Smart Contracts in VSTA Payments
Update VSTA, Update Token $VSTA
October 16, 2025
4

Smart Contracts in VSTA Payments – Revolutionizing DeFi Trading

Smart Contracts in VSTA Payments are pre-programmed codes deployed on the Arbitrum blockchain. Their purpose is to automate the entire process of transactions and payments within the Vesta Finance (VSTA) ecosystem. So, can Vesta Finance’s smart contracts truly revolutionize the DeFi system? Let’s explore the detailed article below from VSTA to find out more.

Overview of Vesta Finance (VSTA) and Smart Contracts

To understand how Smart Contracts in VSTA Payments work, it’s important to first know what VSTA and Smart Contracts are.

What is Vesta Finance (VSTA)?

Vesta Finance (VSTA) is a decentralized finance (DeFi) protocol operating on Arbitrum, Ethereum’s Layer 2 network. The platform allows users to borrow the stablecoin VST by collateralizing crypto assets (ETH, GMX, ARB, etc.). At the same time, users can provide liquidity to earn rewards from trading fees and staking — all while benefiting from Arbitrum’s low costs and fast transaction speeds.

What makes Vesta Finance (VSTA) unique is its ecosystem built around the stablecoin VST, which is maintained close to 1 USD. This reduces volatility risks for investors and expands trading opportunities.

What are Smart Contracts in VSTA Payments?

Smart Contracts are pieces of code programmed on the blockchain that automatically execute transactions once predefined conditions are met. Users transact directly with each other on the blockchain, with all terms and outcomes publicly visible and immutable. Transactions only occur when the programmed logic is satisfied.

VSTA applies smart contracts in payments because all activities — borrowing and repaying VST, distributing staking rewards, or swapping tokens — are automated. Thanks to Arbitrum, gas fees are significantly lower than on Ethereum mainnet. Every transaction is recorded directly on the blockchain and cannot be altered. This eliminates third-party risks and allows the community to easily verify all activities.

What are Smart Contracts in VSTA Payments
What are Smart Contracts in VSTA Payments

3 Operating Mechanisms of Smart Contracts in VSTA Payments

Automating Borrowing and Repayment with VST

In Vesta Finance, users can collateralize assets such as ETH or ARB to borrow the stablecoin VST. This entire process is managed by smart contracts. When users deposit collateral, the contract verifies the asset’s value and issues the corresponding amount of VST. Upon repayment, the contract automatically releases the collateral back to the user’s wallet. As a result, every step is executed automatically, quickly, and without intermediaries.

Managing Liquidity and Staking through Smart Contracts

Beyond borrowing and repayment, smart contracts also play a crucial role in liquidity management and staking. When users provide liquidity to pools like VST/ETH or VST/USDC, the contract records the deposited tokens and calculates rewards.

Similarly, when staking VSTA to earn returns, the smart contract automatically distributes rewards based on each user’s contribution. This ensures the system operates smoothly, fairly, and continuously – without human intervention.

Managing Liquidity and Staking through Smart Contracts
Managing Liquidity and Staking through Smart Contracts

Ensuring Transparency, Decentralization, and Security

A major strength of Smart Contracts in VSTA Payments is transparency and security. All borrowing, repayment, and staking transactions are recorded on the Arbitrum blockchain and cannot be altered. Users can directly verify all information, ensuring openness and trust.

More importantly, since the contracts run automatically without being controlled by any central organization, the system maintains decentralization while minimizing risks of fraud or manipulation.

Pros and Cons of Using Smart Contracts in VSTA Payments

Key Advantages of Smart Contracts in VSTA Payments

  • Automation and Cost Efficiency: Borrowing, repayment, staking, and liquidity transactions are all handled automatically by smart contracts. Running on Arbitrum significantly reduces gas fees compared to the Ethereum mainnet.
  • Transaction Transparency: Every transaction is recorded on the blockchain and publicly verifiable by the community. With no reliance on banks or intermediaries, the risk of manipulation is reduced.
  • Fast Processing Speed: Transactions are executed within seconds without manual approval. Users only need a crypto wallet to participate — no complex paperwork required.
  • High Security Assurance: Smart contracts operate based on pre-programmed logic, making unauthorized tampering difficult. Assets are managed directly on the blockchain, without depending on custodians.
Key Advantages of Smart Contracts in VSTA Payments
Key Advantages of Smart Contracts in VSTA Payments

Disadvantages

Despite these notable advantages, using Smart Contracts in VSTA Payments also comes with some limitations:

  • Programming Risk: If a smart contract contains bugs or vulnerabilities, hackers could exploit them and cause user losses. Once deployed, contracts are often immutable, making errors difficult to fix.
  • Steep Learning Curve for Newcomers: Beginners in DeFi may find it complex to use wallets, liquidity pools, or staking. Even minor mistakes — like entering the wrong wallet address or sending the wrong token — can result in permanent asset loss.
  • Dependency on the Arbitrum Ecosystem: Low fees are enabled by Arbitrum Layer 2. If the network experiences issues or congestion, VSTA transactions will also be affected.
  • Lack of Legal Protection: As a decentralized system, users have limited recourse under the law in cases of disputes or asset losses.

Applications of Smart Contracts in VSTA Payments

Paying Fees for Stablecoin VST Loans

One of the most important applications of Smart Contracts in VSTA Payments is managing stablecoin VST loans. When users collateralize assets such as ETH, ARB, or GMX to borrow VST, the smart contract automatically records the debt, calculates maintenance fees, and processes repayment once users settle their loans.

Swapping VSTA/VST Tokens on DEXs

Smart contracts are also used to execute token swap transactions between VSTA, VST, and other assets on decentralized exchanges (DEXs) like Balancer or Uniswap. When a user places a swap order, the contract automatically matches the trade and transfers tokens between wallets at the exact exchange rate at that moment.

