WHAT IS COINXES EXCHANGE?

New update on our exchanger Coinxes!

We have added new trading pairs along with BABY and JUP tokens.

We continue to work on expanding trading pairs and improving functionality.

Stay tuned for more news!

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What Is the Crypto American Dream?

A fresh policy debate is rippling through U.S. housing: should cryptocurrency holdings count as part of a borrower?s wealth when applying for a mortgage? An opinion piece at Cointelegraph captured the mood, arguing that crypto hasn?t ?crashed? the American Dream so much as renovated it?opening a side‑door to homeownership for self‑directed, digital‑native savers. The trigger is a move by the Federal Housing Finance Agency (FHFA)?the regulator for Fannie Mae and Freddie Mac?to explore how crypto assets might be considered in mortgage applications, a shift from years of exclusion toward potential integration.

The idea is simple but powerful: if a household?s net worth includes digital assets?Bitcoin, Ether, dollar‑stablecoins?shouldn?t part of that be recognized when lenders assess capacity and reserves? Supporters say yes; critics warn that volatility, custody, and compliance risks make crypto wealth a poor substitute for traditional cash and securities. The FHFA?s review puts those questions on the record for the first time.

What, exactly, is changing?

According to Cointelegraph?s coverage and follow‑up reporting, the FHFA has asked the government‑sponsored enterprises to develop a proposal on how to account for crypto in mortgage underwriting. The request has already drawn scrutiny from Senate Democrats, who want details on risk management, public feedback, and the precise role crypto would play alongside existing documentation standards. In short: recognition is being studied, not rubber‑stamped.

Read full article here

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Digital Gold Trading Insights: PAXG vs XAUT vs QGOLD

Tokenized gold bridges two worlds: the stability of bullion and the flexibility of crypto rails. Instead of opening a metal account or wiring to a bullion desk, you hold a token that represents title to vaulted gold and can be sent 24/7 across public blockchains. But not all gold tokens are alike. Issuers differ on custody, redemption, audits/disclosures, jurisdiction/regulation, and market access?differences that directly impact your risk.

Below is a side-by-side, source-backed guide to the three tickers you?ll encounter most often in 2025 conversations: PAXG (Pax Gold), XAUT (Tether Gold), and QGOLD (Quorium).

How tokenized gold works

At a high level, each token is intended to equal a pro-rata claim on London Good Delivery bullion held by a custodian. Tokens live on chains (commonly Ethereum) and move like any ERC-20. When designed well, you get:

on-chain transferability and 24/7 settlement,
a specified custodian/vault holding bars that meet LBMA standards,
a path to redeem for metal or fiat, and
public documentation (audits/attestations, bar lists, terms).
That blueprint is common?but how rigorously each issuer executes it varies.

PAXG (Pax Gold): trust structure, London bars, NYDFS oversight

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Passive Crypto Income With Index Funds & ETFs

Looking for passive crypto income without day-trading? You?ve got more options than you did a year ago. Between spot crypto ETFs, staking-enabled ETPs (mainly in Europe), and covered-call crypto ETFs that distribute option premium, investors can now build a diversified income stream from regulated products. Below is a grounded, source-backed guide to crypto index funds, crypto ETFs, and how they can (and can?t) generate yield in 2025.

First principles: index funds vs. ETFs

Index funds passively track a rules-based basket (e.g., the 10 largest coins). U.S. investors can access vehicles like the Bitwise 10 Crypto Index Fund (BITW) and Grayscale Digital Large Cap Fund (GDLC) via brokerage accounts?these are publicly traded products offering diversified exposure, though fee structures and discounts/premiums to NAV matter.

ETFs/ETPs (exchange-traded funds/products) that hold a single asset?notably Bitcoin and Ether?are now widely available. The U.S. approved spot Bitcoin ETFs in January 2024 and spot Ether ETFs in July 2024, a watershed for mainstream access.

Income reality check: Not every crypto fund pays income. Many spot ETFs simply hold BTC or ETH and don?tdistribute yield. Income comes from how a fund is managed?e.g., staking (where allowed) or options-writing strategies.

Path #1 ? Staking-enabled products (mainly Europe)

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Stablecoins 101: Everything You Need to Know

If you?ve ever asked ?what is a stablecoin?? think of it as a digital dollar (or euro) that lives on a blockchain. Unlike Bitcoin or Ether, stablecoins aim to track a stable asset?usually USD?with mechanisms that keep the price near $1. They power crypto trading, cross-border payments, and increasingly mainstream fintech rails. Central banks and watchdogs study them closely because design choices (and reserves) determine how ?stable? they really are.

What does a stablecoin actually do?
In practice there are three big families:

Fiat-reserve (custodial) stablecoins
A company issues tokens and holds cash-like reserves (T-bills, bank deposits). Customers can mint/redeem 1:1, and market-makers trade away tiny price gaps. This is the model used by USDT and USDC, which publish attestations about their reserves.

Crypto-collateralized stablecoins
Users lock volatile crypto (often over-collateralized) in smart contracts to mint a dollar-pegged asset. The system relies on automatic liquidations if collateral value falls.

Algorithmic designs
These tried to maintain the peg with code-driven incentives (no full backing). The most famous?TerraUSD?collapsed in 2022, a cautionary tale regulators still cite.

Why the fuss from policymakers? Because poorly designed coins can break their peg (?depeg?), spark runs, or impact users and markets. Global bodies like the BIS, IMF, FSB, and FATF have all mapped the risks and policy responses.

How stablecoins work

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