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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.

15172 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Ripple CTO Clarifies Advisory Role in XRP Treasury Vehicle’s $1B Nasdaq Push

Ripple CTO Clarifies Advisory Role in XRP Treasury Vehicle’s $1B Nasdaq Push

The post Ripple CTO Clarifies Advisory Role in XRP Treasury Vehicle’s $1B Nasdaq Push 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 → Evernorth is a new XRP treasury vehicle launched through a merger with Armada Acquisition Corp II, aiming to raise over $1 billion via Nasdaq listing. Ripple CTO David Schwartz will advise the project without full-time commitment, while executive Asheesh Birla steps in as CEO to build a diversified crypto portfolio centered on XRP. Key Development: Evernorth’s Nasdaq Plans – Targets $1 billion raise to acquire and hold XRP, mirroring traditional treasury strategies in crypto. Evernorth operates as a merger entity focused on absorbing XRP supply from open markets for long-term holding. Ripple Leadership Involvement: Includes advisory from David Schwartz and CEO role for Asheesh Birla, backed by institutional finance structures. Discover Evernorth XRP treasury vehicle: Ripple’s David Schwartz advises on $1B Nasdaq-listed initiative. Learn how it positions XRP for institutional growth. Read now for expert insights and market impact. What is the Evernorth XRP Treasury Vehicle? The Evernorth XRP treasury vehicle is an innovative financial entity formed through the merger of a specialized crypto firm with Armada Acquisition Corp II, designed to raise over $1 billion through a Nasdaq…

Author: BitcoinEthereumNews

2025/10/21

The “truth” behind crypto pessimism: profitability struggles, not a lack of innovation

The “truth” behind crypto pessimism: profitability struggles, not a lack of innovation

