According to @jessepollak, the crypto landscape is seeing significant infrastructure development alongside critical warnings from industry leaders. A new TON-based money market protocol, Affluent, aims to transform Telegram into a DeFi 'super app' by offering lending and yield strategies through a mini app, as stated in an announcement. In a significant development for Bitcoin (BTC), the EVM-compatible Layer-2 network Botanix has launched its mainnet, promising to reduce block times to five seconds and enable Ethereum dApps on the Bitcoin ecosystem. Similarly, Ripple has officially launched the XRP Ledger's (XRPL) EVM sidechain on mainnet, allowing developers to deploy Ethereum-based applications using XRP as the native gas token. These developments come as Ethereum (ETH) co-founder Vitalik Buterin issued a stark warning at EthCC, arguing that the ecosystem is at risk if decentralization remains a mere catchphrase and projects fail security tests against insider attacks and centralization. Furthering institutional involvement, Robinhood (HOOD) is building its own Layer-2 network on Arbitrum for tokenized assets, and Deutsche Bank (DB) plans to launch a crypto custody service.