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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.

15453 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
$550M Crypto ETF Exodus: Solana Gains as Bitcoin and Ether Face Massive Outflows

$550M Crypto ETF Exodus: Solana Gains as Bitcoin and Ether Face Massive Outflows

Cryptocurrency exchange-traded funds experienced a dramatic $550 million outflow on Wednesday, with Bitcoin and Ethereum bearing the brunt of institutional selling. However, Solana ETFs bucked the trend with a substantial $48 million inflow, raising questions about whether the blockchain platform is becoming institutions' preferred crypto investment.

Author: MEXC NEWS

2025/10/31

Sui price analysis: Market braces for volatility ahead of $102M SUI token unlock

Sui price analysis: Market braces for volatility ahead of $102M SUI token unlock

Sui price outlook weakens as traders turn cautious before a $103 million token unlock that could test the market’s short-term resilience. Sui price fell 5.7% in the past 24 hours to trade at $2.35, extending a week-long decline of 5.5%.…

Author: Crypto.news

2025/10/31

After Dogecoin (DOGE) in 2021, Here’s Which Crypto Could Turn $200 into $20,000 Next

After Dogecoin (DOGE) in 2021, Here’s Which Crypto Could Turn $200 into $20,000 Next

Back in 2021, Dogecoin (DOGE) shook the market to its foundations by inflating a meme into millions, life-changing gains for early birds as the token grew more than 10,000%. Jump forward to 2025, and the market is once more on the lookout for that next big crypto to deliver those runaway gains. Wall Street is […]

Author: Cryptopolitan

2025/10/31

The Complete 2025 Guide to the XRP Tundra Ecosystem and the XRPL Blockchain

The Complete 2025 Guide to the XRP Tundra Ecosystem and the XRPL Blockchain

The XRP Ledger (XRPL) has entered 2025 with significant confidence as one of the most efficient and popular blockchain systems. Known for its 3–5 second settlement times and transaction fees that are below a fraction of a cent, XRPL continues to serve as a cornerstone of high-speed digital payments. Over the past year, the network’s […]

Author: CryptoPotato

2025/10/31

US Dollar clings to weekly gains as central bank dust settles

US Dollar clings to weekly gains as central bank dust settles

The post US Dollar clings to weekly gains as central bank dust settles appeared on BitcoinEthereumNews.com. Here is what you need to know on Friday, October 31: The US Dollar (USD) stays resilient against its rivals early Friday, following a two-day rally that saw the USD Index climb to its highest level since early August. The European economic calendar will feature the preliminary October inflation data and several Federal Reserve (Fed) policymakers will be delivering speeches in the second half of the day. US Dollar Price This week The table below shows the percentage change of US Dollar (USD) against listed major currencies this week. US Dollar was the strongest against the British Pound. USD EUR GBP JPY CAD AUD NZD CHF USD 0.65% 1.38% 0.86% -0.04% 0.03% 1.03% 0.82% EUR -0.65% 0.75% 0.30% -0.68% -0.54% 0.38% 0.17% GBP -1.38% -0.75% -0.55% -1.42% -1.27% -0.37% -0.61% JPY -0.86% -0.30% 0.55% -1.01% -0.93% 0.02% -0.17% CAD 0.04% 0.68% 1.42% 1.01% 0.01% 1.07% 0.82% AUD -0.03% 0.54% 1.27% 0.93% -0.01% 0.92% 0.67% NZD -1.03% -0.38% 0.37% -0.02% -1.07% -0.92% -0.25% CHF -0.82% -0.17% 0.61% 0.17% -0.82% -0.67% 0.25% The heat map shows percentage changes of major currencies against each other. The base currency is picked from the left column, while the quote currency is picked from the top row. For example, if you pick the US Dollar from the left column and move along the horizontal line to the Japanese Yen, the percentage change displayed in the box will represent USD (base)/JPY (quote). The European Central Bank (ECB) announced on Thursday that it left key rates unchanged following the October policy meeting, as expected. In the policy statement, the ECB reiterated that they not “pre-committing” to a particular rate path. While responding to questions from the press, ECB President Chritsine Lagarde noted that they are in a period of great uncertainty and added that a stronger Euro (EUR)…