Swapping VSTA/VST Tokens
Swapping VSTA/VST Tokens

Cross-Payments with DeFi Wallets and Other Platforms

Beyond the internal ecosystem, VSTA’s smart contracts also enable cross-payment integration with DeFi wallets and other platforms. For example, users can use VST to pay for services on Web3 applications or quickly convert it into other stablecoins like USDC/USDT for trading.

Comparison of Smart Contracts in VSTA Payments with MakerDAO and Aave

CriteriaVSTA (Vesta Finance)MakerDAO (DAI)Aave
Primary StablecoinVST (pegged close to 1 USD)DAI (USD-pegged)No native stablecoin, supports multiple assets
Deployment PlatformArbitrum (Ethereum Layer 2)Ethereum mainnetEthereum, Polygon, Optimism, Arbitrum…
Borrowing & RepaymentSmart contracts automate borrowing VST with collateral, low feesBorrow DAI with ETH/USDC collateral, higher fees due to Ethereum gasBorrow/lend multiple assets, smart contracts calculate flexible interest rates
LiquidityConcentrated in VST/ETH and VST/USDC poolsDAI liquidity spread across multiple DEXsLiquidity relies on lending pools, depends on user deposits
Transaction CostsVery low (thanks to Arbitrum)High (Ethereum mainnet)Moderate (depends on chain, lower on L2)
Payment ApplicationsFocused on loan repayment, VSTA/VST swapsMainly borrowing DAI, limited direct payment useLending/borrowing assets, not optimized for stablecoin payments
TransparencyHigh – all transactions visible on ArbitrumHigh – but dependent on EthereumHigh – multi-chain contracts, easily verifiable

The Future of Smart Contracts in VSTA Payments (2026)

In the future, Smart Contracts in VSTA Payments may:

  • Expand listings across major DEXs and CEXs, boosting liquidity and global recognition.
  • Develop new DeFi products based on smart contracts, such as recurring payment services, complex financial contracts, or decentralized insurance.
  • Attract a broader developer community to build applications around VST, turning it into a widely adopted stablecoin within DeFi.

Conclusion

Smart contracts in VSTA Payments can be seen as an automated bank on the Arbitrum blockchain. They enable borrowing, repayment, liquidity provision, and token swaps without intermediaries, ensuring transparency, security, and cost efficiency. Hopefully, the information provided above helps address your concerns when investing in VSTA.

Vesta Finance API
Update Token $VSTA, Update VSTA
September 24, 2025
1

Vesta Finance API: A Guide for Developers and E-Commerce Businesses

The Vesta Finance API enables seamless integration of payments and DeFi functionalities. Such as transactions, deposits/withdrawals and on-chain data – into websites or apps. Its main advantages are low fees, high speed and easy scalability, making it ideal for developers and e-commerce businesses looking to adopt blockchain-based financial services. Please refer to the following VSTA article to learn how to integrate quickly.

What is the Vesta Finance API?

The Vesta Finance API is an Application Programming Interface provided by the Vesta Finance platform. It allows developers and businesses to directly connect with VSTA’s decentralized finance (DeFi) services. In simple terms, it acts as a technical bridge to quickly integrate Vesta’s core functions into applications, websites, or e-commerce systems.

Key Features of the Vesta Finance API:

  • Payment transactions: Create, confirm, and refund payments with crypto.
  • Wallet and balance management: Deposit/withdraw, check balances, and generate payment addresses.
  • On-chain data access: Retrieve market data and near real-time transaction status.
  • Operational optimization: Supports batching multiple transactions, high-speed Layer-2 scaling, and off-chain order matching.
  • Developer-friendly tools: REST API, SDKs, Webhooks, and Idempotency Keys for easy deployment and duplicate-prevention.
What is the Vesta Finance API
What is the Vesta Finance API

Benefits of Choosing the Vesta Finance (VSTA) API for Developers and E-commerce Businesses

For Developers

  • The Vesta Finance API minimizes boilerplate, making it faster for teams to onboard and implement. Clear endpoint structures, sample code, and transparent documentation shorten the time needed to integrate with existing backends, web apps, or mobile apps.
  • By leveraging batching and Layer-2 scaling, the API can handle a large number of transactions simultaneously at low cost. This optimized architecture ensures stable performance during peak hours and seamless scalability as demand grows.
  • With webhooks, callbacks, and idempotency keys, the API allows developers to monitor transaction status in near real-time while avoiding duplicate orders. Standardized logging and event mechanisms make debugging easier and improve overall system reliability.

For E-commerce Businesses

  • Thanks to batching and L2, the Vesta Finance API significantly reduces operational costs and shortens confirmation times. This improves checkout conversion rates and minimizes cart abandonment by delivering a smoother payment experience.
  • The API supports payments from customers worldwide without relying on traditional gateways. Businesses can easily expand into international markets, accept crypto or stablecoins, and flexibly configure which assets to support.
  • With webhook support, payment statuses can sync directly into OMS/ERP systems in real time, automatically triggering refund or exchange workflows. This reduces manual processes, increases accuracy, and speeds up after-sales operations.
  • On-chain transactions through the Vesta Finance API limit disputes and fraud common in traditional payment channels. Businesses gain clear proof of transactions, strengthening trust and lowering dispute-handling costs.
Benefits of choosing Vesta Finance API
Benefits of choosing Vesta Finance API

Guide for Developers and E-commerce Businesses

Step 1: Register & Obtain API Keys

Create a developer or business account. Retrieve your Public Key/Secret Key for both Sandbox and Production environments. Define permission scopes and enable 2FA on the dashboard.

Step 2: Configure Environment

Set environment variables: VSTA_API_KEY, VSTA_WEBHOOK_SECRET. Open firewall access for webhook endpoints (HTTPS, TLS 1.2+). If your internal system follows PCI-like standards, use a secret manager to isolate sensitive keys.

Step 3: Create a Payment Intent (Order)

  • API: POST /payments/intents
  • Input: amount, currency, order_id, customer_id, return_url, metadata
  • Output: payment_intent_id, pay_address (or payment URL/QR), expires_at

Step 4: Receive Funds & Verify

  • Users scan the QR code or transfer funds to the pay_address.
  • API: GET /payments/{payment_intent_id}/status for polling, or wait for a webhook at /webhooks/payment.
  • Implement idempotent handling on your side to ensure each order is updated only once.

