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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.

15519 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Early Investors Believe This New Crypto Token Could Be Q4 2025’s Biggest Surprise

Early Investors Believe This New Crypto Token Could Be Q4 2025’s Biggest Surprise

The post Early Investors Believe This New Crypto Token Could Be Q4 2025’s Biggest Surprise appeared on BitcoinEthereumNews.com. As the year enters the last quarter, the crypto market is narrowing down on projects that are yet to be realized by 2026. As the big tokens, such as Bitcoin and Ethereum, continue to be stable, more investors are interested in new DeFi projects that can be actually used and have a development perspective. One such token is Mutuum Finance (MUTM), which early adoptees consider the possible biggest surprise of Q4 2025. Mutuum Finance (MUTM) Mutuum Finance is a decentralized, non-custodial lending and borrowing protocol based on smart contracts, which does not involve intermediaries. This design allows users to lend, borrow and gain interest right in their wallets. The protocol is designed around two lending markets that are complementary. The original is Peer-to-Contract (P2C), which allows people to put their assets into liquidity pools and obtain mTokens, which are yield-generating ERC-20 receipts that automatically generate interest. As an illustration, 1ETH is deposited to earn 1mtETH, which increases as more borrowers pay interest. The second one, Peer-to-peer (P2P), matches single lenders and borrowers. Borrowers are allowed to take variable or stable rates where the protocol dictates dynamic rates depending on the demand in the market. Mutuum Finance loans are established by Loan-to-Value (LTV) ratios based on the volatility of the collateral. Stable assets such as USDT are usually given up to approximately 75% LTV, whereas more risky tokens are given less than that. In case the value of collateral deteriorates beyond the safety levels, smart contracts will liquidate assets to secure lenders. Presale Success and Growing Momentum Mutuum Finance is in Phase 6 of its presale where MUTM is priced at $0.035 US Dollar. The next step will increase the price by nearly 20% up to $0.04 USD and the launch price is officially set at $0.06 USD. Phase 1, which…

