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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.

15505 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
GoPlus: Many stablecoins similar to XUSD harbor a high risk of de-pegging or insolvency.

GoPlus: Many stablecoins similar to XUSD harbor a high risk of de-pegging or insolvency.

PANews reported on November 4th that the GoPlus Chinese community published an analysis on the X platform stating that, with the continued decline in price and reduced liquidity, more stablecoins like XUSD may be facing a higher risk of de-pegging or insolvency. 1. Yield-bearing stablecoins rely on high-return strategies (lending/leverage/LP rewards), have large exposure to external borrowing, and have high liquidity requirements (xUSD belongs to this category). 2. Algorithm/Dual-Token Stablecoins (without sufficient external collateral): The mechanism for maintaining price stability relies on market arbitrage/token burning, and there are no reserves for immediate redemption in fiat currency. 3. For projects with centralized governance or a single counterparty, the loss of private keys, governance delays, or custodian bankruptcy can all lead to the closure of redemption channels. 4. High concentration of holdings / A small number of whales reducing their holdings of tokens with a very high percentage of ownership in a few wallets can have a significant impact on secondary market liquidity and price stability. 5. Projects that promise high returns but lack transparency, have insufficient audits, anonymous teams, opaque leverage, associated addresses, and unclear sources of returns all increase project risk.

Author: PANews

2025/11/04

Analysts: Stream Finance's $93 million loss could result in over $285 million in risk exposure.

Analysts: Stream Finance's $93 million loss could result in over $285 million in risk exposure.

PANews reported on November 4th that, according to The Block, independent DeFi analyst YieldsAndMore has compiled a network of risk exposures related to Stream Finance's $93 million loss . Hundreds of millions of dollars in loans and collateral positions in lending markets, stablecoins, and liquidity pools may have been indirectly affected. YieldsAndMore stated that Stream's debt spans at least seven networks, involving numerous counterparties including Elixir, MEV Capital, Varlamore, TelosC, and Re7 Labs. Assets associated with Stream's xUSD, xBTC, and xETH tokens were repeatedly collateralized in protocols such as Euler, Silo, Morpho, and Sonic, amplifying the potential contagion of risks in the DeFi space. Their estimate puts the total debt related to Stream (excluding indirect exposure to derivative stablecoins) at approximately $285 million. TelosC ($123.6 million), Elixir ($68 million), and MEV Capital ($25.4 million) are the most heavily involved. The team states the losses are substantial, the solution is unclear, and more stablecoins and liquidity pools may be affected. The research shows the largest single exposure is Elixir's deUSD, which lent $68 million in USDC to Stream, representing approximately 65% of deUSD's total reserves. Elixir states its position has a "full redemption right per dollar," but according to a post by YieldsAndMore on the X platform, the Stream team has informed creditors that repayments will be suspended until legal proceedings are complete. Other indirect exposures may include Treeve's scUSD, which is caught in a multi-layered lending cycle through Mithras, Silo, and Euler. Varlamore and MEV Capital also hold smaller but noteworthy positions. In a post about the Stream incident, YieldsAndMore wrote: "This risk map is still incomplete, and we expect more affected pools to come to light as position liquidations and audits of lending contracts proceed."

Author: PANews

2025/11/04

Stream Finance suspends deposits and withdrawals after $93M Stream Fund assets loss

Stream Finance suspends deposits and withdrawals after $93M Stream Fund assets loss

Stream Finance announced today that its external fund manager has disclosed nearly $93 million in Stream Fund assets.

Author: Cryptopolitan

2025/11/04

As Ethereum (ETH) Struggles Under $4,000, This $0.035 Token is Tipped to Be the Next Crypto to Hit $1

As Ethereum (ETH) Struggles Under $4,000, This $0.035 Token is Tipped to Be the Next Crypto to Hit $1

And right now, the spotlight is burning bright on Mutuum Finance (MUTM), a new DeFi crypto priced at just $0.035 […] The post As Ethereum (ETH) Struggles Under $4,000, This $0.035 Token is Tipped to Be the Next Crypto to Hit $1  appeared first on Coindoo.

