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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.

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Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Bitcoin Hyper’s $28.8M Presale Hits One Milestone After Another

Bitcoin Hyper’s $28.8M Presale Hits One Milestone After Another

Quick Facts: ➡️ Bitcoin’s base layer offers strong security but struggles with high fees, slow confirmations, and limited programmability, restricting richer DeFi and application development. ➡️ As capital flows back toward $BTC, demand is growing for infrastructure that unlocks faster, lower-cost transactions without leaving Bitcoin’s security model behind. ➡️ Bitcoin Hyper ($HYPER) introduces the first […]

Author: Bitcoinist

2025/12/01

Why Binance Blockchain Week is returning to Dubai and what to expect

Why Binance Blockchain Week is returning to Dubai and what to expect

We caught up with Binance’s head of global event marketing Kim Murphy ahead of Binance Blockchain Week 2025, taking place at Dubai’s Coca-Cola Arena on December 3-4 In our last conversation we talked about how Binance events are always evolving in line with industry trends and demand. What do you aim to achieve from this […]

Author: Agbi

2025/12/01

Best Crypto to Buy Now as Bitcoin Hyper’s Presale Races Toward the $30M Milestone

Best Crypto to Buy Now as Bitcoin Hyper’s Presale Races Toward the $30M Milestone

What to Know: Bitcoin’s base layer still struggles with slow transactions, high fees, and limited programmability, creating a gap between its narrative and everyday usability. As demand for high-throughput DeFi and dApps grows, users increasingly expect instant confirmations and low fees, even when interacting with Bitcoin-linked assets. Bitcoin Hyper plans to introduce a Bitcoin Layer-2 with SVM integration, aiming to deliver faster-than-Solana performance while preserving Bitcoin’s settlement security. By combining low-latency execution, SVM-based smart contracts, and Rust tooling, Bitcoin Hyper targets wrapped $BTC payments, DeFi, NFTs, and gaming on a Bitcoin-secured backbone. Bitcoin’s narrative is shifting again. After a decade of proving itself as pristine collateral and macro hedge, attention is swinging back to utility: payments that actually feel instant, and apps that don’t grind to a halt when demand spikes. Yet on the base layer, Bitcoin still moves slowly, with limited capacity of just seven transactions per second, and no native smart contracts. That mismatch is becoming harder to ignore as users experience sub-second confirmations and near-zero fees on newer chains. When you can move assets cheaply and interact with DeFi in real time elsewhere, waiting minutes for a Bitcoin transaction feels like a relic from another era. The demand is clear: keep Bitcoin’s battle-tested security, but upgrade the experience. ⚙️ This is where Bitcoin Hyper ($HYPER) enters the scene. The project positions itself as a Bitcoin Layer-2 that integrates the Solana Virtual Machine (SVM), promising Solana-style performance anchored to Bitcoin’s trust layer. If it works, Bitcoin-native dApps stop being theory and start being everyday tools. And the $HYPER presale structure doubles down on that thesis. With a staged price schedule and a $28.8M+ raise, early conviction is rewarded: those stepping in now are effectively betting that Bitcoin Hyper can become a go-to hub for high-speed, Bitcoin-backed DeFi and dApps, not just another speculative token. ➡️ Discover more about this Layer-2 project in our comprehensive Bitcoin Hyper review. Bitcoin Hyper Aims to Turn $BTC Into a High-Speed dApp Platform Bitcoin Hyper pitches a straightforward value proposition: turn Bitcoin from a slow settlement rail into a high-throughput environment where you can pay, trade, lend, and game at speeds that compete with top Layer-1s. Instead of fighting Bitcoin’s limitations, it will route activity to a Layer-2 execution environment while anchoring security back to the main chain. By integrating the SVM, Bitcoin Hyper aims to deliver faster performance than Solana itself for many use cases, while still treating $BTC as the core asset in the ecosystem. That means high-speed payments in wrapped $BTC with low fees, plus DeFi primitives – like swaps, lending, and staking – that feel responsive rather than congested. The project also targets builders with a Rust-based SDK and API support for NFT platforms and gaming dApps, giving developers a familiar toolkit while tapping into Bitcoin’s liquidity. The early traction is notable: the presale has already raised $28.8M, signaling that the market sees potential in a Bitcoin Layer-2 that targets Solana-level speed. ➡️ Check out our guide to buying Bitcoin Hyper if you plan to join the presale. $HYPER’s Presale Momentum Signals Rising Confidence For Bitcoin holders tired of choosing between security and usability, Bitcoin Hyper offers a different trade-off: keep $BTC at the center, but get Solana-style speed and dApp depth. And as the presale races toward the $30M milestone, it’s securing investors and liquidity to entrench that position. The presale’s pricing, early staking incentives, and clear focus on SVM-powered performance give $HYPER a differentiated pitch in a crowded market. Bitcoin Hyper currently costs $0.013355 per token and dynamic staking at 40% APY right now. According to our Bitcoin Hyper price prediction, $HYPER has the potential to end 2026 at $0.08625 – that’s a ~546% ROI on today’s price. Looking further ahead, $HYPER could reach $0.253 by 2030, a significant ~1,794% ROI. That upside scenario assumes the project becomes a leading venue for Bitcoin-native DeFi and high-throughput applications, not just another experimental scaling play. 🐳 Momentum indicators are starting to line up with that thesis. Smart money is moving, with high-net-worth wallets joining the presale. Whale buys of $502.6K and $379.9K have contributed to $HYPER’s $28.8M-strong presale. Combined with 40% staking APY and rewards geared toward active governance, the tokenomics are clearly designed to favor early, engaged participants. Bitcoin Hyper’s rise as a candidate for best crypto to buy now reflects a deeper shift in the market: users want Bitcoin’s credibility paired with modern UX. If Bitcoin Hyper can bridge that gap between store-of-value and everyday utility and deliver on its promise of extremely low-latency execution, fast smart contracts, and a growing catalog of dApps, it could become a natural hub for Bitcoin-native activity. 🚀 Join the $HYPER presale before the next price increase. Disclaimer: This article is for informational purposes only and does not constitute financial, investment, or trading advice of any kind. Always do your own research before making any investment decision. Authored by Aaron Walker, NewsBTC – https://www.newsbtc.com/news/best-crypto-to-buy-now-as-bitcoin-hyper-presale-nears-30m

