Lending

Lending protocols form the backbone of the decentralized money market, allowing users to lend or borrow digital assets without intermediaries. Using smart contracts, platforms like Aave and Morpho automate interest rates based on supply and demand while requiring over-collateralization for security. The 2026 lending landscape features advanced permissionless vaults and institutional-grade credit lines. This tag covers the evolution of capital efficiency, liquidations, and the integration of diverse collateral types, including LSTs and tokenized RWAs.

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Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Bitcoin is up as shutdown clouds begin to clear

Bitcoin is up as shutdown clouds begin to clear

The post Bitcoin is up as shutdown clouds begin to clear appeared on BitcoinEthereumNews.com. This is a segment from the 0xResearch newsletter. To read full editions, subscribe. Risk assets caught a bid as the Senate advanced a bipartisan funding package to end the record-long shutdown and Trump floated a $2,000 tariff dividend, lifting BTC from its $100,000 bottom. Polymarket now prices 87% odds of resolution by Nov. 15, which would restore critical data flow after two months of jobs/CPI blackouts. Trump’s plan faces much slimmer approval odds. Indices Risk assets caught a bid after the Senate advanced a bipartisan funding package to end the record-long government shutdown. Polymarket odds now show an 87% chance the shutdown ends by Nov. 15, which would restore critical data flow after two straight months of jobs and CPI blackouts. The news was particularly welcome for BTC, which had been struggling around the $100,000 mark all week and was down -10% before bouncing on the headlines. While the bill still needs House approval and Trump’s signature, markets are taking the procedural progress as the main risk-on catalyst, lifting global equities and futures. Simultaneously, President Trump floated a $2,000 “tariff dividend” funded by tariff revenues, though Polymarket traders price just a 21% probability the Supreme Court ultimately upholds his tariff authority — making the stimulus plan’s funding source legally precarious. Markets nonetheless cheered the twin stimuli: The reopening lessens tail risks around air travel, SNAP benefits, and federal payrolls for a few months, while any direct payments would be pro-consumption. Fed policy remains the other key variable: Polymarket now shows 72% odds of a 25 bps December cut and 27% odds of no change, slightly more dovish than the 60-65% priced into rates markets. Still, Friday’s consumer sentiment slumped to 50.3, near three-and-a-half‑year lows, with the shutdown cited as a key driver.  In crypto, Revenue tokens led gains yesterday (+5.48%),…

Author: BitcoinEthereumNews
6 Best Cross-Chain Crypto Exchanges for Businesses in 2025

6 Best Cross-Chain Crypto Exchanges for Businesses in 2025

The post 6 Best Cross-Chain Crypto Exchanges for Businesses in 2025 appeared on BitcoinEthereumNews.com. Crypto exchanges are widely used online platforms for buying, selling, and trading cryptocurrencies. It was initially difficult to transfer or swap crypto coins because of blockchain isolation. Now, cross-chain crypto exchanges or cross-chain swaps allow users to exchange coins and tokens instantly.  A cross-chain crypto swap or exchange enables swift transfers of tokens built on distinct blockchain networks. A user can easily swap Bitcoin (BTC) for Ethereum (ETH) without manual bridging or a central authority.  Cross–chain exchanges essentially bridge hundreds of blockchain networks. Thus, they make crypto assets interoperable, more efficient, and accessible. But which cross-chain cryptocurrency exchange is the best for your business?  One of these 6 Best Cross-chain Crypto Exchanges could be the best pick for your business. Check their reviews to make an informed decision now.  Top 6 Cross-Chain Crypto Exchanges for Businesses in 2025 There were a few blockchain networks in the past, but today, hundreds of blockchains power various crypto projects. Cross-chain crypto exchanges and swaps allow traders and investors to quickly swap preferred tokens without leaving the platform.  The following are the 6 best cross-chain exchanges for businesses: 1. ChangeNOW Emerging as the most advanced Web3.0 financial infrastructure provider, ChangeNOW provides enterprise-grade exchange, crypto payment, and asset management solutions. Supporting over 1,500 crypto assets and 150 blockchain networks, ChangeNOW serves SMEs and enterprises in the iGaming, FinTech, investment, and lending sectors. Businesses are integrating its cross-chain exchange on their portals to help their customers swap cryptos instantly.  Business organizations have integrated ChangeNOW’s crypto exchange API, white label solutions, and exchange widget. Its exchange solution helped clients provide their customers access to a cutting-edge multichain swap without leaving the app or the website. Why ChangeNOW Should Be Your Top Pick? It offers enterprise-ready exchange infrastructure for businesses with 99.99% uptime. With a 350MS response time,…

Author: BitcoinEthereumNews
Ripple News: Inside the $4 Billion Buying Spree and the Rise of XRP Treasuries

