DEV Community: ritaspolding

How Crypto Solves Neobank Monetisation

ritaspolding — Thu, 30 Apr 2026 14:27:31 +0000

Neobanks, digital-only banks offering payments, FX, lending, and financial management through a single app, have become one of the fastest-growing segments of global finance. Clean interfaces, instant onboarding, and fee transparency have reshaped customer expectations of what a bank should look like.

Behind the user growth charts, the sector faces a persistent problem: most neobanks still don’t make money on the customers they acquire. Understanding why monetisation remains so difficult and how blockchain technology is beginning to reshape the equation is central to the next phase of digital banking.

Why Neobanks Face a Monetisation Problem

Despite rapid adoption, digital banks are generally less profitable than traditional banks, and profitability dispersion is wide. The main reasons behind the monetisation problem include:

Regulated Interchange

In Europe, card interchange is tightly capped at 0.2% for debit and 0.3% for credit. As a result, neobanks earn much less from everyday card spending than similar players in the US. On its own, that revenue is usually not enough to support a sustainable digital bank.

The Free Account Barrier

Early neobanks built their brand on free current accounts and cheap or zero-fee currency exchange (FX). That helped attract users, but it also made it hard to charge later. Once customers get used to core services being free, adding fees can push them to competitors.

Low Primary-Account Usage

Many neobank customers receive their salary into a traditional bank account and use the neobank mainly for travel, currency exchange, or extra spending. That leaves the neobank with smaller deposit balances and weaker interest income.

Interest Rate Dependence

Many neobanks have recently benefited from higher interest rates, which made customer deposits more profitable. But when rates come down, that revenue becomes harder to maintain.

Compliance and Capital

Neobanks face rising compliance costs, evolving regulatory regimes, and capital requirements for lending. These operating costs grow faster than the revenue a free current account can generate.
How Blockchain Creates New Revenue for Neobanks
Blockchain is a data storage technology that organises information in blocks linked together in an immutable, secure, and transparent chain. The integration of blockchain into neobanks offers several advantages that directly address the monetisation gap.

Cross-Border Payments

Traditional international transfers often pass through several intermediaries and can take days to settle. Stablecoin transfers can move much faster and at a lower cost. That gives neobanks a cheaper way to support remittances and international payments.

Lower Operating Costs

Smart contracts can automate processes such as payouts, escrow, and parts of lending. That can reduce manual work and lower operating costs.

Digital Asset Trading

Spot and derivatives trading inside a banking app can generate fee and spread revenue outside interchange caps and interest rate cycles. It also adds a high-engagement product that traditional current accounts don’t provide.

Staking and On-Chain Yield

Staking lets users earn rewards for supporting networks such as ETH, SOL, or DOT. For neobanks, it creates a yield product that does not depend on central bank rates, while the bank earns a share of the rewards as a fee.

Tokenised Assets

Blockchain makes it easier to offer fractional access to assets such as real estate, funds, and commodities. Neobanks can earn from distributing and safeguarding these products, while offering customers access to investments that were once less accessible.

Case Study: What Crypto Has Already Solved for Revolut

Revolut is one of the clearest examples of a neobank turning crypto into a meaningful source of revenue. The company reported record profitability in 2023 and 2024, while its wealth business, which includes crypto, became a much larger contributor to revenue.
Card revenue limits. In Europe, card interchange is tightly capped, which limits how much neobanks can earn from everyday payments. Crypto trading sits outside those limits and gives Revolut another source of revenue.
More ways to earn. Crypto gave Revolut more revenue beyond card payments and interest income. FX can be more stable, while trading and staking can bring in higher-margin revenue.
A bigger wealth business. In 2024, Revolut’s wealth business, which includes crypto, became a much more important part of the company. Wealth revenue rose 298% year over year, from about $158 million to $647 million.
Product edge. Crypto trading and staking also helped Revolut offer products that many traditional banks could not launch quickly because of licensing, custody, and technology hurdles.

Challenges to Integration

Regulation remains the most visible constraint in crypto integration. In the European Union, the Markets in Crypto-Assets Regulation (MiCA) provides a clear framework for stablecoin issuance and crypto-asset services. In the UK, the FCA has established registration requirements for crypto firms, with broader rules in development. In the US, the regulatory landscape remains fragmented across state and federal levels.
Neobanks also need custody, liquidity, and compliance infrastructure that is expensive to build from scratch. Many, therefore, partner with licensed crypto infrastructure providers that deliver trading, staking, listings, and settlement through APIs, allowing the neobank to focus on distribution and customer relationships.

Conclusion

Neobanks scaled quickly, but monetisation remained the harder challenge. Blockchain gives neobanks revenue lines that don't depend on interchange caps or interest rate cycles: from stablecoin payments and trading fees to staking yield and tokenised assets. For digital banks looking to turn user growth into durable economics, crypto integration is becoming a core part of the business model.

Explore Crypto Solutions for Your Business

Crypto can open new revenue, payment, and settlement opportunities for neobanks and fintech platforms. Tothemoon helps businesses work with digital assets through institutional solutions for fiat ↔ crypto conversion, OTC, crypto processing, mass payouts, staking, and API integration.

What is OpenGradient?

ritaspolding — Thu, 30 Apr 2026 14:07:07 +0000

OpenGradient is a decentralized AI infrastructure network designed to make AI execution verifiable and transparent for Web3 applications. Its architecture separates AI workloads from standard blockchain execution: inference nodes run models, full nodes verify proofs and maintain the ledger, and the network records verifiable outputs through its proof-settlement process.