Author: NewsBTC

2025/12/01

Critical Alert: Bithumb Places YFI on Investment Warning List – What Investors Must Know

Critical Alert: Bithumb Places YFI on Investment Warning List – What Investors Must Know

BitcoinWorld Critical Alert: Bithumb Places YFI on Investment Warning List – What Investors Must Know In a significant move that has caught the attention of the cryptocurrency community, South Korean exchange giant Bithumb has placed Yearn.finance (YFI) on its investment warning list. This decision directly impacts traders and signals potential security concerns within the DeFi ecosystem that every investor should understand. Why Did Bithumb Issue This YFI Investment Warning? Bithumb […] This post Critical Alert: Bithumb Places YFI on Investment Warning List – What Investors Must Know first appeared on BitcoinWorld.

Author: bitcoinworld

2025/12/01

Best Crypto to Invest While BTC Fades, Why Analysts Predict a 900% Climb By Mid-2026

Best Crypto to Invest While BTC Fades, Why Analysts Predict a 900% Climb By Mid-2026

The post Best Crypto to Invest While BTC Fades, Why Analysts Predict a 900% Climb By Mid-2026 appeared first on Coinpedia Fintech News Bitcoin’s dominance is slowly shrinking as its volatility declines and ETF-driven maturity limits upside. Analysts notice that BTC’s risk-adjusted returns are becoming less attractive for large capital flows. With slower growth, investors are turning to mid-cap DeFi projects that provide real utility and tangible returns. Among these, Mutuum Finance (MUTM) is emerging as a top …

Author: CoinPedia

2025/12/01

Ethereum Price Prediction: ETH Reclaims $3,000 as Mutuum Finance (MUTM) Zooms Past 95% Complete in Phase 6 Presale With $19M Raised

Ethereum Price Prediction: ETH Reclaims $3,000 as Mutuum Finance (MUTM) Zooms Past 95% Complete in Phase 6 Presale With $19M Raised

Ethereum has regained the $3,000 level with a strong recovery from long-term support and is setting the stage for a potential run-up and establishment of new year-high prices on the charts. This came about due to improved market liquidity and a fresh fascination with large-cap alternative coins, leading to a positive outlook on the future […]

