Bybit showcased its innovative crypto solutions at Web Summit Rio 2025, emphasizing its role in integrating crypto into traditional payments. 

Daily top performer — Zebec Network (ZBCN)

The S&P 500 extended its rally with a nine-day winning streak, its longest since 2004, as optimism over potential trade deals and upcoming Fed and earnings updates lifted sentiment. Gold rose to $3,245 on trade uncertainty and Fed rate cut hopes. CoinDesk Indices, which tracks the broader crypto market, fell 1.50% in the past 24 hours, while Bitcoin and Ether dropped 0.10% and 0.51%, respectively. Trade these markets and more with up to 500x leverage on Bybit MT5 using this 

Today's top performer is ZBCN, which surged 19.5% after Zebec Network joined the Circle Alliance, aiming to make USDC the default stablecoin for real-world payments.

Zebec Network (ZBCN), founded in 2021, is a Solana-based DeFi protocol enabling real-time payroll and payments, with products like Zebec Card, Safes, and Web3 Banking, all governed by ZBC token holders. 

, with Circle Ventures being an early backer. USDC powers Zebec's products, including Zebec Cards and payroll services. With Circle holding a significant amount of ZBCN, Zebec aims to establish USDC as the default stablecoin for real-world payments.

Check out the latest prices, charts, and data of 

 its innovative crypto solutions at Web Summit Rio 2025, emphasizing its role in integrating crypto into traditional payments. The exchange launched Bybit Pay in Brazil, offering a seamless crypto-to-fiat experience with features like QR code payments, multi-currency support, and secure blockchain transactions. Bybit also highlighted its strategic partnerships, including with Tomorrowland Brasil, and introduced its rewarding Bybit Card. The event showcased Bybit’s commitment to empowering the LATAM crypto community and making crypto accessible in everyday life.

BTC spot ETFs saw $1.8B net inflows last week, driven by $1.86B into non-GBTC ETFs despite a $58.7M GBTC outflow. Since inception, total net inflows stand at $40.2B.

GiveRep is experiencing heavy traffic, causing site loading issues, but the team is actively working on 

 V1 soon. In the meantime, users can continue earning rewards as all tweets about GiveRep are still being indexed. A confirmed ATTN token airdrop will reward those who rank higher on the leaderboard, so continued engagement is encouraged.

Beginner

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Bybit showcases crypto payment solutions at Web Summit Rio 2025 with Bybit Pay launch in Brazil

Crypto portfolio diversification is the practice of spreading investments across different asset classes, industries or geographies in order to reduce risk.

In the whirlwind cryptocurrency space, the secret to keeping your profits lies not in predicting the next moonshot, but in mastering portfolio diversification: the art of turning market chaos into a calculated advantage. From blending rock-solid 

, this article reveals how strategically spreading your investments can shield your portfolio from meltdowns and position you to profit — no matter which way the crypto winds blow.

Portfolio diversification is the practice of spreading investments across different asset classes, industries or geographies in order to reduce risk.

This strategy aims to mitigate the impact of poor performance in one area by balancing it with gains or stability in others.

Portfolio diversification entails spreading investments across different asset classes in order to minimize risk. By holding a mix of stocks, bonds, real estate and commodities, you avoid putting all your eggs in one basket. When one asset class takes a hit, others may remain stable or even perform better, helping to reduce the overall risk to your portfolio.

In the crypto market, diversification works in a similar way, but with an extra layer of complexity. Cryptocurrencies 

, so diversifying within this market is essential. A well-diversified crypto portfolio often starts with well-established coins like Bitcoin (BTC) and Ethereum (ETH). These major assets are the foundation of many portfolios, due to their market dominance and liquidity. Then, in order to add growth potential (though with higher risk), investors might include mid-to-small cap coins like 

You can also diversify by sector, investing in different use cases, such as 

, AI or non-fungible tokens (NFTs). This can involve a mix of altcoins and newer tokens that are part of various blockchain ecosystems — such as 

 (DOT) — to reduce dependency on a single blockchain's performance.

For those looking to minimize volatility, diversifying into stablecoins like 

 can be a good option. These assets are pegged to traditional currencies such as the US dollar, making them more stable while still allowing you to gain exposure to the crypto market.

 (ETFs) or index funds can help simplify crypto diversification. These options give investors access to a basket of cryptocurrencies, reducing the need to manage each asset individually and providing a more hands-off approach to diversification.

