Lending

Lending protocols form the backbone of the decentralized money market, allowing users to lend or borrow digital assets without intermediaries. Using smart contracts, platforms like Aave and Morpho automate interest rates based on supply and demand while requiring over-collateralization for security. The 2026 lending landscape features advanced permissionless vaults and institutional-grade credit lines. This tag covers the evolution of capital efficiency, liquidations, and the integration of diverse collateral types, including LSTs and tokenized RWAs.

14461 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Why SHIB Investors Are Cashing Out Profits & Betting Big On Layer Brett

Why SHIB Investors Are Cashing Out Profits & Betting Big On Layer Brett

The post Why SHIB Investors Are Cashing Out Profits & Betting Big On Layer Brett appeared on BitcoinEthereumNews.com. Crypto News 12 September 2025 | 14:15 The meme coin market is shifting once again, and Shiba Inu price discussions are heating up as holders decide whether to stay in or rotate into newer tokens. While SHIB remains one of the biggest names in the space, many early investors are beginning to take profits and explore higher-upside opportunities. One token that’s gaining serious attention this month is Layer Brett (LBRETT), a new Ethereum Layer 2 meme coin that’s blending strong community hype with staking rewards and real blockchain infrastructure. With SHIB’s price action slowing down in recent months, traders are asking: is Layer Brett the next big 100x play? Shiba Inu Price struggles to break out in 2025 Shiba Inu (SHIB) became a legend in the 2021 bull run, turning small early investments into massive life-changing gains. Its success was driven by social media hype, meme culture, and a vibrant community. Over time, the project introduced Shibarium, its own Layer 2 solution, to improve scalability and reduce gas fees. Despite these innovations, Shiba Inu price performance has cooled in 2025. The token has mostly traded sideways, showing limited volatility or upside momentum in recent months. While long-term holders still back SHIB’s future, some are starting to shift capital toward newer, more agile meme tokens that offer staking, gamification, and early-stage growth potential. Layer Brett gains steam with staking rewards and Layer 2 speed Layer Brett (LBRETT) is quickly becoming a favorite among meme coin hunters looking for the next Dogecoin or Shiba Inu-style breakout. Built on Ethereum Layer 2, it provides low fees and fast transactions, paired with viral meme energy and real token utility. The token is currently in presale at a fixed price of $0.0055, and it has already raised over $3.4 million from early investors. One of…

Author: BitcoinEthereumNews
Zebec Network expands its payroll ecosystem with Payro Finance partnership

Zebec Network expands its payroll ecosystem with Payro Finance partnership

The post Zebec Network expands its payroll ecosystem with Payro Finance partnership appeared on BitcoinEthereumNews.com. Zebec Network has expanded its payroll capabilities by partnering with Payro Finance to integrate on-demand payroll lending. Summary Zebec Network has partnered with Payro Finance to integrate real-time stablecoin payroll with instant on-demand payroll loans. The Payro collaboration follows Zebec’s TurnkeyHQ integration, which allows employees to receive stablecoin salaries directly within their payroll dashboards. Zebec has recently enhanced compliance with SOC 2 certification and is pursuing MiCA and ISO 27001 standards to support global payroll operations. Zebec Network (ZBCN) today announced a strategic partnership with Payro Finance, a payroll-focused funding solution licensed and compliant across all 50 U.S. states, to integrate real-time stablecoin payroll with on-demand payroll lending. The integration builds on Zebec’s existing payroll platform, which already allows companies to stream salaries in real-time using USDC stablecoin. By incorporating Payro’s lending tools, Zebec’s clients can now access instant payroll loans to cover short-term cash flow gaps, ensuring employees are paid on time regardless of financial constraints. Zebec and Payro will host an upcoming Spaces on X to discuss the partnership and its impact on global payroll solutions. Zebec Network continues to expand its payroll ecosystem Zebec’s latest partnership with Payro Finance comes on the heels of another collaboration in its payroll ecosystem. A couple of days ago, Zebec announced that it had partnered with TurnkeyHQ to power embedded wallet infrastructure in its integrations with major U.S. payroll systems. Through Turnkey, employees can receive salaries in stablecoins directly within their payroll dashboards, alongside traditional bank transfers. In addition to its growing partnership network, including recent deals with Gatenox and the acquisition of Science Card, Zebec is actively strengthening compliance efforts. The company is now SOC 2-compliant, joining a select group of crypto projects that have reached this standard. Zebec is also pursuing MiCA compliance under the EU framework and targeting…