Author: BitcoinEthereumNews

2025/10/31

Coinbase (COIN) Stock: Exchange Posts $1.9 Billion Revenue as Base Network Turns Profitable

Coinbase (COIN) Stock: Exchange Posts $1.9 Billion Revenue as Base Network Turns Profitable

TLDR Coinbase reported $1.9 billion in Q3 revenue, up 58% from last year, beating analyst expectations of $1.8 billion Transaction revenue more than doubled to $1.0 billion while adjusted EBITDA reached $801 million Base Layer 2 network achieved profitability for the first time due to increased usage and higher ETH prices Bitcoin holdings grew by [...] The post Coinbase (COIN) Stock: Exchange Posts $1.9 Billion Revenue as Base Network Turns Profitable appeared first on CoinCentral.

Author: Coincentral

2025/10/31

Could This $0.035 Crypto Be the DeFi Token Shaking Solana’s (SOL) Market Dominance? Analysts Say Yes

Could This $0.035 Crypto Be the DeFi Token Shaking Solana’s (SOL) Market Dominance? Analysts Say Yes

The DeFi market is experiencing a seismic shift and everyone is now completely obsessed with Mutuum Finance (MUTM), a new crypto coin that currently has a market price of only $0.035 and which experts opine might just dethrone Solana’s (SOL) dominance in the next cycle. With presale Phase 6 of the project over 80% sold and more than $18.25 million of funds raised, investors are going crazy. MUTM leads the group in that it has a DeFi crypto dual-lending platform so that users may participate in Peer-to-Peer as well as Peer-to-Contract lending, with flexibility and efficiency that usually is not in the market. Analysts have labeled Mutuum Finance the next DeFi crypto giant to redefine decentralized finance through its efforts to solve liquidity inefficiencies normally affecting the industry. In spite of Solana’s constant scalability and centralization issues, MUTM’s steadily growing community along with swift presale adoption put it in the direction of the new giant rebranding the DeFi industry and perhaps the next giant altcoin story of 2025. As a new crypto coin, it’s already trending as a major disruptor in decentralized finance. Solana (SOL) Tests Major Support as Bulls Look for New Breakout Solana (SOL) is testing the major $195 support level after breaking out in recent periods, and this will be crucial in determining if the trend by the bulls is on. To stay above this level is crucial for SOL to reclaim $207 and even attempt new highs as sentiment increases in the market. The bigger picture is upbeat, and strong demand from customers continues to propel the asset into its recovery phase. The experts also think that such a support retest can serve as a springboard for the subsequent leg higher, provided buyers remain committed to maintaining the $195 floor. As Solana prepares for a potential breakout, investors are also discovering their own hidden gems in emerging DeFi crypto projects such as Mutuum Finance (MUTM) that are also exhibiting early-stage growth patterns similar to what Solana did several years ago. This new crypto coin is showing the same kind of energy that typically defines revolutionary blockchain opportunities. Mutuum Finance is Taking the Lead Towards 2025’s Top Crypto Presale Since its launch of multi-phase presale in 2025, Mutuum Finance (MUTM) has seen incredible growth and investor attention. Each presale phase has provided contributors with an open door to the long-term project, providing early adopters with an opportunity to gain gargantuan profits prior to the token’s official market release.Now at Phase 6, the token price of MUTM is $0.035, three times the original Phase 1 price of $0.01, yielding nearly 3x for early investors. Mutuum Finance has raised $18.2 million, enrolled over 17,550 investors, and distributed 80% of available Phase 6 tokens. Phase 7, soon to be released, increases the token price by nearly 20% to $0.04, an undisputed indication of gaining market momentum and sustained interest. Riding this strong momentum, MUTM has become one of the top DeFi crypto projects that have appreciated substantially in the upcoming bull run.Of the entire 4 billion MUTM tokens, 1.76 billion will be kept for presale. So far, more than 760 million tokens have been sold in earlier rounds with strong and sustained buying pressure from investors. This phenomenal acceleration shows broad retail and institutional investor backing, numerous six-figure buys by large investors. Such sustained buying momentum speaks of strong belief in Mutuum Finance’s long-term DeFi crypto vision and places MUTM among the leading crypto investment opportunities for those who care about stability and growth on its own merit irrespective of speculation cycles. Stablecoin and Oracle Integration Set to Overturn DeFi Stability With Mutuum Finance about to launch its V1 protocol, the team is already gearing up for its next major milestone in the form of the release of a USD-pegged stablecoin. Underpinned by verifiable on-chain collateral, the stablecoin will form the foundation of Mutuum’s lending mechanism, which will enhance liquidity and stability within its markets. By linking borrowing and repayment behavior to an underlying asset, the new token will reduce exposure to risk from market volatility and increase the ability to predict interest accrual. The innovation grants customers a genuine edge over traditional variable-rate systems by enabling them to forecast returns more easily. Including strong oracles for live asset pricing will also ensure data integrity and strengthen the overall system resiliency of the Mutuum Finance platform, putting it at the cutting edge of the next generation of decentralized finance. Whereas Solana (SOL) is settling into public blocks, Mutuum Finance (MUTM) is stealing the headlines with innovation, investor frenzy, and real-world applicability. Already oversubscribed with more than $18.25 million and publicly boasting a roadmap to a lending platform secured by a stablecoin, MUTM is not just some presale, it’s the DeFi crypto that’s about to shake the game and set the tone for decentralized finance in 2025. For investors searching for the most promising new crypto coin, this could very well be the defining opportunity. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://mutuum.com/ Linktree: https://linktr.ee/mutuumfinance

