Author: Stephanie Bedard-Chateauneuf

Tether, the issuer of the world’s most popular stablecoin USDT, has made another big move—this time in the crypto payments app space. The company recently announced an investment in Hong Kong-based startup Fizen, a self-described “super app” that enables users to perform everyday transactions using cryptocurrencies. This marks Tether’s third major investment in 2025, reflecting its growing appetite for strategic bets in digital finance.

Fizen: A Super App for Crypto Utility

Fizen aims to simplify how consumers interact with cryptocurrencies. Rather than focusing on speculative trading, the crypto payments app allows users to pay for daily needs like mobile phone top-ups and movie tickets using crypto. The platform is designed to run seamlessly in the background, making it so intuitive that users may not even realize they are interacting with blockchain technology.

Leo Vu, CEO and founder of Fizen, said in a statement, “The technology infrastructure is already in place. We lack consumer-friendly applications.” Fizen’s goal is to bridge that gap—bringing crypto into the real world, without the technical friction.

Tether’s Strategic Shift Toward Practical Crypto Solutions

Tether’s investment strategy has taken a clear turn toward practical, utility-driven ventures. While the firm made headlines earlier this year for unconventional moves—like its acquisition of a stake in Italian football club Juventus (BIT:JUVE) and a $385 million bid for a South American farming company—its latest decision re-aligns with its crypto roots.

In March, Tether also took a 30% stake in media firm Be Water, further diversifying its holdings. But with Fizen, the focus is squarely back on crypto payments apps, signaling a renewed interest in supporting technologies that drive real-world blockchain adoption.

Paolo Ardoino, CEO of Tether, stated, “Our investment in Fizen underscores our commitment to expanding global access to efficient and reliable digital financial solutions.”

Stablecoin Powerhouse

As the issuer of USDT, Tether dominates the stablecoin market, with $145 billion in circulation. That’s roughly 62% of the total market share. With reserves that generated $13 billion in profits in 2024 alone, the company has significant firepower for further expansion.

These profits are now being redirected into strategic ventures that align with Tether’s long-term vision: mass adoption of crypto in everyday life. The crypto payments app space, with its focus on functionality and ease of use, is a natural fit.

Fizen’s Backers and Business Model

Other investors in Fizen include blockchain development firm Sotatek, software company VNext, and layer-1 blockchain platform Viction (formerly TomoChain). Fizen’s previous funding came from token sales, although it is unclear whether Tether’s stake was in the form of equity, tokens, or a hybrid deal.

The entry of Tether into this investor pool adds credibility and financial muscle to Fizen’s expansion plans. The startup now has a powerful partner capable of accelerating its product development and market reach.

The Rise of Crypto Payment Infrastructure

Tether’s move comes amid a broader trend in financial technology. Earlier this year, U.S.-based crypto exchange Kraken launched Kraken Pay, a service offering payments in both crypto and fiat. UK fintech giant Revolut introduced a crypto payments card in 2024, and companies like Galaxy Ventures have predicted that payment infrastructure will become one of crypto’s most important battlegrounds.

As digital assets mature, the emphasis is shifting from trading and speculation to practical, everyday utility. The crypto payments app model embodies this transformation.

Final Thoughts

Tether’s investment in Fizen illustrates a growing focus on bringing crypto into mainstream use through seamless and practical applications. With strategic capital behind it and a rapidly evolving sector ahead, Fizen could become a leading name in how consumers interact with digital money—without even knowing they’re using crypto.

As more fintech and blockchain firms follow suit, expect the line between traditional and digital finance to blur even further.

Featured Image:  Freepik © ruslan_ivantsov

Please See Disclaimer

CartelFi is making waves in the crypto world as its presale has surpassed $500k in just 24 hours. This groundbreaking project is turning idle meme coins into yield-generating assets, attracting massive attention from investors. Could CartelFi be 2025’s biggest moonshot crypto? Let’s dive into why this innovative approach is capturing the spotlight.

CartelFi: Turning Meme Coins into Money Printers

Cryptocurrencies are constantly evolving, and CartelFi is bringing a fresh perspective to the market. By transforming idle meme coins into 24/7 income-generating assets, CartelFi has ignited significant interest. Memecoins, often seen as speculative assets with no inherent utility, are now being leveraged in a new way.

This innovation comes at a time when many crypto investors are looking for ways to gain passive yield without having to sell off their favorite tokens. CartelFi addresses this problem by allowing users to deposit their meme coins into custom-built liquidity pools within CartelFi’s Vaults, offering up to 10,000% annual percentage yield (APY) through single-sided staking. This unique model lets investors retain 100% price exposure while generating income from their tokens. The best part? Investors can still hold onto their memes and wait for that potential 100x, but now their assets are working for them.

