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.

14068 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Bitcoin Hyper Accelerates Bitcoin’s Development: $HYPER to 100x?

Bitcoin Hyper Accelerates Bitcoin’s Development: $HYPER to 100x?

Why don’t more people use Bitcoin? It’s one of the world’s largest assets, with a market cap of over $2.2 trillion. Bitcoin is divisible – you can spend tiny fractions of it at a time, in even smaller units than traditional dollars and cents. It takes 100 million satoshis to make one Bitcoin. Since Bitcoin […]

Author: Bitcoinist
JPMorgan Invests $500 Million in AI Hedge Fund Numerai

JPMorgan Invests $500 Million in AI Hedge Fund Numerai

TLDR JPMorgan Asset Management has committed up to $500 million to AI-driven hedge fund Numerai Numerai has grown from $60 million to $450 million in assets under management over the past three years The fund delivered a 25% net return in 2024 through AI and crypto strategies Numerai’s cryptocurrency token (NMR) surged 33-38% following the [...] The post JPMorgan Invests $500 Million in AI Hedge Fund Numerai appeared first on Blockonomi.

Author: Blockonomi
MetaMask Launches Social Login for Google & Apple Users

MetaMask Launches Social Login for Google & Apple Users

The post MetaMask Launches Social Login for Google & Apple Users appeared on BitcoinEthereumNews.com. Quick Highlights MetaMask adds Social Login via Google and Apple accounts Wallet setup without saving a 12-word recovery phrase Maintains self-custody with local encryption and security MetaMask Brings Social Login to Crypto Wallets MetaMask, a leading cryptocurrency wallet provider, has rolled out Social Login, a feature that allows users to create or restore wallets using their Google or Apple accounts. This eliminates the need for the traditional 12-word recovery phrase, which often intimidates newcomers. Source: metamask.io How Social Login Works To enable Social Login, users select a Google or Apple account and set a password. The wallet then generates a Secret Recovery Phrase (SRP) locally on the device, encrypting it for maximum security. In case of device loss or reinstallation, the wallet can be restored using the same account and password — removing the headache of storing complex phrases. Social login simplifies the wallet creation and management process. Get started in two steps: Sign-in with your Google or Apple ID. Create a unique, secure password. You’re in! You can now use Social login.  Security Remains a Priority MetaMask emphasizes that no single organization has complete access to all components needed to restore your SRP. This design preserves the self-custodial nature of MetaMask wallets, ensuring users maintain full control over their digital assets. The company stated: “Social login is an alternative, familiar way to control your digital assets that is seamless and simple, without compromising on security. Your wallet and assets remain fully in your control, with fewer obscure words to manage if you so choose.” Why It Matters By blending convenience with security, MetaMask aims to make crypto more accessible to everyday users—especially those hesitant about managing seed phrases. Source: https://coinpaper.com/10740/no-more-seed-phrases-meta-mask-s-new-social-login-feature-explained

Author: BitcoinEthereumNews
Message to XRP Holders: Here’s How to Build Wealth With Your XRP Stash

Message to XRP Holders: Here’s How to Build Wealth With Your XRP Stash

Leverage your XRP to access liquidity without selling your assets. Use XRP as collateral, preserving growth while meeting financial needs. Build wealth by adopting strategies used by financial elites for decades. The XRP community has been buzzing with excitement as new strategies for wealth-building have become more accessible to everyday holders. Cypress Demanincor recently shared a game-changing approach on X (formerly Twitter), showing how XRP holders can build wealth without needing to sell their assets. Instead of focusing on high yields or quick profits, the focus is on leveraging digital assets as the wealthy investors have done for years. Leveraging XRP for Liquidity, Not Liquidation For decades, wealthy investors have used their appreciating assets, such as stocks and real estate, to gain liquidity without selling them. This strategy, which involves borrowing against assets instead of liquidating them, has been central to wealth preservation. Also Read: U.S. Government to Release GDP Data on Blockchain, Revolutionizing Economic Transparency For instance, rather than selling Apple or Tesla stock when cash is needed, investors use securities-backed loans to borrow money while keeping their shares. They maintain ownership, continue earning dividends, and still have cash on hand for expenses. $XRP HOLDERS LISTEN UP People who keep saying “the yield is too small” you’re missing the point. It’s not about chasing crazy yields. It’s about adopting the same wealth strategies the elites have used for decades: using your assets as collateral instead of selling them.… https://t.co/hgBFvlf19w — Cypress Demanincor (@CDemanincor) August 26, 2025 Similarly, high-net-worth families use real estate as collateral, leveraging home equity lines of credit (HELOCs) to access funds while keeping their properties. The underlying principle is simple: never sell appreciating assets—always borrow against them. How XRP Holders Can Follow Suit Demanincor noted that XRP holders can apply this same strategy to their digital assets. Instead of selling XRP to cover unexpected expenses, they can borrow against it. For example, if you hold $20,000 worth of XRP and face a $10,000 expense, you don’t have to liquidate part of your XRP. By using XRP as collateral, you can access the necessary cash while maintaining ownership of your tokens and benefiting from future growth. The Real Benefit: Preserving Future Growth The true value in this approach lies in preserving your XRP. While borrowing or lending might earn a small yield, the major advantage is that you don’t have to sell your asset. This strategy allows you to remain part of the Web3 ecosystem and avoid getting stuck in the traditional fiat system. By keeping your XRP intact, you continue to benefit from its growth without sacrificing future potential. Also Read: Crypto Market Update: Ethereum (ETH) and Solana (SOL) Lead Gains as Bitcoin (BTC) Faces Minor Decline The post Message to XRP Holders: Here’s How to Build Wealth With Your XRP Stash appeared first on 36Crypto.