Ripple News: Inside the $4 Billion Buying Spree and the Rise of XRP Treasuries

The post Ripple News: Inside the $4 Billion Buying Spree and the Rise of XRP Treasuries appeared first on Coinpedia Fintech News Ripple Labs is on an aggressive mission to dominate financial infrastructure. Since early 2025, the company has spent close to $4 billion acquiring firms across brokerage, payments, custody, and treasury management. The spree began with the $1.25 billion purchase of prime brokerage firm Hidden Road, now rebranded as Ripple Prime. It followed up with a …

Author: CoinPedia
Top Crypto Performers of 2025: Why BlockDAG, Hyperliquid, TRON, and Ethereum Lead the Market

Top Crypto Performers of 2025: Why BlockDAG, Hyperliquid, TRON, and Ethereum Lead the Market

The post Top Crypto Performers of 2025: Why BlockDAG, Hyperliquid, TRON, and Ethereum Lead the Market appeared on BitcoinEthereumNews.com. Disclaimer: This content is a sponsored article. Bitcoinsistemi.com is not responsible for any damages or negativities that may arise from the above information or any product or service mentioned in the article. Bitcoinsistemi.com advises readers to do individual research about the company mentioned in the article and reminds them that all responsibility belongs to the individual. The crypto market of late 2025 is full of movement, but a few names have separated themselves as the top crypto performers through real innovation, user adoption, and consistent momentum. These aren’t random picks. They each represent a distinct strength: early-stage opportunity, high-volume trading growth, ecosystem resilience, or foundational stability. Together, they showcase how diverse the path to crypto success can be. From BlockDAG’s record-breaking presale and technical breakthroughs to Hyperliquid’s expanding DeFi products, TRON’s steady network dominance, and Ethereum’s continued leadership in smart contracts, each project brings something powerful to the table. Whether you’re watching for new market entrants or solid long-term plays, these top crypto performers highlight where innovation and investor confidence currently align. 1. BlockDAG: The Presale Powerhouse Among the top crypto performers, BlockDAG has taken a commanding lead with a presale that has already crossed $435 million, making it one of the largest in 2025. Its success stems from more than just hype, as it’s built on a credible foundation of advanced technology and transparent leadership. The network’s architecture merges Proof-of-Work security with a Directed Acyclic Graph (DAG) framework, allowing thousands of transactions to be processed simultaneously. This blend achieves the perfect balance between scalability, decentralization, and security, solving the long-standing blockchain trilemma that limited earlier generations like Bitcoin and Ethereum. BlockDAG’s Awakening Testnet is already live and stable, demonstrating over 1,400 transactions per second with full EVM compatibility. That means developers can easily migrate their existing Ethereum-based applications onto…

Author: BitcoinEthereumNews
Best Crypto Buys This Month for 1000x Returns: LivLive Outperforms Bitcoin Hyper and SUBBD With Explosive ROI Potential

Best Crypto Buys This Month for 1000x Returns: LivLive Outperforms Bitcoin Hyper and SUBBD With Explosive ROI Potential

LivLive Presale Surges Past $2M—Outperforming Bitcoin Hyper and SUBBD as the top crypto buy this month with 1,150% ROI potential. (158)

Author: Blockchainreporter
This $0.035 Token Feels Like Cardano’s (ADA) Early Big Run. Is it the Next Crypto to Explode?

This $0.035 Token Feels Like Cardano’s (ADA) Early Big Run. Is it the Next Crypto to Explode?

The cryptocurrency world is accustomed to comparing the current prospects with the greatest historic showrunners, with Cardano (ADA) being one that created millionaires in the process of its breathtaking price appreciation in the bull run of 2020 and 2021, while the current darling is Mutuum Finance’s (MUTM) $0.035 tokens, reminiscent of the early days of […]

Author: Cryptopolitan
Fed Governor Predicts Multi-Trillion Dollar Stablecoin Boom Will Force Down US Interest Rates

Fed Governor Predicts Multi-Trillion Dollar Stablecoin Boom Will Force Down US Interest Rates