Step 5: Process Refunds (if needed)

  • API: POST /payments/{id}/refunds
  • Batch refunds are also supported (POST /refunds/batch) to save on fees.

Step 6: Move to Production

  • Run integration tests: successful/failed orders, network timeouts, double-submits.
  • Enable alerts (Slack/Email) when error rates rise, webhook delivery fails, or latency exceeds thresholds.

Important Note: These steps are for illustration only and may not fully apply to all systems. Developers and e-commerce businesses should collaborate closely with their IT teams when implementing the VSTA API to ensure accuracy and security.

Guide for Developers and E-commerce Businesses
Guide for Developers and E-commerce Businesses

Comparing Vesta Finance API with Uniswap-like API and Aave/Compound API

CriteriaAPI Vesta FinanceUniswap-like APIAave/Compound API
Primary GoalPayments, eCommerce transaction handlingToken swapsLending/Borrowing
Fee OptimizationBatching + L2 + SC tối ưuDependent on routing / DEX feeDependent on liquidity pool
UX LatencyLow (off-chain order matching)MediumMedium
Webhook/IdempotencyYes, eCommerce-friendlyLimitedAvailable but DeFi-native
Checkout IntegrationHigh — designed for eCommerce useRequires middleware layerRequires middleware layerC 

FAQs

Which chains does the VSTA API support?

It depends on the specific deployment. We recommend testing with testnet first to determine the most suitable chain/layer for cost and UX before moving to mainnet.

Can I price in fiat but settle in crypto?

Yes. You can set the amount in fiat at the frontend, then convert it to the chosen payment token at the backend, or use the API’s quote endpoint before creating the payment intent.

What happens if the user sends the wrong amount (under/over payment)?

You can configure tolerance levels (e.g., ±1%) and implement an under/overpayment handling mechanism in your backend. The webhook will notify the transaction status so you can decide whether to finalize or refund.

Are there risks with batch refunds?

Internal permissions and approval workflows should be carefully managed, since one transaction can impact multiple orders. Logging and dual-approval are strongly recommended.

Conclusion

The Vesta Finance API provides a powerful payment and DeFi infrastructure optimized for e-commerce: low fees, high speed, easy integration, and scalable operations powered by Optimized Smart Contracts, Batching, Layer-2 scaling, and Off-chain Matching.

For developers and e-commerce businesses, the best practice is to start with the Sandbox environment, set up webhook connections, and implement idempotency before going live. With the right setup, the VSTA API can help streamline payments and unlock new opportunities for growth and profitability.

VSTA transaction processing mechanism
Update VSTA, Update VSTA Payment Platform
September 24, 2025
1

10,000 TPS VSTA transaction processing mechanism – Marketing or reality?

Vesta Finance is part of the DeFi ecosystem, providing users with the ability to participate in financial markets without relying on traditional financial institutions. For those exploring how to get involved with Vesta Finance, understanding the VSTA transaction processing mechanism is crucial to optimizing returns and minimizing risks. Check out the article below from VSTA for more details.

VSTA Transaction Processing Mechanism

The transaction mechanism of VSTA is designed around its decentralized stablecoin, VST. Users can mint, redeem, trade, and participate in collateral liquidations directly through smart contracts. A key highlight is that VSTA leverages Arbitrum Layer 2, which significantly reduces gas fees and improves transaction speed.

VSTA transaction mechanism in Collateralization and Issuance

Users deposit collateral assets such as ETH into the Vault and receive stablecoin VST according to a safe collateralization ratio. This is the first step in the VSTA transaction mechanism, ensuring that VST is always backed by real assets. The entire process is executed on-chain, making it transparent and independent of any third party.

VSTA transaction processing mechanism in Swapping and Using Stablecoins

After issuing VST, users are free to swap it on AMMs such as Curve or Uniswap. The VSTA transaction mechanism is supported by an oracle system (Chainlink), which updates asset prices in real time. At the same time, the protocol applies a batching transactions method to optimize costs and increase throughput.

Swapping and Using Stablecoins
Swapping and Using Stablecoins

VSTA transaction processing mechanism in Asset Liquidation

When the value of collateral falls below the safe threshold, the smart contract automatically triggers the liquidation mechanism. Liquidators can purchase collateral assets at a discount to repay VST. This is considered a crucial part of the VSTA transaction mechanism, as it ensures the overall system’s safety and maintains the stability of the VST stablecoin.

VSTA transaction mechanism in Maintaining Stablecoin Stability

VST is kept pegged at 1 USD through an arbitrage mechanism. If the price of VST rises above 1 USD, users can mint more and sell it to restore balance. Conversely, if VST falls below 1 USD, they can buy it to repay Vault debt. This creates a self-correcting loop in the VSTA transaction mechanism, maintaining investor confidence in the stablecoin’s value.

Benefits of Understanding the VSTA Transaction Processing Mechanism

Better knowledge of the VST stablecoin: By understanding the VSTA transaction processing mechanism, investors will know how VST is minted, circulated, and maintained at its 1 USD peg. This allows them to develop effective strategies for using the stablecoin — from borrowing and repaying debt to trading on AMMs.

Identifying stability and risks: The VSTA transaction processing mechanism reveals how the system operates when collateral value drops. By knowing the liquidation and peg-balancing process, investors can anticipate risks and take preventive actions, instead of relying solely on project marketing claims.

Benefits of Understanding the VSTA Transaction Processing Mechanism
Benefits of Understanding the VSTA Transaction Processing Mechanism

Leveraging transaction speed: Thanks to its deployment on Arbitrum Layer 2, the Vesta Finance transaction processing mechanism is optimized with low costs and high speed. Users can take advantage of this in arbitrage strategies or high-frequency trading.

