November 2025 could be a turning point for crypto. From ETFs to major network upgrades, here are six catalysts that could shape the market.
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As we move into November 2025, the crypto-market is gearing up for one of its most intriguing phases yet. From spot-ETF momentum to narrative shifts, network upgrades and real-world asset tokenization, multiple catalysts are aligning. Here are six key developments to watch.
1. Seasonality & Historical Momentum Could Kick In
While "Uptober" fell short of expectations, November could tell a different story. Historically, it's been one of the strongest months for digital assets, with Bitcoin in particular averaging +42.31% gains in recent years.

When combined with the renewed ETF narrative, increased whale accumulation, and a stronger appetite for risk assets, market momentum appears to be building. Participants are closely monitoring how these dynamics could influence sentiment, especially as trading volumes and key technical levels come into play. If Bitcoin maintains stability around the $100K zone and Ethereum shows signs of renewed strength, November could become a more active month for crypto markets compared to October.
2. Ether’s Next Move Could Set the Tone for Altcoins
The final weeks of 2025 may prove pivotal for Ethereum (ETH). Although retail accumulation has paused somewhat, wallet-level data shows large holders (1,000 to 100,000 ETH wallets) added roughly 1.6 million ETH in October (around $6 billion), it’s a sign that whales and larger holders are staying active as the year winds down.

If ETH begins to break out or even stabilize around current levels, it could unlock the broader altcoin market, which has been lagging for months. The playbook that many are hoping for is the following one: ETH strength leads to improved risk appetite, which in turn sparks an altcoin rotation as investors seek higher risk exposure.
Ethereum remains the accepted benchmark for gauging sentiment across the non-Bitcoin segment of the market, and its performance frequently acts as a catalyst for capital flows into smaller assets. Keeping an eye on its fundamentals (from staking yield to liquidity shifts on major exchanges) will be important. In many ways, ETH could potentially become the gatekeeper to the next phase of the market’s recovery and the tone-setter for the coming months.
3. ETF Comeback After Delays
The recent U.S. government shutdown briefly froze several crypto-spot ETF filings, leaving the “ETF narrative” in suspense. But now the pause is over for Bitwise’s Spot Solana ETF. It has finally launched with strong early inflows, and the broader momentum is returning.
With this foundation, November could reignite the ETF trade in earnest, we may finally see filings for Ethereum staking products, new spot-Bitcoin funds and renewed institutional interest. If filings begin to stack up and regulatory engagement deepens, this could mark the next major inflection for how crypto is accessed in traditional portfolios.
4. Altcoins at an Inflection Point
The broader altcoin sector enters November under pressure as the Altcoin Season Index sits near 29, signaling a reset after October’s downturn. But inflection points often follow pressure. If ETH sets the tone (as many are hoping for), mid-cap and high-beta altcoins (such as SOL, AVAX, NEAR) could begin to capture rotation flows.

Traders might want to watch for flow changes such as increased volumes, wallet relocations and new project launches. While caution is still prevailing, this may be the window where sentiment begins to swing back into “altcoin season”.
5. Major Network Upgrades
Technical infrastructure is not just background noise; it often creates catalyst-events. For example, Ethereum’s upcoming Fusaka Upgrade (scheduled for early December) is designed to increase layer-2 data capacity and reduce transaction costs.
Meanwhile, various Layer-2 ecosystems are preparing upgrades and cross-chain activations. One such upgrade, Shibarium Upgrade’s security overhaul on the Shiba Inu network. These events may ignite renewed network activity, developer interest and capital flows into ecosystems ready to scale.
6. Real-World Asset (RWA) Tokenization Accelerates
The tokenization of real-world assets (RWAs), such as real estate, bonds, equities, is moving from niche to mainstream. For instance, according to Standard Chartered, this market is projected to grow to around $2 trillion by 2028. Institutional interest is burgeoning, and regulatory frameworks are emerging.
As November unfolds, we may see announcements of large tokenization initiatives or new platforms bridging DeFi and traditional finance. For crypto holders and ecosystem observers, this means the familiar “crypto only” narrative is expanding into real-asset integration, a meaningful broadening of the opportunity set.
The Verdict
November 2025 is shaping up to be more than just another month. Spot-ETFs potential, ETH’s path, altcoin rotation, seasonal tailwinds, infrastructure upgrades and RWA tokenization all sit in motion. Each one individually is significant; together they create a multi-vector setup.
For those in the crypto space, whether you're holding long-term, actively trading, or building the next wave of infrastructure, November is likely to be eventful. This isn't a month to coast on autopilot. Track where capital is flowing. Pay attention to which narratives are gaining momentum and which are fading. The players are moving, and the pieces are falling into place.
NEWS AND UPDATES

After a brutal October sell-off, crypto just staged one of its most dramatic comebacks yet. Here's what the market's resilience signals for what comes next.
The crypto market just pulled off one of its boldest recoveries in recent memory. What began as a violent sell-off on October 10 has given way to a surprisingly strong rebound. In this piece, we’ll dig into “The Great Recovery” of the crypto market, how Bitcoin’s resilience particularly stands out in this comeback, and what to expect next…
The Crash That Shook It All
On October 10, markets were rattled across the board. Bitcoin fell from around $122,000 down to near $109,000 in a matter of hours. Ethereum dropped into the $3,600 to $3,700 range. The sudden collapse triggered massive liquidations, nearly $19 billion across assets, with $16.7B in long positions wiped out.

That kind of forced selling, often magnified by leverage and thin liquidity, created a sharp vacuum. Some call it a “flash crash”; an overreaction to geopolitical news, margin stress, and cascading liquidations.
What’s remarkable, however, is how quickly the market recovered.
The Great Recovery: Scope and Speed
Within days, many major cryptocurrencies recouped large parts of their losses. Bitcoin climbed back above $115,000, and Ethereum surged more than 8%, reclaiming the $4,100 level and beyond. Altcoins like Cardano and Dogecoin led some of the strongest rebounds.

