# Пов'язані статті щодо DeFi

Центр новин HTX надає останні статті та поглиблений аналіз на тему "DeFi", що охоплює ринкові тренди, оновлення проєктів, технологічні розробки та регуляторну політику в криптоіндустрії.

MoonPay Launches PayBox

MoonPay, a payments infrastructure company for crypto and traditional currencies, has launched PayBox, a new type of payments wallet that enables AI assistants like Claude and ChatGPT to execute transactions. Users can manage digital assets and pay for online services directly within chat interfaces. Upon request, AI can perform actions such as purchasing PYUSD, swapping tokens, cross-chain transfers, funding DeFi protocols, and booking flights. Users confirm each transaction with an access key before it is processed. PayBox initially supports Solana and EVM-based blockchains like Ethereum, Base, Arbitrum, Polygon, Hyperliquid, Tempo, and Robinhood Chain, with plans to add more networks. It can store both crypto wallets and payment cards. Security is provided via MPC (Multi-Party Computation) technology and secure execution environments, ensuring no single party—including MoonPay or the AI assistant—has full access to user assets. The wallet offers two permission modes: "Always Ask," requiring manual approval for each action, and "Autonomous," where AI can execute transactions within user-set limits. Permissions can be altered or revoked anytime. PayBox is built on technology from Sodot, a secure wallet solutions provider acquired by MoonPay earlier this year. This infrastructure reportedly secures over $50 billion in digital assets across more than 10 million wallets.

cryptonews.ru31 хв тому

MoonPay Launches PayBox

cryptonews.ru31 хв тому

Deep Dive into FWA: An Intriguing Experiment Turning NFTs into "On-Chain Gachapon"

A Deep Dive into FWA: The “On-Chain Gacha” Experiment for NFTs Fake World Assets (FWA), created by TokenWorks, introduces an innovative “NFT gacha machine” fully operating on-chain. Users can deposit eligible NFTs paired with ETH (called Backing) to create a Position, acting as a prize pool. Others can then pay a uniform Acquisition Price for a chance to win a random NFT from the pool. The core mechanism features a reverse probability system: Positions with lower Backing have a higher chance of being selected, serving as common prizes, while high-Backing Positions are rare “jackpots.” The acquisition price is calculated based on the harmonic mean of all Backings, keeping entry costs low. When a Position is won, the purchaser must choose: keep the NFT or accept the Standing Bid (85% of the Backing, claimable in ETH or $FWA tokens), returning the NFT to the original depositor. The protocol involves two main roles. Depositors provide liquidity (NFT + ETH), earning a share of fees from each draw, distributed equally per active Position, plus potential $FWA rewards. Purchasers pay to spin the gacha, receiving $FWA rewards for participation. A special “Crown” reward goes to the Position with the highest Backing. The $FWA token has a fixed supply and is initially obtainable only through protocol participation (depositing or purchasing), with external buying disabled early on to reduce sell pressure. Its value is supported by a built-in buy pressure: when purchasers opt for the $FWA settlement on a Standing Bid, the protocol uses the backing ETH to buy $FWA from the market. Revenue for the protocol comes from a 1% fee on each draw, a 1% settlement fee when an NFT is kept, and the 15% discount from Standing Bid settlements (currently allocated to the protocol). The design cleverly blends Uniswap-style liquidity provision, gacha mechanics, and tokenomics to create a novel, self-regulating marketplace for NFT liquidity and engagement.

marsbit2 год тому

Deep Dive into FWA: An Intriguing Experiment Turning NFTs into "On-Chain Gachapon"

marsbit2 год тому

The Second Half of the RWA Issuance Race: Amidst the Utilization Dilemma, Trillions Worth of On-Chain Assets Awaken

