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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.

15536 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Expert Warns of $93M xUSD Collapse Tied to Morpho and Euler Lending Exposure

Expert Warns of $93M xUSD Collapse Tied to Morpho and Euler Lending Exposure

The post Expert Warns of $93M xUSD Collapse Tied to Morpho and Euler Lending Exposure appeared on BitcoinEthereumNews.com. TLDR: Top expert warns of $93M xUSD collapse tied to Morpho and Euler lending exposure. Depeg triggered by collateral drain and mass liquidations in Stream Defi’s xUSD pools. Morpho and Euler confirm exposure monitoring as users face liquidity losses. Analysts urge stronger collateral rules and transparency in DeFi stablecoin design. A DeFi expert has sounded the alarm after the xUSD stablecoin crashed, leading to a reported $93 million loss across lending protocols. The collapse affected users with exposure to Morpho Labs and Euler Finance, two platforms integrated into Stream Defi’s xUSD ecosystem. Lending Pools Face Shock as xUSD Stablecoin Implodes According to market expert @DU09BTC, the depeg occurred after xUSD’s underlying collateral fell sharply, triggering a cascade of redemptions and liquidations. As users rushed to exit, liquidity evaporated, pushing the token’s value far below its intended $1 peg. Consequently, lenders in Morpho and Euler who held xUSD-backed positions saw collateral vanish within hours. The expert warned that the event underscores risks in DeFi architectures where assets are cross-collateralized or dependent on thin liquidity pools. Besides the financial hit, the episode revived discussions around on-chain risk management and stablecoin transparency. Market participants are now urging platforms to strengthen safeguards against cascading liquidations. Get your money out of @MorphoLabs and @eulerfinance! Here's why. They take your USDC and give it out to insolvent protocols that leverage loop scam stables like xUSD by Stream Defi which just lost $93M of user money. The incentives are totally misaligned. Curators on Morpho… pic.twitter.com/38fH6Nkczt — Duo Nine YCC (@DU09BTC) November 4, 2025 Morpho and Euler Respond Amid Ongoing Liquidity Drain In a post-event update, Morpho Labs confirmed that it is monitoring affected markets and assessing exposure linked to Stream Defi’s xUSD. While Morpho itself did not issue the stablecoin, it acknowledged that certain lending markets used…

Author: BitcoinEthereumNews

2025/11/05

Coinbase Pursues US Bank Charter Amid Regulatory Opposition and Industry Scrutiny

Coinbase Pursues US Bank Charter Amid Regulatory Opposition and Industry Scrutiny

The post Coinbase Pursues US Bank Charter Amid Regulatory Opposition and Industry Scrutiny 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 → Coinbase’s application for a US national trust bank charter aims to integrate cryptocurrency services with traditional finance, despite opposition from community bankers concerned about risks in crypto custody and market volatility. This move, filed in October, could take 12-18 months for approval by the Office of the Comptroller of the Currency, signaling broader crypto industry efforts for regulatory legitimacy. Coinbase faces pushback from the Independent Community Bankers of America over untested crypto custody methods and profitability during downturns. The application seeks to bridge digital assets and mainstream banking, enhancing crypto adoption. Other firms like Ripple and Circle are pursuing similar licenses, with the OCC reviewing applications amid stablecoin regulations; decisions could shape US crypto oversight. Coinbase national trust bank charter application sparks debate on crypto integration with traditional finance. Learn how this could impact digital assets and what it means for investors seeking regulatory clarity. Stay informed on the latest developments. What is Coinbase’s National Trust Bank Charter Application? Coinbase’s national trust bank charter application is a formal request to the Office of the Comptroller of the Currency to…

Author: BitcoinEthereumNews

2025/11/05

Expert Suggests Crypto Treasuries May Contribute to Bitcoin Price Drop

Expert Suggests Crypto Treasuries May Contribute to Bitcoin Price Drop

The post Expert Suggests Crypto Treasuries May Contribute to Bitcoin Price Drop 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 → Crypto treasury companies have significantly contributed to Bitcoin’s recent price drop by enabling mass extraction of value from the market, according to blockchain expert Omid Malekan. These firms raised substantial funds but often prioritized quick exits over sustainable growth, exacerbating market declines amid macroeconomic pressures. Crypto treasury companies, or DATs, have accumulated over one million Bitcoin tokens worth more than $101 billion, per Bitwise data. Experts argue these entities created exit events for locked tokens, draining liquidity from the crypto market. Bitcoin’s price has fluctuated between $99,607 and $113,560 in the past week, down from a high of over $126,000 on October 6, influenced by trade tensions and these corporate strategies. Discover how crypto treasury companies are impacting Bitcoin prices in 2025. Learn expert insights on market declines and sustainable strategies. Stay informed on crypto trends today. How Do Crypto Treasury Companies Impact Bitcoin Prices? Crypto treasury companies have played a notable role in Bitcoin’s price fluctuations by accumulating large holdings through leveraged financing, which can lead to forced sales during downturns. According to Omid Malekan, adjunct professor at…

Author: BitcoinEthereumNews

2025/11/05

Crypto Treasury Firms at Play in Market Dip, Expert Warns

Crypto Treasury Firms at Play in Market Dip, Expert Warns

Certainly! Here’s the rewritten article with an added introduction, optimized SEO, and improved readability, while maintaining the original HTML structure: Recent declines in the cryptocurrency market have prompted new discussions around the factors influencing Bitcoin and altcoin prices. Notably, the role of crypto treasury companies—institutions that acquire and hold large crypto holdings—has come into focus [...]