One narrative gaining traction is that this crash was not a structural breakdown but a “relief rally”, a market reset after overleveraged participants were squeezed out of positions. Analysts highlight that sell pressure has eased, sentiment is stabilizing, and capital is re-entering the market, all signs that the broader uptrend may still be intact.
“What we just saw was a massive emotional reset,” Head of Partnerships at Arctic Digital Justin d’Anethan said.

“I would have another, more positive take: seeing 10B worth of liquidation happen in a flash and pushing BTC prices down 15%+ in less than 24hrs to then see BTC recoup 10% to 110K is a testament to how far we've come and how massive and important BTC has become,” he posted on 𝕏.
Moreover, an important datapoint stands out. Exchange inflows to BTC have shrunk, signaling that fewer holders are moving coins to exchanges for sale. This signals that fewer investors are transferring their Bitcoin from personal wallets to exchanges, which is a common precursor to selling. In layman terms, coins are being held rather than prepared for trade.

Bitcoin’s Backbone: Resilience Under Pressure
Bitcoin’s ability to rebound after extreme volatility has long been one of its defining traits. Friday’s drop admittedly sent shockwaves through the market, triggering billions in liquidations and exposing the fragility of leveraged trading.
Yet, as history has shown, such sharp pullbacks are far from new for the world’s largest cryptocurrency. In its short history, Bitcoin has endured dozens of drawdowns exceeding 10% in a single day (from the infamous “COVID crash” of 2020 to the FTX collapse in 2022) only to recover and set new highs months later.

This latest event, while painful, highlights a maturing market structure. Since the approval of spot Bitcoin ETFs in early 2024, institutional involvement has deepened, creating greater liquidity buffers and stronger institutional confidence. Even as billions in leveraged positions were wiped out, Bitcoin has held firm around the $110,000 zone, a level that has since acted as psychological support.
What to Watch Next
The key question now is whether this rebound marks a short-term relief rally or the start of a renewed uptrend. Analysts are closely watching derivatives funding rates, on-chain flows, and ETF inflows for clues. A sustained increase in ETF demand could provide a steady bid under the market, offsetting the effects of future liquidation cascades. Meanwhile, Bitcoin’s ability to hold above $110,000 (an area of heavy trading volume) may serve as confirmation that investor confidence remains intact.
As the market digests the events of October 10, one lesson stands out. Bitcoin’s recovery isn’t just a matter of luck, it’s a reflection of underlying market structure that can absorb shocks. It is built on a growing base of long-term holders, institutional adoption, and a financial system increasingly intertwined with digital assets. Corrections, however dramatic, are not signs of weakness; they are reminders of a maturing market that is striding towards equilibrium.
Bottom Line
The crash on October 10 was brutal, there’s no denying that. It was one of the deepest and fastest in recent memory. But the recovery has been equally sharp. Rather than exposing faults, the rebound has underscored the market’s adaptability and Bitcoin’s central role.
The market consensus is seemingly leaning towards a reset; not a reversal. The shakeout purged excess leverage, and the comeback underlined demand. If Bitcoin can maintain that strength, and the broader market keeps its footing in the coming days, this could mark a turning point rather than a cave-in.

What's driving the crypto market this week? Get fast, clear updates on the top coins, market trends, and regulation news.
Welcome to Tap’s weekly crypto market recap.
Here are the biggest stories from last week (8 - 14 July).
💥 Bitcoin breaks new ATH
Bitcoin officially hit above $122,000 marking its first record since May and pushing total 2025 gains to around +20% YTD. The rally was driven by heavy inflows into U.S. spot ETFs, over $218m into BTC and $211m into ETH in a single day, while nearly all top 100 coins turned green.
📌 Trump Media files for “Crypto Blue‑Chip ETF”
Trump Media & Technology Group has submitted an S‑1 to the SEC for a new “Crypto Blue Chip ETF” focused primarily on BTC (70%), ETH (15%), SOL (8%), XRP (5%), and CRO (2%), marking its third crypto ETF push this year.
A major political/media player launching a multi-asset crypto fund signals growing mainstream and institutional acceptance, and sparks fresh conflict-of-interest questions. We’ll keep you updated.
🌍 Pakistan launches CBDC pilot & virtual‑asset regulation
The State Bank of Pakistan has initiated a pilot for a central bank digital currency and is finalising virtual-asset laws, with Binance CEO CZ advising government efforts. With inflation at just 3.2% and rising foreign reserves (~$14.5b), Pakistan is embracing fintech ahead of emerging-market peers like India.
🛫 Emirates Airline to accept crypto payments
Dubai’s Emirates signed a preliminary partnership with Crypto.com to enable crypto payments starting in 2026, deepening the Gulf’s commitment to crypto-friendly infrastructure.
*Not to take away from the adoption excitement, but you can book Emirates flights with your Tap card, using whichever crypto you like.
🏛️ U.S. declares next week “Crypto Week”
House Republicans have designated 14-18 July as “Crypto Week,” aiming for votes on GENIUS (stablecoin oversight), CLARITY (jurisdiction clarity), and Anti‑CBDC bills. The idea is that these bills could reshape how U.S. defines crypto regulation and limit federal CBDC initiatives under Trump-aligned priorities.
Stay tuned for next week’s instalment, delivered on Monday mornings.

