technical expertise. Like other "as-a-service" offerings, this model allows businesses of all sizes, from startups to established companies, to participate in a cost-effective manner. In September 2025, Coinbase Institutional listed CaaS as one of its biggest growth areas. Since 2013, Pantera Capital has been committed to driving the development of CaaS through investment. We strategically invest in infrastructure, tools, and technology to ensure that CaaS can operate at scale. By accelerating the development of backend fund management, custody, and wallets, we have significantly enhanced the service tier of CaaS. Advantages of CaaS By using CaaS to transparently integrate encryption capabilities into their systems, enterprises can achieve numerous strategic and operational advantages more quickly and cost-effectively. These advantages include: One-stop integration and seamless embedding : The CaaS platform eliminates the need for custom development cycles, enabling teams to activate features in days rather than months. Flexible profit models : Businesses can choose a subscription-based fixed-price model for predictable costs, or a pay-as-you-go billing model to keep expenses in line with revenue. Either approach avoids large upfront capital investments. Outsourcing blockchain complexity : Enterprises can offload technical management while benefiting from a powerful enterprise-grade backend, ensuring near-perfect uptime, real-time monitoring, and automatic failover. Developer-friendly APIs and SDKs : Developers can embed wallet creation and key management functions, smoothly handle on-chain settlements, trigger smart contract interactions, and create a comprehensive sandbox environment. White-label branding and an intuitive interface : The CaaS solution is easy to customize, enabling non-technical teams to configure free infrastructure, supported assets, and user onboarding processes. Other value-added features : Leading providers bundle ancillary services together, such as fraud detection based on on-chain analytics; automated tax filing; multi-signature fund management; and cross-chain bridging for asset interoperability. These characteristics transform cryptocurrency from a technological novelty into a revenue-generating product line while maintaining a focus on core business capabilities. Three core use cases We believe the world is rapidly evolving towards a cryptocurrency-native environment, with individuals and businesses interacting more frequently with digital assets. This shift is driven by increasing user acceptance of blockchain wallets, decentralized applications, and on-chain transactions, which in turn benefits from continuously improving user interfaces, abundant educational resources, and practical application value. However, for cryptocurrencies to truly integrate into the mainstream and achieve widespread adoption, a strong and seamless bridge must be built to bridge the gap between traditional finance (TradFi) and decentralized finance (DeFi). Institutions seek the advantages of cryptocurrencies (speed, programmability, and global accessibility) while relying on trustworthy intermediaries to manage their underlying complexities: tools, security, technology stack, and liquidity provision. Ultimately, this ecosystem integration could gradually bring billions of users onto the blockchain. Use Case 1: Bank Banks are increasingly partnering with regulated cryptocurrency custodians such as Coinbase Custody, Anchorage Digital, and BitGo to provide institutional-grade custody, insured storage, and seamless spot trading services for digital assets like Bitcoin and Ethereum. These foundational services—custody, execution, and basic lending—represent the most readily achievable aspects of cryptocurrency integration, enabling banks to easily embrace customers without forcing them out of the traditional banking system. Beyond these fundamental elements, banks can leverage decentralized finance (DeFi) protocols to generate competitive returns from idle treasury assets or customer deposits. For example, they can deploy stablecoins into permissionless lending markets (such as Morpho, Aave, or Compound) or liquidity pools of automated market makers (AMMs) like Uniswap to obtain real-time, transparent returns that typically outperform traditional fixed-income products. The tokenization of Real-World Assets (RWAs) presents transformative opportunities. Banks can initiate and distribute on-chain versions of traditional securities (e.g., tokenized U.S. Treasury bonds, corporate bonds, private credit, or even real estate funds issued through BlackRock's BUIDL fund), bringing off-chain value to public blockchains like Ethereum, Polygon, or Base. These RWAs can then be traded peer-to-peer through DeFi protocols such as Morpho (for optimizing lending), Pendle (for yield sharing), or Centrifuge (for private credit pools), while ensuring KYC/AML compliance through whitelisted wallets or institutional vaults. RWAs can also serve as high-quality collateral in the DeFi lending market. Crucially, banks can offer seamless stablecoin access without losing customers. Through embedded wallets or custodial sub-accounts, customers can hold USDC, USDT, or FDIC-insured digital dollars directly within the bank's app (for payments, remittances, or yield-generating investments) without leaving the bank's ecosystem. This "walled garden" model resembles a new bank but with regulated trust. Looking ahead, major banks may form alliances to issue branded stablecoins backed 1:1 by centralized reserves. These stablecoins could be settled instantly on public blockchains while complying with regulatory requirements, thus