Sierra Leone and United Nations Agencies to Develop Blockchain Platform 2406

President Julius Maada Bio of Sierra Leone announced today at the 73rd Session of the U.N. General Assembly (UNGA) a partnership that brings together leading technology nonprofit Kiva, the U.N. Capital Development Fund (UNCDF) and the U.N. Development Programme (UNDP) for the launch of a bold, new initiative designed to give the country’s seven million citizens, most of whom have no credit history or formal identity, access to financial services.

The centerpiece of the partnership is the new Kiva Protocol, which will create and establish a national digital identification system using distributed ledger technology (DLT). The system will help ensure that every citizen in Sierra Leone has secure and complete ownership of their personal data and information.

“Through this implementation, Sierra Leone is setting out to build one of the most advanced, secure credit bureaus. It could serve as a model for both developing and developed nations in the future and has the potential to radically change the landscape of financial inclusion,” said Xavier Michon, Deputy Executive Secretary of UNCDF.

“The Government of Sierra Leone has signed a Memorandum of Understanding (MOU) with UNDP, UNCDF and Kiva on strengthening our National Digital Identification and Credit Reference Bureau process,” said President Maada Bio. “Sierra Leone will now modernize its Credit Reference Bureau and radically transform its financial inclusion landscape.”

Globally, 1.7 billion adults are unbanked and unable to access the financial services they need to improve their lives and their families’ futures. Two of the major barriers to accessing financial services are a lack of formal identification and a lack of verifiable credit history.

The new Kiva Protocol is designed to address these barriers by issuing digital identification to all citizens and enabling formal and informal financial institutions to contribute to a person’s verifiable credit history. Currently, unbanked people cannot leverage financial transactions from the ‘informal economy,’ such as credit with a local shopkeeper, to build their credit history. The Kiva Protocol will capture a wide range of financial transactions—from bank loans to credit with a local shopkeeper—to help people access the financial services they need, including loans for businesses, education or basic medical services.

Kiva, the international nonprofit that has crowdfunded more than $1.2 billion in loans for people in more than 80 countries, is building the system that will record these transactions using distributed ledger technology. For 13 years, Kiva has worked to provide financial access to the unbanked and underserved, becoming a trusted name with strong partnerships across the global microfinance industry. The organization identified that a systems-level change in identification and credit history has the potential to unlock massive amounts of capital for the populations they serve, so began the hunt for a solution.

“With this partnership in Sierra Leone, we hope to carve a path to a system of global identity and federated credit history,” said Kiva CEO Neville Crawley. “This can unlock capital for the populations who need it most, allowing lenders to massively increase services and the flow of funds to the world’s unbanked.”

Rollout of the Sierra Leone project is planned for 2019, after continued ongoing implementation discussions.

For more information, visit kiva.org/protocol

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Gostex Launches AI-Powered White-Label Payments Suite 173

Gostex today announced the launch of an AI-powered, white-label fintech suite designed to help financial institutions and enterprise merchants improve authorization rates, reduce fraud losses, and streamline operations. The initial release includes an AI-optimized payment gateway, a support system, and an enterprise management module. The suite focuses on smart routing, real-time risk scoring, automated reconciliation, behavioral biometrics, device fingerprinting, and policy-driven compliance to address false declines, fraud, and scaling challenges in modern payments.

“Gostex exists to make advanced fintech capabilities accessible as configurable, enterprise-grade building blocks,” said Stanislav Pak, CEO of Gostex. “The mission is to empower institutions with white-label solutions that accelerate growth, enhance customer experience, and reduce operational risk – without forcing a trade-off between speed and governance. Strategically, the focus is on measurable outcomes: higher approvals with fewer false declines, shorter onboarding cycles, and operating models that scale predictably across markets.”

“From an engineering perspective, the mandate was reliability, security, and practical integration,” said Sevak Petrosian, CTO of Gostex. “Targets include 99.9% service availability, bank-grade security controls, and APIs that integrate cleanly into real-world environments. The architecture emphasizes real-time anomaly detection, policy automation for KYC/AML workflows, and detailed telemetry, so teams can adjust routing and risk in minutes rather than months. The result is a platform designed for low latency, high throughput, and consistent performance under peak loads.”

