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.

16270 Articles

Created: 2026/02/02 18:52

Updated: 2026/02/02 18:52

6 New Crypto Presales in 2025 That Could Turn $1K Into $100K

As 2025 draws to a close, a wave of new crypto presales is stirring up investor attention, from LivLive’s AR-powered engagement engine to next-gen chains like LiquidChain, Nexchain, and more. Each of these projects brings something unique to the table, but one name seems to be capturing all the noise, hype, and investment momentum: LivLive [...] The post 6 New Crypto Presales in 2025 That Could Turn $1K Into $100K appeared first on Blockonomi.

Author: Blockonomi

2025/12/05

New Data Shows This $0.035 Token Could Rally 750% After Q4 V1 Activation, Here’s The Breakdown

Fresh market models are indicating a new altcoin at a price of $0.035 that is likely about to make one of the most powerful moves into the Q4 period. As Phase 6: development should be almost finished, and development updates are on track, Mutuum Finance (MUTM) is emerging as one of the tokens traders are […]

Author: Cryptopolitan

2025/12/05

Starknet Welcomes Native USDC and CCTP for Enhanced DeFi and Payment Solutions

The post Starknet Welcomes Native USDC and CCTP for Enhanced DeFi and Payment Solutions appeared on BitcoinEthereumNews.com. Luisa Crawford Dec 04, 2025 14:55 Starknet integrates native USDC and CCTP, boosting DeFi, gaming, and payments with scalable, secure crosschain transfers. Explore new opportunities in the growing Starknet ecosystem. Starknet, a prominent zk-rollup leveraging STARK proofs for scalable Ethereum solutions, has announced the integration of native USDC and Circle’s Cross-Chain Transfer Protocol (CCTP), according to circle.com. This development is set to enhance stablecoin settlements and facilitate rapid crosschain transfers, significantly benefiting decentralized finance (DeFi), gaming, and payment sectors. Starknet Ecosystem Expansion As Starknet continues to expand its ecosystem, which already boasts over 125 applications across various sectors, the inclusion of native USDC and CCTP marks a pivotal moment. The network aims to establish itself as the execution layer for Bitcoin (BTC), featuring native BTC staking and a burgeoning BTCFi ecosystem. The integration of native USDC provides a fully reserved digital dollar, redeemable 1:1 for U.S. dollars, enhancing institutional-grade settlement and enabling low-cost global payments. This move aligns with Starknet’s goal of providing scalable, secure financial solutions. Empowering Developers with CCTP Developers on Starknet can now leverage CCTP to facilitate secure, capital-efficient USDC transfers between Starknet and other supported blockchains. This capability enables seamless crosschain onboarding, swaps, and treasury rebalancing, unlocking new DeFi opportunities and enhancing user experiences. Key Use Cases and Benefits Native USDC and CCTP on Starknet are expected to drive significant growth across DeFi and related sectors. Key use cases include: DeFi Trading: Supporting trading, lending, and 24/7 onchain settlements with applications like avnu, Ekubo, and Vesu. Gaming and Payments: Utilizing stablecoins for in-game economies and global peer-to-peer payments with platforms such as Ready and Xverse. Crosschain Experiences: Enhancing USDC transfers between Starknet and other blockchains, improving onboarding and treasury management, exemplified by Braavos Wallet. Transitioning from Bridged to…

Author: BitcoinEthereumNews

2025/12/05

BitGo IOTA Mainnet Expands US Institutional Access

The post BitGo IOTA Mainnet Expands US Institutional Access appeared on BitcoinEthereumNews.com. As IOTA celebrates a decade in the market, the new BitGo integration strengthens regulated access for institutional investors across the digital asset ecosystem. BitGo expands support to the IOTA Mainnet As IOTA marks its 10th anniversary, the project is expanding its institutional infrastructure by partnering with long-standing digital asset pioneer BitGo Trust Company, Inc.. Founded in 2013, BitGo has built a reputation for providing regulated custody, wallets, staking, trading, settlement, and financing services based on cold storage. Moreover, BitGo has been a pioneer in the commercialization of multi-signature wallets and Threshold Signature Scheme (TSS) technology. Today, the company supports more than 1,550 tokens and coins for over 4,900 institutions, enterprises, and exchanges worldwide, positioning it as a core infrastructure provider in the digital asset sector. BitGo is regulated in the United States by the South Dakota Division of Banking and maintains insurance coverage of up to $250M against theft, loss, or misuse of keys. This regulated framework gives institutions the trust, transparency, and oversight they require to operate securely and at scale in crypto markets. Beginning in the first week of December, BitGo will add support for the IOTA Mainnet. However, this is not just another token listing. It allows clients to manage IOTA tokens alongside other digital assets on a platform already widely used across the global industry. Institutional accessibility and regulated custody With BitGo now supporting the IOTA Mainnet, institutional accessibility to the network is set to expand significantly. Institutions, exchanges, and users facing regulatory or tax-related constraints can now access IOTA through a regulated, insured custody framework that aligns with stringent compliance standards. BitGo operates under high levels of regulatory oversight, undergoes constant audits, and meets demanding capital requirements. That said, this infrastructure is designed to support institutional custody services without compromising on security or operational flexibility,…

Author: BitcoinEthereumNews

2025/12/05

When order becomes the enemy of innovation: Banking’s controlled chaos | Opinion

What I advocate is not chaos for chaos’s sake. It is controlled chaos, a deliberate design of tension inside the system, an autonomy within alignment.