connecting traditional finance with programmable money. If a bank views blockchain as infrastructure, rather than an accessory tool, it is likely to capture the next trillion dollars in value. Use Case 2: Fintech Companies and New Types of Banks Fintech companies and new-age banks are rapidly integrating cryptocurrencies into their core offerings through strategic partnerships with established platforms such as Robinhood, Revolut, and Webull. These collaborations enable seamless use and secure custody of digital assets, while providing instant trading of tokenized versions of traditional stocks, effectively bridging the gap between traditional finance and blockchain-based markets. Beyond partnerships, fintech companies can leverage professional service providers like Alchemy to build and launch their own blockchain infrastructure. Alchemy, a leader in blockchain development platforms, offers scalable node infrastructure, enhanced APIs, and developer tools that simplify the creation of custom Layer-1 or Layer-2 networks. This allows fintech companies to tailor blockchains for specific use cases, such as high-throughput payments, decentralized authentication, or RWA (Risk Weighted Authorization), while ensuring compliance with evolving regulatory requirements and optimizing for low latency and cost-effectiveness. Fintech companies can further deepen their involvement in the cryptocurrency space by issuing their own stablecoins and leveraging decentralized protocols on platforms like M^0 to mint yielding, fungible stablecoins backed by high-quality collateral such as US Treasury bonds. By adopting this model, fintech companies can mint their own tokens on demand, maintain full control over the underlying economic mechanisms (including interest accumulation and redemption mechanisms), ensure regulatory compliance through transparent on-chain reserves, and participate in co-governance through decentralized autonomous organizations (DAOs). Furthermore, they can benefit from enhanced liquidity pools on major exchanges and DeFi protocols, reducing fragmentation and increasing user adoption. This approach not only creates new revenue streams but also positions fintech companies as innovators in the field of programmable money and fosters customer loyalty in the competitive digital economy. Use Case 3: Payment Processor Payment companies are building stablecoin "sandwiches": a multi-tiered cross-border settlement system that receives fiat currency at one end and exports instant, low-cost liquidity in another jurisdiction, while minimizing foreign exchange spreads, intermediary fees, and settlement delays. The components of the "sandwich" include: Top Slice (Entry Point) : US customers send US dollars to payment providers such as Stripe, Circle, Ripple, or newer banks like Mercury. Filling (minting) : US dollars are immediately exchanged at a 1:1 ratio for regulated stablecoins—usually USDC (Circle), USDP (Paxos), or bank-issued digital dollars. Bottom Slice (Export) : Stablecoins are bridged or exchanged for local currency stablecoins—for example, aARS (pegged to the Argentine peso), BRLA (Brazil), or MXNA (Mexico)—or become central bank digital currency pilot projects directly (for example, Drex in Brazil). Settlement : Funds arrive in local bank accounts, mobile wallets or merchant payments on a T+0 (instant) basis, with total costs typically below 0.1%, compared to 3-7% through SWIFT + agent banks. Western Union, a 175-year-old remittance giant that processes over $300 billion in remittances annually, recently announced the integration of stablecoins into its ecosystem. Pantera Capital CEO Devin McGranahan stated in July 2025 that the company had historically been "cautious" about cryptocurrencies, concerned about their volatility and regulatory issues. However, the enactment of the Genius Act has changed this. “As the rules become clearer, we see a real opportunity to integrate digital assets into our business,” McGranahan said on the Q3 2025 earnings call. The result: Western Union is currently actively testing stablecoin solutions for Treasury settlements and customer payments, leveraging blockchain technology to eliminate the cumbersome processes of correspondent banking. Zelle, a bank-backed peer-to-peer payment giant (part of Early Warning Services, a consortium of JPMorgan Chase, Bank of America, Wells Fargo, and others), facilitates over $1 trillion in fee-free transfers annually within the United States via simple phone numbers or email addresses, currently boasting over 2,300 partner institutions and 150 million users. However, cross-border payments have been a previous challenge. On October 24, 2025, Early Warning announced a stablecoin plan aimed at bringing Zelle to the international market, offering "the same speed and reliability" overseas. As banks, fintech/new banks, and payment processors integrate cryptocurrencies in an intuitive, plug-and-play, and compliant manner (with as few regulators as possible), they can continue to expand their global reach and strengthen relationships. in conclusion CaaS is not hype—it represents a revolution in infrastructure that makes cryptocurrencies invisible to end users. Just as people don't think of AWS when watching Netflix or Salesforce when checking a CRM, consumers and businesses won't think of blockchain when making instant cross-border payments or accessing tokenized assets. The winners of this revolution are not companies that add cryptocurrencies as an afterthought to traditional systems, but rather institutions and enterprises that see blockchain as infrastructure, and the investors who support the underlying technology that underpins it all.

