ارزدیجیتال

برچسب: Finance

  • Pencil Finance announces US$10 million for student loan financing backed by Animoca Brands and Open Campus

    Pencil Finance announces US$10 million for student loan financing backed by Animoca Brands and Open Campus


    30 April 2025 – Pencil Finance, the student loan real-world-asset (RWA) protocol on EDU Chain that is co-incubated by Animoca Brands and HackQuest, today announced that Open Campus and Animoca Brands have deployed US$10 million in liquidity as loan collateral to facilitate DeFi student loans on the Pencil Finance platform.

    Pencil Finance is a decentralized lending protocol designed to bring student loan financing on-chain, transforming how student debt is serviced. It connects global investors with trusted student loan originators through tokenized loan bundles. 

    EDU Chain is a Layer 3 blockchain on Arbitrum Orbit that is designed for consumer-facing education apps and on-chain education finance (EduFi). EDU Chain is powered by the EDU token (EDU) which is listed on Binance, KuCoin, Gate.io, Bithumb, MEXC, Bitmart, and various other exchanges.

    Open Campus, which is the foundation behind EDU Chain, and Animoca Brands have contributed US$10 million as liquidity to Pencil Finance to be used as loan collateral. The goal is to expand  access to education financing through blockchain technology. 

    Recent policy changes in the U.S. could put millions of borrowers at risk of defaulting on their student loans, highlighting the urgent need for accessible, transparent, and efficient financing solutions for the student loan market, which is estimated to be worth around US$3 trillion globally (Market Research Future, April 2025).

    Yat Siu, co-founder and executive chairman of Animoca Brands, said: “Blockchain is redefining how education is funded and developed. By bringing student loans on-chain, this initiative seeks to boost transparency, efficiency, and Web3 adoption for potentially hundreds of millions of students globally, while also increasing financial literacy. We believe this will have very significant implications for the US$3 trillion student loan market.”

    Frank Li, co-founder of Pencil Finance, said: “Blockchain technology allows us to reimagine student lending from the ground up. By bringing loans on-chain, we deliver transparency, efficiency, and access at a global scale, helping students everywhere unlock new educational opportunities.”

    Harry Zhang, co-founder and CMO of HackQuest, said: ‘This milestone demonstrates the real-world impact of blockchain in education. On-chain loans empower students and open new opportunities for investors.”

    Through Pencil Finance’s student loan RWA protocol, whitelisted users can provide liquidity to loan pools. Whitelisted users can choose to deploy capital to  a Senior Tranche or a Junior Tranche for higher returns with first-loss risk. Pencil Finance enables loans to be deployed, and repayments to be managed, transparently on-chain.

    Pencil Finance issued its first loan this week; the recipient is HackQuest, which will use the loan proceeds to incentivize student developers learning about EDU Chain on the HackQuest platform.

    -END-

    About Open Campus

    Open Campus is a community-led DAO that is building an on-chain education network to empower both educators and students. Core contributors to the Open Campus DAO include Animoca Brands, TinyTap, NewCampus, RiseIn, and HackQuest. Together, they are working with Open Campus to enhance the education system for teachers, learners, and institutions by using innovative blockchain protocols and funding initiatives. Open Campus has launched EDU Chain, a Layer 3 blockchain on Arbitrum Orbit designed for consumer-facing education apps and on-chain education finance (EduFi), powered by the EDU token.

    About Animoca Brands

    Animoca Brands Corporation Limited (ACN: 122 921 813) is a Web3 leader that leverages tokenization and blockchain to deliver digital property rights to consumers, helping to establish the open metaverse and its associated network effects. It has received broad industry and market recognition including Fortune Crypto 40, Top 50 Blockchain Game Companies 2025, Financial Times’ High Growth Companies Asia-Pacific, and Deloitte Tech Fast.

    Animoca Brands realizes its mission via three integrated business pillars: operating Web3 businesses to advance blockchain adoption with native projects such as Moca Network, Anichess, The Sandbox, Open Campus, NEOM Web3 initiatives, and a regulated stablecoin project in partnership with Standard Chartered and HKT; providing digital asset advisory services including tokenomics advisory, liquidity provisioning, and institutional research to help external Web3 projects grow; and investment management, with a portfolio of investments in over 540 companies including industry leaders Pudgy Penguins, Yuga Labs, Axie Infinity, Polygon, Consensys, Magic Eden, OpenSea, Dapper Labs, YGG, and many others.

    For more information visit www.animocabrands.com or follow on X, YouTube, Instagram, LinkedIn, Facebook, and TikTok.

    About HackQuest

    HackQuest is the gateway to the Web3 development world, providing a comprehensive, one-stop educational infrastructure that minimizes friction and helps onboard developers and non developers to the world of Web3. HackQuest believes that improving Web3 developer education is key to driving mass adoption.