Author: Coindoo

2025/11/04

Stream Finance halts withdrawals after $93M loss, xUSD depegs 75%

Stream Finance halts withdrawals after $93M loss, xUSD depegs 75%

The post Stream Finance halts withdrawals after $93M loss, xUSD depegs 75% appeared on BitcoinEthereumNews.com. Stream Finance has halted deposits and withdrawals from its platform in response to the loss of $93 million of “Stream fund assets.” The news caused the xUSD yield vault token to depeg over 75%. At the time of writing it’s trading at $0.30 rather than its target price of around $1.27. It blames the loss on an “external fund manager overseeing Stream funds.” Yesterday, an external fund manager overseeing Stream funds disclosed the loss of approximately $93 million in Stream fund assets. In response, Stream is in the process of engaging Keith Miller and Joseph Cutler of the law firm Perkins Coie LLP, to lead a comprehensive… — Stream Finance (@StreamDefi) November 4, 2025 Read more: DeFi projects under fire for inflated TVL and murky lending loops Just over a week ago, concerns began to circulate over a tangled web of yield vaults, including Stream Finance’s xUSD. The high yields offered were often propped up via looped lending and borrowing of their own and each others’ assets. Since then, total value locked (TVL) on Stream has dropped from a high of over $200 million to just $98 million today, per DeFiLlama data. The platform lost $50 million in TVL yesterday alone. Protos’ previous reporting looked into a “DeFi daisy chain” of lending between Stream Finance’s xUSD, YieldFi’s yUSD and Elixir’s deUSD. Most of the strategies also relied on Midas’ mHYPER to greater or lesser extent. The assets were leveraged against each other on decentralized finance lending platforms such as Morpho and Ruler. These assets mostly bill themselves as a variation on “stablecoin-backed market-neutral strategies,” similar to Ethena’s USDe. The Transparency page of Stream Finance’s website reads “Coming soon!,” with a link to a bundle of addresses on portfolio tracker Debank standing in for any detailed proof of reserves. In response…

Author: BitcoinEthereumNews

2025/11/04

This Bull Market Could Be Headed For The Slaughterhouse

This Bull Market Could Be Headed For The Slaughterhouse

The post This Bull Market Could Be Headed For The Slaughterhouse appeared on BitcoinEthereumNews.com. Federal Reserve Chairman Jerome Powell. (Photo by Chip Somodevilla/Getty Images) Getty Images Critics, including President Trump, charge that the Federal Reserve is keeping interest rates too high. Others say the Fed is correct and that inflation is a threat. Here’s why both views are right—and what that means for the market. In a recent interview with the New York Times the Federal Reserve’s newest governor, Stephen Miran, declared that the central bank should cut interest rates by 50 basis points at its meeting next month. He pooh-poohed concerns about inflation, warning that recession—not a surge in prices—is the immediate threat. Meanwhile, the Fed’s current boss, Jerome Powell, threw cold water on the idea that even a small reduction was a sure thing. Too much uncertainty about the state of economy, he averred. President Trump and Miran are right that the cost of borrowing money is overpriced. Our rates are higher than those of Japan and the EU and are about the same as Britain’s. This is absurd, given that our fundamentals are so much better than those economies’. Our artificially high cost of borrowing constricts lending to small businesses, hurting the availability of both expansion capital and routine working capital. One fact to remember: By a wide margin, Hispanics start more businesses than any other ethnic group in the U.S., but they’re held back by the difficulty in getting adequate bank financing. However, defenders of the Fed’s timid steps have a point: The fires of inflation haven’t been extinguished. In fact, they will worsen if corrective action isn’t taken. What we’re talking about here aren’t rising prices caused by tariffs, regulations or the severe disruptions to production from pandemic lockdowns; the Fed can’t control these. What it can control is monetary inflation. That is, the dollar’s losing value, usually—but not…

Author: BitcoinEthereumNews

2025/11/04

Charles Hoskinson Wants to Fix Cardano’s $5Bn DeFi Problem

Charles Hoskinson Wants to Fix Cardano’s $5Bn DeFi Problem

The post Charles Hoskinson Wants to Fix Cardano’s $5Bn DeFi Problem appeared on BitcoinEthereumNews.com. Charles Hoskinson, the founder of Cardano, is sounding the alarm for the network. While the network boasts a healthy 1.3 million active users, decentralized finance (DeFi) activity on Cardano remains thin — far below the scale needed to reach $5-10 billion in TVL. In his live X stream, he said, “how can we ask Solana and Ethereum users to come and use our DeFi if our own users are not using DeFi. Do they not feel safe? Do they feel experiences are not good enough or the yield isn’t coming?” He also said there can be tonnes of reasons for it and we need a debate on it with these users to try and understand. However, in a later video, he said “ofcourse that’s not to blame users for the Defi woes. We need a debate with these users to come and solve the problem.” His conviction comes as the network recently released Ourobors Phalanx upgrade to enhance network safety by tackling “grinding attacks”. BREAKING NEWS: CHARLES CALLS OUT CARDANO USERS FOR IGNORING CARDANO DEFI 😱😱😱@IOHK_Charles addressed a critical issue on the lack of user participation within Cardano’s DeFi ecosystem. If our own people used our DeFi protocols, our TVL would be $5–10 billion not $680… pic.twitter.com/1wiKsSUV4Q — Mintern (@MinswapIntern) November 2, 2025 Cardano’s DeFi Problem Cardano has millions of active wallets and ~1.3 million staking/governance participants, but only tens of thousands of daily on-chain actors actually using DeFi — and DeFi liquidity (TVL) on Cardano is measured in the low hundreds of millions, not billions. Low TVL generally means big trades suffer slippage and yields – making the network unattractive for professional market-makers and institutions. That discourages both retail traders and capital allocators from moving funds on-chain. Cardano does have a large, active community – but most of those…

