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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.

15250 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Swiss bank Sygnum partners with Debifi to launch multi-sig Bitcoin loan platform

Swiss bank Sygnum partners with Debifi to launch multi-sig Bitcoin loan platform

The post Swiss bank Sygnum partners with Debifi to launch multi-sig Bitcoin loan platform appeared on BitcoinEthereumNews.com. Sygnum has partnered with Debifi to launch MultiSYG, a first-of-its-kind loan platform allowing borrowers to retain partial control of their Bitcoin collateral through a secure multi-sig wallet. Summary MultiSYG is designed for institutional and high-net-worth clients seeking secure, regulated access to bitcoin-backed loans. Collateral movements will require three of five signatures, preventing rehypothecation and ensuring on-chain transparency. MultiSYG: shared-control Bitcoin lending for institutions Swiss digital asset institution Sygnum Bank has announced a partnership with Bitcoin (BTC) lending startup Debifi to develop MultiSYG, a loan platform that allows borrowers to retain partial control of their BTC collateral. Set to launch in the first half of 2026, MultiSYG aims to provide institutional and high-net-worth clients with a secure alternative to traditional crypto lending, where full custody of assets is typically surrendered to the lender. The platform operates through a multi-signature wallet system that requires approval from three of five signatories — including Sygnum, the borrower, and independent parties — for any movement of collateral. This setup is designed to prevent rehypothecation — a financial practice where a lender or custodian reuses collateral that a borrower has pledged — often without the borrower’s active involvement — to back another loan or transaction. By implementing this shared-control model, Sygnum and Debifi aim to eliminate the single points of failure that have previously led to major losses in centralized lending platforms. Borrowers will be able to verify the existence and status of their BTC collateral on-chain throughout the whole duration of the loan. According to Debifi CEO Max Kei, the initiative reflects a growing demand for non-custodial lending solutions that combine blockchain transparency with regulated banking standards. “Borrowers shouldn’t need to trust a custodian blindly,” said Debifi CEO Max Kei in a statement. “[This] combines the best of both worlds — the ability to hold…

Author: BitcoinEthereumNews

2025/10/24

JPMorgan to Accept Bitcoin and Ethereum as Collateral for Institutional Loans

JPMorgan to Accept Bitcoin and Ethereum as Collateral for Institutional Loans

The post JPMorgan to Accept Bitcoin and Ethereum as Collateral for Institutional Loans appeared on BitcoinEthereumNews.com. Bitcoin JPMorgan Chase, the world’s largest bank by market value, is reportedly preparing to let institutional clients pledge Bitcoin and Ethereum as collateral for loansc – a move that would mark one of the deepest integrations of digital assets into the traditional banking system to date. For years, JPMorgan’s stance toward crypto was defined by skepticism, particularly from its CEO Jamie Dimon, who once dismissed Bitcoin as “a pet rock.” But under mounting client demand and shifting political sentiment in Washington, the bank now appears ready to embrace the sector it once kept at arm’s length. According to sources close to the matter, the initiative is expected to roll out by the end of 2025 and will rely on third-party custodians to safeguard digital assets pledged as collateral. This will allow large investors and corporations to borrow against their crypto holdings without liquidating them – a capability long requested by institutional clients seeking liquidity while maintaining exposure to Bitcoin and Ethereum. A New Layer in Wall Street’s Crypto Strategy The plan extends JPMorgan’s earlier experiment of accepting crypto-linked ETFs as collateral and signals that digital assets are being gradually absorbed into the same risk and lending frameworks used for equities, bonds, and commodities. The timing is notable: Bitcoin recently hit an all-time high above $126,000, while the Trump administration’s pro-crypto policies and ongoing deregulation have emboldened U.S. banks to move deeper into digital asset finance. What was once considered a volatile fringe market is now being redefined as a viable part of global capital structure. Competitors Join the Race JPMorgan isn’t alone. A wave of major financial institutions – including Morgan Stanley, BNY Mellon, State Street, and Fidelity – have all accelerated their digital asset initiatives this year. Morgan Stanley plans to open its E*Trade platform to crypto traders by…

Author: BitcoinEthereumNews

2025/10/24

Flare Network Unlocks $96 Million in DeFi Liquidity

Flare Network Unlocks $96 Million in DeFi Liquidity

The post Flare Network Unlocks $96 Million in DeFi Liquidity appeared on BitcoinEthereumNews.com. AltcoinsBlockchain Flare Network has reached a major milestone in its integration with the XRP ecosystem, bridging 40 million XRP – worth roughly $96 million – through its decentralized FXRP protocol. The achievement cements Flare’s position as the largest project in the growing XRPFi sector, which focuses on bringing XRP utility to decentralized finance. 40M XRP ($96M USD) bridged as FXRP makes Flare the largest XRPFi project. This is only the beginning. Higher! — Hugo Philion (@HugoPhilion) October 23, 2025 XRP Gains a DeFi Utility Layer At the core of this development is FXRP, a system that allows XRP holders to convert their tokens into a DeFi-compatible version without relinquishing control. Once converted, these tokens can be staked, lent, or placed in liquidity pools across Flare’s smart contract infrastructure. Unlike centralized custodial bridges, FXRP operates through a decentralized network of validators and agents who maintain collateral to ensure system stability. This design allows users to redeem their original XRP at any time while benefiting from DeFi yields and liquidity opportunities. Strengthening the XRP–Flare Connection The partnership between Flare and the XRP Ledger (XRPL) has unlocked a new level of interoperability. Every cross-chain transfer through FXRP contributes to transaction volume and enhances network utility on both sides. Upcoming smart accounts on the XRP Ledger are expected to deepen this integration, giving users direct access to on-chain yield and lending options without requiring interaction with the EVM layer This advancement is seen as a crucial step toward making XRP a fully functional asset within decentralized finance. FXRP is already finding traction on decentralized exchanges, where it improves XRP liquidity and enables new borrowing opportunities. By letting users borrow against their XRP holdings instead of selling them, the system helps investors maintain exposure while avoiding taxable events. Institutional Onboarding and Ecosystem Expansion Flare’s developers…

Author: BitcoinEthereumNews

2025/10/24

XRP News: Flare Network Unlocks $96 Million in DeFi Liquidity

XRP News: Flare Network Unlocks $96 Million in DeFi Liquidity

The achievement cements Flare’s position as the largest project in the growing XRPFi sector, which focuses on bringing XRP utility […] The post XRP News: Flare Network Unlocks $96 Million in DeFi Liquidity appeared first on Coindoo.

