HTX Global has launched a series of initiatives aimed at enhancing crypto lending, including super-low interest rates on loans and a margin trading carnival with $5,000 in prizes. Users can borrow and repay without fees, and the platform emphasizes the advantages of Bitcoin-backed loans over traditional loans, such as fast funding, secure collateral, and the ability to retain Bitcoin's price appreciation. Additionally, Cypher Lending has been introduced, allowing users to borrow dollars against their Bitcoin without relying on centralized institutions. The growing interest in decentralized finance (DeFi) lending is highlighted, with platforms enabling lending and borrowing through smart contracts on the blockchain, offering users the opportunity to earn passive income.