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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.

15767 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Crypto Cards Without Fees? Bitget Wallet Is Trying to Make It Happen

Crypto Cards Without Fees? Bitget Wallet Is Trying to Make It Happen

The post Crypto Cards Without Fees? Bitget Wallet Is Trying to Make It Happen appeared on BitcoinEthereumNews.com. Bitget Wallet unveils a zero-fee crypto card in 50+ countries for seamless stablecoin spending. Users get $400/month with no fees on FX markups, conversions, or hidden charges. Bitget’s Pay Suite offers crypto card, QR payments, in-app shopping, and fiat-to-crypto bridging. While stablecoins now move more money annually than Visa, crypto payments still feel expensive. Bitget Wallet’s new zero-fee card and Pay Suite aim to change that. Stablecoin Growth, but Still Expensive to Spend Stablecoins surpassed Visa in transaction volume this year, showing how digital dollars are becoming faster and more efficient than traditional money. But spending crypto can still be costly. Most crypto cards come with hidden fees: 1.5%–3% for currency exchange 0.5%–1.5% for top-ups or conversions 0.5%–3% in price slippage Plus annual or inactivity fees These fees can add up to 7% per transaction, making crypto less efficient than it should be. Bitget Wallet’s Zero-Fee Crypto Card Bitget Wallet has launched a zero-fee crypto debit card in over 50 countries, including Europe, Latin America, and parts of Asia. It works with Visa and Mastercard while keeping everything on the blockchain. Users get a $400 monthly allowance with no fees for FX markups, conversion costs, or hidden charges. Transactions use real-time exchange rates, solving one of the biggest pain points of using crypto cards. Why This Matters: Stablecoins Are Becoming Mainstream The rise of stablecoins is making crypto a more common payment method. The IMF reported $1.2 trillion in stablecoin transactions in Q3 2025, with 70% of this volume coming from emerging markets, areas most affected by currency exchange issues. Bitget Wallet data shows that 40% of users now use crypto for everyday payments, moving beyond just trading. Stablecoins are already being used as regular currency for things like remittances and e-commerce. The main barrier is high fees, and Bitget…

Author: BitcoinEthereumNews

2025/11/20

ETH-backed loans: Coinbase’s Revolutionary $1 Million Crypto Lending Opportunity

ETH-backed loans: Coinbase’s Revolutionary $1 Million Crypto Lending Opportunity

BitcoinWorld ETH-backed loans: Coinbase’s Revolutionary $1 Million Crypto Lending Opportunity Have you ever wanted to access cash without selling your precious Ethereum holdings? Coinbase just made this possible with their groundbreaking ETH-backed loans program. Through a partnership with Morpho’s lending protocol on the Base network, you can now secure loans up to $1 million using your ETH as collateral. This revolutionary approach lets crypto investors […] This post ETH-backed loans: Coinbase’s Revolutionary $1 Million Crypto Lending Opportunity first appeared on BitcoinWorld.