Explore key catalysts driving the modern money revolution. Learn about digital currencies, fintech innovation, and the future of finance.
The financial world is undergoing a significant transformation, largely driven by Millennials and Gen Z. These digital-native generations are embracing cryptocurrencies at an unprecedented rate, challenging traditional financial systems and catalysing a shift toward new forms of digital finance, redefining how we perceive and interact with money.
This movement is not just a fleeting trend but a fundamental change that is redefining how we perceive and interact with money.
Digital Natives Leading the Way
Growing up in the digital age, Millennials (born 1981-1996) and Gen Z (born 1997-2012) are inherently comfortable with technology. This familiarity extends to their financial behaviours, with a noticeable inclination toward adopting innovative solutions like cryptocurrencies and blockchain technology.
According to the Grayscale Investments and Harris Poll Report which studied Americans, 44% agree that “crypto and blockchain technology are the future of finance.” Looking more closely at the demographics, Millenials and Gen Z’s expressed the highest levels of enthusiasm, underscoring the pivotal role younger generations play in driving cryptocurrency adoption.
Desire for Financial Empowerment and Inclusion
Economic challenges such as the 2008 financial crisis and the impacts of the COVID-19 pandemic have shaped these generations' perspectives on traditional finance. There's a growing scepticism toward conventional financial institutions and a desire for greater control over personal finances.
The Grayscale-Harris Poll found that 23% of those surveyed believe that cryptocurrencies are a long-term investment, up from 19% the previous year. The report also found that 41% of participants are currently paying more attention to Bitcoin and other crypto assets because of geopolitical tensions, inflation, and a weakening US dollar (up from 34%).
This sentiment fuels engagement with cryptocurrencies as viable investment assets and tools for financial empowerment.
Influence on Market Dynamics
The collective financial influence of Millennials and Gen Z is significant. Their active participation in cryptocurrency markets contributes to increased liquidity and shapes market trends. Social media platforms like Reddit, Twitter, and TikTok have become pivotal in disseminating information and investment strategies among these generations.
The rise of cryptocurrencies like Dogecoin and Shiba Inu demonstrates how younger investors leverage online communities to impact financial markets2. This phenomenon shows their ability to mobilise and drive market movements, challenging traditional investment paradigms.
Embracing Innovation and Technological Advancement
Cryptocurrencies represent more than just investment opportunities; they embody technological innovation that resonates with Millennials and Gen Z. Blockchain technology and digital assets are areas where these generations are not only users but also contributors.
A 2021 survey by Pew Research Center indicated that 31% of Americans aged 18-29 have invested in, traded, or used cryptocurrency, compared to just 8% of those aged 50-64. This significant disparity highlights the generational embrace of digital assets and the technologies underpinning them.
Impact on Traditional Financial Institutions
The shift toward cryptocurrencies is prompting traditional financial institutions to adapt. Banks, investment firms, and payment platforms are increasingly integrating crypto services to meet the evolving demands of younger clients.
Companies like PayPal and Square have expanded their cryptocurrency offerings, allowing users to buy, hold, and sell cryptocurrencies directly from their platforms. These developments signify the financial industry's recognition of the growing importance of cryptocurrencies.
Challenges and Considerations
While enthusiasm is high, challenges such as regulatory uncertainties, security concerns, and market volatility remain. However, Millennials and Gen Z appear willing to navigate these risks, drawn by the potential rewards and alignment with their values of innovation and financial autonomy.
In summary
Millennials and Gen Z are redefining the financial landscape, with their embrace of cryptocurrencies serving as a catalyst for broader change. This isn't just about alternative investments; it's a shift in how younger generations view financial systems and their place within them. Their drive for autonomy, transparency, and technological integration is pushing traditional institutions to innovate rapidly.
This generational influence extends beyond personal finance, potentially reshaping global economic structures. For industry players, from established banks to fintech startups, adapting to these changing preferences isn't just advantageous—it's essential for long-term viability.
As cryptocurrencies and blockchain technology mature, we're likely to see further transformations in how society interacts with money. Those who can navigate this evolving landscape, balancing innovation with stability, will be well-positioned for the future of finance. It's a complex shift, but one that offers exciting possibilities for a more inclusive and technologically advanced financial ecosystem. The financial world is changing, and it's the young guns who are calling the shots.

You might have heard of the "Travel Rule" before, but do you know what it actually mean? Let us dive into it for you.
What is the "Travel Rule"?
You might have heard of the "Travel Rule" before, but do you know what it actually mean? Well, let me break it down for you. The Travel Rule, also known as FATF Recommendation 16, is a set of measures aimed at combating money laundering and terrorism financing through financial transactions.
So, why is it called the Travel Rule? It's because the personal data of the transacting parties "travels" with the transfers, making it easier for authorities to monitor and regulate these transactions. See, now it all makes sense!
The Travel Rule applies to financial institutions engaged in virtual asset transfers and crypto companies, collectively referred to as virtual asset service providers (VASPs). These VASPs have to obtain and share "required and accurate originator information and required beneficiary information" with counterparty VASPs or financial institutions during or before the transaction.
To make things more practical, the FATF recommends that countries adopt a de minimis threshold of 1,000 USD/EUR for virtual asset transfers. This means that transactions below this threshold would have fewer requirements compared to those exceeding it.
For transfers of Virtual Assets falling below the de minimis threshold, Virtual Asset Service Providers (VASPs) are required to gather:
- The identities of the sender (originator) and receiver (beneficiary).
 - Either the wallet address associated with each transaction involving Virtual Assets (VAs) or a unique reference number assigned to the transaction.
 - 	Verification of this gathered data is not obligatory, unless any suspicious circumstances concerning money laundering or terrorism financing arise. In such instances, it becomes essential to verify customer information.
 
Conversely, for transfers surpassing the de minimis threshold, VASPs are obligated to collect more extensive particulars, encompassing:
- Full name of the sender (originator).
 - The account number employed by the sender (originator) for processing the transaction, such as a wallet address.
 - The physical (geographical) address of the sender (originator), national identity number, a customer identification number that uniquely distinguishes the sender to the ordering institution, or details like date and place of birth.
 - Name of the receiver (beneficiary).
 - Account number of the receiver (beneficiary) utilized for transaction processing, similar to a wallet address.
 
