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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.

15648 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Threshold Upgrades Bridge to Channel $500B in Institutional Bitcoin into DeFi

Threshold Upgrades Bridge to Channel $500B in Institutional Bitcoin into DeFi

Threshold Network has announced a major upgrade to its cross-chain bridge infrastructure, designed to facilitate the flow of up to $500 billion in institutional Bitcoin into decentralized finance (DeFi) ecosystems. This significant development aims to enhance liquidity and accessibility in DeFi markets while providing institutional investors with secure pathways to participate in decentralized financial services.

Author: MEXC NEWS

2025/11/14

Coinbase Calls Bank Push Against Stablecoin Rewards ‘Unamerican’

Coinbase Calls Bank Push Against Stablecoin Rewards ‘Unamerican’

The post Coinbase Calls Bank Push Against Stablecoin Rewards ‘Unamerican’ appeared on BitcoinEthereumNews.com. The exchange believes the proposal oversteps the GENIUS Act and unfairly targets crypto businesses. Banks claim stablecoin perks amount to “indirect interest,” while Coinbase insists the law applies only to stablecoin issuers and warned that banks are trying to control how consumers use their own money.  Despite the pressure, Coinbase’s policy chief Faryar Shirzad says he is still confident that regulators will rely on the law’s plain text rather than expand its scope. Coinbase Clashes With Banks Crypto exchange Coinbase sharply criticized a coalition of US banking groups for urging regulators to ban merchant rewards, cashbacks and discounts tied to stablecoin payments, calling the proposal “unamerican” and an overreach that goes beyond what the law requires. The dispute centers on the GENIUS Act, which bars stablecoin issuers from offering interest or yield to token holders.  Banking lobbyists argue this prohibition should extend indirectly to crypto exchanges and affiliated businesses, as they claim rewards offered by third parties amount to “indirect interest” if those entities have financial ties to the stablecoin issuer. Coinbase’s chief policy officer Faryar Shirzad rejected that interpretation in a post on X, and called on regulators to “stick to the statutory text.” He also warned that bank lobbyists are trying to dictate how Americans use their own money after a stablecoin is issued. He argued that the banking sector’s stance is rooted in fear that stablecoins could disrupt the traditional financial system, where banks rely heavily on customer deposits to support lending.  That concern isn’t unfounded. In fact, a US Treasury estimate from April suggested widespread stablecoin usage could pull more than $6.6 trillion in deposits out of banks. Coinbase also claims stablecoins could meaningfully reduce merchant payment costs, including the more than $180 billion in card fees paid by US retailers in 2024. If third-party rewards…

Author: BitcoinEthereumNews

2025/11/14

Why This Market Correction Is Surprisingly Manageable

Why This Market Correction Is Surprisingly Manageable

The post Why This Market Correction Is Surprisingly Manageable appeared on BitcoinEthereumNews.com. Are you worried about the recent crypto market volatility? According to Dragonfly managing partner Haseeb, the current crypto downturn might be much less concerning than it appears. In a recent social media analysis, he provided compelling historical context that could change your perspective on market conditions. Why This Crypto Downturn Feels Different Haseeb’s assessment comes from deep industry experience. He suggests that many investors have forgotten the true severity of past market collapses. The current crypto downturn, while noticeable, lacks the systemic risks that characterized previous crises. When we examine market fundamentals rather than just price movements, the picture becomes clearer. The underlying technology continues to advance, institutional adoption grows steadily, and regulatory frameworks are becoming more defined. These factors create a much more stable foundation than during previous market stress periods. Remembering the 2022 Market Collapse To understand why the current crypto downturn seems manageable, we need to recall what real market stress looks like. Haseeb vividly described the 2022 sequence of events that created genuine panic: Terra-LUNA ecosystem collapse Three Arrows Capital failure FTX exchange implosion Genesis and BlockFi bankruptcies NFT market valuation crash This period represented what Haseeb called a house of cards scenario. Multiple interconnected failures created domino effects that threatened the entire digital asset ecosystem. Banks faced liquidity crises, stablecoins lost their pegs, and regulatory pressure intensified dramatically. What Makes the Current Situation Different? The current crypto downturn primarily involves price corrections rather than fundamental breakdowns. Unlike 2022, we’re not seeing: Major exchange collapses Systemic stablecoin failures Widespread institutional bankruptcies Regulatory emergency interventions Market infrastructure has matured significantly. Exchange reserves are more transparent, lending practices have improved, and risk management across the industry has evolved. This crypto downturn reflects normal market cycles rather than structural weaknesses. Key Indicators Showing Market Strength Despite the current crypto…

Author: BitcoinEthereumNews

2025/11/14

Threshold’s tBTC Upgrade Could Position $500B in Institutional Bitcoin for DeFi Opportunities

Threshold’s tBTC Upgrade Could Position $500B in Institutional Bitcoin for DeFi Opportunities