Author: bitcoinworld

2025/11/20

BlackRock’s Staked Ethereum ETF Play Could Supercharge Bitcoin Hyper

BlackRock’s Staked Ethereum ETF Play Could Supercharge Bitcoin Hyper

What to Know: BlackRock’s move toward a staked Ethereum ETF marks the arrival of yield-bearing crypto ETFs that blend price exposure with on-chain staking rewards. The success of ETHA and broader interest in staking products indicate that major asset managers are ready to scale deeper into core crypto infrastructure. Bitcoin Hyper addresses Bitcoin’s scalability limits through a rollup-style Layer-2 using wrapped BTC, aiming to transform Bitcoin into a functional DeFi settlement layer. With more than $28M raised, 41% staking rewards, and utility tied directly to Bitcoin’s expansion, Bitcoin Hyper provides asymmetric upside in an ETF-driven market cycle. BlackRock just spun up a new trust in Delaware for an iShares Staked Ethereum Trust ETF, signaling phase two of institutional crypto: yield on-chain, wrapped in TradFi. Roughly 15 months after launching its flagship Ethereum ETF, $ETHA, the asset management giant is now lining up a product that combines $ETH price exposure with staking rewards. $ETHA, which launched in July 2024, has already pulled in around $13B in inflows and quickly became one of the most successful spot Ethereum ETFs on the market. The key detail: ETHA itself does not stake its $ETH, so investors get pure price exposure alone, and nothing from the roughly 4% average staking yield that validators earn on-chain. The new trust changes that equation. A staked $ETH ETF would transform Ethereum exposure into a total-return product, tacking on staking yield to capital gains. That kind of structure is tailor-made for institutions that want the benefits of blockchain without running their own validator infrastructure or worrying about slashing risks. As more issuers follow with staking products, a larger slice of $ETH will be locked up, tightening supply and deepening liquidity in regulated venues. When big money gets comfortable with yield-bearing crypto ETFs on Bitcoin and Ethereum, the usual pattern is simple: liquidity and attention trickle down the risk curve. First majors, then high-beta infrastructure plays. In this cycle, one of the cleanest ways to express that ‘higher beta on Bitcoin’ thesis is not another meme coin, but a Bitcoin Layer-2 like Bitcoin Hyper ($HYPER) that tracks Bitcoin’s performance while adding real utility. That is where Bitcoin Hyper’s ongoing presale starts to look very interesting. Bitcoin Hyper Turns Bitcoin into A Scalable DeFi Powerhouse Bitcoin Hyper is building a Layer-2 rollup on top of Bitcoin that batches transactions off-chain, executes them at high speed, then settles the final state back to Bitcoin Layer-1. In practice, it aims to turn Bitcoin into something that feels closer to Solana in terms of speed, while still inheriting Bitcoin’s battle-tested security. To do this, the team uses a canonical bridge that wraps native $BTC into a compatible asset for use on the Hyper rollup. A Solana Virtual Machine environment then handles execution, enabling thousands of transactions per second and near-instant finality. On top of that, developers can plug in DeFi protocols, NFT marketplaces, and other dApps that simply are not viable on Bitcoin’s base layer today. This is the pain point Bitcoin Hyper goes after: Bitcoin is the largest, most trusted asset in crypto, yet still awkward to use beyond simple transfers and custody. Fees spike in every hype cycle, throughput caps out around single-digit TPS, and DeFi flows largely bypass the network. By pushing computation to an L2 while anchoring security on Bitcoin, Hyper tries to unlock that trapped value. From a macro angle, the timing lines up with the ETF story. As spot Bitcoin ETFs accumulate coins and BlackRock explores yield products on Ethereum, more institutional capital is parked in base-layer assets. The next logical step is infrastructure that lets those assets actually move and work in DeFi. A Bitcoin-native L2 that can route wrapped BTC into lending, DEXs, and payments is directly aligned with that shift. Add in the project’s public focus on conservative security assumptions, and the narrative becomes straightforward: a scaling solution that respects the base chain, rather than trying to replace it. Bitcoin Hyper Presale, Staking Rewards, And ETF-Driven Upside On the numbers side, the Bitcoin Hyper presale has already raised over $28M, with the current token price sitting at $0.013305. That puts it in the upper tier of the best crypto presales of 2025 and suggests there is real appetite for Bitcoin-aligned infrastructure rather than just memes. Staking is a major part of the pitch. Early buyers can stake $HYPER for reported rewards of around 41%, turning idle presale allocations into a yield-bearing position while the team ships its roadmap. Learn how to buy and stake $HYPER today. For investors who are already eyeing BlackRock’s staked $ETH ETF as a source of passive income, that kind of on-chain yield on a high-beta token adds an extra layer of torque. There is also a clear roadmap-linked upside story. Our price modeling sees potential highs of $0.08625 in 2026 if Bitcoin Hyper hits its milestones around mainnet, early dApps, and DAO launch. Relative to the current presale price of $0.013305, that target implies roughly a 546% increase. For holders who already believe in Bitcoin’s long-term trajectory and see BlackRock-style products as confirmation, $HYPER acts like a leveraged play on that same thesis: more throughput, more DeFi rails, and more ways for $BTC liquidity to earn yield. In other words, while BlackRock stays tightly focused on Bitcoin and Ethereum ETFs, investors who want to front-run where that institutional adoption might push demand next are looking directly at Bitcoin Layer-2s. Right now, Bitcoin Hyper is one of the few presales offering that combination of narrative fit, clear technical design, and significant capital already committed. Check out the Bitcoin Hyper presale. This article is for informational purposes only and is not financial advice. Crypto and presale investments are highly volatile and risky. Authored by Aaron Walker for NewsBTC — https://www.newsbtc.com/news/ blackrock-staked-ethereum-etf-bitcoin-hyper-layer2-presale

Author: NewsBTC

2025/11/20

Coinbase launches ETH-secured loans through Morpho, allowing users to borrow up to $1 million.

Coinbase launches ETH-secured loans through Morpho, allowing users to borrow up to $1 million.

PANews reported on November 20th that, according to The Block, Coinbase has expanded its on-chain lending product to support Ethereum as collateral. Eligible customers can borrow up to 1 million USDC without selling their cryptocurrency. These loans are powered by the Morpho lending protocol on the Base chain, with Coinbase providing the user interface. ETH is the first of several collateral assets that Coinbase plans to support, aiming to serve long-term holders seeking liquidity to meet needs such as down payments or debt refinancing, while avoiding tax triggers. Initially, ETH-collateralized loans will use WETH as collateral, and later will support pledged ETH, which will be converted into cbETH as the underlying collateral token. This service is coming soon. There is no fixed repayment schedule for the loan. Borrowers can avoid liquidation by maintaining a healthy loan-to-value (LTV) ratio, with a maximum loan-to-value ratio of 75%. Liquidation will be triggered when the LTV reaches 86%, the same ratio as for loans secured by BTC. Loan interest rates are determined by supply and demand on Morpho, and loan proceeds cannot be traded on the Coinbase platform. The service is currently available to verified users in the United States (excluding New York State), with plans to expand to international users in the future.