By following these guidelines, virtual asset service providers can contribute to a safer and more transparent virtual asset ecosystem while complying with international regulations on anti-money laundering and countering the financing of terrorism. It's all about ensuring the integrity of financial transactions and safeguarding against illicit activities.
Implementation of the Travel Rule in the United Kingdom
A notable shift is anticipated in the United Kingdom's oversight of the virtual asset sector, commencing September 1, 2023.
This seminal development comes in the form of the Travel Rule, which falls under Part 7A of the Money Laundering Regulations 2017. Designed to combat money laundering and terrorist financing within the virtual asset industry, this new regulation expands the information-sharing requirements for wire transfers to encompass virtual asset transfers.
The HM Treasury of the UK has meticulously customized the provisions of the revised Wire Transfer Regulations to cater to the unique demands of the virtual asset sector. This underscores the government's unwavering commitment to fostering a secure and transparent financial ecosystem. Concurrently, it signals their resolve to enable the virtual asset industry to flourish.
The Travel Rule itself originates from the updated version of the Financial Action Task Force's recommendation on information-sharing requirements for wire transfers. By extending these recommendations to cover virtual asset transfers, the UK aspires to significantly mitigate the risk of illicit activities within the sector.
Undoubtedly, the Travel Rule heralds a landmark stride forward in regulating the virtual asset industry in the UK. By extending the ambit of information-sharing requirements and fortifying oversight over virtual asset firms
Implementation of the Travel Rule in the European Union
Prepare yourself, as a new regulation called the Travel Rule is set to be introduced in the world of virtual assets within the European Union. Effective from December 30, 2024, this rule will take effect precisely 18 months after the initial enforcement of the Transfer of Funds Regulation.
Let's delve into the details of the Travel Rule. When it comes to information requirements, there will be no distinction made between cross-border transfers and transfers within the EU. The revised Transfer of Funds regulation recognizes all virtual asset transfers as cross-border, acknowledging the borderless nature and global reach of such transactions and services.
Now, let's discuss compliance obligations. To ensure adherence to these regulations, European Crypto Asset Service Providers (CASPs) must comply with certain measures. For transactions exceeding 1,000 EUR with self-hosted wallets, CASPs are obligated to collect crucial originator and beneficiary information. Additionally, CASPs are required to fulfill additional wallet verification obligations.
The implementation of these measures within the European Union aims to enhance transparency and mitigate potential risks associated with virtual asset transfers. For individuals involved in this domain, it is of utmost importance to stay informed and adhere to these new guidelines in order to ensure compliance.
What does the travel rules means to me as user? 
As a user in the virtual asset industry, the implementation of the Travel Rule brings some significant changes that are designed to enhance the security and transparency of financial transactions. This means that when you engage in virtual asset transfers, certain personal information will now be shared between the involved parties. While this might sound intrusive at first, it plays a crucial role in combating fraud, money laundering, and terrorist financing.
The Travel Rule aims to create a safer environment for individuals like you by reducing the risks associated with illicit activities. This means that you can have greater confidence in the legitimacy of the virtual asset transactions you engage in. The regulation aims to weed out illicit activities and promote a level playing field for legitimate users. This fosters trust and confidence among users, attracting more participants and further driving the growth and development of the industry.
However, it's important to note that complying with this rule may require you to provide additional information to virtual asset service providers. Your privacy and the protection of your personal data remain paramount, and service providers are bound by strict regulations to ensure the security of your information.
In summary, the Travel Rule is a positive development for digital asset users like yourself, as it contributes to a more secure and trustworthy virtual asset industry.
Unlocking Compliance and Seamless Experiences: Tap's Proactive Approach to Upcoming Regulations
Tap is fully committed to upholding regulatory compliance, while also prioritizing a seamless and enjoyable customer experience. In order to achieve this delicate balance, Tap has proactively sought out partnerships with trusted solution providers and is actively engaged in industry working groups. By collaborating with experts in the field, Tap ensures it remains on the cutting edge of best practices and innovative solutions.
These efforts not only demonstrate Tap's dedication to compliance, but also contribute to creating a secure and transparent environment for its users. By staying ahead of the curve, Tap can foster trust and confidence in the cryptocurrency ecosystem, reassuring customers that their financial transactions are safe and protected.
But Tap's commitment to compliance doesn't mean sacrificing user experience. On the contrary, Tap understands the importance of providing a seamless journey for its customers. This means that while regulatory requirements may be changing, Tap is working diligently to ensure that users can continue to enjoy a smooth and hassle-free experience.
By combining a proactive approach to compliance with a determination to maintain user satisfaction, Tap is setting itself apart as a trusted leader in the financial technology industry. So rest assured, as Tap evolves in response to new regulations, your experience as a customer will remain top-notch and worry-free.
LATEST ARTICLE

