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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.

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Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Deutsche Digital Assets and Safello Launch Staked TAO ETP — New Wave of Crypto Products?

Deutsche Digital Assets and Safello Launch Staked TAO ETP — New Wave of Crypto Products?

Deutsche Digital Assets (DDA), a European crypto asset manager, has teamed up with Safello, the Nordic cryptocurrency exchange, to launch the Safello Bittensor Staked TAO exchange traded product (ETP). The product will use Deutsche Digital Assets white-label crypto ETP platform and will begin trading on the SIX Swiss Exchange under the ticker STAO. According to the firms’ the Safello Bittensor Staked TAO ETP will give investors a regulated way to gain exposure to Bittensor (TAO) — a blockchain network combining decentralized artificial intelligence (AI) and open-source machine learning. The ETP is backed 100% by physically held TAO stored in cold custody with a regulated crypto custodian, STAO offers a compliant structure for investors seeking to diversify portfolios through a trusted and transparent framework. Staked Returns Meet Institutional Standards The new ETP is a total return product that tracks the Kaiko Safello Staked Bittensor Index (KSSTAO Index) and carries a maximum management fee of 1.49%. In addition to accessing TAO’s price performance, investors in STAO will earn staking rewards — with returns accumulated into the product’s NAV. Those rewards are reinvested, allowing compound growth within a regulated exchange-traded format. “The launch of the Safello Bittensor Staked TAO ETP underlines our conviction in decentralized AI,” said Emelie Moritz, CEO of Safello. “Bittensor is a prime example of how decentralized technology and AI are converging to reshape the future of value creation.” A Step Forward for Europe’s Crypto ETP Market? Deutsche Digital Assets white-label ETP platform backs a generation of regulated digital asset products. Through this platform, Safello said it also gains access to DDA’s regulatory infrastructure, index management, and exchange listing capabilities. “We are excited to announce the launch of the Safello Bittensor Staked TAO ETP through our collaboration with Safello,” said Maximilian Lautenschläger, CEO and founder of Deutsche Digital Assets. “By leveraging our platform, we enable partners to bring innovative crypto strategies to market efficiently while ensuring full regulatory compliance and robust index tracking.” Merging DeFi, AI, and Traditional Finance The launch of STAO marks a significant milestone for both the digital asset and AI sectors. By bridging decentralized machine learning with regulated capital markets, the ETP highlights the growing investor appetite for AI-integrated blockchain ecosystems. With its listing on the SIX Swiss Exchange and a total expense ratio of 1.49%, the Safello Bittensor Staked TAO ETP reflects a broader trend: investors demanding institutional-grade access to DeFi and AI-driven assets — all within the safeguards of traditional financial infrastructure. As decentralized AI becomes a cornerstone of Web3 innovation, products like STAO may define a new wave of regulated crypto investment opportunities blending staking, intelligence, and compliance under one banner. Bittensor (TAO) Climbs 42% in October Bittensor’s native token, TAO, is up 42.35% over the past month, trading at $427.59 according to CoinMarketCap. The AI-powered decentralized network continues to attract strong investor interest amid growing enthusiasm for crypto projects merging artificial intelligence and blockchain. TAO’s market capitalization now stands at $4.35 billion, with a fully diluted valuation (FDV) of $8.97 billion, positioning Bittensor among the top 30 crypto assets by market cap. Trading volume in the past 24 hours reached $408 million, suggesting sustained liquidity and investor participation despite recent market corrections across the broader digital asset space

Author: CryptoNews

2025/10/29

Polkadot Price Prediction: DOT Holds $3.20 — CTK vs DOT & Why ConstructKoin (CTK) Is a Top Crypto Presale 2025 Pick

Polkadot Price Prediction: DOT Holds $3.20 — CTK vs DOT & Why ConstructKoin (CTK) Is a Top Crypto Presale 2025 Pick

Polkadot (DOT) is trading around $3.20, showing steady interest from developers and capital rotating into interoperability plays. With DOT’s market structure stabilizing and parachain activity picking up, traders are increasingly asking whether established infrastructure tokens or early-stage presales offer the best asymmetric upside.

