Auto lending isn’t getting any easier for credit unions. 🚗 New data from TruStage shows credit union new auto loan balances have been shrinking since 2023, while about 30% of borrowers are underwater on their vehicle loans, carrying an average of $7,200 in negative equity. High prices, elevated rates, and affordability challenges continue to reshape the market. #CreditUnions #AutoLending #Banking #Finance #CarLoans #Economy #Fintech #ConsumerFinance #Lending #AutoIndustry bit.ly/4giVSZD

Credit expansion within the overall U.S. economy is shaping how auto loan vintages perform, with expected losses continuing to rise across challenged cohorts. #autofinance #autolending #subprime hubs.la/Q04l8cym0

🚦See why GrooveCar Direct is your green light to funding more auto loans and schedule your demo today: ow.ly/MGGP50Z3r25 #AutoLending #CreditUnionLending #LoanGrowth #GrooveCarDirect

Auto delinquencies are rising. Is your dealer scorecard enough? Our new blog reveals why traditional reports fail & how to shift to predictive dealer risk analytics. Read: hubs.ly/Q04kBhfv0 #AutoLending #AI #dotData

In a recent @Automotive_News podcast, PayNearMe's @stevegkramer explains why auto lenders should borrow a few lessons from e-commerce to reduce payment abandonment and combat rising delinquency rates. Tune in to hear the discussion: na2.hubs.ly/H061FbK0 #autolending

Longer-term loans have appeared for years in ABS deals, but financiers are including a larger portion of them in collateral pools, albeit with safeguards, as more lenders expand their maximum allowed term. hubs.la/Q04kKH4K0 #autofinance #autolending #autoabs #autoloans

Oct 2025: Auto delinquencies hit record highs. 🚨 Is your risk model seeing drift, or just the average? Generic AI misses signals that drive ROA. Signal Intelligence solves: 📍 Portfolio Drift 📍 Fair Lending 📍 Model Decay hubs.ly/Q04kzK560 #FinTech #AutoLending

Real claims. Real members. $0 out of pocket. Three CU Certified stories that show exactly what VSC coverage is supposed to do, and what credit unions stand to lose when the program isn't built right. 🔗focusone.com/real-stories-ho… #CreditUnion #VSC #CUCertified #AutoLending #FocusOne

In @Automotive_News, PayNearMe's @stevegkramer explains why auto lenders should borrow a page from the e-commerce playbook to recover more payments, reduce delinquency and keep borrowers in self-service channels. Read more: na2.hubs.ly/H05_gWp0 #autolending #payments

We're excited to be part of @NYCUAtweets EXCEL 26 Annual Meeting & Convention! Stop by Booth # 69 to meet Christine Forsythe, our Senior Account Executive. 📅 June 11th, 6pm - 8:30pm & June 12th, 7:30am - 10am 📍 Saratoga Hilton #EXCEL26 #AutoLending #LoanGrowth #CreditUnions

Come see us at Auto Finance Summit East in Nashville (booth 506) to learn how Jumio helps ensure that your customers start their car ownership journey with the best possible financing experience. jumio.com/events/ #IdentityIntelligence #AutoFinance #AutoLending

Today at #GAC2026, Origence hosted an intimate luncheon with industry leaders to discuss what’s next in #CreditUnion lending. We covered #MarketTrends, #AutoLending, #EmbeddedLending, network enhancements, and more. Thanks for joining!

Happy @Backpack points day! Not trading at all, just autolending my stables this season so far. Job is done on my side and now we wait. Many things to come for 🎒.

✨ BACKPACK FRIDAY Points for another week have been distributed! Right now we’ve completed 32 out of 40 weeks. We’re on the home stretch. I like that competition has dropped off (see screenshot). In Season 3 we were farming volume against 4B competitive daily volume, while now the average is just a bit over 1B. So basically we’re getting a 4x boost on points 😂 Okay, that’s not exactly how calculations work, but who cares. The fact is, earning points has become easier. ❓ What’s next I’m pushing the idea through. Playing the bet until the end. I don’t care what anyone says. Everyone operates based on their own bet, their own conviction. Any experienced crypto degen can take a situation, play it from two sides, and win their own way. - “Polymarket gives a low valuation” - there’s no volume there, so it’s not a valid metric. - “No killer features?” - I say: autolending, crypto cards, design upgrades, and other news that will be announced soon. - “No one uses the exchange?” - I do, and so do many of my friends. And does anyone use your DEXes? That doesn’t stop them from having 8B FDV. - “The season is too long…” Too long? How long is too long? One year? How long was Magic Eden’s season? How long was Hyperliquid’s? Drift’s was even shorter than Hyperliquid’s. So what? At the end of the day, every project is a personal bet each crypto trader makes based on their own observations. But the problem is that many people make these bets based on hype, not on their own reasoning. Disagree? Remember Aster’s volumes near the end of Season 2. If you’re such a brilliant analyst, where exactly did you slip there? 👀 What I pay attention to: - Team loyalty - Project profitability - Post-airdrop prospects - Actual usability As of now, @opensea and @Backpack are the top 2 products on the market for earning airdrops and for long-term growth. Don’t agree? Drop better projects in the comments and back it up with facts, not empty words. P.S. And in spring I’ll be writing “GG WP” to you (go ahead, screenshot this) P.P.S. @Polymarket is also top tier, but it’s very complex and unclear. The airdrop will be huge, but it’s very possible the distribution will look like a MONAD-style allocation.

