Krunal Soni

🚀 Top Blockchains by Monthly Active Addresses – What the Data Tells Us 📊 From Darshana Manikkuwadura (Dash) 🇬🇧 🇱🇰 In Web3, traction isn’t just about TVL or market cap — it’s about users. Real adoption. Real transactions. Real engagement. This chart says it all 🔍👇 🧠 Monthly Active Addresses are one of the most telling metrics in blockchain — measuring the number of unique wallets sending on-chain transactions over a 30-day period. It captures what TVL can’t: actual usage, across DeFi, gaming, infrastructure, payments, and social dApps. And the latest data reveals a surprising leader: NEAR Protocol 🏆 with 51.2M monthly actives and 3.1M daily, edging out Solana and BNB Chain. 💡 Here’s what stands out: 🌐 NEAR Protocol — The dark horse is now leading the pack. With its chain abstraction layer and developer-friendly UX (via Chain Signatures and FastAuth), NEAR is quietly powering a multi-chain user experience — and it’s showing in the metrics. 🔥 Solana Foundation — Despite network criticisms in the past, Solana remains a Web3 powerhouse with 50.2M actives and a strong mobile-first push via Solana Mobile and the Seeker device. 🦾 Binance BNB Chain — Still a DeFi titan with 47.8M monthly actives, largely driven by its DEX ecosystem and massive retail reach. 🧪 Base — Coinbase’s Layer 2 is not just an experiment anymore — it’s becoming the default on-ramp for on-chain activity with 22M active wallets and growing fast thanks to social dApps like Farcaster. 🎮 Ronin — The Web3 gaming chain makes a comeback with 1M monthly users. With Axie Infinity’s revival and new IPs, the gaming-native thesis is clearly alive. 🎯 Meanwhile, Bitcoin and Ethereum — the OGs — show that store-of-value and L1 settlement are no longer the sole drivers of wallet activity. BTC and ETH see fewer active addresses than newer chains like Tron, Aptos, and Polygon — indicating where users are truly engaging. This tells a bigger story: 👉 The future of blockchain belongs to chains that prioritize: 👉 Frictionless onboarding (account abstraction, gasless UX) 👉 Mobile-first experiences 👉 Real-time apps (messaging, gaming, payments) 👉 Cross-chain composability and agentic middleware As we transition from speculative assets to agentic infrastructure — where AI agents transact, sign, and govern on behalf of users — wallet activity will be the ultimate proxy for chain utility. Whether you're building, investing, or exploring — follow the users. They always lead the way. 📈 Data = Direction. This image is a signal, not noise. Let’s build where the users are. #Blockchain #Web3 #Crypto #AIxCrypto #Near #Solana #BNBChain #Base #Tron #Aptos #Bitcoin #Ethereum #Polygon #Arbitrum #OPMainnet #Ton #Gravity #Celo #Ronin #MonthlyActiveUsers #CryptoAnalytics #WalletAdoption #Layer1 #Layer2 #CryptoTrends #ChainGrowth #AIAndBlockchain #OnchainData #darshanamanikkuwadura Darshana Manikkuwadura (Dash) 🇬🇧 🇱🇰

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#FinTech | #Lending | #Payments :  The use of cashless payments translates into improved access to #capital from FinTech lenders. In the context of unsecured lending to small businesses in India, NBER working paper research highlights that higher usage of cashless payments yields a higher likelihood of obtaining a loan, reduced interest rates, and larger loan amounts. Cashless payment usage also predicts a lower likelihood of default.  As cashless payments continue to rise in prominence and accessibility across the globe, NBER research underscores the unique value of payment records as rich sources of information for evaluating borrower's creditworthiness and for making financial intermediation more efficient. Source : Pulak Ghosh, Boris Vallee, and Yao Zeng NBER Working Paper No. 34148.

