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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.

15737 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Coinbase is expanding its DeFi Mullet service to Brazil

Coinbase is expanding its DeFi Mullet service to Brazil

Coinbase is expanding its DeFi Mullet service to Brazil.

Author: Cryptopolitan

2025/11/20

Circle Puts USYC on BNB Chain as Developers Gain New Yield Tools

Circle Puts USYC on BNB Chain as Developers Gain New Yield Tools

TLDR: Circle brings USYC to BNB Chain, giving developers yield-accruing collateral in active DeFi markets. USYC settles directly into USDC onchain, supporting predictable liquidity for automated strategies. Developers can integrate USYC like a standard ERC-20 asset after completing Circle’s onboarding checks. The token offers price-based yield with no staking or reward claims, easing operational complexity. [...] The post Circle Puts USYC on BNB Chain as Developers Gain New Yield Tools appeared first on Blockonomi.

Author: Blockonomi

2025/11/20

A review of 5 key themes, illustrating the hottest trends in the crypto market in 2025.

A review of 5 key themes, illustrating the hottest trends in the crypto market in 2025.

Author: Alana Levin Compiled by: Deep Tide TechFlow Note: Images in this article have been translated for sections with more text. Please view the full report for more details. I'm thrilled to release my 2025 Crypto Trends Report! The report describes the growth of the crypto industry as a three-compound S-curve story: asset creation, asset accumulation, and asset utilization. From this perspective, the report forecasts the future development of the industry by focusing on five key thematic areas: macroeconomics, stablecoins, centralized exchanges, on-chain activities, and cutting-edge markets. Our position on each curve helps identify remaining startup opportunities and foreseeable favorable development trends. From a macro perspective, the size of major crypto assets continues to expand. Despite record numbers of tokens in the market, the value concentration of the top ten crypto assets has remained remarkably stable. Asset accumulation is a self-reinforcing cycle: the more people who hold an asset, the faster its value grows, and the more likely it is to become a beneficiary of the "Lindy Effect" (which refers to the fact that the longer something exists, the greater its chances of survival in the future). This trend is particularly evident among the top five crypto assets—almost no new assets have entered this tier in the past few years. However, one asset class is not included in the chart above: stablecoins. New stablecoins are emerging at a record pace. The first $100 billion supply took more than 80 months, and the second $100 billion took more than 40 months. Now, we expect the third $100 billion supply to be achieved in less than 12 months. Creation → Accumulation + Utilization Stablecoins are being widely used in various products and scenarios, including payments, lending protocols, exchanges, and even as a store of wealth. Stablecoin adoption remains a huge opportunity for startups. We've already started to see some early signs of productization, such as revenue-generating products, lending, consumer payments, and receiving/receiving payments, but this is just the beginning! In the future, the productization of stablecoins will also include more areas such as credit systems, privacy transactions, fund coordination, and "buy now, pay later" (BNPL). The following sections will focus on centralized exchanges (CEXs): Centralized exchanges have benefited immensely from this "accumulation" trend. As more people seek to buy, sell, and hold crypto assets, they tend to choose centralized exchanges, which has generated trillions of dollars in trading volume for them. Exchanges are diversified businesses. Companies like @Coinbase have built strong business lines around users' secondary needs, such as custody services, staking services, and yield products. Many new ways to utilize crypto assets will be built directly on-chain, but may achieve strong distribution capabilities through centralized exchanges such as @Coinbase, @RobinhoodApp, and @krakenfx. So why would the future of asset utilization be built on the blockchain? On-chain activity is a breeding ground for innovation. Every stage of an asset's lifecycle can be experimented with on-chain, whereas in traditional finance these steps are often subject to restrictions and permission constraints. Furthermore, it is now easier than ever for new users to begin on-chain exploration – meaning that anyone, regardless of location or age, can start creating, accumulating, and utilizing crypto assets. Regarding creation: The number of new tokens created is one of the fastest-growing charts in the crypto space. As a result, total trading volume surged, and the development of decentralized exchanges (DEXs) continued. The market share of DEXs in the first six months of 2025 exceeded the total for 2021-2023. Another area where early signs of asset utilization can be observed is on-chain lending. Assets in lending protocols (such as @Morpho) have grown more than fivefold in the past few years and continue to grow! @Morpho is also a great example of the emerging trend of "building on-chain, distributing globally, and utilizing". It's worth noting that the S-curve of asset creation still has room for growth. So, where can we find these opportunities? On-chain, of course! An important new category of tokens is tokens created by institutions. Tokenized treasuries are among the first representatives of this emerging category. Similarly, we are beginning to see experimental explorations of on-chain equity. Many designs are being tested and may lead to a diverse spectrum of tokenized equity products in the future. Ultimately, the term "RWA" (Real World Assets) will expand to encompass a wider range of product types and token construction methods than it does today. These new assets will not only have intrinsic value but will also catalyze a new wave of demand for asset accumulation and utilization. The final section of the report focuses on cutting-edge markets, using the Forecasting Market as a prime example to demonstrate how encryption technology can transform products into platforms. The ability of cryptography to transform products into platforms is not new. We have already seen this in perpetual contracts (like @HyperliquidX) and lending protocols (like @Morpho). So if you're wondering where the future lies, why not start exploring on the blockchain? :)

