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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.

15310 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Who holds your keys during custody consolidation?

Who holds your keys during custody consolidation?

The post Who holds your keys during custody consolidation? appeared on BitcoinEthereumNews.com. Nevada regulators shut down Fortress Trust on Oct. 22, citing insolvency that left the custodian holding roughly $200,000 in cash against $8 million owed in fiat and $4 million in crypto. The cease-and-desist order marked the second major Nevada trust-company collapse in two years, following Prime Trust’s entry into receivership in June 2023. Both firms shared the same founder. The pattern forces exchanges, fintechs, and investors to confront where customer assets actually sit and which regulatory frameworks prevent failures from wiping out user funds. Nevada’s Financial Institutions Division described Fortress’s condition as “unsafe and unsound,” barred deposits and asset transfers. It noted that the custodian could not produce financials for July through September or basic reconciliations. Fortress, which rebranded as Elemental Financial Technologies after a 2023 vendor breach costing $12 million to $15 million, served more than 250,000 clients. Ripple withdrew its acquisition bid days after the breach was disclosed. The failures occurred under Nevada’s retail trust-company charter, which requires statutory segregation but has led to enforcement actions spotlighting governance breakdowns and gaps in exam frequency. Four custody charters and their segregation rules US institutions custody digital assets under four frameworks: Nevada retail trusts, New York limited-purpose trusts and BitLicense custodians, OCC national trust banks, and Wyoming SPDIs. Nevada’s NRS Chapter 669 mandates trust-fund segregation and permits omnibus titling if records identify each beneficial owner, but exam frequency, set as “often as necessary,” has varied in practice. New York’s 2023 DFS custody guidance requires treating customer assets as customer property, prohibits custodians from using customer assets for anything beyond safekeeping, and requires audit trails that reconcile omnibus wallets to individual accounts. Sub-custody needs prior DFS approval. BitLicense holders face intensive risk-based exams funded by DFS assessments, creating frequent touchpoints and capital requirements that smaller firms cannot meet. The OCC confirmed…

Author: BitcoinEthereumNews

2025/10/27

Billionaire Kwek Leng Beng’s CDL Sells 84% Of Residential Towers Amid Singapore Property Boom

Billionaire Kwek Leng Beng’s CDL Sells 84% Of Residential Towers Amid Singapore Property Boom

The post Billionaire Kwek Leng Beng’s CDL Sells 84% Of Residential Towers Amid Singapore Property Boom appeared on BitcoinEthereumNews.com. Buyers looking at the Zyon Grand sales gallery over the weekend launch. Courtesy of City Developments City Developments Ltd. (CDL)—controlled by billionaire Kwek Leng Beng and his family—has sold 84% of an upscale residential skyscraper near the Singapore central business district over the weekend, adding to signs the property boom in the city-state is continuing. The Singapore-listed property developer sold 590 units of the 706-unit Zyon Grand twin 62-story residential towers at an average selling price of S$3,050 ($2,351) per square foot, CDL said in a statement over the weekend. The company is jointly developing the project with Japan’s Mitsui Fudosan along Zion Road, near the Orchard Road shopping district. “As one of the largest projects launched this year, the positive take-up reflects the market’s confidence in this landmark integrated development and the genuine demand for distinctive homes in a sought-after neighbourhood,” Sherman Kwek, group CEO of City Developments, said in the statement. Zyon Grand is part of an integrated development that features restaurants, a supermarket, and early childhood care center and a 36-story tower that houses Singapore’s first long-stay serviced apartment complex. The project is one of several prime residential condominium projects that have seen brisk sales in recent weeks. Earlier this month, Billionaire Quek Leng Chan’s GuocoLand sold 86% of the 399-unit Faber Residence in the western Singapore town of Clementi, while UOL Group—controlled by the family of late banking tycoon Wee Cho Yaw—and partner CapitaLand Development have sold nearly all the units at the 666-unit Skye at Holland—an upscale condominium project in the expatriate enclave of Holland Village. Singapore home prices rose for the fourth consecutive quarter in the three months ended September as declining domestic lending rates and an influx of wealthy foreign residents bolstered demand. Prices of private residential properties climbed 0.9% in the third…

Author: BitcoinEthereumNews

2025/10/27

JPMorgan Chase plans to accept Bitcoin as loan collateral. What's the underlying reason?