RWA (Real-World Asset) tokenization has surged to a record $32 billion in on-chain value. However, a structural challenge has emerged: approximately 87% of these tokenized assets are inactive, not participating in DeFi lending or trading activities. This "utilization gap" highlights a key question: what happens after assets are brought on-chain? Data shows a stark contrast among major platforms. While Securitize leads in scale ($4.9B), it has a DeFi utilization rate of only 0.7%. Similarly, Ondo Finance ($3.5B) sees about 2.7% utilization. In contrast, Maple Finance, with a smaller $2.3B in assets, achieves a 62% utilization rate by embedding its assets directly into lending activities from the outset. Three primary factors contribute to low utilization: 1) **Asset Nature**: Tokenized treasuries are often held for yield, not traded. 2) **Regulatory Barriers**: Securities laws and KYC requirements restrict free movement into permissionless DeFi pools. 3) **Infrastructure Gaps**: A lack of deep secondary markets, real-time pricing, and mature clearing mechanisms hinders liquidity. The RWA narrative is now shifting from a "race to issue" to a "battle for application." While native lending protocols like Maple have inherent advantages, distribution channels are becoming critical. The success of products like SyrupUSDG on platforms like Robinhood Crypto demonstrates that access to existing user bases can accelerate adoption far more effectively than protocol-led efforts alone. The $32 billion milestone validates the feasibility of tokenization, but low utilization underscores that bringing assets on-chain is just the first step. The true test for the sector is enabling these assets to circulate, be utilized, and create new economic value within the DeFi ecosystem.

marsbit3 год тому

The Second Half of the RWA Issuance Race: Amidst the Utilization Dilemma, Trillions Worth of On-Chain Assets Awaken

marsbit3 год тому

Aave Gradually Phasing Out 75 Low-Utilization Reserve Assets! Here Are the Details

The leading decentralized finance (DeFi) lending protocol, Aave, has announced a major restructuring to improve platform efficiency. Founder Stani Kulechov stated the protocol will gradually phase out underutilized assets and scale back operations on certain blockchains. Specifically, Aave plans to cease support for 50 underused reserve assets on its native network and an additional 25 reserve assets across the Sonic, Scroll, zkSync, Metis, Soneium, and Aptos networks, totaling 75 assets. Management explained this move aims to allocate resources more efficiently and focus on assets with higher user demand. The restructuring will affect approximately $98.1 million in reserve assets and $15.6 million in loan positions. Aave stated the phase-out will be gradual, with transition plans to minimize user disruption. Experts note that periodically removing low-liquidity or underused assets is common in DeFi to reduce maintenance costs and enhance security and operational efficiency. As one of the world's largest DeFi protocols by Total Value Locked (TVL), Aave's decision may cause short-term liquidity shifts in affected assets but is viewed as a step toward building a more efficient and sustainable ecosystem in the long term.

cryptonews.ru5 год тому

Aave Gradually Phasing Out 75 Low-Utilization Reserve Assets! Here Are the Details

cryptonews.ru5 год тому

Robinhood posts record quarter as crypto revenue slides 38%

Robinhood reported record second-quarter revenue of $1.31 billion, a 32% year-over-year increase, and net income of $573 million. However, cryptocurrency transaction revenue fell 38% to $100 million. Despite this decline, growth in other areas like event contracts, options, and equities more than offset the crypto slowdown. The company also expanded its crypto ecosystem, completing the WonderFi acquisition and launching its Robinhood Chain layer-2 network. Robinhood saw record net deposits of $21.7 billion and raised its full-year outlook for adjusted EBITDA.

cointelegraph5 год тому

Robinhood posts record quarter as crypto revenue slides 38%

cointelegraph5 год тому

Prediction Markets Outpace Cryptocurrencies: Robinhood Earns $1.31 Billion in Q2

Robinhood reported record Q2 2026 results with revenue of $1.31B, net income of $573M, and adjusted EBITDA of $741M. Notably, 23% of the profit came from one-time factors, including gains from the deconsolidation of a ventures fund. A major shift was the rise of prediction markets, generating $156M in revenue (a more than 10x annual increase), surpassing stocks ($129M) and cryptocurrencies ($100M, down 38%). Total transaction revenue grew 44% to $776M, with options remaining the largest segment. Cryptocurrency performance was weak organically, with trading volume in the core app falling 35%. However, Robinhood is aggressively expanding its crypto infrastructure through acquisitions, launching its own blockchain (Robinhood Chain), and introducing new products like tokenized stocks in over 120 countries and perpetual futures in the EU.