Product Highlights

  1. Payment Gateway (AI-Optimized): Smart routing selects optimal acquirers and payment paths based on live performance signals; real-time risk scoring helps reduce false declines; automated reconciliation and enriched reporting streamline finance operations; cross-border optimization improves international authorization performance.
  2. Support System: Always-on NLP assistance for customers and operators, with configurable workflows for dispute handling and verifications; predictive analytics highlight emerging fraud patterns and operational bottlenecks; multilingual capabilities support distributed teams and global user bases.
  3. Card Management: Behavioral biometrics and device fingerprinting strengthen fraud defenses while preserving user experience; granular policy controls and automated compliance checks help standardize controls across products and geographies; real-time analytics provide portfolio-level insight for faster decision-making.

Use Cases

  1. Approval Uplift: Dynamic routing and model-driven risk scoring reduce soft declines and optimize authorization performance across acquirers and geographies.
  2. Fraud Loss Reduction: Behavioral signals and device intelligence reinforce rule-based controls, enabling earlier detection of high-risk activity with fewer false positives.
  3. Operational Efficiency: Automated reconciliation, case-management workflows, and unified analytics help finance and support teams resolve issues faster and close periods with greater accuracy.
  4. Scalable Expansion: API-first design, environment isolation, and configuration as code support rapid regional rollouts and partner integrations without disruptive refactors.

About Gostex

Gostex is a fintech software company offering white-label solutions for payments optimization, and enterprise management. The platform emphasizes reliability, bank-grade security controls, and measurable business outcomes for banks, payment service providers, and enterprise merchants across the region. Gostex solutions are delivered with clear SLAs, telemetry-rich observability, and integration patterns designed for real-world enterprise environments.

Ethereum Foundation Moves Entire $650M+ Treasury to Safe Multisig 166

EF completes full treasury migration to Safe smart accounts, joining Vitalik Buterin as key Safe user + Safe smart accounts cross 750M transactions milestone.

The Ethereum Foundation has completed the migration of its full treasury, over 160,000 ETH worth approximately $650 million to Safe{Wallet}, following months of successful DeFi testing. Safe{Wallet}, operated by Safe Labs (a fully owned subsidiary of the Safe Foundation), is the crypto industry’s trusted smart account standard for multisig wallets, securing billions of dollars in assets for institutions, DAOs, and projects.

The move follows the Foundation’s June 2025 treasury policy announcement, which committed to actively participating in Ethereum’s DeFi ecosystem. Since February, the EF had been testing Safe with a separate DeFi-focused account, dogfooding protocols including Aave, Cowswap, and Morpho as part of their strategy to support applications built on Ethereum.

After testing a 3-of-5 multisig configuration on January 20th, the Foundation has now consolidated its remaining ETH holdings into Safe, completing the transition from their previous custom-built multisig solution. This implementation enables the Ethereum Foundation to actively participate in DeFi via Safe while maintaining battle-tested security standards, marking another step toward Safe’s vision of moving the world’s GDP onchain through battle-tested self-custody infrastructure.

“Safe has proven safe and has a great user experience, and we will transfer more of our funds here over time,” the Ethereum Foundation announced, indicating this is the beginning of a deeper commitment to the Safe smart account standard.

Safe’s Momentum

The timing is notable: Safe has just crossed 750 million transactions (751,062,286 as of today) with over 57.5 million Safes created across multiple chains. The protocol has emerged as crypto’s de facto standard for multisig wallets, securing billions in institutional and DAO treasuries. Safe also counts Ethereum co-founder Vitalik Buterin among its prominent users, who revealed in May 2024 that he stores over 90% of his personal crypto holdings in a Safe multisig wallet. Vitalik has used Safe since at least 2024 for personal security, advocating for what he calls “decentralizing your own security.”

Beyond individual users, Safe has attracted major institutional adoption. Trump-backed World Liberty Financial has processed over $3.02 billion in transaction volume through the Safe smart accounts, onchain data shows. Across this period, Liberty’s Safe accounts executed 347 transactions, reflecting consistent institutional use even amid broader market shifts. The figures position Liberty as one of the largest institutional users of Safe’s onchain infrastructure to date.

This growing pattern of major institutions choosing Safe for treasury operations reinforces its position as the leading secure infrastructure layer for digital assets.