Author: Coinstats
JPMorgan’s $500M investment in Numerai sends NMR price up 140%

JPMorgan’s $500M investment in Numerai sends NMR price up 140%

JPMorgan commits $500M to AI-driven hedge fund Numerai. Numeraire (NMR) price surges from $8.11 to $19.55 with heavy trading. Numerai’s AUM is set to nearly double to about $950 million. The price of Numeraire (NMR) shot to a high of $19.55 within hours of Numerai securing a $500 million commitment from JPMorgan. The cryptocurrency rose […] The post JPMorgan’s $500M investment in Numerai sends NMR price up 140% appeared first on CoinJournal.

Author: Coin Journal
No More Seed Phrases? MetaMask’s New Social Login Feature Explained

No More Seed Phrases? MetaMask’s New Social Login Feature Explained

Quick HighlightsMetaMask adds Social Login via Google and Apple accountsWallet setup without saving a 12-word recovery phraseMaintains self-custody with local encryption and securityMetaMask Brings Social Login to Crypto WalletsMetaMask, a leading cryptocurrency wallet provider, has rolled out Social Login, a feature that allows users to create or restore wallets using their Google or Apple accounts. This eliminates the need for the traditional 12-word recovery phrase, which often intimidates newcomers.How Social Login WorksTo enable Social Login, users select a Google or Apple account and set a password. The wallet then generates a Secret Recovery Phrase (SRP) locally on the device, encrypting it for maximum security. In case of device loss or reinstallation, the wallet can be restored using the same account and password — removing the headache of storing complex phrases.Social login simplifies the wallet creation and management process. Get started in two steps:Sign-in with your Google or Apple ID.Create a unique, secure password.You’re in! You can now use Social login. Security Remains a PriorityMetaMask emphasizes that no single organization has complete access to all components needed to restore your SRP. This design preserves the self-custodial nature of MetaMask wallets, ensuring users maintain full control over their digital assets. The company stated:“Social login is an alternative, familiar way to control your digital assets that is seamless and simple, without compromising on security. Your wallet and assets remain fully in your control, with fewer obscure words to manage if you so choose.”Why It MattersBy blending convenience with security, MetaMask aims to make crypto more accessible to everyday users—especially those hesitant about managing seed phrases.