Author: PANews

2025/11/05

Silo DAO will take legal action against Stream Finance to recover outstanding loans and redeemed funds from xUSD and xBTC.

Silo DAO will take legal action against Stream Finance to recover outstanding loans and redeemed funds from xUSD and xBTC.

PANews reported on November 5th that, according to an official announcement from Silo Labs, the decentralized lending protocol Silo DAO is preparing to take legal action against Stream Finance for failing to repay loans and redeem xUSD and xBTC. This incident has resulted in some borrowers being unable to recover their funds. Silo DAO stated that this action aims not only to recover funds but also to set a precedent for protecting lenders' rights in the DeFi space. The next steps include collecting lender information and balances, coordinating with legal counsel, transparently sharing legal costs, and seeking to maximize repayment and distribute it proportionally. Silo DAO emphasized that smart contracts cannot fully protect lenders' rights, and legal means are a necessary supplement. According to previous reports, analysts said that Stream Finance's $93 million loss could result in a risk exposure of more than $285 million .

Author: PANews

2025/11/05

The Ultimate Checklist for Launching Your Custom Memecoin in 2026

The Ultimate Checklist for Launching Your Custom Memecoin in 2026

Memecoins have evolved far beyond viral internet jokes. What started as light-hearted experiments like Dogecoin or Shiba Inu has transformed into a serious market segment that commands billions in market capitalization. As of early 2025, the combined value of leading memecoins has surpassed $60 billion, reflecting a 400% increase from two years ago. This explosive growth isn’t just about speculation anymoreit’s about community culture, shared humor, and decentralized participation driving real digital economies. In this era, memecoins aren’t merely entertainment tokens; they represent community ownership, social engagement, and brand-driven creativity inside Web3. 2026 marks a golden window for launching your own custom memecoin. The infrastructure is more robust than everwith no-code token generators, instant DEX listings, and decentralized launchpads simplifying what once took months. On top of that, a new wave of investors and creators are seeking fun, story-driven tokens that also deliver transparency and long-term engagement. Whether you’re a developer, brand, or crypto enthusiast, this checklist walks you through everything you need from defining your concept and tokenomics to marketing, compliance, and sustainability to make your custom memecoin stand out in 2025’s booming crypto scene. Table of Contents ∘ Define Your Vision and Theme ∘ Pick the Right Blockchain and Tech Stack ∘ Design Strong Tokenomics ∘ Build Pre-Launch Hype and Community ∘ Execute a Seamless Launch ∘ Ensure Post-Launch Growth and Longevity ∘ Stay Compliant and Transparent ∘ Conclusion Define Your Vision and Theme Before you even touch a line of code or open a token generator, you need a clear vision. Every successful memecoin begins with a story that captures attention, humor, and emotion. Your concept is the soul of your coin, it’s what makes people care enough to buy, share, and meme it into existence. In 2025, with over 10,000 new tokens launched monthly, the ones that stand out have more than funny namesthey have a cultural spark that resonates with a loyal community. Launch your custom memecoin in 2025 with strategy, community, and long-term impact. Choose a Memorable ConceptYour concept sets the tone for everything marketing, branding, and community engagement. Think about what makes people laugh, relate, or feel included. Whether it’s inspired by internet culture, a trending meme, or a parody of serious crypto projects, the idea should connect instantly. Pick something that feels alive in online spacesReddit threads, Twitter memes, or niche Discord servers. The goal? To build something people don’t just trade but talk about. Establish Brand IdentityA strong brand identity turns your token from “just another coin” into a movement. Choose a catchy name and ticker that rolls off the tongue something that can go viral as a hashtag or meme caption. Design a simple yet iconic logo and choose colors that pop in feeds and profile pictures. You can even create a mascot or 3D character to represent your token’s personality. Visuals fuel viralityso make your design recognizable at a glance. Set Purpose and GoalsEvery memecoin needs a “why.” Is it purely for fun? A community challenge? A long-term ecosystem with staking or NFT tie-ins? Clarity here builds credibility. Outline short-term goals like your launch strategy, exchange listings, and initial community size and long-term goals such as partnerships, utilities, or DAO governance. Setting clear intentions helps prevent your project from being labeled another pump-and-dump and