The platform is built around several products that sit on top of this network. The OpenGradient Network provides the core verifiable AI infrastructure. The Model Hub hosts around 2,000 AI models that builders can use directly.
The On-Chain AI SDK lets developers plug AI agents and workflows into blockchain applications. MemSync acts as a shared memory layer that gives AI experiences continuity across different apps.
Digital Twins offers AI versions of public figures for interactive use cases, and BitQuant brings AI-driven quantitative analysis into the ecosystem. The network reports more than 2 million verifiable AI inferences processed and over 500,000 cryptographic proofs and hardware attestations generated to date. OpenGradient positions itself as foundational infrastructure for trustworthy AI in Web3 rather than as a single consumer application.

What is $OPG?

$OPG is the native token of the OpenGradient network and is described by the project as the asset powering verifiable AI inference, governance, and ecosystem growth. Its role is tied to coordinating the participants who keep the network running, supporting governance over how the network evolves, and underpinning the staking rewards layer that secures the validators responsible for verifying AI computation. $OPG is issued as an ERC-20 token and is deployed on Base and BNB Smart Chain, keeping it accessible across two of the most active EVM ecosystems for builders, AI agents, and end users.

OpenGradient Tokenomics

Circulating Supply: 190,000,000
Total Supply: 1,000,000,000
Max Supply: 1,000,000,000

Trade $OPG Now

You can now trade OPG/USDC and OPG/USDT on Tothemoon.

Inside the Economics of Crypto Affiliate Programs

ritaspolding — Mon, 27 Apr 2026 19:19:32 +0000

If you've spent any time on the internet, you've probably promoted something through an affiliate link. A SaaS tool. A discount code in a YouTube description. A coupon for a clothing brand. The numbers usually look familiar: a few percent commission, paid once, with a 30 or 60-day cookie window.

Then you look at crypto, and something feels off. Programs advertising 50%, 60%, even 70% commissions. Lifetime payouts instead of one-time bounties. Daily payments rather than monthly invoicing. From the outside, it can look like the industry is overpaying its partners. Once you understand how the model is actually structured, the numbers stop looking strange and start looking deliberate.
Here is what is happening under the hood, and why it should change the way creators and marketers think about these programs.

Where the High Commissions Come From

The first piece is understanding the revenue source. Most crypto exchanges earn money from trading fees. A user pays roughly 0.1% on every trade, and active users trade often. Those small fees compound into meaningful revenue over months and years.
When you refer a user, you are sending the platform a customer who could generate fees for a long time. Paying you 50% of those fees still leaves the platform profitable, because that user would never have arrived without you. Affiliate spend works as a flexible alternative to paid advertising, with cleaner attribution. You only get paid when the user actually trades, so there is no spend wasted on empty signups.
That structure is what keeps high commission rates sustainable. The money comes out of recurring revenue rather than a fixed acquisition budget.

Lifetime Commissions Change How Partners Behave

Most affiliate programs in other industries use one-time bounties. You bring in a user, you receive a fixed amount, and the relationship ends. Crypto programs more often use lifetime commissions, where you keep earning a percentage of every trade your referrals make for as long as they stay on the platform.
This shifts how serious partners operate. Instead of chasing fast signups, the smart ones focus on quality. A trader who stays on the platform for three years is worth more than fifty casual users who deposit once and disappear. Educators, analysts, and long-form content creators tend to outperform pure traffic-driven affiliates over time because the audiences they build actually trade, and depth tends to win out over raw volume.

Tracking, Attribution, and the Cookie Problem

The technical layer is where most programs quietly differ. Traditional cookie-based affiliate tracking has gotten harder over the past few years. Privacy changes in browsers and mobile systems have shortened cookie lifetimes, blocked third-party trackers, and broken attribution chains.
Most crypto programs work around this with permanent referral codes tied to user accounts. Once a user signs up under your code, the link is recorded server-side and stays linked for the lifetime of that account, which removes most of the fragility that cookie-based tracking introduces. When fee data and trading volumes are also published openly, the relationship between affiliate and platform becomes more predictable than the typical ad network deal.

The Underrated Bottleneck: Actually Getting Paid

Here is the part nobody talks about until they hit it. Running a high-volume affiliate program is one challenge. Actually paying thousands of partners across dozens of countries, in different currencies, on a regular schedule, is a separate one. The infrastructure required to do this reliably looks closer to fintech engineering than marketing.
A platform paying affiliates monthly through manual bank transfers will eventually break under its own weight. Daily payouts in crypto solve a real operational problem. They use blockchain rails for settlement, which removes most of the cross-border friction and lets partners receive funds without waiting on bank business days or paying wire fees. For a creator running affiliate income as a serious revenue stream, that schedule difference compounds into real cash flow predictability.
This is where the institutional side of these platforms quietly does the heavy lifting. The affiliate-facing experience looks simple: a dashboard, some referral links, a payout schedule. Underneath, there is usually a full payment system handling balance updates, conversion, and bulk disbursements at scale.

Where the Infrastructure Comes From

Tothemoon is one platform that built its affiliate program directly on top of its in-house institutional infrastructure. The same mass payout system that handles bulk crypto disbursements for businesses also processes daily payments to its affiliate partners. That setup is the reason the program can support a 70% lifetime commission with no minimum threshold and a daily payment cycle, instead of the more common monthly batch model.
The same payment rails serve other use cases, including iGaming operators, payroll providers, and trading firms with distributed teams. When you see an affiliate program with unusually clean payout terms, there is usually an institutional-grade product running underneath.

