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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.

14443 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Institutions like Strategy and Metaplanet now hold 12.3% of the total Bitcoin supply

Institutions like Strategy and Metaplanet now hold 12.3% of the total Bitcoin supply

The post Institutions like Strategy and Metaplanet now hold 12.3% of the total Bitcoin supply appeared on BitcoinEthereumNews.com. Institutional money, funds, and public companies continue to increase their BTC holdings and currently control 12.3% of all Bitcoin supply. According to Bitcoin analytics platform Ecoinometrics, this figure has dramatically increased over the past 12 months. Institutional money added 5% to their combined holdings in the past year alone, helping propel Bitcoin’s price by over 80% in the last 12 months. Institutions now hold 12.3% of the total Bitcoin supply (Source: Ecoinometrics) Entities such as ETFs, sovereign funds, and corporate treasuries now collectively hold billions of dollars worth of BTC, well over one million coins. The rise of Bitcoin treasuries The market’s structural transformation is captured by the rise in Bitcoin treasury companies like Strategy and Metaplanet. Strategy alone now holds over 638,400 BTC, more than 3% of the total circulating supply. At the same time, Japan’s Metaplanet has surpassed 20,000 BTC, rapidly climbing the ranks among corporate Bitcoin treasuries. Their strategies revolve around aggressive accumulation of the Bitcoin supply, equity issuance policies tailored to buy more Bitcoin, and innovative balance sheet management to maximize exposure to BTC as a reserve asset. Wall Street’s biggest names are also scrambling to accommodate the new wave. JPMorgan began accepting shares of Bitcoin ETFs as collateral for loans in June 2025 and partnered with Coinbase to let Chase credit card holders fund crypto purchases directly. This continuing integration through lending, wealth management, and direct purchasing shows the level of normalization of Bitcoin in traditional finance, spelling deeper liquidity for the entire ecosystem. And with $7.5 trillion parked in money market funds right now, just looking for a new home, institutional accumulation of the Bitcoin supply will likely go up and to the right. Bitcoin supply shift from retail to institutions Perhaps most striking, the concentration of Bitcoin supply is shifting away from early holders…

Author: BitcoinEthereumNews

2025/09/15

Top Crypto Coins to Invest in September 2025: Bitcoin’s Resurgence, Cronos’ Ecosystem Expansion, and BullZilla’s Million-Dollar ROI Setup

Top Crypto Coins to Invest in September 2025: Bitcoin’s Resurgence, Cronos’ Ecosystem Expansion, and BullZilla’s Million-Dollar ROI Setup

The post Top Crypto Coins to Invest in September 2025: Bitcoin’s Resurgence, Cronos’ Ecosystem Expansion, and BullZilla’s Million-Dollar ROI Setup appeared on BitcoinEthereumNews.com. What happens when three titans from different worlds collide, Bitcoin, Cronos, and BullZilla? September 2025 sets the stage for a moment unlike any other in the digital asset landscape. Investors are searching for the top crypto coins to invest in September 2025, and the spotlight is firmly on these three names. Old money meets expanding ecosystems, while a mythic creature rises from Ethereum’s depths. These are not random contenders, they are shaping narratives across finance, technology, and culture. For those seeking the top crypto coins to invest in September 2025, Bitcoin brings resilience, Cronos builds utility, and BullZilla offers unmatched presale firepower. The energy surrounding this month is electric. With retail investors and institutions aligning, these three represent the top crypto coins to invest in September 2025, blending legacy with innovation, and speculation with structure. BullZilla’s Million-Dollar ROI Setup: Forged in Ethereum’s Blue Fire BullZilla ($BZIL) is not just a meme coin. It is a narrative-driven cinematic project, structured to reward conviction and early participation. Forged in Ethereum’s blue fire, BullZilla leverages the security, liquidity, and DeFi integrations of Ethereum’s ERC-20 framework. This foundation ensures that its key features, the Roar Burn Mechanism, HODL Furnace staking, and Roarblood Vault referral system, are backed by one of the most secure networks in the world. The Current Stage of the Presale As of September 2025, Bull Zilla stands in its second stage, named “Dead Wallets Don’t Lie,” within Phase 2D. The presale price sits at $0.00005241, up sharply from its opening at $0.00000575. Over $367,000 has already been raised, with more than 1,265 token holders securing allocations. This progressive pricing model means that every $100,000 raised or every 48 hours triggers a price increase, creating built-in scarcity and urgency. BullZilla Token Summary Token Name: BullZilla Token Symbol: $BZIL Chain: Ethereum (ERC-20) Presale…