instead positions it as a sustainable, purpose-driven coin that can thrive in the 2025 crypto landscape. Pick the Right Blockchain and Tech Stack Once you’ve nailed your concept, it’s time to bring your memecoin to life with the right technical foundation. The blockchain you choose will determine your coin’s transaction costs, scalability, and visibilityall of which directly impact community growth and adoption. In 2026, launching a token has never been easier, but choosing where and how to build it can make or break your project’s success. A solid tech stack ensures your memecoin runs smoothly, trades seamlessly, and stays secure even under heavy demand. Choose Your Chain WiselyYour blockchain is the home of your memecoin, so pick it like you’d pick a real estate location with growth, accessibility, and cost in mind. Each chain offers unique advantages: Ethereum: The OG of smart contracts highly trusted, but gas fees can spike during peak hours. BNB Chain: Lower transaction fees and vast DeFi exposure, ideal for community-driven tokens. Solana: Lightning-fast transactions and low costs, perfect for viral trading and NFT integrations. Polygon: Great for scalability and multi-chain compatibility. Base: Coinbase-backed and gaining traction for safe, retail-friendly launches. Compare speed, gas efficiency, and ecosystem strength. For memecoins aiming for mass participation, transaction cost matters as much as the meme itself. If your holders spend more in gas than they do on the coin, your virality dies early. Pick a chain that matches your audience’s vibe Solana for fast movers, Ethereum for credibility, or BNB Chain for accessibility. Smart Contract SetupYour smart contract is the backbone of your memecoin. It defines supply, functions, and transparency. Whether you’re coding from scratch using Solidity or Rust, or using a no-code token generator, ensure your contract is auditable and tamper-proof. Security builds trustand in 2025’s cautious market, that’s everything.Here are key smart contract features worth adding: Burn and Mint Functions — Control supply and scarcity dynamically. Anti-Bot and Anti-Whale Protection — Prevent unfair trades and pump-and-dump events. Liquidity Locking — Reassure your community that you’re not rug-pulling. Ownership Renouncement or Multi-Sig Controls — Add governance transparency. A quick audit from a verified firm or open-source review on platforms like GitHub can enhance investor confidence before your launch. Remember trust is the new meme. Wallets and InfrastructureBefore going live, set up a clean wallet infrastructure that separates development, marketing, and treasury operations. This prevents confusion and maintains fund transparency. Use one wallet strictly for deploying the contract, another for marketing and giveaways, and a secure, multi-signature wallet for treasury and liquidity reserves.Test everythingfrom token transfers to staking (if applicable)in a testnet environment before mainnet deployment. Simulate real trading conditions to catch bugs early. Also, make sure your holders have access to compatible wallets (like MetaMask, Phantom, or Trust Wallet) for seamless interaction. A flawless transaction experience on day one sets the tone for long-term adoption. Design Strong Tokenomics Tokenomics isn’t just about numbers, it’s about building trust, sustainability, and excitement around your memecoin. In 2025, investors have grown smarter. They don’t just buy for hype; they look for fair launches, transparent allocation, and clear value flow. Strong tokenomics gives your memecoin structure and purpose making it more than just a viral trend. It determines how your token circulates, who benefits, and how long your community stays engaged. Define Supply and AllocationYour supply strategy defines the DNA of your memecoin. Whether you go with a capped supply (like 1 billion tokens) or a hyper-deflationary model with burns, it should fit your project’s vibe. If scarcity drives your meme’s narrative, a limited supply makes sense. If your goal is accessibility and community reach, a larger supply can fuel more engagement. Now, let’s talk distribution because fairness fuels trust. Allocate your tokens wisely across categories such as: Community and Airdrops (40–50%) — Reward early supporters and viral participants. Liquidity Pool (15–25%) — Keep markets stable and trading smooth. Marketing and Ecosystem Growth (10–15%) — Fund influencer pushes, contests, and partnerships. Team and Advisors (5–10%) — Reward the builders while maintaining transparency. The key is balance. Over-allocating to the team or marketing wallet can trigger skepticism. Make your token distribution public and verifiable that’s how you build credibility from day one. Create Vesting and Locking MechanismsNothing kills community confidence faster than sudden dumps from insiders. A smart vesting plan ensures that founders and early investors can’t cash out