Author: BitcoinEthereumNews

2025/11/05

While Everyone Chased Memecoins, Stablecoins Became Crypto’s Real Backbone

While Everyone Chased Memecoins, Stablecoins Became Crypto’s Real Backbone

Understand why and how stablecoins quietly became crypto’s foundation.Photo by CoinWire Japan on Unsplash Memecoins have been around for a while, and they made lots of headlines in 2025. While many retail traders focused on these meme-powered tokens, stablecoins became the true backbone of crypto. The total market capitalization of stablecoins moved from just $28 billion in 2020 to over $307 billion as of November 2025. They now appeal strongly to traders, institutions, and governments. Stablecoins don’t need hype. They are highly regarded for their stability, liquidity, and usage in global transactions. If you’ve been ignoring stablecoins, this is the time to pay attention. Here, we’ll break down the key information every crypto trader must understand about this asset class. Stablecoins Aren’t New, but Their Roles Are Evolving Popular stablecoins, such as USDT, USDC, and BUSD, have existed for years. Adoption and utility, however, grew significantly in 2025. According to Coingecko data, daily transaction volume of USDT and USDC reached over $1 trillion cumulatively in Q3 of 2025. Clearly, these assets are no longer ‘just a bridge’ but a flourishing sector, representing 14% of total crypto market capitalization. Stablecoins are now the leading assets for remittances, cross-border trading, and merchant payouts. This is primarily because they bypass traditional banking friction. While the spotlight remains on volatile digital assets, stablecoins are now the plumbing that makes crypto work. Why traders must care Stablecoins offer key benefits to both retail and institutional crypto traders, including safety and opportunities. Below are reasons to care about them: · Liquidity Provider: Stablecoins enable traders to keep funds securely during periods of volatility and enter into trending assets quickly when needed. · Yield Generation: Stablecoins can earn predictable returns even in a volatile market. Some DeFi platforms offer between 3–12% APR for lending USDT/USDC, among other stablecoins. · Cross-Border Flexibility: Stablecoins are steadily becoming the major tool for global payments, dominating in areas with limited access to banks. Contrary to what some people think, stablecoins are not boring. They are strategic, functional, and profitable. The Numbers Behind the Quiet Rise To fully grasp the key roles stablecoins now play in the crypto space, here are the numbers behind their sudden rise in 2025: · USDT and USDC reached a circulating supply of $90 billion and $60 billion respectively. Per Coingecko · Top DeFi protocols, such as Aave, Compound, and Curve, now hold $40 billion in stablecoin deposits, providing the necessary liquidity to power trading and lending activities · Stablecoins now account for over 50% of total DeFi collateral, up from 35% in 2023, cementing their position as the backbone of decentralized finance. These numbers clearly show that while regular traders are mostly chasing high-risk altcoins, stablecoins quietly underpin the entire market. Risks and Considerations Due to their inherent stability, stablecoins may feel safe. However, they are not risk-free. Here, we’ll briefly discuss potential risks and considerations: · Counterparty risk: Unlike other asset classes, most stablecoins are centrally issued. This means a failure in reserves or governance can lead to price instability. · DeFi exposure: Many of the protocols holding stablecoins are prone to smart contract and liquidity risks, and a hack could impact the liquidity and stability of an asset. · Regulatory scrutiny: Governments are getting more and more involved in crypto, focusing mostly on issuance and backing of stablecoins. USDT and USDC, among other stablecoins, face audits and potential reserve requirements. Being familiar with these risks will help traders use stablecoins strategically rather than blindly. Why the Future Depends on Stablecoins If you understand their evolving role in the crypto space, you will know that stablecoins are no longer used for short-term convenience alone. Here are a few reasons why they will remain relevant: · Infrastructure for payments: Stablecoins currently offer the best payment infrastructure, both on-chain and off-chain. · Medium for DeFi expansion: Stablecoins are instrumental in DeFi growth and expansion; they power lending, yield farming, and automated trading across markets. · Bridge for global adoption: Stablecoins promote global adoption of cryptocurrency, especially in regions with unstable local currencies. This is specifically true for Nigeria, where I come from. As the crypto market continues to evolve, traders who understand stablecoins are better equipped to handle risks and control timing and liquidity. As the next hype cycle beckons, knowledge of stablecoins will distinguish experienced traders from newbies. Final Thoughts In 2025, many crypto traders chased memecoins and other volatile assets that promised explosive returns. In the same period, stablecoins quietly built the foundation of the crypto economy. Their relevance will only grow in 2026 and beyond. If you are in the crypto space for good, chasing the loudest coins is hardly the right approach. You must understand the assets that make trading possible, and stablecoins are strategic. For data-driven, trend-focused crypto insights, follow me here on Medium. About the Author Michael Kalu is a Nigerian writer, content strategist, and Web3 Storyteller. He’s been in crypto since 2020 and has been involved in various projects, including his latest experiments, Crypto-Crazy Football Fans, and the Ekuke memecoins. His short story collection, The Book of Ekuke: Breakthrough and Other Stories, is based on these new projects. You can follow him on LinkedIn and X. While Everyone Chased Memecoins, Stablecoins Became Crypto’s Real Backbone was originally published in Coinmonks on Medium, where people are continuing the conversation by highlighting and responding to this story

Author: Medium

2025/11/05

Franklin Templeton Updates XRP ETF Filing, Hinting at Possible SEC Approval as Price Declines

Franklin Templeton Updates XRP ETF Filing, Hinting at Possible SEC Approval as Price Declines

The post Franklin Templeton Updates XRP ETF Filing, Hinting at Possible SEC Approval as Price Declines appeared on BitcoinEthereumNews.com. COINOTAG recommends • Exchange signup 💹 Trade with pro tools Fast execution, robust charts, clean risk controls. 👉 Open account → COINOTAG recommends • Exchange signup 🚀 Smooth orders, clear control Advanced order types and market depth in one view. 👉 Create account → COINOTAG recommends • Exchange signup 📈 Clarity in volatile markets Plan entries & exits, manage positions with discipline. 👉 Sign up → COINOTAG recommends • Exchange signup ⚡ Speed, depth, reliability Execute confidently when timing matters. 👉 Open account → COINOTAG recommends • Exchange signup 🧭 A focused workflow for traders Alerts, watchlists, and a repeatable process. 👉 Get started → COINOTAG recommends • Exchange signup ✅ Data‑driven decisions Focus on process—not noise. 👉 Sign up → Franklin Templeton has updated its S-1 filing for an XRP exchange-traded fund, shortening Section 8(a) language to signal potential SEC approval. This follows similar updates from Bitwise and Canary Funds, amid XRP’s ongoing price correction of over 14% in the past week. Updated S-1 filing from Franklin Templeton streamlines regulatory process for XRP ETF launch. Shortened Section 8(a) clause reduces SEC’s ability to delay registration, indicating progress toward approval. XRP price has declined more than 14% weekly, reflecting broader market trends despite ETF momentum. Discover Franklin Templeton’s latest XRP ETF filing update and its implications for cryptocurrency investors. Stay informed on regulatory advancements and market impacts—explore key details now. What is the Latest Update on Franklin Templeton’s XRP ETF Filing? Franklin Templeton, a major US financial institution managing $1.5 trillion in assets, has recently updated its S-1 registration statement with the Securities and Exchange Commission (SEC) for a proposed XRP exchange-traded fund (ETF). XRP ETF filings like this one aim to provide investors with a regulated way to gain exposure to XRP, the native token of the Ripple network,…

