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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.

15502 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Researcher Highlights Ripple’s Advantage Over SWIFT, Stellar, and Algorand in Payments

Researcher Highlights Ripple’s Advantage Over SWIFT, Stellar, and Algorand in Payments

A PM Insights report highlighted by SMQKE shows Ripple as the top integrated blockchain platform. Stellar, Algorand, and SWIFT are described as handling narrower or legacy functions. Ripple’s focus on compliance and scalability is driving its institutional adoption. Crypto researcher SMQKE has drawn attention to an analysis suggesting that Ripple maintains a clear competitive edge over Stellar, Algorand, and SWIFT in the blockchain payments sector.  The findings, originally published by PM Insights, emphasize Ripple’s dominance in unifying core financial functions under one scalable platform. Ripple’s Integrated Framework Outpaces Competitors According to the report, the blockchain payments market is divided between “point solutions” and “integrated platforms.” Ripple is identified as the leader in the latter category, offering a comprehensive infrastructure that combines real-time settlements, digital asset custody, and stablecoin liquidity — all within a single system. This multi-layered approach appeals to banks and enterprises seeking compliance-first solutions and reliable cross-border settlement rails. Also Read: Big News: Ripple acquires Palisade to expand institutional crypto custody services RIPPLE HOLDS CLEAR ADVANTAGE OVER STELLAR, ALGORAND, AND SWIFT IN BLOCKCHAIN PAYMENTS Ripple’s advantage comes from being the ONLY platform that unites real time settlements, digital asset custody, and stablecoin liquidity in ONE SYSTEM. While Stellar, Algorand, and… pic.twitter.com/t9xdEXK0xf — SMQKE (@SMQKEDQG) November 3, 2025 Stellar, Algorand, and SWIFT Limited to Narrower Roles In contrast, Stellar and SWIFT are described as serving more specialized functions — with Stellar focusing on remittances and SWIFT remaining tied to legacy financial messaging systems. Meanwhile, IBM Blockchain and Algorand are recognized for enterprise-focused innovations like tokenization and smart contracts, but the report notes they “lack payment-specific optimization.” The analysis highlights that Ripple’s institutional success is powered by its dual focus on technical scalability and regulatory alignment. This combination positions Ripple to meet the evolving needs of programmable finance, making it a preferred infrastructure choice for financial institutions pursuing blockchain integration at scale. Market Context: Ripple Expands Institutional Reach The findings come at a time when Ripple continues to expand its global footprint, with major partnerships and acquisitions announced in recent weeks. Analysts say Ripple’s integrated approach, blending compliance, liquidity, and interoperability, sets it apart in a sector often fragmented by niche providers. SMQKE’s commentary echoes the sentiment of the report: while others tackle specific aspects of blockchain finance, Ripple’s full-stack infrastructure may solidify its leadership in the institutional payments space. Also Read: Bitwise and Grayscale Race Ahead With XRP and DOGE ETFs as SEC Faces Shutdown The post Researcher Highlights Ripple’s Advantage Over SWIFT, Stellar, and Algorand in Payments appeared first on 36Crypto.

Author: Coinstats

2025/11/04

DRW and Liberty City Lead $540M Push Into Tokenized Finance

DRW and Liberty City Lead $540M Push Into Tokenized Finance

The post DRW and Liberty City Lead $540M Push Into Tokenized Finance appeared on BitcoinEthereumNews.com. Fintech Two major investment firms – DRW Holdings, led by veteran trader Don Wilson, and Liberty City Ventures – are moving deeper into the digital asset economy with a high-profile deal involving Tharimmune Inc., a publicly traded vehicle designed to accumulate blockchain-based tokens on its balance sheet. Under the newly announced subscription agreement, the two firms will inject roughly $540 million into Tharimmune through a private placement priced at $3.075 per share. The transaction is set to close around November 6, marking one of the largest token-related corporate financing efforts of 2025. Building a Public Gateway for Digital Tokens Tharimmune’s new focus is centered on Canton Coin, the native token of the Canton blockchain, which was developed by Digital Asset Holdings – a company backed by major financial players including Goldman Sachs, Citadel Securities, and DRW itself. The blockchain aims to serve as a fully regulated infrastructure for institutional-grade financial transactions, blending the transparency of public ledgers with the compliance frameworks of traditional finance. By acquiring and holding Canton Coins, Tharimmune will operate similarly to a digital asset treasury company, a model inspired by Michael Saylor’s Strategy, the largest corporate holder of Bitcoin. Like Saylor’s firm, Tharimmune aims to give investors indirect exposure to blockchain assets through traditional equity markets. Growing Institutional Interest This latest investment marks a continuation of a trend where Wall Street trading firms are seeking structured, publicly listed vehicles to participate in blockchain ecosystems. Earlier this year, DRW and Liberty City joined a $135 million funding round for Digital Asset alongside other financial heavyweights. Shares of Tharimmune jumped 4.6% on Monday in New York after the deal was announced, signaling investor enthusiasm for the company’s pivot toward blockchain-based assets. Bloomberg first reported last week that the two firms were in discussions to raise around $500 million…