Author: MONK Compiled by Tim, PANews Over the past year, crypto Twitter has been flooded with crypto natives lamenting the state of the industry and downplaying the value of innovation within our sector and asset class. While these criticisms do point to objective facts and often reflect the real challenges facing the crypto space, I believe this pessimism has gone too far, swerving into a doomsday narrative. In my view, crypto pessimism, while well-intentioned, is a dangerous and misguided mindset that has become rampant. This article will challenge this pessimism by examining the current stage of development, which shows that the reality is not as bleak as some have portrayed. First, let's establish some common ground: Most current tokens and token economics have design flaws The increasing number of low-quality project builders is diluting the value of real builders Fraud and money-making methods are emerging in an endless stream The truly valuable protocols in the entire crypto space only account for a very small proportion Tokens with investment value are rare Protocol governance is often inefficient The industry still has a lot of legacy issues that need to be resolved The root causes of these problems mainly lie in the following aspects: We are at a stage where the regulatory framework is still unclear Encryption technology has significantly lowered the threshold for asset creation and acquisition However, in the process of industry development, there has always been a phenomenon of making improper behaviors profitable. Fortunately, these problems can be solved, or are the inevitable product of the development of an open but immature industry. Deep down, I think we all understand this. I believe the real reason for the recent continued and escalating pessimism in the crypto market is that it is becoming increasingly difficult for market participants to achieve excess returns, leading to a kind of frustration and impatience that feels like a blunt knife cutting flesh. This pessimism has nothing to do with a lack of innovation, but rather stems entirely from the poor structure of crypto assets. Let’s review our achievements: I believe these crypto products have found product-market fit, or at least paved the way for crypto verticals to achieve product-market fit. While there aren't many of these products, with each construction cycle, as infrastructure improves and knowledge compounds, we're creating more products with real value. Some of you might see this chart and realize that good things come to those who wait, and that the actual trajectory isn't as bad as initially thought. On the other hand, some might dismiss it and say, "That's no big deal." For the latter, let me show you: You probably don't recognize them. These are vintage homepages from the early days of dot-coms. Of course, they were nothing like the internet we know and love today. The following are some examples of listed companies that have failed since the bursting of the Internet bubble (source: Wikipedia): Amazon's stock price plummeted from a high of $107 to a low of $7 in two years, a drop of more than 90%, and did not recover until 2010. The number of actual "failures" in venture capital is orders of magnitude higher. Thousands of companies have failed to IPO, potentially leaving venture capitalists with a significant portion of their profits. Fortunately, we finally found these benchmark companies: Amazon – Founded on July 5, 1994 Netflix – Founded on August 29, 1997 PayPal — Founded in December 1998 Google — Founded on September 4, 1998 Facebook — Founded on February 4, 2004 Likewise, AI deserves the spotlight as an innovative technology category and growth narrative, but I wouldn’t be surprised if we see the same power law survival dynamic a decade from now. These are the top AI startups that emerged from Israel in 2020. If 99.9% of speculators in the top tech categories fail, why is this phenomenon so painful in the crypto field? This is because we've turned nearly every project into a venture capital investment, slapping a publicly traded ticker symbol on every project. We've allowed any developer to launch viable, investable "startups" without due diligence, leading to a massive expansion in the number of investable "companies." This has exposed a large number of retail investors to the low-probability nature of investing in this asset class, only exacerbating the growing negative sentiment towards cryptocurrencies. Imagine if every internet entrepreneur could raise money directly from a group of enthusiastic retail investors with a semi-finished project, skipping the seed round, private placement, and IPO process. And imagine adding a platform like Pump.fun, eliminating the need for a product. Of course, our asset class will be filled with minefields, with stocks poised to plummet 90%. What achievements have we made? Today, Bitcoin is a $2 trillion asset, just 16 years after it was launched as a cypherpunk pipe dream by an unidentified founder. In the decade since we first had a programmable smart contract platform: We built a peer-to-peer internet that can withstand a World War III-level attack, protecting trillions of dollars in value. We’ve built an upgraded network that’s far superior to its predecessor, enabling permissionless asset creation with a single click and supporting billions of dollars in decentralized spot trading volume every day. We enable the world to hold tokenized dollars and transfer any amount to anyone, instantly, at near-zero cost. We bring basic financial functions such as lending and passive income into the on-chain world. We have built a transparent, borderless, and identity-free derivatives trading platform with trading volume comparable to Robinhood, and returns almost all of the revenue to token holders. We are reshaping the market structure, creating new models for buying and selling long and short assets, and pioneering new asset classes such as prediction markets and perpetual contracts. We make six-figure JPEG digital archives a reality. We’ve fostered absurd and vibrant online communities, where meme tokens are valued higher than publicly traded companies. We have pioneered new capital formation models such as ICO and bonding curves. We are exploring innovative ways to achieve financial and monetary privacy. As I often say, we have given anyone with internet access an emerging alternative to the financial system they are forced to accept based on their nationality. Our alternative is young, but it is freer, more open, and more fun. Every year, we provide the market with opportunities to invest in groundbreaking technologies at rock-bottom valuations. Investors simply need to sift through the deluge of information. We at Syncracy believe that the "FAANG" of crypto is beginning to emerge, and new viable competitors will emerge every year or two. I often use this quote to help us examine this industry: "Our intuition about the future is linear. But the reality of information technology is exponential, and that makes a world of difference. If I take 30 steps linearly, I only get to 30. If I take 30 steps exponentially, I get to a billion." - Ray Kurzweil, The Singularity Is Near: When Humans Transcend Biology We expect linear incremental progress in crypto every year and throw our money at a bunch of worthless hype, hoping this year will be more fruitful than previous years. This will ultimately lead to disappointment and losses for many. Even so, the constant doomsaying and criticism of project development is unjustified when every so-called "real" technology project goes through the same growing pains. It's just that in crypto, these pains are more acute because we all have a stake in them. Looking ahead ten years, none of us can accurately predict the trajectory of development, and I don't believe innovation will proceed along the timeline we envision. Some years may be uneventful, while others will be explosive. It's entirely possible that in three years, there will be 20 agreements that have achieved product-market fit, not just seven. To understand how the story of the internet pioneers ended, see the chart below. It took us 15 years to fully recover. But as we all know, what has happened since then is: Yet, just as the older generation, Wall Street elites, and senior members of the U.S. government are finally starting to pay attention and recognize cryptocurrency as a legitimate industry, many of us early adopters seem to be wavering in our belief in this mission. I strongly disagree. Bitcoin is still digital gold, and we are still building new financial cornerstones to make the world a better and more interesting place. For some of us, excess returns can still be achieved through a variety of investment channels. Choose crypto-optimism.