Author: Crypto Breaking News

2025/11/05

Bitcoin ETF vs. Ethereum ETF: What’s the Difference?

Bitcoin ETF vs. Ethereum ETF: What’s the Difference?

The post Bitcoin ETF vs. Ethereum ETF: What’s the Difference? appeared on BitcoinEthereumNews.com. Bitcoin ETF and Ethereum ETF are financial products that allow investors to gain exposure to BTC and ETH, respectively, without needing to hold cryptocurrencies themselves. The debut of U.S. spot price ETFs was a big deal for the cryptocurrency market at large, so much so that it incited a major bull run in 2024.  Looking back today, the bets on crypto ETFs were right. BTC and ETH ETFs have become a big part of the crypto market, controlling over $175 billion in assets in just one year.  In this article, we will explain in detail why crypto ETFs are such a big deal and the difference between Bitcoin and Ethereum ETFs, among other things.  Why Bitcoin and Ethereum ETFs Are in the Spotlight The approval of Bitcoin and Ethereum ETFs was met with intense euphoria among crypto investors because it was believed they would essentially bridge crypto to Wall Street and bring about institutional and regulatory acceptance.  How ETFs Bridge Traditional Finance and Crypto First of all, an ETF or exchange-traded fund is not unique to the cryptocurrency space. It started from traditional finance and has been used for decades to invest in mutual funds and a basket of different assets. Now, one of the roadblocks that decelerated the adoption of crypto by traditional investors is the complexity in managing cryptocurrencies. Not many investors know how or want to deal with the friction and risks of buying and storing BTC and other crypto assets.  The listing of crypto ETFs basically waived off these concerns, bringing down crypto to an instrument that most TradFi investors are already familiar with.  2024–2025 ETF Boom — Spot Approvals and Market Impact The success of spot Bitcoin and Ethereum ETFs saw a rush in the applications for other crypto assets, including SOL, XRP, DOGE, and…

Author: BitcoinEthereumNews

2025/11/05

Olas Launches Pearl v1, the First ‘AI Agent App Store’

Olas Launches Pearl v1, the First ‘AI Agent App Store’

The post Olas Launches Pearl v1, the First ‘AI Agent App Store’ appeared on BitcoinEthereumNews.com. Olas has launched Pearl v1, a decentralized “AI agent app store” that lets users own and operate autonomous AI agents, blending the ease of Web2 with the self-sovereignty of Web3, the company said in a press release Tuesday. Unlike centralized AI platforms that rent access to users, Pearl gives full control and transparency: every agent action is verifiable on-chain. Users can start with familiar logins like Google or Apple, fund agents via card, and retain full data custody. Built on principles of ownership, curation, and transparency, Pearl offers a growing library of agents for finance, creative, and social use cases. The launch follows a beta success story where Modius, a decentralized finance (DeFi) trading agent, earned over 150% return on investment (ROI) in 150 days. “Centralized infrastructure has achieved global reach and performance, yet this concentration means decisions or faults can strip users of their data and work completely. This is why ownership is so important” said David Minarsch, founding member of Olas in the release. “At Olas, we’re building towards a future where your AI agents work for you, not for centralized platforms harvesting your data,” he added. Olas sees Pearl as a shift from today’s AI consumption model to one of AI ownership, where users, not corporations, control the agents acting on their behalf. Read more: Blockchain Will Drive the Agent-to-Agent AI Marketplace Boom Source: https://www.coindesk.com/tech/2025/11/04/olas-launches-pearl-v1-the-first-ai-agent-app-store

Author: BitcoinEthereumNews

2025/11/05

Crypto News Today: DeFi Investigators Uncover $284M Risk Exposure in Stream Finance

Crypto News Today: DeFi Investigators Uncover $284M Risk Exposure in Stream Finance

DeFi analysts trace $284M in loan and stablecoin exposure linked to Stream Finance after $93M loss halts platform operations.   Stream Finance is under fresh scrutiny after researchers mapped over $284 million in loans and stablecoin exposure connected to the protocol. The report follows the project’s $93 million loss, which led to a freeze in […] The post Crypto News Today: DeFi Investigators Uncover $284M Risk Exposure in Stream Finance appeared first on Live Bitcoin News.