Author: BitcoinEthereumNews

2025/09/15

Here’s why banks, credit card companies are wary of buy now, pay later loans

Here’s why banks, credit card companies are wary of buy now, pay later loans

The post Here’s why banks, credit card companies are wary of buy now, pay later loans appeared on BitcoinEthereumNews.com. Buy now, pay later plans offer an attractive alternative to credit cards for consumers: They allow purchases to be split into short-term, typically interest-free installments. “Credit isn’t new. Credit’s been around for thousands of years and credit cards aren’t new. But they’ve had a hard time adapting to consumer needs,” said Michael Linford, chief operating officer of Affirm. “I think the thing that we’re seeing in the industry right now is widespread adoption of alternatives to credit cards.” An estimated 86.5 million Americans used buy now, pay later loans in 2024, according to eMarketer, and that number could rise to 91.5 million in 2025. A recent LendingTree survey found that nearly half of Americans have used a buy now, pay later service such as Affirm or Klarna at least once, including 11% who have used the service at least six times. “I think it pushes out portions of the credit card industry,” said Moshe Orenbuch, senior analyst at TD Cowen. “Buy now, pay later was kind of created for people who either didn’t want to use credit cards or didn’t have a lot of open [credit] to buy on their credit cards.” “Every purchase that gets financed through buy now, pay later is a purchase that could have been financed through a credit card or a checking account that they offer that now will not be,” said Kevin King, vice president of credit risk and marketing strategy at LexisNexis Risk Solutions. “So it reduces card transaction activity, utilization — those are major revenue drivers.” Beyond the direct challenge that buy now, pay later loans pose to credit cards, big banks and financial institutions have other reasons to be cautious of consumers who use these plans, especially as the number of users continues to grow.   “Buy now, pay later to date…

Author: BitcoinEthereumNews

2025/09/15

Solana (SOL) vs Mutuum Finance (MUTM): One of These Altcoins Will Turn $500 into $20,000 By the End of 2025

Solana (SOL) vs Mutuum Finance (MUTM): One of These Altcoins Will Turn $500 into $20,000 By the End of 2025

The post Solana (SOL) vs Mutuum Finance (MUTM): One of These Altcoins Will Turn $500 into $20,000 By the End of 2025  appeared on BitcoinEthereumNews.com. While Solana (SOL) captures headlines as one of the leading Layer-1 blockchains, the true buzz is in the market about Mutuum Finance (MUTM), a new DeFi protocol at the forefront in decentralized credit markets. The project has raised over $15.68 million from over 16,280 supporters in presale. Mutuum Finance (MUTM) is poised to deliver exponential growth that few cryptos get to deliver and turn $500 into $20,000. Solana Near $235 as Investors Prefer Growth Opportunities Solana (SOL) stands at $233.05. It has held tight above vital support at $220, buoyed by ongoing developer demand and increasing adoption of its expanded transactional infrastructure. Resistance is at $250; a neat breakout over this would leave the doors open to further runs to higher levels of about $270–$300. Meanwhile, new DeFi ventures such as Mutuum Finance are creating increasing interest alongside it. Mutuum Finance Presale Speed up  Mutuum Finance (MUTM) is also thriving in phase six of presale, raking in tremendous traction as investors’ volumes keep increasing. The project has already seen over 16,280 registered owners and has accumulated over $15.68 million in locked capital, with recent action pointing towards the speed continuing to increase. Such a huge surge is a clear indication of growing investors’ confidence as the platform continues to move closer to launching. Strategic Value for Early Entrants Not only are investors investing at the presale tier being exposed to tokens at significantly lower cost, but they are also setting themselves up for massive short-term profits of up to 300 percent on day one of launch, and even greater long-term potential as the ecosystem continues to build. Early adopters are rallying behind a project on the basis of very advanced dual lending model, longevity-long-term-conceived stablecoin, highly audited and open-source codebase, and tokenomics to generate scarcity and appreciation. Add all of…

Author: BitcoinEthereumNews

2025/09/14

This New Crypto Coin Could Be the Next to Hit $1, Mutuum Finance (MUTM) Might Outperform Solana (SOL)

This New Crypto Coin Could Be the Next to Hit $1, Mutuum Finance (MUTM) Might Outperform Solana (SOL)