What This Means for You

The next time you evaluate an affiliate program, the headline commission percentage is probably the least interesting number on the page. The more useful questions are how the program is funded, how attribution is actually tracked, and how reliably partners receive their money over time. Crypto programs got ahead on all three, mostly because the underlying infrastructure made it possible.
For creators and marketers willing to look past surface metrics, that combination has quietly turned crypto into one of the cleanest referral economies on the internet.

Cryptocurrency #Affiliate Marketing #Blockchain #Fintech #Creator Economy

What Are On-Ramp and Off-Ramp in Crypto?

ritaspolding — Thu, 23 Apr 2026 20:23:52 +0000

Crypto adoption is usually explained through tokens, wallets, trading, and blockchain networks. For most businesses, the real starting point is much simpler: how money enters the crypto system and how it leaves. That is where on-ramp and off-ramp infrastructure comes in.

A crypto on-ramp is the mechanism that converts fiat money, such as euros or dollars, into digital assets. A crypto off-ramp does the reverse, converting digital assets back into fiat and sending funds to a bank account or card. In practice, these two functions form the bridge between traditional finance and blockchain-based assets.

What Does a Crypto On-Ramp Do

An on-ramp allows a user or a business to move from fiat into crypto in a compliant and operationally usable way. That usually includes identity checks, payment processing, pricing, liquidity access, and delivery of digital assets to a wallet or account. Tothemoon positions its on-ramp as a way to securely buy crypto with fiat and connect traditional finance with digital assets in one seamless flow.
For an individual, this can be as simple as buying BTC or USDT with a bank card. For a business, the process is usually more structured. A fintech platform may need to fund treasury balances in stablecoins. An exchange may need fiat conversion for deposits and withdrawals. A marketplace may want to accept fiat from buyers while settling part of its flows in crypto. These are all versions of the same core function: moving value from bank rails into blockchain rails. Tothemoon lists use cases across e-commerce, marketplaces, exchanges, fintech platforms, and iGaming.

What Does a Crypto Off-Ramp Do

An off-ramp is the exit point from crypto back into fiat. This part is often underestimated. Many teams focus on how to accept or acquire crypto, then realize later that treasury, accounting, and payout processes still depend on bank accounts, card networks, or local currency settlements.
An off-ramp makes crypto usable in the real economy. A business can receive funds in USDT, convert them into EUR or USD, and withdraw them to a bank account or card. Tothemoon describes its off-ramp as a crypto-to-fiat conversion with instant payouts to cards and bank accounts.
This is critical for businesses that pay vendors, salaries, creators, affiliates, or regional partners in fiat. It is equally important for firms that want exposure to digital assets during one stage of the payment flow, then want to reduce balance-sheet volatility by moving back into traditional currency.

Why On-Ramp and Off-Ramp Infrastructure Is Important

On-ramp and off-ramp services are not just payment tools. They are operational infrastructure. They determine how quickly funds move, how easy it is to convert between asset types, how much friction exists in reconciliation, and how scalable a crypto-enabled product can become.
For institutions, the value is broader than simple conversion. Tothemoon’s institutional pages position on/off-ramp within a wider stack that includes liquidity, API integration, audit trails, security, and adjacent products such as OTC, mass payouts, and crypto processing. The institutional site also presents On-Ramp & Off-Ramp as one of its core business solutions.
That broader view is the right one. A ramp solution becomes much more useful when it connects to the rest of the financial workflow. A company may need to receive fiat, convert into stablecoins, move funds across borders, settle with partners, and later off-ramp part of the balance back into local currency. Separate providers can handle each step, though that usually creates more operational drag. Integrated infrastructure reduces handoffs and gives finance teams clearer control over the full movement of funds.

Where Businesses Use On-Ramp and Off-Ramp

The use cases are expanding quickly. E-commerce companies can combine fiat-to-crypto payments with automated wallet routing. Marketplaces can support buyer payments and seller payouts through managed wallet infrastructure. Exchanges can add fiat conversion for deposits and withdrawals. Fintech platforms can embed crypto rails directly into their products. Tothemoon highlights these industry applications directly on its on/off-ramp page.
The common thread is simple: businesses want flexible ways to move between fiat and digital assets without stitching together an entire stack from scratch.

Conclusion

The on-ramp and off-ramp are the connective layer between the old financial system and the new one. It is what turns crypto from a standalone asset class into something businesses can actually use inside real payment, treasury, and payout flows.
For companies exploring this space, it helps to look at ramp infrastructure as part of a broader institutional setup rather than a one-off conversion feature. You can explore the full business stack on Tothemoon Institutionals and the dedicated On-Ramp & Off-Ramp solution.

How Crypto Exchange Integration Works for Fintechs and Banks

ritaspolding — Wed, 22 Apr 2026 13:05:29 +0000

Adding crypto to a fintech product has become a standard infrastructure project in financial services. Neobanks, payment processors, iGaming operators, and banks are looking for ways to let their users buy, sell, hold, or receive digital assets without building a full exchange. The usual answer is integrating with an existing crypto infrastructure provider through APIs.

The engineering itself is usually well understood. What slows projects down is everything around the code: liquidity sourcing, compliance alignment, payout reconciliation, and treasury design. This article explains what a crypto exchange integration actually involves and what fintechs should look for when choosing an institutional crypto partner.