Author: LiveBitcoinNews

2025/11/05

The Monetary Authority of Singapore (MAS) has warned that the technology sector is overvalued and could trigger a sharp correction in global markets.

The Monetary Authority of Singapore (MAS) has warned that the technology sector is overvalued and could trigger a sharp correction in global markets.

PANews reported on November 5th that the Monetary Authority of Singapore (MAS) warned that high valuations in the technology sector pose a potential risk. In its annual Financial Stability Assessment report released Wednesday, the MAS stated, "Valuations in some equity markets are relatively high, particularly in the technology and artificial intelligence sectors… If market optimism regarding sufficient future returns from artificial intelligence declines, it could trigger a broader market correction and lead to more defaults in the private lending market." The MAS pointed out that much of the stock market's gains have been driven by AI-related investments, significantly increasing many investors' exposure to the information technology sector. Some large technology companies are using new, and potentially even revolving, private financing structures to support expansion, putting greater revenue pressure on some AI companies. The continued divergence between stock market valuations and downside risks to economic growth means that a shock could lead to disorderly market adjustments.

Author: PANews

2025/11/05

MARA Turns Record Profit as Bitcoin Mining Evolves Into Energy Powerhouse

MARA Turns Record Profit as Bitcoin Mining Evolves Into Energy Powerhouse

The post MARA Turns Record Profit as Bitcoin Mining Evolves Into Energy Powerhouse appeared on BitcoinEthereumNews.com. Bitcoin The Nasdaq-listed miner is reinventing itself as both a digital infrastructure and energy powerhouse after a blockbuster quarter that showcased the power of vertical integration. Key Takeaways:Quarterly profit surged to $123 million, a dramatic rebound from last year’s losses. Revenue rose 92% amid stronger Bitcoin prices and higher mining output. MARA now holds over 53,000 BTC, making it one of the largest corporate holders globally. A new 1.5 GW energy partnership in Texas marks its move toward self-sustaining power. Bitcoin Boom Reverses MARA’s Fortunes After a turbulent 2024, MARA Holdings Inc. has returned to form. The company posted its highest-ever quarterly profit, driven by efficient mining operations, an expanding energy strategy, and the rebound in Bitcoin prices. What was a $125 million loss a year ago has turned into a $123 million profit, showcasing one of the sharpest turnarounds in the mining sector this year. Revenue climbed to $252 million, powered by a 64% jump in hashrate and lower operating costs. MARA’s efficiency drive has paid off — not only in profitability but in its positioning as a more sustainable miner capable of weathering price swings. The company mined 2,144 BTC in the third quarter, taking its total Bitcoin reserves to 53,250 coins, currently valued near $5.6 billion. That vaults MARA ahead of most public competitors and cements its status as a core institutional holder of Bitcoin, second only to Strategy Inc. A Shift Toward Energy Independence Beyond record earnings, MARA is reshaping its business model around energy ownership and infrastructure control. The firm announced a partnership with MPLX LP, an affiliate of Marathon Petroleum, to build 1.5 gigawatts of natural gas-powered energy and data center capacity in West Texas. This expansion will enable MARA to operate more efficiently while diversifying its capabilities into AI-driven data processing. With miners…

Author: BitcoinEthereumNews

2025/11/05

Matador Technologies Amends $100M Facility to Advance Bitcoin Accumulation Goals

Matador Technologies Amends $100M Facility to Advance Bitcoin Accumulation Goals

The post Matador Technologies Amends $100M Facility to Advance Bitcoin Accumulation Goals 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 → Matador Technologies Inc. has amended its $100 million secured convertible note facility with ATW Partners to fund Bitcoin acquisitions. The deal provides up to $100 million for purchasing BTC, targeting 1,000 BTC by 2026 and 6,000 by 2027, secured by Bitcoin collateral with 8% interest. Amended $100 million facility enables flexible Bitcoin purchases for corporate treasury. Initial $10.5 million tranche with potential for $89.5 million more, post-regulatory approvals. Company aims for 1% of Bitcoin’s total supply by 2027, aligning with institutional strategies. Discover how Matador Technologies’ $100 million convertible notes boost Bitcoin holdings. Explore terms, targets, and executive insights in this amended ATW Partners deal—strengthen your crypto portfolio knowledge today. What is Matador Technologies’ amended convertible note facility? Matador Technologies’ amended convertible note facility is a $100 million agreement with ATW Partners, updated on November 3, 2025, from the original July 2025 terms. It allows the company, dubbed the Bitcoin Ecosystem Company, to issue secured convertible notes specifically for acquiring Bitcoin to bolster its balance sheet. This structure provides capital flexibility while minimizing immediate dilution. COINOTAG recommends • Professional…

Author: BitcoinEthereumNews

2025/11/05

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