Author: BitcoinEthereumNews

2025/11/04

Step Into the Most Heartwarming Crypto Presale of 2025

Step Into the Most Heartwarming Crypto Presale of 2025

The post Step Into the Most Heartwarming Crypto Presale of 2025 appeared on BitcoinEthereumNews.com. Crypto Presales Discover Milk Mocha $HUGS live presale after its full whitelist sellout! Enjoy 50% APY, explore NFTs, and join crypto’s most adorable global community. The whitelist for Milk Mocha’s $HUGS has officially closed after reaching its limit within just hours. Fans and global participants who joined early are now part of the live presale of one of 2025’s most anticipated crypto projects. What began as a cheerful meme-themed currency built around the internet’s favorite bear duo has grown into a global movement that combines heartfelt emotion with solid utility and real benefits. This project goes beyond simple humor; it carries emotional depth. The Milk Mocha ($HUGS) ecosystem unites staking, NFTs, community-driven voting, and ongoing lifetime rewards. With no KYC requirements, no minimum purchase, and easy participation, it ensures accessibility for everyone. As the presale continues to surge, early backers are hurrying to grab $HUGS before the next stage price rise, proving that timing and charm often move together in crypto. Whitelist Frenzy Nears Its End Excitement for the $HUGS whitelist has peaked, with every available slot now filled. The project’s open and simple model appeals to both newcomers and experienced traders alike. No verification checks, purchase limits, or waiting times are needed; just an email and a wallet are needed to take part before it ends. Whitelist members gain entry into the 40-stage presale, starting from $0.0002 per coin, with the price climbing each round as demand grows. Unsold coins are automatically burned, reducing supply and supporting long-term value. Early entrants also qualify for exclusive prizes, staking benefits, and community giveaways once the presale transitions toward launch. As social activity rises and registrations increase, the final phase is closing swiftly. The whitelist is full, and only those who join the live presale can now take part in the next…

Author: BitcoinEthereumNews

2025/11/04

Ripple Launches Prime Platform for Institutional XRP Trading in Evolving US Market

Ripple Launches Prime Platform for Institutional XRP Trading in Evolving US Market

The post Ripple Launches Prime Platform for Institutional XRP Trading in Evolving US Market 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 → Ripple Prime launches in the US as a new platform for institutional OTC spot trading in digital assets like XRP and RLUSD, enabling seamless cross-margining with derivatives and traditional finance tools. This move positions Ripple as a key bridge between crypto and TradFi, offering comprehensive prime brokerage services to major clients. Ripple Prime introduces OTC spot execution for prominent cryptocurrencies and stablecoins, including XRP and RLUSD. The platform integrates spot trades with derivatives, swaps, and futures for efficient cross-margining. Following the acquisition of Hidden Road, Ripple enhances its global infrastructure for multi-asset prime brokerage, supporting FX, fixed income, and crypto spot trading. Ripple Prime launch revolutionizes institutional crypto trading with OTC spot services for XRP and RLUSD. Discover how this bridges TradFi and digital assets—explore features and implications now. What is Ripple Prime and How Does Its Launch Impact Institutional Crypto Trading? Ripple Prime is Ripple’s newly launched institutional prime brokerage platform in the US, focusing on over-the-counter (OTC) spot trading for major digital assets, including its native token XRP and stablecoin RLUSD. Set to break ground on November…

Author: BitcoinEthereumNews

2025/11/04

Milk Mocha $HUGS Whitelist Officially Ends: Step Into the Most Heartwarming Crypto Presale of 2025

Milk Mocha $HUGS Whitelist Officially Ends: Step Into the Most Heartwarming Crypto Presale of 2025

The whitelist for Milk Mocha’s $HUGS has officially closed after reaching its limit within just hours. Fans and global participants […] The post Milk Mocha $HUGS Whitelist Officially Ends: Step Into the Most Heartwarming Crypto Presale of 2025 appeared first on Coindoo.

Author: Coindoo

2025/11/04

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