Inflation quietly taxes your cash while banks pay near-zero. This guide shows a responsible DeFi approach to help offset that drag: start small on audited protocols, diversify, track weekly, and subtract fees to see real yield. Learn the 6-month “offset plan,” the three pillars (Education • Verification • Automation), and the risks to watch before you deposit.

Take back control of your money with DeFi. We break down the benefits, trade‑offs, and smart security practices to keep your crypto safe and your freedom intact.

Stream Finance has paused deposits and withdrawals after an external fund manager disclosed a roughly $93 million loss in fund assets, according to the protocol’s announcement on X. The team said it has engaged Perkins Coie attorneys Keith Miller and Joseph Cutler to investigate and is withdrawing all liquid assets while providing periodic updates.

On Nov. 3, 2025, decentralized exchange Balancer—long considered one of DeFi’s more conservative, infrastructure-grade protocols—suffered a multi-chain exploit that drained an estimated $128 million from pools spanning Ethereum, Berachain, Arbitrum, Base, Optimism, Polygon, and Sonic.

Decentralized exchange dYdX published a post-mortem on an Oct. 10 outage that halted the dYdX Chain for roughly eight hours during the largest crypto liquidation event in history. The team attributed the halt to a misordered code process and prolonged validator delays restarting oracle sidecar services, which led to stale oracle data and incorrect trade/liquidation prices once operations resumed.

Evernorth Holdings, a Ripple-linked digital asset firm, plans to go public via a $1 billion SPAC merger with Armada Acquisition Corp. II, aiming to build one of the world’s largest XRP treasuries through open-market purchases. The deal includes a $200 million commitment from Japan’s SBI Holdings, with additional backing expected from Ripple, Pantera Capital, Kraken, and GSR.

Solana has overtaken Ethereum in daily decentralized exchange (DEX) trading volume, signaling a notable liquidity rotation in DeFi. Data shows Solana posted $5.84 billion in 24-hour DEX volume versus Ethereum’s $5.75 billion, with nearly $137 billion processed over the last 30 days. This jump underscores Solana’s rising market share in on-chain trading as its high-throughput infrastructure attracts high-frequency traders and automated market makers.

Pi Network has launched a testnet decentralized exchange (DEX) with an automated market maker (AMM) to strengthen its DeFi ecosystem and expand real utility for Pi Coin. The initiative focuses on utility-driven tokens, developer experimentation, and financial literacy, allowing the community to practice non-custodial trading and liquidity provision in a low‑risk environment before mainnet scale-up.

VisionSys AI stock plunged as much as 57% after the company unveiled plans to build a Solana (SOL) treasury of up to $2 billion, initially targeting $500 million in SOL purchases and staking within six months via a partnership with Solana DeFi protocol Marinade Finance. Shares rebounded modestly intraday but remained sharply lower as investors weighed balance-sheet risk and execution questions around funding such a large crypto position.

PayPal’s stablecoin PYUSD (PayPal USD) is undergoing a major upgrade that could reshape its role in the crypto economy. Through its integration with LayerZero’s Stargate Hydra, PYUSD will now function as a true cross-chain stablecoin by expanding to nine additional blockchains, including Avalanche (AVAX), Aptos (APT), Sei (SEI), and Tron (TRX).

Japan’s third-largest credit card company, Credit Saison, has announced the launch of a $50 million blockchain venture fund aimed at supporting early-stage startups in the U.S. and helping them expand into Asia. The fund, named Onigiri Capital, has already raised $35 million and will focus on innovative projects in stablecoins, tokenization platforms, decentralized finance (DeFi), and digital payment infrastructure.

CrediX, a decentralized finance (DeFi) protocol, recently recovered $4.5 million in stolen cryptocurrency after reaching a private settlement with the hacker responsible for the exploit. The breach occurred when attackers gained unauthorized access to CrediX’s multisig admin and bridge wallets, allowing them to mint collateral tokens, borrow against the protocol, and drain its liquidity.

PancakeSwap, a leading decentralized exchange on the BNB Chain, has launched tokenized stock futures for major U.S. tech companies—Apple, Tesla, and Amazon—allowing users to trade synthetic versions of these stocks directly on the blockchain. This new feature, live since August 5, 2025, enables crypto users to open leveraged long or short positions with up to 25x leverage, all through a self-custodied wallet.

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In the simplest terms, decentralized finance (DeFi) is the umbrella term for financial applications that operate on a decentralized network. This could be something as simple as decentralized lending or borrowing, but can also include more complex products and services like decentralized exchanges, derivatives, and insurance products (Blockzeit, 2022).