Author: PANews

2025/10/21

DeFi Crypto Goes Viral as Top ADA Alternative for 50x Gains

DeFi Crypto Goes Viral as Top ADA Alternative for 50x Gains

As investors search for the next breakout in decentralized finance, a $0.035 DeFi token is rapidly gaining attention as a high-potential alternative to Cardano (ADA). With the crypto market looking for strong fundamentals and innovative protocols, analysts and early adopters are asking what is the best cryptocurrency to invest in before the next bull cycle. […]

Author: Cryptopolitan

2025/10/21

PancakeSwap Joins Ondo’s Global Markets Alliance to Bridge RWA and DeFi

PancakeSwap Joins Ondo’s Global Markets Alliance to Bridge RWA and DeFi

PancakeSwap joins Ondo Finance’s Global Markets Alliance to enhance on-chain liquidity and expand access to tokenized assets.]]>

Author: Crypto News Flash

2025/10/21

South Korea's real-life "Squid Game": 14 million "ant colonies" plunge into cryptocurrency and leverage

South Korea's real-life "Squid Game": 14 million "ant colonies" plunge into cryptocurrency and leverage

By Sangmi Cha and Haram Lim Compiled by Luffy, Foresight News Tony Kim, a manager at a textile company in Seoul, will buy all of a stock if he likes it. Tony Kim, a 34-year-old father of two, never holds two stocks simultaneously in his 140 million won (US$98,500) portfolio. "Koreans, including me, are obsessed with that dopamine rush," he said. "It's like it's in our genes." Tony Kim For many retail investors, this move might seem reckless or a test of their ability to withstand pressure. But for South Korea's roughly 14 million retail investors, known as the "ant colony," it's just a glimpse into their desperate thirst for returns and their rising risk appetite. This eagerness is driving a near-record influx of funds into investment accounts. Over the past five years, South Korean retail investors have tripled their margin lending by increasing their positions through leverage. They have also poured into highly speculative leveraged and inverse exchange-traded funds (ETFs), accounting for as much as 40% of the total assets of some US-domiciled leveraged ETFs. Meanwhile, trading volumes in high-risk cryptocurrencies have soared to all-time highs. The frenzied trading of retail investors has not only reshaped markets but also made them an influential political force. The power and anxiety of these investors are so intense that they even forced the South Korean government to make its first policy reversal. While global markets are reaching historic highs due to a surge in AI infrastructure development, Korean retail investors, operating with high leverage, are extremely vulnerable. A sudden shift in market sentiment could instantly wipe out their speculative positions, further amplifying their losses. A similar turn of events occurred just over a week ago. The escalating US-China tariff dispute triggered a cryptocurrency crash, sending numerous altcoins plummeting to zero. South Korean retail investors are known for their heavy bets on small-cap tokens, which experience volatile prices. Altcoins now account for over 80% of total trading volume on South Korean cryptocurrency exchanges, a stark contrast to global platforms, where Bitcoin and Ethereum typically account for over 50% of trading volume. For many South Korean retail investors, all these high-risk investments aim for a single goal: to accumulate enough wealth in a fiercely competitive market to buy their own home. Koreans use the term "borrowing a soul" to describe this struggle, a term that accurately captures the emotional and financial pressures behind the dream of homeownership. Recent South Korean government policies have further exacerbated risk-taking among retail investors. Mortgage limits implemented by new President Lee Jae-myung and rental market reforms that have led to rising rents have made home ownership even more elusive. Last week, the government introduced several more measures to cool the overheated real estate market, including tightening loan limits in the greater Seoul area and reducing loan-to-value ratios for mortgaged properties. "Our parents' generation built their wealth thanks to the real estate boom of the Miracle on the Han River, but our generation hasn't had that same luck," said 36-year-old Kim Soo-jin, a former business consultant who used her entire severance pay to invest in cryptocurrencies. "About 30 people I know have 'graduated'—meaning they've made enough money to exit high-risk investments," she said. "I hope to 'graduate' one day, too." Han River in Seoul Buyer beware South Korean retail investors' upward momentum is evident across various markets. Since Donald Trump's victory in the US election last year, marking the start of his second term, trading volume on local cryptocurrency exchanges has skyrocketed, at one point accounting for 80% of the turnover of South Korea's benchmark Kospi index. Stablecoins pegged to fiat currencies have also attracted significant retail investment. Investors also flocked to leveraged and inverse ETFs, which use derivatives to magnify gains (and losses) by two to three times. Due to strict regulations in South Korea, such as simulated trading exercises and high margin requirements, retail investors flocked to overseas markets, and now they have become a major player in the global leveraged ETF market. Comparison of South Korean cryptocurrency exchange trading volume and Kospi index turnover The high-risk behavior of South Korean retail investors not only threatens household savings but also strains the financial system, threatening overall economic stability. As investors flock to high-yield, high-risk assets, traditional financial instruments are falling out of favor, and banks' access to funding is being squeezed. In the six weeks following July of this year, major South Korean banks lost nearly 40 trillion won (approximately $28.1 billion) in deposits. “In South Korea, investing is often treated as gambling rather than long-term planning—almost as brutal as Squidward TensorFlow,” said Choi Jae-won, an economics professor at Seoul National University. “Once the bubble bursts, individuals experience a negative wealth shock, and the problem worsens: a personal credit crisis, a decline in spending power, and ultimately, the impact on the entire national economy.” Regulators are equally concerned. "We are worried that if the market collapses, it will have an impact on retail assets and the overall economy," said Lee Yun-soo, a standing member of the Korea Securities and Futures Commission. Psychiatrists point out that the mental toll of high-risk investing is increasing. "Without inherited wealth, a Gangnam apartment (a property in Seoul's affluent district) is a luxury," says Park Jong-seok, who lost approximately $250,000 in investments and now runs a clinic specializing in treating those with investment addiction. "In this anxiety-ridden society, people are drawn to high-risk investments even when they know the risks. It's as if the system is pushing them forward, trapping them in an anxiety-driven cycle of investment addiction." Park Jong-seok "Zero Overnight" For some, the scars of an investment crash are difficult to heal. For example, 35-year-old Han Zhengxun experienced the euphoria of seeing his cryptocurrency wallet balance soar 30-fold to 6.6 billion won, but the 2022 Luna crash wiped out all that. TerraUSD was a failed stablecoin project launched by South Korean Do Kwon. In August, Do Kwon pleaded guilty to fraud, and the project's collapse wiped out approximately $40 billion in market value in a matter of days. "My 6.6 billion won in profits disappeared overnight, and in the end I only got back less than 6 million won," said Han Zhengxun. The crash completely changed his life. While he didn't completely abandon cryptocurrency, he distanced himself from high-risk investments and focused on meditation, even starting a YouTube channel to share his favorite breathing techniques. Today, he lives on the remote island of Jeju and occasionally travels to Bali for meditation. Han Zhengxun Even so, social media platforms like YouTube are still brimming with stories of bold and successful investments. Stories like a couple pouring their entire savings into Bitcoin and a 27-year-old university student earning tens of thousands of dollars a month through high-frequency trading are precisely the kind of bait that attracts investors like Tony Kim. Tony Kim currently holds all his holdings in stocks of companies like Nvidia and Tesla. "I've made money using leverage, and that feeling of easy profit is addictive," he said, recalling how he once "went from $900 to $13,000 overnight," only to lose it all in just three days. "You keep chasing that feeling of instant wealth."