Author: Coinstats

2025/10/31

WUUSD trademark filing suggests Western Union’s stablecoin expansion

WUUSD trademark filing suggests Western Union’s stablecoin expansion

TLDR Western Union filed a trademark for WUUSD covering crypto and stablecoin services. WUUSD includes crypto wallets, trading, payment processing, and lending services. Western Union plans to launch a Solana-based stablecoin called USDPT in 2026. The WUUSD filing also lists crypto brokerage and securities exchange services. Western Union’s latest move signals a push into the [...] The post WUUSD trademark filing suggests Western Union’s stablecoin expansion appeared first on CoinCentral.

Author: Coincentral

2025/10/31

Paradigm leads the bet: How will 3Jane unlock the trillion-dollar DeFi unsecured lending market?

Paradigm leads the bet: How will 3Jane unlock the trillion-dollar DeFi unsecured lending market?

Author: JAE The DeFi market has surpassed $150 billion in size, but the overcollateralization model still limits its penetration into broader lending areas. Uncollateralized lending remains one of the directions the DeFi market is actively exploring, but various protocols have failed along the way. Recently, 3Jane, a rising star in unsecured lending, announced that it expects to launch its mainnet in early November. As an unsecured lending protocol backed by leading crypto VC Paradigm, 3Jane represents another significant step for Paradigm in the lending sector, attracting widespread market attention. The DeFi collateralized lending model may be reaching a turning point. 3Jane positions itself as a "credit-based peer-to-peer pooled money market," aiming to provide algorithm-driven, real-time uncollateralized USDC credit lines to those unable to meet overcollateralization requirements. 3Jane has a clear customer profile, explicitly encompassing not only ordinary crypto investors but also liquidity miners, traders, arbitrageurs, enterprises, and AI agents. This target customer group indicates that 3Jane has positioned itself from the outset in a high-turnover, high-capital-efficiency institutional-grade credit market. The essence of unsecured lending is that lenders must bear the credit risk of borrowers. In traditional finance, such businesses typically require borrowers to undergo rigorous KYC (Know Your Customer)/AML (Anti-Money Laundering)/CDD (Due Diligence) and credit assessments. However, the permissionless and anonymous nature championed by DeFi contradicts KYC/AML requirements. Therefore, if DeFi unsecured lending is to achieve large-scale commercialization, especially in acquiring institutional funding at the $50 million level, it must balance the contradiction between the spirit of decentralization and regulatory compliance requirements. In its early stages, lenders can mint USD3 on 3Jane by depositing USDC, or by staking USDC/USD3 into the protocol to mint sUSD3, earning up to 27% APY. To date, over $7 million in credit lines on 3Jane are backed by approximately $83.1 million in verified assets. For borrowers, 3Jane limits its scope to U.S. residents with total assets exceeding $150,000, with an initial lending limit of approximately $50 million. This restriction is primarily due to the need for asset verification to determine credit limits and to screen qualified borrowers to mitigate risk. The requirement for borrowers to be U.S. residents also facilitates future debt collection. The protocol's access mechanism directly addresses the SEC's (Securities and Exchange Commission) regulatory requirements for "accredited investors." While the definition of an accredited investor typically requires net assets exceeding $1 million, 3Jane's entry threshold and its nationality requirements demonstrate the protocol's emphasis on compliance. From the outset, the product design limits users to a specific group that meets KYC and asset thresholds, thereby minimizing regulatory risks. For 3Jane, the prerequisite for its closed-loop business model is no longer just how accurate its technical risk control model is, but more importantly, whether it can meet the stringent regulatory requirements of institutional investors. This means that 3Jane needs to prove that it is a protocol with a verifiable compliance layer in order to attract its target audience to the DeFi market. 