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1. Bitcoin (BTC): The Digital Bedrock

Think of Bitcoin not just as a coin, but as a paradigm shift. Launched in 2009 by the anonymous Satoshi Nakamoto, its primary purpose was to create  digital gold —a decentralized, secure, and scarce asset that couldn't be manipulated by any central authority. Its core value proposition is its simplicity and resilience.

1- What It Is: A peer-to-peer electronic cash system and a store of value. Its supply is capped at 21 million coins, making it inherently resistant to inflation.

2- Real-World Use Case: For many, it's a long-term savings account. Investors are increasingly using it as a hedge against economic uncertainty and currency devaluation. While its use for daily purchases is growing, its primary role in 2025 remains as a foundational, value-holding asset.

3- A Note for Beginners: You no longer need to navigate complex wallets to get exposure. In the U.S., for example, SEC-approved Bitcoin ETFs (like those from BlackRock and Fidelity) allow you to buy and sell Bitcoin as easily as a stock through your brokerage account.

4- Outlook for 2025: Bitcoin continues to mature as a mainstream asset class. While it still experiences volatility, its position as the foundational pillar of the entire crypto market is more cemented than ever.

2. Altcoins: The Innovators and Challengers

Altcoin  is simply a catch-all term for any cryptocurrency that is not Bitcoin. This is where the vast majority of innovation happens. These projects attempt to improve upon Bitcoin's model or serve entirely different purposes, from powering global computational networks to revolutionizing supply chain management.

1- Ethereum (ETH): The most significant altcoin. It introduced "smart contracts"—self-executing code that powers decentralized applications (dApps). Think of it as the foundation for a new, decentralized internet (Web3). It's the bedrock upon which DeFi (Decentralized Finance) and the NFT ecosystem are built.

2- Solana (SOL): Known for its blistering speed and low transaction costs, Solana positions itself as a high-performance competitor to Ethereum, ideal for applications that require high throughput, like gaming and high-frequency trading.

3- Cardano (ADA): Takes a more methodical, research-driven approach to development. It has a strong focus on sustainability and creating real-world impact, with significant initiatives rolling out in developing nations, particularly in Africa.

3. Stablecoins: The Anchor in the Storm

If the volatility of Bitcoin and altcoins makes you nervous, stablecoins are your safe harbor. Their value is pegged, or  stable,  to a reserve asset, most often the U.S. dollar. For every unit of a stablecoin like USDC in circulation, there should be a corresponding U.S. dollar held in a bank account.

1- Why They're Essential: They are the lifeblood of the crypto economy. Traders use them to park funds without cashing out to fiat. They are the primary medium for lending and borrowing in DeFi. For people in countries with hyperinflation or strict capital controls, stablecoins like USDT can be a lifeline, offering a way to hold dollar-equivalent value and transfer it globally with relative ease.

2- A Word of Caution: Not all stablecoins are created equal. The collapse of TerraUSD (UST) in 2022 was a stark reminder that algorithmic stablecoins without proper collateral can be extremely risky. For most users, fully-backed and regularly audited stablecoins like USDC and USDT are the preferred choice.

4. Meme Coins: The Speculative Gamble

This is the wild, unpredictable frontier of crypto. Meme coins often start as internet jokes, with no fundamental utility, and derive their value purely from community hype and viral social media trends.

1- The Phenomenon: Coins like Dogecoin (DOGE) and Shiba Inu (SHIB) have generated life-changing returns for some early investors, creating an allure that is hard to ignore. Their movements are often directly tied to the tweets of influential figures like Elon Musk.

2- The Stark Reality: For every Dogecoin success story, there are thousands of meme coins that have plummeted to zero. Investing in them is not investing in technology or utility; it is speculating on crowd psychology. It's crucial to approach this sector with extreme caution and never commit more than an amount you are fully prepared to lose—think of it as entertainment spending, not a retirement strategy.

5. Utility Tokens: The Fuel for Digital Ecosystems

These tokens are not primarily meant to be held as investments; they are designed to provide access to a specific product or service within a blockchain network. They are the fuel  or the key  that makes a platform run.