Author: Cryptodaily

2025/10/29

Ironlight Receives Approval as the First US-Compliant ATS to Support On-Chain Atomic Settlement

Ironlight Receives Approval as the First US-Compliant ATS to Support On-Chain Atomic Settlement

PANews reported on October 29th that, according to CoinDesk, Ironlight Markets has received FINRA approval to operate an Alternative Trading System (ATS), enabling the trading of traditional and tokenized securities (including RWAs) and achieving on-chain atomic-level instant clearing and settlement. The platform integrates a centralized order book and on-chain settlement, providing matching in less than 20 microseconds. It targets institutions such as banks, brokerages, and registered investment advisors, supporting FIX and API access. Ironlight plans to initially cover private lending, venture capital, and alternative assets, and will partner with compliant custodians to promote the expansion of the regulated tokenized market.

Author: PANews

2025/10/29

Mono Protocol’s $2.8M Crypto Presale Marks Stage 15 Launch

Mono Protocol’s $2.8M Crypto Presale Marks Stage 15 Launch

The post Mono Protocol’s $2.8M Crypto Presale Marks Stage 15 Launch appeared on BitcoinEthereumNews.com. Crypto News Mono Protocol raises $2.8 million in its $0.045 crypto presale as Stage 15 goes live, introducing unified cross-chain tools and the Rewards Hub for Web3 builders. Mono Protocol officially launched, entering Stage 15 of its crypto presale with $2.8 million raised. The project aims to solve long-standing blockchain challenges such as fragmented balances, unpredictable transfers, and high integration costs. As a Web3 crypto presale, Mono Protocol focuses on building reliable infrastructure that simplifies blockchain interaction for users and developers. Its latest milestone includes the rollout of the Rewards Hub, where participants earn $MONO for engaging with the ecosystem. Presale Launch and Fundraising Progress The ongoing presale crypto phase has attracted strong investor interest, reaching $2.8 million as Stage 15 goes live. Each token is priced at $0.045, maintaining affordability for new participants while signaling consistent demand. Fifty percent of the token supply is allocated to this pre sale cryptocurrency, with remaining reserves supporting governance, liquidity, marketing, and user rewards. The funds raised will support continued development and the upcoming Beta launch outlined in the project roadmap. Investors can join or track progress directly on the official dashboard. Addressing Blockchain Fragmentation with a Unified Account System Developers face high costs and delays when deploying applications across multiple blockchains. Mono Protocol solves this by introducing a chain abstraction model that allows deployment once, operating seamlessly across networks. For users, this presale coin offers a single-account experience that eliminates the need for multiple wallets. Universal balances and cross-chain gas payments enable transactions using any token, a feature that sets Mono apart from most cryptocurrency presales in 2025. Execution Bonds Strengthen Settlements Delayed transactions often discourage Web3 adoption. Mono Protocol uses execution bonds under its Resource Locks framework to ensure instant and verifiable settlements. Solvers and routers stake $MONO tokens as performance…

Author: BitcoinEthereumNews

2025/10/29

How Institutional DeFi Protocols Are Upgrading Capital Markets?

How Institutional DeFi Protocols Are Upgrading Capital Markets?

How Institutional DeFi Protocols Are Upgrading Capital Markets? The evolution of finance is entering a new era one where blockchain technology and decentralized systems are redefining the foundations of global capital markets. At the heart of this transformation lie Institutional DeFi Protocols platforms designed to bridge the gap between traditional finance (TradFi) and decentralized finance (DeFi) while ensuring compliance, security, and scalability for institutions. These institutional-grade DeFi systems are reshaping how assets are issued, traded, managed, and settled bringing transparency, automation, and real-time liquidity into a sector that has long relied on intermediaries and slow, opaque processes. Let’s explore in depth how Institutional DeFi Protocols are upgrading capital markets and what this means for the future of global finance.