We’ve covered what Proof of Work and Proof of Stake is, but what is PaaS?
In this article, we’re making this rather complicated-sounding term easy to understand as we explore where it came from, what it means, and why it’s likely to keep popping up in the crypto realm.
What Is PaaS?
PaaS stands for Platform as a Service and refers to a cloud delivery service that uses third-party cloud service providers. “As a service” indicates that the cloud computing service is provided by a third party, rather than the user having to manage their own hardware and software.
PaaS providers offer a range of services, including operating systems, databases, middleware, and other software development tools. PaaS offerings can be used for both cloud-native and hybrid cloud applications.
PaaS solutions are popular among software developers and businesses looking to migrate their applications to the cloud. They provide an application development platform that can be used to build and deploy applications quickly and easily, without the need for specialized hardware or software.
Some of the key benefits of PaaS include reduced costs, faster deployment, and greater flexibility and scalability. PaaS providers offer a range of services, including operating systems, databases, middleware, and other software development tools. This allows users to develop, run, and manage applications without having to worry about the underlying infrastructure.
The History of PaaS
PaaS first appeared in 2005 as Zimki under the company Fontago. Zimki allowed users to build and deploy web services and applications through its code execution platform.
Billing was determined based on the number of JavaScript operations, the amount of web traffic and the total storage used, providing users with a much clearer cost structure than on other platforms. The platform was eventually shut down in 2008 by its parent company.
That same year the Google App Engine was launched allowing users to create web services and applications using languages like Go, PHP, Node.js, Java and Python.
Today, Google remains the biggest PaaS vendor in the world.
How Does PaaS Work?
Instead of replacing its overall IT infrastructure and running these services in-house, PaaS streamlines access to its key services. This helps to reduce time in deployment as well as minimize startup costs.
PaaS allows users to tap into resources and functions like capacity on demand, data storage, text editing, vision management and testing services despite being in geographically different locations. All while using a pay-per-use model.
PaaS Offers Development Tools
PaaS, or Platform as a Service, is a cloud-based platform that provides users with access to the tools and resources needed to develop and run applications. Instead of replacing its overall IT infrastructure and running these services in-house, PaaS streamlines access to its key services, allowing users to easily tap into resources and functions like capacity on demand, data storage, text editing, vision management, and testing services. This pay-per-use model enables users to access the tools and resources they need without incurring the high costs of building and maintaining their own infrastructure.
PaaS technology offers a range of benefits for both developers and businesses, including the ability to easily integrate databases, manage infrastructure, and access data centers. This can provide a range of advantages, such as improved performance, enhanced security, and increased scalability.
PaaS technology providers also offer a range of services and support to their customers, including integration platforms and infrastructure management services. This can help businesses to quickly and easily integrate their applications with other systems and platforms, allowing them to take advantage of the benefits of PaaS without having to worry about the underlying infrastructure.
PaaS vs IaaS vs SaaS
PaaS, IaaS, and SaaS are all different models of cloud computing. PaaS, or Platform as a Service, provides access to the tools and resources needed to develop and run applications, while IaaS, or Infrastructure as a Service, offers access to the underlying infrastructure, including storage, networking, and computing power. SaaS, or Software as a Service, provides access to software applications over the internet.
These models differ in terms of what areas are handled on-site and which are handled by a third-party provider. For example, with PaaS, the infrastructure and operating system are managed by the provider, while the customer focuses on developing and deploying their own applications. With IaaS, the provider manages the infrastructure, while the customer is responsible for the operating system and applications. With SaaS, the provider manages everything, including the infrastructure, operating system, and applications.
Examples of companies that offer PaaS services include Amazon Web Services and the IBM Cloud, while IaaS providers include AWS, Microsoft Azure, and Google Cloud. Dropbox, Salesforce, and Google Apps are examples of SaaS providers.
These models offer advantages to businesses and developers looking to enter the cloud computing space. For example, PaaS offers the ability to focus on app development without worrying about the underlying infrastructure, while IaaS and SaaS provide access to cloud resources and the ability to quickly deploy and scale applications. These models can also be used to build communications platforms and other mobile applications, providing access to the necessary infrastructure and resources.

PaaS Provider In Blockchain
The use of PaaS technology, or Platform as a Service, within the blockchain industry is becoming increasingly popular. While blockchain platforms themselves are not typically structured in a PaaS way, the concept of BPaaS, or Blockchain Platform as a Service, offers businesses and enterprises the opportunity to focus on the development of software and other services for customers.
BPaaS provides numerous advantages for companies looking to enter the blockchain space. It allows businesses to leverage the power of cloud-based infrastructure and resources to develop and deploy applications without the need to manage their own hardware and software.
PaaS providers like Amazon Managed Blockchain and the IBM Blockchain Platform are leading the way in offering BPaaS solutions to businesses. These platforms offer a range of tools and resources for application development, including integrated development environments (IDEs), code libraries, and APIs. This allows developers to focus on building and deploying their own blockchain-based applications without worrying about the underlying infrastructure.
Overall, the use of PaaS in the blockchain industry offers numerous benefits, including reduced production costs, streamlined deployment, and the ability to easily integrate specific AI capabilities into applications. This makes it an attractive option for businesses looking to enter the blockchain space.