Author: BitcoinEthereumNews
Best Altcoins to Invest In Today as September Rate Cut Chances Rise to 100%

Best Altcoins to Invest In Today as September Rate Cut Chances Rise to 100%

The post Best Altcoins to Invest In Today as September Rate Cut Chances Rise to 100%  appeared on BitcoinEthereumNews.com. With September rate cut possibilities rising to effectively a done deal, investors are shifting their focus to coins that will benefit from more accommodative monetary conditions. As much as Ethereum remains a markets sentiment indicator, all focus is now on Mutuum Finance (MUTM), a new altcoin set to shake up decentralized lending and liquidity. Mutuum Finance successfully conducted five presale rounds, and round six is live with the token price of $0.035.  Investors that acquire tokens during this time will have a tremendous ROI when the coin starts public trading. Presale has 16,220 backers till date and has already raised more than $15.6 million in funds. Ethereum Hovers Steadily Amid Rumors of Rate Cut Ethereum (ETH) stands at $4,314, with trading volumes between $4,279 and $4,379 over the last 24 hours. As odds of a September rate cut are almost a done deal, ETH remains a sentiment indicator, and analysts see looser monetary conditions as spurring further inflows into digital tokens. As Ethereum finds a home in this range, market watchers are also keeping an eye on how shifting liquidity conditions can impact budding platforms like Mutuum Finance. Mutuum Finance Launches $50,000 Bug Bounty Program Mutuum Finance (MUTM) is partnering with CertiK to roll out a Bug Bounty Program for security researchers, experts, and developers. The protocol compensates the users who find and report any bug against the project’s security. The payment for the reward changes based on the level of severity in each bug, with minor to major severities being compensated for. The highest amount that one can receive is $50,000 in USDT. All this does is keep the website secure, safeguarding the visitors, and gaining the trust of the investors. Besides the bug bounty, Mutuum Finance has also initiated a $100,000 giveaway to encourage early adoption, increase the…

Author: BitcoinEthereumNews
McQueen Or Dior, Lauren Lepire Will Help You Fall In Love With Vintage

McQueen Or Dior, Lauren Lepire Will Help You Fall In Love With Vintage

The post McQueen Or Dior, Lauren Lepire Will Help You Fall In Love With Vintage appeared on BitcoinEthereumNews.com. Lauren Lepire, the original Timeless Vixen. PHOTO CREDIT: Douglas Walker Courtesy of Lauren Lepire When Kameron Lennox, the recent Emmy winner (with Betsy Glick and Tyler Kinney) of the Outstanding Contemporary Costumes for a Series for her work as costume designer for The Studio, was a nominee, she came to Lauren Lepire, owner of the exquisite Los Angeles vintage store, Timeless Vixen, to decide what to wear for the big night. When she told me about the experience, Lauren described it as her chance to have a ‘Fairy Godmother’ moment. “She was in Timeless Vixen,” Lepire said to me with a smile in her voice that conveyed her well-earned pride. “She wanted a story, something with life to it. There is something very special about wearing a couture piece that’s one of a kind. A person that could find anything, who could have anything made; what they want is something special, with a life and a story. I think that’s what it is about vintage, this stuff is special.” Kameron Lennox (L), Betsy Glick (M), Tyler Kinney (R) at the 2025 Creative Arts Emmy Awards on September 06, 2025 in Los Angeles, California. (Photo by Michael Buckner/Variety via Getty Images) Variety via Getty Images When you want something one of a kind, a garment with a story, high-end vintage is often the best way to go and going vintage is always a sustainable choice. But if you don’t believe us, look at Lennox’s backlist, tell me she couldn’t source pretty much anything a lady might dream about wearing. But for her special night, she chose vintage. (Excellent work on the show Kameron, btw.) “We sold a dress to Law Roach, who will be styling Ariana Grande. They were looking for many, many looks for her and he wants to do…

Author: BitcoinEthereumNews
Why Based Eggman $GGs Is Emerging Among Top Presale Crypto Projects Next to SHIB