1- Examples in Action:BNB: Originally created to pay for trading fees on the BYDFi  exchange, its utility has expanded to power the entire  BYDFi  Smart Chain, used for transaction fees, staking, and participating in token sales.Chainlink (LINK): This token powers a network of "oracles" that securely bring real-world data (like stock prices or weather data) onto the blockchain, a critical service for advanced smart contracts.Uniswap (UNI): This is a governance token, giving holders the right to vote on proposals that shape the future of the Uniswap decentralized exchange.

6. Privacy Coins: Guarding Your Financial Identity

While Bitcoin transactions are pseudonymous, they are recorded on a public ledger for anyone to analyze. Privacy coins like Monero (XMR) and Zcash (ZEC) use advanced cryptographic techniques to obscure transaction details, offering a level of financial privacy similar to physical cash.

1-Legitimate Uses: These coins are vital for journalists and activists operating under oppressive regimes, for businesses wanting to protect sensitive financial data from competitors, and for any individual who values financial privacy as a fundamental right.

2- The Regulatory Challenge: This very feature has placed privacy coins in the crosshairs of global regulators. Many centralized exchanges have chosen to delist them, making them harder to acquire but also underscoring their core value proposition.

7. Layer-2 & Infrastructure Coins: The Scalability Engineers

As blockchains like Ethereum became popular, they encountered a problem: network congestion and high fees. Layer-2 solutions are protocols built on top of a base blockchain (Layer-1) to improve its speed and efficiency.

1- What They Do: They handle transactions off the main chain and then batch them back onto it, relieving the congestion. This makes using the blockchain faster and drastically cheaper.

2- Leading Projects: Polygon (POL) and Arbitrum (ARB) are two major players in the Ethereum Layer-2 space, enabling faster and cheaper DeFi and NFT transactions. Celestia (TIA) is a more experimental  modular blockchain that aims to make launching new blockchains incredibly easy.

A Special Focus: Navigating the Markets with BYDFi

In a crowded field of crypto exchanges, BYDFi has carved out a distinct niche, particularly appealing to a global audience. Originally known as BitYard, it has rebranded and evolved into a comprehensive platform that emphasizes user experience and accessibility.

1- Global Accessibility: BYDFi serves users in over 150 countries, offering a wide range of services including spot trading, futures, and copy trading features. Its interface is designed to be intuitive for newcomers while still offering the advanced tools that experienced traders look for.

2- Educational Focus: Understanding that knowledge is power in this space, BYDFi places a strong emphasis on education through its BYDFi Learn  center, providing guides and market analysis to help users make more informed decisions.

3- Regulatory Standing: It's important for any user to conduct their own due diligence. BYDFi operates under regulations in the United States and Canada, but it's always crucial to check the latest regulatory status and available services for your specific region before engaging with any platform.

Crafting Your Personal Crypto Strategy

There is no one-size-fits-all approach. Your strategy should be a reflection of your own financial goals, risk tolerance, and interests.

1- If your goal is long-term, generational wealth building with a focus on relative safety, your portfolio should be heavily weighted toward Bitcoin.

2- If you're interested in the technology and future of the decentralized web, a core position in Ethereum, complemented by a few other promising altcoins or Layer-2 tokens, makes sense.

3- If you need a stable medium of exchange for trading or to protect against local currency instability, stablecoins are your primary tool.

4- And if you have a speculative streak and understand the risks, allocating a very small, discretionary portion of your portfolio to meme coins can be approached as a high-stakes gamble.

The most important rule, one that cannot be overstated, is to never invest more than you are absolutely willing to lose entirely. The crypto market is in its adolescence—it is innovative, exciting, and holds immense potential, but it is also volatile and unpredictable. Do your own research, start small, and focus on understanding the technology and the why  behind each asset. That knowledge will be your most valuable asset of all.

-  dApps: Apps built on blockchain, like Uniswap for trading or Aave for lending.

Step 2: Set Up a Crypto Wallet

A wallet like MetaMask or Trust Wallet is your gateway to web3 crypto. It stores your private keys and lets you interact with dApps.

Always back up your seed phrase and never share it. Security is critical in crypto web3.

Step 3: Buy Your First Cryptocurrency

Purchase crypto like Ethereum (ETH) or stablecoins (USDT, USDC) on exchanges like  BYDFi or Binance. These are your entry points to web3 crypto platforms.