🧵 Perps: sin prisa pero sin pausa, actualización de estrategia de farmeo Hoy os traigo una actualización completa sobre cómo llevo mis estrategias de farmeo de DEX de Perpetuals, una de las áreas donde más centrado estoy ahora mismo. Aparte de algunos proyectos que estoy testeando (y que os traeré en breves), sigo farmeando con estrategias delta neutral (DN) los mismos 6 DEXes que os compartí en su día en el post fijado del canal. La razón de esta actualización es simple: desde el crash del 10 de octubre, he notado una mejora clara en la repartición de puntos. Mucha gente se ha salido, la competencia ha bajado y eso significa que tocan más puntos para los que seguimos dentro. Por eso el título: sin prisa, pero sin pausa. Este es un buen momento para seguir farmeando con cabeza. - 🌊 Pacifica 🔗 app.pacifica.fi/?referral=co… Uno de mis favoritos. Sigo metiendo toda la carne en el asador por lo early que está, porque aún necesitas invitación o referral para entrar y porque los puntos siguen valiendo la pena. Es cierto que ya no se gana como las primeras semanas, pero sigue siendo una gran oportunidad. El equipo es top y el desarrollo muy sólido. Personalmente creo que el precio por punto de este DEX va a sorprender, y bastante. Hasta ahí puedo leer 😉 - 💼 Backpack Exchange 🔗 backpack.exchange/signup?cod… Si no te importa pasar KYC, esta es una de las mejores oportunidades ahora mismo. Cada vez sube más la probabilidad de puntos y además reparten airdrops de los tokens que lanzan en su CEX según tu nivel. También tienen el autolending, con el que generas APY con tu collateral cuando no estás tradeando. Y la noticia más reciente: van a ser el primer exchange cripto en listar acciones reales. Si esto les sale bien, podrían convertirse en un CEX de referencia, y si lanzan su token (que todo apunta a que sí)… ya sabemos cómo se comportan los tokens de los CEX cuando despegan. Mira BNB. - 🧠 Based 🔗 app.based.one/register?ref=C… Ya lo expliqué en su momento: Based es un frontend de Hyperliquid, y eso por sí solo ya lo convierte en una apuesta casi obligada. Farmear aquí significa farmear dos cosas a la vez: 👉 los puntos de Based 👉 y el posible segundo airdrop de Hyperliquid Un win-win en toda regla. Además, ya van por la Season 2 y han añadido un sistema de recompensas por boxes bastante interesante. Incluso han hecho airdrops de tokens pequeños en el camino. Para mí, indispensable en cualquier estrategia DN. - ⚙️ Aster 🔗 asterdex.com/en/futures/v1/B… Tras la repartición del Stage 2 y la caída del token (en línea con la corrección del mercado), la Stage 3 está mucho menos farmeada. Aunque reparten menos tokens y dura más tiempo, al haber menos competencia puede ser muy rentable. Y si repiten el formato del Stage 2, permitiendo recuperar las fees gastadas, entonces no hay prácticamente riesgo si haces bien tu estrategia DN. Una opción más tranquila, pero con sentido. - 🧩 Extended 🔗 app.extended.exchange/join/C… Extended sigue sumando puntos sin hacer mucho ruido. No hay grandes novedades, pero el proyecto sigue vivo, estable y acumulando puntos. A veces los proyectos más silenciosos son los que más sorprenden al final. Yo sigo posicionado, sin prisa. - 🕯️ Lighter 🔗 app.lighter.xyz/ Ya ha pasado a mainet publica , así que cualquiera puede entrar sin código de invitación. Han añadido la opción de pagar comisiones en los trades y, atención, si pagas las fees ganas más puntos. Esto abre la puerta a estrategias DN usando otros DEX mientras generas puntos aquí. Y con precios OTC de puntos por encima de 50 $, no lo veo nada descabellado seguir acumulando. - ⚖️ Estrategia Mi base sigue siendo el Delta Neutral, pero combino dos enfoques: 1.Si hay buenas oportunidades en funding fees, monto DN clásico y lo mantengo. 2.Si no las hay, genero volumen aprovechando los gaps de precio entre exchanges en pares como BTC, con apalancamiento controlado. Esta segunda opción implica más gasto en fees, pero el objetivo es claro: acumular puntos y maximizar el valor de los futuros airdrops. - 💬 Conclusión Si te ha servido esta info, dale me gusta, guarda el post o compártelo para que llegue a más gente. Y si te registras con mis enlaces de referido, me ayudas muchísimo a seguir trayendo contenido y estrategias al canal. Puedes dejar tus propios links en los comentarios para que todo el mundo elija el suyo, y cuéntame: ¿tú también estás farmeando estos DEXes? ¿cuál te está funcionando mejor?