What Crypto Exchange Integration Involves

A crypto exchange integration connects a fintech product to a trading and custody platform so that users can interact with digital assets through the fintech's own interface. The user stays inside the brand they already know, while the underlying exchange handles execution, custody, and often regulatory coverage.
A typical integration covers some combination of the following:
Buying and selling cryptocurrencies for fiat.
Holding balances in crypto or stablecoins.
Sending crypto to external wallets and receiving payouts at scale.
Accessing spot or perpetual futures markets for traders.
Each action touches fiat rails, custody, order execution, compliance checks, and accounting at once. The integration connects them in a way that looks like a single product to the end user.

Main Components of a Crypto Integration

A crypto integration is best understood as a stack of layers, each with its own requirements.
Fiat rails. SEPA, SWIFT, card acquiring, or open banking, depending on the region.
Custody. Defines who holds the crypto at each point in time. Most products rely on the exchange's custodial wallets for active balances.
Liquidity and execution. Orders are filled on an internal order book, through an OTC desk, or through a hybrid of both.
Compliance and KYC. In most setups, the crypto partner is the licensed entity responsible for the trade, while the fintech handles user onboarding.
Settlement and reporting. Confirmations, balance updates, and reconciliation feeds that flow into accounting and audit.

Choosing a Liquidity Model

Liquidity is often treated as a technical detail, but it is mainly a product decision. Order-book execution works well for retail ticket sizes and liquid pairs, where transparent pricing and tight spreads matter most. An OTC desk is more suitable for larger transactions, where slippage on a lit book would move the market against the user.
Most mature products end up using both, with smaller orders routed to the book and larger ones routed to OTC above a defined threshold. Deciding this at the start avoids expensive reintegration later and is one of the first questions worth raising when evaluating an institutional execution stack.

Handling Mass Payouts

Products that pay users in crypto, such as affiliate platforms, gaming operators, or payroll services, need mass payout infrastructure rather than simple send endpoints. In a mass payout, thousands of transactions may be submitted in a short window, and each one has to be trackable, compliant, and recoverable if something fails.
Well-designed mass payout systems usually include batched submission with deterministic ordering, idempotency keys on every request, per-recipient screening at submission time, and reconciliation feeds that match each on-chain transaction to the original payout record.
For fintechs paying users in stablecoins, these features are not optional. They directly affect audit readiness and usually benefit most from a provider with a productized mass payout API.

Compliance and Regulatory Fit

The compliance layer is easier to navigate when roles are defined clearly at the start. In most models, the crypto partner is the regulated counterparty for trade execution and custody, while the fintech remains responsible for its own user onboarding, KYC, and product-level obligations. In the European Union, this usually involves MiCA-licensed entities or firms operating under equivalent frameworks.
Sharing licensing documents and policy summaries during the first evaluation calls removes most of the ambiguity that slows legal review later, and helps the fintech's own regulators see a clear allocation of responsibility between the customer-facing brand and the crypto infrastructure provider behind it.

What "48-Hour Go-Live" Means

Infrastructure providers often describe their integrations as going live in 48 hours. In practice, this refers to the time from sandbox credentials to a production connection for a narrow, well-scoped flow, once the surrounding operational work is done.
A 48-hour go-live is realistic when the scope is a single defined flow, the partner offers ready sandbox access, and the fintech's compliance team has cleared the partner's entity structure. It is not realistic when the project includes custom fiat rails, bespoke liquidity arrangements, or new regulated product layers.

Conclusion

Crypto exchange integration is less about the API and more about the decisions around it. Mapping flows before code, choosing a liquidity model that matches the user base, running compliance in parallel with engineering, and treating reconciliation as the real go-live gate tend to be what separates projects that ship in days from those that ship in quarters. Comparing providers on specific operational questions, rather than headline features, is usually the most practical way to shape a realistic timeline.

What is Safe?

ritaspolding — Tue, 21 Apr 2026 15:14:49 +0000

What is Safe?

Safe is a smart account infrastructure platform for programmable self-custody, originally known as Gnosis Safe. It is best known for Safe{Wallet}, which enables assets and transactions to be managed through smart contract accounts with configurable multi-signature approvals instead of relying on a single private key. Safe also offers Safe{Core}, a developer stack of SDKs, APIs, and contract infrastructure used by wallets, DAOs, exchanges, and other applications building smart account functionality.

The platform is widely used for on-chain treasury management, organizational transactions, and secure self-custody across the EVM ecosystem.

What is $SAFE?

$SAFE is the native governance token of SafeDAO, the community organisation responsible for steering the Safe ecosystem. Its utility is tied to governance participation, allowing holders to vote on proposals covering treasury allocation, ecosystem grants, protocol direction, incentive programs, and the ongoing development of Safe{Core} and related smart account infrastructure.

The token is designed to coordinate long-term stewardship of the Safe account stack across the communities that depend on it, including DAOs, institutional treasuries, and developer teams building on the Safe SDKs. $SAFE is issued as an ERC-20 token and is deployed on the Ethereum mainnet and Gnosis Chain, with Ethereum used for most governance settlement and treasury operations. This multi-chain deployment reflects Safe's positioning as neutral infrastructure across the broader EVM ecosystem.

Safe Tokenomics

Circulating Supply: 727,407,578
Total Supply: 1,000,000,000
Max Supply: 1,000,000,000

Trade $SAFE Now

You can now trade SAFE/USDT and SAFE/USDC on Tothemoon.