The post This New Crypto Coin Could Be the Next to Hit $1, Mutuum Finance (MUTM) Might Outperform Solana (SOL) appeared on BitcoinEthereumNews.com. Every bull cycle produces one breakout token that goes from obscurity to headlines with a simple milestone: hitting $1. Ripple’s XRP and Solana (SOL) both had their moments, starting from cents before surging to mainstream recognition. Now, analysts are asking: which new crypto coin could be next to hit $1? All eyes are on Mutuum Finance (MUTM), a DeFi token priced at just $0.035. With strong mechanics, security credentials, and a roadmap designed for growth, many believe it could not only reach $1 but also outperform Solana’s trajectory in terms of percentage gains. Solana (SOL) Solana remains one of the most respected networks in crypto space. It powers decentralized applications (dApps), NFTs, and DeFi projects at lightning speed, with lower fees than Ethereum. Recently, institutional flows have strengthened its position: Today, 13 public companies collectively hold 8.9 million SOL, a stash valued at roughly $1.8 billion, underscoring Solana’s growing presence in institutional portfolios. This momentum is being reinforced by Forward Industries, which is rolling out a dedicated Solana treasury strategy with backing from Galaxy Digital and Jump Crypto. At the same time, SOL Strategies is preparing to debut as the first Solana treasury firm listed on Nasdaq, a move that brings Wall Street credibility to the blockchain and signals the next phase of mainstream recognition for Solana. At around $208 per token, Solana has already delivered life-changing gains for early investors. But its massive market cap now makes another 100x move highly unlikely. The room for exponential growth belongs to smaller, cheaper tokens that are just beginning their journey. Why Investors Look for the “Next Solana” Investors chasing 100x returns know history won’t repeat exactly. Solana went from under $5 to over $200 because it was early, fast, and built a vibrant ecosystem before competitors could catch up. Today, its…

Author: BitcoinEthereumNews

2025/09/14

Why New Crypto Investors Favour Mutuum Finance (MUTM) Over Shiba Inu (SHIB) In 2025

Why New Crypto Investors Favour Mutuum Finance (MUTM) Over Shiba Inu (SHIB) In 2025

The post Why New Crypto Investors Favour Mutuum Finance (MUTM) Over Shiba Inu (SHIB) In 2025 appeared on BitcoinEthereumNews.com. Why new crypto investors favour Mutuum Finance (MUTM) over Shiba Inu (SHIB) in 2025 is becoming clear. The Shiba Inu price has continued showing weak performance, while Mutuum Finance is gaining traction with investors seeking practical use cases.  At the start of this week, Shiba Inu is still struggling under the 200-day EMA, while Mutuum Finance is progressing through its presale and attracting thousands of holders. The growing shift is being reflected in both trading activity and investor preference, highlighting why this new crypto is attracting attention as one of the best cryptos to buy now. Shiba Inu Price Struggles Continue Shiba Inu has been recording multiple week-on-week losses in recent months. Investors have been waiting for a breakout, but the price has mostly stayed flat. Consequently, new projections now point to a possible low near $0.00001032. Moreover, the token is showing bearish signs as it fails to rise above the $0.00001259 support. In addition, Shiba Inu’s trading volume has dropped by nearly 47% over the last few days. This decline in volume reflects reduced investor activity. Furthermore, interest in meme tokens has been falling as traders focus more on coins with real-world applications. Consequently, Shiba Inu is facing strong pressure from newer projects offering practical benefits. Therefore, while it still has a large following, the question of whether Shiba Inu remains the best crypto to invest in is increasingly being asked. Mutuum Finance Presale Update Mutuum Finance (MUTM) is currently in Phase 6 of its presale, which is already 40% sold out. The current token price stands at $0.035, reflecting a 250% increase from the first phase price of $0.01. Phase 6 has raised $15,680,000 so far, with a total of 16,280 holders participating.  The presale is selling out quickly, and after Phase 6, the price will climb by…