The 25th Annual Auto Finance Summit kicks off next week! We're excited for a jam-packed couple of days bringing together industry leaders across the #autolending industry. If you're attending, Matt and Tim would love to connect! #AFS2025 #AutoFinanceSummit #AutoFinance #Fintech

Backpack Season 3 Backpack has confirmed there will be 4 seasons instead of 2–3. Many worry about point dilution and lower value, but this actually extends the game and helps the project generate real revenue instead of “launch token → cash out → disappear.” •Record volume: $1.7 B daily trading → around $3 M weekly fees (not counting other streams). •Global expansion: Europe is live, with the U.S. and Japan coming next. •New features: Autolending and continuous partner airdrops (Switch is just the start). @Backpack isn’t greedy; it shares rewards with traders through partner drops, keeping farming incentives strong. Likely upcoming partners include @0G_labs and @monad Rumors: The first airdrop may distribute 30% of total supply and list exclusively on Backpack Exchange. If daily trading volume stabilizes at $2 B before farming ends, the drop’s value could be massive. One of the rare projects offering both big airdrop potential and long-term growth. Farming is your choice—but this clearly isn’t a short-term play. Backpack on top! 🎒

👑 BACKPACK SEASON 3 Some thoughts on what’s happening right now and where we’re heading. A lot of people were upset hearing there’ll be 4 seasons instead of 2–3. Makes sense — points get diluted, and their “value” looks 30–50% cheaper. But is it really that bad? Most projects exist to make money. Building a working business model isn’t easy. Ask yourself: Would you rather get a drop from a project that’s top of the market with real revenue, or from one that’s cash-out mode, where the token launch = finish line? You get the point. ℹ️ Now, let’s look at the bigger picture: - Yesterday hit a new record: $1.7B daily volume (≈$510K fees @0.03% avg — or ~$3M weekly). Not counting liqs/other streams. - Europe officially open — onboarding new users fast. - US Japan in the pipeline. - Constant platform upgrades. - Autolending coming as a killer feature. - Ongoing partner drops for traders. Switch is just the start ( you want a story of 50K points $10K PNL ? will tell you shortly). @Backpack doesn’t act greedy. It keeps motivating trading through partner rewards. I’m more than confident 0G and MONAD are next. Personally, I don’t see another project with better long-term drop growth potential. It’s too early for final decisions, but this is one of the rare drops I’d seriously consider holding for multipliers. Comparisons to DEXs are nonsense — it’s easy to show inflated metrics when you don’t charge fees or take KYC. 🔥 Rumors: first drop could allocate 30% of supply list exclusively on their own exchange (Hyperliquid style). If true, $1 per point is pure FUD. Predictions of FDV at $500M on launch is just not understanding the scale here. My take: if Backpack can hit stable $2B daily volume by the end of farming — we win. Life-changing. Not financial advice, just my thoughts. Everyone makes their own bets. 👉 Farming or skipping? Backpack link – backpack.exchange/refer/kit

🚗💥 ESG darling Tricolor just ran out of gas—Chapter 7 bankruptcy, ~$1.4 B of used-car ABS now in limbo, and JPMorgan & Fifth Third each staring down a ~$200 M hit. When ‘social bonds’ go south, even the nicest CDFI badge can’t save you. barrons.com/articles/tricolo… #ESG #AutoLending #ABS #Bankruptcy #Auto #Carloan #riskmanagement $

linkedin.com/pulse/fraud-cos… #AutoLending #FraudPrevention #ArtificialIntelligence