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Security is very very important in web3 ecosystem! CoinDCX India’s largest crypto exchange get compromised. Security is must and most needed for web3 ecosystem along with regulation for customer protection! #crypto #india #coindcx Source : @crypto india

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🚨 Big News for Indian Investors! 🚨 Perplexity, the AI-powered search engine, is now offering FREE access to: 📊 Indian Stock Market data (BSE & NSE listed companies) 💹 Crypto market data (via Coinbase) 📈 Historical prices, company earnings, and in-depth market trends ✅ No paywall — features that usually cost money from brokers are now free for Indian users. 💡 Perfect for retail investors to research, track, and build their strategies without extra cost. 🔍 Time to explore smart investing with data at your fingertips! - CA Saran Kumar U #StockMarket #Crypto #Investing #Perplexity #Finance #Trading #IndiaInvestments

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A Wake-Up Call for the Crypto Industry – The CoinDCX Hack On July 19, 2025, CoinDCX, one of India’s leading cryptocurrency exchanges, suffered a significant security breach when its internal liquidity wallet was hacked. Attackers stole approximately $44 million (INR 378 crore) in Ethereum and Solana, leveraging crypto bridges and Tornado Cash to obscure the funds and vanish quickly. Despite the breach, CoinDCX assures that user wallets remain safe, as the compromised account was isolated and separate from customer funds, with the exchange absorbing the full loss from its treasury reserves. But what are these Attack Tactics ? 🌉 Crypto Bridges: These are protocols that enable the transfer of assets between different blockchain networks, like moving funds from Solana to Ethereum. In this hack, attackers used bridges to shift stolen assets across chains, exploiting their interoperability to complicate tracking and enhance laundering efforts. 💰 Tornado Cash: A decentralized mixer that anonymizes cryptocurrency transactions by pooling and redistributing funds, making it nearly impossible to trace their origin. The hackers initiated the exploit with 1 ETH from Tornado Cash, a tool often linked to illicit activities, to obscure the money trail. CoinDCX has launched India’s largest crypto recovery bounty program, offering up to 25% of recovered funds (potentially $11 million) to ethical hackers and blockchain experts aiding in asset recovery. The exchange is collaborating with cybersecurity firms like Sygnia and Seal911, alongside the Solana Foundation and bridge partners Wormhole and deBridge , to investigate. The attack likely involved a sophisticated server breach, possibly via phishing or unpatched vulnerabilities, followed by a coordinated cross-chain laundering strategy. This incident, following last year’s WazirX hack, highlights the persistent risks to centralized exchanges. It underscores the need for robust security, real-time monitoring, and industry-wide standards to protect the ecosystem. How can AI-driven tools and Web3 innovations strengthen defenses against such threats? #cybersecurity #cryptocurrency #coindcx #blockchain #web3 #hack

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𝐑𝐁𝐈 𝐬𝐭𝐫𝐞𝐧𝐠𝐭𝐡𝐞𝐧𝐬 𝐚𝐮𝐭𝐡𝐞𝐧𝐭𝐢𝐜𝐚𝐭𝐢𝐨𝐧 𝐟𝐨𝐫 𝐝𝐢𝐠𝐢𝐭𝐚𝐥 𝐩𝐚𝐲𝐦𝐞𝐧𝐭𝐬 The 𝐑𝐁𝐈 𝐃𝐢𝐫𝐞𝐜𝐭𝐢𝐨𝐧𝐬, 𝟐𝟎𝟐𝟓 set new benchmarks for secure transactions in India’s digital economy: 𝐓𝐢𝐦𝐞𝐥𝐢𝐧𝐞: Domestic compliance – 𝐀𝐩𝐫 𝟏, 𝟐𝟎𝟐𝟔 Cross-border compliance – 𝐎𝐜𝐭 𝟏, 𝟐𝟎𝟐𝟔 𝟐𝐅𝐀 𝐦𝐚𝐧𝐝𝐚𝐭𝐨𝐫𝐲 for all domestic digital payments — with at least one factor being 𝐝𝐲𝐧𝐚𝐦𝐢𝐜 & 𝐮𝐧𝐢𝐪𝐮𝐞 𝐩𝐞𝐫 𝐭𝐫𝐚𝐧𝐬𝐚𝐜𝐭𝐢𝐨𝐧. 𝐈𝐧𝐭𝐞𝐫𝐨𝐩𝐞𝐫𝐚𝐛𝐢𝐥𝐢𝐭𝐲: tokenisation & authentication services must be accessible across apps in the same ecosystem. 𝐑𝐢𝐬𝐤-𝐛𝐚𝐬𝐞𝐝 𝐜𝐡𝐞𝐜𝐤𝐬: issuers encouraged to use behavioural, device & location data; DigiLocker can be leveraged for high-risk confirmations. 𝐈𝐬𝐬𝐮𝐞𝐫 𝐚𝐜𝐜𝐨𝐮𝐧𝐭𝐚𝐛𝐢𝐥𝐢𝐭𝐲: comply with the 𝐃𝐏𝐃𝐏 𝐀𝐜𝐭, 𝟐𝟎𝟐𝟑, ensure robust authentication, and 𝐜𝐨𝐦𝐩𝐞𝐧𝐬𝐚𝐭𝐞 𝐜𝐮𝐬𝐭𝐨𝐦𝐞𝐫𝐬 𝐟𝐮𝐥𝐥𝐲 for non-compliant losses. 𝐄𝐱𝐞𝐦𝐩𝐭𝐢𝐨𝐧𝐬 𝐜𝐨𝐧𝐭𝐢𝐧𝐮𝐞: small-value contactless, recurring e-mandates (post-first), NETC tolls, offline small-value payments, select PPIs, corporate travel bookings. 𝐂𝐫𝐨𝐬𝐬-𝐛𝐨𝐫𝐝𝐞𝐫 𝐂𝐍𝐏 𝐭𝐫𝐚𝐧𝐬𝐚𝐜𝐭𝐢𝐨𝐧𝐬: by 𝐎𝐜𝐭 𝟏, 𝟐𝟎𝟐𝟔, issuers must validate overseas requests, register BINs with networks, and adopt risk frameworks. A strong step towards 𝐬𝐚𝐟𝐞𝐫, 𝐬𝐞𝐚𝐦𝐥𝐞𝐬𝐬 & 𝐟𝐮𝐭𝐮𝐫𝐞-𝐫𝐞𝐚𝐝𝐲 𝐩𝐚𝐲𝐦𝐞𝐧𝐭𝐬. #RBI #DigitalPayments #Fintech #Compliance #CyberSecurity #DPDP #Innovation