A senior U.S. Federal Reserve official has warned that the explosive growth of stablecoins, dollar-pegged digital tokens now processing trillions of dollars in payments, could reshape global finance and exert long-term downward pressure on U.S. interest rates. In a speech titled “A Global Stablecoin Glut: Implications for Monetary Policy” delivered at the BCVC Summit 2025 in New York, Fed Governor Stephen I. Miran said the rising demand for stablecoins is likely to increase purchases of U.S. Treasury securities and other liquid dollar assets. This, he argued, could mimic the effects of the early-2000s “global savings glut” that depressed rates worldwide. “Stablecoins may become a multitrillion-dollar elephant in the room for central bankers,” Miran said. “Their growth increases the supply of loanable funds in the U.S. economy, placing downward pressure on the neutral interest rate.” Trillions in Stablecoins Could Lower Neutral Interest Rate by 40 Basis Points Miran’s comments come as the Federal Reserve maintains a target range of 3.75% to 4.00% for the federal funds rate, following two cuts this year. The effective rate currently sits around 3.87%, marking a decline from 4.33% earlier in 2025. The Fed governor’s analysis suggests that even without further rate cuts, the rapid adoption of stablecoins could naturally exert downward pressure on borrowing costs. By attracting trillions in reserves into dollar-backed digital assets, much of it from outside the U.S., stablecoins effectively expand the pool of funds available for lending, similar to how global capital inflows once helped keep yields low in the 2000s. According to Miran, the rise of stablecoins could lower the neutral interest rate, the level at which monetary policy is neither stimulating nor restricting the economy, by as much as 40 basis points if adoption projections materialize. Under the new GENIUS Act, passed earlier this year, U.S. stablecoin issuers must hold reserves fully backed by safe, liquid dollar assets such as Treasury bills, repos, and government money market funds. This mandate, Miran said, could substantially boost demand for U.S. debt. The Fed estimates that the stablecoin market could grow to between $1 trillion and $3 trillion by 2030, rivaling the scale of quantitative easing programs from the COVID-19 era. According to Andreessen Horowitz’s “State of Crypto 2025” report, stablecoins processed $46 trillion in transactions over the past year, a 106% increase from 2024, and now rival the U.S. Automated Clearing House (ACH) in payment volume. Collectively, stablecoin reserves hold over $150 billion in U.S. Treasuries, making them the 17th largest holder of American debt, ahead of several sovereign nations. Stablecoins Now Represent Over 1% of U.S. Dollars in Circulation, Reshaping Global Finance Miran compared the rise of stablecoins to the early-2000s “global savings glut,” which saw an influx of foreign capital into U.S. debt markets, driving down yields. The effect, he warned, could be similar: more savings chasing safe dollar assets, reducing the equilibrium or “neutral” interest rate. Economists Marina Azzimonti and Vincenzo Quadrini previously estimated that widespread stablecoin adoption could push rates down by as much as 40 basis points. If accurate, that shift could mean the Fed would need to keep policy rates lower than they otherwise would to maintain economic balance. Miran cautioned that if the Fed failed to adjust to a lower rate, monetary policy could become “unintentionally contractionary.” Once seen as a niche instrument for crypto trading, stablecoins have become one of the largest digital payment systems in the world. Transfers settle in seconds, cost less than a cent, and are increasingly used for remittances, cross-border trade, and decentralized finance (DeFi) activity. Data from A16z shows that more than 1% of all U.S. dollars in circulation now exist in tokenized form on public blockchains, a milestone that underscores how digital dollars are reshaping global finance

Author: CryptoNews
How Do Whales Make Their Money? By Buying RTX, BlockDAG & Bitcoin Hyper Early!

How Do Whales Make Their Money? By Buying RTX, BlockDAG & Bitcoin Hyper Early!

The crypto market recently celebrated the Bitcoin price crossing $100,000, marking a massive milestone in crypto investments. However, the real winners are those investors who caught the bitcoin wave when it was just about a dollar or so; these investors have seen their earnings grow by folds between then and now. But, with the market […] The post How Do Whales Make Their Money? By Buying RTX, BlockDAG & Bitcoin Hyper Early! appeared first on Live Bitcoin News.

Author: LiveBitcoinNews
Clean, Cheap Energy Looks Like A Political Winner

Clean, Cheap Energy Looks Like A Political Winner

The post Clean, Cheap Energy Looks Like A Political Winner appeared on BitcoinEthereumNews.com. Current Climate brings you the latest news about the business of sustainability every Monday. Sign up to get it in your inbox. New Jersey governor-elect Mikie Sherrill. © 2025 Bloomberg Finance LP Inflation and higher energy costs were among the issues that helped Democrats notch larger-than-expected wins in last week’s off-year elections, particularly in gubernatorial races in Virginia and New Jersey, as well as in Georgia, where voters elected two Democrats to the state’s utility board, the first time any members of that party will serve on it in almost two decades. In Virginia, Governor-elect Abigail Spanberger made clean power, including renewables and offshore wind, central to her goal of lowering energy prices for the state’s residents. Likewise, in New Jersey, Mikie Sherrill pledged to declare a state of emergency over rising utility costs on her first day in office and freeze rate increases for residential customers. She said her administration will also “massively build out cheaper and cleaner power generation.” Surveys consistently show that a majority of Americans favor increased use of renewable power, though earlier this year, Pew and Gallup found support for doing so had weakened considerably from past levels. Perhaps that’s because Donald Trump was elected on a promise of lowering costs for Americans, particularly energy prices, by setting aside environmental concerns to dramatically increase oil and gas production and even expand coal use. So far, that strategy has failed. While gasoline prices are down slightly from a year ago, residential electricity rates have jumped about 10% this year, more than double the rate of overall inflation. The rapid increase in power demands from AI data centers has been a big factor in why electricity prices are rising. At the same time, the Trump administration’s elimination of federal incentives for clean power threatens to make it…

