Crypto lending is reshaping finance: top platforms like Aave, Compound, and Maker let you earn yield on crypto collateral. But beware smart‑contract bugs, liquidation risk, and platform solvency. Opportunities lie in cross‑chain liquidity, fractionalized assets, and new risk‑adjusted protocols that reward liquidity providers more than ever.
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Crypto taxes are a global puzzle. In the US, crypto is property—each sale triggers capital gains. Europe uses FATCA‑like reporting under DAC7. China treats it as a commodity, no tax on gains but heavy penalties for unreported trades. If you trade across borders, you may owe in multiple jurisdictions. Keep meticulous records, use crypto‑tax software, and consider professional advice to stay compliant.
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Scalability is the heart of blockchain growth. Layer‑1 tweaks like larger blocks or sharding push throughput but can dilute decentralization. Layer‑2 rollups (optimistic, zk) bundle many transactions off‑chain, reclaiming speed at minimal on‑chain cost, yet create a trust‑or‑complexity trade‑off. Sidechains and state‑channels offer instant swaps but risk custody and security. Choosing the right mix means balancing speed, safety, and user simplicity.
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