Private credit is one of the fastest-growing parts of global finance yet most people barely hear about it. In 2010, the market was worth about $300B. By 2023, it reached $1.5T. And by 2028, it’s expected to hit $3T. It is the market where institutions lend directly to real-world businesses instead of going through banks. The returns are steady, secured, and often outperform government or corporate bonds. Yet, less than 1% of that is onchain. But here’s the catch, access is usually locked behind high entry barriers, long onboarding processes, and accredited investor requirements. @goldfinch_fi is changing that. Through Goldfinch Prime, users can now access yields from top private credit funds onchain without needing millions or middlemen. It’s bringing the same opportunities that large institutions like PGIM, Apollo, and Ares enjoy to anyone with a wallet and an internet connection. The $3T private credit market is expanding fast. @goldfinch_fi is making sure the next wave of growth doesn’t leave regular investors behind.

To-do list for today: ↠Ignore the new algo. ↠Do replies. ↠Talk about @irys_xyz ↠Go the Gym ↠Eat. Rinse and repeat. Quote yours?

Most chains talk about scaling transactions. @EARNMrewards, powered by @arbitrum, is scaling people. Bringing on-chain engagement and rewards to over 50 million users through tools like SmartWallets and Mystery Boxes. Let’s talk about how it works ▼

➥ Final Takeaway EARNM’s Layer 2, powered by @arbitrum, is a step toward mainstream blockchain use. By combining Arbitrum’s scalability with EARNM’s reward-driven model... They are building a system that can serve tens of millions of people at once without slowing down or pricing users out. It is a glimpse into what the next phase of blockchain looks like: Fast, affordable, secure, and designed for real human activity

Here is what this changes: ◈ For developers: It shows they can build consumer apps on Arbitrum and scale without delays. ◈ For brands: It opens a new way to distribute rewards, loyalty points, or collectibles globally, on-chain. ◈ For users: It removes the complicated side of blockchain, they can just use, earn, and engage. This is the kind of infrastructure shift that brings Web3 from niche use cases to real-world scale.

➥ What This Means for Blockchain Adoption. The partnership between EARNM and @arbitrum is proof that blockchain can now support real consumer traffic, not just crypto traders. For years, most on-chain activity came from DeFi, trading bots, or NFT mints not from everyday users. But now, with EARNM’s setup on Arbitrum, people can engage directly with blockchain-based systems in ways that feel natural and instant.

➭ SmartWallets: These wallets make it easier for normal users to interact with blockchain without worrying about gas, private keys, or complex steps. Both of these use cases depend on @arbitrum’s low fees and high throughput.. Making them usable by millions, even users with no prior crypto knowledge. It’s the kind of setup that could finally bring blockchain into mainstream digital experiences.

➥ Real Use Cases Already Live EARNM is already running real-world activity. ➭ Mystery Boxes: These are on-chain reward boxes that can contain NFTs, tokens, or branded assets. They give users something to open, win, or reveal, kind of like digital collectibles tied to real rewards.

This gives EARNM users the flexibility to move assets or rewards across different networks without losing value or needing complex bridges. It also allows the team to expand EARNM’s reward programs beyond a single chain in the future. If they ever want to create sub-networks or brand-specific reward systems, Arbitrum’s Orbit framework already supports that.

3 ➞ Easy Movement Between Chains Another big advantage for EARNM is Arbitrum’s interoperability. It connects easily with other EVM-compatible networks like Polygon, Optimism, and even Layer 3 chains like ApeChain.

That means brands can run reward programs without worrying about network costs eating into their budgets, and users can engage freely without fees being a barrier. During the recent network activity spikes, Arbitrum’s new gas system also kept prices stable. Which means even under heavy demand, the experience stays consistent and predictable.

2 ➞ Low Fees for Users and Brands Blockchain adoption always slows down when users see high gas fees. For example, paying $3 just to claim a $1 reward makes no sense. With Arbitrum, EARNM can keep those costs negligible, fractions of a cent per transaction.

On Ethereum mainnet, this would be impossible due to congestion and high gas costs. But Arbitrum’s rollup design batches multiple transactions together before sending them to Ethereum. This makes it fast enough to handle thousands of interactions per second while keeping fees very low. So users get instant confirmations,,  no waiting, no failed transactions.

➥ How Arbitrum Strengthens EARNM’s Layer 2 1 ➞ Fast and Smooth Reward Claims Every time a user interacts, say, opens a Mystery Box or activates a SmartWallet, a blockchain transaction happens. For a platform targeting 50 million users, that’s a massive number of transactions daily.

Arbitrum also recently proposed a gas upgrade that allows higher capacity (up to 60 million gas per second over a 9-second period). That’s huge because it means the network can handle heavy spikes, like a sudden flood of people claiming rewards without crashing or delaying transactions. That upgrade gives EARNM the freedom to onboard massive traffic smoothly.

➥ Why Arbitrum? Arbitrum is built to process transactions off-chain (which makes it faster and cheaper) and then post them back to Ethereum for security. So, with Arbitrum, @EARNMrewards gets the speed of its own system and the security of Ethereum combined, without the high fees or slow confirmations.

But here is the problem: Running that at scale for 50 million users would completely choke Ethereum. That’s why EARNM needed a faster, cheaper, and more flexible infrastructure. And that’s where Abitrum comes in.

➥ What EARNM’s Layer 2 Is All About EARNM’s goal is to make on-chain participation easy, fast, and rewarding. It is a blockchain-powered rewards layer where users earn points or tokens for doing certain actions (claiming rewards, opening boxes, activating wallets, or completing engagement tasks).

Proof of @irys_xyz card. Mainnet is coming, are u ready fam?