Crypto lending might be the hot new product in the cryptocurrency space, but before you dive in be sure to first understand what it entails. The concept grew great traction with the rise of the decentralized finance (DeFi) movement, with platforms offering users high yields for borrowing crypto assets.
Let’s get started with what crypto lending is, and then explore how the product works.
What is crypto lending?
Crypto lending is a traditional banking service curated to the crypto world. With the DeFi space remains largely unregulated, many crypto exchanges and other platforms have started offering these services, with added security.
Crypto lending involves a user lending crypto assets to a platform in return for interest, which allows other users to then borrow said crypto assets, paying interest on the amount borrowed. The platform will then take a small percentage of the interest paid.
Depending on the platform and other factors, crypto lending platforms may be centralized or decentralized and offer exceptionally high-interest rates, with annual percentage yields (APYs) of 15% or more. With the interest rates being higher than traditional bank accounts, lenders gain access to much greater yields, increasing their returns.
Another advantage to crypto lending is that users are still exposed to price gains in the market. Meaning that if you deposit your Bitcoin when it's worth $20,000 and the price rises in value to $50,000, you are still able to realize these returns and earn interest for the duration of the loan.
Note that interest rates might fluctuate with market conditions on some platforms, increasing when the prices increase and decreasing when markets are down.
How does crypto lending work?
Cryptocurrency lending platforms function as middlemen connecting lenders to borrowers. Lenders deposit their digital currency into high-interest lending accounts, and borrowers utilize the lending platform to acquire loans. These systems then lend money utilizing the crypto that investors have provided them.
The platform controls its net interest margins by establishing the interest rates for both lending and borrowing.
Rates on platforms differ from cryptocurrency to cryptocurrency, some platforms might offer higher interest rates to lenders willing to commit to a certain time frame. There is no standard interest rate for cryptocurrencies, as each platform has its own set of rules.
Centralized crypto lending means putting your money in the hands of a corporation or other entity to manage and make the process easier. Accounts are created for borrowers and lenders, and loans may be requested by applicants.
Lenders and borrowers may connect their cryptocurrency wallets to a decentralized crypto lending protocol, which uses smart contracts to automate the lender-borrower relationship. Smart contracts are automated digital agreements that execute once certain criteria is met.
The advantages of crypto lending
There are several benefits to crypto lending when comparing it to a regular bank account.
Borrowers have access to these financial services without having to pass a credit check, making it more financially inclusive than traditional banking services. They are also exposed to lower interest rates than regular banking loans.
Lenders that give loans in the form of cryptocurrencies can make a lot more money from their crypto assets than savings accounts. It may also be a more adaptable choice to crypto staking, which requires users to lock up their cryptocurrency and submit it to a blockchain security method. Depending on the platform, lending usually gives users access to their funds.
The downside to crypto lending
The agreement with crypto loan companies is generally made on individual terms by institution borrowers. As interest rates vary across platforms and cryptocurrencies, each company is different.
There have been several cases where lending platforms have been hit by severe liquidity crisis, notably Celsius, Voyager Digital, and BlockFi. Glenn Huybrecht, COO of Cake DeFi, said, “Some lending providers have been very generous with low collateral requirements, which then puts them in hot water when one of their customer's defaults.”
Due to the ongoing regulation battles, these crypto services are also not backed by government safety nets, like the traditional banks are. However, some platforms do hold insurance and the necessary regulatory accreditations so be sure to seek one that has all of the above.
Closing thoughts
Crypto lending platforms differ greatly from one another so be sure to check each platform, their interest rates for all the various currencies supported, and if there are any lock-up periods or fees payable.

If you’re interested in staking Ethereum, you came to the right place. The largest liquid staking protocol in the crypto ecosystem, trusted by thousands of ETH holders who want rewards without losing liquidity, has a name: Lido DAO.
Ethereum's Leading Liquid Staking Protocol
How does it work?
Lido DAO is a decentralized autonomous organization that provides a liquid staking solution on the Ethereum 2.0 blockchain as well as other Proof of Stake (PoS) platforms like Solana (SOL), Polygon (MATIC), Polkadot (DOT), and Kusama (KSM).
Instead of locking up funds, users stake ETH and receive stETH tokens in return, which represent their staked ETH plus accrued rewards. This allows users to continue trading, lending, or using their tokens across DeFi while still benefiting from staking yields. Since launching in 2020, Lido DAO has grown to manage more than $40.33B in Total Value Locked (TVL), with staking rewards currently averaging an annual percentage rate (APR) of 2.71%. The protocol is governed by holders of the LDO token, ensuring community-driven decision-making.

Where did it come from?
Lido DAO was co-founded by Kasper Rasmussen and Jordan Fish, also known as CryptoCobain. Behind the Lido DAO are a number of individuals and organizations that are well-regarded within the DeFi space. Since its inception in December 2020, shortly after ETH 2.0's release, the platform has been overseen by the Lido DAO, with several key members including Semantic VC, Chorus, ParaFi Capital, P2P Capital, Libertus Capital, Terra, StakeFish, Bitscale Capital, StakingFacilities, and KR1. Several of the highly esteemed angel investors include Stani Kulechov of Aave, Banteg of Yearn, Will Harborne of Deversifi, Julien Bouteloup from Stake Capital, and Kain Warwick from Synthetix.
Since then, Lido DAO has gained an impressive reputation for its liquid staking capabilities, and now boasts over $13 billion in staked assets. Its core focus is on Ethereum, yet its horizons are expanding to other blockchain networks including Terra and Solana, both of which launched staking capabilities in 2021, as well as several other layer 1 PoS blockchains.
Liquid Staking Made Simple
Lido DAO simplifies staking into a three-step process: deposit ETH, receive stETH, and start earning rewards automatically. When a user deposits ETH, the protocol delegates funds to a decentralized network of professional node operators. There are over 800 node operators worldwide, who manage validation securely and efficiently.
The stETH tokens received are liquid ERC-20 assets whose value increases over time as rewards accumulate. With one-click staking through Lido DAO’s interface, users can skip the hassle of running their own validator while enjoying a 98.2% validator performance.
How validator rewards are earned from staked assets
So, in order to stake ETH, become a validator and earn rewards for validating payments on the Ethereum platform, users are required to stake a minimum of 32 ETH tokens. What if I don’t have 32 ETH? You may ask. To bypass this minimum requirement and still earn rewards, Lido DAO allows users to stake a fraction of this amount and earn a proportionate amount of block rewards.
Users will then deposit ETH into the Lido smart contract and receive the same number of stETH. These tokens are minted once the funds have been received and are burned when the users withdraw their original ETH. The staked funds will then be distributed to the validators on the Lido network and deposited into the Ethereum Beacon Chain from where they will be secured in a smart contract.
The Lido DAO will then assign, onboard, support and enter the validators' addresses to the smart contract registry before being given a set of keys for the validation. All ETH that users have deposited on the Lido platform will be split into groups of 32 ETH among the active Lido node operators who will use this public validation key to validate transactions. The block rewards will then be shared proportionately.
Notably, this distribution process of sharing staked assets eliminates single-point-of-failure risks common among single-validator staking.