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🏦 RBI's new authentication policy will reshape how India's ₹3+ lakh crore annual card payment on e-com ecosystem works From April 1, 2026, every domestic digital payment in India must be verified with at least two factors, and at least one must be dynamic and unique to the transaction 🔐 (e.g., device-bound cryptographic proof, biometric confirmation, or app-based token), not just SMS OTP by default. This will raise security standards while opening the door to faster, more seamless flows powered by biometrics, device credentials, and risk-based checks. 📱 What changes now ✅ Credit and debit card-not-present payments will increasingly shift from OTP-heavy flows to device-native authentication and token-based approvals, especially for remote and high-risk transactions ✅ Banks and payment players are expected to adopt SDKs in issuer apps and implement device binding, biometrics, and cryptographic signatures; redirections to issuer apps for step-up approvals will become common ✅ Tokenized wallet experiences (like Apple/Google Pay and Samsung Wallet in the West) will gain ground: card credentials stored securely on-device, and each payment approved with a biometric plus a transaction-unique cryptogram 📲 🤔 But what about friction? ⚠️ Yes, there will be short-term friction as the ecosystem transitions away from SMS-first habits ⚡ Over time, a "single secure wallet" experience—where all cards are tokenized and authenticated via one app using biometrics—can reduce friction versus juggling multiple issuer apps and OTPs 🎯 Why this matters 🛡️ Stronger protection against phishing, SIM swaps, and OTP interception ⚡ Faster approvals with fewer failure points, especially on stable devices 🌍 A more resilient, globally aligned security posture that supports long-term growth 🚀 Our vision at Orbit Wallet 💡 Started with a simple idea: build a digital wallet that lets people securely store, manage, and transact with their cards—without compromising on speed or security 🔒 Now, we're proactively enabling card tokenization and device-based authentication to make payments safer and smoother while staying fully compliant with the new directions 🎯 The goal: one secure place for all cards, biometric approvals in a tap, and dynamic proofs for every transaction 🔮 What to expect next 📱 More merchant checkouts offering wallet-style biometric pay 🏦 Issuer apps prompting quick, in-app confirmations for sensitive or high-risk payments 📉 Gradual de-emphasis of OTPs in favor of device-bound, risk-aware authentication ⏰ The window to build compliance advantage closes fast. If you're a #bank, #fintech, #merchant or #PG, this is the moment to redesign authentication journeys—prioritizing device-bound tokens, biometrics, and adaptive risk signals. Orbit Wallet is building for that future so digital payments can be both safer and simpler. What's your authentication strategy for 2026? Reserve Bank of India (RBI) #NPCI #Fintech #VCs #tokenisation

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