The world of crypto lending just got a reboot, and it’s looking a lot smarter (and riskier) than before.

Thanks to a market revival boosted by President Trump’s bullish stance on Bitcoin and blockchain, microloans are making a comeback. But this time, they’re being handed out by AI bots, backed by eye scans, and tracked on the blockchain.

Forget paperwork – all you need now is your iris, a stablecoin wallet, and nerves of steel.

As decentralized finance (DeFi) tools go mainstream again, a new generation of crypto projects is jumping into the spotlight.

From biometric lending to AI-powered repayments, the infrastructure for frictionless finance is evolving fast. And as this trend heats up, three new crypto projects right now look especially well-positioned to benefit.

Let’s break down the trend – and the tokens.

Trump, Tokens, and the Return of Crypto Credit

It’s 2025, but the ghosts of Celsius and Genesis still haunt crypto space. In 2022, major lenders like Celsius and Genesis went under.

Celsius’s former CEO, Alex Mashinsky, ended up with a 12-year prison sentence for fraud, and Genesis had to pay $2B to settle claims after misleading hundreds of thousands of investors.

But the market has moved on.

With Bitcoin near new all-time highs and traditional finance firms like JPMorgan and Cantor Fitzgerald launching crypto lending products, things are heating up again.

Add Trump’s pro-crypto policies to the mix, and you’ve got a perfect recipe for risk-on appetite.

New startups like Divine and 3Jane are reimagining loans without collateral, instead using biometrics, smart contracts, and AI to assess and manage risk.

And guess what? Investors love it. So do everyday borrowers who’ve never had access to traditional credit. That’s where these new crypto projects come in.

1. Best Wallet Token ($BEST) – The Power Token for a New Lending Era

As uncollateralized crypto loans and DeFi credit lines return to the spotlight, one token is positioning itself at the center of it all: Best Wallet Token ($BEST).

While the wallet it’s named after is impressive, it’s the token utility that makes $BEST truly stand out in this new wave of programmable finance.

$BEST is more than just a payment token – it’s a power token that unlocks deep access to the growing Best Wallet ecosystem.

Holders get reduced transaction fees, early access to upcoming crypto projects, and boosted staking rewards.

With crypto lending apps increasingly using wallet-based tools to onboard borrowers and manage repayments, $BEST offers a way to sweeten the deal for users participating in this expanding microloan economy.

The token also comes with real-world perks, especially in the iGaming space. Think free spins, lootboxes, bonus plays, and lower withdrawal fees – all just for holding $BEST.

Currently priced at $0.025395, the token has already raised over $14.2M in presale, with early stages launching exclusively in the Best Wallet app.

If lending is going mainstream again, $BEST could become the rewards engine behind it.

2. SUBBD Token ($SUBBD) – Identity and AI Collide in the New DeFi Economy

In this new wave of crypto microloans, where AI bots are dishing out uncollateralized funds and iris scans double as credit checks, trust and identity are everything.

That’s where SUBBD Token ($SUBBD) steps in – not as a lender, but as the backbone for verifiable, creator-driven digital identities that plug directly into Web3 lending platforms.

$SUBBD is pioneering a decentralized identity and content ecosystem powered by AI.

On one side, creators can build their reputation through AI-assisted content generation, monetization, and fan interaction.

On the other, users can stake $SUBBD to unlock premium features or validate their profiles with real-world documents and crypto holdings – a perfect fit for lending protocols seeking trust signals without traditional KYC.

Add in frictionless crypto payments, 20% APY staking during presale, and a borderless subscription economy, and you’ve got a token designed for real-world use.

Currently priced at $0.056025, $SUBBD has already raised $898K in its presale. In a world where identity is currency, $SUBBD could be DeFi’s next authentication layer.

3. Remittix Token ($RTX): Lending’s Cross-Border Credit Conduit

Remittix Token ($RTX) is quickly becoming a key player in the new wave of crypto microloans and programmable credit.

As lending platforms move away from traditional collateral models and toward identity-based underwriting, $RTX steps in with a practical solution: seamless crypto-to-fiat transfers across more than 30 countries.

This means borrowers can receive stablecoin loans and repay them directly into their local bank accounts – no exchanges, no middlemen, just fast, low-fee transfers.

Built on Ethereum with support for Solana integration, Remittix Token is designed for speed and affordability, making it ideal for microloan repayments in emerging markets.

The project has already raised $17.4M in its ongoing presale, with each token priced at $0.0876.

A 50% bonus is available to early buyers, and the platform is CertiK audited for added security.

In a lending space filled with AI bots and biometric scans, RTX provides the real-world payment rails that could make decentralized credit actually usable at scale.

New Crypto Powering DeFi’s Next Chapter

Crypto lending is going back to its roots – fast, accessible, and built for the people.

With AI, biometrics, and smart contracts leading the charge, projects like $BEST, $SUBBD, and $RTX are bringing real-world utility to the DeFi space. If you’re looking for new crypto with real momentum, these presale tokens are worth a closer look.

This article is for informational purposes only and doesn’t constitute financial advice. Always do your own research (DYOR) before investing in crypto.

This is a sponsored article. Opinions expressed are solely those of the sponsor and readers should conduct their own due diligence before taking any action based on information presented in this article.

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Filed under: Bitcoin - @ July 28, 2025 12:10 am