too soon. Typically, team tokens are locked for 6–12 months, then released gradually over time. This signals long-term commitment and shows you’re in it for the visionnot the quick gains.You should also lock liquidity for a fixed duration through trusted protocols. This prevents “rug-pull” fears and reassures traders that their investments are safe. Add multi-signature access for treasury funds to strengthen governance and transparency. In memecoin culture, trust is the real currency and vesting mechanisms are how you earn it. Utility and RewardsEven though memecoins thrive on humor, adding real utility can extend their lifespan. A coin that does something stands out from the flood of copycats. Think about what value your holders get besides price action: Staking Rewards — Let users earn yield for holding or locking tokens. NFT Integration — Combine memes with collectible art drops or access tokens. Governance Features — Allow holders to vote on decisions or new utilities. In-Game or Social Rewards — Reward activity, engagement, or creative contributions. To sustain long-term value, introduce token sinks mechanisms that reduce circulating supply, like burns, upgrade fees, or exclusive buy-ins. This keeps your token’s demand higher than supply, maintaining excitement and price stability. Build Pre-Launch Hype and Community Before your memecoin hits the blockchain, it needs to hit the internet. The pre-launch phase is where your token’s identity turns into a movementwhere memes, hype, and curiosity come together to create demand before trading even begins. In 2025, no memecoin succeeds without a strong online community. It’s not just about posting links; it’s about storytelling, excitement, and giving people a reason to belong. The bigger and more engaged your community is at launch, the faster your project takes off. Create Your Digital PresenceYour digital presence is your coin’s first impressionmake it count. Start by launching an official website that’s clean, fast, and loaded with essential info: token details, roadmap, and whitepaper. Think of it as your coin’s digital home where potential investors and meme lovers can instantly grasp your project’s personality and vision.Next, set up social profiles across all major platformsX (Twitter), Telegram, and Discord are non-negotiable. Consistency is key: use the same name, logo, and tone everywhere. This makes your brand recognizable and builds trust. If possible, include a linktree or single hub that connects all your channels.And don’t forget your whitepaper or one-pagerkeep it short, clear, and visually appealing. You’re not pitching a DeFi protocol here; you’re inviting people into a culture. Use humor, energy, and clarity to make readers feel like they’re part of something viral before it even launches. Community Engagement StrategyThe heart of every successful memecoin lies in its community. Building engagement means transforming followers into fansand fans into holders. Here’s how you make it happen: Meme Contests: Let your community flex its creativity. Offer small rewards for the funniest or most viral memes about your token. Whitelists & Giveaways: Reward early believers with token spots or NFT airdrops. Scarcity and exclusivity drive excitement. AMAs (Ask Me Anything): Host transparent Q&A sessions on Telegram, X Spaces, or Discord to build credibility. Teasers & Countdowns: Drop sneak peeks, inside jokes, and playful hints as launch day approaches. The key is to make participation fun, not forced. Encourage users to share, react, and co-create content. A meme that spreads organically does more than paid ads ever could. By launch day, your followers shouldn’t just be waiting they should be rooting for your coin to moon. Influencer and KOL MarketingLet’s face it in 2026, influencers are the rocket fuel of memecoin launches. Partnering with credible Web3 creators, YouTubers, or meme accounts can multiply your visibility overnight. But here’s the catch: authenticity wins. Pick influencers who genuinely match your project’s humor, energy, and values.Work with KOLs (Key Opinion Leaders) to share your story through viral threads, memes, and short-form videos. Instead of traditional ads, focus on creative storytellinglike a meme evolution series, “how it started vs. how it’s going,” or parody posts about your coin.You can also organize cross-promotions with NFT projects or other tokens, tapping into existing audiences that align with your meme culture. The trick is to make your launch feel like an event everyone wants to talk aboutnot a paid campaign. When influencers and communities rally behind your coin organically, the hype becomes self-sustaining. Execute a Seamless Launch The moment of truthyour memecoin is ready to go live. This is where months of preparation meet the excitement of execution. A flawless launch isn’t just about flipping a switch; it’s about ensuring every piecefrom your contract