Author: PANews

2025/11/20

Coinbase adds ETH-backed loans via Morpho, letting users borrow up to $1 million

Coinbase adds ETH-backed loans via Morpho, letting users borrow up to $1 million

Coinbase now allows users to borrow up to $1 million in USDC against ETH, expanding its onchain loan product offered via Morpho.

Author: The Block

2025/11/20

How Bitcoin bulls make money during downturns — and why BTC could hit $85k soon

How Bitcoin bulls make money during downturns — and why BTC could hit $85k soon

When Bitcoin falls, most people see a shrinking number on a screen. The committed bull sees an opportunity to stack more sats for the next run quietly. Bear markets feel brutal in real time. Timelines fill with capitulation, “Bitcoin is dead” posts resurface, and the same people who were breathless at the top sound bored […] The post How Bitcoin bulls make money during downturns — and why BTC could hit $85k soon appeared first on CryptoSlate.

Author: CryptoSlate

2025/11/20

Why XRP Staking Is Outperforming Bitcoin Trading — Insights Before Tundra’s Launch

Why XRP Staking Is Outperforming Bitcoin Trading — Insights Before Tundra’s Launch

The post Why XRP Staking Is Outperforming Bitcoin Trading — Insights Before Tundra’s Launch appeared on BitcoinEthereumNews.com. Bitcoin’s dramatic reversal over the past month has reshaped the behavior of both retail traders and institutional desks. On October 6, BTC reached a record high of $126,272, but the market quickly shifted. A series of sell-offs pushed the asset below $90,000 by mid-November, erasing every gain made in 2025. The decline exceeded 20%, formally placing BTC in bear-market territory.  CryptoQuant data showed whales selling into strength at a net profit, and retail traders refused to step in. The sentiment also collapsed into “extreme fear” after Bitcoin failed to reclaim the psychologically significant $100,000 threshold. As trading volatility increases, investors are paying closer attention to staking systems. Here, returns depend on measurable protocol revenue rather than market swings. This shift coincides with an acceleration within the XRP ecosystem itself. It’s driven by ETF activity, ODL expansion, and growing expectations that 2026 will be a pivotal year for XRPL infrastructure.  Against this backdrop, XRP Tundra has emerged as one of the most examined staking launches heading into January. That’s because of its dual-chain architecture, non-inflationary reward model, and its role in the first integrated DeFi ecosystem built specifically for XRP holders. Bitcoin Volatility Has Revived Interest in Predictable Yield Models The contrast between Bitcoin trading and staking-based income has never been sharper. BTC’s fall from its October peak happened quickly and decisively, with the week ending Nov. 14 alone seeing a decline of more than 9%. Large holders trimmed exposure while retail traders avoided dip-buying, resulting in one of the weakest sentiment readings of the year. Short-term traders who entered during the run-up now face a market where direction is unclear and volatility dominates. During similar cycles in previous years, analysts observed a rotation toward yield-generating protocols that do not rely on price appreciation. That same pattern is unfolding again. Staking…

Author: BitcoinEthereumNews

2025/11/20

This New Crypto Could Surge 550% Sooner Than Anyone Thinks, Analysts Reveal Key Data

This New Crypto Could Surge 550% Sooner Than Anyone Thinks, Analysts Reveal Key Data

A new digital asset is moving faster than many expected, and early signals suggest it could end up being one of the standout performers of the next cycle. Investors watching top crypto trends say interest is rising quickly, and the latest on-chain behaviour hints that momentum may be building sooner than most predicted. While the [...] The post This New Crypto Could Surge 550% Sooner Than Anyone Thinks, Analysts Reveal Key Data appeared first on Blockonomi.

Author: Blockonomi

2025/11/20

Tesla (TSLA) Stock Jumps Following xAI’s $15 Billion Fundraising Round

Tesla (TSLA) Stock Jumps Following xAI’s $15 Billion Fundraising Round

TLDR Tesla shares reached $410.50 on November 20, gaining 2.3% after xAI fundraising news emerged Musk’s xAI is securing $15 billion at a $230 billion valuation, nearly double its March value Tesla shareholders cast 1.1 billion votes supporting a potential xAI investment during their annual meeting The stock closed Wednesday at $403.99, up 0.7% as [...] The post Tesla (TSLA) Stock Jumps Following xAI’s $15 Billion Fundraising Round appeared first on Blockonomi.

Author: Blockonomi

2025/11/20

The New Revolution of Indices: How DTFs Are Redefining On-Chain Finance

The New Revolution of Indices: How DTFs Are Redefining On-Chain Finance

The market capitalization of Decentralized Token Folios (DTF) surpasses $9 million in the first eight months since launch.

Author: The Cryptonomist

2025/11/20

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