Author: BitcoinEthereumNews

2025/09/14

Best Ethereum DeFi Crypto to Buy Now as ETH Eyes $5,000

Best Ethereum DeFi Crypto to Buy Now as ETH Eyes $5,000

The post Best Ethereum DeFi Crypto to Buy Now as ETH Eyes $5,000 appeared on BitcoinEthereumNews.com. With Ethereum moving towards its target of $5,000, all eyes are now focused on innovative DeFi projects building on its platform, and Mutuum Finance is becoming one to watch. Situated at the intersection of decentralized lending and sustainable-yield models, Mutuum Finance (MUTM) is gaining momentum as it transforms Ethereum’s DeFi network use. Mutuum Finance presale is already in Phase 6 with tokens worth $0.035. MUTM has already collected over $15.68M and investors in the project are already more than 16,280. Mutuum Finance promises to deliver 300%+ ROI when live.  Ethereum Moves Closer to $4,500 on News of Rate Cut Interest Ethereum (ETH) is at around $4,525, with a 24-hour range of around $4,451 to $4,534. The market is patiently awaiting drivers in the form of upcoming rate reductions, institutional ETF purchases, and layer-2 scaling upgrades which can drive ETH to $5,000. Though all these drivers are being given top billing space, new DeFi projects such as Mutuum Finance are also gathering momentum on the radar of crypto investors. Mutuum Finance: Risk Mechanisms and Protocol Security Mutuum Finance boasts strong protection mechanisms for all assets collateralized to ensure the protocol’s safety as well as the users. These include borrowing limits, deposit limits, and target collateral rates. To ensure systemic stability, liquidators are rewarded to close undercollateralized positions, and trigger penalties and liquidation enforce timely remediation. Collateral effectiveness is optimized in the correlated assets, i.e., the borrowing capacity increases proportionally with Loan-to-Value (LTV) levels in heavily secured lending. Reserve factors are also provided as insurance under extraordinary market conditions, and higher reserves are levied on risky assets to nullify volatility.  Phase 6 Mutuum Finance (MUTM) Token Presale Mutuum Finance (MUTM) presale has already reached more than 16,280 investors and $15.68 million with big demand. On its quest for increased security and transparency,…

Author: BitcoinEthereumNews

2025/09/14

Polychain-Backed Yala Stablecoin YU Crashes to $0.20 After Protocol Attack

Polychain-Backed Yala Stablecoin YU Crashes to $0.20 After Protocol Attack

The Yala stablecoin (YU), a Bitcoin-native over-collateralized stablecoin backed by Polychain, lost its dollar peg around 5:14 UTC+8 today following a protocol attack that sent YU crashing to $0.2074 before recovering to $0.917. The Yala team promptly addressed the incident on X (formerly Twitter), confirming the attack and its impact on the YU stablecoin’s price stability. “Our protocol recently experienced an attempted attack that briefly impacted YU’s peg,” the team said. “Assets Remain Safe”- Yala Stablecoin Team Scrambles to Restore Trust Yala Co-founder Vicky Fu disclosed that the team is now working with external security specialists, including SlowMist and Fuzzland, to investigate the breach. The team assured users that all assets remain secure while they focus on restoring stability and strengthening protocol security. After the announcement, YU, designed to maintain a stable $1 value, fluctuated between $0.798 and $0.996.Source: DexScreener Currently, only $784,000 in USDC liquidity exists in the YU stablecoin pool on Ethereum. The Yala team has temporarily disabled the Convert and Bridge functions to ensure complete stability during system improvements. In a September 14 X post, the team stated, “All other protocol functions remain unaffected, and user assets remain safe. We’ll share more updates once maintenance is complete.” A stablecoin’s core function is maintaining a 1:1 “peg” to fiat currency value; without this peg, the fundamental purpose fails. YU operates as an over-collateralized stablecoin, meaning it’s backed by digital asset reserves (BTC) that exceed the stablecoin’s own value. With YU still struggling to maintain its peg, Yala faces a critical period for securing user trust and industry confidence. At roughly $140M market cap, YU remains small compared to established stablecoins like Tether (USDT) and Circle (USDC), which hold $170 billion and $73 billion market capitalizations, respectively. Even newer stablecoins like Ethena (USDe) and WLFI (USD1) command $13.5 billion and $5.8 billion valuations, respectively. However, YU’s peg struggles aren’t the first of their kind in the crypto market. Even Tether’s USDT temporarily lost its dollar peg in 2023 when two major trading pools became heavily imbalanced. Tether CTO Paolo Ardoino explained that volatile stablecoin markets create opportunities for attackers to exploit liquidity pool imbalances. More recently, in April, synthetic stablecoin sUSD, long pegged to the U.S. dollar within the Synthetix ecosystem, dramatically lost its peg, dropping to $0.68. Unlike YU, sUSD didn’t face an attack. Instead, its depeg resulted from the protocol’s transition to new debt and collateralization mechanisms under SIP-420, designed to improve capital efficiency. Rather than enhancing efficiency, the code upgrade accidentally dismantled key mechanisms that previously maintained sUSD’s dollar peg. Why Do Billion-Dollar Stablecoins Keep Losing Their Peg? In October 2023, TrueUSD, a major fiat-collateralized stablecoin, lost its peg after announcing suspended minting activities through technology partner Prime Trust. Many TUSD holders interpreted the minting suspension as evidence that the company couldn’t maintain adequate fiat collateral backing. The dramatic collapse of terraUSD (UST) and the entire Terra (LUNA) ecosystem in 2022 continues to cast doubt on stablecoin reliability. Terra founder Do Kwon and the Luna Foundation Guard spent up to 80,000 bitcoin, worth approximately $9.2 billion, in an attempt to defend UST’s dollar peg before ultimately failing. Former People’s Bank of China Governor Zhou Xiaochuan has now warned that stablecoins face a one-in-three collapse probability over the next decade due to crisis-induced arbitrage failures. He cautioned that even fully-backed stablecoins can amplify risk through deposit-lending, collateralized financing, and asset trading activities. Zhou criticized inadequate reserve custody standards, citing Facebook’s early plans to self-custody Libra assets as a problematic design. While the Hong Kong Stablecoin Ordinance and U.S. GENIUS Act address some concerns, Zhou noted that regulatory gaps remain. He recommended compiling actual circulation data to assess redemption risks, calling current oversight frameworks “far from sufficient.”