to your communityruns like clockwork. A smooth, transparent, and exciting launch builds instant trust and helps your project stand out in a sea of new tokens hitting the blockchain daily. Let’s break down how to make your memecoin launch as seamless as it is viral. Token DeploymentDeploying your token is your official entry into the blockchain world. Before you go live, double-check every detail in your smart contractfrom supply numbers to tax functionsbecause one overlooked line of code can create chaos later. Once verified, publish your contract on-chain through a trusted explorer like Etherscan, BscScan, or Solscan so users can view it transparently. Verification isn’t optional; it’s how you prove your project’s legitimacy. Next, add liquidity pools on your chosen DEX, whether it’s Uniswap, PancakeSwap, or Raydium. Liquidity ensures your holders can buy and sell without slippage nightmares. Consider locking part of that liquidity for a set period (like 6–12 months) to signal commitment and prevent rug-pull fears. The goal is simple: make it easy, safe, and seamless for anyone to trade your memecoin the second it launches. Exchange Listing and VisibilityOnce your token is live, it’s time to spread it across the crypto universe. Start by listing your memecoin on decentralized exchanges (DEXs) where users can trade freely. Later, aim for smaller centralized exchanges (CEXs) to boost exposurethese listings often bring credibility and higher liquidity.Right after launch, get your coin tracked on CoinMarketCap and CoinGecko. These platforms serve as discovery enginesappearing there instantly increases visibility among traders and analysts. Don’t forget your secret weapon: your community. Encourage holders to share their trades, post memes, and celebrate milestones across social platforms. Every tweet, meme, and post contributes to the viral loop that defines successful memecoins. Initial Post-Launch Events Your launch doesn’t end at deploymentit starts there. Keep momentum alive with a series of high-energy post-launch events that keep your community buzzing. Host AMAs (Ask Me Anything): Let your founders and developers interact directly with the community. Transparency builds loyalty. Run Airdrops or Giveaways: Reward your early holders and active members to encourage participation. Launch Limited NFT Collections: Connect your token to art or meme-based NFTs that reinforce your brand’s humor and culture. Leaderboard Campaigns: Recognize your most active users or top meme creators with token rewards. These activities keep your coin trending and your audience emotionally invested. Every small celebration from your first 1,000 holders to your first CEX listingis a marketing opportunity in itself. Ensure Post-Launch Growth and Longevity Launching your memecoin is just the beginning the real game starts after the hype settles. Post-launch growth is about keeping the spark alive, turning early excitement into sustained engagement, and building an ecosystem that lasts. The memecoin landscape in 2025 is fast-paced and crowded, but the ones that thrive are those that continuously evolve, innovate, and nurture their community. Longevity doesn’t happen by luck it’s built through consistency, transparency, and smart expansion. Keep the Community ActiveYour community isn’t just your audience it’s your project’s heartbeat. Once your memecoin is live, the key is to keep that energy alive through constant engagement and transparent communication. Share updates regularly about development progress, new listings, partnerships, and roadmap milestones. A silent team quickly loses community trust, so stay vocal and authentic. Interactive engagement also works wonders. Introduce polls, governance votes, and meme competitions to make holders feel involved in the project’s direction. People love having a voiceespecially in the memecoin world, where personality drives loyalty. Weekly contests, leaderboard shoutouts, or “Meme of the Week” events can keep your social channels buzzing. The more your holders feel like stakeholders, the longer they’ll stick around. Expand Utility and PartnershipsTo stay relevant beyond the hype cycle, your memecoin needs to evolve. Start by adding utility-based features like staking, yield rewards, or NFT integrations. For example, allow holders to stake their coins for rewards or unlock exclusive NFTs tied to your meme culture. This transforms your coin from a speculative asset into an interactive experience. Strategic partnerships can also accelerate growth. Collaborate with dApps, DAOs, metaverse projects, or influencer collectives that align with your vision. A cross-brand meme drop or in-game token utility can drive waves of new users. In 2025’s interconnected Web3 landscape, alliances fuel credibility and utility. When your coin becomes part of a larger digital ecosystem, it turns into more than a memeit becomes a movement. Monitor PerformanceGrowth