Author: BitcoinEthereumNews
Uphold’s US President Discloses More Exciting Upcoming XRP-Related Products: Details

Uphold’s US President Discloses More Exciting Upcoming XRP-Related Products: Details

Uphold’s debit card now offers up to 10% cashback in XRP. Partnership with Exactly Protocol introduces DeFi lending pool and credit card. Tokenized deposits will bring real dollars to blockchain with banking protections. Uphold, a prominent player in the cryptocurrency and fintech space, is preparing to launch several new products that promise to significantly enhance the experience of XRP holders. In an interview with Jake Claver, US President of Uphold, Nancy Beaton shared exciting updates about the company’s upcoming features, which are aimed at making crypto management easier for users. According to Beaton, Uphold is focused on integrating cryptocurrency into everyday financial activities, delivering user-friendly products that cater to both crypto enthusiasts and those who want seamless access to traditional financial services. These upcoming products are expected to provide significant value to XRP holders, who have long been asking for ways to earn and spend their digital assets more efficiently. Upgraded Debit Card Offering Up to 10% Cashback in XRP One of the most anticipated updates is the relaunch of Uphold’s debit card, which now offers up to 6% cashback on all purchases. Users who set up direct deposit can earn as much as 10% cashback, with the rewards paid out in XRP. This feature responds directly to the XRP community’s ongoing requests for more ways to earn from their holdings. By using the card for everyday purchases, users can continue to accumulate XRP and maximize their asset value. Partnership with Exactly Protocol for DeFi Lending and Credit Cards In addition, Uphold is partnering with Exactly Protocol to introduce a decentralized finance (DeFi) lending pool in Q4. This will allow users to lend their crypto assets, including XRP, and earn yield. Also Read: Pundit Says “Own XRP or Get Left Behind,” Here’s Why I sat down for an interview with @beatonboulder US President of @UpholdInc and she drops some serious alpha In this interview, Nancy walks through some products that are actually solving real problems for crypto holders and shared the news that Uphold is launching a DeFi lending… pic.twitter.com/5U1iUCo2Ed — Jake Claver, QFOP (@beyond_broke) November 9, 2025 Additionally, users will have the option to access a credit card that enables them to spend against their collateralized assets without having to liquidate them. Beaton explained that this collaboration will offer much-needed flexibility to users, allowing them to earn yield while retaining access to their crypto holdings. 4% Interest on USD Deposits with $2.5M FDIC Insurance Uphold is also enhancing its offering for users holding fiat currency. By depositing USD into Uphold’s money market, users can now earn 4% interest on their funds. The company ensures that these deposits are FDIC-insured up to $2.5 million—much higher than the $250,000 coverage that traditional banks typically offer. The liquidity of the funds allows users to easily access or trade their assets while still earning interest on their deposits. Tokenized Deposits Set to Launch in 2025 Looking ahead, Beaton revealed that Uphold is preparing to launch tokenized deposits in 2025. These deposits will be backed by real US dollars and exist on the blockchain, offering users the benefits of traditional bank deposits while leveraging the speed and security of blockchain technology. The digital dollar system will allow users to send, receive, and make payments instantly, while still benefiting from full banking protections and 24/7 access. Commitment to XRP Community and Future Innovations Throughout the conversation with Jake Claver, Beaton also highlighted Uphold’s commitment to the XRP community. She explained that Uphold never delisted XRP during the SEC lawsuit, a decision that was met with praise from many in the XRP space. Beaton noted that Uphold always listens closely to its users, and this user-driven approach has been key to the company’s success. As Uphold continues to innovate and expand its range of offerings, the company is poised to become a leading provider of crypto solutions that are not only practical but forward-thinking. With these upcoming products, Uphold is positioning itself to help users fully integrate cryptocurrency into their everyday financial lives, offering seamless tools that cater to both traditional and digital asset needs. Also Read: FSC Chair Highlights Need for Safeguards in South Korea’s Stablecoin Push The post Uphold’s US President Discloses More Exciting Upcoming XRP-Related Products: Details appeared first on 36Crypto.

Author: Coinstats