Author: BitcoinEthereumNews

2025/11/05

Expert Warns of $93M xUSD Collapse Tied to Morpho and Euler Lending Exposure

Expert Warns of $93M xUSD Collapse Tied to Morpho and Euler Lending Exposure

The post Expert Warns of $93M xUSD Collapse Tied to Morpho and Euler Lending Exposure appeared on BitcoinEthereumNews.com. TLDR: Top expert warns of $93M xUSD collapse tied to Morpho and Euler lending exposure. Depeg triggered by collateral drain and mass liquidations in Stream Defi’s xUSD pools. Morpho and Euler confirm exposure monitoring as users face liquidity losses. Analysts urge stronger collateral rules and transparency in DeFi stablecoin design. A DeFi expert has sounded the alarm after the xUSD stablecoin crashed, leading to a reported $93 million loss across lending protocols. The collapse affected users with exposure to Morpho Labs and Euler Finance, two platforms integrated into Stream Defi’s xUSD ecosystem. Lending Pools Face Shock as xUSD Stablecoin Implodes According to market expert @DU09BTC, the depeg occurred after xUSD’s underlying collateral fell sharply, triggering a cascade of redemptions and liquidations. As users rushed to exit, liquidity evaporated, pushing the token’s value far below its intended $1 peg. Consequently, lenders in Morpho and Euler who held xUSD-backed positions saw collateral vanish within hours. The expert warned that the event underscores risks in DeFi architectures where assets are cross-collateralized or dependent on thin liquidity pools. Besides the financial hit, the episode revived discussions around on-chain risk management and stablecoin transparency. Market participants are now urging platforms to strengthen safeguards against cascading liquidations. Get your money out of @MorphoLabs and @eulerfinance! Here's why. They take your USDC and give it out to insolvent protocols that leverage loop scam stables like xUSD by Stream Defi which just lost $93M of user money. The incentives are totally misaligned. Curators on Morpho… pic.twitter.com/38fH6Nkczt — Duo Nine YCC (@DU09BTC) November 4, 2025 Morpho and Euler Respond Amid Ongoing Liquidity Drain In a post-event update, Morpho Labs confirmed that it is monitoring affected markets and assessing exposure linked to Stream Defi’s xUSD. While Morpho itself did not issue the stablecoin, it acknowledged that certain lending markets used…

Author: BitcoinEthereumNews

2025/11/05

Coinbase Pursues US Bank Charter Amid Regulatory Opposition and Industry Scrutiny

Coinbase Pursues US Bank Charter Amid Regulatory Opposition and Industry Scrutiny