  1. Understanding Institutional DeFi Protocols Traditional DeFi protocols such as Aave, MakerDAO, or Uniswap allow users to lend, borrow, and trade without intermediaries. However, they operate in open ecosystems with anonymous participants, limited regulatory oversight, and variable risk management conditions unsuitable for institutional investors. Institutional DeFi Protocols take the power of DeFi automation, smart contracts, and 24/7 liquidity and layer it with institutional-grade compliance, KYC/AML mechanisms, audited smart contracts, and risk controls. In simpler terms: These protocols open the door for banks, hedge funds, and asset managers to access decentralized markets safely without compromising regulatory obligations.
  2. Why Capital Markets Need Institutional DeFi Global capital markets encompassing equities, bonds, derivatives, and funds are plagued by inefficiencies that cost trillions annually. Traditional systems depend on multiple intermediaries: custodians, clearinghouses, brokers, and settlement agents. Each layer adds friction, cost, and delay. Common pain points include: ➤T+2 or T+3 settlement cycles (transactions take days to finalize) ➤Limited transparency in asset ownership and pricing ➤High operational costs due to manual reconciliation and intermediaries ➤Restricted liquidity caused by geographic and regulatory fragmentation Institutional DeFi addresses these challenges head-on. Through smart contracts and blockchain automation, financial instruments can be issued, traded, and settled in near real-time, reducing cost and counterparty risk.
  3. The Core Pillars of Institutional DeFi Transformation Institutional DeFi Protocols are upgrading capital markets through several key mechanisms that redefine efficiency, transparency, and accessibility. A. Tokenization of Real-World Assets (RWA)One of the biggest revolutions in capital markets comes from tokenizing real-world assets converting traditional assets like bonds, real estate, or equities into blockchain-based tokens. This enables:➤Fractional ownership, making high-value assets more accessible. ➤24/7 trading, breaking time-zone and exchange barriers. ➤Instant settlement, as ownership is recorded directly on-chain. Institutional DeFi protocols ensure these tokens are legally compliant, audited, and recognized by financial authorities, paving the way for regulated tokenized asset markets. B. On-Chain Liquidity and Automated Market MakingLiquidity has always been the backbone of capital markets. Institutional DeFi introduces automated market makers (AMMs) and liquidity pools designed for institutions. ➤Instead of relying on centralized exchanges, liquidity can be aggregated across decentralized pools that: ➤Maintain deep institutional-grade liquidity ➤Provide real-time price discovery ➤Allow smart contract-based settlement This innovation enables faster, more transparent trading and minimizes dependency on traditional market makers. C. Smart Contracts for Automated OperationsSmart contracts are the silent revolution behind DeFi. In capital markets, they automate processes like: ➤Trade execution and clearing ➤Collateral management ➤Dividend distribution ➤Interest and coupon payments For institutions, these contracts come with auditing, compliance modules, and upgradeability, ensuring both automation and accountability. D. Regulatory Compliance & Permissioned AccessUnlike open DeFi, institutional DeFi uses permissioned systems where every participant undergoes KYC/AML verification before joining. ➤This creates a regulated DeFi environment that aligns with traditional compliance standards while retaining blockchain’s transparency and immutability. ➤Institutions can now enjoy DeFi benefits without violating legal or risk mandates. E. Integration with Traditional SystemsModern institutional DeFi protocols are not isolated; they’re designed to integrate with existing TradFi infrastructure such as SWIFT systems, bank APIs, and institutional custodians. This ensures smooth transition for financial firms entering blockchain ecosystems without having to rebuild their legacy frameworks from scratch.
  4. Real-World Use Cases in Capital Markets Institutional DeFi is no longer a concept it’s being implemented across multiple sectors of global finance. a) Tokenized Bonds and SecuritiesFinancial institutions are using DeFi protocols to issue tokenized bonds with programmable interest payments. For example, governments and corporations can issue blockchain-based securities that settle instantly and are tradeable globally. b) Decentralized Lending for InstitutionsProtocols like Maple Finance and Goldfinch enable institutional lending pools, where verified borrowers (hedge funds, trading firms) access liquidity from decentralized markets under predefined smart contract terms. c) On-Chain Fund Management DeFi protocols support automated portfolio management, where fund operations from NAV calculation to yield distribution occur transparently on-chain. This reduces costs and improves trust among investors. d) Cross-Border SettlementsInstitutional DeFi simplifies international transactions through stablecoins and tokenized assets, allowing instant, low-cost cross-border settlements something traditional systems still struggle to achieve.