Author: Coinstats
Citigroup's Strategic Move into Cryptocurrency Services

Citigroup's Strategic Move into Cryptocurrency Services

One of the largest financial institutions globally, Citigroup, is now venturing into the realm of cryptocurrencies, specifically focusing on stablecoin custody and payment services. This strategic move is influenced by recent regulatory developments in the U.S. that encourage traditional banks to adopt these technologies. The resurgence of President Donald Trump has catalyzed significant changes in the financial landscape, including the incorporation of cryptocurrencies such as Bitcoin into the treasury strategies of major corporations. This shift is supported by legislative frameworks like the GENIUS Act and the One Big Beautiful Act (OBBA), which provide much-needed regulatory clarity for stablecoin issuers. A Closer Look at Stablecoin Custody and Payment Services Stablecoins offer a digital alternative to traditional currencies by being pegged to stable assets like the U.S. dollar. Their ability to facilitate quick, low-cost, and secure transactions across borders makes them invaluable in today’s digital economy. Tether (USDT) currently leads this market segment in both capitalization and volume. According to a recent McKinsey report, the stablecoin sector has witnessed substantial growth, projecting to expand to a $2 trillion market by 2028. Why Citigroup is Embracing Stablecoins The enactment of the GENIUS Act in July 2025 has cemented stablecoins' role in the financial ecosystem, prompting Citigroup to engage actively in this space. The GENIUS Act mandates that all stablecoin issuers back their tokens with secure assets, such as government securities or cash, ensuring their stability and reliability. Biswarup Chatterjee, Citigroup’s global head of partnerships and innovation, emphasized that the bank's robust infrastructure for managing substantial corporate treasuries will now also support the secure management of digital assets. Digital Innovations and Future Prospects Citigroup is not stopping at stablecoin custody. The bank has also been piloting blockchain-based financial solutions that facilitate the transfer of tokenized U.S. dollars between accounts in major cities like London, New York, and Hong Kong. Moreover, Citigroup is poised to launch its own stablecoin which might compete with other major tokens like USDC and USDT. This initiative could revolutionize the speed and cost of cross-border payments, giving Citigroup a competitive edge in the financial market. The blending of traditional banking with cryptocurrency technology not only enhances Citigroup’s service offerings but also sets a precedent for other financial institutions to follow, potentially leading to more widespread adoption of cryptocurrency in mainstream finance. Disclaimer: This article is provided for informational purposes only. It is not offered or intended to be used as legal, tax, investment, financial, or other advice.

Author: Coinstats
JPMorgan Commits $500 Million to AI Hedge Fund Numerai as Crypto Token Surges

JPMorgan Commits $500 Million to AI Hedge Fund Numerai as Crypto Token Surges

TLDR JPMorgan Asset Management committed up to $500 million to AI hedge fund Numerai, potentially doubling its assets under management Numerai grew from $60 million to $450 million in assets over three years and delivered 25% net returns in 2024 The fund’s native cryptocurrency Numeraire (NMR) surged 38% following the JPMorgan announcement Numerai operates using [...] The post JPMorgan Commits $500 Million to AI Hedge Fund Numerai as Crypto Token Surges appeared first on CoinCentral.

Author: Coincentral
A complete analysis of my stablecoin income strategy with a monthly income of $500,000 and an average annualized return of 78%.

A complete analysis of my stablecoin income strategy with a monthly income of $500,000 and an average annualized return of 78%.

Author: Octoshi.eth Compiled by Tim, PANews By participating in points events and investing in real income agreements, I was making about $500,000 a month, which sounds crazy. The following article will explain the sources of income. This is my current allocation, and my average annualized rate of return is 78%. While my estimate is conservative, a large portion of it is based on activity points, which makes it highly predictive. The first source of income was participating in Plasma. I deposited $2.3 million and bought $125,000 worth of XPL tokens at $500 million FDV. Taking into account a 90-day investment cycle and the current $5.7 billion valuation on Hyperliquid, my annualized return is 217%. XLP is aiming for $10 billion! The second source of income is a passive position that provides immediate liquidity so that I can jump in at any time when I find new income opportunities or interesting trades. The operation is simple: I just need to deposit money into the Morpho fund, which currently earns an annualized rate of return of 10%. The next source of revenue is Euler Finance’s Spark mining activity on Unichain, from which OP token incentives can be obtained. Under the current circumstances, the annualized rate of return is 27% (Euler does not display OP rewards), which is actually quite high considering the relatively low risk. The next one is Theo Network, a new player that just went online not long ago. They've introduced a points system, which I'm very optimistic about. There are no private PY transactions, so everyone can participate with peace of mind and will not feel cheated. Pray that the annualized rate of return can reach 30% Next up is Neutrl. This project hasn’t officially launched yet, but it offers a private transaction with different options. I chose to lock my funds for 12 months to get a fixed annualized rate of return of 30%. Maybe it will be online soon? The next source of income is MorphoLabs' RLP arbitrage, which currently has an actual annualized yield of 33% (with high volatility), and has not yet included Resolv point rewards, which are expected to add an additional 10% annualized yield. The last one is Open Eden. Although I am optimistic about this project, I have to reduce my holdings due to the decline in profitability of the revolving lending strategy due to rising interest rates (but I will increase my holdings again soon). With an FDV of $300 million, I estimate an annualized return of approximately 50%. $500,000 per month and an average annualized return of 78%—both of which are speculative and heavily influenced by Plasma—proved to be a very wise investment.

Author: PANews
USD.AI explodes to $62.7M in TVL: the “GPU-based” stablecoin drives non-dilutive loans for AI

USD.AI explodes to $62.7M in TVL: the “GPU-based” stablecoin drives non-dilutive loans for AI

The protocol of Permian Labs has reached $62.7 million in TVL after a Series A round of $13 million led by Framework Ventures.

Author: The Cryptonomist