JPMorgan Chase plans to accept Bitcoin as loan collateral. What's the underlying reason?

After years of tension between cryptocurrencies and traditional finance, a symbolic shift is taking place inside the world’s largest bank. JPMorgan Chase & Co. is reportedly preparing to allow institutional clients to use Bitcoin and Ethereum as collateral for cash loans. This means that the bank's borrowers can pledge the two largest cryptocurrencies by market capitalization, and the relevant assets will be held by approved third-party custodians such as Coinbase. The program is expected to be launched by the end of 2025. The move is ironic given that the financial giant's CEO, Jamie Dimon, is a well-known cryptocurrency critic who has previously described Bitcoin as a "scam." But growing demand in the nascent cryptocurrency industry forced him to back the company's product launches. A new chapter in digital collateral JPMorgan's move could quietly rewrite the boundaries between digital assets and regulated credit markets. According to Galaxy Research data, as of June 30, the total amount of outstanding loans in centralized finance reached US$17.78 billion, a month-on-month increase of 15% and a year-on-year increase of 147%. If decentralized loans are included, the total balance of cryptocurrency-collateralized credit reached US$53.09 billion in the second quarter of 2025, setting the third highest record in history. These data reflect a structural shift: as digital asset prices rise, lending activity increases in tandem. The trend has narrowed credit spreads, making loans more attractive to traders and corporate treasuries. In addition, businesses have also begun to use cryptocurrency-collateralized lending to finance operations, replacing equity issuance with debt secured by digital assets. In this context, JPMorgan Chase’s entry is less an experiment than a decisive move by the institution to “catch up with its peers” in the emerging industry. In response, cryptocurrency researcher Shanaka Anslem Perera estimates that the model could unlock $10 billion to $20 billion in instant lending capacity for hedge funds, corporate treasuries, and large asset managers. These institutions want to access U.S. dollar liquidity without having to sell their cryptocurrency tokens. In practical terms, this means that companies can now raise funds using digital assets, using the same process as borrowing against U.S. Treasuries or blue-chip stocks. The significance of JPMorgan's move While cryptocurrency-collateralized lending is already common among decentralized finance (DeFi) protocols and small centralized finance lenders, JPMorgan’s involvement institutionalizes the model. The bank’s entry signals that digital assets are mature enough to meet the global financial industry’s standards for compliance, custody and risk management. Matt Sheffield, CIO of SharpLink, an Ethereum-focused finance firm, believes the development could reshape how asset managers and funds manage their balance sheets. “Until now, many traditional financial institutions that rely on bank transactions have had to choose between holding Ethereum spot and other positions,” he said. "The world's largest investment bank is working to change that. By borrowing against positions held by third-party custodians, institutions can build more profitable portfolios and increase the value of their collateral." At the same time, this decision also strengthens JPMorgan's overall layout in the cryptocurrency field. Over the past two years, the bank has built Onyx, a blockchain-based settlement network, processed billions of dollars in tokenized payments, and explored digital asset repo transactions. Accepting Bitcoin and Ethereum as loan collateral completes the closed loop of "issuance-settlement-credit", and all three links rely on blockchain infrastructure. Based on this, Sheffield predicts that this move will trigger a "competitive chain reaction" among large banks. He pointed out: “This will set off a wave. For large institutions, the deterrent of ‘being the first to act’ is huge. Once the risks are reduced, other banks will follow suit, and if they don’t act, they will lose their competitiveness.” Currently, competitors such as Citigroup and Goldman Sachs have expanded their digital asset custody and repurchase businesses; BlackRock has incorporated tokenized Treasury bonds (BUIDL) into its fund ecosystem; and Fidelity has doubled the number of employees in its institutional cryptocurrency department this year. Opportunities and challenges coexist Despite growing acceptance of digital assets on Wall Street, challenges remain. Banks involved in this market must deal with the inherent volatility of cryptocurrencies, uncertainty about regulatory capital treatment, and ongoing counterparty risk, all of which have limited their efforts to expand their cryptocurrency-backed lending businesses. US regulators have yet to issue clear capital weighting guidelines for digital collateral, forcing institutions to rely on conservative internal models. Even if custody risk is managed by a third-party custodian, regulatory oversight is expected to remain strict. Nonetheless, the trajectory of the industry is unmistakable, with digital assets becoming increasingly integrated into the fabric of global credit markets. Bitcoin analyst Joe Consoerti said the moves suggest that “the global financial system is slowly reallocating collateral around the highest-quality assets known to mankind.”

