Celsius (CEL) is an all-in-one banking and financial services platform for cryptocurrency users. Launched in June 2018, it offers rewards for depositing cryptocurrency, along with services such as loans and wallet-style payments. Users of the platform receive regular payouts and interest on their holdings. Celsius’ native token, CEL, performs a variety of internal functions, including boosting user payouts if used as the payment currency. Celsius aims to outperform banks at t

Iota is not a true blockchain even though it is part of the crypto universe. Instead of a blockchain and fees, the platform relies on a "tangle". IOTA allows users to run various Internet of Things (IoT) applications, such as smart home appliances and self-driving cars. Each new transaction needs two old transactions to confirm the prior transaction, so the "tangle" has no fees and supports exponential growth. IOTA adds a coordinator that acts as a watchtower to prevent mali

Aave is an open-source decentralised finance ("defi") lending protocol that allows users to earn interest on deposits and borrow a whole host of different cryptocurrencies. It was built on the ethereum blockchain and is completely decentralized. This makes it quite different from the other centralized lending platforms as it is not controlled by any one entity. Lending is controlled on the blockchain through the use of smart contracts. Aave was actually one of the first ether