How Does Crypto Lending Work? Understand It All at Once, from Deposit Interest to Liquidation Risk

In the world of DeFi, some people earn interest by depositing crypto assets, while others borrow different tokens by using assets as collateral. The mechanism may seem simple, but it is worth understanding how interest rates are determined, how collateral ratios change, and under what circumstances liquidation can occur.

First, where does deposit interest come from?

After users deposit assets into a lending protocol, other users can borrow funds according to the protocol’s rules and pay intere

[November 12, 2026 BTC/ETH Trend Analysis and Trade Plan]

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I. Market Snapshot (Beijing Time 17:22)
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BTC: approximately 73,600 USDT (24h range 73,184 – 74,750, 7-day change -8%)
ETH: approximately 2,050 USDT (24h range 2,036 – 2,104, 7-day change -15%)
Fear & Greed Index: 27 (Fear)
BTC options max pain: 74,000 (expires today)

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II. Trend Analysis
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【BTC】
- Bearish on the daily timeframe: price is below the SMA20 (approximately 77,827) and SMA50 (approximately 81,205), with RSI14 at just 35, in weak territory,

Use 3924 as a reference point for buying the dip. If price rises above 3966 and pulls back to 3924 without making a new low, that basically confirms a bottom. The next steps will be clearer: if it breaks 4150, add on the pullback; then, if it moves higher and breaks 4230, add on the pullback. There should be at least several hundred points to gain from this level. If it breaks 3966 and the pullback holds above 3924, then 3924 is the stop-loss level—an extremely tight stop-loss and a highly efficient trade$XAUUSD

$AGT $AGT continued its 100% win rate today—congratulations to the savvy investors who followed my signals and traded with me.👇👇

AI × Web3: From Personal Use to Real-World Value, True Growth Comes from Participation

Technology’s value should not stop at concepts and demonstrations. For AI and Web3, a more important question is: How can ordinary users start by using tools, gradually build their capabilities, participate in the ecosystem, and ultimately create real value?

The first step is to make technology truly serve personal needs. AI can help users organize materials, understand complex information, analyze public data, and improve work efficiency. Web3 offers different ways to explore open protocols, digital ident

$XAUUSD
The second trade shared publicly in today's livestream 📶 was also our first trade this evening
Long at 3926
Stop-loss at 3913.74
It's already nearly 190 points in profit, that is, 19 points
If you’re happy to watch, I’m happy to share
If you’re not happy to watch, I’m still happy to share
After all, I’m testing my own trading system, not putting on a monkey show for anyone’s amusement. ‌

In BTC Trading, How Do You Set a Reasonable Risk-Reward Ratio? Win Rate Isn’t Everything!

In BTC trading, many people pay special attention to win rate, believing that as long as they make the right call often enough, they can keep making money. In reality, however, win rate is not the only factor that determines trading results. A trading system with a low win rate but a reasonable risk-reward ratio may still maintain positive expectancy over the long term.

So, what is the risk-reward ratio?

First, understand the concept. The risk-reward ratio is the ratio between potential profit and pote

$BTC Even in a weak market, it can still hit the target accurately; Kong proved it again today!
#美国就业数据今晚公布 #美国10月PPI即将出炉

AI agents are changing the way we work: the competition of the future will be about workflows

In the past, we used software to get work done by finding information, analyzing data, developing plans, and then opening tools one by one to carry out tasks. AI has changed some of these steps, and the further development of AI agents is prompting us to rethink: Could future work shift from people manually handling every step to people setting goals and agents helping complete the workflow?

There are three changes worth noting.

First, moving from standalone tools to complete workflows. Traditional

The days of evading taxes through offshore trusts are over. This time, they paid 160 billion in taxes. This was also why Hong Kong stocks plunged a while back—everyone was cashing out to pay their taxes.

This included:
Ding Lei (NetEase): about 37 billion
Huang Zheng (Pinduoduo): about 29 billion
Lei Jun (Xiaomi): about 20.7 billion
Zhong Huijuan (Hansoh Pharma): about 15.8 billion
The Zhang Bo family (China Hongqiao): about 15.4 billion
Wang Ning (Pop Mart): about 10.2 billion
Yang Shaopeng (SITC International): about 6.9 billion
Ding Shizhong (Anta): about 5.2 billion

I heard that having H

# Why Won’t Future Digital Identity Require Repeatedly Submitting Personal Information?

In the digital economy, we prove who we are every day.

Registering for a platform requires filling in personal details, applying for financial services requires submitting identity information, age verification may require uploading an ID, and accessing different systems may require repeating identity checks.

The problem is that often we only need to prove one specific thing, yet we have to provide far more information than is actually needed.

For example, a website may only need to confirm that you are

AI × Web3: From Personal Use to Real-World Value, True Growth Comes from Participation

Technology’s value should not be limited to concepts and demos. For AI and Web3, the more important question is: How can ordinary users start by using tools, gradually build their capabilities, participate in the ecosystem, and ultimately create real value?

The first step is to make technology genuinely serve personal needs. AI can help users organize materials, understand complex information, analyze public data, and improve work efficiency. Web3 offers different ways to explore open protocols, digital id

A distribution hitting your wallet doesn't prove the underlying asset generated income.
Rent collected, reserve funds and returned capital can all result in a payment.
The transfer is visible. The source still needs verification.
#RWA #InvestmentRisk

$DGAI ‌
The market structure on the 1-hour timeframe has recently shifted from a localized downtrend to a consolidation phase. After the sharp drop from the 0.75 high down to the 0.692 low, price has established a higher low structure, breaking the immediate lower-high sequence. We are currently seeing a structural shift where the price is attempting to stabilize above the mid-band (MB) of the Bollinger Bands (0.729), indicating a potential shift from bearish momentum to a neutral-to-bullish consolidation.

Gartley Pattern Point of View
Looking through the lens of a Gartley harmonic pattern,

$NVDA They just caught Jensen Huang having a second affair with a female employee.
Michael Burry knew all this, which is why he was bearish.
Now it all makes sense: we were looking in the wrong place; capex didn’t matter.

Yesterday, $ZEC 's stop loss at 965 was hit, but thankfully it can be earned back.
[Position Details]:
$BTC The BTC and ETH shorting strategy I opened yesterday is the same as in my previous post, so I won't go into more detail. Early this morning, BTC surged again to 74771.4, then dropped rapidly. I judged that the technical pullback had ended, and it rose gradually again to 74529.7. The bearish candle at the previous high looked great, with ample volume. Market depth showed a bearish trend forming over the past 5 minutes, and a bearish trend forming on the shorter timeframe, so I chose to f

Feeling a bit sleepy today, sending a small red envelope

#红包 $ZEC ‌

DEX vs. CEX: The biggest difference isn't just how you trade—who actually controls your assets?

In the cryptocurrency market, DEXs (decentralized exchanges) and CEXs (centralized exchanges) are often compared. Many people focus on fees, trading speed, and the number of tokens available, but overlook a more important question: Who controls the assets, and who bears the risk if something goes wrong?

First, asset management differs. When using a CEX, users typically deposit their assets into a platform account, and the platform manages the underlying assets and account balances. When using a DE