Author: Cryptopolitan

2025/12/01

Tether Dominates CeFi Lending at $25B Peak Since 2022

Tether Dominates CeFi Lending at $25B Peak Since 2022

The post Tether Dominates CeFi Lending at $25B Peak Since 2022 appeared on BitcoinEthereumNews.com. The CeFi lending market has surged to $25 billion in outstanding loans during Q3 2024, marking its highest level in over three years and reflecting greater transparency and stability compared to past cycles. CeFi lending market reaches $25 billion in Q3 2024, up over 200% since early this year, driven by transparent platforms like Tether and Nexo. Unlike the 2022 peak, today’s market emphasizes full collateralization and stricter risk controls following major platform collapses. DeFi lending complements this growth, hitting a record $41 billion in Q3 2024, pushing total crypto borrowing to $65.4 billion. Explore the booming CeFi lending market at $25 billion in Q3 2024, with Tether leading at 60% share. Discover transparency gains and DeFi highs—stay ahead in crypto finance today. What is driving the growth of the CeFi lending market in 2024? The CeFi lending market has experienced significant expansion, reaching nearly $25 billion in outstanding loans by the end of Q3 2024, its highest since early 2022. This growth, up more than 200% from the start of the year according to Galaxy Research, stems from increased transparency among key players like Tether, Nexo, and Galaxy, replacing less stable predecessors. The shift follows lessons from past collapses, fostering conservative lending practices and full collateral requirements. How has the CeFi lending landscape evolved since 2022? The CeFi lending landscape has transformed dramatically since the 2022 market downturn. Previously dominated by platforms such as Genesis, BlockFi, Celsius, and Voyager—which suffered heavily from exposures to FTX’s collapse in November 2022 and Celsius’s earlier bankruptcy in July 2022 due to Three Arrows Capital—the market now prioritizes transparency and risk management. Galaxy Research reports that new entrants have filled the void, with Tether holding $14.6 billion in open loans as of September 30, 2024, capturing 60% of the market share. Nexo follows…

Author: BitcoinEthereumNews

2025/12/01

👨🏿‍🚀TechCabal Daily – Google’s AI brain is coming to Nigeria

👨🏿‍🚀TechCabal Daily – Google’s AI brain is coming to Nigeria

In today's edition: Google to revamp AI curricula in Nigeria || 27 banks have turned to the markets for capital, says CBN || Kenya has lost $200 million to cybercrimes this year || Special Number

Author: Techcabal

2025/12/01

Stablecoins in 2025: You're in the Dream of the Red Chamber, I'm in Journey to the West

Stablecoins in 2025: You're in the Dream of the Red Chamber, I'm in Journey to the West