  5. How Institutional DeFi Improves Efficiency?
  6. Instant SettlementsTransactions that used to take days are now executed in seconds. Blockchain removes clearinghouses and intermediaries, creating a more direct and reliable system.
  7. Transparency and TraceabilityEvery transaction is recorded on an immutable ledger. This transparency reduces fraud, improves auditability, and boosts investor confidence.
  8. Cost ReductionBy automating back-office operations and removing third parties, institutional DeFi can reduce operational costs by up to 60–80%.
  9. Global AccessibilityInstitutional investors can participate in global asset markets without restrictions, expanding their reach beyond traditional exchanges.
  10. Risk ManagementProtocols integrate real-time analytics, on-chain credit scoring, and programmable compliance, allowing institutions to monitor and mitigate risks dynamically.
  11. The Role of Compliance in Institutional DeFi For capital markets, compliance is non-negotiable. Institutional DeFi protocols integrate regulatory guardrails to ensure seamless adoption. These include:➤KYC/AML systems tied to verified wallets. ➤Whitelist/Blacklist mechanisms for approved participants. ➤Integration with digital identity solutions for legal recognition. ➤On-chain reporting that meets financial authority standards. In the future, regulatory-compliant DeFi could become the preferred structure for institutional-grade securities and lending products.
  12. Institutional DeFi and the Evolution of Liquidity Liquidity fragmentation has long been a challenge for traditional capital markets. Institutional DeFi changes this by creating global liquidity pools that are not bound by geography or intermediaries. ➤Liquidity becomes programmable meaning it can automatically flow to the most efficient markets through smart contracts. ➤This creates a more resilient, 24/7 capital market ecosystem where value moves freely across assets, institutions, and borders.
  13. Challenges to Overcome Despite its potential, institutional DeFi faces real-world challenges: Regulatory Uncertainty: Global regulations around tokenized securities are still evolving. Interoperability Issues: Integration between different chains and legacy systems requires standardization. Security Risks: Even audited smart contracts can be vulnerable to exploits. Adoption Barriers: Large institutions often move slowly due to internal compliance and technology readiness. However, with continued innovation and collaboration between regulators, DeFi developers, and financial institutions, these barriers are being steadily dismantled.
  14. The Future Outlook: A Hybrid Financial System The capital markets of the future will not be purely decentralized or fully traditional they will be hybrid. Institutional DeFi will serve as the bridge between both worlds allowing institutions to access blockchain-based liquidity and automation, while still operating under the frameworks of regulated finance. We’re already seeing major players like JP Morgan, Goldman Sachs, and BlackRock experimenting with tokenized assets and blockchain settlement networks. This signals a massive paradigm shift. Within the next decade, institutional DeFi protocols could underpin the infrastructure of global finance transforming securities trading, asset issuance, and cross-border liquidity management.
  15. Final Thoughts Institutional DeFi protocols are not just an upgrade they’re a reinvention of capital markets. By merging the transparency of blockchain, the efficiency of automation, and the assurance of compliance, they’re building a financial ecosystem that is faster, fairer, and globally accessible. From tokenized securities and on-chain lending to automated settlements and programmable compliance, the future of finance is being rewritten one smart contract at a time. As institutional adoption accelerates, DeFi will no longer be viewed as an alternative it will become the standard operating system for global capital markets.
How Institutional DeFi Protocols Are Upgrading Capital Markets? was originally published in Coinmonks on Medium, where people are continuing the conversation by highlighting and responding to this story