Why Some Affiliate Programs Scale Creators and Others Exploit Them

ritaspolding — Mon, 20 Apr 2026 07:28:38 +0000

Most crypto affiliate programs claim to be “creator-friendly,” while in practice, they fall into two groups. Some programs genuinely help creators build a durable revenue stream by aligning incentives, providing reliable infrastructure, and rewarding long-term user activity. Others extract distribution without giving creators a fair, stable path to earnings.

The difference is rarely the headline commission rate. It’s the underlying design: who carries the risk, who gets the data, how transparent the rules are, and whether the program is built for long-term participation or short-term acquisition.

Scaling vs. Exploiting: The Definition

A program scales creators by increasing their earning power over time without forcing them to become more aggressive, more spammy, or more dependent on constant growth.
A program exploits creators when it pushes them toward high-volume promotion while making earnings unpredictable, difficult to verify, or easy to claw back. It can still look attractive on the surface. Exploitation usually hides behind complexity, vague terms, and poor visibility.

Predictable Attribution Is the First Line Between Fair and Predatory

Creators can’t build a business on unclear attribution. Scaling programs have attribution rules that are easy to understand and hard to game: clear cookie windows or lifetime tracking, consistent referral crediting, and minimal “edge cases” where referrals vanish. If attribution is stable, creators can invest in evergreen content and community building because they know the upside compounds.
Exploitative programs often have attribution that feels arbitrary. Referrals might not be credited reliably across devices, codes might override links, or internal promotions take priority. The creator ends up doing the work while the platform controls the scoreboard.

Transparent Terms Beat High Commission Rates

A high commission rate is meaningless if the definitions are slippery. Programs that scale creators define what counts: which products generate commissions, when commissions accrue, what “eligible fees” means, and how adjustments are made. They also define unacceptable behavior with precision so that creators can operate confidently without fear of sudden penalties.
Programs that exploit creators rely on vague rules and broad discretion. Phrases like “suspicious activity,” “low-quality traffic,” or “policy violations” appear without concrete standards. That gives the platform a free option to reduce payouts whenever it sees fit.

Reliable Payouts Turn Affiliate Revenue Into a Real Business

Creators don’t just want earnings. They want a settlement. Scaling programs pay on a predictable schedule, with low friction, in a currency that doesn’t force creators to take unnecessary volatility risk. They also avoid hidden thresholds that trap creators in “almost paid” territory.
Exploitative programs delay payouts, impose high minimum thresholds, or create multi-week waiting periods that leave creators exposed to operational risk. Even worse are programs that encourage creators to scale spend (ads, editors, distribution) while payouts remain uncertain.

Data Access Determines Whether You Can Improve

If the program doesn’t give you usable data, it’s not designed to help you win. Scaling programs provide a dashboard that lets creators see what matters: referral counts, active users, commission sources, and performance over time. They enable answering basic questions like “Which article produces active traders?” or “Which channel retains users?”
Exploitative programs keep reporting shallow. You get impressions and clicks, but not behavior. Or you get a total number with no breakdown. That forces creators into guesswork, which conveniently prevents optimization and keeps the platform in control.

Product-Market Fit for Your Audience Matters More Than Any Commission

A “good” affiliate program that’s mismatched to your audience still won’t scale you. Scaling programs tend to support creators by offering broad, realistic earning surfaces: multiple products, strong onboarding, and user experiences that reduce churn. That makes it easier for creators to refer users who actually stick around and generate ongoing activity.
Exploitative programs often rely on aggressive acquisition, while the product experience leaks to users immediately after signup. The platform still benefits from signups, deposits, or short-lived volume, while the creator carries the downside of weak retention.

Incentives That Force Spam Are a Red Flag

If the only way to make money is to behave badly, the program is broken. Scaling programs allow creators to earn through education, utility, and long-term trust. They don’t require constant shouting, clickbait, or misleading promises to get results. The system works even when the creator stays credible.
Exploitative programs quietly pressure creators into spammy behavior by rewarding only shallow events, offering short tracking windows, or creating “race conditions” around attribution. The creator starts escalating promotional intensity because normal content doesn’t pay.
Support and Enforcement Reveal the Program’s True Intent
Scaling programs have clear escalation paths, documented policy enforcement, and support that treats creators as partners. When tracking issues, attribution conflicts, or payout questions arise, a process begins.
Exploitative programs operate like a black box. Support is slow, answers are generic, and disputes go nowhere. The creator learns a hard truth: the platform owns the system, and the creator has no leverage.

Where Tothemoon Sits on This Spectrum

Tothemoon’s Affiliate Program is built more like infrastructure than a promotional gimmick, which is the direction scaling programs tend to take.
Affiliates can get 70% commission on trading fees generated by referred users, and commissions can also apply to staking rewards earned by those users. Referrals are tracked on a lifetime basis, which supports compounding over time rather than forcing creators to constantly chase new signups. Earnings accrue in real time and are paid in USDC, reducing volatility and making revenue easier to manage.

Closing Thoughts

The best affiliate programs don’t just “offer commission.” They reduce uncertainty, reward long-term value, and give creators the tools to improve. Those programs scale creators because they make outcomes predictable and compounding.
The worst programs do the opposite. They hide the rules, restrict visibility, delay payouts, and shift risk onto creators. They may still attract promoters in the short term, but they don’t create sustainable creator businesses.
If you’re building around affiliate revenue, treat program design like counterparty risk. Because that’s exactly what it is.