3Jane builds a user credit graph to create a "privacy compliance stack". Jacob Chudnovsky, founder of 3Jane, admitted that previous uncollateralized lending protocols in the crypto market had all failed due to a lack of sound credit underwriting mechanisms and legal recourse, and because a large number of transactions occurred off-chain. To address the challenges of risk control and compliance in uncollateralized lending, the protocol created a new technological architecture by combining the 3Jane Credit Risk Algorithm (3CA) with the zkTLS protocol. 3CA is used to capture user interaction data across DeFi, CEXs (centralized exchanges), and traditional banks, using it as part of credit assessment. 3CA underwrites credit limits based on a user's Jane Score and asset type. The Jane Score is a user's credit score on the 3Jane protocol, composed of both on-chain and off-chain creditworthiness. The on-chain Jane Score is fed by Cred Score and Blockchain Bureau Score, both protocols that have established credit assessment frameworks based on user on-chain behavior; the off-chain score integrates VantageScore 3.0 from TransUnion and Equifax (two of the three major US credit agencies) as data sources. Furthermore, the Jane Score includes default penalty mechanisms, deterring bad actors by restricting access and increasing interest rates. In short, Jane Score will comprehensively assess users' credit risk from both on-chain and off-chain perspectives. If a user attempts to borrow from the protocol by artificially inflating their asset value through external borrowing or transfers, this behavior will be collected and scored by Jane Score. For new users with limited past on-chain or off-chain borrowing activity, their initial credit score will not be high, and the credit limit issued by the protocol will be controlled within a manageable range to prevent serious bad debts due to lending large amounts of assets. In addition, 3Jane places great emphasis on compliance, and after the agreement is finalized, the credit data of defaulting users may be fed back to off-chain credit institutions to constrain user behavior. 3CA's cross-domain data inputs have helped the protocol build a "credit graph" that transcends a single on-chain dimension. Through Jane Score, 3Jane has also shifted the credit risk assessment of lending behavior from reliance on over-collateralization (asset value) to an uncollateralized (user credit) model, which is the foundation supporting the protocol in issuing credit to complex entities such as enterprises and AI agents. 3CA's assessment of user credit relies on obtaining user behavior data across Web2 and Web3, which contradicts the need to protect user privacy. 3Jane then introduced the zkTLS (Zero-Knowledge TLS) protocol to overcome this "privacy compliance paradox." zkTLS acts as a cryptographic bridge built using zero-knowledge proof technology. It allows borrowers to connect to financial data in the Web2 world, such as bank accounts or CEX accounts connected via Plaid, and to privately generate proofs to verify a user's repayment ability or asset ownership, without disclosing sensitive data to 3Jane or any third party. zkTLS's value proposition lies in providing compliance verification in the form of "zero-knowledge proofs." For regulated financial institutions, the core requirements of KYC/AML include customer identification, identity verification, and due diligence on the authenticity of transactions. zkTLS can complete these due diligence steps while ensuring user privacy, thus fulfilling its regulatory responsibilities. This technological innovation has significantly enhanced 3Jane's attractiveness to compliant institutional funding. Paradigm bets on "compliant" DeFi On June 4th, 3Jane secured $5.2 million in seed funding led by top venture capital firm