Safe’s Milestones:

  • Ethereum Foundation: $650M+ treasury secured
  • Trump-backed World Liberty Financial has processed over $3 Billion via Safe smart accounts
  • Over $65B+ in total assets stored
  • 750M transactions executed
  • 300+ networks supported
  • 200+ ecosystem projects built on the Safe smart account standard
  • 57M accounts deployed

Part of Broader “DeFiPunk” Strategy

The migration reflects the EF’s June 2025 treasury policy, which outlined plans to actively deploy treasury assets into “battle-tested, immutable, audited, permissionless protocols” while maintaining a 2.5-year operational buffer. The policy marked a shift from the Foundation’s historically conservative approach, committing to both enhance financial sustainability and support key Ethereum applications.

The treasury policy targets spending approximately 15% of treasury funds annually, gradually reducing to a sustainable 5% baseline over five years, while prioritizing security, open-source principles, and financial sovereignty aligned with what the Foundation calls “Defipunk” values.

The migration marks a powerful alignment: Ethereum’s core steward now uses the same infrastructure it supports, dogfooding the ecosystem it helps build.

Discover the Best Anonymous Ripple Exchanges for You 795

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TL;DR: Anonymous Ripple exchanges let you trade XRP without the usual sign-up steps, giving you more privacy. They’re ideal if you want faster access without lengthy verifications. Just keep an eye on security, because with fewer checks, you need to handle your funds carefully.

Explore anonymous Ripple exchanges

Anonymous Ripple exchanges often skip the usual Know Your Customer (KYC) process. This means you don’t have to submit ID documents or wait for approval before you start trading. Many users prefer these non-KYC platforms because they can jump right in and enjoy swift conversions, especially if they need to move digital assets quickly.

Why are they so popular? The appeal lies in privacy. When you’re buying or selling XRP without handing over personal details, you’re less concerned about data breaches or identity theft. This approach can be especially handy if you live in a region with restrictive crypto rules. However, minimal account verification can also open the door for shady activities. That’s why it’s wise to research every platform’s background and security features before committing funds.

Compare pros and cons

Below is a quick overview of what you can expect:

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You’ll notice a clear trade-off. If you value privacy over everything else, non-KYC platforms may be a good fit. But keep in mind you’ll need to manage more of your own security and due diligence.

Check essential features

When picking an anonymous XRP platform, it helps to pinpoint what you really need. Here are some things to watch out for:

  • Security measures: Look for mentions of Two-Factor Authentication (2FA) and cold storage options. Non-custodial or decentralized models give you direct control of your keys, which can reduce hacking risks.
  • User-friendly interface: If you’re new to crypto, choose a site that explains each step clearly. Something with a clean layout and helpful tutorials saves loads of frustration.
  • Asset range: Some platforms don’t just focus on Ripple. They may allow cross chain swaps for tokens from Ethereum, BNB Chain, or Polygon, making it easier to diversify.
  • Reputation and reviews: Check user experiences if possible. While anonymous platforms typically lack big regulatory oversight, you can still gauge reliability from community feedback.

Try Baltex.io exchange

Baltex.io is a non-custodial exchange that aims to deliver a straightforward experience. Since it’s non-custodial, you hold your private keys, which offers an extra layer of security. You don’t need to open an account or reveal personal details, so privacy stands out as a main perk.

Additionally, the interface supports cross chain crypto swaps, which is great news if you often move between different blockchains. This sort of flexibility is appealing for both newbies and seasoned traders, since it cuts down the hassle tied to multiple wallets and networks.

Review top FAQs

Below are common questions that pop up when choosing an anonymous exchange for Ripple:

1. How do I secure my funds on a non-KYC platform?
Always activate 2FA if available, and consider a hardware wallet for long-term storage. Staying vigilant with phishing attempts (fake websites or emails) also helps.

2. Can I buy other cryptos on these exchanges?
Many non-KYC platforms allow you to trade multiple assets. Some specialize in cross chain swaps, which means they support tokens from differing blockchains.

3. What are the risks of non-KYC exchanges?
With little to no regulatory oversight, you rely on the platform’s reputation, community feedback, and your own caution. Strictly verifying that the site is trustworthy can save you from hacks.

4. Why should I consider Baltex.io?
Baltex.io is non-custodial, meaning you control your private keys. It also offers cross chain swaps and a user-friendly interface, which is particularly helpful if you want a simple entry point into anonymous XRP trading.

