📉 Cryptocurrency market in anticipation of change: Ripple (XRP) and Cosmos (ATOM) investors pay attention to the new decentralized lending protocol Kelexo (KLXO).

- Ripple is trading sideways, the SEC insists on a $2 billion fine for Ripple Labs and a ban on the sale of tokens to institutions.

- DeFi activity on Cosmos is increasing, with Osmosis (OSMO) becoming one of the most actively developing protocols.

- Kelexo is preparing for growth by offering a P2P lending marketplace to a wide audience without complex procedures or high fees.