The post Coinbase Pursues US Bank Charter Amid Regulatory Opposition and Industry Scrutiny appeared on BitcoinEthereumNews.com. COINOTAG recommends • Exchange signup 💹 Trade with pro tools Fast execution, robust charts, clean risk controls. 👉 Open account → COINOTAG recommends • Exchange signup 🚀 Smooth orders, clear control Advanced order types and market depth in one view. 👉 Create account → COINOTAG recommends • Exchange signup 📈 Clarity in volatile markets Plan entries & exits, manage positions with discipline. 👉 Sign up → COINOTAG recommends • Exchange signup ⚡ Speed, depth, reliability Execute confidently when timing matters. 👉 Open account → COINOTAG recommends • Exchange signup 🧭 A focused workflow for traders Alerts, watchlists, and a repeatable process. 👉 Get started → COINOTAG recommends • Exchange signup ✅ Data‑driven decisions Focus on process—not noise. 👉 Sign up → Coinbase’s application for a US national trust bank charter aims to integrate cryptocurrency services with traditional finance, despite opposition from community bankers concerned about risks in crypto custody and market volatility. This move, filed in October, could take 12-18 months for approval by the Office of the Comptroller of the Currency, signaling broader crypto industry efforts for regulatory legitimacy. Coinbase faces pushback from the Independent Community Bankers of America over untested crypto custody methods and profitability during downturns. The application seeks to bridge digital assets and mainstream banking, enhancing crypto adoption. Other firms like Ripple and Circle are pursuing similar licenses, with the OCC reviewing applications amid stablecoin regulations; decisions could shape US crypto oversight. Coinbase national trust bank charter application sparks debate on crypto integration with traditional finance. Learn how this could impact digital assets and what it means for investors seeking regulatory clarity. Stay informed on the latest developments. What is Coinbase’s National Trust Bank Charter Application? Coinbase’s national trust bank charter application is a formal request to the Office of the Comptroller of the Currency to…

Author: BitcoinEthereumNews

2025/11/05

Expert Suggests Crypto Treasuries May Contribute to Bitcoin Price Drop

Expert Suggests Crypto Treasuries May Contribute to Bitcoin Price Drop

The post Expert Suggests Crypto Treasuries May Contribute to Bitcoin Price Drop appeared on BitcoinEthereumNews.com. COINOTAG recommends • Exchange signup 💹 Trade with pro tools Fast execution, robust charts, clean risk controls. 👉 Open account → COINOTAG recommends • Exchange signup 🚀 Smooth orders, clear control Advanced order types and market depth in one view. 👉 Create account → COINOTAG recommends • Exchange signup 📈 Clarity in volatile markets Plan entries & exits, manage positions with discipline. 👉 Sign up → COINOTAG recommends • Exchange signup ⚡ Speed, depth, reliability Execute confidently when timing matters. 👉 Open account → COINOTAG recommends • Exchange signup 🧭 A focused workflow for traders Alerts, watchlists, and a repeatable process. 👉 Get started → COINOTAG recommends • Exchange signup ✅ Data‑driven decisions Focus on process—not noise. 👉 Sign up → Crypto treasury companies have significantly contributed to Bitcoin’s recent price drop by enabling mass extraction of value from the market, according to blockchain expert Omid Malekan. These firms raised substantial funds but often prioritized quick exits over sustainable growth, exacerbating market declines amid macroeconomic pressures. Crypto treasury companies, or DATs, have accumulated over one million Bitcoin tokens worth more than $101 billion, per Bitwise data. Experts argue these entities created exit events for locked tokens, draining liquidity from the crypto market. Bitcoin’s price has fluctuated between $99,607 and $113,560 in the past week, down from a high of over $126,000 on October 6, influenced by trade tensions and these corporate strategies. Discover how crypto treasury companies are impacting Bitcoin prices in 2025. Learn expert insights on market declines and sustainable strategies. Stay informed on crypto trends today. How Do Crypto Treasury Companies Impact Bitcoin Prices? Crypto treasury companies have played a notable role in Bitcoin’s price fluctuations by accumulating large holdings through leveraged financing, which can lead to forced sales during downturns. According to Omid Malekan, adjunct professor at…

Author: BitcoinEthereumNews

2025/11/05

Crypto Treasury Firms at Play in Market Dip, Expert Warns

Crypto Treasury Firms at Play in Market Dip, Expert Warns

Certainly! Here’s the rewritten article with an added introduction, optimized SEO, and improved readability, while maintaining the original HTML structure: Recent declines in the cryptocurrency market have prompted new discussions around the factors influencing Bitcoin and altcoin prices. Notably, the role of crypto treasury companies—institutions that acquire and hold large crypto holdings—has come into focus [...]

Author: Crypto Breaking News

2025/11/05

Bitcoin ETF vs. Ethereum ETF: What’s the Difference?

Bitcoin ETF vs. Ethereum ETF: What’s the Difference?