Diversifying your cryptocurrency portfolio is a strategic approach to managing risk and enhancing potential returns in the volatile crypto market. By spreading investments across various digital assets, sectors and regions, investors can mitigate the impact of adverse movements in any single asset as follows.

Different types of portfolio diversification

Diversifying your crypto portfolio is essential for managing risk and capturing growth across varying market conditions. Below are some key methods to consider.

Infrastructure tokens like Ethereum (ETH) and Cardano (ADA) are vital for running blockchain networks, while 

) give holders a voice in project decisions. Meanwhile, 

), though speculative, can offer short-term gains, due to community hype and viral momentum.

Diversification is a powerful strategy to manage risk and optimize returns, but it requires careful planning and ongoing monitoring. Following are some key considerations before diversifying your crypto portfolio.

Assess your risk tolerance and investment goals

 and investment objectives. If stability is your priority, consider focusing on well-established assets like BTC, ETH and stablecoins like USDC and USDT. These assets tend to offer lower volatility and more predictable returns. However, if you're comfortable with higher risk for potentially higher rewards, you might allocate a portion of your portfolio to emerging sectors, such as DeFi tokens or gaming coins. Additionally, your time horizon matters — since short-term investors may prefer liquid, low-volatility assets (such as stablecoins), while long-term holders may opt for high-potential assets, such as NFTs or blockchain infrastructure (e.g., mining operations or tokenized real estate).

When diversifying, balance large-cap cryptocurrencies (e.g., BTC or ETH) with smaller, high-growth altcoins. Large-cap assets are generally more stable, and provide a solid foundation for your portfolio. Meanwhile, smaller-cap coins can offer higher growth potential, but they come with more risk. 

Spread your investments across different sectors, such as DeFi, 

 platforms, in order to reduce overexposure to any one area. Consider geopolitical factors and the regulatory environment, as these factors can affect markets differently in various regions, making geographical diversification important.

A balanced portfolio is key to effective diversification. For example, you could allocate 40% to Bitcoin and Ethereum, 30% to stablecoins for liquidity and risk mitigation and the remaining 30% to altcoins or alternative investments, such as blockchain startups. Another strategy is that of 

 (DCA), whereby you invest a fixed amount periodically, regardless of market fluctuations. This helps to reduce the impact of market timing and smooth out crypto market volatility.

While diversification has its advantages, over-diversifying can dilute your returns because your gains may be spread thin across many assets. Frequent trading and rebalancing can also lead to higher transaction fees that can into your profits. Additionally, managing a diverse portfolio requires time, expertise and constant attention, which might not be feasible for every investor.

To further reduce exposure to crypto volatility, think about including traditional assets, such as stocks, ETFs or blockchain infrastructure investments. These can act as a stabilizing force during crypto market downturns, offering balance to your portfolio.

Ultimately, a well-diversified portfolio can help investors navigate market volatility with more confidence. Diversifying your portfolio is a vital strategy for managing risk and optimizing returns, particularly in the volatile crypto market. By spreading investments across various asset types, market caps, sectors and investment vehicles, investors can cushion the impact of market fluctuations and potentially capture better returns. While diversification offers many benefits, it requires careful planning, constant monitoring and a balanced approach in order to avoid over-diversification and excessive trading costs.

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Portfolio diversification: The key to efficiently navigating market volatility

Ethereum R1 is a new donation-funded, tokenless Layer 2 rollup designed to offer a decentralized, censorship-resistant, and governance-minimized scaling solution for Ethereum

The S&P 500 rose 0.63% Thursday, boosted by strong Meta and Microsoft earnings, but futures slipped Friday as investors awaited the April jobs report and weighed Apple and Amazon tariff concerns. Gold fell to $3,235 as easing trade tensions cut safe-haven demand; markets await US jobs data for rate cut signals. The Coindesk Indices, which tracks the broader crypto market, rose 2.19%, with Bitcoin and Ether up 2.57% and 2.60%, respectively in the past 24 hours. Trade these markets and more with up to 500x leverage on Bybit MT5 using this 

Today's top performer is AR, which gained 16.8% following CloneX's successful migration to Arweave, sponsored by ArDrive.