Why Based Eggman $GGs Is Emerging Among Top Presale Crypto Projects Next to SHIB

The post Why Based Eggman $GGs Is Emerging Among Top Presale Crypto Projects Next to SHIB appeared on BitcoinEthereumNews.com. Crypto News 12 September 2025 | 11:59 Based Eggman $GGs is gaining traction in 2025 as one of the best crypto presales to buy right now. Learn how this presale crypto compares with SHIB in market sentiment and growth. The crypto market in 2025 is shaped by both innovation and legacy. New crypto token presales are attracting attention with creative ecosystems, while established tokens like Shiba Inu (SHIB) continue to dominate through recognition and liquidity. Among the top crypto presales, Based Eggman $GGs has stood out for its gaming-driven infrastructure and unique cultural narrative. At the same time, SHIB remains a strong presence in the meme coin sector, supported by a loyal community and consistent market activity. Together, they highlight how presale crypto tokens and established meme assets define the evolving landscape of altcoins. Based Eggman ($GGs): Building Playable Power Based Eggman $GGs has become one of the best crypto presales to buy right now due to its blend of gaming, memes, and blockchain utility. The project introduces Based Eggman as both a cultural mascot and a functional gateway into Web3. Unlike many meme tokens, $GGs integrates multiple layers of engagement. The ecosystem includes on-chain gaming, streaming platforms, trading tools, and DeFi features. This creates a hub where every action—whether playing, streaming, or trading—revolves around the $GGs token. Inspired by Brian Armstrong’s forward-thinking approach and the playful chaos of Dr. Eggman, the lore connects to both culture and usability. Presale data underscores strong momentum. More than 71,049 USDT has been raised, with over 9 million tokens sold at a presale entry price of $0.006389. These results place $GGs firmly among the top crypto presales of 2025, proving how crypto coins on presale can merge cultural energy with functional blockchain mechanics. Shiba Inu (SHIB): Market Sentiment Shiba Inu continues to hold…

Author: BitcoinEthereumNews
Shiba Inu: Why Based Eggman $GGs Is Emerging Among Top Presale Crypto Projects Next to SHIB

Shiba Inu: Why Based Eggman $GGs Is Emerging Among Top Presale Crypto Projects Next to SHIB

The crypto market in 2025 is shaped by both innovation and legacy. New crypto token presales are attracting attention with […] The post Shiba Inu: Why Based Eggman $GGs Is Emerging Among Top Presale Crypto Projects Next to SHIB appeared first on Coindoo.

Author: Coindoo
How to Build Crypto Portfolio: A Step-by-Step Guide

How to Build Crypto Portfolio: A Step-by-Step Guide

Learn how to build a balanced crypto portfolio in 2025 with clear goals, diversification, risk control, and passive income strategies.

Author: Blockchainreporter
Pudgy Penguins Solana Partnership: A Revolutionary Leap for Digital Asset Management

Pudgy Penguins Solana Partnership: A Revolutionary Leap for Digital Asset Management