How Do Crypto Cards Work?

ritaspolding — Fri, 17 Apr 2026 09:09:12 +0000

Crypto cards have become one of the most practical ways to connect digital assets with everyday spending. They look and function like regular bank cards, but the balance behind them can be linked to a crypto wallet instead of a traditional account. For many users, this is the first time crypto moves from an investment they hold to money they actually use at checkout.
This article explains what a crypto card is, how it works in the background when you pay, which types exist, and what to check before choosing one.

What Is a Crypto Card

A crypto card is a payment card that lets you spend cryptocurrency at merchants that accept traditional card networks like Visa or Mastercard. The merchant still receives fiat currency, such as euros or dollars, while the card issuer handles the conversion from crypto in real time or draws from a pre-funded fiat balance linked to your crypto account.
Most crypto cards are issued as debit cards rather than credit cards. That means you spend funds you already hold on the platform, not borrowed money. The card itself is usually tied to an account at a crypto exchange or a licensed electronic money institution, which manages balances, conversions, and compliance.

How Crypto Cards Work

From the user's perspective, paying with a crypto card feels identical to paying with any other Mastercard or Visa. In the background, a few extra steps happen within seconds.
You tap, insert, or enter the card details at a merchant. The terminal sends the payment request through the card network, the same way it does for any other card.
The card issuer receives the request and checks your available balance. If the card is linked to a crypto wallet, the system calculates how much crypto needs to be converted to cover the amount in the local currency.
The conversion is executed at the current exchange rate, usually with a small spread or conversion fee. In some models, users pre-top up a fiat balance, and crypto is only converted when they move funds into that balance.
The merchant receives the payment in fiat and completes the transaction. Your account shows the spending, the conversion rate used, and any applicable fees.
This allows crypto card users to pay at ordinary stores, restaurants, or online services without the merchant needing any crypto setup. The network handles the fiat leg, and the issuer handles the crypto leg.

What You Can Pay for With a Crypto Card

A crypto card is most useful in everyday situations where transfers from an exchange to a bank would be too slow or too expensive. The clearest case is daily spending at shops, restaurants, and online stores, since the card removes the need to move funds manually before each purchase.
The same applies to recurring subscriptions such as streaming services, cloud storage, and software tools, which rely on a stable payment method linked to a reliable balance.
Travel and cross-border purchases are another frequent scenario, because paying with a crypto card avoids bank wires and the higher FX markups that often apply to international card use.
Many issuers also support ATM cash withdrawals, though availability, limits, and fees depend on the card network and the user's region.
Beyond regular payments, some users treat a crypto card as a treasury tool, keeping most of their funds in crypto or stablecoins and converting only the amounts they actually need at the moment of purchase.

How to Apply for a Tothemoon Card

The Tothemoon card is available to residents of the European Economic Area, and the application process runs entirely inside the Tothemoon account. The steps are straightforward:
Create a Tothemoon account or log in to an existing one.
Complete identity verification.
Open the card section in your dashboard and submit the card application.
Activate the card in the app, set your PIN, and start paying at any Mastercard-accepting merchant.

Benefits of Using a Tothemoon Card

The Tothemoon card is designed to make crypto spending feel as simple as using a regular bank card, while keeping the cost structure and limits competitive for daily use.
EUR Mastercard acceptance. Works at any merchant and online store that accepts Mastercard across the European Economic Area and internationally, with no separate crypto setup required on the merchant side.
Low 0.15% payment fee. One of the lower per-transaction rates among crypto cards, which keeps frequent spending affordable.
€100K daily spending limit. High enough for most personal use cases, travel, and larger one-off purchases without workarounds.
Flexible funding. Pay directly from a EUR balance or spend from crypto, with conversion handled by the platform at the point of top-up.

Fees and Limits to Consider

Crypto cards are convenient, but their cost structure can vary. Before choosing one, it is worth checking the following:
Payment fee. A percentage charged on each transaction, usually 0.1% to 2%. Lower fees matter more for users who spend frequently.
Conversion spread. The difference between the market price and the rate applied when crypto is converted to fiat.
ATM fees. Cash withdrawal fees and monthly free withdrawal allowances.
Foreign exchange fees. Applied when spending outside the card's base currency.
Issuance and maintenance fees. Some providers charge for the physical card or for premium tiers.
Spending and top-up limits. Daily, monthly, and per-transaction caps vary by provider and user verification level.

Conclusion

Crypto cards turn digital assets into spendable money without forcing users to leave the crypto ecosystem. They route payments through standard card networks while handling conversion behind the scenes, which makes them a practical bridge between long-term crypto holdings and everyday expenses. For users in supported regions, a well-structured crypto card can replace much of what a traditional debit card does, with the added flexibility of choosing when, and how much, to convert.

What is OneFootball Club?

ritaspolding — Thu, 16 Apr 2026 21:41:13 +0000

OneFootball Club is a sports-focused digital platform built to connect football fans with tokenized engagement and analytics experiences. The project operates at the intersection of sports media and blockchain infrastructure, aiming to give fans access to data-driven insights, club-level participation mechanics, and community tools tied to real football events and outcomes.

OneFootball Club is part of the broader OneFootball ecosystem, a football media platform recognized across global markets, and is positioned within the Animoca Brands portfolio and the Base ecosystem. Rather than functioning as a passive media layer, OneFootball Club is designed to serve as a participatory infrastructure for football audiences who want closer interaction with the sport through digital assets and on-chain tools.