Arweave (AR), founded in 2017, is a decentralized network for permanent data storage, using blockweave and Proof of Access to ensure long-term accessibility. It offers 200-year storage for a one-time fee, incentivized by AR tokens for miners. The system connects blocks efficiently to preserve and retrieve data, aiming to create a lasting digital knowledge repository. CloneX has successfully 

 to Arweave for permanent storage, with the support of ArDrive, which sponsored the migration of 100 GB of data. The process is nearly complete, with only Animus remaining to undergo decentralization.

 is a new donation-funded, tokenless Layer 2 rollup designed to offer a decentralized, censorship-resistant, and governance-minimized scaling solution for Ethereum. Built on open-source code and the Nethermind Surge stack, it emphasizes credible neutrality, public good funding (with all fees burned after 2030), and infrastructure that remains free from VC control or centralized dependencies.

Yesterday, BTC spot ETFs saw $71.1M in total inflows, with $16M from GBTC and $55.1M from other ETFs.

 $BOOP tokens to active Solana memecoin traders and creators who promote memecoins or Solana dapps on X. To claim, users must connect their Solana wallet or X account and launch a free token. The airdrop arrives in 30 days, but growing the token’s market cap can accelerate the reward.

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Ethereum R1 offers a decentralized rollup solution for Ethereum

This article dives into Bitcoin liquid staking protocol Lombard Finance, how LBTC works and how you can stake LBTC through Bybit Web3.

Bitcoin stands as the undisputed giant of the cryptocurrency space, commanding the largest market capitalization. Yet, much of its potential remains untapped, often sitting idle as a store of value rather than actively participating in the thriving 

 ecosystem. Lombard Finance aims to change this narrative by unlocking Bitcoin's utility and integrating it seamlessly into DeFi.

Lombard is built upon Babylon, the innovative Bitcoin staking protocol, and is incubated by Polychain Capital. Lombard’s flagship product, 

 (LST) for BTC. This article explores what Lombard Finance is and how LBTC works, and describes the Lombard ecosystem and how you can stake LBTC through Bybit Web3.

 is a liquid staking protocol that focuses on transforming 

's role in the digital economy. Its core mission is to evolve BTC from simply being a store of value — also viewed as 

 — into a productive asset that actively generates yield and participates within DeFi. Currently, a significant portion of Bitcoin's

 sits idle, lacking the native staking capabilities or cross-chain composability seen with assets such as 

Lombard Finance addresses this shortcoming by building on top of 

, a protocol that supports BTC staking without needing 

 or custodians. Babylon allows Bitcoin's economic weight to secure other 

 (PoS) chains and applications, creating a new yield source for holders. Lombard leverages this foundation to offer LBTC, making staked BTC liquid and usable across the DeFi market.

Lombard’s goal is ambitious: to channel Bitcoin's vast liquidity into DeFi. This could potentially double the ecosystem's 

 (TVL) if even a fraction of available BTC is introduced. Lombard believes this integration will catalyze significant growth and create more sustainable market dynamics by making BTC a core, yield-bearing primitive within DeFi.

Founders and investors of Lombard Finance

Lombard Finance was founded in April 2024 by a team with deep expertise within DeFi, drawing talent from established crypto projects like Polychain, Babylon, Argent, Coinbase and Maple. This collective experience underpins the protocol's design and strategic direction.

The project was notably incubated by Polychain Capital, a prominent crypto investment firm that also led Lombard's $16 million seed funding round (which was 

 in July 2024). This round saw participation from a wide array of significant players in the crypto space — including Babylon, dao5, Franklin Templeton, Foresight Ventures, HTX Ventures, Mirana Ventures, Mantle EcoFund, Nomad Capital, OKX Ventures and Robot Ventures — thus highlighting broad industry confidence in Lombard's vision. Strategic partnerships and contributions from exchanges like

 and Bitget are further bolstering its distribution and liquidity aggregation efforts.

LBTC is Lombard Finance's flagship product — a liquid staking token (LST) that represents Bitcoin staked through the Babylon protocol. Designed as a universal liquid BTC standard, LBTC is fully backed 1:1 by native Bitcoin, ensuring its value is directly tied to the underlying asset.

The token is yield-bearing, capturing rewards generated from securing PoS networks via Babylon staking. Crucially, LBTC remains liquid, meaning holders can freely use it across various DeFi applications — such as 

 and automated vaults — without sacrificing their underlying staked positions or associated yield.

LBTC is also designed for cross-chain compatibility, natively minted on supported blockchains like Ethereum, Base and Sui and using secure infrastructure [such as 

]. This avoids the risks associated with traditional bridging or wrapping methods, thus aiming to provide a more secure and seamless way to utilize Bitcoin across the multichain DeFi ecosystem.