BitcoinWorld Pudgy Penguins Solana Partnership: A Revolutionary Leap for Digital Asset Management The digital asset world is buzzing with exciting news: Pudgy Penguins, a prominent name in the NFT space, has forged a strategic alliance with Sharps Technology (STSS), a Nasdaq-listed innovator. This groundbreaking Pudgy Penguins Solana partnership marks a significant step towards integrating beloved digital intellectual property with institutional-grade financial strategies on the Solana blockchain. It signals a maturing market where unique digital brands are finding new pathways into traditional finance. What Does the Pudgy Penguins Solana Partnership Mean for Digital Assets? Under this pivotal agreement, Pudgy Penguins’ unique intellectual property (IP) will be woven into Sharps Technology’s sophisticated institutional-grade Solana asset management strategy. This isn’t Sharps’ first venture into the Solana ecosystem; the company previously adopted a strategic investment plan specifically focused on Solana (SOL). Therefore, this collaboration deepens their commitment to the high-performance blockchain. The integration aims to leverage the widespread appeal of the Pudgy Penguins’ brand to innovate within traditional finance. It offers new avenues for growth and adoption in the crypto space by blending cultural relevance with robust financial infrastructure. This move highlights a growing trend of real-world utility for digital assets beyond simple collectibles. Unpacking the Benefits of this Revolutionary Pudgy Penguins Solana Collaboration This partnership brings a multitude of potential advantages to both entities and the broader crypto market. For Sharps Technology, it introduces a fresh, recognizable brand to its institutional offerings, potentially attracting a new demographic of investors interested in the convergence of digital culture and finance. Key Benefits Include: Enhanced Brand Visibility: Pudgy Penguins gains exposure to traditional financial markets through Sharps Technology’s established presence. Innovative IP Utilization: The partnership sets a precedent for how valuable NFT IP can be integrated into tangible financial products, moving beyond purely digital collectibles. Institutional Adoption: It further validates Solana as a robust and reliable blockchain for institutional-grade financial strategies, bolstering its reputation. New Revenue Streams: Both parties can explore novel ways to generate value from the Pudgy Penguins IP within a regulated financial framework. This strategic alignment could very well pave the way for similar collaborations, demonstrating a maturing market where digital assets are increasingly recognized for their intrinsic value and potential for broader application. Navigating Potential Hurdles: The Future of Pudgy Penguins Solana Integration While the excitement surrounding this partnership is palpable, it’s also crucial to consider potential challenges. Integrating a digital IP with traditional financial strategies involves navigating complex regulatory landscapes and market dynamics. For instance, ensuring seamless technical integration between Sharps’ systems and the Solana blockchain, while maintaining the integrity of Pudgy Penguins’ brand, will be paramount. Moreover, market volatility, a common characteristic of the cryptocurrency space, could present hurdles. However, Sharps Technology’s prior experience with Solana investments suggests a degree of preparedness for such conditions. The company’s expertise in managing digital assets provides a foundation for mitigating these risks. Actionable Insights for Success: Robust Security Protocols: Essential for protecting both institutional assets and digital IP from potential threats. Clear Communication: Transparency with stakeholders about the strategy and its evolution builds trust and manages expectations. Adaptability: The ability to pivot and adjust to emerging market trends and regulatory changes will be key to the long-term success of the Pudgy Penguins Solana venture. This collaboration serves as a fascinating case study for how established companies are beginning to embrace the innovative potential of Web3 technologies, even amidst inherent complexities. It underscores the importance of strategic planning and agile execution in this rapidly evolving sector. A New Horizon for Digital Assets The partnership between Sharps Technology and Pudgy Penguins represents a bold step forward in the digital asset landscape. By blending a beloved NFT brand with institutional financial strategies on Solana, this collaboration highlights the growing sophistication and mainstream acceptance of blockchain technology. It underscores a future where digital IP holds tangible value in diverse financial applications, potentially unlocking unprecedented opportunities for investors and creators alike. The journey of the Pudgy Penguins Solana integration will undoubtedly be one to watch, offering valuable insights into the future of decentralized finance and the creative economy. This initiative could inspire a wave of similar cross-industry partnerships, further solidifying the bridge between traditional finance and the innovative world of Web3. Frequently Asked Questions (FAQs) Q1: What is the core of the Sharps Technology and Pudgy Penguins partnership? A: The partnership involves Sharps Technology incorporating Pudgy Penguins’ intellectual property into its institutional-grade asset management strategy built on the Solana blockchain. Q2: Why is Solana the chosen blockchain for this strategy? A: Solana is known for its high performance, speed, and low transaction costs, making it an ideal platform for institutional-grade financial strategies that require efficiency and scalability. Q3: How does this partnership benefit Pudgy Penguins? A: Pudgy Penguins gains significant exposure to traditional financial markets and institutional investors, enhancing its brand visibility and exploring new avenues for IP utilization and revenue generation. Q4: What are the potential risks or challenges involved? A: Potential challenges include navigating complex regulatory landscapes, ensuring seamless technical integration, and managing market volatility inherent in the cryptocurrency space. Q5: Will this partnership lead to new investment opportunities for retail investors? A: While the initial focus is on institutional-grade strategies, successful integration could pave the way for more accessible financial products or investment opportunities related to the Pudgy Penguins IP in the future. Q6: How does this collaboration reflect the broader trend in crypto? A: It reflects a growing trend of established companies embracing Web3 technologies, leveraging popular digital IPs for real-world financial applications, and bridging the gap between traditional finance and the crypto ecosystem. Did you find this insight into the Pudgy Penguins Solana partnership enlightening? Share this article with your network and join the conversation about the future of digital asset management! To learn more about the latest crypto market trends, explore our article on key developments shaping Solana institutional adoption. This post Pudgy Penguins Solana Partnership: A Revolutionary Leap for Digital Asset Management first appeared on BitcoinWorld and is written by Editorial Team

Author: Coinstats
Mathematical Principle Analysis: How does Curve founder's new project Yield Basis reduce uncompensated losses to 0?

Mathematical Principle Analysis: How does Curve founder's new project Yield Basis reduce uncompensated losses to 0?

