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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.

14993 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
S&P Global and Chainlink launch on-chain stablecoin risk assessments

S&P Global and Chainlink launch on-chain stablecoin risk assessments

The post S&P Global and Chainlink launch on-chain stablecoin risk assessments appeared on BitcoinEthereumNews.com. S&P Global Ratings has partnered with Chainlink to publish its stablecoin stability assessments on-chain. The collaboration uses Chainlink’s institutional-grade DataLink oracle infrastructure to deliver S&P’s independent stablecoin risk evaluations directly to decentralized finance (DeFi) applications and institutional systems. The SSAs rate a stablecoin’s ability to maintain value parity with fiat currencies on a scale from 1 (very strong) to 5 (weak).  While not formal credit ratings, the assessments analyze key factors such as collateral quality, liquidity management, and governance controls.  By embedding these evaluations into smart contracts through Chainlink’s decentralized network, DeFi protocols and investors can access real-time stability insights for automated risk management and lending decisions. Chuck Mounts, Chief DeFi Officer at S&P Global, said the launch reflects the firm’s aim to “meet clients where they are” as institutional adoption of digital assets accelerates. Chainlink co-founder Sergey Nazarov called the integration “a critical step” in enabling traditional market standards to guide on-chain finance. The move follows S&P Global’s 2023 debut of its Stablecoin Stability Assessments and expands the company’s data reach into blockchain ecosystems. It also aligns with broader efforts to bridge traditional finance with DeFi, joining similar Chainlink integrations from institutions like Deutsche Börse and the U.S. Department of Commerce. S&P Global Ratings’ collaboration with Chainlink builds on a gradual expansion of its digital asset coverage since 2021.  The firm has previously analyzed stablecoin reserves, crypto-backed lending, and tokenization frameworks across traditional credit markets. In December 2023, S&P launched its first stablecoin assessments, evaluating tokens USDC, USDT and others. This is a developing story. This article was generated with the assistance of AI and reviewed by editor Jeffrey Albus before publication. Get the news in your inbox. Explore Blockworks newsletters: Source: https://blockworks.co/news/sp-chainlink-stablecoin-risk-assessments

Author: BitcoinEthereumNews

2025/10/14

NB HASH Launches “RWA Wealth Program” — Real-World Assets Bring Stable Yield to Crypto Investors

NB HASH Launches “RWA Wealth Program” — Real-World Assets Bring Stable Yield to Crypto Investors

LONDON, Oct 2025 — In the midst of a resurging crypto bull market, the spotlight is shifting from speculation to sustainability. As institutions pour billions into RWA (Real-World Assets) and Bitcoin ETFs, NB HASH — a global cloud mining and digital wealth platform — officially announced its new initiative: the NB RWA Wealth Program, allowing users to earn real yield backed by tangible, […] The post NB HASH Launches “RWA Wealth Program” — Real-World Assets Bring Stable Yield to Crypto Investors appeared first on Live Bitcoin News.