Step 4: Explore Web3 Platforms

Try out DeFi protocols (e.g., Aave, Compound) or NFT marketplaces (e.g., OpenSea). These platforms showcase the power of web3 crypto through lending, trading, or tokenization of RWAs.

Step 5: Stay Safe and Informed

Scams are rampant in crypto web3, Stick to reputable projects, verify smart contracts, and use tools like Etherscan to track transactions.

If you’re googling “best web3 crypto,” look for projects with strong communities, transparent teams, and real-world use cases, like Chainlink (for data oracles) or Polygon (for scaling Ethereum).

Why Now Is the Time to Invest in Web3 Crypto

The web3 crypto space is still in its early stages, much like the internet in the 1990s. Early adopters who invested in Bitcoin or Ethereum a decade ago reaped massive rewards.

Today, tokenization, RWAs, and DeFi are creating similar opportunities.

Don’t just wonder “how to invest in web3 crypto”—take action! Start with a small investment, educate yourself, and explore dApps to see Web3 in action. The future is decentralized, and you can be part of it.

Your Journey into Web3 Crypto Starts Here

From understanding what is web3 in crypto to discovering the best web3 crypto projects, you’re now equipped to explore this transformative space. Whether you’re here for web3 crypto onboarding, seeking web3 crypto education, or ready to invest, the key is to start small, stay curious, and prioritize security.

Ready to dive deeper? Follow our blog for more crypto web3 tips, or join the conversation on X to connect with the Web3 community.

What’s your next step in the web3 crypto revolution? Let us know in the comments!

Best Web3 Crypto Projects to Watch (2025 Edition)

Final Thoughts:

Web3 crypto is not a passing trend.

It’s the foundation for a new digital economy—an internet where YOU are in control.

If you're still wondering “what is Web3 in crypto?” or “how do I invest in Web3?”—this is your signal to go deeper.

The earlier you learn, explore, and get involved, the more upside you unlock—financially and professionally.

Ready to explore Web3 crypto with confidence?
Join BYDFi — your gateway to beginner-friendly crypto trading, secure wallets, and the latest Web3 opportunities. Whether you’re buying Ethereum, diving into DeFi, or exploring tokenized real-world assets, BYDFi offers easy tutorials, expert insights, and a trusted platform to start your journey.

Start your Web3 adventure today with BYDFi — where crypto meets simplicity.

Crypto lending is entering a new phase in 2025, and Nexo is positioning itself at the center of this transformation. The company has officially launched a zero-interest crypto lending product for Bitcoin and Ether holders, offering a structured alternative for users seeking liquidity without selling their long-term holdings.

The move reflects a broader shift in the digital asset lending market, where predictability, transparency and risk control are becoming more important than aggressive yields or speculative leverage. By removing interest costs altogether, Nexo aims to attract long-term BTC and ETH holders who want access to capital while maintaining exposure to potential price appreciation.

How Nexo’s Zero-Interest Credit Works

Nexo’s new product, known as Zero-Interest Credit, is built around fixed-term lending rather than open-ended borrowing. Users begin by selecting both the loan size and duration in advance, ensuring that all conditions are clearly defined before the loan is activated.

Once the loan is issued, borrowers are not exposed to liquidation risk during the loan term. This is a key distinction from traditional crypto-backed loans, which often rely on continuous margin monitoring and forced liquidations during periods of market volatility. Instead, Nexo locks in the structure until maturity, allowing users to plan with confidence regardless of short-term price fluctuations.

At the end of the loan term, borrowers can settle their obligations using stablecoins or, if preferred, by allocating part of their pledged collateral. Depending on market conditions, users may also choose to renew the loan under updated terms, extending access to liquidity without disrupting their overall crypto strategy.

Expanding a Proven Structured Lending Model

While the zero-interest offering is new for retail users, the underlying structure is not untested. Nexo previously made this lending model available through its private and OTC channels, where it facilitated more than $140 million in borrowing throughout 2025.

That earlier success demonstrated strong demand from institutional and high-net-worth clients for fixed-term, non-liquidating loan structures. By expanding the product to Bitcoin and Ether holders more broadly, Nexo is bringing institutional-style financial engineering to a wider audience.