Author: Crypto.news

2025/12/05

Spectra launches on Flare with yield trading for sFLR and upcoming stXRP

The post Spectra launches on Flare with yield trading for sFLR and upcoming stXRP appeared on BitcoinEthereumNews.com. Spectra, a new decentralized yield trading protocol, has gone live on the Flare blockchain, enabling users to buy, sell, and manage yield from interest-bearing assets such as sFLR, according to the details shared with Finbold on Friday, December 5. The launch adds a new layer of financial functionality to the Flare ecosystem by allowing the separation of fixed and variable yield components. How Spectra works At the core of Spectra’s design is a system that splits yield-bearing tokens into two tradable components. Principal Tokens (PTs) represent the base value of the asset and grow to their full value at maturity, giving users access to fixed returns. Yield Tokens (YTs) represent the rights to future yield and can be traded independently, allowing users to hedge or speculate on yield fluctuations. By making yield itself tradable, Spectra introduces a new type of financial instrument to decentralized finance (DeFi) on Flare. Users may earn a predictable income through PTs or gain leveraged exposure to yield through YTs. Both tokens can also serve as building blocks for other protocols within the ecosystem, such as modular lending platforms like Mystic or Morpho. How Flare benefits The introduction of yield tokenization on Flare marks an important step in expanding the network’s financial infrastructure. With Spectra, developers can build fixed-rate, variable-rate, and structured products natively on Flare. The protocol also enhances capital efficiency by allowing yield-based assets to move across multiple platforms and be reused within lending or collateral systems. Spectra’s permissionless structure allows anyone to create yield-trading markets for assets such as sFLR or FAssets, earning fees from swaps in a model similar to Uniswap. While the platform is designed for advanced users and institutions seeking greater control over returns, its tools are also accessible to newcomers through a simplified “Fixed Rate” interface that allows users…

Author: BitcoinEthereumNews

2025/12/05

Spectra Brings Yield Tokenization to Flare with Live sFLR Market

Spectra launches on Flare, enabling tradable yield for sFLR through Principal and Yield Tokens; stXRP support is planned, opening composable DeFi markets.

Author: Blockchainreporter

2025/12/05

Solana ($140) Breakout Signal: Why Digitap ($TAP) Crypto Presale Will Follow the Utility Trend

The post Solana ($140) Breakout Signal: Why Digitap ($TAP) Crypto Presale Will Follow the Utility Trend appeared first on Coinpedia Fintech News Solana’s (SOL) token looked poised to retest the $100 level after a brutal November. But, after a solid rebound from $125, SOL is showing signs of breaking out at $140. This would signal renewed bullish momentum and could open the door for a breakout back to $200. Adding Solana to the list of top altcoins …

Author: CoinPedia

2025/12/05

USPD stablecoin protocol hacked for $1 million so far

The post USPD stablecoin protocol hacked for $1 million so far appeared on BitcoinEthereumNews.com. Decentralized finance protocol US Permissionless Dollar suffered a security breach resulting in unauthorized minting of its stablecoin and the draining of more than $1 million in liquidity. According to an incident report from the USPD team’s official X account, the attacker deposited roughly 3,122 ETH as collateral and exploited a bug that allowed them to mint approximately 98 million USPD tokens in a single transaction. The process created ten times the amount of tokens against the initial deposit and enabled the hacker to drain an additional 237 stETH collateral. The stolen stablecoins were subsequently converted into about $300,000 worth of USDC through decentralized exchange Curve. The USPD protocol developers and several cybersecurity accounts, like PeckShield Alert, issued a warning to users immediately after identifying the breach, saying: “We have confirmed a critical exploit of the USPD protocol resulting in unauthorized minting and liquidity draining. Please DO NOT buy USPD. Revoke all approvals immediately.” USPD hacker took advantage of proxies to trick protocol into minting The DeFi protocol’s report mentioned that the breach exploited a complex attack vector named “CPIMP,” short for Clandestine Proxy In the Middle of Proxy. USPD explained the attacker front-ran the proxy initialization on September 16 during deployment using a Multicall3 transaction. 2/ This was not a flaw in our smart contract logic. The USPD protocol underwent rigorous security audits by top-tier firms @NethermindEth and Resonance. Our code is fully unit-tested and adheres to strict industry standards. The logic itself remains secure. — USPD.IO | The Dollar of the Decentralized Nation (@USPD_io) December 4, 2025 The hacker used CPIMP to seize administrative rights silently before the protocol’s scripts were fully executed, waiting for months to start minting coins without authorization. They implemented a “shadow” contract that forwarded calls to USPD’s audited code, then subtly implemented an event…