Author: LiveBitcoinNews

2025/10/14

Regulated stablecoins in DeFi: bank-backed tokens and regulation

Regulated stablecoins in DeFi: bank-backed tokens and regulation

The post Regulated stablecoins in DeFi: bank-backed tokens and regulation appeared on BitcoinEthereumNews.com. Regulated stablecoins are moving from bank custody into DeFi via partnerships between institutions and brokers, offering on‑chain fiat liquidity while raising custody and compliance questions. How will Bitpanda EURCV access and SG-Forge USDCV coinvertible affect DeFi? Initiatives such as EURCV and USDCV stablecoins aim to provide bank‑grade stablecoins directly to retail users and on‑chain markets. Consequently, investors could access fiat‑backed liquidity on decentralized protocols, which may reduce reliance on unregulated issuers. However, custodial details and redemption mechanics are still being finalised, so market participants are watching operational terms closely. Market observers expect these pairings to influence: liquidity provision on decentralized exchanges (DEXs); compliance‑friendly rails for institutional flows; competition with incumbent stablecoins across lending markets. Are mica compliant stablecoins and retail broker europe stablecoins the new norm? With the EU’s MiCA framework maturing, mica compliant stablecoins are increasingly seen as a baseline for legal certainty. At the same time, retail broker europe stablecoins — tokens distributed by licensed brokers — could broaden retail access to DeFi while aligning with investor‑protection rules. Nevertheless, regulation is not uniform across jurisdictions, so harmonisation remains a work in progress. Which protocols will adopt bank‑backed tokens — Morpho, Uniswap and DeFi lending borrowing? Early integrations point to lending and market‑making layers. Protocols like Morpho and Uniswap are natural candidates to support bank‑backed tokens, enabling new DeFi lending borrowing use cases and collateral options. Therefore, traders may see tighter spreads and more stable pools if these tokens gain traction. That said, technical integration, compliance checks and on‑chain liquidity will determine the pace of adoption. In practice, projects must align smart‑contract design with off‑chain redemption procedures to preserve the peg. What does vision token vision chain mean for institutional investors? The mention of vision token vision chain in partnership roadmaps signals an intent to combine tokenised banking products…

Author: BitcoinEthereumNews

2025/10/14

$HYPER Next Crypto to 1000x? The Bitcoin Hyper Fast-Track for Bitcoin’s Next Chapter

$HYPER Next Crypto to 1000x? The Bitcoin Hyper Fast-Track for Bitcoin’s Next Chapter

Quick Facts: 1️⃣ Bitcoin’s limited throughput, high fees, and lack of native DeFi restrict its use as a true digital currency. 2️⃣ Bitcoin Hyper introduces an SVM Layer 2, enabling instant, low-fee, and secure Bitcoin transactions. 3️⃣ Over $23.5M raised positions Bitcoin Hyper as a major Layer 2 contender. Bitcoin is king. It’s the most […]

Author: Bitcoinist

2025/10/14

Tether to Launch Open-Source Wallet Kit for iOS and Android

Tether to Launch Open-Source Wallet Kit for iOS and Android

The post Tether to Launch Open-Source Wallet Kit for iOS and Android appeared first on Coinpedia Fintech News Tether CEO Paolo Ardoino said the company will release its fully open-source Wallet Development Kit (WDK) this week, with starter wallets for iOS and Android. The WDK demo showcases a template wallet featuring full non-custodial control, multiple mnemonic backup options, and a complete DeFi module covering USDT, USDT0, lending, swapping, and more. The goal is …

Author: CoinPedia

2025/10/14

JPMorgan Chase & Co. (JPM) Stock: Drop as Q3 Delivers $14.4B Net Income, $8B Buybacks and 20% ROTCE

JPMorgan Chase & Co. (JPM) Stock: Drop as Q3 Delivers $14.4B Net Income, $8B Buybacks and 20% ROTCE

TLDR JPMorgan surges on strong Q3 earnings, fueled by $14.4B net income. Record revenue, robust ROTCE, and $12B shareholder return highlight Q3. JPMorgan’s CCB shines with 35% ROE as loans and card sales climb. Investment banking rebounds, driving JPMorgan’s $46B revenue quarter. JPMorgan posts solid growth across units, boosting investor confidence. JPMorgan Chase & Co. [...] The post JPMorgan Chase & Co. (JPM) Stock: Drop as Q3 Delivers $14.4B Net Income, $8B Buybacks and 20% ROTCE appeared first on CoinCentral.