Your Liquid Staking Asset
At the center of Lido DAO’s system is stETH, the tokenized representation of staked ETH. stETH trades on major exchanges, offering deep liquidity and integration with several DeFi protocols. Staking rewards are earned automatically, so users never need to claim manually.
Users can stake any amount of ETH to the Beacon Chain without having to deal with lock-up requirements or withdrawal delays. This way Ethereum holders can enjoy both liquidity and yield simultaneously. For providing this staked ETH service, a 10% fee is collected by Lido for each process.
DeFi Integration Opportunities
For advanced users, stETH unlocks a wide range of yield optimization strategies. Lending platforms like AAVE accept stETH as collateral, while liquidity pools on CURVE and UNISWAP offer additional yield opportunities. Leveraged staking strategies also allow users to compound rewards further.
Proven Security
Security and safety are central to Lido DAO's success. Since the beginning, the protocol has undergone a dramatic array of independent audits, conducted by top-tier firms including Statemind, Certora, Hexens, Oxorio, MixBytes, and Ackee Blockchain.
Importantly, Lido DAO has never suffered a major protocol-wide hack. The protocol takes advantage of open-source code, multisig governance, and safeguards like GateSeal for emergency pauses, deposit security modules, and DAO oversight to anticipate and mitigate emerging threats. These layers of defense, combined with a multi-validator, geographically distributed network, reduce single points of failure.
What is Lido DAO token (LDO)?
Governance of the Lido DAO is powered by the LDO token, which grants voting rights to its holders. With a market capitalization of $1.14B and an all time high (ATH) price of $2.38 USD, LDO plays a central role in shaping the protocol’s future. Token holders vote on proposals, influence fee structures, and participate in selecting node operators. The governance community is highly active, with regular proposals and ongoing discussions that ensure the protocol evolves in a decentralized and transparent way.
How to buy Lido LDO?
Staking with Lido DAO is meant to be as accessible as possible. There are no minimum deposit requirements; end users can stake any amount of ETH. You can connect an Ethereum wallet, confirm the transaction, and receive stETH instantly.
If you're looking to expand your digital currencies portfolio, LDO tokens can be a potential addition. The Tap app provides an easy and secure way for anyone with an account to add these tokens to their portfolios in no time, making it one of the most effortless trading experiences around.
You can utilize the Tap app to access the Lido ecosystem by purchasing LDO tokens with either crypto or fiat currencies. End users can then choose to store their LDO tokens securely in the integrated crypto wallet or transfer them to the Lido platform and engage in the platform's earning potential. All you need to do to get started is download the app and create an account in minutes.