Author: BitcoinEthereumNews

2025/11/04

Crypto News: DRW and Liberty City Lead $540M Push Into Tokenized Finance

Crypto News: DRW and Liberty City Lead $540M Push Into Tokenized Finance

Under the newly announced subscription agreement, the two firms will inject roughly $540 million into Tharimmune through a private placement […] The post Crypto News: DRW and Liberty City Lead $540M Push Into Tokenized Finance appeared first on Coindoo.

Author: Coindoo

2025/11/04

Australian Dollar weakens post-RBA, eyes on comments from central bankers

Australian Dollar weakens post-RBA, eyes on comments from central bankers

The post Australian Dollar weakens post-RBA, eyes on comments from central bankers appeared on BitcoinEthereumNews.com. Here is what you need to know on Tuesday, November 4: The Australian Dollar (AUD) stays under bearish pressure early Tuesday as investors assess the Reserve Bank of Australia’s (RBA) monetary policy announcements. In the second half of the day, market participants will pay close attention to comments from central bank officials of major economies. US Dollar Price This week The table below shows the percentage change of US Dollar (USD) against listed major currencies this week. US Dollar was the strongest against the New Zealand Dollar. USD EUR GBP JPY CAD AUD NZD CHF USD 0.02% -0.02% -0.41% 0.34% 0.49% 0.74% 0.30% EUR -0.02% -0.03% -0.35% 0.34% 0.47% 0.73% 0.28% GBP 0.02% 0.03% -0.46% 0.37% 0.50% 0.76% 0.32% JPY 0.41% 0.35% 0.46% 0.73% 0.88% 1.14% 0.83% CAD -0.34% -0.34% -0.37% -0.73% 0.08% 0.38% -0.05% AUD -0.49% -0.47% -0.50% -0.88% -0.08% 0.26% -0.19% NZD -0.74% -0.73% -0.76% -1.14% -0.38% -0.26% -0.44% CHF -0.30% -0.28% -0.32% -0.83% 0.05% 0.19% 0.44% The heat map shows percentage changes of major currencies against each other. The base currency is picked from the left column, while the quote currency is picked from the top row. For example, if you pick the US Dollar from the left column and move along the horizontal line to the Japanese Yen, the percentage change displayed in the box will represent USD (base)/JPY (quote). The RBA announced on Tuesday that it left the policy rate unchanged at 3.6%, as widely anticipated. In the policy statement, the RBA noted that it expects the trimmed mean inflation to average 3.2% through mid-2026, easing to 2.7% by December 2026 and 2.6% by the end of 2027. While speaking on the policy outlook in the post-meeting press conference, RBA Governor Michele Bullock said that they did not consider a rate cut at this meeting…

Author: BitcoinEthereumNews

2025/11/04

Stream Finance suspends withdrawals following $93M loss, launches investigation

Stream Finance suspends withdrawals following $93M loss, launches investigation

The post Stream Finance suspends withdrawals following $93M loss, launches investigation appeared on BitcoinEthereumNews.com. DeFi protocol Stream Finance has halted all deposits and withdrawals following a major loss. Summary Stream Finance has suspended all deposits and withdrawals until further notice after the external fund manager reported a $93 million loss. The firm has engaged Perkins Coie LLP, a top law firm in blockchain, to lead the investigation. Stream’s stablecoin XUSD has lost its peg, trading around $0.50 and causing widespread concern. Analysts estimate total debt exposure, including lenders and users, may exceed $280 million. Decentralized finance platform Stream Finance has suspended deposits and withdrawals after suffering a $93 million loss, prompting concerns across the DeFi community and triggering a formal investigation. The protocol, known for offering capital-efficient strategies by combining traditional finance tools with DeFi innovation, disclosed via X that the losses originated from an external fund manager overseeing its assets. As a result, Stream Finance has engaged blockchain-focused law firm Perkins Coie LLP to lead a comprehensive investigation into the incident. Stream stated that attorneys Keith Miller and Joseph Cutler will oversee the inquiry, reflecting the firm’s emphasis on transparency and governance. The team is also in the process of withdrawing all liquid assets and has pledged to keep stakeholders updated with new developments.  “Until we are able to fully assess the scope and causes of the loss, all withdrawals and deposits will be temporarily suspended. Any pending deposits will not be processed at this time,” Stream Finance added. The platform’s native stablecoin, StakedStreamUSD (XUSD), lost its peg in the aftermath of the disclosure, plunging to approximately $0.50, adding to user concerns. The depegging has not only affected XUSD holders, but also other synthetic tokens under the Stream umbrella such as xBTC and xETH.  Market participants and investors who depend on the protocol for trading and long-term holdings have expressed alarm over the…

Author: BitcoinEthereumNews

2025/11/04

Moonwell lending contract attacked, attackers profit 295 ETH.