Lombard Finance simplifies the process of putting Bitcoin to work within DeFi through its LBTC token. The mechanism is designed with security and user experience in mind, leveraging the Babylon protocol and a robust Security Consortium.

The core benefit of LBTC lies in its ability to unlock multiple layers of value simultaneously. Holders earn native yield from Babylon staking, potentially accrue additional rewards (such as Lombard Lux points) and gain access to diverse DeFi yield opportunities, all while maintaining the liquidity of their Bitcoin position. This transforms BTC from a static asset into a dynamic, yield-generating component of the DeFi ecosystem.

Lombard Finance is actively building a wide LBTC ecosystem that already boasts over 75 DeFi integrations. Security is foundational, anchored by the 14-member Security Consortium (including prominent names like Galaxy and OKX Ventures) and validating all critical operations alongside audits and bug bounties.

Core infrastructure relies both on Babylon for staking, and on the Chainlink CCIP for secure cross-chain movement, with EigenLayer integration 

. LBTC integrates with leading DeFi applications across lending platforms (e.g., 

) and automated vaults. The platform supports multiple blockchains (including Ethereum, Base, Sui, BNB Chain) and 

 (L2s), positioning LBTC as a versatile cross-chain asset.

Here's how you can stake BTC on Lombard and use LBTC in DeFi and automated vaults.

Lombard Finance (via its LBTC token) offers a compelling way for Bitcoin holders to put their assets into use, earn yield via Babylon staking and gain exposure to the expansive DeFi ecosystem — all while maintaining liquidity. Incubated by Polychain Capital and supported by a robust consortium and growing partner network, Lombard is positioning LBTC as a secure and versatile liquid Bitcoin standard.

It’s easy to participate in the Lombard ecosystem through 

, you can utilize your Bybit Web3 Seed Phrase Wallet to stake BTC and mint 

, Lombard's vault token that represents deposits in automated yield strategies. This provides you with a seamless gateway to access Bitcoin liquid staking and DeFi yields.

Ready to unlock your Bitcoin's potential? 

Intermediate

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Lombard Finance: Polychain-backed Bitcoin liquid staking protocol

Crypto

Are you a 12-year-old wondering if you can invest in cryptocurrency? Read on to learn about your eligibility. 

2301-T483_Explained_How_Old_Do_You_Have_To_Be_Legal_to_Buy_Crypto_3200x1800.png

Cryptocurrency has captured the attention of investors of all ages — whether it is from the recent 

. But for whatever reasons you're interested in investing in 

, you probably wonder how old you have to be to invest in crypto legally.  

Read on to figure out if you're eligible to invest in crypto. 

The age requirements for buying cryptocurrency vary from country to country. For example, the minimum age to purchase crypto in the United States is 18 years old on most crypto exchanges. However, some platforms incur a higher age restriction. 

Since most crypto exchanges require users to verify their identity before making a purchase, it is vital to comply with the platform regulations before investing. This verification process helps to prevent fraud by making sure the person who is buying or selling the cryptocurrency is who they claim to be. It is also not uncommon for exchanges to offer additional measures, such as parental controls, custodial accounts, and time limits to protect minors from accidentally buying or trading cryptocurrency.

Here's a list of the age limits for the top cryptocurrency exchange:

Can a 12-Year-Old Invest In Crypto Under Parental Consent?

A 12-year-old can invest in cryptocurrency under parental consent, but it should comply with the platform's use of services. The measures are put in place to safeguard the investment. These include:

Also, minors should only use reputable and secure exchanges when investing in crypto. Being mindful of where you trade will help protect your assets from theft, fraud, and other security threats.

A reputable financial institution or exchange will have adequate security measures. Some of these measures that help to protect user funds include two-factor authentication, cold storage, and security protocols.

Further, reputable exchanges typically provide educational resources. These materials help minors understand the risks associated with investing in crypto and get deeper insights into the technology involved. 

Who Decides the Age Limit to Invest in Crypto?

Local laws and regulations of the country or region where the investor resides determine the age limit for investing in crypto. These age restrictions protect minors from making risky investments they may not be able to afford or understand.

In most countries, purchasing cryptocurrencies is considered illegal for individuals under 18. Some countries also restrict cryptocurrency investments for those under 21 years old.

The Securities and Exchange Commission (SEC) in the U.S. has set a minimum age limit of 18 for all investors, regardless of their financial sophistication. The SEC also requires investors to provide proof of their identity and address before creating an account with a broker-dealer or an investment advisor.