Author: CryptoNews

2025/09/14

Dogecoin (DOGE) Tipped for 10x Gains, But Not Before This Utility-Focused Crypto

Dogecoin (DOGE) Tipped for 10x Gains, But Not Before This Utility-Focused Crypto

The post Dogecoin (DOGE) Tipped for 10x Gains, But Not Before This Utility-Focused Crypto appeared on BitcoinEthereumNews.com. Dogecoin (DOGE) may be in the spotlight again with experts forecasting potential 10x returns, but investor attention is shifting more towards Mutuum Finance (MUTM), a utility-based crypto platform that seeks to bring real-world financial services onto the blockchain. This budget-friendly altcoin for just $0.035 has been supported by more than 16,240 investors. As opposed to the meme coin volatility that tends to define DOGE’s trajectory, Mutuum Finance is positioning itself as a long-term coin with its focus on lending, borrowing, and scalable on-chain utility.  Dogecoin Consolidates Amid Steady Market Flows Dogecoin (DOGE) is currently priced at $0.26026, fluctuating on the daily range of $0.24583 to $0.26339. The market is in a consolidation stage, with DOGE being steady as overall market conditions control volumes and moods. While arguments over its long-term trajectory persist, the stability here marks it as one of the more established cryptocurrencies in circulation, even as newer DeFi projects such as Mutuum Finance take center stage in the market’s discussion. Mutuum Finance Stage 6 Momentum Investors are active buying MUTM tokens at $0.035 in Stage 6 of the presale. Stage 7 is fast approaching, and demand continues to accelerate. To date, more than 16,240 investors have accumulated tokens, and the project has surpassed more than $15.63 million in funding, a clear indicator of market demand being high and expectations of launch on the rise.  Precision in Price Discovery For lending, borrowing, and liquidation operations security, Chainlink oracles are utilized by Mutuum Finance for prices and token values in terms of USD for tokens such as ETH, MATIC, and AVAX. Fallback oracle configurations, composite data feeds, and time-weighted averages from decentralized exchanges are included to increase precision. This multi-layer method ensures that price information is as uniform as possible even with highly stressful market conditions. Market volatility directly affects…

Author: BitcoinEthereumNews

2025/09/14

Solana Price Prediction: SOL Price Could Spike 3x from These Levels, But This $0.035 Altcoin Might Outshine It With a 35x Jump

Solana Price Prediction: SOL Price Could Spike 3x from These Levels, But This $0.035 Altcoin Might Outshine It With a 35x Jump

Solana (SOL) is once again causing ripples in the market, with experts forecasting the likelihood of a 3x jump from present levels. While SOL’s speed is jaw-dropping, less-known $0.035 altcoin Mutuum Finance (MUTM) is taking center stage for this crypto trend with possible 35x growth. Mutuum Finance is already at Stage 6 of presale and […]

Author: Cryptopolitan

2025/09/14

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