Moonwell lending contract attacked, attackers profit 295 ETH.

PANews reported on November 4th that, according to CertiK monitoring, the Moonwell lending contract was attacked by multiple transactions. The attackers exploited a faulty oracle's returned wrst price (approximately $5.8 million) to repeatedly borrow more than 20 wstETH by flash-borrowing only about 0.02 wrstETH and depositing it, thereby profiting 295 ETH (approximately $1 million).

Author: PANews

2025/11/04

Hybrid models or culture clash?

Hybrid models or culture clash?

The post Hybrid models or culture clash? appeared on BitcoinEthereumNews.com. Homepage > News > Business > DeFi Meets TradFi: Hybrid models or culture clash? One of the key topics at the London Blockchain Conference 2025 was the regulatory alignment happening across the world. Finally, lawmakers from the USA to Africa, Asia, and beyond are drafting legislation that allows traditional finance to enter the blockchain space. But as the big banks, financial institutions, and players bring their capital to the table, things will change. Can the two find a hybrid model, or will DeFi simply become TradFi as the big money moves in? Let’s explore. The philosophical divide: institution vs ideology Traditional finance, which we’ll refer to as TradFi from here on in, tends to be trust-based, hierarchical, compliance-driven, and risk-averse. DeFi, on the other hand, aims to be permissionless, trustless, global, and anti-gatekeeping. In short, one is institutional and the other is ideological. That’s an obvious culture clash, and there’s no easy compromise. The divide has already been seen in the industry, and the battle lines have been drawn. Protocols like Aave and Compound have experimented with KYC’d institutional pools, and while they bring liquidity, many argue they defeat the purpose of DeFi in the first place. Despite the apparent culture clash, big lenders aren’t deterred. Marcus Van Abbé, Head of Digital Market Infrastructure at R3, told the London Blockchain Conference that DeFi liquidity is now enough to entice firms off private blockchains nd onto public alternatives. Regulatory compatibility vs innovation speed While code is not and never can be law, much of the early innovation in DeFi came from building things and figuring out the compliance later. This obviously won’t fly in a world where major capital from regulated financial firms is at stake. This raises the question—can the innovation fostered in a “build it now and figure it…

Author: BitcoinEthereumNews

2025/11/04

This $0.035 Token Mirrors Dogecoin’s (DOGE) Viral Spark from Years Past. Is It the Crypto to Buy Now?

This $0.035 Token Mirrors Dogecoin’s (DOGE) Viral Spark from Years Past. Is It the Crypto to Buy Now?

One may recall the tremendous growth of Dogecoin in the years 2020 and 2021, where the meme coin started from nowhere to somewhere after appreciating from a price level of $0.0023 in the early days of 2020 to a staggering level of $0.7376 in May 2021, providing an enormous return on investment for investors who […]