The post Threshold’s tBTC Upgrade Could Position $500B in Institutional Bitcoin for DeFi Opportunities appeared on BitcoinEthereumNews.com. COINOTAG recommends • Exchange signup 💹 Trade with pro tools Fast execution, robust charts, clean risk controls. 👉 Open account → COINOTAG recommends • Exchange signup 🚀 Smooth orders, clear control Advanced order types and market depth in one view. 👉 Create account → COINOTAG recommends • Exchange signup 📈 Clarity in volatile markets Plan entries & exits, manage positions with discipline. 👉 Sign up → COINOTAG recommends • Exchange signup ⚡ Speed, depth, reliability Execute confidently when timing matters. 👉 Open account → COINOTAG recommends • Exchange signup 🧭 A focused workflow for traders Alerts, watchlists, and a repeatable process. 👉 Get started → COINOTAG recommends • Exchange signup ✅ Data‑driven decisions Focus on process—not noise. 👉 Sign up → Threshold’s tBTC bridge upgrade enables institutions to mint tBTC directly on supported chains like Ethereum and Arbitrum in a single Bitcoin transaction, eliminating gas fees and secondary approvals. This positions over $500 billion in institutional Bitcoin for seamless DeFi access, backed 1:1 by BTC without custodians. Seamless minting and redemption: Institutions can now convert Bitcoin to tBTC in one transaction across chains without extra fees or approvals. Enhanced security through a 51-of-100 threshold signing model ensures no middlemen or custodian risks. Over $4.2 billion in cumulative volume since launch, competing with centralized options like Wrapped Bitcoin by offering decentralized alternatives with deeper liquidity for DeFi. Discover how Threshold’s tBTC bridge upgrade unlocks DeFi for institutional Bitcoin holders. Mint tBTC gas-free on Ethereum, Arbitrum, and more—boost yields and liquidity today. What is the Threshold tBTC Bridge Upgrade? Threshold tBTC upgrade introduces streamlined features allowing institutions to mint tBTC directly onto chains like Ethereum, Arbitrum, and Base in a single Bitcoin transaction, bypassing gas fees and additional approvals. This innovation, announced by Threshold, simplifies redemptions back to the Bitcoin network as…

Author: BitcoinEthereumNews

2025/11/14

Revolutionary Yield-Bearing Stablecoin Launches On Polygon: Boost Your DeFi Returns

Revolutionary Yield-Bearing Stablecoin Launches On Polygon: Boost Your DeFi Returns

The post Revolutionary Yield-Bearing Stablecoin Launches On Polygon: Boost Your DeFi Returns appeared on BitcoinEthereumNews.com. Are you ready to supercharge your DeFi portfolio? Ant Financial’s RWA protocol has just launched a game-changing yield-bearing stablecoin on Polygon, promising both stability and passive income. This innovative move could redefine how we use stablecoins in decentralized finance. What Is a Yield-Bearing Stablecoin and Why Does It Matter? A yield-bearing stablecoin combines the reliability of a pegged asset with the earning potential of yield generation. Unlike traditional stablecoins that simply hold their value, this new offering from R25, Ant Financial’s real-world asset protocol, automatically generates returns from money market funds and structured notes. Therefore, it maintains its $1 peg while growing your holdings. How Does the rcUSD+ Stablecoin Work on Polygon? The rcUSD+ stablecoin operates by leveraging real-world assets to produce yield. Here’s how it benefits users: Stable Value: It consistently holds a $1 peg, reducing volatility risks. Passive Income: Yield is generated automatically from diversified investments. Ecosystem Integration: It will be supplied across Polygon’s DeFi platforms, enhancing liquidity. Moreover, by building on Polygon, it taps into low transaction fees and high scalability, making it accessible to a broader audience. What Are the Key Benefits of This Yield-Bearing Stablecoin? This yield-bearing stablecoin offers multiple advantages for crypto enthusiasts. First, it provides a safe haven during market fluctuations, as the peg ensures stability. Second, the built-in yield mechanism means your assets work for you without active management. Additionally, integration into Polygon’s DeFi ecosystem allows for seamless use in lending, borrowing, and trading. Are There Any Challenges to Consider? While promising, this yield-bearing stablecoin faces hurdles. Regulatory scrutiny on real-world assets could impact growth. Also, reliance on money market funds introduces traditional financial risks. However, Ant Financial’s backing adds credibility, potentially mitigating these concerns. How Can You Get Started with Yield-Bearing Stablecoins? To leverage this yield-bearing stablecoin, begin by exploring DeFi…

Author: BitcoinEthereumNews

2025/11/14

Dusk and NPEX Tap Chainlink to Bring Regulated European Securities Onchain

Dusk and NPEX Tap Chainlink to Bring Regulated European Securities Onchain

Dusk and NPEX adopt Chainlink’s interoperability and data standards, integrating CCIP, Data Streams and DataLink to bring regulated European securities onchain.