Making smarter investment decisions: Understanding the VSTA transaction processing mechanism helps investors avoid being swayed by marketing numbers such as “10,000 TPS.” Instead, they can rely on real data for evaluation, building more sustainable and lower-risk investment strategies.

10,000 TPS VSTA Transaction Processing Mechanism – Marketing or Reality?

The claim of a 10,000 TPS Vesta Finance transaction processing mechanism is more marketing than reality. VSTA (Vesta Finance) is a multi-asset lending protocol on Arbitrum with its governance token and the decentralized stablecoin VST. The truth is that TPS capacity is determined by Arbitrum, not by Vesta Finance itself. From this perspective, the 10,000 TPS figure is more of a theoretical assumption rather than a proven benchmark.

For investors, the key takeaway is not to rely on marketing slogans but instead to analyze the protocol through practical mechanisms and real-world data. Otherwise, they may face unnecessary risks, such as:

  • Insufficient VST liquidity: A shallow liquidity pool may cause the peg to lose balance.
  • Smart contract risks: Errors in batching or off-chain processing could affect the entire transaction system.
  • High speed without broad adoption: Even with fast transactions, lack of widespread adoption will not guarantee success.
10,000 TPS VSTA Transaction Processing Mechanism – Marketing or Reality
10,000 TPS VSTA Transaction Processing Mechanism – Marketing or Reality

4 Technologies Applied in the VSTA Transaction Processing Mechanism

Vesta Finance (VSTA) leverages four core technologies — Optimized Smart Contracts, Batching Transactions, Layer 2 Scaling, and Off-chain Order Matching. Here’s how each of them works:

Optimized Smart Contracts

One of the key elements in the VSTA transaction processing mechanism is the optimization of smart contracts. Solidity code is streamlined, removing unnecessary complex functions to minimize gas consumption. This ensures faster confirmations, lower costs, and overall higher system performance — laying the foundation for VSTA’s ambition to achieve thousands of TPS.

Batching Transactions

Instead of processing each order individually, the VSTA transaction processing mechanism applies batching — combining multiple small transactions into one large transaction. This technique not only saves network resources but also significantly increases throughput. With batching, hundreds of swap or repay actions can be recorded in a single execution, reducing stress on the blockchain.

Batching Transactions
Batching Transactions

Layer 2 Scaling with Arbitrum

VSTA is deployed on Arbitrum, a Layer 2 solution for Ethereum that enables much faster transaction processing than traditional Layer 1. This forms a crucial pillar of the VSTA transaction processing mechanism, as Layer 2 scaling reduces network congestion and gas fees while inheriting Ethereum’s robust security.

Off-chain Order Matching

In certain modules, the VSTA transaction processing mechanism integrates off-chain order matching. Complex calculations, such as trade matching, are handled off-chain, with only the final result recorded on-chain. This approach greatly reduces on-chain workload while maintaining transparency and trust.

Conclusion

The VSTA transaction processing mechanism is designed around its decentralized stablecoin, VST. Users can mint, redeem, trade, and participate in collateral liquidation directly through smart contracts. By leveraging Arbitrum Layer 2, VSTA reduces gas fees and accelerates transaction speeds, allowing the system to outperform many other DeFi protocols. Hopefully, this breakdown helps users better understand how VSTA works and make smarter investment decisions.

VSTA vs BitPay
Update VSTA, Update VSTA Payment Platform
September 22, 2025
1

VSTA vs BitPay which one is suitable for newbies

The cryptocurrency market is growing rapidly, and two prominent areas attracting users are VSTA vs BitPay. VSTA offers opportunities to optimize profits within the DeFi ecosystem, while BitPay provides convenience in spending and real-world payments. Understanding these differences helps investors and users choose the solution that best fits their needs. Join VSTA in exploring the detailed article below to learn more.

Introduction to VSTA vs BitPay

What is Vesta Finance (VSTA)?

Vesta Finance (VSTA) is a DeFi protocol built on Arbitrum Layer 2, designed to provide decentralized borrowing solutions with low costs and fast transaction speeds. Its standout feature is that it allows users to collateralize digital assets such as ETH, gOHM, GMX, and more to borrow the stablecoin VST without relying on intermediaries.

In addition to borrowing VST, the platform also offers opportunities to stake VSTA tokens to earn rewards. It further enables liquidity provision in pools to maximize investor returns. These features make Vesta Finance an attractive choice for those who want to actively participate in the DeFi ecosystem.

What is BitPay?

BitPay is one of the world’s largest cryptocurrency payment platforms, founded in 2011. Its mission is to make it easy for both individuals and businesses to accept and use crypto in daily life. BitPay serves as a crucial bridge between digital assets and traditional commerce, enabling fast and secure payments with Bitcoin, Ethereum, and many other cryptocurrencies.

BitPay’s main services include merchant payments, the BitPay Card, and the BitPay Wallet. With a global acceptance network, BitPay has partnered with thousands of businesses and merchants, helping cryptocurrency evolve beyond an investment asset into a practical payment method for everyday use.

What is BitPay
What is BitPay

VSTA vs BitPay: Which One Should You Choose?

The choice between VSTA and BitPay depends on your usage goals. If you are focused on optimizing profits from DeFi – such as staking, lending, and providing liquidity – then VSTA is the right choice. The platform allows you to turn idle assets into passive income on the Arbitrum blockchain with low costs.

On the other hand, if your needs lean more toward spending and real-world payments, then BitPay is the optimal solution. BitPay enables you to easily shop, pay for services, or withdraw fiat money from your crypto assets through its wallet and BitPay Card, which are widely accepted worldwide.

Which One Should You Choose
Which One Should You Choose

Why Compare VSTA vs BitPay

Comparing VSTA and BitPay is not simply about placing two crypto platforms side by side. It helps users clearly understand how each platform serves different needs within the blockchain ecosystem. VSTA represents the DeFi sector, focusing on generating profits through stablecoin borrowing, staking, and liquidity provision. Meanwhile, BitPay represents real-world payment applications, enabling crypto to be spent in everyday life.

