... investors to assess cryptocurrencies with potential and understand current trends in the crypto space. 1. Alpaca Finance (ALPACA) Application Area: Alpaca Finance is a DeFi project on the BNB Chain (the Binance Smart Chain ecosystem), specializing in lending and yield farming. The platform allows users to borrow and lend cryptocurrency, obtaining higher returns through borrowed funds, positioning itself as one of the leading lending protocols on its blockchain network. Current Price and Capitalization: ...

... enterprise that is already profitable and in need of expansion. This allows for earning income in a short time. If investing in a new personal business, it is wise to start with promising sectors after conducting thorough market research. Peer-to-Peer Lending. This avenue is gaining popularity and can significantly multiply capital, enabling daily income. It involves forming a lending fund where clients use the investor's money, resulting in profits based on the established interest rates. However,...

... unlikely that one can amass a fortune this way, especially when placing deposits in the national currency. However, this tool is perfectly suited for novices who prefer not to navigate other investment avenues while possessing some liquid assets. Banks lend clients' money at a predetermined interest rate. This rate can vary depending on the term of the deposit, the financial institution itself, and its policies. The Central Bank annually sets a maximum interest rate that is not subject to taxation. ...

... the immediacy of transactions. 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 ...

... ability to provide high returns for shareholders. Net interest income: RUB 20.8 billion, an increase of 18.6% compared to the previous year. BCS Express Significance and impact: Net interest income is the difference between interest income (e.g. from lending) and interest expenses (e.g. from deposits). The growth of this indicator indicates an increase in the efficiency of the bank's core business and the ability to attract and place funds profitably. Net fee and commission income: RUB 13 billion,...