Author: Blockchainreporter

2025/11/14

Seismic secures $10m for blockchain privacy infrastructure

Seismic secures $10m for blockchain privacy infrastructure

The post Seismic secures $10m for blockchain privacy infrastructure appeared on BitcoinEthereumNews.com. Seismic has raised $10 million in a round led by a16z to break the privacy barrier that’s kept fintechs from using public blockchains for sensitive services like private credit and cash accounts. Announced Nov. 12 by founder Lyron Co Ting Keh, the funding—joined by Polychain, dao5, Amber Group, TrueBridge Capital, and LayerZero Labs—brings the startup’s total to $17 million after its March seed round. Summary Seismic raised $10 million in a16z-led funding round, bringing total capital to $17M. The blockchain startup targets privacy barriers that limit fintech adoption of public blockchains. Keh pointed to surging fintech interest in crypto for cross-border payments and lending, but identified the inherent transparency of public ledgers as a critical roadblock for handling sensitive user data. Inside Seismic’s vision for blockchain privacy Seismic is building an encrypted blockchain with privacy embedded at the base protocol — a departure from the wallet-level or app-layer tools that dominate today. Already live in devnet, the network allows smart contracts to process sensitive data without exposing it on a public ledger. Early partners include Brookwell, which offers stablecoin-based cash accounts, and Cred Protocol, which provides private credit scoring. The company expects to begin generating revenue early next year through per-transaction fees, eventually expanding into fiat ramps and card programs. The new round comes just months after a16z first backed the company in June. At the time, the firm argued that the radical transparency of major L1s remains a “critical barrier” for industries like financial services and healthcare. Zero-knowledge proofs can guarantee correctness, they noted, but often “hamper composability,” making applications that require shared private state nearly impossible. Seismic’s architecture, they argued, offers a way around that. The momentum also reflects a broader industry shift: blockchain privacy is moving from niche add-on to prerequisite for mainstream adoption. A16z’s policy leads…

Author: BitcoinEthereumNews

2025/11/14

PBOC sets USD/CNY reference rate at 7.0825 vs. 7.0865 previous

PBOC sets USD/CNY reference rate at 7.0825 vs. 7.0865 previous

The post PBOC sets USD/CNY reference rate at 7.0825 vs. 7.0865 previous appeared on BitcoinEthereumNews.com. The People’s Bank of China (PBOC) set the USD/CNY central rate for the trading session ahead on Friday at 7.0825 compared to the previous day’s fix of 7.0865 and 7.0964 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-70825-vs-70865-previous-202511140115

Author: BitcoinEthereumNews

2025/11/14

Aave founder warns U.K. rules could make GBP stablecoins ‘unattractive’

Aave founder warns U.K. rules could make GBP stablecoins ‘unattractive’

The post Aave founder warns U.K. rules could make GBP stablecoins ‘unattractive’ appeared on BitcoinEthereumNews.com. Key Takeaways Why is the U.K.’s new proposal bad for stablecoins?  Per Kulechov, the reserve model and holding restriction would repel issuers  What’s the status of pound-backed stablecoins? They rank 10th on the stablecoin market, and the proposal would do less to improve their standings.  The Founder of DeFi lending protocol Aave [AAVE], Stani Kulechov, has slammed the recent U.K. proposal to cap stablecoins at £20k and limit yield-bearing reserves to only 60%.  In an X post, Kulechov warned that if the country proceeds with the “misguided” plan, stablecoin issuers would likely give it a pass. He quipped,  “That (60% yielding assets) makes pound-backed stablecoins inefficient, uncompetitive, and unattractive compared with global alternatives.” For Kulechov, however, the plans could dent the pound-based stablecoin growth potential. He added,  “HM Treasury is likely to copy this approach, turning the UK into one of the least appealing places to issue a stablecoin. This is another misguided move by the Bank of England.”  Source: X GBP vs U.S dollar-backed stablecoins For comparison, the U.S. doesn’t limit the amount of reserve assets that are investable in yield-bearing products, such as T-bills. The only key prerequisite is a 1:1 backing for the issued stablecoin.  The business model is lucrative due to the yield. Tether, the USDT issuer, for example, has made $10B in YTD profits because of this viable model. About 77% of USDT reserves are parked in T-bills and cash equivalents.  Now, some players plan to lobby the U.K. government to relax the restrictions, perhaps to mirror the U.S. stance and remain attractive.  That said, the US dollar enjoys a massive moat due to its global reserve standing, as evidenced by its substantial foreign reserves.  The macro moat behind USD dominance According to the IMF, as of 2025, the USD controlled 58% of global foreign…

Author: BitcoinEthereumNews

2025/11/14

A $0.035 Token Is Quickly Becoming the Next Big Crypto, Here’s Why

A $0.035 Token Is Quickly Becoming the Next Big Crypto, Here’s Why

There is a new crypto token which is catching attention among all trading groups and forums, it is priced at only $0.035. Shareholders are citing a quick pace in its pre-sale and a roadmap that appears to be prepared to go live. Most of the bigger coins are entangled in lateral designs, however, this new-found […]

Author: Cryptopolitan

2025/11/14

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