Author: PANews

2025/11/20

Q3 2025 Crypto Lending Surges Amid Record Liquidations

Q3 2025 Crypto Lending Surges Amid Record Liquidations

The post Q3 2025 Crypto Lending Surges Amid Record Liquidations appeared on BitcoinEthereumNews.com. Key Points: Crypto lending surged by $20.46 billion in Q3 2025. DeFi lending increased by $14.52 billion. Largest single-day liquidation event reached $17 billion. Crypto lending surged by 38.5% in Q3 2025, reaching a record $73.59 billion, reported by Galaxy, while a market crash on October 10 forced $17 billion in liquidations. This record surge in crypto leverage and resulting liquidations highlight vulnerabilities in the market, significantly impacting investors and reflecting broader trends within the cryptocurrency ecosystem. Q3 Lending Peaks at $73.59 Billion Amid Market Turmoil Crypto lending surged by $20.46 billion in Q3 2025, reaching $73.59 billion. This increase was partly driven by heightened DeFi lending, which grew by $14.52 billion to $40.99 billion. Futures open interest, a measure of market leverage, saw significant growth, peaking at $220.37 billion by early October. However, a drastic market crash on October 10 led to the liquidation of over $17 billion in futures positions, marking the largest single-day liquidation event. Binance, Bybit, and Hyperliquid were prominent players in these liquidations. Market reactions were swift, with many exchanges dealing with unprecedented volumes. Despite the magnitude, there have been no official responses from industry leaders or regulatory bodies. Richard Teng, CEO, Binance, – “The record liquidations on October 10 reflect the volatile nature of crypto derivatives, but they also signal a critical juncture for risk management in trading.” Richard Teng, CEO, Binance, – “The record liquidations on October 10 reflect the volatile nature of crypto derivatives, but they also signal a critical juncture for risk management in trading.” Bitcoin Dips 18% as October Liquidations Set New Record Did you know? The $17 billion liquidation on October 10, 2025, surpassed the previous record of $10 billion set in May 2021. Bitcoin (BTC) currently trades at $92,599.74, with a market cap of $1.85 trillion and dominates…

Author: BitcoinEthereumNews

2025/11/20

Galaxy Releases Q3 Crypto Leverage Report: On-chain Lending Reaches Record Highs, Futures Liquidations Hit Record Highs

Galaxy Releases Q3 Crypto Leverage Report: On-chain Lending Reaches Record Highs, Futures Liquidations Hit Record Highs

PANews reported on November 20th that, according to Galaxy's Q3 Crypto Leverage Report, crypto lending surged by $20.46 billion in the third quarter of 2025, a 38.5% increase, reaching a record high of $73.59 billion. DeFi lending grew by $14.52 billion to $40.99 billion. Total DAT debt exceeded $12 billion, an increase of $422 million in the quarter. Futures open interest reached $187.79 billion at the end of September, peaking at $220.37 billion on October 6th. On October 10th, a market crash led to the forced liquidation of over $17 billion in futures positions, marking the largest single-day liquidation in history. Hyperliquid, Bybit, and Binance liquidated $10.08 billion, $4.58 billion, and $2.31 billion respectively.