Whether you’re after total privacy, quick setup, or a broader range of crypto assets, anonymous Ripple exchanges can offer a unique advantage. Just remember that the responsibility for your funds largely rests on you. Research, stay alert, and pick a platform with solid security practices. Good luck with your trading!

Project 0 Makes DeFi History, Unlocking Unified Margin Across Multiple Venues for the First Time 1160

First protocol to enable generalized cross-margin across more than one venue; Project 0 is now the largest permissionless prime broker in crypto

Project 0, the first DeFi-native prime broker, today announced its integration with Kamino, creating the first instance of generalized cross-margin across multiple DeFi venues. With this release, Project 0 has become the largest permissionless prime broker in crypto, introducing new tools for traders and lenders to manage risk, collateral, and capital efficiency across platforms.

Under the existing DeFi market structure, users are required to overcollateralize separately on each platform, which fragments capital and increases the chance of liquidation even when offsetting positions exist elsewhere. The integration between Project 0 and Kamino directly addresses this problem by consolidating deposits under a single margin framework. Users can now borrow against their Kamino and Project 0 deposits in one click, with unified loan-to-value (LTV), borrow weights, and interest rates. This system also introduces better risk-adjusted parameters by evaluating the user’s comprehensive portfolio, rather than treating each position in isolation.

“Solving liquidity fragmentation was the driving force behind founding Project 0. By enabling cross-margin across multiple venues, users can now manage their entire portfolio under a single margin account, addressing a long-standing inefficiency in DeFi and providing clearer oversight of portfolio-wide risk,” said MacBrennan Peet, Founder of Project 0. “I’m incredibly proud that we’ve brought this vision to life with the dedication and expertise of our amazing Project 0 team.”

For active traders, the integration makes it possible to arbitrage between Kamino and Project 0 rates with a single pool of credit. This reduces friction, improves capital efficiency, and allows for more effective use of leverage without the need to manage multiple sets of collateral. Lenders also benefit from the integration, as Kamino and Project 0 depositors will be able to access Project 0 incentives and benefit from a unified interface for tracking and managing their positions.

The integration is available today to Project 0’s top 5,000 users, who will test the functionality and provide feedback over the next few days. Following the completion of this initial testing period, a staggered public rollout is expected within 3–5 days. This phased approach ensures the system operates smoothly and that the user experience is optimized before wider access. By enabling generalized cross-margin across venues, Project 0 is introducing a capability that has long been discussed but never before implemented in DeFi, integrating leading venues like Kamino into a unified margin protocol.

About Project 0

Project 0 is the first generalized, on-chain, permissionless, multi-venue unified margin protocol. As a DeFi-native trustless prime broker, Project 0 eliminates capital inefficiencies by enabling users to manage their entire DeFi portfolio with unified margin and risk management. The protocol integrates with leading DeFi platforms to provide sophisticated trading and yield strategies while maintaining the composability that makes decentralized finance powerful.

To learn more, users can visit: 0.xyz

XRP Price Analysis: A bullish reversal pattern has formed, sprinting towards $3.93. Join Arc Miner and earn 5,000 XRP daily 1558

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XRP is showing a bullish reversal signal today: if it manages to break through the critical resistance level of $3, it could potentially move towards $3.93. Currently trading at around $2.86 (down approximately 4.5% over the past 24 hours), it has recently experienced a pullback due to the US government shutdown, profit-taking, and approximately $606 million in forced liquidations. Technically, the daily chart remains within a previous descending triangle pattern; a break above the upper boundary would shift the trend from bearish to bullish. For investors seeking relatively stable returns in volatile markets, Arc Miner, which converts some of its price exposure into a “hash-power-based” passive income strategy, is a worthwhile option.

Why choose Arc Miner?

● Compliance Guarantee: We are legally registered in the UK, ensuring transparency and compliance with local laws and regulations.
● Green Energy: The mining farm is powered by wind, hydropower, and solar energy, ensuring sustainable mining.
● Fund security: SSL encryption + cold wallet storage provides bank-level asset security.
● No barriers to entry: No hardware required, you can mine directly through your mobile phone or computer. Leveraging the computing power of our mature data centers, you can monitor your mining profits anytime, anywhere!
● Customer Support: 24/7 online, with an average response time of 1-3 minutes.
● Support multiple currencies: For example, BTC, ETH, XRP, SOL, DOGE, LTC, USDT, USDC and other mainstream currencies for fast deposits and withdrawals.
● Affiliate Program/Partnership: Invite friends and earn 3% + 2% rebates on every investment order! Fixed monthly salary of up to $57,000.