This approach aligns with the growing maturity of the crypto market, where users increasingly prioritize capital preservation and long-term planning over short-term speculation.

Nexo’s Strategic Comeback and Global Footprint

Founded in 2018, Nexo has grown into one of the most recognized crypto financial services platforms, offering lending, trading and savings products across more than 150 jurisdictions. Like many centralized lenders, the company faced significant challenges during the crypto market downturn of 2022.

In April 2025, Nexo announced plans to reenter the US market after withdrawing in late 2022. This followed a $45 million settlement with the US Securities and Exchange Commission in early 2023, resolving regulatory disputes related to its previous products. The company’s return to the US signals renewed confidence in its compliance framework and long-term strategy.

The launch of zero-interest crypto loans further reinforces Nexo’s efforts to rebuild trust and position itself as a regulated, transparent and resilient player in the evolving digital finance ecosystem.

The Revival of Crypto Lending in 2025

Crypto lending has undergone a dramatic transformation since the collapse of several major platforms in 2022. Companies such as Celsius and BlockFi were widely criticized for risky lending practices that amplified market contagion during the fallout from the FTX collapse.

In response, both centralized and decentralized lenders have redesigned their models around full collateralization, stricter risk controls and clearer user protections. By 2025, this more conservative approach has helped restore confidence across the sector.

Centralized platforms including Nexo, Ledn, Xapo Bank and Coinbase have expanded their lending offerings while emphasizing transparency and sustainability. At the same time, decentralized finance has experienced a strong resurgence driven by improved protocol design and growing institutional participation.

DeFi Lending Growth and Market Leaders

According to data from DefiLlama, DeFi lending total value locked rose from approximately $48 billion at the start of 2025 to a peak of nearly $92 billion in early October. Although the market experienced a temporary decline following a major liquidation event later that month, activity stabilized in November, with total lending TVL currently standing at around $66 billion.

Aave remains the dominant force in decentralized lending, supporting more than $22 billion in outstanding loans backed by over $55 billion in deposited assets. Morpho ranks as the second-largest protocol, facilitating roughly $3.6 billion in loans with approximately $10 billion in supplied liquidity.

These figures highlight the scale and resilience of crypto lending in its current form, particularly when compared to earlier, more fragile market cycles.

What Zero-Interest Loans Mean for Long-Term Crypto Holders

For Bitcoin and Ether holders, Nexo’s zero-interest lending product offers a compelling alternative to selling assets during periods of market uncertainty. By unlocking liquidity without interest costs or liquidation pressure, users can fund expenses, reinvest capital or diversify portfolios while maintaining long-term exposure to core crypto assets.

As the crypto lending industry continues to mature, products like Zero-Interest Credit may represent the next step toward sustainable, user-centric financial services. Rather than chasing yield, platforms are increasingly focused on stability, structure and real-world usability.

Nexo’s latest move suggests that the future of crypto lending will be defined not by risk-taking, but by disciplined financial design tailored to long-term investors.

Explore Smarter Crypto Lending and Trading with BYDFi

While platforms like Nexo continue to innovate in crypto-backed lending, traders and long-term investors looking for greater flexibility can explore BYDFi as a powerful alternative. BYDFi offers a secure and user-friendly environment for trading Bitcoin, Ethereum and a wide range of digital assets, with advanced tools designed for both beginners and professional traders.

With deep liquidity, competitive fees and support for spot and derivatives trading, BYDFi allows users to manage risk efficiently while taking advantage of market opportunities. The platform also emphasizes transparency and robust security standards, making it an attractive choice for those seeking reliable crypto exposure without unnecessary complexity.

As crypto finance evolves toward more structured and sustainable models, BYDFi stands out as a platform built for long-term growth, strategic trading and responsible capital management.

Ethereum is making waves again in the crypto world with its latest network upgrade. Developers have implemented the second Blob Parameter-Only (BPO) hard fork, raising the blob limit from 15 to 21. This change, which went live on Wednesday at exactly 1:01:11 UTC, is designed to dramatically improve transaction speed and efficiency. By enabling more transactions to be batched via rollups, Ethereum is becoming increasingly capable of handling high network demand while keeping transaction costs lower and the network less congested.