Comparing these two platforms helps:

  • Investors evaluate whether to engage in DeFi for profit opportunities (VSTA) or focus on payment utility (BitPay).
  • Businesses and individuals choose the right tool — whether to use VSTA to optimize capital or BitPay to easily accept crypto payments.
  • Newcomers gain a more comprehensive view of the differences between profit-driven investment and real-world consumer applications.

Pros and Cons of VSTA vs BitPay You Should Know

Key Advantages of VSTA vs BitPay

  • VSTA: Operating on Arbitrum Layer 2, VSTA helps reduce costs compared to the Ethereum mainnet. All transactions are recorded on the blockchain, ensuring transparency and decentralization. Users can stake VSTA or provide liquidity to earn attractive rewards.
  • BitPay: Widely adopted by businesses, stores, and services worldwide that have integrated BitPay. It features a user-friendly interface suitable for beginners and offers both a crypto wallet and a convenient payment card. BitPay also enables fast conversion from crypto to fiat for real-world spending.
Key Advantages of VSTA vs BitPay
Key Advantages of VSTA vs BitPay

Disadvantages

  • VSTA: Carries smart contract risks that could be exploited. Its growth is closely tied to the expansion of the Arbitrum network.
  • BitPay: Primarily focuses on payment services and does not issue its own token to create additional community value. Payment fees vary depending on the blockchain used and can become high during network congestion.

Comparison: VSTA vs BitPay

AspectVSTABitPay
Similarities: In essence, VSTA vs BitPay are completely different. Because VSTA DeFi generates profits while BitPay is a consumer/business payment. However, VSTA vs BitPay both promote crypto applications and increase utility. Especially, both are in the blockchain ecosystem, serving financial needs.
NatureDeFi protocol on Arbitrum (Layer 2)Crypto payment gateway & wallet/card solution
Use CaseLeverage, borrow VST, staking, liquidity provision to earn profitsDaily payments, sending/receiving crypto for individuals & businesses
Target UsersDeFi-savvy users who accept volatility & know how to manage risksUsers/merchants seeking real-world payments with less technical knowledge
Value CreationProfits from interest, staking VSTA, LP rewardsPayment utility, crypto ↔ fiat conversion, BitPay Card
TokenYes – VSTA (governance/incentives)No native token
Transparency100% on-chain, smart contractsCentralized payment infrastructure + blockchain integration
CostLow transaction fees (Arbitrum)Fees depend on network & service type (gateway/card)
Main RisksSmart contract risks, collateral volatility, liquidationService provider risk, dependency on regulations/KYC
KYC/ComplianceUsually no KYC for on-chain interactions (depends on dApp/bridge)Merchants/cards often require KYC & legal compliance
Spending AbilityNot designed for real-world spendingStrong: in-store payments, online shopping, ATM withdrawals (via card)
ComplexityHigh (collateral, LTV, liquidation mechanisms)Low–Medium (app/wallet, invoices, card use)
Ecosystem RelianceArbitrum & pool TVL/liquidityMerchant network & partners accepting BitPay
Deployment SpeedRequires wallet setup, bridging, learning borrowing/staking mechanismsSimple: download app, create wallet/merchant account, start using
Financial GoalAsset growth (yield generation)Utility and cash flow for payments
Possible SynergyGenerate yield on VSTA, then withdraw to walletUse BitPay for spending (card/gateway)

Conclusion

This article has provided key insights comparing VSTA vs BitPay. As shown, both Vesta Finance (VSTA) and BitPay have their own unique strengths and cater to different needs within the cryptocurrency investment space. However, based on the comparisons above, it is clear that Vesta Finance still holds strong potential for future growth. Therefore, don’t hesitate — start learning more today and take your first steps toward profitable investing!

Compare VSTA vs NOWPayments
Update VSTA, Update VSTA Payment Platform
September 22, 2025
3

Compare VSTA vs NOWPayments, which is the best choice

In the blockchain ecosystem, each platform addresses a specific need. VSTA represents the DeFi and lending sector, while NOWPayments serves as a crypto payment gateway that bridges digital assets with traditional commerce. Therefore, comparing VSTA vs NOWPayments is essential for users to understand which option best fits their goals. Join VSTA in exploring the article below for more details!

Definition of VSTA vs NOWPayments

Before making a comparison, it’s important to understand the definitions of these ecosystems. Below are the details:

What is VSTA?

Vesta Finance (VSTA) is a decentralized finance (DeFi) protocol built on Arbitrum Layer 2, designed to provide digital asset lending solutions with low costs and fast processing speeds. Its standout feature is allowing users to collateralize assets such as ETH, gOHM, GMX, DPX, and others to borrow the stablecoin VST without the need for intermediaries.

In addition to stablecoin borrowing, Vesta Finance also offers opportunities to stake VSTA to earn rewards and to provide liquidity in pools to maximize returns. This makes the platform one of the promising components of the DeFi ecosystem on Arbitrum.

The VSTA token plays a central role in the ecosystem:

  • It serves as a governance token, enabling the community to vote on development directions.
  • It is used to incentivize staking and liquidity mining, creating motivation for user participation.
  • It fosters engagement between developers and the community to maintain protocol stability.
What is VSTA
What is VSTA

What is NOWPayments?

NOWPayments is a cryptocurrency payment gateway launched in 2019 with the goal of helping businesses and individuals easily accept payments in digital currencies. Unlike centralized solutions, NOWPayments is designed as a non-custodial platform, meaning it does not hold users’ assets, ensuring transparency and security.

NOWPayments supports over 160+ cryptocurrencies, including Bitcoin, Ethereum, stablecoins, and many other altcoins. Users can integrate NOWPayments into e-commerce websites or applications via API, plugins (WooCommerce, Shopify, Magento, etc.), and automated payment solutions.