How to get started?

Step 1: Visit the Arc Miner official website and create an account. (Bonus $15)
Step 2: Securely connect your digital wallet to the platform for quick deposits and withdrawals.
Step 3: Select one or more hashrate contracts that best suit your capital size.

Finally, start mining with a single click. The system will automatically calculate your earnings daily, making passive income easy.

Mining Contract Examples:

  • [Free Mining Contract] Investment: $15, 1 day, Principal + Revenue = $15.6
  • [Trial Contract] Investment: $100, 2 days, Principal + Revenue = $107.4
  • [Classic Mining Contract] Investment: $2,500, 21 days, Principal + Revenue = $3,266
  • [Advanced Mining Contract] Investment: $10,000, 40 days, Principal + Revenue = $16,560
  • [Super Mining Contract] Investment: $100,000, 50 days, Principal + Revenue = $205,500.

About Arc Miner

Arc Miner is a leading global cloud mining service provider, providing fast, secure, and environmentally friendly cryptocurrency mining solutions to 7 million users in over 100 countries. With cutting-edge technology and professional service, we’ve become a trusted leader in the global cloud mining industry.

  • High-Performance Power – Powered by the latest NVIDIA and AMD GPUs, we deliver industry-leading efficiency.
  • Global Data Centers – Over 70 locations across Europe, North America, and Asia, ensuring maximum uptime and intelligent load balancing.
  • Zero Entry – No hardware required. Start mining instantly from your phone or computer, and enjoy comprehensive professional support.

Summary:

If you’re looking for ways to increase your passive income, Arc Miner is the best choice. Arc Miner helps you grow your cryptocurrency wealth on autopilot with minimal time investment. Passive income is the goal of every investor and trader, and Arc Miner makes maximizing your passive income potential easier than ever.

Download the iOS and Android mobile apps
Official Website: https://arcminer.com/
Official Email: info@arcminer.com

Plasma Joins Chainlink Scale and Integrates Chainlink As Its Official Oracle Provider To Increase Ecosystem Adoption In Collaboration With Aave 1984

  • With Chainlink CCIP, Data Streams, and Data Feeds live from day one as its official oracle infrastructure, Plasma unlocks global stablecoin liquidity, real-time payments, and secure cross-chain connectivity to over 60 other blockchain networks
  • Plasma has also joined Chainlink Scale to drive the next wave of stablecoin adoption
  • Aave and other leading DeFi protocols are live on Plasma with Chainlink, powering the next wave of DeFi use cases

Chainlink, the industry-standard oracle platform, and Plasma, a high-performance layer 1 blockchain purpose-built for stablecoins, announced today that Plasma has joined the Chainlink Scale program and adopted Chainlink as its official oracle provider via the Chainlink data and interoperability standards, enabling access to verifiable, low-latency market data and highly secure cross-chain connectivity. Chainlink Data Streams, Data Feeds, and the Cross-chain Interoperability Protocol (CCIP) are live on Plasma from day one, enabling developers to build advanced stablecoin use cases and support a robust, data-rich onchain payments ecosystem. Aave—the world’s largest and most trusted liquidity protocol—is live on Plasma at launch, leveraging Chainlink CCIP and Data Feeds, and showcasing how leading DeFi protocols are rapidly integrating Plasma.

Plasma is a high-performance layer 1 blockchain purpose-built for global stablecoin payments. Unlike general-purpose chains, Plasma is designed from the ground up to meet the unique demands of stablecoins—offering zero-fee transfers, customizable gas tokens, confidential payments, and the throughput to support high-volume, low-cost transactions at a global scale. With over $2B in stablecoin liquidity ready at launch and native EVM compatibility, Plasma provides developers with a stablecoin-optimized environment and all the tools they need to build scalable, composable financial applications for onchain remittances, micropayments, cross-border payments, and more.

