Crypto Currency
“No More Gatekeepers”: Lemon Bank Group and Charter One Launch the First Truly Permissionless Lending Platform on LemonChain
In a move already being hailed as a turning point for decentralized finance, Lemon Bank Group and Charter One have joined forces to launch the world’s most advanced permissionless crypto lending protocol, powered entirely by LemonChain — a Layer 1 blockchain built for real-world utility and rapid DeFi innovation.
As of today, users can visit LEMLOANS.io to pre-register and explore the platform’s loan simulator, ahead of the full beta launch in Q3 2025.
This isn’t just another financial product. It’s a new paradigm:
“No more gatekeepers. No more delays. No more banks standing between people and their money.”
A Protocol for the People — Not Just the Privileged.
Unlike traditional lending or even centralized crypto lenders, LEMLOANS is entirely smart contract-driven and truly permissionless: no credit checks, no applications, no approvals, no middlemen.
You simply: Choose your amount — from $1,000 to $100,000 Choose your term — from 3 months to 5 years Approve the smart contract
Receive your loan instantly in LUSD
Stay in control of your collateral while enjoying financial freedom
“True decentralization doesn’t ask for permission,” said H.E. Dr. Fahed Merhebi, Founder of Lemon Bank Group. “We built this protocol to honor that principle. You own your crypto. You control your future. Nobody can say no.”
Beginning July 15, users can pre-register and lock in their spot. The beta release goes live in Q3 2025, starting with a $50 million lending pool. Backed by institutional infrastructure, the program will expand to over $50 billion in total lending capacity in the
years to come — making LemonChain one of the most powerful on-chain credit ecosystems in existence.
Built for the New FinancialEra.
Engineered on LemonChain’s secure Proof-of-Stake foundation, LEMLOANS gives holders of the LEMX token a suite of powerful benefits:
- Stake LEMX
- Pay for goods and services
- Pair LEMX for liquidity
- Borrow against your holdings
- Spend loan proceeds instantly
- Retain asset ownership and upside
With flexible terms and interest rates starting as low as 5% APR, users are fully in control:
“You pick the term. You pick the amount. No more loan officers, no more paperwork. You’re in full control of your financial future.”
LemPay: From Wallet to World.
LemPay, Lemon Bank Group’s flagship payment platform, is tightly integrated into the lending experience. Features include:
- Instant LUSD loan disbursement
- Visa-powered debit card accepted globally
- Instant spending or fiat conversion
- Real-time transaction and loan tracking
“LemPay is the bridge between decentralized finance and everyday life,” said Ryan Fritzsche, CEO of LemPay. “By empowering users to instantly access their loan proceeds and spend crypto anywhere Visa is accepted, we’re removing friction and making blockchain assets truly usable. This partnership transforms how people interact with their digital wealth — fast, seamless, and permissionless.”
“It’s the fastest path from blockchain to real life I’ve ever seen,” said Derrick Hope at Token2049 Dubai. “This isn’t just a DeFi tool — it’s a life tool.”
Traditional Finance, Meet Protocol Power.
Charter One, a trusted international financial institution, brings decades of banking infrastructure and operational security to the Lemon ecosystem. The firm supports:
- Retail & commercial banking
- Global FX & trade services
- Crypto-to-fiat rails
- Compliance, custody & treasury solutions
“We’re not just watching the future of finance — we’re helping build it,” said Kadiatou Toure for Charter One. “By combining modern compliance with borderless innovation, this partnership sets a new standard for the financial world.”
For the first time, decentralized lending is as fast, flexible, and functional as traditional banking — without compromise.
“Web3 gave us sovereignty,” said Dr. Merhebi. “Now it gives us credit. Permissionless lending is here — and it’s beautiful.”
About Lemon Bank Group
Lemon Bank Group is a Web3-native fintech innovator delivering decentralized tools for lending, payments, and digital asset empowerment. With products like LEMLOANS, LemPay, and LemonChain, it is redefining access to capital and financial autonomy for the new internet economy.
About LemPay
LemPay is the payments engine of the Lemon ecosystem, offering a full-featured crypto wallet, Visa debit card integration, and seamless settlement between blockchain assets and real-world merchants. Users can instantly spend, convert, or withdraw — with complete on-chain transparency.
About Charter One
Charter One is an international financial firm focused on modern banking services, liquidity, and fintech collaboration. The organization is committed to bridging legacy finance with open protocols, unlocking global access to smarter, faster money systems.
Crypto Currency
Trust Wallet Integrates Apple Pay, Expanding Global Crypto Access
Trust Wallet has rolled out Apple Pay support for crypto purchases, marking a major step toward making digital assets easier and more accessible for everyday users. The update, launched on November 27, 2025, enables seamless fiat-to-crypto transactions across more than 45 countries, using Apple’s secure payment framework.
The move strengthens Trust Wallet’s position as a user-friendly gateway into Web3, especially in regions where mobile payments dominate. Through this integration, users can buy cryptocurrencies—such as Bitcoin (BTC), Ethereum (ETH), and BNB—directly in the app using Apple Pay’s biometric authentication and tokenization features.