Further, brokers must ensure that all investors are adequately informed about the risks associated with investing in cryptocurrencies before they are allowed to purchase them.

In Europe, different countries have different regulations regarding crypto investments. Most European jurisdictions have set a minimum age limit of 18 for investing in cryptocurrencies. Still, some countries may have even stricter requirements depending on their specific laws and regulations.

By setting an appropriate age limit and requiring investors to provide proof of identity and address, regulators hope to create a safe environment for all crypto investors regardless of their experience level or financial sophistication.

 These regulations vary based on the geographical regions or areas you live in. Please check with the local authority before investing in any cryptocurrency. 

Minors should not be investing in the cryptocurrency markets on their own. Cryptocurrency is a highly volatile and risky investment and can result in considerable losses.

But, minors interested in investing in cryptocurrency could invest with adult supervision and guidance. An adult should be present to provide advice and monitor the investments made by a child.

If a minor decides to trade Bitcoin or other assets with parental supervision, they should do so with caution and only with funds they can afford to lose.

10 Reasons to Buy Crypto for Minors As an Early Investment

Here are some reasons for why minors can consider buying crypto for investment. Keep in mind that they can also apply to almost anyone.

 Crypto is an attainable asset class that anyone with an internet connection can access. All you need to do is get connected with a broker or buy crypto directly on an exchange like Bybit. 

 Cryptocurrencies are highly liquid assets that can be bought and sold quickly and easily.

 Cryptocurrency transactions do not require a third party or middleman. This feature gives you complete control over your money.

 Cryptocurrency transaction fees are generally much lower than fees charged by traditional payment methods. If you buy crypto on a crypto exchange, you can eradicate the broker fees and transact directly. 

 Cryptocurrencies are accessible worldwide, making them ideal for international payments and remittances. As more merchants and institutions like PayPal started accepting crypto as a mode of payment, assets like Bitcoin and Ether made it a good investment for diversification than just local fiat. 

 Cryptocurrency transactions are secured through robust encryption technology. All transactions made on the blockchain are transparent and decentralized. It is comparatively more secure than traditional payment methods as altering the track record is relatively difficult. 

 All cryptocurrency transactions are publicly viewable on the blockchain, providing unprecedented transparency for users and businesses.

 Many cryptocurrencies have seen massive growth in recent years, providing investors with the potential to make significant returns on their investments if they choose wisely and time it correctly.

 Users of cryptocurrencies remain anonymous when transacting on DEXes, allowing them to maintain their privacy while still enjoying all of the benefits of digital currency technology. This feature is ideal for minors since there is no need to reveal personal information or banking details to third parties. Still, transacting on DEX is more sophisticated and requires a deeper understanding of blockchain. 

 By using cryptocurrency, investors have access to international markets which may otherwise not be available due to geographical restrictions or high costs for minors.

In addition to the above reasons, there are many more benefits to buying crypto for minors:

The advantage of buying cryptocurrency as a gift is that the receiver can potentially use it as an investment vehicle, delivering long-term benefits.

You can also provide children with a valuable education tool, teaching them about investing, technology, and money management principles.

Last, it offers minors access to a global financial system that would otherwise be inaccessible due to age limits.

Cryptocurrency transactions are suitable for use as college funds as they are often much cheaper than traditional payment methods.

Payments are secure and trustless, meaning there is no risk of fraud or chargebacks. You can send payments anywhere in the world in minutes, making them ideal for international students or those studying abroad.

Cryptocurrencies are highly divisible and can be used to pay for small tuition or other college expenses without incurring high-interest fees associated with traditional payment methods.

You can securely hold college funds stored in cryptocurrency over time, allowing students to benefit from the potential appreciation of the asset. This strategy safeguards against any possible currency devaluations during their college years.

Purchasing cryptocurrency as an allowance or reward for a minor can be a great way to teach them about the financial system and the importance of saving and investing. This introduction of financial education will help them develop better saving and spending habits in the future.

Introducing a minor to cryptocurrency, you are helping them become familiar with this new asset class and be exposed to digital money. This information could benefit them to get a better foundation for investment and prepare them for more significant investments when they're legally compliant with the rules and regulations. 

Cryptocurrency is easy to purchase and store, making it an ideal investment option for minors who may not yet have access to traditional banking services or stock markets.

As cryptocurrencies appreciate over time, holding onto these assets can also help minors build long-term wealth.

Explained: How Old Do You Have To Be To Buy Crypto Legally?

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