In fact, when people hold tokens, especially when they plan to hold them for a long time, they still hope to have a place where they can deposit and withdraw them at any time, manage their single currency, and earn interest based on the currency. However, impermanent loss and the need to add two tokens have always been the biggest obstacles preventing users and institutions from adding LPs. Therefore, is it possible to express the relationship between LP's impermanent loss and normal single currency price fluctuations through a formula? Then adjust the LP according to the formula so that the LP value fluctuates with the spot value, thereby reducing the impermanent loss to 0? Curve founder Michael Egorov's new project, Yield Basis, addresses this problem. He discovered that if the change in spot value is P, then when tokens are added to the LP, the change in LP value is √p (square root of p). (Related article: " Curve founder's new project is about to launch on mainnet: How to earn Bitcoin and avoid impermanent loss using Yield Basis? ") Readers who have learned second-grade mathematics should know that √p * √p = P. As long as the value of LP is doubled, the changes in LP value can be anchored to the spot price. How do you double your investment? That’s right, leverage! This is the compounding leverage strategy, one of the core principles of yieldbasis. This strategy leverages user deposits to collateralize loans on the backend, achieving 2x compound leverage. This allows LP value fluctuations to be anchored to the spot market, eliminating impermanent loss. The problem is that when LP is added, it is still represented by two tokens. For example, in the BTC-USDT trading pair, although in yieldbasis, users only need to deposit a single currency into the agreement, and complex steps such as lending are automatically completed by the back-end smart contract, what should be done if the token price fluctuates and the LP debt deviates? This requires the help of a third party, an arbitrageur. This is another core principle of yieldbasis: Virtual Pool, Rebalancing AMM, and Flash Loans. Through these functions, third-party arbitrageurs help users balance their LP debts. It's important to note that YieldBasis reserves a portion of its total revenue to incentivize arbitrageurs and maintain system balance. Therefore, LPs do not suffer losses during the arbitrage process. YieldBasis backtested historical data from 2019 to 2024. During the 2021 bull market, the APR peaked at 60%. During relatively quiet market conditions, the APR was around 9-10%. During this period, the price risk exposure of the BTC/USD liquidity pool was similar to that of holding BTC alone. The project will issue a separate token. According to The Block, it has already raised $5 million at a token valuation of $50 million, and the round of financing was oversubscribed 15 times. The TVL contributed to yieldbasis will eventually be added to Curve. Essentially, yieldbasis adds liquidity to Curve by addressing impermanent loss. Impact on Curve, The direct impact is mainly reflected in: 1) Increasing Curve TVL and pool depth, expected to bring more trading volume and fee income; 2) Rebalancing generates additional transactions, increasing Curve revenue; 3) Increase the demand for crvUSD and generate minting income. ———————————————————————————————————— In terms of product implementation, Yieldbasis abstracts the complexity of the mathematical principles behind it. All users need to do is deposit a single currency. According to the information disclosed so far, only BTC is supported in the early stage. https://x.com/yieldbasis/status/1962636033641849063 As mentioned earlier, the essence of the yieldbasis principle is to use leveraged lending to transform the mathematical curve of LP value fluctuations (√p) into P. This allows LP value fluctuations to track spot market fluctuations, reducing uncompensated losses to zero. Concepts such as lending, virtual pools, rebalancing