Author: Coindoo

2025/10/24

MUTM Near $18M In Presale Being Called as the Best Crypto to Buy Now

MUTM Near $18M In Presale Being Called as the Best Crypto to Buy Now

Mutuum Finance presale nears $18M as investors call MUTM the best crypto to buy now, driven by its audited DeFi lending model, strong demand, and 15x return potential.

Author: Blockchainreporter

2025/10/24

Are Crypto Liquidity Providers Involved in Trading?

Are Crypto Liquidity Providers Involved in Trading?

Crypto liquidity providers (LPs) provide liquidity. That much is obvious. They do so on behalf of centralized and decentralized exchanges as well as for specific token projects. That much is also obvious. But is their role a passive one in which they simply supply the liquidity for the rest of the market to use, or [...]]]>

Author: Crypto News Flash

2025/10/24

Bitcoin Loans: Bank-Backed MultiSYG with 5-Party Multi-Sig Control

Bitcoin Loans: Bank-Backed MultiSYG with 5-Party Multi-Sig Control

Sygnum and Debifi unveil MultiSYG, a bank-backed non-custodial bitcoin loans platform for institutions and high-net-worth borrowers.

Author: The Cryptonomist

2025/10/24

China Advances Renminbi Internationalization with Quadrupled Overseas Assets

China Advances Renminbi Internationalization with Quadrupled Overseas Assets

The post China Advances Renminbi Internationalization with Quadrupled Overseas Assets 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 → China’s push for renminbi (RMB) internationalization has quadrupled overseas RMB lending, bonds, and deposits by Chinese banks to RMB3.4 trillion ($480 billion) in five years, aiming to reduce U.S. dollar dependence amid global sanctions and promote RMB in trade and finance. Overseas RMB assets surge: Fixed-income holdings by foreign banks reached $1.5 trillion, with RMB-denominated assets at $484 billion. RMB trade finance share grows to 7.6%, second only to the dollar, driven by China’s offshore clearing banks and swap lines. CIPS payments exceed RMB40 trillion quarterly, signaling a shift from Western systems; however, RMB holds just 2.1% of global reserves per IMF data. Discover how China’s RMB internationalization strategy challenges dollar dominance with surging overseas assets and trade settlements. Explore impacts on global finance and investment opportunities today. What is China’s Strategy for Renminbi Internationalization? China’s renminbi internationalization involves a deliberate, long-term effort by central planners to integrate the RMB into global trade, finance, and reserves, reducing reliance on the U.S. dollar. This strategy includes expanding overseas lending, bond issuances, and payment systems like CIPS to ensure uninterrupted trade…

Author: BitcoinEthereumNews

2025/10/24

Beijing accelerates de-dollarization as global yuan loans hit new record

Beijing accelerates de-dollarization as global yuan loans hit new record

The post Beijing accelerates de-dollarization as global yuan loans hit new record appeared on BitcoinEthereumNews.com. China just smashed another milestone in its war on dollar dominance. Official figures show overseas renminbi lending, bond investments, and deposits by Chinese banks have quadrupled in five years, hitting RMB3.4 trillion (roughly $480 billion). This is a full-blown, long-term campaign to cut down exposure to the US dollar and force its own currency deeper into global finance. China’s central planners have made it clear: they want the renminbi to matter on the world stage, especially in trade and sovereign credit.One big reason? U.S. and EU sanctions are targeting Chinese banks for alleged ties to Russian weapons parts. China is trying to guarantee it can keep trading uninterrupted, no matter what Washington or Brussels do. “From China’s perspective, [settlement in renminbi] is important because it shows that no matter what happens, it can still trade,” said Adam Wolfe from Absolute Strategy Research in London. China expands bond channels and trade financing to build RMB dominance According to China’s State Administration of Foreign Exchange, fixed-income assets held by banks outside the country more than doubled over the past decade, jumping to $1.5 trillion, with RMB-denominated assets now at $484 billion. That includes $360 billion in loans and deposits, up from just $110 billion in 2020. The Bank for International Settlements says renminbi loans to emerging markets spiked by $373 billion between 2020 and 2024.“The year 2022 marked a turning point away from dollar- and euro-denominated credit and towards renminbi-denominated credit,” the BIS said. Countries like Kenya, Angola, and Ethiopia have already swapped old dollar debts into RMB. Indonesia and Slovenia plan to issue RMB bonds, and Kazakhstan sold RMB2 billion in offshore bonds at a 3.3% yield last month. The currency’s share of global trade finance jumped from under 2% to 7.6% over just three years, Swift reported, making it the…

Author: BitcoinEthereumNews

2025/10/24

Swiss Bank Sygnum to Launch Bitcoin-Backed Loan Platform With Multi-Sig Wallet Control

Swiss Bank Sygnum to Launch Bitcoin-Backed Loan Platform With Multi-Sig Wallet Control

The offering, developed with non-custodial BTC lending startup Debifi, targets institutions and high-net worth borrowers who don't want to give up control of their assets.

Author: Coinstats

2025/10/24

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