Understanding How the Second BPO Hard Fork Increases Ethereum’s Data Capacity and Expands Block Throughput to Support Growing Network Activity

The second BPO hard fork not only raises the blob limit but also increases the blob target from 10 to 14. While the maximum limit of 21 blobs defines the absolute capacity of a block, the target number is a more critical indicator for network stability. Exceeding the blob limit too often could strain node bandwidth and storage, potentially slowing down performance. Each blob unit holds 128 kilobytes of data, meaning Ethereum can now store up to 2,688 KB per block. This increase significantly boosts Ethereum’s throughput, allowing more transactions to be processed in a single block and providing a smoother experience for users and developers alike.

How Blobs Contribute to Stabilizing Ethereum Mainnet Gas Fees While Increasing Layer 2 Efficiency  

Blobs are essential for Ethereum’s long-term scalability, as they reduce congestion on the mainnet and improve fee stability. Since the first BPO hard fork on December 9, 2025, Ethereum’s transaction fees have become noticeably more predictable, according to YCharts data. This stability benefits traders, developers, and users of decentralized applications by providing more reliable costs and reducing the risk of sudden fee spikes. Layer 2 solutions also benefit, as blobs allow more efficient rollups, making batch transactions cheaper and faster than ever.

Exploring Ethereum’s Proposed Gas Limit Raise From 60 Million to 80 Million and How It Could Unlock

During the Ethereum All Core Developers meeting on December 15, discussions focused on increasing the gas limit from 60 million to 80 million. Raising the gas limit would allow more transactions and smart contract operations per block, directly increasing network throughput and efficiency. This upgrade would make Ethereum even more cost-effective for users and developers, paving the way for larger-scale decentralized applications and more seamless smart contract execution. It represents another step toward Ethereum’s long-term vision of a highly scalable, low-fee blockchain.

Glamsterdam Hard Fork and the Introduction of Perfect Parallel Processing: Turning Ethereum Into a Multi-Lane Highway for Transactions in 2026

Ethereum’s future upgrades promise even more revolutionary improvements. The Glamsterdam hard fork, scheduled for later in 2026, will enable perfect parallel processing, transforming Ethereum from a single-lane blockchain into a multi-lane transaction network. This upgrade, implemented through Ethereum Improvement Proposal-7928, will allow blocks to handle multiple transactions simultaneously, massively increasing throughput. In addition, the gas limit could rise to 200 million, accommodating far more operations per block. These innovations are designed to make Ethereum faster, cheaper, and more efficient for everyone, from individual traders to large-scale developers.

Why These Network Upgrades Are Critical for Ethereum’s Long-Term Growth, Mass Adoption, and the Future of Decentralized Finance

Ethereum’s roadmap is clearly focused on scalability, affordability, and efficiency. With the BPO hard forks and the upcoming Glamsterdam upgrade, the network is preparing for growing demand from both retail users and institutional participants. These improvements will enable faster transaction speeds, lower fees, and higher reliability for decentralized applications, layer 2 solutions, and smart contract operations. As Ethereum evolves, it is positioning itself as the leading platform for decentralized finance, gaming, NFTs, and beyond, offering a robust foundation for the next generation of blockchain technology.

Take your crypto journey to the next level with BYDFi, the platform designed to help you trade Ethereum and other top cryptocurrencies securely, efficiently, and effortlessly. With Ethereum’s scalability upgrades transforming the network, now is the perfect time to explore new trading opportunities and stay ahead in the rapidly evolving crypto ecosystem.

The architecture of digital asset investment has been fundamentally reshaped. In a watershed moment for the United States financial markets, Grayscale Investments has declared its inaugural cash distribution derived from Ethereum staking rewards to shareholders of its Grayscale Ethereum Trust ETF (ETHE). This landmark event marks the first time a U.S.-listed spot crypto exchange-traded product has scheduled a payout directly linked to the foundational, on-chain mechanics of a proof-of-stake blockchain, transforming a cryptographic process into a tangible income stream for the mainstream investment portfolio.

The Mechanics of a Market First

This pioneering distribution, scheduled for payment today, will see shareholders of record receive an estimated $0.08 per share. The genesis of this capital is critical: it does not originate from traditional market trading, fund management fees, or corporate profits. Instead, it flows directly from the process of validating transactions and securing the Ethereum network. Following its activation of staking capabilities on October 6th, Grayscale has been committing a portion of the fund’s Ether holdings through institutional-grade custodians and third-party validator providers. The rewards earned in Ether for this service are systematically sold and converted into U.S. dollars, creating this novel cash distribution.