    About Pencil FinancePencil Finance is a decentralized lending protocol focused on bringing real-world student loan financing on-chain. It connects investors with verified student loan originators, turning student debt into a transparent, investable asset class. Pencil uses blockchain infrastructure, a dual-tranche capital structure, and smart contracts to deliver structured, risk-adjusted returns backed by real-world student loan portfolios, enabling sustainable yield generation with tangible social impact.

    Disclaimer: This is a paid post and should not be treated as news/advice. LiveBitcoinNews is not responsible for any loss or damage resulting from the content, products, or services referenced in this press release.





    Source link

  • Ondo Finance Crashes 60% Amid $650B Loss In Altcoin Market


    Main Takeaways:-

    • Altcoin market cap drops from $1.6T to $950B in four months.
    • Ondo collaborates with BlackRock, PayPal, and Google Cloud.
    • Token holds $0.82 but risks of falling to the $0.70 level.

    The cryptocurrency market has moved into a strong downtrend, with Coinbase’s April 15 market analysis showing a 41% decline in the altcoin total market value.

    Off its peak of $1.6 trillion in December 2024, altcoins currently exist at $950 billion, clearing out $650 billion in value. 

    This slump has caused sharp drops throughout the market, especially for the projects that had seen growing adoption by institutions in the past.

    Ondo Finance’s native token, $ONDO, has been one of the most damaged, dropping below 60% from its high value. 

    The decline happens even though the platform is growing its real-world asset strategy and gaining more attention in business and political circles.

    Ondo Develops RWA Network for Growth

    Ondo Finance, introduced in 2021, has established itself as a major player in the RWA sector. The platform aims to bring high-quality financial products like US government bonds, regular bonds, and money market funds to the blockchain.

    In February, the project introduced its own Layer-1 blockchain concentrated on RWA tokenisation. It reveals collaborations with Google Cloud, BlackRock, PayPal, Franklin Templeton, WisdomTree, and McKinsey.

    Even with this momentum, $ONDO is presently trading at $0.8219, dropping over 60% from its December peak. Its overall market trend is negative, with the price consistently staying below the 20, 50, and 200-day moving averages.

    Trump-Related Backing Boosts Momentum

    In addition to its corporate partnerships, Ondo has recently gained political attention. Donald Trump Jr. attended the Ondo Finance Summit, and World Liberty Financial, which is linked to the Trump family, invested $460,000 in $ONDO just one week before the event.

    Although this support attracted media attention, it has not changed the overall market trend.

    Ondo also engaged with Mastercard’s Multi-Token Network (MTN), announcing the Ondo Short-Term UD Treasuries Fund (OUSG) as the first tokenised asset of the network.

    This action is a step towards bringing real-world assets (RWAs) into regular finance, which could compete with traditional products from large asset managers.

    $ONDO Faces Critical Support Test

    From a technical standpoint, $ONDO is holding onto support between $0.81 and $0.82, with the 100-period moving average at $0.8161. The token has faced multiple rejections between $0.88 and $0.90, which was an area of past interest from big investors, showing that resistance remains at the top.

    A fall below this support level could transfer the token in the direction of $0.75–$0.77, or maybe to $0.70, which functioned as a recovery point in early Q1. These levels are still important in evaluating the potential for short-term losses.

    On the other hand, the Ondo Global Markets GM platform has supported the protocol to reach over $1 billion in total value locked (TVL) by March. Daily trading volume has exceeded $300 million, with yearly revenue at $6 million, according to DeFiLlama.

    Collaborations with fast-growing networks like Aptos, which has surpassed $1 billion in stablecoin TVL, strengthen Ondo’s position in the decentralised finance space.

    The short-term outlook is negative, but with strong connections in both the financial and political sectors, Ondo is still setting itself up for long-term importance in the institutional crypto market.

    Read also:- PEPE Watch: With Retail Buying and Whale Patience, Is a Price Surge Coming?

    Disclaimer: We at Bitcoinik.com present you with the latest information in the crypto market. However, this information should not be regarded as financial advice, and viewers should consult their financial advisors before investing.

    Header ad



    Source link

  • Dogecoin Volume Dries Up While RCO Finance Gains 41,600% in Silent Climb

    Dogecoin Volume Dries Up While RCO Finance Gains 41,600% in Silent Climb


    ​Once a dominant force in the meme coin space, Dogecoin (DOGE) is now seeing its trading volume steadily dry up. While market watchers attribute part of this decline to broader crypto volatility, there’s a deeper trend unfolding beneath the surface.

    The real shift is investor sentiment pivoting toward the upcoming utility-altcoin-focused bull run—just like in Q4 2024, when capital surged into high-utility tokens such as XRP, Ethereum (ETH), and Solana (SOL).

    Now, as history prepares to repeat itself, Dogecoin (DOGE) is making way, but what’s interesting is RCO Finance (RCOF), a utility altcoin set to mirror the 2021 DOGE price surge. Analysts say RCOF can surge 41,600% in Q2, outperforming the top utility altcoins to become the best crypto to buy now.