2025 was a year of excitement and division for stablecoins, starting with the US Genius Act's definition of stablecoin compliance, followed by Hong Kong's passage of the Stablecoin Ordinance, which sparked heated discussions about offshore RMB stablecoins and debates about the digital RMB, culminating in the final chapter of stablecoins in mainland China in 2025. Who is in the Dream of the Red Chamber, and who is in Journey to the West? We probably all have the answer in our hearts. However, we need to look beyond the surface to understand the essence. We need to clarify the underlying logic of stablecoins in 2025 and see the future development trends. What has changed fundamentally about stablecoins that have garnered global attention in 2025, and what hasn't actually changed at all? At the 2025 Financial Street Forum Annual Meeting in October, Pan Gongsheng, Governor of the People's Bank of China, stated: "Since 2017, the People's Bank of China, together with relevant departments, has successively issued a number of policy documents to prevent and deal with the risks of domestic virtual currency trading and speculation. These policy documents are still in effect. In the next step, the People's Bank of China will work with law enforcement agencies to continue to crack down on the operation and speculation of domestic virtual currencies, maintain economic and financial order, and at the same time closely monitor and dynamically assess the development of overseas stablecoins." We will focus on: "Policy documents remain in effect" and "Dynamically assess the development of offshore stablecoins". I. Mainland regulators' attitude towards virtual currencies remains unchanged – continued crackdown. 1.1 Mainland China Regulation: The Virtual Currency Nature of Stablecoins Recently, 13 ministries held a meeting to define the legal status of stablecoins under the mainland's regulatory system: http://www.pbc.gov.cn/goutongjiaoliu/113456/113469/5916794/index.html On November 28, 2025, the People's Bank of China convened a meeting of the coordination mechanism for combating speculation in virtual currency trading. Officials from the Ministry of Public Security, the Cyberspace Administration of China, the Central Financial Stability and Development Office, the Supreme People's Court, the Supreme People's Procuratorate, the National Development and Reform Commission, the Ministry of Industry and Information Technology, the Ministry of Justice, the People's Bank of China, the State Administration for Market Regulation, the State Financial Regulatory Commission, the China Securities Regulatory Commission, and the State Administration of Foreign Exchange attended the meeting. The meeting pointed out that in recent years, all units have earnestly implemented the decisions and deployments of the CPC Central Committee and the State Council, and in accordance with the requirements of the "Notice on Further Preventing and Handling Risks of Virtual Currency Trading and Speculation" jointly issued by the People's Bank of China and ten other departments in 2021, have resolutely cracked down on virtual currency trading and speculation, rectified the chaos in the virtual currency market, and achieved significant results. Recently, affected by various factors, virtual currency speculation has resurfaced, and related illegal and criminal activities have occurred from time to time, posing new challenges and new situations for risk prevention and control. The meeting emphasized: Virtual currencies do not have the same legal status as legal tender, do not have legal tender status, and should not and cannot be used as currency in the market. Virtual currency-related business activities are illegal financial activities. Stablecoins are a form of virtual currency that currently cannot effectively meet requirements for customer identification and anti-money laundering, and are at risk of being used for illegal activities such as money laundering, fundraising fraud, and illegal cross-border fund transfers. The meeting required all units to adhere to the guidance of Xi Jinping Thought on Socialism with Chinese Characteristics for a New Era, fully implement the spirit of the 20th National Congress of the Communist Party of China and its subsequent plenary sessions, regard risk prevention and control as the perpetual theme of financial work, continue to uphold the prohibitive policy on virtual currencies, and persistently crack down on illegal financial activities related to virtual currencies. All units should deepen coordination and cooperation, improve regulatory policies and legal basis, focus on key links such as information flow and capital flow, strengthen information sharing, further enhance monitoring capabilities, severely crack down on illegal and criminal activities, protect the property safety of the people, and maintain the stability of the economic and financial order. 1.2 The attitude of mainland regulators towards virtual currencies remains unchanged. Yesterday's meeting was a concrete implementation of the "Notice on Further Preventing and Handling Risks of Virtual Currency Trading and Speculation" (Yinfa [2021] No. 237) issued in 2021, demonstrating that "the policy document remains valid." https://www.gov.cn/zhengce/zhengceku/2021-10/08/content_5641404.htm Including stablecoins within the category of virtual currencies means that stablecoin/virtual currency-related business activities constitute illegal financial activities. "We will continue to uphold our prohibitive policy towards virtual currencies and persistently crack down on illegal financial activities related to virtual currencies." The rhetoric represents a trend toward stricter enforcement; previously, the descriptions of illegal financial activities involving virtual currencies were illustrative, but now they are direct and general. Although virtual currencies are recognized as "virtual commodities" in China (with their property attributes partially acknowledged in criminal and civil judicial practice), their place of existence as "financial assets" or "settlement tools" has been completely eradicated in mainland China. 