Key Features of NOWPayments:

  • Merchant Payments: Enables merchants to accept multiple cryptocurrencies and automatically convert them into stablecoins or fiat.
  • Auto-Conversion: Reduces the risk of crypto price volatility during transactions.
  • Easy Integration: With just a few setup steps, websites can start accepting cryptocurrency payments.
What is NOWPayments
What is NOWPayments

Why Compare VSTA vs NOWPayments

Within the blockchain ecosystem, each project targets a different financial solution:

  • Vesta Finance (VSTA) focuses on DeFi lending, allowing users to collateralize assets, borrow the stablecoin VST, stake, and provide liquidity to earn profits. This is considered a suitable tool for investors aiming to grow their on-chain assets.
  • NOWPayments, on the other hand, acts as a crypto payment gateway, enabling individuals and businesses to accept payments in over 160 cryptocurrencies. It can be easily integrated into websites or stores, making it a practical solution for users and merchants who want to apply crypto in real-life transactions.

Based on this analysis, comparing VSTA vs NOWPayments is essential to:

  • Define usage goals: profit-oriented investing (VSTA) or practical payment utility (NOWPayments).
  • Evaluate pros and cons: DeFi offers high-profit potential but carries technical risks, while payment gateways make spending easy but depend on regulatory compliance.
  • Make quick decisions: new users can identify which platform best suits their financial needs – or even combine both to grow capital while also enabling convenient spending.
Why Compare VSTA vs NOWPayments
Why Compare VSTA vs NOWPayments

VSTA vs NOWPayments: Which is the Better Choice?

Both Vesta Finance (VSTA) and NOWPayments share the common goal of developing decentralized applications and supporting smart contracts, while also contributing to building a strong DeFi ecosystem. However, each platform has its own standout differences. Below are the key distinctions:

Field of Operation

VSTA (Vesta Finance) is a DeFi protocol on Arbitrum (Layer 2), focusing on asset lending/borrowing, issuing and maintaining the stablecoin VST, staking, and providing on-chain liquidity.

NOWPayments functions as a non-custodial crypto payment gateway, offering infrastructure for merchants, websites, and apps to accept payments in multiple cryptocurrencies.

In simpler terms: VSTA is geared toward investment and capital optimization, while NOWPayments is designed for spending and payment collection.

Main Objective

VSTA (Vesta Finance) provides mechanisms to optimize capital efficiency by collateralizing assets to borrow VST, restructuring positions, and earning rewards through staking and liquidity provision.

NOWPayments helps merchants and individuals easily accept crypto payments, lowering technical barriers and supporting conversion into stablecoins or fiat when needed.
If your goal is to grow on-chain assets, then VSTA (Vesta Finance) is the right choice. However, if your priority is generating revenue and enabling real-world payments, then NOWPayments should be your go-to solution.

How They Work

VSTA and NOWPayments operate in completely different ways. VSTA users deposit collateral (ETH, etc.); smart contracts determine the loan-to-value (LTV) ratio and liquidation threshold; VST is minted or repaid; profits are earned through staking and liquidity provision.
NOWPayments Merchants generate invoices/checkouts or integrate via API/plugin; customers pay in crypto; the system verifies the payment and (optionally) auto-converts it into the desired currency.

Tokens in VSTA vs NOWPayments

Vesta Finance has the VSTA token for governance and incentives, used to vote on parameter changes and to receive rewards from staking and liquidity provision. NOWPayments does not have a native token; its value comes from the services it provides (gateway, plugins, APIs) rather than a tokenomics model.

Tokens in VSTA
Tokens in VSTA

Target Users

Vesta Finance (VSTA): Suitable for traders/DeFi investors familiar with on-chain wallets, willing to handle volatility, and capable of managing liquidation risks. NOWPayments: Suitable for businesses, shop owners, creators, and non-profit organizations that need to accept payments in multiple cryptocurrencies easily.

Transaction Fees: VSTA vs NOWPayments

VSTA (Vesta Finance) benefits from the low fees of Arbitrum (Layer 2). The main costs are on-chain gas fees plus pool parameters (if participating in liquidity provision).
NOWPayments charges competitive gateway fees (a small percentage per transaction) along with blockchain network fees. Its auto-conversion feature reduces price volatility risks but may incur additional service charges.

Real-World Applications

VSTA is applied in borrowing VST against collateral to optimize capital flow, staking to earn rewards, and liquidity provision to collect fees and incentives.

NOWPayments, on the other hand, is applied to real-world scenarios such as e-commerce checkout, payment links, in-store QR payments, recurring invoices, donations, payroll, or service payments in crypto.

Conclusion

This article has outlined key comparisons between VSTA vs NOWPayments. As shown, both Vesta Finance and NOWPayments have their own unique strengths and serve different needs within the decentralized ecosystem. However, based on the analysis above, it is clear that VSTA vs NOWPayments target different use cases yet both have strong potential for future growth. If they maintain their positions, both platforms could attract significant attention from projects and developers moving forward.

coin lending
Update Token $VSTA
September 20, 2025
1

What is coin lending? Why does VSTA apply leding?

Coin Lending is emerging as a new and highly promising investment trend in the cryptocurrency market in general, and in VSTA in particular. It has attracted significant attention from long-term traders. So, what is Coin Lending? What key metrics should you pay attention to when lending coins? Let’s explore this together with VSTA.Info.

What is Coin Lending?

Coin Lending is the practice of lending your cryptocurrency assets to others in order to earn profits. In other words, you can “deposit” your crypto on lending platforms and receive interest in return. The interest rate may vary depending on the type of cryptocurrency, the lending period, and market demand.

To better understand Coin Lending, let’s look at an example: Suppose you have 100 BUSD and want to participate in Coin Lending on Binance with an annual interest rate of 10% for 14 days. After 14 days, the investor will receive:

  • Principal: 100 BUSD
  • Interest = Principal × Interest Rate (%) × Time (year) / 1 year = 100 × 10% × 14/365 = 0.5283 BUSD
  • Total Return = Principal + Interest = 100 + 0.5283 = 100.5283 BUSD

Result: After 14 days of participating in Coin Lending, you will receive 100.5283 BUSD, including both the principal and the interest.