Author: Medium

2025/10/29

Bitcoin vs Solana Price Update: BTC $115,476 / SOL $202 — Why the BTC+SOL + CTK Presale Combo Could Win Institutional Interest

Bitcoin vs Solana Price Update: BTC $115,476 / SOL $202 — Why the BTC+SOL + CTK Presale Combo Could Win Institutional Interest

Bitcoin is trading near $115,476 while Solana checks in around $202 — a pairing investors often use to balance macro liquidity (BTC) with execution capacity (SOL). As capital rotates out of large-cap gains, allocators look for pragmatic L1 + presale combinations that offer both reliable settlement rails and credible real-world utility. One combo gaining traction […]

Author: Cryptopolitan

2025/10/29

Beyond Hype: Mono Protocol’s $2.8M Crypto Presale Marks Stage 15 Launch

Beyond Hype: Mono Protocol’s $2.8M Crypto Presale Marks Stage 15 Launch

Mono Protocol officially launched, entering Stage 15 of its crypto presale with $2.8 million raised. The project aims to solve […] The post Beyond Hype: Mono Protocol’s $2.8M Crypto Presale Marks Stage 15 Launch appeared first on Coindoo.

Author: Coindoo

2025/10/29

How Investors Can Benefit From the Rise of ReFi and ConstructKoin (CTK)

How Investors Can Benefit From the Rise of ReFi and ConstructKoin (CTK)

As blockchain continues to evolve beyond speculation and trading, a new era of real-world finance is emerging. The next major wave of adoption is being driven by ReFi (Real Estate Financing) — a sector where blockchain meets property development and real-world asset (RWA) lending. At the center of this movement is ConstructKoin (CTK), a project [...]]]>

Author: Crypto News Flash

2025/10/29

Revolutionary Bittensor Staked TAO ETP: Deutsche Digital Assets Unveils a Game-Changer

Revolutionary Bittensor Staked TAO ETP: Deutsche Digital Assets Unveils a Game-Changer