1.3 The practitioners remain unchanged – walking on thin ice Although stablecoins have been included in the scope of virtual currencies under the mainland's regulatory framework, let's think back and see what changes this brings to industry practitioners. Actually, no. We are still expanding overseas, still operating within compliance regulations, obtaining licenses in the relevant jurisdictions, and fulfilling the regulatory requirements of various regions. It's still like walking on thin ice. II. The financial infrastructure based on blockchain has changed – dynamically assessing the development of overseas stablecoins The U.S. Genius Grant Act provides a clear definition for stablecoins: "Payment stablecoins" are digital currencies that rely on distributed ledgers, are pegged to national fiat currencies, and are used for payments and settlements. Let's set aside for now the various forms of digital currency: stablecoins, deposit tokens, and CBDCs. What has changed? — The ledgers on which assets are based have changed, becoming more efficient, more convenient, and more globalized. This is what Europe and America are flocking to; it's what Blackrock's CEO stated: "asset tokenization" will lead the next financial revolution; it's the Federal Reserve's "historic" meeting where they actively discussed embracing this innovation; it's the direction of Nasdaq's transformation: tokenized trading, tokenized IPOs, and 24/7 trading. This is also a point that mainland regulators need to dynamically assess – the financial infrastructure based on blockchain, regardless of what kind of digital assets are running on it. 2.1 Starting from the origins of blockchain As Dr. Xiao said, we need to start from the origin of blockchain, from first principles, and from the basics, to examine the currently hotly debated digital currencies/crypto assets, the crypto market, and the blockchain technology behind them. What is the essence of finance? It is the mismatch of value across time and space. This essence has remained unchanged for millennia. Blockchain-based new finance can greatly improve the efficiency of finance: Transcending time. This is reflected in two aspects: firstly, the time value of money; and secondly, transactions and settlements. Cross-space. Globally, value allocation across spaces. The way value is transferred. Just as the essential attributes (measure of value) and core function (medium of exchange) of money remain unchanged, despite the evolution of its various forms and manifestations such as shells, tokens, cash, deposits, electronic money, and stablecoins, the essence of finance remains the same. The key question is how to provide better financial services in a distributed, digitalized, and time-transcending context. 2.2 New Financial Infrastructure Compared to traditional finance, the biggest innovation of new finance lies in the change in the way accounting is done—the blockchain, a transparent and publicly accessible global public ledger. Humanity's accounting methods have only changed three times in thousands of years, each profoundly shaping economic forms and social structures, and each breakthrough reflecting the co-evolution of technology and civilization. The single-entry bookkeeping system of the Sumerian period (around 3500 BC) enabled humanity to overcome the limitations of oral communication for the first time, promoting early trade and the formation of states, as it necessitated the recording of taxes and trade. Commercial dispute clauses appeared in the ancient Babylonian Code of Hammurabi. Double-entry bookkeeping played a significant role in the commercial revolution of the Renaissance (14th-15th centuries). The prosperity of trade among Mediterranean city-states, the investment of Genoa's fleet, and the Medici family's transnational bank all required complex financial instruments, which in turn spurred the emergence of banks and multinational corporations and the establishment of commercial credit. What followed was the distributed ledger technology we are familiar with, which was driven by Bitcoin in 2009, leading to decentralized finance, changes in trust mechanisms, and the rise of digital currencies. This new financial system, revolutionized by distributed ledger technology, is inextricably linked to blockchain, smart contracts, digital wallets, and programmable currencies. Blockchain, as the ledger settlement layer of financial infrastructure, was initially designed to solve the problem of eventual consistency in payment clearing. The combination of digital currencies built on distributed ledgers and smart contracts can bring limitless possibilities to the new financial system: near-instantaneous settlement, 24/7 availability, low transaction costs, and the programmability, interoperability, and composability with DeFi inherent in digital currency tokens themselves. Therefore, the new finance mainly presents three major changes: First, the accounting method has changed from centralized double-entry bookkeeping to decentralized distributed bookkeeping; Second, the account changes from a bank account to a digital wallet; Third, the accounting unit has changed from legal tender to digital currency. The most important distributed ledger emerged because of its digital characteristics that span time, space, and organization. 2.3 The dramatic changes in financial infrastructure Therefore, regardless of the various forms of digital currency—stablecoins, deposit tokens, CBDCs—the financial infrastructure based on blockchain has undergone a radical transformation. What seeds have been sown here? What makes digital currency unique is that it sits at the intersection of three massive markets: payments, lending, and capital markets. Not to mention the value channel of the future AI-based silicon civilization. Despite the wave of deglobalization caused by geopolitical factors, we will still be brought together by the unified ledger of blockchain, and you will find that the world really is flat. Just like the book says: "We wanted transoceanic planes, but we invented Zoom instead." III. In Conclusion In fact, the key points that "policy documents remain valid" and "dynamically assess the development of overseas stablecoins" still provide us with guidance. Although the reality of stablecoins in 2025 may seem surreal, like "you're in the Dream of the Red Chamber, I'm in Journey to the West." "I am on the journey to the West" is about leaving home, spiritual practice, the obsession with overcoming the eighty-one tribulations, and the ambition to explore the next generation of financial infrastructure. In 2008, Modern Sky released a music compilation album called "You Are in the Dream of the Red Chamber, I Am in Journey to the West", which was inspired by "Dream of the Red Chamber" and "Journey to the West" and reinterpreted classic songs, forming a cultural dialogue between classical and modern, East and West, and fantasy and reality. You go on your journey through the mortal world, while I embark on my long and arduous journey. But in the end, we may all arrive at the same destination by different paths.

Author: PANews

2025/12/01

Ethereum Price Falls Under $3,000, But Experts Say Supercycle Is Just ‘Starting’

Ethereum Price Falls Under $3,000, But Experts Say Supercycle Is Just ‘Starting’

The post Ethereum Price Falls Under $3,000, But Experts Say Supercycle Is Just ‘Starting’ appeared first on Coinpedia Fintech News The cryptocurrency market has slipped into the red zone. Bitcoin has once again dipped below the $90k mark and Ethereum has crashed to $2800. Amid this tense situation, Sharplink CEO Joseph Chalom has opened up about a possible Ethereum supercycle.  In an interview with Milkroad, he said that a few years ago, explaining Ethereum to …

Author: CoinPedia

2025/12/01

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