DeFi

This guide explores the Web3 lending landscape, covering overcollateralized lending, credit-based lending, flash loans, and real-world asset (RWA) lending. Learn about the key mechanisms, leading projects, and emerging trends that are shaping the future of decentralized finance (DeFi) and global lending markets.

Syrup Finance is a yield platform built on Maple Finance’s lending infrastructure, offering stable returns and SYRUP token rewards. Users can earn yields by depositing USDC or USDT and enhance rewards with a 3- or 6-month commitment period. Additionally, Syrup supports SYRUP staking for extra rewards and integrates with Pendle for more yield opportunities. Moreover, the SYRUP token serves as the core of the Syrup ecosystem, enabling transactions, staking, and governance functions.

Click to learn about Aperture Finance, the project championing the dawn of AI-powered intents.

Find out about Cream Finance’s lending and borrowing platform.

This article introduces the concept of Regenerative Finance (ReFi), its market potential, application scenarios, operational mechanisms, and noteworthy projects. It also compares ReFi with DeFi, exploring its future development trends and potential risks.

The core idea of ​​3Jane is to integrate on-chain and off-chain credit data and issue loans based on the user's comprehensive credit instead of simply based on part of the on-chain assets. In other words, users can use DeFi assets, CEX assets, bank assets, and future cash flow as the basis for credit evaluation, and obtain loans without collateral.

DeepSeek is a suite of large language models (LLMs) that came to the limelight due to its cost-effective model and open-weight architecture. It helps developers build AI agents that streamline processes in the crypto ecosystem.

Hegic (HEGIC) is an on-chain options trading protocol on Arbitrum, enabling decentralized, non-custodial options contracts for crypto assets.

Discover Henlo ($HENLO), a community-driven memecoin on Berachain, integrating GameFi, DeFi, and NFTFi. Learn about its origins, tokenomics, and investment potential.

Universal Protocol is a wrapped asset protocol that enables seamless trading of any token across multiple chains, solving liquidity fragmentation.

At the Tokenize Summit in New York, Ethena, a leading synthetic dollar protocol, and Securitize, an asset tokenization platform, announced the upcoming launch of Converge, a blockchain network tailored for institutional investors. This initiative is designed to serve as the "settlement layer between traditional finance and digital dollars." It will enable a smooth transition of existing smart contracts and decentralized applications (DApps) thanks to its seamless compatibility with the Ethereum Virtual Machine (EVM), with an official launch scheduled for the second quarter of 2025.

USDD 2.0 marks a significant shift in stablecoin design, moving away from its earlier model toward architecture centered on overcollateralization and reserve backing. This upgrade not only responds to growing market concerns around stablecoin security, but also reshapes its risk structure and practical use cases.

The core differences between USDD and USDT lie in their issuance models, stabilization mechanisms, and risk structures. USDD is an overcollateralized stablecoin with higher yield potential, while USDT is issued by a centralized entity and backed by fiat reserves, relying on redemption mechanisms and market trust to maintain its peg. USDT offers stronger liquidity but comes with regulatory and custodial risks. Each serves different user needs: USDT is better suited for trading and hedging, while USDD is designed for DeFi yields and on-chain applications.

Catton AI is an innovative gaming protocol that uses blockchain and AI technology to create a dynamic idle gaming ecosystem. Players can earn rewards as their NPC whiskers engage in battles, progress through higher stages, and complete various in-game tasks.

This article explores the basic concepts, core technologies, application cases, challenges, and future development trends of DeSci to help readers fully understand the prospects of this emerging field.