What is Coin Lending
What is Coin Lending

Types of Coin Lending

Currently, Coin Lending in the crypto market is divided into three main types: P2P Lending, Over-Collateralized Lending, and Under-Collateralized Lending.

The Over-Collateralized Lending and Under-Collateralized Lending models operate through a Lending Pool. Lenders provide coins to the pool to create liquidity and earn interest. Borrowers pledge collateral, then borrow coins from the pool and pay interest depending on the type of asset.

P2P Lending

P2P Lending (peer-to-peer lending) is a model that directly connects borrowers and lenders through a technology platform, eliminating the intermediary role of traditional financial institutions. Thanks to Smart Contracts, the lending process is automated, ensuring transparency, security, and cost savings.

Key advantages of P2P Lending:

  • Lenders can set their own desired interest rates for loans, while borrowers can choose loan options that fit their financial capacity.
  • Eliminates intermediary fees from banks and financial institutions, reducing costs for both lenders and borrowers.
  • Borrowers gain easier access to capital from multiple investors, instead of relying solely on banks.
  • Smart Contracts ensure transparency throughout the entire lending process, from contract signing to disbursement and repayment.
  • Lenders can withdraw funds at any time, and borrowers can repay loans ahead of schedule.
P2P Lending
P2P Lending

Over-Collateralized Lending (OCL)

In Over-Collateralized Lending (OCL), borrowers pledge collateral with a value greater than the loan amount. This mechanism helps reduce risk for lenders. If the borrower defaults, the collateral will be liquidated to recover the funds.

Key advantages of OCL:

  • OCL allows investors to maximize the potential of their assets, turning “idle” assets into a source of profit.
  • Combining OCL with investment strategies such as Futures trading helps investors optimize profits from market volatility. Example: Deposit BTC on FTX and borrow USD to trade Futures. When BTC price rises, you gain profit both from the increase in BTC’s value and from the Futures position (if successful).
  • Collateral assets can be easily converted into cash when needed.

Under-Collateralized Lending (UCL)

In contrast to OCL, Under-Collateralized Lending (UCL) requires borrowers to pledge collateral smaller than the loan amount. While lenders face higher risks, they are compensated with higher interest rates.

Potential advantages of UCL:

  • UCL enables borrowers with limited collateral to still access capital for investment or business.
  • It allows borrowers to use their assets more efficiently, optimizing returns from various investments.
  • UCL helps expand the lending market and creates opportunities for broader participation.
Under-Collateralized Lending
Under-Collateralized Lending

How VSTA Applies the Lending Model

VSTA integrates the lending model into its DeFi ecosystem to create a sustainable and efficient financial infrastructure. The approach works as follows:

Collateralized Lending with Crypto Assets

Users can deposit supported crypto assets (such as ETH, USDC, or other tokens) as collateral to borrow the stablecoin VST. This ensures transparency and security while allowing users to unlock liquidity without selling their long-term holdings.

Stablecoin-Centered Lending (VST)

The VST stablecoin is the core of VSTA’s lending model. It provides borrowers with a stable, low-volatility currency for transactions, while lenders earn yield by supplying liquidity to lending pools.

Staking & Restaking for Enhanced Liquidity

VSTA token holders can stake or restake their tokens, contributing to the platform’s liquidity and security. In return, they receive attractive rewards, creating a cycle that reinforces both lending and the broader ecosystem.

Decentralized Governance via DAO

All major lending parameters-such as interest rates, collateral ratios, or supported assets-are governed by the community through DAO voting. This ensures fairness, decentralization, and long-term sustainability.

Through this model, VSTA transforms lending into more than just a borrowing mechanism-it becomes a driver of liquidity, user adoption, and ecosystem growth.

Decentralized Governance via DAO
Decentralized Governance via DAO

Key Metrics to Consider in Coin Lending

No matter which platform you choose for Coin Lending, it’s essential to understand the following metrics in order to make wise decisions and maximize profits:

Lending Interest Rate: This is the most important factor attracting investors to participate in lending. It represents the profit they will earn when lending out one unit of coin/token. Lending interest rates are usually calculated as an annual percentage (%).

Lending Time: This refers to the period during which the investor’s assets are locked for lending, starting from when the loan begins until it ends and both principal and interest are returned. Platforms often provide flexible lending durations such as 7 days, 14 days, 28 days, 30 days, or 90 days.

Lending Assets: The variety and number of assets available for lending give investors more options. At the same time, diversification helps lenders reduce risks and optimize returns.

Lending Total Value Locked (TVL): TVL reflects the total value of assets used for lending activities on the platform. A high TVL indicates strong user participation and interest, which attracts new investors. It also builds trust in the platform’s liquidity and safety.

Pros and Cons of Coin Lending

Coin Lending is a promising method with many advantages, but it also comes with risks that need to be carefully considered before participating.

Pros

Coin Lending offers several notable benefits:

  • Utilizing idle assets: Lending allows you to turn the cryptocurrencies you hold but don’t frequently use into an effective income-generating tool. Instead of letting your assets “sit idle” in a wallet, you can lend them out and earn interest over a set period of time.
  • Flexible lending terms: Lending platforms provide various options for loan durations, from short-term to long-term. This flexibility enables investors to allocate assets more efficiently and better meet their personal financial goals.

Cons

The main risk you need to pay attention to in Coin Lending is price volatility. The crypto market is well-known for its unpredictable and significant price fluctuations. During the lending period, the value of the coin you lend could drop sharply, making the interest you earn insufficient to offset the losses caused by the price decline.

Conclusion

We hope the information shared in this article helps you gain a clearer understanding of what Coin Lending is. This method can provide attractive passive income opportunities, but investors should carefully weigh the risks before getting involved. If you want to increase profits safely, follow VSTA.Info for the latest updates and insights.