BitcoinWorld Revolutionary Bittensor Staked TAO ETP: Deutsche Digital Assets Unveils a Game-Changer The world of digital assets is constantly evolving, bringing forth innovative investment opportunities. For those keen on gaining exposure to the burgeoning AI-driven cryptocurrency Bittensor (TAO) and its staking rewards, a significant development is on the horizon. German crypto ETP provider Deutsche Digital Assets (DDA) is set to launch its groundbreaking Bittensor Staked TAO ETP on the SIX Swiss Exchange, marking a new era for accessible crypto investments. What Exactly is the Bittensor Staked TAO ETP? This innovative product, the Bittensor Staked TAO ETP, offers investors a straightforward way to participate in the TAO ecosystem without directly managing the underlying cryptocurrency. Essentially, it is an Exchange Traded Product (ETP) that tracks the price movements of Bittensor’s TAO token. Moreover, it is designed to generate additional returns from TAO’s staking rewards. Collateralized Security: The ETP is fully collateralized by TAO tokens. Cold Storage: These tokens are held in secure cold storage by a regulated custodian, ensuring a high level of asset safety. Automatic Reinvestment: All staking rewards generated by the underlying TAO tokens are automatically reinvested back into the fund, potentially compounding returns for investors. Why is This Development So Important for Investors? The launch of this ETP by Deutsche Digital Assets represents a crucial step in bridging traditional finance with the crypto world. For many institutional and retail investors, direct cryptocurrency ownership and staking can be complex due to technical hurdles and security concerns. This ETP simplifies the process significantly. It provides a regulated and familiar investment vehicle, similar to traditional ETFs, allowing investors to gain exposure to TAO and its staking yield through a regulated exchange. This accessibility can attract a broader range of investors who might otherwise shy away from the complexities of direct crypto management. How Do Staking Rewards Work with the Bittensor Staked TAO ETP? Staking is a fundamental mechanism in many proof-of-stake blockchain networks, including Bittensor. It involves locking up cryptocurrency tokens to support the network’s operations and security. In return, participants earn rewards, often in the form of newly minted tokens or transaction fees. With the Bittensor Staked TAO ETP, this process is managed entirely by DDA. Investors do not need to worry about setting up wallets, choosing validators, or managing the technical aspects of staking. The ETP handles all these details, collecting the staking rewards and seamlessly reinvesting them. This feature is particularly appealing as it aims to enhance the overall returns for investors without requiring active participation. Ensuring Security and Regulatory Compliance A key aspect of any financial product, especially in the digital asset space, is security and regulatory oversight. This new ETP addresses these concerns head-on. By utilizing a regulated custodian for cold storage, DDA ensures that the underlying TAO tokens are protected from online threats and unauthorized access. Cold storage refers to keeping assets offline, which significantly reduces the risk of hacking. Furthermore, launching on the SIX Swiss Exchange means the product adheres to stringent regulatory standards. This provides an added layer of trust and transparency for investors, making it a more appealing option compared to unregulated crypto platforms. Regulatory compliance is vital for fostering broader institutional adoption of digital asset products. What Does This Mean for the Future of Crypto ETPs? The introduction of products like the Bittensor Staked TAO ETP signifies a maturing cryptocurrency market. As more sophisticated and regulated investment vehicles emerge, the barrier to entry for traditional investors lowers. This trend is likely to continue, with more ETPs offering exposure to various cryptocurrencies and their unique features, such as staking, lending, or even DeFi protocols. These developments pave the way for greater integration of digital assets into mainstream financial portfolios. They offer diversification opportunities and new avenues for generating returns in an increasingly interconnected global economy. The move by Deutsche Digital Assets underscores the growing demand for professionally managed and secure crypto investment products. In conclusion, Deutsche Digital Assets’ launch of the Bittensor Staked TAO ETP is a significant milestone. It provides a secure, regulated, and convenient way for investors to gain exposure to Bittensor (TAO) and benefit from its staking rewards. This product not Pre not only simplifies crypto investment but also reinforces the growing legitimacy and accessibility of digital assets within the traditional financial framework. It’s an exciting development for anyone looking to tap into the potential of staked cryptocurrencies. Frequently Asked Questions (FAQs) 1. What is an ETP? An ETP, or Exchange Traded Product, is a type of security that tracks an underlying asset, index, or financial instrument. It trades on exchanges like stocks and allows investors to gain exposure to various markets without directly owning the underlying assets. 2. How does the Bittensor Staked TAO ETP generate returns? The ETP generates returns primarily from two sources: the price movements of the underlying TAO token and the staking rewards earned from locking up TAO tokens to support the Bittensor network. All staking rewards are automatically reinvested into the fund. 3. Is my investment in the Bittensor Staked TAO ETP secure? Yes, the ETP is designed with security in mind. It is fully collateralized by TAO tokens held in cold storage by a regulated custodian. Furthermore, its listing on the SIX Swiss Exchange ensures adherence to strict regulatory standards, offering enhanced investor protection. 4. Do I need to manage the staking process myself? No, one of the key benefits of the Bittensor Staked TAO ETP is that Deutsche Digital Assets manages the entire staking process. Investors do not need to handle wallets, validators, or any technical aspects of staking; the rewards are automatically reinvested into the fund. 5. Who is Deutsche Digital Assets (DDA)? Deutsche Digital Assets (DDA) is a German crypto ETP provider specializing in creating and managing exchange-traded products that offer exposure to various digital assets, making crypto investments more accessible and regulated for a broader audience. Was this article helpful? Share this insightful read with your network and help others understand the exciting potential of the Bittensor Staked TAO ETP! To learn more about the latest crypto ETP trends, explore our article on key developments shaping digital asset institutional adoption. This post Revolutionary Bittensor Staked TAO ETP: Deutsche Digital Assets Unveils a Game-Changer first appeared on BitcoinWorld.