A Deflationary Tokenomics Model: The Buyback Engine

CartelFi’s dual-model approach is a key reason behind the growing excitement surrounding the project. Along with the liquidity pools, CartelFi features a relentless buyback engine that utilizes up to 100% of platform fees to purchase CARTFI tokens. Half of these tokens are then burned, creating a deflationary effect. This model, referred to as “programmed scarcity” in CartelFi’s whitepaper, ensures that the token supply continuously shrinks, creating upward pressure on its value.

The more meme liquidity that enters the system, the greater the buybacks become. As the supply of CARTFI decreases, the demand increases. This creates a flywheel of scarcity that intensifies with every trade, stake, or swap. If CartelFi captures just 1% of the $40 billion memecoin market, the resulting $400 million in total value locked (TVL) could lead to millions in daily buy pressure for CARTFI token holders.

Bridging Memes and DeFi

Memecoins have long been viewed as speculative, with little to no real-world utility. However, CartelFi is changing the narrative by giving memes a purpose. For the first time, meme tokens are being transformed into yield-generating assets that can provide returns to holders. This innovative approach effectively monetizes memecoins, allowing users to make money while they sleep, as famously stated by Warren Buffett.

CartelFi applies this principle to the most chaotic corner of the crypto space, elevating meme coins from being “dumb money” to becoming intelligent capital. By offering a mechanism to create value from what was once a joke, CartelFi is bridging the gap between the fun side of crypto and serious financial mechanics. This shift could have far-reaching implications for the entire meme sector, which has historically been seen as volatile and unproductive.

Why CartelFi Could Outperform Every Meme Token in 2025

The CartelFi tokenomics model is one of the most exciting aspects of the project. Unlike other altcoins that typically inflate supply to reward insiders, CartelFi’s buyback and burn mechanics ensure that every interaction within the platform benefits the token holders. This approach ensures that value continuously flows back to investors, making CartelFi a compelling investment opportunity.

With its presale raising $500k in just one day, the demand for CartelFi is undeniable. As CartelFi continues to innovate and attract meme liquidity, it is poised to become a standout project in the crypto world. By combining institutional-style yield mechanics with the power of memecoins, CartelFi is set to kickstart another wave of meme mania.

In conclusion, the potential for CartelFi to become the next big thing in the crypto space is significant. With its deflationary tokenomics, unique yield-generation model, and the ongoing surge in presale interest, CartelFi is positioned to make a major impact in 2025.

Featured Image: Freepik @ produtizebro

Please See Disclaimer

Cryptocurrency enthusiasts and investors are eagerly awaiting the next big move in the market, with many speculating that the XRP price prediction for 2025 could point toward substantial gains. As global demand for efficient, low-cost payment solutions increases, the future of XRP (XRP) looks bright. Let’s dive into the current trends and predictions surrounding XRP, and also explore how Remittix (RTX) is emerging as a promising contender in the crypto space.

XRP Price Prediction: A Look at 2025’s Forecast

XRP (XRP) is currently trading at around $1.89, showing a steady rise of over 5% in the past 24 hours. The latest XRP price prediction is generating excitement, with many experts suggesting the cryptocurrency could reach as high as $4.26 by April 2025. This prediction reflects a potential ROI of approximately 124.08%, a figure that is attracting significant attention from traders and investors alike.

Some analysts are more conservative, suggesting the price could stabilize at around $2.62, while others anticipate an average value of $3.64 over the coming months. While the bullish XRP price prediction fuels optimism, it’s important to remember that such forecasts are subject to market fluctuations and external factors like regulatory developments or broader economic trends.

Despite these uncertainties, XRP’s track record as a leader in the world of cross-border payments continues to fuel investor confidence, contributing to a positive outlook in the months ahead.

The Role of Remittix (RTX) in the Crypto Space

As XRP grabs attention with its strong price predictions, a new player, Remittix (RTX), is quietly making waves in the market. This innovative project, which has already raised over $14.4 million in its presale phase, is drawing interest for its practical approach to cross-border remittance solutions. Remittix (RTX) aims to simplify the process of sending money internationally by significantly reducing fees and transfer times.

With its current token price of $0.0734, Remittix (RTX) has sold over 527 million tokens, signaling strong investor demand. The project’s PayFi model, which allows users to convert cryptocurrency to fiat and deposit funds directly into bank accounts within 24 hours, has resonated with many who seek real-world applications for blockchain technology.