“Stablecoins are one of the most important use cases in crypto. They give everyone, everywhere permissionless access to core financial services, including saving, spending, and earning. Plasma is building the infrastructure for this global financial system, and we are thrilled to join Chainlink Scale and adopt the Chainlink data and interoperability standards. With Chainlink, Plasma can scale our onchain ecosystem, strengthen our stablecoin rails, and bring mainstream adoption closer to reality.” – Paul Faecks, Founder and CEO

By integrating Chainlink Data Streams and Data Feeds, Plasma ensures developers have access to fast, reliable, and tamper-resistant price data that underpins its entire stablecoin economy. Chainlink Data Streams provides low-latency, sub-second markets data ideal for powering real-time onchain payments and high-frequency settlement. Together, these services give Plasma developers secure oracle infrastructure needed to build secure, composable stablecoin applications and scale the network to support global adoption. Chainlink Data Feeds, which already secures over $100B+ in total value across DeFi, delivers high-integrity reference prices for stablecoin trading pairs and collateralized applications enabling: lending markets, borrowing protocols, derivatives, and stablecoin-backed liquidity pools.

In addition to the integration of Data Streams and Data Feeds, developers will also gain access to Chainlink CCIP, equipping developers with a reliable, future-proof foundation for building secure cross-chain applications. Chainlink CCIP unlocks global market access, maximizes liquidity through seamless cross-chain asset utility, and provides battle-tested security backed by infrastructure that has already enabled tens of trillions in onchain transaction value. CCIP also enables seamless stablecoin transfers and messaging across blockchains with minimal integration overhead.

“By adopting the Chainlink standard and joining the Chainlink Scale program, Plasma is demonstrating how new layer 1 networks can launch with enterprise-grade stablecoin infrastructure from day one. With Chainlink services like CCIP, Data Streams, and Data Feeds available natively—and Aave bringing deep stablecoin liquidity to the ecosystem—Plasma is positioned to lead in building the next generation of stablecoin and onchain payment applications.”—Johann Eid, Chief Business Officer at Chainlink Labs

“Stablecoins are foundational to DeFi’s growth, and Aave secures over 70% of all stablecoins across DeFi lending. Bringing that deep liquidity to Plasma from day one—alongside Chainlink’s leading oracle infrastructure—extends it to a high-throughput network and a new community of builders. Together we unlock instant, low-cost stablecoin movement and secure cross-chain connectivity for real-time payments and next-generation onchain finance,” said Stani Kulechov, Founder & CEO, Aave Labs

CCIP’s modular risk management and compliance capabilities empower stablecoin developers to tailor interoperability requirements for their specific use cases, with features like Token Developer Attestation for permissioned token movement, policy enforcement tools for customizable transfer rules, and a defense-in-depth model that uses multiple decentralized oracle networks (DONs) to validate every transaction. As CCIP continues to evolve, stablecoins gain access to a growing suite of capabilities designed to meet the needs of both Web3-native teams and institutions integrating across an expanding network of public and private chains.

About Chainlink

Chainlink is the industry-standard oracle platform bringing the capital markets onchain and powering the majority of decentralized finance (DeFi). The Chainlink stack provides the essential data, interoperability, compliance, and privacy standards needed to power advanced blockchain use cases for institutional tokenized assets, lending, payments, stablecoins, and more. Since inventing decentralized oracle networks, Chainlink has enabled tens of trillions in transaction value and now secures the vast majority of DeFi.

Many of the world’s largest financial services institutions have also adopted Chainlink’s standards and infrastructure, including Swift, Euroclear, Mastercard, Fidelity International, UBS, ANZ, and top protocols such as Aave, GMX, Lido, and many others. Chainlink leverages a novel fee model where offchain and onchain revenue from enterprise adoption is converted to LINK tokens and stored in a strategic Chainlink Reserve. Learn more at chain.link.

About Plasma

Plasma is the layer 1 blockchain building the stablecoin infrastructure for a new global financial system. It is purpose-built for global stablecoin payments, offering zero-fee USD₮ transfers, custom gas tokens, and confidential payments to help realise the stablecoin promise of permissionless access to financial services for everyone. With $2.5B+ stablecoin TVL at launch, Plasma’s global payments coverage and inbound suite of products position it as the native chain for stablecoin payments.

About Aave

Aave is the world’s largest and most trusted decentralized finance (DeFi) platform, with $67 billion in net deposits and over $28 billion in active loans. Aave operates as a global lending, borrowing, and savings network where people can earn by depositing crypto or stablecoins, borrow instantly using their assets as collateral, save and earn automatically, and swap tokens directly in the platform. Aave runs on transparent smart contracts, with no banks, no paperwork, and 24/7 open access worldwide. For more information, please visit aave.com