AMMs, and arbitrage all serve this purpose. In actual backend operations, yieldbasis will automatically implement a compound leverage strategy, pledging user assets, lending crvUSD, and then forming LPs to maintain a 2x compound leverage. Through virtual pools, rebalancing AMMs, and flash loans, arbitrageurs are allowed to participate, and the leverage ratio of user positions is maintained at 2x, thereby eliminating LP's impermanent loss and allowing LP value fluctuations to be anchored to token fluctuations. The yieldbasis product process is as follows: 1/ Users deposit BTC (or ETH) and receive ybBTC (or ybETH) as a voucher. (The operation required by the user has actually been completed at this step.) After that, everything is automatically operated by the yieldbasis system. 2/ Leveraged lending Use the user's deposited BTC (or ETH) as collateral to borrow an equivalent amount of crvUSD. Deposit BTC (or ETH) and borrowed crvUSD into the Curve liquidity pool, maintaining 2x leverage (debt is always half of the LP value). Regarding the implementation of 2x leverage, although the white paper does not explain it in detail, official documents suggest that: The key lies in the particularity of LP Token: 1) LP Token itself contains 50% stablecoins, which is lower risk as collateral than a single asset; 2) The system may set special collateral parameters for LP Tokens: 3) Achieving a collateralization ratio close to 100% through dedicated CDPs; 3/ Automatic rebalancing to cope with price fluctuations For the specific implementation process, please refer to the white paper. The mathematical calculations involved are really too complicated. But in general, Automatically maintained by rebalancing AMMs and arbitrageurs: 1) When BTC rises: arbitrageurs help the system borrow more crvUSD, increasing LP; 2) When BTC falls: Arbitrageurs help the system redeem some LPs and repay debts; 3) The arbitrageur makes a small profit and the system returns to 2x leverage. ———————————————————————————————————— Okay, finally, I'll try to explain the mathematical foundations of yieldbasis, because it's truly fascinating. Of course, I recommend reading it before bed for excellent results. The mathematical core of yieldbasis is, pLP =√p. In summary, in classic AMMs, liquidity prices follow the relationship pLP = √p. By applying compound leverage of L=2, the price performance can be transformed from √p to p, which makes the leveraged LP position price performance the same as a single asset (such as BTC). Explain, AMM constant product formula x * y = k, where x = the amount of stablecoin (e.g. USD) in the pool y = the amount of crypto assets (e.g. BTC) in the pool k = constant Assuming the BTC price is p (denominated in USD), then x = p * y In fact, the two tokens of the LP group are equal in value, 50/50. Therefore, the total value of the LP can be expressed as py squared, that is, k = py². So, y = √(k/p) (√ is not a check sign, it’s a square root. Think back to high school math, oh no) x = p · y = p · √(k/p) = √(p*k) Total LP value = x + p * y = √(p·k) + p·√(k/p) = √(p·k) + √(p²·k/p) = √(p·k) + √(p·k) = 2√(p·k) Then, assuming that the asset price is at t0 at the initial moment and then changes to t1, then LP initial total value = 2√(p₀·k) LP total value after change = 2√(p₁·k) Change ratio = LP total value after change / LP initial total value = 2√(p₁·k) / 2√(p₀·k) = √(p₁/p₀) Assuming that at the initial time t0, the asset price is 1 unit, then the rate of change in value = √(p₁/1) = √p₁ This is the origin of pLP = √p, pLP is the relative change in LP value, and √p is this value. That is, when the BTC price quadruples, the LP value only doubles by √4 = 2. This is the root cause of impermanent loss. This is why we need to add 2x leverage. (√p)² = p. This means that after adding 2x leverage, the change in LP becomes P, the spot price, eliminating impermanent loss. You can now focus on collecting transaction fees. Hello, are you asleep?