Why Remittix (RTX) Could Outshine Other Altcoins

The appeal of Remittix lies in its practical utility. Unlike many altcoins driven by speculative hype, Remittix focuses on solving real-world financial problems. Its streamlined process allows users to avoid high transfer fees and lengthy delays, making it an attractive option for individuals and businesses that need efficient global payments.

As global remittance markets continue to grow, Remittix (RTX) has the potential to become a major player in the crypto payment space. The project’s focus on everyday financial challenges sets it apart from many other projects, which may prioritize speculative value over practical use cases. For investors seeking long-term value, Remittix (RTX) presents a compelling opportunity.

Conclusion: A Dual Opportunity in Crypto

While the XRP price prediction for 2025 offers the possibility of substantial gains, it’s important to remember that the cryptocurrency market is volatile, and predictions should be viewed with caution. Still, XRP’s position as a leader in cross-border payments suggests a promising future.

At the same time, Remittix (RTX) is offering a fresh, practical approach that has caught the attention of large investors. By focusing on real-world utility, Remittix (RTX) could become a serious contender in the payment sector, appealing to those seeking stability and tangible benefits in the crypto space. Whether you’re drawn to the explosive potential of XRP (XRP) or the grounded value of Remittix (RTX), both offer unique opportunities in the evolving world of digital currencies.

Explore both XRP’s potential for explosive growth and Remittix’s practical utility.

Featured Image: Freepik

Please See Disclaimer

Crypto.com, a leading cryptocurrency exchange, has expanded its payment options for European Union (EU) users by allowing them to fund crypto purchases directly through PayPal. This move marks a significant step in making crypto payments accessible to a broader audience and bridging the gap between traditional finance and the fast-growing digital asset market. The integration aims to simplify the purchasing process for millions of European users looking to explore or expand their presence in the crypto space.

Bridging Traditional Finance with Digital Assets

The new PayPal integration allows Crypto.com users in the EU to use their PayPal accounts for cryptocurrency purchases. This feature is designed to reduce friction for users who may hesitate to link a traditional bank account or use a credit card directly for crypto transactions. By leveraging PayPal, which is widely recognized and trusted for online payments, Crypto.com hopes to make the process of entering the crypto market more seamless and less intimidating for everyday users.

Many users are still cautious about engaging with digital currencies, often because they’re unfamiliar with the processes involved. By offering a familiar and secure payment method like PayPal, Crypto.com is addressing these concerns, making it easier for people to buy and invest in cryptocurrencies without needing to understand the complexities of traditional banking methods.

PayPal Expands Its Role in Digital Assets

PayPal (NASDAQ:PYPL) has been increasingly involved in the world of digital assets, expanding its crypto offerings in recent years. This includes enabling users in select markets to buy, sell, and transfer cryptocurrencies through their PayPal accounts. The integration with Crypto.com is part of PayPal’s broader strategy to promote cryptocurrency adoption and usage globally.

In addition to supporting transactions in popular digital currencies like Bitcoin (BTC) and Ethereum (ETH), PayPal has also launched its own stablecoin, PayPal USD (PYUSD), which is backed by U.S. dollar reserves. This stablecoin is designed to provide a stable medium of exchange for PayPal’s global user base, and it has been integrated into PayPal’s services, including international transfers via Xoom, a PayPal-owned platform. The move to bring PayPal payments to Crypto.com’s EU users highlights the growing influence of PayPal in the digital asset ecosystem.

Crypto.com’s Strategic Expansion

Crypto.com, a prominent player in the crypto exchange space, continues to expand its services globally while navigating a challenging regulatory environment. The company recently received a significant boost when the U.S. Securities and Exchange Commission (SEC) decided not to take any enforcement action against the exchange following a lengthy investigation. This decision comes at a time when Crypto.com has been pushing to extend its services to new markets and improve its platform’s user experience.

Nick Lundgren, the Chief Legal Officer at Crypto.com, commented on the SEC decision, stating, “Under the previous administration, the SEC weaponized and attempted to expand its congressionally granted power in order to harm an industry that its former chair disfavored.” The company’s focus now is on strengthening its presence in regions like the EU and continuing to innovate in the cryptocurrency space.

The Future of Crypto Payments in the EU

The integration of PayPal payments into Crypto.com’s platform is a significant milestone for both companies. As digital currencies gain more mainstream acceptance, the move provides an easier entry point for EU users looking to interact with the crypto market. This integration not only benefits consumers but also signals a shift toward the mainstream acceptance of cryptocurrencies as a legitimate form of payment and investment.