cryptonews.ru6 год тому

Prediction Markets Outpace Cryptocurrencies: Robinhood Earns $1.31 Billion in Q2

cryptonews.ru6 год тому

Coinbase's 'Wrapped XRP' Expands DeFi Possibilities Through Integration with Doppler Finance on the Base Platform

Coinbase's Wrapped XRP (cbXRP) expands DeFi utility through integration with Doppler Finance on the Base platform. Doppler, an institutional-grade yield infrastructure built on the XRP Ledger (XRPL), announced the expansion, starting with cbXRP support and planning to include other tokenized assets later. This move is part of Doppler's broader multi-chain strategy to enable tokenized assets to be used for lending, borrowing, staking, and other DeFi applications on-chain. cbXRP is a 1:1 XRP-backed token issued by Coinbase, allowing holders to interact with Base's DeFi ecosystem while maintaining exposure to the underlying asset. Public dashboards show nearly 105.64 million cbXRP in circulation, fully backed by an equivalent amount of XRP in reserve. The integration aligns with Coinbase's expansion of Base into a platform supporting payments, lending, borrowing, and tokenized investments. It also coincides with growing XRP ecosystem developments, including over one million transactions by XRPL agents and Ripple's treasury solutions for enterprise liquidity management. Doppler plans to gradually add support for more tokenized assets on Base in future deployment phases.

cryptonews.ru9 год тому

Coinbase's 'Wrapped XRP' Expands DeFi Possibilities Through Integration with Doppler Finance on the Base Platform

cryptonews.ru9 год тому

Altura Explains Delay in Vault Wind-Down Process Due to Frozen Bank Accounts

Altura, a DeFi yield-focused protocol, announced a delay in the final stage of closing its stablecoin vault due to a bank freezing its account. Over £16.4 million in cash for the final user payout round is currently locked while the bank conducts an internal review. The closure process began in June following significant withdrawal pressure. Altura had already recovered assets from partners and was preparing an OTC trade to convert the cash to USDT for distribution. The company stated the situation is beyond its control and awaits bank clearance. Altura's vault, built on HyperEVM, once held nearly $39 million. The protocol stressed that its issues are unrelated to other market stress points like Main Street and that its core lending operations remain unaffected. The timeline for final user repayments now depends on when the bank unfreezes the account.

cryptonews.ru20 год тому

Altura Explains Delay in Vault Wind-Down Process Due to Frozen Bank Accounts

cryptonews.ru20 год тому

Trade.xyz to cover SK Hynix perp liquidation losses tied to price anomaly

Trade.xyz, operator of onchain perpetual markets on Hyperliquid, will cover eligible trader losses from a liquidation event caused by a price anomaly in its SK Hynix perpetual contract. The mark price for the contract, which tracks the South Korean chipmaker, fell sharply from $1,127.90 to $917.25 after an executed trade on an external market was relayed by data providers. The platform stated its oracle functioned as designed but called the reimbursement a "one-time discretionary decision." It is reviewing how prices are formed during extreme events and considering giving more weight to its own order books. The SK Hynix contract is one of Hyperliquid's most active markets, with over $1.5 billion in recent 24-hour volume. Trade.xyz did not disclose the total reimbursement amount or number of eligible traders.

cointelegraphВчора 13:06

Trade.xyz to cover SK Hynix perp liquidation losses tied to price anomaly

cointelegraphВчора 13:06

Singular Cryptoprojects Have Taken the Main Revenue. What Will Happen to the Rest

The cryptocurrency market is undergoing a phase of intense consolidation, surpassing previous bear cycles, according to analysts. Experts warn of increasing bankruptcies, mergers, and acquisitions as capital becomes highly selective, favoring projects with proven market demand. This is evidenced by extreme concentration of industry revenue, where three projects—Hyperliquid, Pump.fun, and Ethena—now generate nearly 80% of total application income. Since the start of the year, around 100 crypto companies have ceased operations. Concurrently, new European Union regulations (MiCA) are expected to drive further consolidation. Starting July, compliance requirements similar to those for banks will compel smaller firms to either merge with larger players or exit the regulated European market, potentially mirroring a shift seen earlier in Switzerland.

cryptonews.ruВчора 11:11

Singular Cryptoprojects Have Taken the Main Revenue. What Will Happen to the Rest

cryptonews.ruВчора 11:11

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