Author: PANews

2025/11/20

Shocking Bitcoin Investor Move: $228 Million BTC Deposit to Kraken Sparks Market Speculation

Shocking Bitcoin Investor Move: $228 Million BTC Deposit to Kraken Sparks Market Speculation

BitcoinWorld Shocking Bitcoin Investor Move: $228 Million BTC Deposit to Kraken Sparks Market Speculation In a stunning development that’s shaking the cryptocurrency world, early Bitcoin investor Owen Gunden has made a monumental move that’s capturing global attention. Just hours ago, this pioneering Bitcoin investor transferred his entire remaining holdings of 2,499 BTC to the Kraken exchange, a transaction valued at an astonishing $228 million. This massive transfer from a […] This post Shocking Bitcoin Investor Move: $228 Million BTC Deposit to Kraken Sparks Market Speculation first appeared on BitcoinWorld.

Author: bitcoinworld

2025/11/20

PBOC sets USD/CNY reference rate at 7.0905 vs. 7.0872 previous

PBOC sets USD/CNY reference rate at 7.0905 vs. 7.0872 previous

The post PBOC sets USD/CNY reference rate at 7.0905 vs. 7.0872 previous appeared on BitcoinEthereumNews.com. The People’s Bank of China (PBOC) sets the USD/CNY central rate for the trading session ahead on Thursday at 7.0905 compared to the previous day’s fix of 7.0872 and 7.1201 Reuters estimate. PBOC FAQs The primary monetary policy objectives of the People’s Bank of China (PBoC) are to safeguard price stability, including exchange rate stability, and promote economic growth. China’s central bank also aims to implement financial reforms, such as opening and developing the financial market. The PBoC is owned by the state of the People’s Republic of China (PRC), so it is not considered an autonomous institution. The Chinese Communist Party (CCP) Committee Secretary, nominated by the Chairman of the State Council, has a key influence on the PBoC’s management and direction, not the governor. However, Mr. Pan Gongsheng currently holds both of these posts. Unlike the Western economies, the PBoC uses a broader set of monetary policy instruments to achieve its objectives. The primary tools include a seven-day Reverse Repo Rate (RRR), Medium-term Lending Facility (MLF), foreign exchange interventions and Reserve Requirement Ratio (RRR). However, The Loan Prime Rate (LPR) is China’s benchmark interest rate. Changes to the LPR directly influence the rates that need to be paid in the market for loans and mortgages and the interest paid on savings. By changing the LPR, China’s central bank can also influence the exchange rates of the Chinese Renminbi. Yes, China has 19 private banks – a small fraction of the financial system. The largest private banks are digital lenders WeBank and MYbank, which are backed by tech giants Tencent and Ant Group, per The Straits Times. In 2014, China allowed domestic lenders fully capitalized by private funds to operate in the state-dominated financial sector. Source: https://www.fxstreet.com/news/pboc-sets-usd-cny-reference-rate-at-70905-vs-70872-previous-202511200115