What is a token
Update Token $VSTA
September 15, 2025
0

What is a Token? Everything you need to know about Token

What is a token? Token a familiar term in the Crypto market. For anyone participating in the cryptocurrency market, the term “token” is already very familiar. But do we truly understand what is a token is? Let’s find the answer in today’s article from VSTA.

What is a Token?

What is a Token? A token is a term used to describe types of digital assets that operate on the blockchain of other projects without having their own blockchain. It may sound complicated, but think of a token like a tenant renting a house. A token doesn’t own a house of its own; instead, it has to “live” and function within someone else’s house. That house, in this analogy, is the blockchain.

From a technical perspective, “token” is simply another word for “cryptocurrency” or “digital asset.” However, the term has gradually taken on more specific meanings depending on the context. Tokens are generally used to describe all cryptocurrencies other than Bitcoin and Ethereum (even though, technically, they are also tokens).

What is a Token
What is a Token

Classification of Tokens

To better understand what is a token, it’s important to note that tokens can serve different functions, so they are categorized into various types for easier distinction. Below are the basic types of tokens:

  • Security Token: This type of token is considered a form of equity and can generate profits from projects. It is equivalent to shares in the world of cryptocurrencies.
  • Transactional Token: As the name suggests, this type of token is used to facilitate transactions within a project’s ecosystem. Although technically different from coins, in practice they function similarly to coins in economic activities.
  • Utility Token: These tokens are typically used to access and utilize special features or software within a project’s ecosystem. Examples include discounts, purchasing special items, or participating in staking.
  • Governance Token: Used as voting rights to participate in important decisions affecting the project. Often, they can also be considered security tokens, similar to company shares with voting power.
  • Non-Fungible Token (NFT): This is the most unique type of token because each NFT is one of a kind and cannot be replaced. Think of NFTs like artworks; they are distinct and have non-uniform values. Additionally, you cannot purchase just half of an NFT, as they are indivisible.
Classification of Tokens
Classification of Tokens

The Process of Issuing and Managing Tokens

Issuing Tokens

  • Idea and Planning: First, the development team must have a clear concept for the project and determine how their token will function within the project’s ecosystem. They will create a detailed plan regarding the total supply, distribution methods, and intended use cases.
  • Token Creation: Tokens are created on a blockchain that supports smart contracts, most commonly Ethereum. Developers use standards such as ERC-20 (for Ethereum) to create tokens.
  • ICO/IDO: To raise funds and distribute tokens, projects often launch an Initial Coin Offering (ICO) or Initial DEX Offering (IDO), where investors can purchase tokens before the official project launch.

Managing Tokens

  • Smart Contracts: Tokens are managed through smart contracts, which are self-executing code that enforces the rules and conditions of the token, such as distribution, transactions, and supply control.
  • Governance: Some tokens include governance features, allowing holders to participate in voting and influence the direction of the project.
  • Token Locking: After issuance, certain tokens may be locked for a specific period depending on the project. This is done to prevent inflation and maintain stability.
Managing Tokens
Managing Tokens

Applications of Tokens

Tokens in Transactions and Payments

In the context of cryptocurrency and blockchain, tokens – often searched under the term what is a token – are used as a medium of exchange and form of payment within decentralized systems. Common examples include utility tokens, governance tokens, and stablecoins that facilitate transactions and ecosystem participation.

  • Currency units: Utility tokens such as BAT (Basic Attention Token) are used to pay for content on browser-based platforms like Brave.
  • DeFi transactions and payments: Transactional tokens such as DAI and USDC are used to carry out decentralized financial (DeFi) activities such as lending and borrowing
  • Means of payment and remittance: Stablecoins like USDT (Tether) are used as a stable medium of payment and to transfer money quickly between exchanges.

Tokens in Vesta Finance (VSTA)

Within the Vesta Finance ecosystem, understanding what is a token is essential, as two core tokens play crucial roles: VST and VSTA. VST is a stablecoin pegged 1:1 to the USD, minted when users collateralize digital assets such as ETH, renBTC, GMX, or gOHM into a Vault. It not only provides stable liquidity for users but also protects the system through the Stability Pool and Redeem Mechanism.
VSTA on the other hand, is the governance and incentive token. It empowers the community to participate in key decision-making processes while rewarding users who deposit VST into the Stability Pool or provide liquidity.

Tokens in Vesta Finance
Tokens in Vesta Finance

Tokens in Decentralized Applications (dApps)

When discussing what is a token in the blockchain ecosystem, tokens are digital assets created and managed through smart contracts to provide functionality and services within decentralized applications (dApps). Common applications include:

  • Gaming and NFTs: Non-fungible tokens (NFTs) represent unique digital assets such as in-game items, collectibles, or digital artwork.
  • DeFi: Governance tokens like UNI (Uniswap) allow users to vote on proposals and influence the direction of decentralized financial protocols.
  • Loyalty and Reward Systems: Utility tokens are issued to incentivize user participation, offering benefits like discounts, staking rewards, or bonuses for active community members.

Frequently Asked Questions About Tokens

What is a tokens used for?

What is a token used for? answer, tokens can be used as a means of payment, governance, voting rights, or as representations of digital assets such as NFTs.

How are tokens stored?

Tokens are usually stored in digital wallets or on exchanges and can be used through dApps on the blockchain.

What is the purpose of token airdrops?

Projects often organize token airdrops as a marketing strategy, to expand their community, and to encourage token usage by distributing them for free to users.

How can you check a token’s liquidity?

A token’s liquidity can be checked on exchanges or through market platforms such as CoinMarketCap and CoinGecko to evaluate its tradability.

Should you invest in coins or tokens?

It is difficult to say whether investing in coins or tokens is better, as this does not necessarily reflect the true value of a project. Whether a project uses tokens or not, it can still be highly valuable. Ultimately, the quality and potential of the project itself is what matters most.

Conclusion

Through this article, we have answered the question what is a token. Hopefully, you now understand that a token is not just a simple payment unit in the crypto world but also an important tool supporting many different applications and functions. If you want to learn more about the VSTA token, don’t forget to follow us!