Bridging Crypto-Economics and Traditional Finance

This structure represents a significant bridge between two financial worlds. For the individual investor, it manifests as a familiar dividend-like payout, deposited directly as cash. Behind the scenes, however, it is powered by the innovative, protocol-level incentives of decentralized blockchain technology. Grayscale’s ability to offer this feature stems from the specific regulatory structure of its trust products, which operate outside the conventional Investment Company Act of 1940 that governs most ETFs. This framework allows for greater flexibility in activities like staking, while also carrying a distinct set of investor protections and considerations compared to traditional exchange-traded funds.

Immediate Market Validation and Grayscale’s Pioneering Role

The market’s response to the announcement was immediately positive, with the ETHE fund experiencing an uptick of approximately 2% in early trading sessions. This investor enthusiasm underscores the demand for products that offer not only exposure to digital asset price appreciation but also to the underlying yield-generating mechanisms native to these ecosystems. Grayscale, a digital asset manager founded in 2013 and now overseeing a formidable $31 billion in assets under management, has consistently positioned itself at the forefront of accessible crypto investment. Its dual offering of the ETHE fund and the more recently launched Grayscale Ethereum Mini Trust ETF (ETH) now provides the only U.S.-listed vehicles where investors can gain staking-adjacent exposure to Ethereum.

The Gathering Storm: A Looming Wave of Staking-Enabled ETF Competitors

While Grayscale enjoys the distinction of issuing this historic first payout, its first-mover advantage may be challenged in the near future. The success of the initial batch of spot Ether ETFs has catalyzed intense activity among the world’s largest asset managers, all seeking to enhance their own products with staking functionality. The regulatory pathway is already being paved.

Cboe BZX Exchange took a significant step in March by filing a proposed rule change seeking approval to allow the Fidelity Ethereum Fund to stake a portion of its assets. This filing followed a similar move in February for the 21Shares Core Ethereum ETF. These proposals explicitly outline plans to stake Ether through trusted, third-party providers, mirroring Grayscale’s operational model.

Perhaps the most significant signal of the sector’s direction came in November, when BlackRock, the global asset management behemoth, registered a  Staked Ethereum  exchange-traded fund with the state of Delaware. This is a critical procedural step that strongly indicates BlackRock’s intention to launch a staking-enabled product to sit alongside its existing, massively successful iShares Ethereum Trust ETF (ETHA). With ETHA currently managing over $11.1 billion in assets—making it the largest spot Ether ETF by a wide margin—the potential entry of BlackRock into the staking arena represents a formidable shift in competitive dynamics.

A Transformative Chapter in Crypto Asset Management

The declaration of this staking payout arrives as U.S. spot Ether ETFs conclude their first full calendar year of trading—a year that can only be described as resoundingly successful. Since their debut in July 2024, these funds have collectively attracted a staggering $9.6 billion in net inflows, amassing roughly $18 billion in total assets under management, as tracked by CoinMarketCap.

The leaderboard is clearly defined: BlackRock’s iShares Ethereum Trust (ETHA) leads with ~$11.1B, followed by Grayscale’s ETHE at ~$4.1B, and the Grayscale Ethereum Mini Trust at ~$1.5B. Grayscale’s strategic move to activate and now distribute staking rewards can be seen as a powerful differentiator in this competitive landscape.

Looking Ahead: The Convergence of Capital and Protocol

This development is far more than a simple dividend announcement; it is a tangible indicator of the deepening convergence between traditional capital markets and decentralized crypto-economic systems. It validates a model where the passive ownership of a digital asset through a regulated security can generate a return based on the asset’s utility within its native network.

The question for the market is no longer if staking will become a standard feature of future digital asset ETPs, but when and how quickly the regulatory approvals will cascade for other issuers. Grayscale has lit the fuse. The industry now watches with bated breath to see which financial giant will follow, potentially igniting a new race to offer investors the most efficient and rewarding gateway to the yield-generating potential of the blockchain era. The age of the yield-bearing digital security has officially begun.

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