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At its most basic level, yield farming is a system that allows cryptocurrency holders to lock up their holdings in exchange for rewards. It’s a method of earning fixed or variable interest by investing in a DeFi market with cryptocurrency. Yield farming is mostly done on blockchains in which rewards are received. While this may change in the future, the Ethereum ecosystem currently handles almost all yield farming transactions.


The first process in yield farming is to invest in a liquidity pool, which is a collection of smart contracts that receive funds. These pools provide the foundation for a marketplace where users can trade, borrow, or lend tokens. You’ve officially become a liquidity provider after you’ve added your funds to a pool.

You’ll be rewarded with fees generated by the underlying DeFi platform in exchange for locking up your finds in the pool. It’s important to note that yield farming does not include things like investing in ETH.

It’s far from simple, and it’s certainly not cheap. Those who provide liquidity are rewarded in proportion to the amount of liquidity they provide, so those who reap large rewards have correspondingly large sums of capital.


The majority of protocols and platforms, as well as yield farmers, calculate expected returns in annual percentage yields (APY). The annual percentage yield (APY) is the rate of return on a particular investment over the course of a year. The APY takes into account compounding interest, which is calculated on a regular basis and applied to the amount.

A list of ten most popular yield farming protocols include; AAVE, Compound, Curve Finance, Uniswap, Instadapp, SushiSwap, PancakeSwap, Venus Protocol, Balancer & Yearn.finance.


  • Liquidity suppliers deposit money in liquidity pools.
  • Deposited funds are typically USD-linked stable coins such as DAI, USDT, USDC, and others.
  • Another reason to contribute money to a pool is to accumulate a token that isn’t traded publicly or has a low volume by providing liquidity to a pool that rewards it.
  • Your profits are determined by the amount you invest and the protocol’s rules.
  • Reinvesting your reward tokens into other liquidity pools, which provide different reward tokens, allows you to create complex investment chains.


Yield farming is a complicated process that exposes both borrowers and lenders to significant financial risk. When markets are volatile, users face an increased risk of temporary loss and price slippage. However, because of potential vulnerabilities in the protocols’ smart contracts, yield farming is vulnerable to hacking and fraud. Due to the intense competition among protocols, where time is of the essence and new contracts and features are frequently unaudited or even copied from predecessors or competitors, these coding bugs can occur.


[1]Hertig, A. (2020, December 17). What Is DeFi? Retrieved from https://www.coindesk.com/what-is-defi

[2] Deltec. (2021, February 12). What is DeFi and Yield Farming? Retrieved from https://www.deltecbank.com/2021/02/12/what-is-defi-and-yield-farming/

[3] Binance Academy. (2021, March 19). What Are Liquidity Pools in DeFi and How Do They Work? Retrieved from https://academy.binance.com/en/articles/what-are-liquidity-pools-in-defi


Trusted Application for DAPP, Defi, NFTs, Global Payments & More.
The Crypto Lending Space: A Beginner’s Guide

The digital lending sector is evolving at a great pace. Depending on your perspective and where your assets are now stored, crypto lending is the best thing since the creation of blockchain technology.

Cryptocurrencies are made possible by blockchain technology. Through the usage of Decentralized Finance (DeFi), a wave of  bank transfer transformations is currently ongoing and constantly evolving.

What Is Crypto Lending?

It is the act of lending cryptocurrencies or fiat money to borrowers in exchange for interest payments via crypto exchanges or other lending platforms, as the name suggests. As part of the rising trend in finance and blockchain, interest will be charged at a set rate for lending to take place.

Crypto lending is suitable for investors who have crypto assets but are unlikely to use them any soon. It enables investors to earn additional cryptos simply by lending them out, agreeing to the smart contract, and earning a rate of interest for a set length of time.

How Crypto Lending Works

Although crypto lending differs slightly from platform to platform, the core concept remains the same regardless of whatever platform you choose. An investor uses a lending platform to make his or her crypto assets accessible for loan at a fixed rate.

By submitting collateral that will be insured on the lending platform, a borrower will request to borrow or lend some of the lender’s assets from the exchange.

The entire process of cryptocurrency lending and borrowing is secure since smart contracts are used in crypto lending, and the contracts carry out the terms.

The following three agents are required for crypto lending to take place:

A Crypto Lending Platform

Lending and borrowing transactions are handled through this platform. There are platforms that are both decentralized and centralized.

  • The Borrower

This might be individuals asking for money, and they’re usually utilizing crypto assets or fiat currency as collateral to get money for whatever reason.

  • The Lender

This is an individual investor who lends or offers to lend his or her assets, such as a crypto asset owner hoping for a price or value increase. Some of the popular lending platforms include; Nexo,Vleppo & BockFi


Lending cryptocurrencies can be a simple way to earn passive income; however, the technology underlying crypto lending is still in its infancy and developing rapidly. Crypto financing will mature as more platforms contribute to the ecosystem.