Author: Coinstats

2025/10/29

The Top Altcoins to Buy Now: Digitap, SUI, XRP

The Top Altcoins to Buy Now: Digitap, SUI, XRP

Traders in 2025 are prioritizing altcoins with clear utility, verifiable liquidity, and less noise. They reward live products with growing TVL and volumes, and real payment use cases. Looking at the landscape, Digitap, SUI, and XRP stand out. Within that shift, the Digitap crypto banking application is moving from concept to deployed products, unifying fiat and crypto rails in one platform. SUI supports the scalable-L1 narrative with expanding DeFi. XRP remains tied to cross-border liquidity and now operates in a more predictable legal environment after the SEC case wrapped up in August 2025. But, tactically, Digitap looks best placed to claim the top altcoins to buy crown because it brings the model together in a single, consumer-ready banking app. Digitap: $TAP Presale Unleashes the First Omnibank Digitap is an omnibank that brings deposits, withdrawals, payments, transfers, and FX in fiat and crypto into one experience, with a compliance layer and multi-rail settlement. The architecture shows how the platform stitches together banking rails and public networks to support personal and business accounts with wallets, on/off-ramp, and cards. It’s built for everyday use by people and businesses. $TAP is an ERC-20 with a fixed 2 billion supply, a deflationary design with burns tied to transactions, fees, and events, and real utility economics including staking, VIP tiers, discounts, and governance. Today’s user pain is juggling separate banks, apps, and wallets. Digitap reduces that friction with integrated rails and cards to spend crypto or fiat balances without gymnastics, which typically boosts retention and product stickiness. Core features Unified account (consumer or business) for payments, transfers, FX, and multi-asset wallets Multi-rail settlement that combines traditional banking infrastructure with public blockchains for transfers and swaps Security and compliance layers designed for cross-border operations Digitap’s app is built, live, and ready to scale, with desktop plus App Store and Google Play versions offering deposits and withdrawals, FX, transfers, receiving, and virtual/physical cards, along with offshore account opening in the same dashboard. The ecosystem pairs staking (up to 124% APR) with a deflationary mechanism, including buyback & burn of 50% of app fee profits and early-unstake burns (staking penalties), reducing effective supply over time. SUI: Performance-First L1 with Rising DeFi Liquidity Sui is an L1 focused on parallelized execution and a smooth UX that has supported its DeFi growth since 2024. TVL first topped $2.5 billion on May 21, 2025, and stayed above $2.0 billion into late Q2. It has since set a new high above $2.6 billion, driven by protocols such as Suilend, NAVI, and Momentum. Where it can gain share: ongoing UX and finality improvements, plus continued DeFi integrations, can support liquidity retention. Key risks: competition from other L1s/L2s and the challenge of sustaining liquidity across cycles. The Mysticeti consensus upgrade cut transaction latency for owned objects from roughly 2.2s to ~400 ms, boosting DEX and lending responsiveness and reducing slippage risk during periods of volatility. XRP: Cross-Border Payments After the SEC Chapter XRP remains associated with payments and cross-border liquidity for B2B and institutional rails. The environment became more predictable after appeals in SEC vs. Ripple concluded, keeping the District Court’s final judgment intact and preserving the 2023 view that retail exchange sales aren’t securities. With litigation concluded and parameters clearer, partnerships and payments integrations may face fewer US legal uncertainties, though rules still vary by jurisdiction. Risks include uneven global regulation and competition from stablecoins and other liquidity rails. XRP is currently trading near $2.41, with a market cap of around $144.4 billion and more than 59 billion coins in circulation out of a 100 billion max supply. These levels indicate ample liquidity for executing orders across major pairs. Final Thoughts on the Best Altcoins to Buy Now SUI delivers liquidity metrics that align with near-term DeFi interest. XRP operates under a clearer post-appeals legal backdrop, reducing friction for payments partners and integrations. Tactically, $TAP sits at the top of the best altcoins to buy now because it differentiates on utility, unifying fiat and crypto in a payments-and-account app. Project Links: Buy Presale Telegram The post The Top Altcoins to Buy Now: Digitap, SUI, XRP appeared first on 36Crypto.

Author: Coinstats

2025/10/29

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