Author: Coincentral

2025/10/14

Tether to Release Open‑Source Wallet Kit for iOS & Android

Tether to Release Open‑Source Wallet Kit for iOS & Android

The post Tether to Release Open‑Source Wallet Kit for iOS & Android appeared on BitcoinEthereumNews.com. Key Notes Tether is set to release its fully open-source WDK this week. The kit includes starter wallets for iOS and Android to simplify crypto wallet creation. With this move, Tether aims to expand self-custody adoption worldwide. Tether is preparing to launch its fully open-source Wallet Development Kit (WDK) this week. The announcement came from CEO Paolo Ardoino, who explained how the toolkit will allow developers to easily build their own non-custodial digital wallets. In a post on X, Ardoino wrote that the WDK will include a ready-to-use “starter wallet” for both iOS and Android. This would offer a demonstration of how developers can quickly assemble a complete crypto wallet using the toolkit. Tether will release this week WDK, the Wallet Development Kit, 100% open-source. WDK contains also a Starter Wallet for both iOS and Android.The Starter Wallet is a compact, fully functional showcase of how easy and quick will be for anyone to develop a complete digital assets… pic.twitter.com/n6y99yQ4zE — Paolo Ardoino 🤖 (@paoloardoino) October 14, 2025 Paolo released an overview of the WDK template wallet in September, noting that it had already undergone a security audit. It features full non-custodial support, multiple backup options, and DeFi modules for lending, swapping, and managing tokens like USDT and USDT0. Here is a demo of the (Wallet Development Kit) WDK Template Wallet.– build 100% on WDK by Tether– well encapsulated reusable UI components– soon opensource– fully non-custodial (supports different seed backup strategies to enable super simple user-experience)– available for… pic.twitter.com/0VRmlQLHP5 — Paolo Ardoino 🤖 (@paoloardoino) September 29, 2025 Open Wallet Infrastructure Tether’s upcoming WDK supports a cross-chain API that connects Bitcoin BTC $110 812 24h volatility: 3.4% Market cap: $2.21 T Vol. 24h: $77.16 B , Ethereum ETH $3 957 24h volatility: 4.5% Market cap: $476.10 B Vol. 24h: $54.89 B…

Author: BitcoinEthereumNews

2025/10/14

Tether to Launch Open-Source Wallet Kit for iOS and Android This Week

Tether to Launch Open-Source Wallet Kit for iOS and Android This Week

Tether is preparing to launch its fully open-source Wallet Development Kit (WDK) this week. The announcement came from CEO Paolo Ardoino, who explained how the toolkit will allow developers to easily build their own non-custodial digital wallets. In a post on X, Ardoino wrote that the WDK will include a ready-to-use “starter wallet” for both iOS and Android. This would offer a demonstration of how developers can quickly assemble a complete crypto wallet using the toolkit. Tether will release this week WDK, the Wallet Development Kit, 100% open-source. WDK contains also a Starter Wallet for both iOS and Android.The Starter Wallet is a compact, fully functional showcase of how easy and quick will be for anyone to develop a complete digital assets… pic.twitter.com/n6y99yQ4zE — Paolo Ardoino 🤖 (@paoloardoino) October 14, 2025 Paolo released an overview of the WDK template wallet in September, noting that it had already undergone a security audit. It features full non-custodial support, multiple backup options, and DeFi modules for lending, swapping, and managing tokens like USDT and USDT0. Here is a demo of the (Wallet Development Kit) WDK Template Wallet.– build 100% on WDK by Tether– well encapsulated reusable UI components– soon opensource– fully non-custodial (supports different seed backup strategies to enable super simple user-experience)– available for… pic.twitter.com/0VRmlQLHP5 — Paolo Ardoino 🤖 (@paoloardoino) September 29, 2025 Open Wallet Infrastructure Tether’s upcoming WDK supports a cross-chain API that connects Bitcoin BTC $111 092 24h volatility: 3.0% Market cap: $2.21 T Vol. 24h: $76.17 B , Ethereum ETH $3 970 24h volatility: 3.8% Market cap: $479.09 B Vol. 24h: $54.55 B , and TON networks TON $2.23 24h volatility: 2.5% Market cap: $5.61 B Vol. 24h: $251.50 M , simplifying the process of building multi-chain wallets. The kit’s account abstraction (for gasless transactions) and modular architecture makes it more adaptable for developers. The WDK’s open-source design aims to encourage innovation by allowing anyone to customize and launch their own digital wallets without relying on third-party custody providers. Industry watchers say this could lower barriers for businesses, decentralized apps, and even AI systems to integrate wallet functionality directly into their products. With over $180 billion in USDT market cap and a dominant position among stablecoins, Tether’s influence in the crypto space is huge. Analysts believe this new toolkit could further expand that dominance across multiple ecosystems. Tether currently serves over 400 million users and has expanded its reach into areas such as AI, data centers, energy infrastructure, and Bitcoin mining. Tether’s WDK Raises the Bar Amid Competition Tether’s competitors like Circle, PayPal, and Stripe also currently provide developer tools and APIs for stablecoin payments, smart contract interaction, and cross-chain transactions. However, their offerings do not offer complete self-custodial wallet kits. Tether’s upcoming WDK stands out for being more comprehensive. Analysts believe that the launch this week could prompt competitors to announce similar wallet-focused products in the near future. Tether first introduced WDK in late 2024 as part of its effort to support cross-device wallet interoperability. The roadmap now includes future features like Lightning Network payments and possibly a peer-to-peer synchronization system for greater decentralization. nextThe post Tether to Launch Open-Source Wallet Kit for iOS and Android This Week appeared first on Coinspeaker.

