币圈链丹师

If you encounter repayment pressure in online lending, it may be helpful to first understand the current policy dynamics and handling methods.

Based on reliable sources, I have distilled some practical knowledge from a friend's (a debt collector in online lending) sharing, but please note that these are general suggestions, and the actual situation varies by platform, amount, and personal credit.

1⃣Small overdue amounts usually do not easily lead to litigation: If the owed amount is relatively small (for example, below 10,000 yuan), platforms often prioritize handling it through phone collections rather than immediately suing. This is more of a deterrent, but overdue payments will still incur penalties and affect credit. According to the central bank's 2026 credit repair policy, for overdue amounts not exceeding 10,000 yuan during the period from 2020 to 2025, if paid in full before March 31, 2026, the relevant record will no longer appear on the credit report. This is a one-time repair that is available without application, helping to alleviate credit pressure.

2⃣Opportunities for interest reduction on Alipay's Borrowing Service and Baidu's Cash Loan:
These platforms may attempt to negotiate a reduction in part of the interest or penalties after overdue, especially if you show willingness to repay and provide proof of hardship (such as income proof or special situation explanation). It is recommended to contact the platform's customer service early and upload evidence to seek a personalized plan.

3⃣Credit card installment repayments: If it involves credit card consumption or cash advances (Note: cashing out is illegal and may lead to account freezing or legal risks), as long as you show a positive willingness to repay after overdue, banks usually allow you to apply for personalized installment repayments. The China Banking and Insurance Regulatory Commission stipulates that the maximum installment period is 5 years, with a cash advance installment limit not exceeding 50,000 yuan and a period not exceeding 2 years. Early repayment may incur remaining interest, but it can avoid full penalty interest. It is advisable to directly contact the bank's customer service to negotiate for interest-free installments.

This year's market is too difficult, and we can only make do with these New Year's goods.

Although it's simple, I hope the New Year brings a turnaround opportunity!

There really isn't much to do, so today let's participate in this no-investment project.

1⃣Claim the daily visit badge: This is a one-time NFT badge, and once obtained, you can start the daily task system and immediately receive a reward of 20 AP.

2⃣Complete 7 days of continuous sign-ins: Stick to it for 7 days, collect all 7 fragments, and you can forge a unique daily NFT. This NFT supports on-chain minting and also gives an additional reward of 30 AP.

Link: https://app.fairshares.io/waitlist?AccessCode=z635ciiq

Beginner's Guide to Crypto Investment: Starting with Binance Wallet and Building Your Personal Strategy

Today, for beginners, let's talk about how to start from scratch in the crypto world.
Based on my experience: start with Binance Wallet, learn candlestick analysis, and pay attention to on-chain indicators (such as Glassnode data).
Finally, I'll share my asset allocation strategy—60% BTC/ETH, 30% trading, 10% DeFi mining.

1. Getting Started: Choose Binance Wallet, why? How to use it? Binance Wallet is a beginner-friendly entry point, supporting multiple chains (such as BNB Chain, ETH, Solana), integrating exchange functions, making it easy to buy coins, transfer funds, and operate in DeFi. Compared to MetaMask, it is safer (with built-in MPC technology to prevent private key leakage) and has lower fees.

2. Learn Candlestick Analysis: From basics to practical candlestick (Candlestick chart) is a tool for assessing market sentiment. The red and green bars represent price fluctuations, and the wicks show volatility.
Don't worry, beginners can get started in 1 week.
Learning Path: Basic knowledge: components of candlesticks—open/close/high/low. Common patterns: hammer (reversal signal), engulfing pattern (trend reversal).
Tool recommendations: use TradingView or the Binance App's chart.
Set the time frame to 1H/4H, look at the BTC/USDT pair.
Practical tips: trend lines, draw ascending/descending channels, stop loss when it breaks.
Indicator overlays: add MACD, RSI (overbought/oversold). RSI >70 sell, <30 buy. Common mistakes: don't chase highs and cut losses.

Look at 1-hour charts every day to predict the next day's trend. Is it accurate? Congratulations, you are making progress!

A qualified investor

must always keep 3100 yuan in their account

3000 to buy an electric vehicle, 100 to handle the health certificate

Meituan and Ele.me are your opportunities for a comeback

In order to maintain harmony in the family this year, please be sure to play the role of a "failure" when returning home for the New Year.

When you tell your relatives that your monthly salary is 3000, they look at you with kind expressions.
When you tell them that your monthly salary is 30000, their smiles instantly freeze.

This is the darkest "Happiness Relative Theory" in the circle of relatives: their concern is essentially based on the premise that "you are not as good as me".

This sense of superiority is one of the few sources of dopamine in their mediocre lives.

Once you break the balance
You buy luxury cars, become an executive, and your income skyrockets
Their sense of superiority collapses.

Concern will also quickly turn sour, turning into various criticisms: "What's the use of earning so much? Why aren't you married!"
"The pressure in big cities is so high, your health will eventually collapse!"
"No amount of money is useful, health is the most important..."

Do you understand? Only if you live a miserable enough life will their concern be "genuine".

The opportunity for passive airdrops in the ActionFi ecosystem has arrived! We are currently in the early stage (Epoch 1)

The earlier you participate, the higher the multiplier bonus (Epoch 1 offers a 2x permanent bonus, which will gradually decrease in subsequent epochs).

Just a few simple steps to start, run in the background and you can earn points effortlessly, which will later convert into real token rewards like $LAM (the project has clearly allocated 35% of the total supply to community contributors).

If you shut down, remember to stop the operation, otherwise, the points will fail to upload.

Plugin link: http://join.actionmodel.com/JUN0311

The Perle project is currently not too competitive; many people haven't even completed the voice tasks, and the actual completion rate is much lower than it appears.

