With the crypto market poised for a strong rally in November and December, investors are looking for top altcoins that could yield significant returns. This shift has spotlighted HyperLiquid (HYPE) and ZCash (ZEC).
Interestingly, investors are pivoting to PayDax Protocol, a new ecosystem that is bringing a robust peer-to-peer lending service. PayDax’s ongoing ICO has raised over $1.3 million despite being in the earliest phase of its presale. Here’s why investors say PayDax could outshine top altcoins like HyperLiquid and ZCash.
ZEC’s Resurgence Signals Renewed Interest in Privacy Coins
Zcash (ZEC) has roared back into relevance despite weeks of extra bullish trading, caused by Bitcoin’s recent dip to the $103k mark. This affected the bullish momentum of several cryptocurrencies, including ZCash.
As of this writing, ZEC was trading at $241.52 following a 2.52% rally over the past week. The ZEC 30-day price charts also show an increase of over 390%.
Still, while ZEC’s recent rally is impressive, some investors remain cautious. The project’s limited DeFi integrations and aging technology may not offer as high an upside when compared to decentralized finance platforms.
As traders lock in profits, many are scanning for emerging top altcoins that blend privacy, yield, and practical use. One of the strongest names cropping up is PayDax Protocol.
HyperLiquid To Surge in the Next Bull Market
HyperLiquid has become a viral hit in recent weeks, as the token now tops many investor wishlists. Now at $39.03, Hyperliquid is down by 19.2% over the past 30 days. However, its 7-day price charts are more bullish, showing a modest 3.25% rally.
Much of HYPE’s growth has come from its community engagement model, which rewards user activity and referral staking. Additionally, demand for its perpetual futures trading service has shot up in recent days.
Despite the recent market correction, HyperLiquid is still expected to merge as one of the top performers in 2025. Still, one token that could reduce momentum is PayDax Protocol, a balanced, utility-driven alternative among 2025’s top altcoins.
PayDax Protocol: The Rising DeFi Powerhouse Among Top Altcoins
Unlike HYPE’s meme-centric appeal or ZEC’s privacy niche, PayDax Protocol (PDP) is positioning itself at the heart of decentralized banking innovation. The project aims to make real-world financial services accessible through blockchain-powered peer-to-peer lending and borrowing.
PayDax’s core offering allows users to secure loans with loan-to-value ratios up to 97%, backed by both crypto assets and tokenized real-world collateral. Borrowers gain instant liquidity, while lenders earn passive income, all without relying on centralized intermediaries. This combination of accessibility and transparency makes PayDax one of the most promising altcoins entering Q4 2025.
Multiple Earning Channels for Long-Term Holders
PayDax’s DeFi ecosystem isn’t built on speculation. Rather, it’s structured to create consistent, protocol-driven yields.
Lenders can earn up to 15.2% APY on supplied capital. Redemption Pool stakers receive up to 20% APY while providing insurance for loan defaults. Standard staking delivers 6% APY, while yield farming options reach 41% APY.
Because all earnings derive from on-chain lending activity, users aren’t exposed to inflationary reward models. This gives PDP holders reliable yield potential even during market corrections, a major reason why PayDax is being called one of the top altcoins to hold for income-driven investors.
How PayDax is Building Credibility Through Partnerships and Security Audits
One of PayDax’s standout qualities is its institutional-level transparency. The project collaborates with Sotheby’s and Brink for asset custody and verification, ensuring strong collateral security. Integration with Chainlink oracles guarantees real-time price feeds, while a completed DeFi Assure audit certifies protocol safety.
The PayDax team, fully doxxed and active through regular AMAs, has established a trustworthy public image, a rarity in early-stage DeFi projects. These credibility markers are helping PayDax attract a steady stream of presale investors.
PayDax Presale Momentum Grows as Investors Seek the Next Big DeFi Hit
Currently in stage one of its presale, PayDax has raised over $1.3 million, with PDP tokens priced at $0.015. Stage two will increase the price to $0.017, offering early backers a 13% value boost.
Market watchers predict PDP could experience a major rally post-launch, fueled by its blend of real-world asset utility and DeFi yield mechanics. With both HYPE and ZEC showing impressive yet limited growth potential, PayDax’s combination of transparency, income, and liquidity solutions makes it a compelling frontrunner among Q4 2025’s top altcoins.