The success of this feature will likely prompt other exchanges to explore similar partnerships, making crypto payments more integrated into the global financial system. As PayPal continues to expand its crypto services, and as more countries develop regulatory frameworks for digital assets, the relationship between traditional finance and cryptocurrency will only deepen. The new feature could serve as a model for future collaborations between the crypto and traditional finance sectors, leading to greater innovation and broader adoption.

Conclusion

With PayPal’s involvement in crypto transactions now extended to Crypto.com users in the EU, the bridge between traditional finance and digital assets has grown even stronger. This new integration simplifies the purchasing process and encourages more people to explore the world of cryptocurrency. As more companies, like PayPal, take steps to expand their crypto offerings, the market will likely continue to mature, offering users easier and more secure ways to engage with digital assets.

Featured Image:  Freepik © ruslan_ivantsov

Please See Disclaimer

The debate surrounding stablecoin regulation has reached new heights as several crypto executives are pushing Congress to allow stablecoin issuers to pay interest on their U.S. dollar-pegged tokens. This proposal has ignited heated discussions among lawmakers, financial institutions, and crypto industry leaders alike.

What Are Stablecoins?

Stablecoins are digital assets pegged to stable assets, such as the U.S. dollar, to minimize volatility. They are widely used for transactions within the crypto space and serve as an alternative to traditional banking systems. Stablecoin issuers hold large reserves, often in U.S. Treasury bonds or other cash equivalents, to maintain the peg to the dollar.

Currently, these issuers generate interest from their holdings but do not share the returns with token holders. Instead, the interest earned remains within the issuing companies. The crypto executives advocating for change argue that it’s unfair for crypto firms to be excluded from offering interest payments while traditional banks do so for their depositors.

The Proposal: Paying Interest on Stablecoins

Proponents of the proposal believe that stablecoin issuers should be allowed to share the interest they earn with token holders. One prominent voice in this push is Coinbase CEO Brian Armstrong, who has criticized the government’s stance on the issue. Armstrong stated, “The government shouldn’t put its thumb on the scale to benefit one industry over another,” highlighting the need for equal treatment between the banking and crypto sectors.

By offering interest, stablecoin issuers could create a new incentive for users to hold digital assets, which could, in turn, encourage broader adoption of cryptocurrencies. This move could potentially open the door for new financial innovations within the crypto space, making stablecoins more competitive with traditional banking products.

Concerns From the Banking Sector

Opponents of allowing interest payments on stablecoins argue that this could disrupt the traditional banking system. The American Bankers Association has voiced significant concerns, suggesting that paying interest on stablecoins could lead to the migration of deposits away from regulated financial institutions, thus destabilizing the banking system.

The banking sector’s main fear is that the ability of crypto companies to pay interest could attract a large number of consumers, diverting capital from banks. This could limit the banks’ ability to provide loans and other financial services, potentially reducing their ability to act as the backbone of the economy. Furthermore, there is concern that such a move could place taxpayers at risk of bearing the costs of any financial losses should stablecoins face issues with liquidity or other risks.

Stablecoin Regulation: Congressional Bills

As the stablecoin regulation debate intensifies, Congress is actively considering bills that would establish a regulatory framework for stablecoins. However, these bills have varied approaches to the issue of interest payments.

The House Financial Services Committee approved a bill on April 2, 2025, that would explicitly prohibit stablecoin issuers from paying interest. This bill seeks to maintain the traditional role of banks in offering financial products and services. Conversely, a bill that passed through the Senate Banking Committee in March 2025 is less clear on this issue, with the GENIUS Act (Growing the Economy with New and Innovative Uses of Stablecoins) being on a fast track for approval due to its bipartisan support.

Despite the differences in the bills, both sides agree that stablecoin regulation is essential for ensuring the stability of the crypto market. However, the inclusion of interest payments as part of this regulatory framework remains a contentious point that will likely continue to be debated in the coming months.

The Future of Stablecoin Regulation

The push for stablecoin issuers to pay interest highlights the evolving nature of cryptocurrency regulation. As the market for digital assets grows, regulatory bodies face increasing pressure to adapt traditional financial rules to accommodate these new technologies. The debate over interest payments underscores the growing importance of stablecoins in the financial ecosystem.

As Congress continues to review the bills and stakeholders on both sides present their arguments, the future of stablecoin regulation will shape the broader crypto landscape. Should interest payments be allowed, it could mark a significant shift in how digital assets are integrated into the global financial system.

Ultimately, the resolution of this debate will have long-lasting implications for the stability and growth of both the crypto and traditional banking sectors.

Featured Image: Freepik

Please See Disclaimer