Author: PANews

2025/10/21

Top AI Crypto Coins To Buy? Experts Rank 7 Contenders With 100x Potential

Top AI Crypto Coins To Buy? Experts Rank 7 Contenders With 100x Potential

The post Top AI Crypto Coins To Buy? Experts Rank 7 Contenders With 100x Potential appeared on BitcoinEthereumNews.com. The crypto market of October 2025 has entered a decisive phase. After months of correction and uncertainty, investors are once again searching for AI crypto coins to buy that can deliver exponential growth. As capital rotates out of slower-moving assets, attention is turning toward innovation-driven projects and presales offering massive upside potential. This renewed optimism follows a sharp rebound in trading volumes and institutional activity, suggesting that the next crypto coin to explode may already be among the early movers. Analysts have zeroed in on a select few, a blend of low-entry AI tokens and established giants expected to lead the charge into 2026. Among them, Blazpay ($BLAZ) has rapidly become a presale phenomenon, boasting one of the fastest-growing communities of any AI-integrated project this year. Meanwhile, Solana, TRON, XRP, Polkadot, Ethereum, and Hedera (HBAR) continue to demonstrate resilience, technological relevance, and potential for significant recovery. Let’s explore why these seven AI crypto coins to buy are dominating the conversation and why one project in particular may be the best 100x crypto opportunity on the market today. 1. Solana (SOL) – Consolidation Before a Breakout Solana currently trades around $184.08, down slightly from its yearly highs above $200. Analysts see this as a necessary consolidation phase, supported by a growing on-chain ecosystem and strong institutional attention. Technical charts show key support at $170 and resistance around $237-$253. If Solana sustains above $170, projections indicate potential movement toward $210-$295, making it one of the most stable crypto coins to buy for investors seeking scalability and growth. Recent participation in TechCrunch Disrupt 2025 has further cemented Solana’s relevance in the AI-blockchain convergence narrative, strengthening its case as a long-term leader and a contender for the best 100x crypto label. 2. Blazpay ($BLAZ) – The Presale Powerhouse Set to Disrupt DeFi Blazpay’s rapid…

Author: BitcoinEthereumNews

2025/10/21

Top Cryptos to Watch: Ethereum (ETH) and Mutuum Finance (MUTM) Are Going Viral

Top Cryptos to Watch: Ethereum (ETH) and Mutuum Finance (MUTM) Are Going Viral

Investors have turned their gaze toward Ethereum (ETH) and Mutuum Finance (MUTM) amid shifting crypto news today.