Author: Cryptopolitan

2025/11/04

Unsecured stablecoin lending: a vision

Unsecured stablecoin lending: a vision

Article author: haonan Article compiled by: Block unicorn Foreword Users of the global unsecured consumer credit market are like fat sheep in modern finance—slow to act, lacking judgment, and lacking mathematical ability. As unsecured consumer credit shifts to the stablecoin track, its operating mechanism will change, and new participants will have the opportunity to get a share of the pie. Huge market In the United States, the primary form of unsecured lending is credit cards: this ubiquitous, highly liquid, and instantly available credit instrument allows consumers to borrow money without providing collateral when making purchases. Outstanding credit card debt continues to grow and has now reached approximately $1.21 trillion. outdated technology The last major transformation in the credit card lending sector occurred in the 1990s when Capital One introduced a risk-based pricing model, a groundbreaking move that reshaped the landscape of consumer credit. Since then, despite the emergence of numerous new banks and fintech companies, the structure of the credit card industry has remained largely unchanged. However, the emergence of stablecoins and on-chain credit protocols has brought new foundations to the industry: programmable money, transparent markets, and real-time funding. They promise to ultimately disrupt this cycle, redefining how credit is generated, financed, and repaid in a digital, borderless economic environment. In today's bank card payment systems, there is a time lag between authorization (transaction approval) and settlement (the issuing institution transferring funds to the merchant through the card network). By moving the funds processing flow onto the blockchain, these receivables can be tokenized and financed in real time. Imagine a consumer purchases goods worth $5,000. The transaction is immediately authorized. Before settling with Visa or Mastercard, the issuing institution tokenizes the receivables on-chain and receives $5,000 worth of USDC from a decentralized credit pool. Once settlement is complete, the issuing institution sends these funds to the merchant. Subsequently, when the borrower makes a repayment, the repayment amount will be automatically returned to the on-chain lender via a smart contract. Again, the entire process is conducted in real time. This approach enables real-time liquidity, transparent funding sources, and automatic repayments, thereby reducing counterparty risk and eliminating many of the manual processes that still exist in today's consumer credit. From securitization to fund pooling For decades, the consumer credit market has relied on deposits and securitization to enable large-scale lending. Banks and credit card issuers package thousands of receivables into asset-backed securities (ABS) and then sell them to institutional investors. This structure provides ample liquidity but also introduces complexity and opacity. "Buy Now, Pay Later" (BNPL) lenders like Affirm and Afterpay have demonstrated the evolution of credit approval processes. Instead of offering a universal credit line, they review each transaction at the point of sale, differentiating between a $10,000 sofa and a $200 pair of sneakers. This transaction-level risk control produces standardized, divisible accounts receivable, with each receivable having a clearly defined borrower, term, and risk profile, making it an ideal choice for real-time matching through on-chain lending pools. On-chain lending can be further expanded by creating dedicated credit pools tailored to specific borrower demographics or product categories. For example, one credit pool could fund small transactions for high-quality borrowers, while another could specifically offer travel installment plans for less-than-ideal consumers. Over time, these pools of funds may evolve into targeted credit markets that enable dynamic pricing and provide transparent performance metrics for all participants. This programmability opens the door to more efficient capital allocation, better interest rates for consumers, and the establishment of an open, transparent, and instantly auditable global market for unsecured consumer credit. Emerging on-chain credit stack Reimagining unsecured lending for the on-chain era is not simply about porting credit products to the blockchain; it requires fundamentally rebuilding the entire credit infrastructure. Beyond card issuers and processors, the traditional lending ecosystem relies on a complex network of intermediaries: We need new ways of credit scoring. Traditional credit scoring systems, such as FICO and VantageScore, may be ported to the blockchain, but decentralized identity and reputation systems may play a greater role. Lenders will also need credit assessments, which are equivalent to ratings from S&P, Moody's, or Fitch, to evaluate approval quality and repayment performance. Finally, the less visible but crucial aspects of loan collection also need improvement. Stablecoin-denominated debt still requires enforcement mechanisms and recovery processes that combine on-chain automation with off-chain legal frameworks. Stablecoins have bridged the gap between fiat currency and on-chain spending. Lending protocols and tokenized money market funds are redefining savings and returns. Bringing unsecured credit on-chain completes this triangle, enabling consumers to borrow seamlessly and investors to fund credit in a transparent manner—all powered by open financial infrastructure.

Author: PANews

2025/11/04

5 Crypto Critters Leading the Best 100x Altcoin in 2025

5 Crypto Critters Leading the Best 100x Altcoin in 2025

The post 5 Crypto Critters Leading the Best 100x Altcoin in 2025 appeared on BitcoinEthereumNews.com. Crypto Presales Discover La Culex, Dogecoin, Shiba Inu, Pepe & Pudgy Penguins as top contenders for the best 100x altcoin in 2025. Explore presales, memes & upside. Ever notice how the tiniest things can ruin your day, a stubbed toe, a slow Uber, or a mosquito buzzing like a tiny jazz band at 2 a.m.? Now imagine that tiny nuisance making you rich enough to retire tomorrow. That’s the power of memes in crypto 2025. A bite at a presale like La Culex ($CULEX) could turn a small stake into massive gains, making it a prime contender for the best 100x altcoin in 2025. Life’s little annoyances often hide unexpected treasures, and meme coins turn that idea into reality. A single mosquito bite might be irritating, but a swarm can be transformative, just like early-stage presales in November, the so-called “crypto shopping month.” Investors buzzing around these coins are chasing more than digital tokens; they’re chasing the dream of never having to set foot in a cubicle again, all while enjoying the absurd, playful side of finance. November 2025 is shaping up to be a playground for those who love mischief, memes, and money-making chaos. Presales are like mosquito traps filled with opportunity: small, easy to miss, but packed with potential. Whether it’s La Culex’s clever staking mechanics, Pepe’s viral hype, or Pudgy Penguins’ hybrid culture-token approach, these coins are all about fun, mischief, and maybe, just maybe, turning a tiny investment into a sweet sting of prosperity. Buckle up, grab your virtual fly swatter, and get ready to dive into the hunt for the best 100x altcoin in 2025, where memes meet mechanics, mosquitoes meet money, and the smallest bites might just deliver the biggest gains. La Culex: Small, Annoying, and Surprisingly Riching La Culex ($CULEX) has buzzed into the spotlight as…

Author: BitcoinEthereumNews

2025/11/04

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