saving

Theo báo cáo của The Defiant, một địa chỉ ví đã chuyển 150 triệu USDT từ giao thức cho vay Aave sang Spark Savings.Sự chuyển tiền này diễn ra khi lãi suất vay của Aave tăng lên mức hai chữ số. Do ảnh hưởng của việc rút tiền, vào ngày 8 tháng 10, dự trữ USDT trên Ethereum của Aave có tính thanh khoản khả dụng là 169.54 triệu đô la.

Theo thông tin từ Bitcoin Magazine, công ty công nghệ tài chính Bitcoin Castle đã công bố mở cửa hệ thống tài chính tự động Bitcoin của mình cho người dùng cá nhân, đồng thời ra mắt tính năng tiên phong trong lĩnh vực này: người dùng có thể chọn nhận cổ tức bằng tiền mặt hoặc Bitcoin theo tỷ lệ tùy ý.Doanh thu của Castle đến từ cổ phiếu ưu đãi vĩnh viễn STRC do Strategy phát hành, sản phẩm này đã được đưa vào nền tảng vào đầu năm nay và hiện đang trả cổ tức hàng năm 12% theo chu kỳ nửa tháng. Người dùng có thể nhận 100% cổ tức bằng tiền mặt, cũng có thể đổi 100% sang Bitcoin, hoặc chọn bất kỳ tỷ lệ nào giữa hai hình thức này. Theo công ty, phần lớn người dùng sẽ chọn phương án trung hòa, sử dụng tiền mặt để trang trải chi phí hàng ngày, phần còn lại sẽ tự động được tái đầu tư thành Bitcoin mỗi khi nhận cổ tức.Người đồng sáng lập và CTO của Castle, João Almeida cho biết, các nhà đầu tư lâu dài thường phải đối mặt với tình huống phải chọn giữa lợi nhuận ổn định và việc nắm giữ Bitcoin, Castle đã giúp người dùng có thể đồng thời nhận dòng tiền và không gian tăng trưởng dài hạn bằng cách tự động đổi một phần cổ tức thành Bitcoin. Trước đây, Castle chỉ phục vụ cho các khách hàng doanh nghiệp như nhà hàng, phòng gym, công ty kế toán, thương mại điện tử, việc mở tài khoản cá nhân lần này là do yêu cầu liên tục từ các chủ doanh nghiệp. Castle được Almeida và CEO Stephen Cole đồng sáng lập, đã nhận được đầu tư từ Boost VC và Winklevoss Capital.

The decentralized finance protocol Ethena announced a partnership with Coinbase, and both parties will jointly develop on-chain financial and savings products for Coinbase's over 100 million users, with the first growth plan set to launch next week.Meanwhile, Coinbase Ventures has completed its initial investment in Ethena (ENA) in the public market.

It has been reported that banks in the Hong Kong region are tightening account openings. According to informed sources, in accordance with the requirements of the Hong Kong Monetary Authority, some banks in the Hong Kong region will start tightening the opening of investment accounts from May 26, including the need to sign paper declarations, but there is currently no impact on savings accounts.

According to data released by Binance Research, currently 28% of Binance users allocate at least half of their investment portfolio to stablecoins, a significant increase from 4% in 2020; in emerging markets, this proportion is as high as 36%.

According to Crowdfund Insider, the Dutch bank ClearBank has announced that it has obtained approval for the EU's Markets in Crypto-Assets Regulation (MiCA) and has received a Crypto Asset Service Provider (CASP) license from the Netherlands Authority for the Financial Markets (AFM). It will launch digital asset services, including stablecoins. The bank also stated that it plans to support euro and dollar-based stablecoins (EURC and USDC) in the future to enhance the efficiency of cross-border transfers and payments.In addition, ClearBank announced that it will provide savings account services through Coinbase and will be included in the coverage of the UK's Financial Services Compensation Scheme (FSCS).

CZ posted on the X platform stating that this is a profound topic. Typically, people have lower earning potential when they are young and need to strike a balance between spending, saving, and investing (financial investment or self-investment). The key is to find an almost optimal balance point. The book "Die with Zero" explores this topic in more detail.

Uber and Lyft former executive Travis VanderZanden announced the launch of a Bitcoin-linked savings token called BUCK, which aims to provide users with an approximate target annual return of 7%.

According to Bitcoin Magazine, Fidelity CEO Abigail Johnson said, "I love Bitcoin. I hold Bitcoin. It will play an important role in the savings system."

French Bitcoin savings app Bitstack announced the completion of a $15 million Series A funding round, led by 13books Capital, with follow-on investments from existing shareholders including YC, Serena, and Plug and Play.The new funds will be used for expansion in Europe and product upgrades, including the launch of a VISA debit card with Bitcoin cashback (Stackback) in January 2026. Bitstack claims its goal is to become "the leading Bitcoin savings platform in Europe."

According to Jinshi, Federal Reserve Governor Milan stated that independent estimates of the growth of stablecoins indicate that their impact could reach 30%-60% of the savings during the period from 2000 to 2010.