What is $OFC?

$OFC is the native utility token of the OneFootball Club ecosystem. The token is deployed on Ethereum and Base, supporting cross-chain access across both networks. $OFC is designed to serve as the core access and incentive layer within the platform, enabling holders to participate in community-driven activities, unlock platform features, and engage with club-level experiences tied to the OneFootball ecosystem. The token's dual-chain deployment is intended to balance Ethereum's liquidity infrastructure with Base's lower-cost transaction environment, supporting broader accessibility for the platform's user base.

OFC Tokenomics

Circulating Supply: 161,274,670
Total Supply: 1,000,000,000
Max Supply: 1,000,000,000

Trade $OFC Now

You can now trade OFC/USDC and OFC/USDT on Tothemoon.

The Affiliate Playbook for Market Events: Listings, Volatility, Narratives

ritaspolding — Tue, 14 Apr 2026 19:29:22 +0000

Market events create a rare window where users already have intent. They are paying attention, searching, and are more likely to take action. That is also why these periods attract the worst affiliate behavior: rushed posts, exaggerated claims, and link-drops that burn trust.

In this article, we’ll break down how to work market events like an operator: what to publish, how to sequence it, and how to keep conversion high without turning your content into hype.

Start With the Obvious Constraint: People Are Anxious

During listings and volatile moves, users are not looking for inspiration. They are trying to avoid mistakes. They worry about entering late, getting wrecked on leverage, using the wrong network, or misunderstanding fees. If your content doesn’t acknowledge that anxiety and reduce it, it won’t convert. If it tries to amplify anxiety, it may get clicks but still attract low-quality users.

Separate Event Types Before You Write Anything

Not every “market event” is the same. The format that works for a listing is not the format that works for a violent intraday move, and neither is the same as a narrative rotation.
A listing is a new object. People want to know the basics: what it is, where it trades, the risks, and what to do first if they plan to participate.
Volatility is a stress test. People want execution guidance: what not to do, how to size, how to avoid liquidation behavior, and how to stay disciplined.
A narrative is slower. People want context: what changed, what is real versus noise, and what indicators they should watch over the next days or weeks.

Use a Three-Layer Content Stack

The cleanest event approach is a stack, not a single post. You publish three layers that match how users move from attention to action.
Layer one is the fast context. One short post that says what happened and what it means operationally.
Layer two is the decision support. A longer piece that answers the practical questions and sets boundaries around risk.
Layer three is the execution path. A checklist or walkthrough that tells the user exactly what to do next, including the smallest safe first step.
You can publish layer one quickly, then drop layer two and three as follow-ups. This is how you keep speed without sacrificing trust.

Listing Events: Focus on the First 20 Minutes

Listings create the highest spike in low-quality traffic. The highest-performing listing content is boring. It explains how the listing works, what pairs are available, and what users should double-check before trading. If you include a “first trade” checklist, you’ll convert far better than if you write a prediction. People show up ready to do something. Your job is to prevent the mistakes that blow them up immediately.
This is also the moment where your CTA should be practical. Link to a page that takes the user to the asset quickly and shows the relevant screen, not a generic homepage.

Volatility: Win by Reducing Damage

Volatility content converts when it feels like risk management. Users are not looking for someone to hype them up. They want someone to help them keep their head.
Write in guardrails: position sizing, avoiding market orders in thin liquidity, understanding liquidation mechanics, and setting a plan before entering. If you do mention leverage, do it as a risk topic.
The best volatility affiliate posts are the ones that users save and return to. Those are the posts that build retained users.

Narrative Rotations: Don’t Be Late and Don’t Be Vague

Narratives move more slowly, but they produce better long-run cohorts. People who follow narratives tend to be more consistent and more likely to keep trading over time.
Your edge here is specificity. Define what would confirm the narrative and what would invalidate it. Give readers a short “watch list” of signals. Then point them toward the most relevant next step: a setup guide, a market page, or a simple “how to execute without overtrading” checklist.
If your narrative content is vague, it becomes entertainment. Entertainment can get reach, but it rarely drives clean affiliate conversions.

The Quiet Part: Route Users by Intent

During events, you will encounter a mix of traffic: beginners, active traders, and spectators. If you send all of them to the same destination, you waste most of the spike.
Route by intent. Beginners should land on onboarding. Traders should land on the market page or trading interface. Yield-focused users should land on staking. A simple “start here” hub solves this without adding friction. This is where event content becomes a funnel instead of a feed post.

Don’t Turn Rewards Into the Whole Message

Incentives can help conversion during events, but they should sit behind the utility, not replace it. Users convert when they understand what to do and feel safe doing it. Rewards can be a secondary nudge.
If you lead with rewards, you pull in low-quality traffic and increase churn. If you lead with clarity, rewards become an extra reason to complete the action.
Tothemoon regularly runs new-user incentives through its rewards and campaign layer, such as Tothemoon airdrops, so it can make sense to mention them briefly when they are actually live for that event, then move straight back to the steps and the risk notes.

Post-Event Follow-Through Is Where Money Is Made

The real affiliate edge is what you do after the spike. Most creators disappear after the event. Users who signed up are left to themselves, and many go inactive.
A simple follow-up post a day later can outperform the original announcement. Explain what to do next, how to review results, how to avoid revenge trading, and where to find your evergreen guides. If you run a community, do a short Q&A and point to your pinned checklist.