Author: PANews

2025/10/27

Iran Bank Collapse Underscores Bitcoin’s Role in Fragile Financial Systems

Iran Bank Collapse Underscores Bitcoin’s Role in Fragile Financial Systems

The post Iran Bank Collapse Underscores Bitcoin’s Role in Fragile Financial Systems 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 → Iran’s Ayandeh Bank has declared bankruptcy after accruing $5.1 billion in losses and $3 billion in debt, leading to its dissolution and the transfer of over 42 million customer accounts to state-owned Bank Melli. This event underscores ongoing vulnerabilities in Iran’s banking sector amid sanctions, potentially boosting interest in decentralized alternatives like Bitcoin. Ayandeh Bank bankruptcy highlights risks in fractional reserve banking systems. Over 42 million customers’ assets are now managed by Bank Melli Iran following the closure of 270 branches. The incident echoes global banking crises that have historically driven Bitcoin adoption, with Iran’s sanctions exacerbating local financial instability. Iran’s Ayandeh Bank bankruptcy shakes the financial landscape, absorbing $8 billion in losses into Bank Melli. Explore crypto’s role as a hedge against such banking failures. Stay informed on global finance trends today. What is the Impact of Ayandeh Bank Bankruptcy on Iran’s Economy? Ayandeh Bank bankruptcy represents a significant collapse in Iran’s private banking sector, where the institution accumulated approximately $5.1 billion in losses and nearly $3 billion in debt before its dissolution. This failure, declared on Thursday,…

Author: BitcoinEthereumNews

2025/10/27

PBOC sets USD/CNY reference rate at 7.0881 vs. 7.0928 previous

PBOC sets USD/CNY reference rate at 7.0881 vs. 7.0928 previous

The post PBOC sets USD/CNY reference rate at 7.0881 vs. 7.0928 previous appeared on BitcoinEthereumNews.com. On Monday, the People’s Bank of China (PBOC) set the USD/CNY central rate for the trading session ahead at 7.0881 compared to Friday’s fix of 7.0928 and 7.1146 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-70881-vs-70928-previous-202510270116

Author: BitcoinEthereumNews

2025/10/27

Yuga Labs Set to Launch Otherside Metaverse Next Month for Bored Ape Yacht Club

Yuga Labs Set to Launch Otherside Metaverse Next Month for Bored Ape Yacht Club

The post Yuga Labs Set to Launch Otherside Metaverse Next Month for Bored Ape Yacht Club 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 → Yuga Labs is launching its Otherside metaverse on November 12, 2025, reviving the Bored Ape Yacht Club brand with blockchain-integrated gaming and social features. This project, delayed since its 2022 funding round, offers low-barrier entry for users via email or crypto wallets, competing with platforms like Fortnite and Roblox. Launch Date Confirmation: Otherside metaverse debuts November 12, 2025, after over two years of development. Blockchain Integration: Users can own and trade NFTs as avatars and assets, unlike traditional games. Creator Tools: The Otherside Development Kit enables developers to build and monetize experiences in Unreal Engine, attracting talent from Web2 platforms. Discover Yuga Labs’ Otherside metaverse launch on November 12, 2025, blending NFT ownership with immersive gaming. Explore blockchain features and creator opportunities in this BAYC revival—join the future of Web3 entertainment today! What is the Otherside Metaverse by Yuga Labs? The Otherside metaverse by Yuga Labs represents a blockchain-powered virtual world tied to the Bored Ape Yacht Club ecosystem, emphasizing user ownership and creative freedom. Launched after raising $450 million in 2022, it combines social interactions, gaming, and NFT…