[1] What is crypto lending (https://crowdfunding-platforms.com/crypto-lending)

[2] How crypto lending works (https://www.experian.com/blogs/ask-experian/what-is-crypto-lending/)

[3] Akash Takyar (https://www.leewayhertz.com/how-defi-lending-works/)


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The concept of digital trading assets gained popularity via the CEX; centralized exchange managed by a centralized administration. The centralized exchanges caught the attention of most investors until they faced issues with security, downtime, lack of transparency, and above all, hefty transaction fees along with additional charges of brokerage. The latter created a need for Decentralized exchanges (DEXs) that eliminated the need and involvement of the intermediary.

The traditional decentralized exchange was in its glory for quite a while until users faced issues of order books and poor liquidity.  However, the Automated Market Makers (AMMs) came to the rescue by simply eliminating ordering books and replacing them with liquidity pools. Despite these changes, the problem of liquidity persisted in individual DEXs. Therefore, the DEX aggregators pooled fragmented liquidity together in a single platform creating a greater liquidity reach and exchange conditions .

Yet again, most of the DEX aggregators were limited to Ethereum-based liquidity pools limiting multi-chain accessibility. Consequently, they struggled in trading volumes compared to CEX. However, Cross-Chain Aggregators came to the rescue when they emerged in the market.

A Cross-Chain Aggregator is a developed network of DEXs and these Aggregators have worked to eliminate base problems by pooling liquidity from multiple blockchains thus providing frictionless liquidity and a variety of assets to the user.  With a unique algorithm, Aggregators use the most appropriate route to provide the trade orders at the best prices across different blockchains, easing the users’ trading strategies.

With this ideal functionality, the demand for Cross-Chain Aggregators is rising, and aggregators so far have proven to be the next level of blockchain liquidity.


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The sudden demand and trades for NFTS is taking the Crypto Market by storm, so what then are NFTs? They are non-fungible tokens built on Blockchain, and are on digital marketplaces where users can create, buy or sell their NFT assets.With its ability to securely value the non-monetary assets, NFTs have revolutionized many co-operate industries. Some of the areas where NFTs have had great impact include.


A marketplace needs to keep up with the ongoing trends for its survival and popularity. Similarly, people have taken advantage of the NFT market to display the most trending asset to the target audience, the value of which increases over time.The same strategy was adopted within the sports industry and institutions, which are currently the most popular NFT marketplaces.

Art Industry

Artists have taken the best advantage of the NFT marketplace, converting their creative assets to non-fungible tokens. The ownership and authorship are the artist himself, and the buyer also gets an ownership certificate showcasing every previous owner of that piece. This revolutionizing of commercial arts has exposed many hidden talents and has enabled people into investing a few bucks and returning with millions, since NFT art pieces are sold under such huge price tags. 

Real Estate Industry

Tokenization of real estate has also opened many investment opportunities. The tokens are created on Blockchain technology and then assigned to the virtual real estate properties which exist or are under construction. There are multiple virtual communities that are being developed, with the aim of building them as massive as actual cities with developed community across a virtual space.

NFTs are getting very popular among millennialsand some analysts say it is the future of the crypto market. So, if you’re looking to sell your virtual assets at a good profit, the time is now!

NFT CROSS-CHAIN AGGREGATOR: The Next Crypto Market Sensation

Trusted Application for DAPP, Defi, NFTs, Global Payments & More.

The Blockchain ecosystem has given rise to many niches in crypto, and the non-fungible token (NFT) is one of its incipient areas. Multiple ecosystems are bringing innovations and development into NFT trading and utility platforms, thus developing large-scale markets for NFTs. However, despite the upscale of NFTs cross-chain, interoperability is still a challenge in this area.

Interoperability promotes information accessibility and sharing among different blockchains however, among NFTs platforms, isolation from interchain connectivity still exists. The isolation of individual NFTs has impeded growth for all these years despite the explosive adoption of NFTs. Another factor affecting interoperability is the high transaction fees that if put together could cost a fortune. Even when users are given the option of migrating NFT assets to other chains, the distinctiveness of an on-chain token is then lost.

To solve the isolation problems associated with NFTs, building NFT Cross-Chain Aggregators may turn out to be a welcome development and the future of NFTs.  Just like cross-chain exchanges, NFT platforms merging with a high level of transparency will aid multi-asset trading. So far, the ERC-1155 and ERC-721 NFT standard-operated tokens are welcoming this initiative to strengthen the interoperability of NFTs and expand the crypto market. Also, other blockchain projects with track records of success are currently exploring the possibilities of aggregating NFT assets for all to explore.