    Dogecoin (DOGE) Struggle Reflects the Shift Toward Utility-Driven Altcoins

    The decline in Dogecoin (DOGE) volume isn’t just about reduced hype; it’s a sign that retail and institutional capital are preparing for a different kind of rally. In the last bull run, utility altcoins saw dramatic growth while meme coins like Dogecoin (DOGE) struggled to keep pace. This time, the trend appears even stronger.

    With AI at the center of technological innovation in 2025, investors are gravitating toward projects that combine practical use cases with next-generation tools. That’s why RCO Finance (RCOF) has caught fire, quietly attracting thousands of backers during its presale without the noise or volatility that surrounds tokens like Dogecoin (DOGE).

    RCO Finance, with its AI-powered trading platform and real-time portfolio optimization, is perfectly positioned to capitalize on both the DeFi revolution and the global boom in artificial intelligence investments.

    As meme coins like Dogecoin (DOGE) fade from the spotlight, RCOF is becoming the smart money’s pick for this cycle. And with analysts projecting up to 41,600% in gains by Q2’s end, the silent climb may soon turn into a stampede.

    How Smart Traders Find PEPE and WIF Before the Crowd—And Exit Before the Crash

    Every trader wants that one lucky break—getting in on a token like PEPE or WIF early, watching it moon, and exiting before it collapses. But in reality, most either miss the signal or exit too late, trapped in the inevitable downtrend. Timing isn’t just important—it’s everything. And with thousands of tokens flooding the market, even seasoned traders are second-guessing themselves.

    Think of the traders who bought PEPE after it surged, only to ride it back down when momentum vanished. Or those who saw WIF spike, hesitated, and missed 50,000% gains. Meanwhile, whales with better data, faster execution, and advanced tools dominated the trend. This isn’t about luck—it’s about edge. And without the right tools, retail investors are always a step behind.

    RCO Finance (RCOF) changes this dynamic completely. Its AI-powered Robo Advisor processes real-time data from platforms like Bloomberg and Reuters, on-chain analytics, and social sentiment feeds, building predictive models around asset behavior.

    So when early whale movements surrounding WIF started showing up in mid-December, RCO Finance (RCOF) would have flagged the momentum shift days before the surge—allowing early entry before the masses noticed.

    Then again, as sell pressure mounted post-ATH, the system’s automated sentiment analysis detected the decline in bullish sentiment and triggered an exit notification before major drawdowns hit.

    The would have applied to PEPE—where RCO Finance’s trend detection and lightning-fast execution algorithm could have captured the upward wave early, then sidestepped losses when liquidity began drying up.

    It’s more than just signals—it’s a full-circle trading strategy. The Robo Advisor AI doesn’t just watch price charts; it sees the entire battlefield, giving users what they’ve never had: institutional-level foresight, reaction speed, and portfolio optimization, all in real time.

    The next PEPE is out there. RCO Finance (RCOF) will help you find it and exit with your gains intact. Unsurprisingly, just days after the Beta platform launched, over 10,000 users rushed to test out these game-changing features that could decide their fates in the next bull run.

    RCOF Presale Frenzy: Investors Rush to Grab 41,600% Gains in Q2

    While Dogecoin (DOGE) sees trading activity taper off, the SolidProof-audited RCO Finance (RCOF) is quietly surging in presale traffic. The difference lies in the fundamentals.

    Dogecoin (DOGE) is a legacy coin struggling with market maturity and a limited utility, whereas RCO Finance (RCOF) is a utility altcoin at presale stage, offering a rare blend of early-entry pricing and real-world value.

    With a built-in AI Robo Advisor, RCOF is riding two major trends: the return of utility altcoins, reminiscent of Q4 2024’s explosive alt season, and the fast-accelerating AI agents boom that NVIDIA’s CEO says will shape a multi-trillion-dollar future.

    Because of these combined tailwinds, RCO Finance (RCOF) has been forecast to climb as much as 41,600% in the long run. To put that into perspective, a simple $750 investment today could return nearly $312,000—a setup most traders only dream about catching.

    This potential, plus the looming crypto bull run, is causing a rush into the RCOF presale. But that rush comes at a cost—with demand heating up, the current round is closing fast, and the entry price won’t stay at $0.10 for long.

    Missing this round doesn’t just mean paying more later—it means missing out on the full growth curve. The lowest price, the highest return potential, and the easiest entry are all available only during this stage.

    If you’re watching the market shift from hype coins to high-utility, AI-integrated platforms, the signal is clear. Join the RCO Finance presale before the final rounds shut the door on early-stage profits.

    For more information about the RCO Finance Presale:

    Visit RCO Finance Presale

    Join The RCO Finance Community ​

    Disclaimer: The views and opinions presented in this article do not necessarily reflect the views of CoinCheckup. The content of this article should not be considered as investment advice. Always do your own research before deciding to buy, sell or transfer any crypto assets. Past returns do not always guarantee future profits.



    Source link