According to The Block, Coinbase launched savings accounts in the UK starting November 11, becoming the first regulated savings product offered by a crypto-native exchange. The account is powered by ClearBank and is initially available to a select group of eligible users, with plans to gradually roll out to all UK users in the coming weeks.Users can enjoy a variable annual interest rate of 3.75% AER on deposits in British pounds (GBP), with interest calculated daily, instant deposits and withdrawals, and no minimum balance or lock-in period. More importantly, deposits are protected by the Financial Services Compensation Scheme (FSCS), with a maximum coverage of £85,000 (approximately $112,000), providing the same level of protection as traditional UK banks.Coinbase UK's CEO Keith Grose stated that this product demonstrates the company's commitment to providing the best financial services for UK users, aiming to become the number one financial app in the UK. Product lead Mitesh Savjani added that the account combines high interest rates with crypto asset trading, allowing users to enjoy the advantages of both traditional finance and crypto finance on a single platform.The UK is Coinbase's largest international market, having obtained FCA registration as a Virtual Asset Service Provider (VASP) in February this year, making it the largest registered exchange in the region. With the Coinbase Card, users can spend directly in cryptocurrency, stablecoins, or fiat currency, further blurring the lines between crypto and traditional finance.However, Coinbase has faced regulatory challenges in the UK and Ireland in recent years. In 2024, the UK subsidiary was fined $4.5 million by the FCA for violating high-risk customer service restrictions; last week, the Central Bank of Ireland also fined Coinbase's European subsidiary $24.7 million for deficiencies in anti-money laundering monitoring.This savings account offers a higher interest rate than most traditional banks but is slightly lower than some top fintech products, indicating that Coinbase is actively seeking to capture the UK retail financial market.

According to Jinshi reports, the North American region has begun to implement standard time. The trading hours of financial markets in the United States and Canada (gold and silver, crude oil, U.S. stocks, etc.) and the release times of economic data will be one hour later than daylight saving time. Starting today, gold and silver, as well as crude oil, will open at 07:00 Beijing time and close at 06:00 the next day. U.S. stocks will open at 22:30 Beijing time and close at 05:30 the next day. Investors are advised to pay attention.

ChainCatcher news, according to CoinDesk, Aave Labs, the company behind Aave, announced the acquisition of San Francisco-based startup Stable Finance, which focuses on simplifying on-chain savings services.This acquisition will bring Stable Finance founder Mario Baxter Cabrera and his engineering team into Aave Labs, with Cabrera serving as the Product Director to assist in building consumer-facing DeFi products. Stable Finance is known for its mobile application that allows users to deposit USD or cryptocurrencies and earn interest through stablecoin yield strategies, providing users with a single on-chain savings interface that hides the technical complexities of DeFi.Aave Labs founder Stani Kulechov stated that this acquisition strengthens the company's goal of "transforming on-chain finance into everyday finance." Stable's technology will be integrated into future Aave Labs products, and its existing applications will be gradually phased out.

ChainCatcher news, the DeFi protocol Spark has released its roadmap for the next 6 months today, planning to launch several new products including Savings V2, Spark Institutional Lending, and the mobile application Spark Mobile, as well as further expanding stablecoin liquidity services and automated trading business.According to the roadmap, Savings V2 will go live on the Ethereum mainnet in October this year after receiving governance approval. This version will add support for USDT and ETH on top of the existing USDC treasury (with a TVL of $620 million). Spark Institutional Lending will utilize the Morpho V2 architecture to provide fixed-rate loans for institutions, expected to launch by the end of this year, with an initial liquidity scale exceeding $100 million and anticipated to grow to over $1 billion.

ChainCatcher news, according to Zhitong Finance, Australia's retirement fund system, which amounts to AUD 4.3 trillion (approximately USD 2.8 trillion) ------ long regarded as one of the most well-regulated savings pools globally ------ is becoming a new frontier for cryptocurrency.Coinbase and OKX have successively launched products aimed at investing pension funds in cryptocurrencies, marking a further infiltration of digital assets into the mainstream financial system. Their initial focus is on self-managed superannuation funds (SMSFs) ------ these funds, managed independently by investors, account for a quarter of the Australian pension market. Unlike mainstream pension funds that generally avoid cryptocurrency assets, SMSFs provide individuals with full investment autonomy.A spokesperson for the Australian Securities and Investments Commission (ASIC) stated, "Such products are extremely volatile, and excessive exposure may lead to significant losses." The agency also recommends that consumers seek professional advice from accountants or financial advisors before establishing an SMSF. It emphasized, "We remind those considering setting up an SMSF that the core objective of the pension system is to preserve and grow value, ultimately providing individuals with the income needed for a decent retirement."

ChainCatcher news, according to Microsoft, has saved $500 million through artificial intelligence technology during significant layoffs, with 35% of new product code written by AI.

ChainCatcher news, according to Bloomberg, the German Savings Bank Group (Sparkasse) has decided to open cryptocurrency trading services, such as Bitcoin, to private customers, breaking a long-standing ban by the institution. Meanwhile, the German Cooperative Banking System (Volks- und Raiffeisenbanken) has already begun developing related services, with plans to officially launch them this summer.The German Savings Banks and Giro Association (DSGV) announced on Monday: "The Savings Bank Financial Group will establish reliable channels for accessing regulated cryptocurrency services." In the future, self-directed customers will be able to use the cryptocurrency services provided by its subsidiary DekaBank through the Savings Bank APP. This securities service company is jointly owned by various savings banks. A DekaBank spokesperson revealed to Bloomberg that the related services are expected to be completed within a year, and customers may start cryptocurrency trading in the summer of 2026.About three years ago, an internal committee of the savings bank system recommended not to provide cryptocurrency trading services to customers. However, recent signs indicate that interest in this area is warming up. Matthias Dießl, president of the Bavarian Savings Bank Association, clearly stated in an exclusive interview with Bloomberg in April: "We savings banks should also offer our customers the option of cryptocurrency trading."