... approximately 18-19%. Riskier instruments—corporate bonds, stocks, and funds—may yield 20-30% and higher. Cryptocurrencies can bring hundreds of percent over individual periods, but these are exceptions and usually speculative in nature. Crowdlending offers investors returns of around 15-20% per annum. Risks: Inflation (9-10% in 2024) "eats" into profits. The long-term interest rate affects bond prices (as rates rise, bonds lose value). Corporate bonds and P2P loans carry the risk of non-payment....

... towards integrating the crypto market into the legal framework. In the European Union, the MiCA regulation has come into effect, introducing unified standards for crypto-assets. Approaches in Asia vary: Japan maintains strict regulations, while Hong Kong offers liberal conditions for crypto businesses. Despite progress, regulatory bodies emphasize risks and investor protection. Nevertheless, the overall trend is moving towards legalization: the industry is emerging from the "gray zone" and gaining ...

... as leasing, factoring and attracting investments – which can complement or replace a classic bank loan. Types of loans for business Each business is unique, and the financial needs of enterprises can vary greatly. Therefore, financial institutions offer different types of loans for small and medium-sized businesses – depending on the purpose of using the funds, terms and conditions of repayment. Let's consider the most common options: Credit for replenishment of working capital. This type of ...

... In 2024–2025, this utility function expands as more fintech companies integrate stablecoins into their services. Decentralized Finance (DeFi). The DeFi sector provides additional incentives for demand for stablecoins. Lending and farming platforms offer yields on deposits in USDT, attracting coin holders. For example, an investor can deposit USDT into a protocol and earn interest or use USDT as collateral for borrowing other cryptocurrencies. While yields in DeFi declined in 2022–2023 (along ...