without data is just guesswork. Keep an eye on your coin’s performance metricstrading volume, holder count, token distribution, and social sentiment. Tools like DEXTools, LunarCrush, or GeckoTerminal can give you real-time insights. Identify what’s working and what’s not. Did engagement dip after a certain campaign? Did trading spike after an influencer collaboration? Use those insights to fine-tune your strategy. Listening to your community is equally important. Gather feedback through Discord polls or AMA sessions and act on it. This shows your team cares, which in turn builds loyalty. Remember, your project’s adaptability is its biggest strength. The memecoins that survive market cycles are the ones that listen, iterate, and keep evolving based on data and community trust. Stay Compliant and Transparent As the crypto market matures, compliance and transparency have become non-negotiable even for memecoins. What once started as a joke now falls under serious regulatory attention, especially in 2025, when global frameworks like MiCA (EU), SEC (US), VARA (Dubai), and MAS (Singapore) are shaping how tokens operate. Staying compliant isn’t just about avoiding finesit’s about building long-term credibility. A transparent, well-regulated memecoin attracts genuine investors, earns media trust, and stands out in a market full of short-lived hype. Legal and Regulatory ReadinessBefore launching your custom memecoin, you need to understand how it fits into emerging crypto classification frameworks. Is it a utility token, a governance token, or could it be viewed as a security under certain jurisdictions? Getting this wrong can land you in regulatory hot water. Work with legal advisors familiar with blockchain law to navigate compliance across different regions. Draft a clear token disclaimer that explicitly states your coin’s purpose, limitations, and lack of investment guarantees. Avoid promising profits or using misleading marketing language that implies guaranteed returns. Transparency builds investor trust and shields your project from potential lawsuits or enforcement actions.Being proactive here pays offas 2025 regulators crack down on unregistered tokens, compliant projects will be the ones that survive and thrive. Security and AuditsSecurity is the backbone of credibility. Even the most viral memecoin can crash overnight if users suspect vulnerabilities or shady handling of funds. That’s why every project should undergo independent third-party audits from reputable firms. Publish your audit reports publicly to show you have nothing to hide. Go a step further by implementing liquidity locks, ensuring that team members can’t drain liquidity pools post-launch. Use multi-signature wallets to manage treasury and admin privileges this adds an extra layer of accountability and reduces the risk of insider exploits. In 2025’s crypto environment, security is more than technicalit’s psychological. A well-audited, fully transparent token contract signals that your project respects its investors and plays by the rules. Ethical ResponsibilityMemecoins thrive on hype, but ethics should guide how you build and promote your token. Be honest about your project’s intent and roadmap, even if it’s a humor-driven or experimental coin. Overpromising or using manipulative tactics might pump your price short-term, but it destroys trust long-term. Protect your community from common pitfalls scams, fake airdrops, insider dumps, or deceptive influencer promotions. Establish clear communication guidelines for moderators and partners to keep messaging consistent and truthful. If your project ever makes mistakes (and every project does), own up to them quickly and transparently. At the end of the day, memecoin culture is about fun, creativity, and community. By blending those values with ethical leadership and transparency, you can turn what started as a meme into a respected brand that lasts beyond the next hype cycle. Conclusion Launching a custom memecoin in 2025 is no longer just about humor or hype, it’s about building a cultural phenomenon with strategy, trust, and community at its core. From crafting a viral concept and solid tokenomics to ensuring compliance, security, and ongoing engagement, every step in your checklist plays a crucial role in shaping success. The projects that win this year will be the ones that blend creativity with credibilityfun with function. Whether your goal is to spark laughter, unite a community, or pioneer the next viral digital asset, a well-planned, transparent, and community-driven approach will turn your meme into a lasting movement in the evolving world of crypto. The Ultimate Checklist for Launching Your Custom Memecoin in 2026 was originally published in Coinmonks on Medium, where people are continuing the conversation by highlighting and responding to this story

Author: Medium

2025/11/05

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