Closing Thoughts

Market events are high-leverage moments because intent is already present. The mistake is treating them like hype opportunities. The affiliates who win treat them like operational windows: fast context, clear boundaries, and a simple execution path.
If your content helps users take a safer first step and gives them a reason to return after the event, you will earn more than the creators who chase the biggest spike.

We Are Listing SQD ($SQD)

ritaspolding — Thu, 09 Apr 2026 14:14:30 +0000

We are excited to announce that we are listing $SQD on Tothemoon.

What is SQD?

SQD, formerly known as Subsquid, is a decentralized blockchain data access and query network built to help developers, applications, and data-driven services retrieve large volumes of on-chain data more efficiently. The SQD ecosystem centers on SQD Network, which serves as a decentralized query engine and a horizontally scalable data lake for batch queries. The network currently serves historical blockchain data from a wide range of supported chains and is designed to provide more granular and cost-efficient access than conventional node-based RPC infrastructure.

The broader SQD ecosystem is designed for blockchain indexing, analytics, custom APIs, and data pipelines that require reliable access to structured historical on-chain information. In this way, SQD positions itself as infrastructure for applications that depend on scalable Web3 data access rather than as a consumer-facing protocol alone.

What is $SQD?

$SQD is the native ERC-20 protocol token of the SQD Network ecosystem. $SQD is used to support and secure network operations in a permissionless way. Its utility includes rewarding node operators who contribute storage and computation resources, enabling the delegation and curation of network participants, increasing data consumption rate limits through token locking, and participating in governance of protocol changes and proposals.SQD token contracts are deployed across multiple networks, including Arbitrum, Ethereum, Base, and BNB Chain, with Arbitrum used in most network operations. This multi-chain setup is intended to support access to network resources and reward settlement across the ecosystem.

SQD Tokenomics

Circulating Supply: 1,047,975,205
Total Supply: 1,337,000,000
Max Supply: 1,337,000,000
Trade $SQD Now
You can now trade SQD/USDC and SQD/USDT on Tothemoon.

From Netflix to Ryanair: What a Crypto Card Can Actually Pay For

ritaspolding — Wed, 08 Apr 2026 14:38:25 +0000

For a long time, crypto payments were discussed more as a concept than as something people could actually use in everyday life. That is starting to change. One of the clearest examples is the crypto card: a product that connects digital assets with the payment experience people already know.

Instead of asking users to think in terms of wallet addresses, merchant integrations, or direct on-chain payments, a crypto card brings crypto into a familiar format. You tap, pay online, subscribe, book a flight, or buy groceries much like you would with a traditional bank card.

How Does a Crypto Card Work?

A crypto card allows users to spend the value associated with their crypto balance in a real-world payment environment. The point is to let users access their funds in a way that works across the payment systems merchants already use.
A crypto card can turn digital assets from something you hold or trade into something you can actually use in daily life.

From Netflix to Ryanair

The easiest way to understand the usefulness of a crypto card is to stop thinking about crypto and start thinking about purchases.
Can it cover your Netflix subscription?
Can it pay for a Ryanair flight?
Can it work for Spotify, Uber, Amazon, food delivery, online shopping, or travel bookings?
That is where the product starts to make sense.
The appeal of a crypto card is not that it creates a separate crypto economy. It helps users bring crypto into the existing one. When a card works across categories people already spend on, it becomes more than a niche product. It becomes part of normal financial behavior.
That changes how users relate to their crypto. It is no longer only about trading, holding, or moving funds between wallets. Crypto card becomes something that can support everyday payments, subscriptions, travel, and purchases across the same services people already use.

Why Crypto Cards Matter for Users

Most users do not want a complicated payment experiment. They want something that works. They want to move between digital assets and daily spending without unnecessary friction. They want a product that feels intuitive. They want to know that if they are paying for a monthly subscription, booking a trip, or shopping online, the process will be simple.
That is why crypto cards have stronger real-world potential than many other crypto payment ideas. They reduce the distance between owning crypto and using it.
Instead of asking users to change where they shop, how merchants operate, or how payments are processed, the card fits into existing habits.

Why Stablecoins Make the Experience Even More Practical

The crypto card story becomes even more compelling when stablecoins are part of the equation.
Volatile assets may be attractive for trading or long-term exposure, but stablecoins are easier to imagine as spending balances. They are more predictable, easier to budget with, and better suited to everyday payment logic.
A user may still hold other crypto assets as part of a portfolio, but when it comes to paying for recurring subscriptions, transport, travel, or routine spending, stablecoin-linked use feels much closer to how people already think about money.

How the Tothemoon Card Connects Crypto to Real-World Payments

The Tothemoon Card is built to make crypto more usable in everyday life. Users can connect their balance to a card experience designed for online purchases, daily spending, and travel-related payments. According to Tothemoon’s official guide, the card is available to individual users in the EU, supports Apple Pay and Google Pay, and currently works with USDC.
Instead of leaving crypto as something users only hold or trade, the Tothemoon Card helps turn it into a spending tool for subscriptions, shopping, and payments that fit into normal routines. Tothemoon also states that fees for EEA users start at 0.15% and that the daily payment limit is up to €100,000.

Final Thought

The real promise of crypto cards lies in making crypto usable in everyday moments. From Netflix to Ryanair, from subscriptions to shopping, the value of the product becomes obvious when users can rely on it in the same places they already spend. That is the point where crypto becomes less about theory and more about utility.