Today's on-chain data:
Novice (Beginner Badge): Minted ≈ 46,000
Researcher: Minted ≈ 7,900
Scholar: Minted ≈ 3,700

This means that currently, only around 7,900 users have completed all tasks to obtain the Researcher badge.
Many people have stopped at Novice or only completed simple social tasks, and the specialized voice tasks have hardly been touched.

Participation link: https://app.perle.xyz/join/RoFRqb

The airdrop opportunity for the ActionFi ecosystem is here! Currently in the early stage (Epoch 1)

The earlier you participate, the higher the multiplier (Epoch 1 allows for a permanent 2x bonus, which will gradually decrease in subsequent epochs).

Just a few simple steps to start, and it will run in the background, allowing you to earn points effortlessly, which will later be converted into real token rewards like $LAM (the project has clearly allocated 35% of the total supply to community contributors).

If you shut down, remember to stop the operation, otherwise the points will fail to upload.

Plugin link: http://join.actionmodel.com/JUN0311

Zama is highly likely to succeed! Everyone is a bit anxious before the market opens, but don't panic.

The founding team is fully present @randhindi and interacts every day, which is something not possible for a vaporware project.

Multiple platforms are going live simultaneously: Bitget, OKX, Bybit, Kraken, MEXC, KuCoin, etc., have confirmed.

The Staking portal is now live! Currently, the total staking amount is 21.50M $ZAMA, with 18 nodes, and the highest APR is 2745% (the actual rate depends on the operator and network conditions; high rates in the early stages are normal).
Staking website: https://staking.zama.org

@Zama is betting on the long-term narrative of Web3 privacy infrastructure, and should perform well when it launches on February 2.

Surf has already started accumulating points! Currently, points are likely to affect the weight of future airdrops.

If you haven't tried it yet, I highly recommend giving this investment research tool a shot.

🔗http://asksurf.ai/?r=F9A7B370F753 Enjoy three days of free membership

Tether officially launches USA₮! This is a stablecoin specifically designed for the American market, federally regulated, and fully backed 1:1 by the US dollar!

Today (January 27, 2026), Tether officially announced: USA₮ (also known as USAT)
has officially gone live, issued by Anchorage Digital Bank, a federally chartered bank in the United States, fully compliant with the latest US stablecoin legislation, the GENIUS Act, including bank-level issuance, 100% reserves, and ongoing regulatory audits. This means: USDT continues to serve as the globally used stablecoin, with the largest circulation and most widespread usage, while USA₮ is a compliant version exclusively "Made in the USA", primarily targeting US institutions, platforms, and scenarios requiring federal regulatory compliance. Tether CEO Paolo Ardoino stated: "USA₮ provides US institutions with another option: a digital dollar manufactured locally in the USA, fully compliant."

Key highlights: Issued by a federally regulated bank, overseen by the OCC (Office of the Comptroller of the Currency), reserves held by reputable institutions (such as Cantor Fitzgerald), offering greater transparency. The goal is to meet the strong demand from institutions for compliant digital dollars while consolidating the dollar's dominant position in the crypto world. US users can now choose a more "local" and more regulated stablecoin option. This may be Tether's perfect pivot in response to US regulatory pressure: maintaining the global stature of USDT while opening up a new compliant avenue in the US.

Future institutional participation, traditional finance bridging, and even IRS payment scenarios may favor USA₮. Another heavyweight player has entered the crypto space!

What do you think? Will you migrate some funds to USA₮?
Or continue to go all in on USDT? Could this accelerate more institutional funds entering the market?
Feel free to battle it out in the comments!
🚀
#USA₮ #USA #稳定币

The Impossible Triangle of Cryptocurrency Bloggers: Excess Returns vs Moral Purity vs Massive Traffic

Have you ever seen anyone possess all of these at the same time?

I think the six most valuable real estates in today's era are

1⃣A healthy body

2⃣A clean worldview

3⃣Stable emotions

4⃣The ability to turn the page

5⃣The skill to make money

6⃣A childlike sincere expectation for tomorrow

The market is sluggish, the bear market is exhausting, and everyone's mood isn't great～

The master is here to draw a super cute authentic Labubu blind box for everyone (currently, official channels are almost out of stock, and there is serious market markup)!

The rules of the event are super simple:
You must follow me on Twitter @Jun666Xx

Comment under this tweet: What is the token/project you are most optimistic about in 2026?
Why do you believe in it? (The more serious, the more sincere)

5 Levels of Workplace Flattery

Beginner: The leader is always right, just compliment them and it's done.
Intermediate: Before the leader even starts talking, the work is already done.
Advanced: At critical moments, take the blame for the leader without batting an eye.
Expert: Help the leader inflate their achievements and also manage to produce the plan.
Top-level: Treat the leader like a father/close confidant, taking on all of their negative emotions.

In the end, there is no flattery in the workplace without reason, only bargaining chips for resources.

Those who purchase Surf membership are in luck

The community gets priority access to participate in the $ROBO public sale

Remember to go to settings to bind your address

Address: http://asksurf.ai

Your name is well-chosen, haha!

Nine typical manifestations of being brainless, how many do you have?

1⃣Always blabbing, completely unable to keep secrets

2⃣Loves to show off, wants to flaunt any good things

3⃣Particularly concerned about others' evaluations, living in others' eyes

4⃣Believes everything others say without a doubt

5⃣Always getting deceived, falling for it every time but never learning

6⃣Easily loses temper, gets angry over trivial matters

7⃣Emotions are written all over the face, cannot hide them at all

8⃣Poor expression ability, always having words stuck in the throat

9⃣Opens up to others wholeheartedly, with no reservations, zero vigilance against others