Author: Coinstats

2025/10/14

Mutuum Finance surpasses $17.3m raised as phase 6 reaches 65% sold

Mutuum Finance surpasses $17.3m raised as phase 6 reaches 65% sold

The post Mutuum Finance surpasses $17.3m raised as phase 6 reaches 65% sold appeared on BitcoinEthereumNews.com. Disclosure: This article does not represent investment advice. The content and materials featured on this page are for educational purposes only. Mutuum Finance is gaining momentum as one of 2025’s most active DeFi presales, combining structured growth, strong investor participation, and a clear technical roadmap. Summary The Ethereum-based lending protocol has raised over $17 million, with Phase 6 of its presale already 65% complete. It features dual lending markets for both major and niche tokens, plus a transparent leaderboard and community giveaways. A CertiK audit and upcoming Sepolia testnet launch position Mutuum Finance as a utility-driven project beyond speculation. Mutuum Finance (MUTM) is rapidly emerging as one of the standout DeFi presales of 2025, attracting increasing attention from both retail participants and industry analysts. The project’s momentum has been building steadily, supported by a structured rollout strategy, an engaged community, and a clear technical vision that sets it apart from typical hype-driven launches. With its current phase progressing quickly and major development milestones on the horizon, Mutuum Finance is entering a decisive stage that could shape its trajectory well beyond the presale period. Mutuum Finance Mutuum Finance is a decentralized, non-custodial lending and borrowing protocol built on Ethereum. Its core aim is to connect token value directly with on-chain activity, unlike many presales that rely purely on hype and speculative marketing. The project is currently in Phase 6 of its fixed-stage presale, with tokens priced at $0.035 each, up from $0.01 in Phase 1, marking a 250% gain for early participants. The structured pricing model increases the token price by roughly 20% at each new phase, rewarding early entry with built-in appreciation and giving investors full visibility into how prices evolve ahead of launch. So far, the presale has attracted over $17.3 million in funding, with more than 750 million…

Author: BitcoinEthereumNews

2025/10/14

MetaDao skyrocketed 10 times, what other projects are worth participating in?

MetaDao skyrocketed 10 times, what other projects are worth participating in?