Author: PANews
MasterPay Group Fuels DePIN Revolution with Strategic Investment in OKZOO

MasterPay Group Fuels DePIN Revolution with Strategic Investment in OKZOO

MasterPay Group, a dominant force in the financial technology sector, announcesa strategic investment into OKZOO, a pioneering company at the forefront of the Decentralized Physical Infrastructure Network (DePIN) revolution. This significant investment is poised to accelerate the advancement of DePIN technology, particularly through the innovative integration of Artificial Intelligence (AI) and the Internet of Things (IoT) on the blockchain, and to facilitate OKZOO's ambitious expansion into the health tech sector. OKZOO's groundbreaking framework is designed to empower smart devices for high-quality data collection. By blending AI and IoT capabilities within a robust blockchain environment, OKZOO is cultivating a global network where users can seamlessly deploy hardware, gather high-quality, real-world data, and receive direct peer-to-peer rewards for their valuable contributions. This decentralized approach to data collection is not merely an innovation but a foundational shift, creating a robust and verifiable data stream essential for the development of powerful AI applications. The initial product stemming from OKZOO's vision is the P-mini o1. This device is specifically engineered to allow users to monitor and collect critical environmental data. Its capabilities include tracking air quality, measuring noise pollution levels, and detecting CO2 concentrations, all with the ultimate goal of contributing to a healthier and more sustainable global environment. OKZOO's success is underscored by its impressive foundational metrics: ●11.8 million ecosystem users:Demonstrating a vast and engaged community actively participating in the DePIN ecosystem. ●400,000+ on-chain holders:Reflecting strong investor confidence and a decentralized ownership structure. ●60,000+ P-mini device pre-orders:Indicating significant market demand and anticipation for OKZOO's innovative hardware. ●Fully Diluted Valuation (FDV) surpassing $1.4 billion on August 18, 2025:A clear indicator of rapid growth and market recognition of OKZOO's potential MasterPay Group, an established namein the fintech landscape, has built its reputation on unifying disparate financial systems. Backed by a consortium including Mastercard, DBS, Malaysia's central bank Bank Negara Malaysia, and the Malaysian Royal Family, MasterPay Group offers a unified and highly efficient solution that integrates various financial instruments, including traditional bank accounts, international remittance services, and extensive card networks. MasterPay Group’s technology provides a seamless payment layer that eliminates friction, enabling instant, secure, and truly global transactions across various financial ecosystems. This strategic investment from MasterPay marks a pivotal and transformative moment for OKZOO, particularly in facilitatingthe company's expansion into the Health Tech domain. This strategic expansionaligns perfectly with OKZOO's overarching vision: to foster a healthier and improved world through the power of DePIN, encompassing not only environmental well-being but also public health. The planned development of a "super app," coupled with innovative health tech devices, will empower OKZOO users to actively monitor and collect both environmental and personal health data. This dual focus is expected to significantly accelerate global DePIN adoption, demonstrating the versatility and profound real-world impact of decentralized infrastructure. By enabling individuals to contribute directly to global health and environmental datasets, OKZOO and MasterPay are collectively paving the way for a more informed, healthier, and technologically advanced future. In addition to assisting OKZOO’s DePIN strategy, MasterPay Group will be integrating payment solutions into the AIOT ecosystem in order to unlock immediate and significant utility, transforming how users interact with DePIN technology. By seamlessly weaving financial infrastructureinto the fabric of decentralized physical infrastructure, MasterPay will provide a frictionless layer for value exchange, driving adoption and fostering a more dynamic and rewarding user experience. To facilitate this accelerated growth and DePIN expansion strategy, OKZOO’s team is expanding. These new team members will be pivotal in driving innovation and execution to actualize OKZOO's growth strategy, payment solutions integration, and vision of a healthier and more technologically advanced future. This collaboration leverages a multi-layered architecture to achieve this vision: ●Layer 0 - Physical Layer: DePIN hardware, including the P-mini and AIOT Watch, for trustworthy data collection, with cross-calibration mechanisms to enhance data accuracy at scale. ●Layer 1 - Connectivity and Settlement: An efficient blockchain network that can handle billions of transactions with payment solutions integration. eSIM aggregators ensure low-cost global device connectivity, with free data plans available for staked users. ●Layer 2 - AI Intelligence applied to Environmental and Health Data Economy: An AI health assistant provides personalized analysis and tasks, while a decentralized data marketplace allows users to securely authorize their data and earn $AIOT. ●Layer 3 - Application and Ecosystem Entrance: The Super App serves as the core user interface for data, AI services, and asset management. From an engineering perspective, OKZOO is linking four key layers: trustworthy data collection, scalable network, usable computing, and settlement, to transform real-world data into a digital commodity. MasterPay Group’s involvementfundamentally shifts the paradigm from a purely data-driven ecosystem to a value-driven one, where rewards for user’s contributionand seamless transactions reinforce the network's growth. By providing immediate utility and fostering a robust economic layer, MasterPay will accelerate the adoption of AIOT solutions, demonstrating their tangible benefits and paving the way for a more connected, intelligent, and rewarding future. MasterPay’sstrategic investmentrepresents OKZOO’s transition from a startup-style project into a financial-grade platform, moving beyond experiments into a new cycle validated by capital, compliance, and international markets. About OKZOO OKZOO introduces the world’s first urban-scale and street-level decentralized environmental data network by designing and developing a decentralized AI infrastructure that serves as the backbone of an interconnected network of physical machines that empower users to contribute both external and household environmental data through handheld devices. It creates a mass-scale web of real-world environmental data that can empower innovative AI environmental systems. Website: https://okzoo.app X: https://x.com/okzoo_app Discord: https://discord.com/invite/okzooapp Telegram: https://t.me/OKZOO_ANN About MasterPay MasterPay is a global fintech and payments company. Guided by Security First, Innovation, Inclusive Finance, and Integrity & Transparency, MasterPay delivers cross-border payments, custody, and settlement solutions. With backing from Mastercard, DBS, Bank Negara Malaysia, and the Malaysian Royal Family, MasterPay brings institutional-grade compliance and infrastructure into Web3. Website: https://www.masterpayglobal.com/

Author: PANews