fundraising-project

🇺🇸 FED DATA: EVEN HIGH-INCOME AMERICANS ARE FALLING BEHIND ON DEBT Making six figures? That's no longer a shield from financial stress. Delinquencies among those earning $150K+ have jumped nearly 20% in two years, according to VantageScore. In fact, high-income ZIP codes are ,

The recent report from the bank for international settlements points out that stablecoins do not meet the key criteria to become a pillar of the financial system, including uniqueness, resilience, and integrity. Despite their advantages in technology and cost, they may still pose risks to the global financial system. Furthermore, the report emphasizes the potential of tokenization but believes that stablecoins are currently not mature enough.

The article analyzes the dynamics of the Web3 market and hot projects, mentioning Goldman Sachs' downgrade of the Fed's interest rate cut expectations, as well as the United States' delay in implementing crypto assets tax policies. It emphasizes Syria's use of Bitcoin to boost the economy and the impact of well-known entrepreneurs' social media behavior on the crypto market. At the same time, it introduces the T3AI project, which aims to solve loan collateral issues through AI-driven Decentralized Finance protocols. Overall, it reflects market changes and project innovations.

Cross-chain transactions face challenges such as security, high Gas fees, and operational complexity. The ERC-7683 standard has emerged to simplify cross-chain processes, enhancing speed and security. This standard optimizes user experience through standardized APIs, but more active supporters are needed to address the issue of insufficient liquidity. Ethereum founder Vitalik Buterin has expressed support for it, indicating that it will play an important role in the Web3 era.

Encryption payment development trend: the key to breaking through the "last mile" Encryption payments are gradually entering the practical application stage, with payment methods centered around stablecoins quietly emerging. According to a 2024 report from a certain data platform, the platform processed over 1.6 million encryption payment transactions, of which 35.5% were completed using stablecoins. At the same time, many traditional payment giants are also entering this field. However, although encryption payments technically have the ability to function as payment methods in real life, widespread adoption still faces the "last mile" challenge. A research institution predicts that between 2024 and 2026, the number of encryption payment users in the United States will increase by 82%, but the usage rate will only increase by about 20%, reaching 39.1%. Globally, it is estimated that by 2026, only 2.6% of users will utilize encryption payments. The formation of this situation has multiple reasons. Let's delve into encryption.