Author: BitcoinEthereumNews

2025/10/27

Ethereum Price Prediction: ETH May Rally Past $5000, But This $0.035 DeFi Crypto Will Explode Higher This Cycle

Ethereum Price Prediction: ETH May Rally Past $5000, But This $0.035 DeFi Crypto Will Explode Higher This Cycle

The post Ethereum Price Prediction: ETH May Rally Past $5000, But This $0.035 DeFi Crypto Will Explode Higher This Cycle appeared on BitcoinEthereumNews.com. Ethereum (ETH) might be preparing for yet another bull run, with analysts setting their sights on a possible breakout past $5,000, but astute investors are aware that true exponential profits tend to come from future DeFi crypto instead of blue-chip giants. One example is Mutuum Finance (MUTM), which is valued at only $0.035 in Phase 6 of its presale. Unlike ETH, MUTM provides a double-lending environment with Peer-to-Peer and Peer-to-Contract liquidity pools, providing users with the functionality to lend, borrow, and earn yields within an integrated platform. With its groundbreaking structure, presale hype, and increasing investor interest, some experts are labeling MUTM the next big crypto, setting it up as a high-potential candidate for those looking for enormous returns in the next cycle. Ethereum (ETH) Price Analysis: Stablecoin Flow Signals Institutional Confidence Ethereum (ETH) is demonstrating renewed vigor with stablecoin activity on the network reaching a new all-time high of $580.9B, increasing by 400% over the last 30 days. The aggregate market capitalization of Ethereum-based stablecoins has reached $163B, solidifying ETH’s position as the foundation of on-chain liquidity. On-chain metrics disclose large holders accumulating ETH at $3,738 with some wallets taking multi-million-dollar buys, while institutional involvement in derivative markets like CME futures points to increased conviction in a breakthrough to the upside to $5,000. Strategists refer to a triple-bottom formation at $3,600 and structural demand from stablecoins as longer-term catalysts for profits. Though ETH remains a subject of institutional appeal, investors are also looking into new DeFi crypto projects such as Mutuum Finance (MUTM), which are gaining traction on the back of their high growth prospects and early-stage market potential. What is Mutuum Finance? Mutuum Finance is an innovative DeFi crypto project that seeks to create a versatile and effective digital asset lending and borrowing ecosystem. The platform functions on…

Author: BitcoinEthereumNews

2025/10/27

Disneyland Paris Reveals 45% Fall In Profits Driven By 30-Year-Old Deal

Disneyland Paris Reveals 45% Fall In Profits Driven By 30-Year-Old Deal

The post Disneyland Paris Reveals 45% Fall In Profits Driven By 30-Year-Old Deal appeared on BitcoinEthereumNews.com. Disneyland Paris is experiencing a drop in profits.(Photo by Justin Shin/WireImage) WireImage Disneyland Paris has revealed that its net profit fell by 45.3% to $98.2 million (€88 million) last year after a deal dating back decades cast a dark spell on its bottom line. The resort on the outskirts of Paris comprises seven on-site hotels, two convention centers, a 27-hole golf course, the 44,000-square-meter Disney Village entertainment district and two theme parks – the fairytale-themed Disneyland Park and its neighbor the Walt Disney Studios. The former was the first to debut in 1992 and had a roller coaster ride from the moment its ornate iron gates swung open. This began when the late French president François Mitterrand shunned the launch party saying that it was “not my cup of tea.” The French were put off by high ticket prices, the lack of alcohol in the park’s restaurants and English being its first language. Worse was yet to come for the resort which was 49% owned by Disney itself with the remainder listed on the Paris Euronext exchange. As the majority of the shares were owned by the public this made it difficult for Disney to pour money into the business as it has done with its parks in the United States which it wholly owns. Instead, Disneyland Paris funded its construction with $1.8 billion (€1.7 billion) of bank borrowings and Disney followed suit by lending it even more money. There was good reason for this ownership structure. In order to lock out competitors from the local area, and to carefully control the standards of the land surrounding its parks, Disney acquired a 5,500 acre plot of land which is around a fifth the size of Paris itself. It came with a catch as the French government only allowed Disney to…