Trust Wallet emphasized that Apple Pay’s security design ensures sensitive financial data never reaches its servers, offering a streamlined experience without compromising safety. The company expects smoother onboarding for newcomers to crypto and broader adoption among retail participants.
Acquired by Binance in 2018, Trust Wallet continues to grow its ecosystem and utility. The firm also noted potential liquidity boosts for major cryptocurrencies and increased interest in Trust Wallet Token (TWT) as users engage more actively with the app’s features.
With no regulatory issues reported and increasing global demand for simple purchasing methods, the integration aligns with wider trends pushing crypto further into mainstream finance.
Blockchain
XRP’s 45% Exchange Supply Drop Signals Bullish Momentum as Market Eyes $1
XRP is entering one of its most intriguing phases of 2025 as exchange balances plunge more than 45% in just two months—a shift on-chain analysts say could fuel a strong bullish breakout.
Fresh data from Glassnode shows XRP exchange holdings have fallen from 3.95 billion tokens on September 21 to just 2.6 billion by late November. This sharp reduction suggests more holders are choosing self-custody over keeping assets on centralized exchanges, tightening available supply and potentially amplifying future price movements.
Whales Accelerate the Supply Shock
The drop is visible in Glassnode’s latest charts, where XRP’s 7-day SMA balance has been in steady decline while price action continues to fluctuate. With roughly $1.3 billion worth of XRP now moved off exchanges at current pricing, the trend points toward deliberate accumulation rather than panic selling.
Analysts say whale buyers are driving the shift. Large holders appear to be absorbing sell pressure during market dips, signaling renewed confidence in XRP’s cross-border payments use case and Ripple’s expanding global network.
Binance Reserve Decline Deepens Liquidity Tightening
Adding fuel to the trend, XRP reserves on Binance—its largest trading venue—have dropped by roughly $640 million. This deepens the supply squeeze across the broader market and suggests that accumulation is not limited to retail participants.
Momentum is also supported by major regulatory wins. Ripple’s largely favorable outcome in its long-running SEC dispute has restored institutional confidence. Meanwhile, new spot XRP ETF filings by heavyweight firms like BlackRock and Fidelity have injected further optimism, mirroring excitement seen during Bitcoin’s ETF timeline.
Regulation, ETFs, and Ledger Activity Strengthen the Bullish Case
Historically, steep declines in on-exchange supply have preceded major price expansions—XRP’s 2017 rally being a prime example. While macro factors such as Federal Reserve policy remain important variables, the fundamental picture is strengthening.
XRP Ledger activity is up 30% month-over-month, and analysts believe that if exchange outflows continue at this pace, XRP could reasonably challenge the $1 mark in the near term.
For now, the market seems to be sending one clear signal: reduced liquid supply means increased potential energy for the next significant move.
Blockchain
Amundi Launches €5 Billion Tokenized Money Market Fund on Ethereum
Europe’s largest asset manager brings a major traditional finance product on-chain, signaling accelerating institutional adoption of blockchain technology.
Amundi, the largest asset manager in Europe, has launched a €5 billion tokenized money market fund on the Ethereum blockchain, marking one of the most significant institutional commitments to on-chain finance to date. The fund, developed in partnership with the asset servicing giant CACEIS, went live on November 4, 2025, and represents a major step toward bringing regulated financial products into blockchain environments.
A Milestone for Traditional Finance Moving On-Chain
According to the company, tokenizing the fund enables a more efficient structure for issuance, record-keeping, and settlement while maintaining compliance with existing regulatory frameworks. The collaboration between Amundi and CACEIS establishes the infrastructure needed to securely issue and manage tokenized shares of the fund on Ethereum.
In a statement, Amundi described the launch as “a pivotal step in bridging traditional finance with the innovative capabilities of blockchain technology,” highlighting the shift toward hybrid financial models that blend regulated investment products with decentralized infrastructure.
Why Ethereum?
The decision to deploy on Ethereum underscores the network’s growing role as the preferred blockchain for institutional-grade tokenization. The model enables:
- Faster and more transparent transactions
- Programmable compliance
- Greater operational flexibility
- The ability to interact with on-chain systems or custodians
Investors are expected to benefit from smoother transitions between traditional custody structures and blockchain-based holdings, potentially streamlining internal operations for asset managers and institutional treasuries.
Potential Impact on Ethereum and DeFi
Market observers anticipate that a tokenized fund of this size could influence liquidity flows within the Ethereum ecosystem, especially as institutions explore on-chain settlement or integrate tokenized shares into their operational frameworks.
While the fund itself remains within traditional regulatory boundaries, its presence on Ethereum may indirectly benefit related DeFi infrastructure by reinforcing blockchain’s credibility as a settlement layer for large-scale financial products.
The move reflects a broader trend in Europe toward tokenizing real-world assets (RWA), with regulators increasingly open to blockchain-based financial innovation. Previous tokenized fund pilots across the region suggest that regulatory support for tokenization will continue to expand as institutions seek improved transparency and operational efficiency.
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