Author: Cryptodaily

2025/10/21

Solana Co-Founder Ventures Into Perpetual DEX Development: What You Should Know

Solana Co-Founder Ventures Into Perpetual DEX Development: What You Should Know

Anatoly Yakovenko, co-founder CEO of Solana Labs, has unveiled plans for a new decentralized exchange (DEX) named Percolator, designed as a sharded perpetuals protocol built directly on the Solana blockchain.  The platform aims to provide a self-custodial and high-speed solution for perpetual futures trading, allowing crypto traders to speculate on price movements without the limitation of expiry dates. Solana’s Percolator Documentation Released The documentation for Percolator was released on GitHub, where it is described as “implementation-ready.” It introduces two primary components: a Router and a Slab program.  The Router manages collateral, portfolio margins, and cross-slab routing, while the Slab program functions as a matching engine overseen by liquidity providers (LPs). Each slab operates independently, enabling what Yakovenko refers to as “fully self-contained matching and settlement.”  Related Reading: Analyst Uses AI To Show How The XRP Price Could Rally To $1,700 This design ensures that any issues arising from a particular slab do not affect users who have not interacted with it. Yakovenko emphasized the advantages of this architecture, stating: This design keeps each LP’s slab fully self-contained and innovable, while the Router guarantees atomic routing, portfolio netting, and capability-scoped safety.  The project’s GitHub repository already shows completed data structures for order books and memory pools, although the development of liquidation systems is still in progress. However, no official launch date has been announced. Competition In Derivatives Market Intensifies Currently, the Solana Foundation has not disclosed whether Percolator will receive formal ecosystem support or if it will emerge as a community-driven protocol.  Should it succeed, Percolator would add to the expanding repertoire of native financial primitives being developed on the Solana blockchain, which already includes decentralized options, lending protocols, and tokenized asset platforms.  At present, the code for Percolator remains under review on GitHub, and developers engaged with the repository indicate that the project is “deep in testing.” This suggests that a launch could be imminent, provided that the liquidation and governance components are finalized. The introduction of Percolator comes at a critical time, as competitors like Hyperliquid (HYPE) are expanding their presence in the derivatives-focused DEX space.  Related Reading: ‘Buy Of The Century’: Cardano Could Be The 2026 Game-Changer Under $0.20 — Analyst Hyperliquid recently implemented permissionless, builder-deployed perpetual contracts through its HIP-3 upgrade, allowing users to stake a minimum of 500,000 HYPE tokens—approximately $18 million—to launch their own perpetual markets with independent margin rules. Hyperliquid accounted for 35% of all blockchain revenue in July, attracting users away from platforms like Solana, Ethereum (ETH), and BNB Chain. Asset manager VanEck recently noted that Hyperliquid has successfully retained high-value users, thanks in part to its “simple, highly functional product.” As of press time, SOL is trading at $187.70, marking a 20% loss over the past fourteen and thirty days. This puts SOL 35% below its all-time high of $293, which was reached earlier this year.  Featured image from DALL-E, chart from TradingView.com

Author: NewsBTC

2025/10/21

Cardano Whales Cooked Their Bags, Now They’re All In On This Underdog Token With 100x Potential

Cardano Whales Cooked Their Bags, Now They’re All In On This Underdog Token With 100x Potential

Cardano whales have quietly trimmed their stakes, shifting capital into a lesser-known contender with live rails and massive upside prospects. Read original article on kanalcoin.com

Author: Kanalcoin

2025/08/05

Ethereum Layer 2s Heating Up, But PayFi Tokens Like RTX Are Winning The On-Chain War

Ethereum Layer 2s Heating Up, But PayFi Tokens Like RTX Are Winning The On-Chain War

Ethereum Layer 2s have seen explosive growth as networks race to handle spillover from the mainnet. Read original article on kanalcoin.com

Author: Kanalcoin

2025/08/05

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