Author: BitcoinEthereumNews

2025/10/27

Top Cryptos to Watch in 2025: SHIB and MUTM Lead the Pack

Top Cryptos to Watch in 2025: SHIB and MUTM Lead the Pack

The post Top Cryptos to Watch in 2025: SHIB and MUTM Lead the Pack appeared on BitcoinEthereumNews.com. Investors are searching for the best cryptos to buy now that have great upside momentum along with actual utility. Whereas Shiba Inu (SHIB) remains retail driven in popularity due to memes, another token, Mutuum Finance (MUTM), is taking the headlines as a new crypto making waves in the DeFi space. Sold at a minimum of $0.035 during Phase 6 of its presale, over $17.95 million raised, MUTM is fast finding its way into the watchlist of tokens. Its two-way DeFi lending protocol, which incorporates Peer-to-Peer and Peer-to-Contract liquidity pools, provides yield potential on a scalable level and increased capital efficiency, giving it practical, real-world utility that differentiates it from purely speculative coins. Investors searching for a mix of strong fundamentals combined with explosive growth potential will find Mutuum Finance to be a new crypto with potential to fuel the next crop of market leaders and a top consideration among the best cryptos to buy now. Shiba Inu (SHIB) Price Analysis: Oversold Accumulation Signs Shiba Inu (SHIB) recently witnessed a massive 289 billion token withdrawal from exchanges, around 1.45% of its overall supply, as a long-term accumulation sign with holders taking coins off exchanges and reducing selling pressure. On a technical front, SHIB is currently trading at around $0.000010, creating a descending wedge pattern with support level at $0.0000095 and resistance level at $0.000012. Oversold at RSI of 37, indicating a bounce may be due in the near term; but inability to hold key levels extends the consolidation and caps the upside. SHIB’s accumulation phase indicates cautious optimism; yet there are some investors now focusing on newer industries offering early-stage growth with practical DeFi usability, like Mutuum Finance (MUTM), a new crypto that is gaining attention ahead of the next major market cycle and catching the eye of those looking for…

Author: BitcoinEthereumNews

2025/10/27

How IPO Genie Is Reshaping Early-Stage Investing

How IPO Genie Is Reshaping Early-Stage Investing

The post How IPO Genie Is Reshaping Early-Stage Investing appeared on BitcoinEthereumNews.com. Disclaimer: This article is a sponsored post provided by a third party. It is not part of editorial content and should not be considered financial advice. In crypto, nailing the timing can turn a small bet into a jackpot. But snagging that early spot? It’s tough without the right invite. Enter the whitelist crypto token setup and IPO Genie ($IPO), the platform is shaking things up big time. Whitelisting sounds fancy, but it’s just your golden ticket to buy tokens before the crowd rushes in. We’ll chat about what a whitelist crypto token really is, break down how to join the token whitelist steps, and show why IPO Genie is the smart pick for folks chasing early crypto gold. What Is a Whitelist Crypto Token? Straight up: a whitelist crypto token is like an exclusive guest list for a hot new launch. It lets handpicked investors grab tokens cheaply during presale, way before they go public and prices spike.  Why bother? It keeps out bots and sketchy folks, so only serious players like you, after some homework, get in. Plus, it builds buzz for projects without the chaos. Figuring out how to join the token whitelist? It’s easier than you think: Link your wallet, follow the project’s vibe, or hop on a solid platform like IPO Genie. Boom approved, and you’re set for that sweet presale deal. How IPO Genie Makes Whitelisting Smarter Old-school whitelists? Total headache lotteries, favouritism, endless waits. IPO Genie flips that with fresh tech that feels fair and zippy. They layer in AI to spot real fans, not flippers, and use blockchain for crystal-clear tracking. Every whitelist crypto token spot? Earned through actual interest, like sharing updates or verifying your setup. This isn’t random, it’s smart. Engaged investors score first access, projects get true backers, and…

Author: BitcoinEthereumNews

2025/10/27

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