Author: BitcoinEthereumNews

2025/12/05

Former Signature Bank Leaders Launch N3XT to Enable Instant Blockchain Payments

        Highlights:  N3XT offers nonstop blockchain settlement that supports programmable payments. The bank uses a fully reserved model to reduce liquidity risks and provide daily disclosures for clients. Signature Bank leaders have launched N3XT as Europe advances a unified euro stablecoin plan.  Former Signature Bank executives launched N3XT with a plan to offer nonstop settlement on a private blockchain. The institution announced that it will allow instant transfers at any hour. The team built the platform to support smart contracts and programmable payments. It also works with stablecoins, utility tokens, and other digital assets. This design targets firms that depend on continuous settlement.  Former Signature Bank Founder Launches N3XT Former Signature Bank founder Scott Shay has launched @N3XTinc, a Wyoming-chartered blockchain bank offering instant 24/7 payments on a private ledger, according to @Cointelegraph. N3XT supports programmable payments, is interoperable… pic.twitter.com/AUi4JQd8Hl — ME (@MetaEraHK) December 5, 2025  N3XT will run under Wyoming’s Special Purpose Depository Institution charter. This framework supports fully reserved banks that custody digital assets. Founder Scott Shay leads the effort after his experience with Signature’s rise and fall. Signature collapsed after sharp outflows hit several crypto-linked banks. Regulators linked the failure to concentration risks and heavy pressure from large uninsured deposits. The new bank wants a stronger foundation for digital asset clients. The team says instant settlement can reduce friction across many industries. The private blockchain also gives the institution more control over transaction speed. N3XT plans to attract firms that value predictable settlement cycles. The bank says demand for faster transfers continues to grow in the crypto sector. Signature Bank Leaders Launch Bank with a Fully Reserved Banking Model The founders shaped N3XT around lessons from the banking turmoil two years ago. Signature faced a rapid run during that period as market confidence weakened. A variety of digital asset companies urgently sought established banking partners. N3XT seeks to fill these loopholes by strictly following a one-to-one reserve structure. The bank will guarantee all deposits using cash or short-term Treasurys. The institution also provides disclosures of daily reserves in a bid to build trust. This approach supports clients who operate around the clock. CEO Jeffrey Wallis said the team wants money to move as easily as information. He described the model as a bridge between banking and crypto innovation. Wallis also stressed the need for simple, fast, and programmable transfers. The bank will not offer lending. The founders believe this step lowers exposure to liquidity shocks. Many of Signature’s challenges stemmed from deposit volatility. N3XT wants to avoid similar strains with a narrow and transparent model. The team hopes this structure will reduce uncertainty for its users. Several firms have already joined the onboarding process. N3XT says clients span crypto, foreign exchange, shipping, and logistics. These industries depend on nonstop settlement and often struggle with delays. Venture investors also support the project. Winklevoss Capital, Paradigm, and HACK VC backed N3XT through three funding rounds. HACK VC co-founder Alexander Pack praised the founders’ return to the market. He said N3XT reflects their commitment to rebuilding stronger systems.  I'm incredibly excited to support N3XT in their mission to make crypto banking happen in the US again. N3XT's founders, Scott and Jeff, are forces of nature: they previously built Signature Bank, the biggest and best bank to support the US crypto industry in a regulated way,… https://t.co/27NPCCL8jc — Alexander Pack (@alpackaP) December 4, 2025  Europe Moves Toward a Unified Euro Stablecoin Under New Consortium European banks have also advanced digital payments this year. A consortium of ten large lenders announced plans to introduce a euro stablecoin by mid-2026. The team formed Qivalis in Amsterdam to lead development and licensing. The stablecoin shall be subjected to MiCA regulations prior to market introduction. Euro stablecoins have a minor presence today. The world of digital payments is still dominated by dollar-pegged tokens. The consortium believes that a common instrument will enhance the European standpoint. The team consists of long-time payment and regulation leaders. The group also submitted an electronic money license request to the Dutch Central Bank.    eToro Platform    Best Crypto Exchange   Over 90 top cryptos to trade Regulated by top-tier entities User-friendly trading app 30+ million users    9.9   Visit eToro eToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk. Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment, and you should not expect to be protected if something goes wrong.

Author: Coinstats

2025/12/05