According to YC, we’re now entering a new era of Fintech 3.0, which will be about ‘building a new financial system with code.’
For this reason, the company plans to help fund startups that build financial systems directly on blockchain infrastructure, reflecting the convergence of regulatory clarity, scalable blockchain infrastructure, and growing user adoption, which will make on-chain finance mainstream.
Against this backdrop, new crypto projects are emerging to ride the wave – such as Bitcoin Hyper ($HYPER), a next-generation Bitcoin Layer-2 solution, and Maxi Doge ($MAXI), a fast-rising meme token designed to attract degens and meme coin enthusiasts.
Fintech 3.0 Sets the Stage for the Next Wave of Crypto Opportunities
According to YC, three key factors now make on-chain finance a mainstream reality. For starters, the US’ GENIUS Act – establishing the first stablecoin regulatory framework – has helped boost investor confidence.
The second factor is infrastructure. Layer-2 blockchains like Base are no longer experimental. They now process instantaneous transactions at lower costs, hosting billions of dollars-worth in assets.
This level of scalability reinforces investor confidence, positioning blockchain as a mainstream financial rail.
Lastly, there is the rapid rate of adoption. Crypto now has around 590M users globally, and the total transaction volume of stablecoins over the past 12 months stands at an impressive $44.4T.
The synchronization of regulatory certainty, scaling infrastructure, and widespread adoption – highlighted by Y Combinator’s initiative to drive fintech 3.0 – sets the stage for a bullish crypto landscape focused on Layer-2 blockchain solutions, stablecoins, and tokenization initiatives.
1. Bitcoin Hyper: High-Speed, Low-Fee Utility on the World’s Oldest Blockchain
The Bitcoin blockchain scores top points when it comes to security. Speed, cost-effectiveness, and scalability? Not so much. Bitcoin transactions, for instance, are limited to just seven per second, compared to Solana’s theoretical max of 65K.
The goal: to deliver ultra-fast, low-cost transactions and brilliant contract execution while retaining Bitcoin’s legendary security. Bitcoin Hyper will enable you to engage in lending, borrowing, liquidity farming, and staking – in addition to interacting with dApps and NFTs.
Adding to the fuel, the fixed supply of 21B tokens balances $HYPER’s long-term sustainability and immediate utility.
Some 15% of tokens are reserved for rewards, while 30% is dedicated to Layer-2 development to scale dApps and expand adoption.
Bitcoin Hyper’s presale has already raised $17.9M, with whales circling aggressively – just yesterday, two buys worth $99.7K ($87K and $12.7K) were made within hours of each other.
For a $100 investment today, for instance, that equates to around $1,543 by 2025 and an astonishing $9,259 by 2030 before staking is even factored in.
With whales already loading up and the subsequent price rise tomorrow, join the $HYPER presale today before the early entry window closes.
2. Maxi Doge: Big Dog Energy With High-Leverage Focus
Maxi Doge ($MAXI) is a high-octane meme coin with clear advantages for early buyers. The presale window gives early investors a front-row seat before the Doge-narrative pump cycle kicks in, allowing them to lock in their positions before the crowd piles on.
$MAXI, $DOGE’s caffeine-swilling, gym bro cousin, is a flex of pure meme energy – max leverage, max pump, max culture. This meme coin positions itself as the ‘final form’ of the meme family tree, with the potential for 1000x pumps.
$MAXI’s shredded image and viral gym-bro-degen culture act are also proving to be a community magnet, setting it on track to achieve cult-level status. With MemeFi timing aligning, this meme coin is poised to ride the wave.
As for $MAXI’s tokenomics, 25% of the total supply is reserved for growth and partnerships, giving the project serious firepower for listings, collabs, and liquidity plays. The Maxi Doge devs also hint at utility hooks tied to futures platform integrations and gamified tournaments.
Maxi Doge offers juicy staking yields and strong upside potential, making it one of the more promising plays of the year. Buy $MAXI today for $0.000259 and stake it for 135% APY. Our step-by-step guide explains how.
Visit the Maxi Doge presale website today to secure your $MAXI before the next price increase in just two days.
3. BNB ($BNB): From Trading Discounts to DeFi, Gaming, and Beyond
The consistently strong market performance of Binance Coin ($BNB) over the past seven days, driven by its robust ecosystem growth and deflationary token model, is attracting investors to the asset.
The BNB Chain has seen thriving development with more than 5K dApps rapidly expanding and a 19% quarter-on-quarter increase in on-chain transaction volumes, driving demand for the token.
Additionally, $BNB’s deflationary approach, with continuous token buybacks and burns, reduces its circulating supply, maintaining an upward price pressure. Furthermore, $BNB’s supply reduction (over 60M tokens burned so far in 2025), coupled with the coin’s growing utility within the Binance ecosystem, supports its sustained price appreciation.
Source: CoinMarketCap
$BNB is currently trading at around $1,023 and continues to maintain upside strength, making now a good time to invest in $BNB. Its 24-hour volume stands at around $4.B – representing 1.95% of the market cap – which reflects healthy liquidity, active trading, and price stability.
Buy your $BNB on Binance and other top exchanges, while $HYPER and $MAXI can be purchased from their official websites.
Source: https://bravenewcoin.com/partner/best-crypto-to-buy-y-combinator-coinbase-backed-startups