Paradigm. This investment not only provides financial support but also strongly endorses Paradigm's commitment to building a "scalable, compliant, crypto-native credit infrastructure." In reality, Paradigm's investment in 3Jane is a bet on a DeFi blueprint that aligns with regulatory trends and possesses institutional-grade access capabilities. The success of 3Jane's institutionalization strategy heavily depends on Paradigm's frequent communication with the SEC to ensure regulatory support. Paradigm's regulatory lobbying efforts aim to address key compliance hurdles currently facing the crypto market, particularly in the integration of traditional finance and DeFi. Their lobbying work is also a crucial strategic asset for 3Jane in attracting institutional funding from a compliance standpoint. Custody is one of the biggest bottlenecks for institutional funds entering DeFi. SAB 121 (SEC Employee Accounting Announcement No. 121) requires financial institutions to list custodied client crypto assets as liabilities on their balance sheets. This requirement forces custodians to incur unnecessary expenses, deterring traditional financial institutions such as banks and trust companies and significantly limiting the number of qualified custodians. Paradigm believes that SAB 121 is essentially stifling industry growth and therefore has requested the SEC to rescind SAB 121. Following industry lobbying, SAB 121 was revoked by the SEC in January 2025, significantly lowering the custodian threshold for institutions. For 3Jane, the revocation of SAB 121 serves as a "liquidity gateway" paved by Paradigm. Enterprises are one of 3Jane's target customer groups, and these institutional users require qualified custodian services. Now that SAB 121 is revoked, institutions can compliantly deposit larger sums of money into the protocol to meet a $50 million credit requirement, ensuring 3Jane has a stable and compliant source of funding. Paradigm's regulatory lobbying efforts have created more reliable conditions for institutional entry into 3Jane, making 3Jane's technological compliance advantages more commercially viable. Against the backdrop of traditional financial institutions seeking to simultaneously meet KYC/AML and on-chain efficiency requirements, 3Jane may offer a feasible and institutionally friendly compliant DeFi model. The strategic collaboration between 3Jane and Paradigm also indicates that DeFi is shifting from serving crypto-native users to the broader traditional credit market, especially the trillion-dollar corporate and trade credit sectors. Once the most challenging credit assessment and compliance issues in uncollateralized lending are effectively resolved by 3CA and zkTLS, DeFi may be able to support the entire product line of traditional finance, freeing itself from the constraints of over-collateralization. At that time, DeFi will not only retain the high efficiency of decentralization, but will also achieve the accountability required by regulations. The mainnet launch in early November will test whether 3Jane can leverage the massive credit liquidity of traditional finance amidst the wave of compliance. However, investors should still pay close attention to 3Jane's credit risk. While the current probability of default is low, expanding its target customer base to businesses and AI agents could amplify the risk should an economic recession occur. If mismanaged, unsecured lending could repeat the mistakes of traditional finance; therefore, investors also need to monitor the effectiveness of recourse mechanisms, such as collection and legal auctions.

Author: PANews

2025/10/31

3 Reasons Why Shiba Inu (SHIB) Could Be Outperformed By New DeFi Crypto

3 Reasons Why Shiba Inu (SHIB) Could Be Outperformed By New DeFi Crypto

The crypto market often rewards projects that combine strong fundamentals with perfect timing. Shiba Inu (SHIB) was one of those early stories — a token that skyrocketed on community strength and meme culture.

Author: Cryptodaily

2025/10/31

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