We’re using an interest-free family loan to help fund our home build, and I’m worried about the red tape. How do U.S. lenders and the IRS view that money? How can we document everything to avoid issues with our mortgage approval or unexpected taxes later?

Can anyone clarify why altcoin projects like $HYPER, which aim for real utility (e.g., cross-chain communication), initially focus on trading? How do they move beyond speculation to achieve their stated goals and build practical applications?