The post Bitcoin ETF vs. Ethereum ETF: What’s the Difference? appeared on BitcoinEthereumNews.com. Bitcoin ETF and Ethereum ETF are financial products that allow investors to gain exposure to BTC and ETH, respectively, without needing to hold cryptocurrencies themselves. The debut of U.S. spot price ETFs was a big deal for the cryptocurrency market at large, so much so that it incited a major bull run in 2024.  Looking back today, the bets on crypto ETFs were right. BTC and ETH ETFs have become a big part of the crypto market, controlling over $175 billion in assets in just one year.  In this article, we will explain in detail why crypto ETFs are such a big deal and the difference between Bitcoin and Ethereum ETFs, among other things.  Why Bitcoin and Ethereum ETFs Are in the Spotlight The approval of Bitcoin and Ethereum ETFs was met with intense euphoria among crypto investors because it was believed they would essentially bridge crypto to Wall Street and bring about institutional and regulatory acceptance.  How ETFs Bridge Traditional Finance and Crypto First of all, an ETF or exchange-traded fund is not unique to the cryptocurrency space. It started from traditional finance and has been used for decades to invest in mutual funds and a basket of different assets. Now, one of the roadblocks that decelerated the adoption of crypto by traditional investors is the complexity in managing cryptocurrencies. Not many investors know how or want to deal with the friction and risks of buying and storing BTC and other crypto assets.  The listing of crypto ETFs basically waived off these concerns, bringing down crypto to an instrument that most TradFi investors are already familiar with.  2024–2025 ETF Boom — Spot Approvals and Market Impact The success of spot Bitcoin and Ethereum ETFs saw a rush in the applications for other crypto assets, including SOL, XRP, DOGE, and…

Author: BitcoinEthereumNews

2025/11/05

Olas Launches Pearl v1, the First ‘AI Agent App Store’

Olas Launches Pearl v1, the First ‘AI Agent App Store’

The post Olas Launches Pearl v1, the First ‘AI Agent App Store’ appeared on BitcoinEthereumNews.com. Olas has launched Pearl v1, a decentralized “AI agent app store” that lets users own and operate autonomous AI agents, blending the ease of Web2 with the self-sovereignty of Web3, the company said in a press release Tuesday. Unlike centralized AI platforms that rent access to users, Pearl gives full control and transparency: every agent action is verifiable on-chain. Users can start with familiar logins like Google or Apple, fund agents via card, and retain full data custody. Built on principles of ownership, curation, and transparency, Pearl offers a growing library of agents for finance, creative, and social use cases. The launch follows a beta success story where Modius, a decentralized finance (DeFi) trading agent, earned over 150% return on investment (ROI) in 150 days. “Centralized infrastructure has achieved global reach and performance, yet this concentration means decisions or faults can strip users of their data and work completely. This is why ownership is so important” said David Minarsch, founding member of Olas in the release. “At Olas, we’re building towards a future where your AI agents work for you, not for centralized platforms harvesting your data,” he added. Olas sees Pearl as a shift from today’s AI consumption model to one of AI ownership, where users, not corporations, control the agents acting on their behalf. Read more: Blockchain Will Drive the Agent-to-Agent AI Marketplace Boom Source: https://www.coindesk.com/tech/2025/11/04/olas-launches-pearl-v1-the-first-ai-agent-app-store

Author: BitcoinEthereumNews

2025/11/05

The Monetary Authority of Singapore (MAS) has warned that the technology sector is overvalued and could trigger a sharp correction in global markets.

The Monetary Authority of Singapore (MAS) has warned that the technology sector is overvalued and could trigger a sharp correction in global markets.

PANews reported on November 5th that the Monetary Authority of Singapore (MAS) warned that high valuations in the technology sector pose a potential risk. In its annual Financial Stability Assessment report released Wednesday, the MAS stated, "Valuations in some equity markets are relatively high, particularly in the technology and artificial intelligence sectors… If market optimism regarding sufficient future returns from artificial intelligence declines, it could trigger a broader market correction and lead to more defaults in the private lending market." The MAS pointed out that much of the stock market's gains have been driven by AI-related investments, significantly increasing many investors' exposure to the information technology sector. Some large technology companies are using new, and potentially even revolving, private financing structures to support expansion, putting greater revenue pressure on some AI companies. The continued divergence between stock market valuations and downside risks to economic growth means that a shock could lead to disorderly market adjustments.

Author: PANews

2025/11/05

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