Author: BitcoinEthereumNews

2025/11/20

Spark Protocol Shifts Focus to Institutional DeFi Solutions

Spark Protocol Shifts Focus to Institutional DeFi Solutions

The post Spark Protocol Shifts Focus to Institutional DeFi Solutions appeared on BitcoinEthereumNews.com. Key Points: Spark Protocol shifts focus away from mobile app development. Company invests $1 billion in PayPal’s PYUSD. Institutional lending and liquidity infrastructure are prioritized. On November 20th, Spark Protocol officially halted its crypto mobile app development to focus on DeFi-native liquidity infrastructure, following significant market competition insights. This shift underscores growing institutional focus in DeFi, reshaping market strategy, as Spark’s $9.00 billion TVL indicates anticipated gains from institutional liquidity pivots. Spark Protocol Alters Mobile Strategy with $1 Billion PYUSD Investment Spark Protocol, under Phoenix Labs, has shelved its retail-focused mobile plans to develop its DeFi-native liquidity strategies. CEO Sam MacPherson confirmed the suspension, remarking, “Development is currently suspended” when asked about the mobile app’s status, as the company pivots towards institutional services, including a notable $1 billion allocation into PayPal’s PYUSD. Shifting resources away from retail aligns with the company’s strategic focus on its core strengths within a highly competitive market. Following this, Spark plans to leverage its experience with institutional-grade infrastructure to fortify its dominance. Significant community reactions reflect a supportive stance towards comprising solidified institutional trust, underscoring a positive acknowledgment of management’s intentional market direction. Industry leaders view this as a proactive alignment with evolving market demands. Per CoinMarketCap, Spark’s (SPK) value is $0.03, with a market cap of approximately $64.05 million. Recent trading data shows a 54.67% decrease over 90 days, emphasizing prolonged price challenges. The total supply stands at 10 billion, with most tokens yet to circulate. The Spark Protocol, according to Coincu, reinforces the industry’s growing trend of focusing on institutional markets as regulatory landscapes evolve globally. Consequent expansions in liquidity pools, particularly involving PayPal’s stablecoin, reveal novel avenues for future growth within economically enduring frameworks. Historical Insights and Current Market Performance of SPK Did you know? In DeFi’s history, major shifts from retail…

Author: BitcoinEthereumNews

2025/11/20

Block Projects $15.8 Billion Gross Profit by 2028 in Investor Day Outlook

Block Projects $15.8 Billion Gross Profit by 2028 in Investor Day Outlook

The post Block Projects $15.8 Billion Gross Profit by 2028 in Investor Day Outlook appeared on BitcoinEthereumNews.com. Block projects gross profit of $15.8 billion by 2028, driven by mid-teens annual growth in its Cash App and seller ecosystem, including crypto services. This outlook follows its investor day, aiming to boost adjusted operating income to $4.6 billion amid strategic expansions in AI tools and lending products. Block’s 2028 gross profit target stands at […] Source: https://en.coinotag.com/block-projects-15-8-billion-gross-profit-by-2028-in-investor-day-outlook

Author: BitcoinEthereumNews

2025/11/20

Block Announces $5B Buyback and 30% Annual Growth Goal in Bold Three-Year Strategy

Block Announces $5B Buyback and 30% Annual Growth Goal in Bold Three-Year Strategy

The post Block Announces $5B Buyback and 30% Annual Growth Goal in Bold Three-Year Strategy appeared on BitcoinEthereumNews.com. Block, Inc. shares soared almost 9% on Wednesday after revealing plans to achieve $15.8 billion in gross profit by 2028 and announcing a $5 billion share repurchase, underscoring confidence in continued profitability. The three-year outlook, launched at the 2025 Investor Day, marks a strategic shift for the Jack Dorsey-led company. Block is moving beyond its core point-of-sale operation into consumer services, artificial intelligence tools, and Bitcoin infrastructure. Sponsored Comprehensive Financial Targets Reflect Transformation Block mapped out a roadmap targeting mid-teens percentage gross profit growth annually through 2028. The company expects adjusted operating income to rise about 30% per year, reaching $4.6 billion by 2028. Adjusted earnings per share are projected to grow by more than 30% each year, reaching $5.50 in 2028. The event featured a rare appearance by CEO Jack Dorsey. The stock had dropped 30% earlier in 2025 due to competition in payments. However, the trading halt and subsequent announcement quickly reversed that decline. For fiscal year 2026, Block projects gross profit rising 17% to nearly $12 billion. Adjusted operating income and earnings per share are each expected to climb by more than 30%, reaching $2.7 billion and $3.20, respectively. The new non-GAAP cash flow metric, which accounts for capital needs in lending, is forecast to get 25% of gross profit—more than $4 billion—by 2028. Block aims to achieve the “Rule of 40” benchmark in 2026 and sustain it through 2028. This performance measure, combining revenue growth and profit margin over 40%, is a key target for software and fintech firms. Block’s official release emphasized efficiency, scale, and product innovation in its financial networks. The expanded buyback program adds $5 billion to the $1.1 billion remaining from a previous authorization. In total, Block now has about $6.1 billion available for share repurchases, signaling confidence in cash generation. Sponsored…

Author: BitcoinEthereumNews

2025/11/20

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