We are delighted to announce the listing and support of Ankr (ANKR) on Tap!
ANKR is now available for trading on the Tap mobile app. You can now Buy, Sell, Trade or hold ANKR for any of the other asset supported on the platform without any pair boundaries. Tap is pair agnostic, meaning you can trade any asset for any other asset without having to worries if a "trading pair" is available.
We believe supporting ANKR will provide value to our users. We are looking forward to continue supporting new crypto projects with the aim of providing access to financial power and freedom for all.
Ankr is playing an integral role in the adoption of Web3, providing growth and development opportunities for network stakers, app developers, and other participants in the DeFi space. 
Ankr is a decentralized Web3 infrastructure provider that facilitates the swift and effortless connection between developers, dapps, stakers, and blockchains. With Ankr's APIs & RPCs you can quickly build blockchain-based applications with confidence, stake on Ankr Earn as well as access custom solutions for any blockchain enterprise needs.
ANKR is Ankr's native cryptocurrency fueling the platform and is used as a payment method within the ecosystem. 
Get to know more about Ankr (ANKR) in our dedicated article here.
Playing an important role in the adoption of Web3, Enjin provides a platform of software products designed to allow anyone to harness the power of NFTs (non-fungible tokens) through the development, trade, monetization, and marketing of blockchain assets.
The Enjin Coin (ENJ) is the native utility and governance token of the Enjin ecosystem. For gamers, developers and investors alike, ENJ matters because it bridges real-world value with digital goods, offering a means to turn in-game items into tradable assets. In this article you’ll learn what ENJ is, how it works, its key use-cases, how to buy it, its tokenomics, investment considerations and how it stacks up against other gaming tokens.
What Is the Enjin Platform?
The Enjin platform is an ecosystem of interconnected, blockchain-based gaming products designed for individuals, game developers and businesses to create, manage and trade virtual goods such as digital art, games, or virtual marketplaces using the Ethereum blockchain. Enjin aims to provide users with the tools to implement smart digital solutions for blockchain games within the gaming environment.
Through the platform's software development kits (SDKs) and APIs, users can build digital assets as well as seamlessly integrate them into their games and applications.
Under the Enjin umbrella is the Enjin Network, a community gaming platform that allows users to create websites, chat, and host virtual stores. Over the course of a decade, the Enjin platform has accumulated over 20 million users.
The ecosystem binds together gaming communities, game-asset markets and blockchain infrastructure. For example, a developer might create a limited edition in-game sword, mint it using ENJ as backing, list it on the marketplace, players trade it, and the underlying ENJ can be melted or reused. For developers, Enjin provides monetisation tools. For gamers, it provides ownership and portability of digital items.
Powering the ecosystem is the Enjin Coin (ENJ), a token used to back the value of NFTs and other assets minted on the platform. When an asset is minted it locks ENJ tokens into a smart contract and effectively removes the tokens from circulation.
It’s also worth noting that Witek Radomski, Enjin's co-founder and the brainchild behind the ERC-1155 Ethereum token standard, wrote the code for the first non-fungible token (NFT). By utilizing its cutting-edge technology, Enjin is revolutionizing the future of gaming and digital assets.
Who Created Enjin?
Enjin was originally founded in 2009 as a gaming community platform by Maxim Blagov and Witek Radomski. Blagov took on the responsibility of being CEO and in charge of the platform's creative direction while Radomski took on the role of CTO, leading the technical development of the platform's products.
Following Radomski's interest in Bitcoin in 2012, the platform explored incorporating blockchain technology into its business model and embraced the world of tokenized digital assets.
Radomski went on to write the ERC-1155 token standard in June 2018, a token standard used for minting both fungible, semi-fungible and non-fungible tokens using the Ethereum network. This token standard is a critical building block in the platform’s design.
In 2017, the Enjin platform launched an initial coin offering (ICO), raising $18.9 million through ENJ token sales. A year later the project went live and in September 2019, the Enjin Marketplace was launched.
How Does Enjin Work?
The primary goal of the Enjin network is to facilitate the management and storage of virtual goods for games, anything from in-game currencies to unique in-game items. So, how does Enjin work? The process of creating and destroying these tokens involves five steps:
- Purchase
Developers purchase Enjin Coin. - Minting
In-game items are designed and effectively minted with the appropriate amount of ENJ locked into a smart contract. - Utilization
Players use these tokens within the game. - Trading
Players trade the tokens between fellow players or on the internal or external marketplace. - Melting
Players sell the tokens for Enjin Coin, referred to as melting. The token is destroyed and Enjin Coin is released from the smart contract. 
SDKs (software development kits) come into play here, with kits designed to fulfill certain functions, such as facilitating a payment platform or being wallet-focused. These kits are designed to minimize costs and simplify the process of creating these virtual goods. APIs (application programming interfaces) work alongside the SDKs to integrate these virtual goods (digital assets) into the game.
The Enjin platform utilizes JumpNet which is integrated with other products in the ecosystem, such as the Marketplace, Enjin Beam, and the Enjin Wallet to allow for gas-free transactions for ENJ and NFTs.
The Enjin ecosystem encompasses the Enjin smart wallet that allows players to store and trade their in-game items with ease. The Enjin wallet is designed to connect all the features, from managing inventory to conducting transactions and selling these tokenized digital assets for ENJ.
What is the Enjin Coin (ENJ)?
As we mentioned previously, Enjin Coin (ENJ) is the native token of the Enjin ecosystem. Built on the Ethereum blockchain and compatible with multiple gaming platforms, the Enjin Coin is an ERC-20 token that allows the in-game items created on the platform to be traded with real-world value. The ENJ token has a maximum supply of 1 billion coins.
The token also allows developers to mint these digital goods. The process requires the users to lock Enjin Coin (ENJ) into a smart contract that automatically assigns value to the in-game item. Players that later use these items can use them in the game, trade them or sell them for ENJ, equivalent to the original minting cost. Once sold, the item is destroyed (known as melting) and the ENJ that was locked in the smart contract is released to the seller.
How Can I Buy the Enjin Coin?
Anyone can tap into the Enjin ecosystem by acquiring ENJ tokens through the Tap mobile app. Simply create an account and complete the verification process in order to gain access to your unique Enjin wallet, from where you can buy, trade and sell Enjin Coin.
Fully licensed and regulated, Tap provides a secure and convenient means of managing your funds, allowing users to manage and store both crypto and fiat currencies in one location. With a wide range of supported currencies and services, Tap is revolutionizing the financial space.
Take advantage of the power of Enjin Coin on the Tap app - the ultimate platform to buy, sell or hold ENJ. With seamless integration and an intuitive interface, trading Enjin tokens has never been easier. Stay up-to-date with the latest market trends and keep your portfolio on track by monitoring the Enjin Coin price in real-time.
Bottom Line
Enjin Coin (ENJ) is more than just another cryptocurrency; it's the utility token powering a complete blockchain gaming ecosystem. It allows game studios to create, manage, and monetize digital assets, gives gamers true ownership and the ability to trade those assets, and offers investors exposure to where gaming, NFTs, and Web3 infrastructure converge.
That said, adoption rates, competition, and regulatory developments all play a role in ENJ’s future. If blockchain gaming, asset tokenization, and virtual economies interest you, ENJ presents a compelling option. Just make sure to do your research, evaluate the projects actually using it, and align any investment with your own goals and risk tolerance.
We're thrilled to share that our fintech company has just celebrated its third anniversary! It's been an incredible journey so far, and we're so grateful for the opportunity to serve our users every day.
When we first launched our platform three years ago, we had a clear mission in mind: to provide an innovative, user-friendly, and accessible way for people to manage their money, trade cryptocurrencies, and access financial services. It was a big goal, and we knew that we had a lot of hard work ahead of us.
But we were determined to succeed. Our small team of passionate and dedicated individuals worked tirelessly, day in and day out, to bring our vision to life. We poured our hearts and souls into this project, and we knew that we were onto something special.
Fast forward three years, and we're proud to say that we've come a long way. We've built a platform that we believe in, and we're constantly striving to improve it. We've listened to feedback from our users, and we've added new features and services that meet their needs. And we've built a community of passionate and engaged users who share our vision for a better way to manage their finance everyday. 
One of the things that sets our company apart is our commitment to transparency and user experience. We believe that managing your finances should be easy, intuitive, and stress-free. That's why we've built our platform to be as user-friendly as possible, with clear and straightforward interfaces that make it easy to manage your money and digital assets.
But our success wouldn't be possible without our amazing users. We're so grateful for your continued support, feedback, and encouragement. You've helped us to shape our platform into something truly special, and we're committed to continuing to serve you and improve our platform to meet your needs.
As we celebrate our third anniversary, we're excited to look back on how far we've come and to look forward to all the exciting things that the future holds. We're proud of what we've accomplished, but we know that there's always more work to be done. We're committed to continuing to innovate and improve, and we're grateful to have you along for the ride.
Thank you for being part of our journey. Here's to many more years of growth, success, and innovation!
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