On October 12th, MetaDao, the Solana blockchain launchpad, launched its latest ICO round: AVICI, LOYAL, ZKSOL, and PAYSTREAM. Just a week prior, while the BSC blockchain was caught up in a meme coin frenzy, MetaDAO's popularity within the Solana ecosystem continued to climb. Its platform token, META, saw its value more than triple during the National Day holiday, becoming one of Solana's most prominent assets. Its ICO project, UMBRA, launched on October 6th, soared from a pre-sale price of $0.30 to $2.10, achieving a 700% return. This series of data not only reflects MetaDAO’s strong ability to generate revenue as an on-chain fundraising engine, but also indicates that the speculative enthusiasm for the Solana ecosystem is returning in full force. MetaDAO may become the core narrative of the Solana ecosystem in the next stage. From “Voting” to “Betting”: MetaDAO’s Market-Based Governance Experiment MetaDAO operates in a completely different way from previous launchpads or ICO platforms. Its logic is simple: let the market determine the fate of the project. When a project raises funds on MetaDAO, all USDC raised doesn't go directly into the team's accounts. Instead, it goes into an on-chain treasury governed by the market. If a team wishes to use funds, issue additional tokens, modify parameters, or even adjust product direction, they must submit a proposal. The approval of a proposal is determined not by voting but by transactions—this is MetaDAO's core governance mechanism, Futarchy. This mechanism is similar to a prediction market, where investors aren't "voting" but "betting." If they believe a proposal will increase token value, they buy into the "Approve" market; if they believe it's harmful, they buy into the "Reject" market. Ultimately, market price itself becomes the basis for judgment—the party with the higher value wins, and the proposal is implemented. This design completely breaks away from the "most votes, most decisions" structure of governance and directly ties every decision to token value. This mechanism has two significant advantages. First, it prevents project owners from "rugging." In the traditional ICO model, once a project successfully raises funds, investors have virtually no leverage, and funds could be misappropriated or disappear at any time. In MetaDAO, all USDC raised is held in an on-chain vault, and any spending or token minting is subject to market verification. If the project team leaves or the market value falls below the stated funds, anyone can initiate a proposal to redeem the funds. Governance no longer relies on "trusting the team" but on "trusting the mechanism." Secondly, incentives are tied to long-term value. MetaDAO's ICO model utilizes a highly volatile and transparent issuance method. Investors receive tokens proportional to their investment, while the founding team's earnings are locked into a "performance package" tied to price performance. The team unlocks corresponding incentives every time the token price reaches 2x, 4x, 8x, 16x, and 32x. All unlocks are subject to an 18-month lock-up period and a three-month time-weighted average price verification. This means that the team can only cash in on returns when the project continues to grow and the token truly gains market recognition. This "delayed gratification" structure redefines the boundary between short-term speculation and long-term development. What projects are worth paying attention to? @UmbraPrivacy UMBRA is Solana's privacy protocol, built on ArciumHQ. Its goal isn't simply to enable "private transactions," but rather to provide a compliant, auditable privacy infrastructure for the entire on-chain financial system. By building an auditable, anonymous transfer system, UMBRA enables transactions to be verified on-chain without exposing any critical details, enabling the coexistence of privacy and trust. UMBRA's governance is fully decentralized—fundraising, tokens, and the treasury are all controlled by the community. The team and early backers have allocated a total of 13.5 million tokens, which will be gradually unlocked after an 18-month lockup period, with returns linked to token performance. @AviciMoney Avici is a crypto neobank built on Solana, aiming to create a global internet banking system that is user-hosted and trustless. Users can open a stablecoin Visa card in minutes, spend directly with crypto assets, and deposit funds through a virtual account. Avici also plans to launch an on-chain credit score, replacing traditional credit reporting with zero-knowledge proofs, allowing users to obtain fairer credit services while protecting their privacy. The platform currently boasts over $1 million in spending, a 70% retention rate, and over 9,000 users. Avici will launch an ICO on MetaDAO on October 14th, issuing an Ownership Coin. @loyal_hq Loyal is a decentralized intelligent inference protocol built on Solana and MagicBlock infrastructure, aiming to rebuild a private and open-source intelligent network. It allows users to securely call AI models and conduct private conversations on-chain. The user's wallet generates a PDA (Program Derived Address), which both records conversations and serves as a payment settlement node. AI inference fees are automatically distributed to computing nodes, developers, and the protocol itself, creating a fully decentralized incentive loop. The project will launch an ICO on MetaDAO on October 18th, with a total supply of 10 million tokens and a minimum fundraising amount of $500,000. 28% of the team's tokens will be locked for 18 months and unlocked in batches based on price multiples (2x, 4x, 8x, 16x, and 32x). @ZKLSOL ZKLSOL is the first protocol on Solana to combine privacy protection with yield generation. Traditional mixers require long periods of locked funds to enhance anonymity, but this means assets sit idle. ZKLSOL, on the other hand, relies on liquidity staking, earning interest on deposited SOL, allowing users to earn income while waiting for privacy mixing. ZKLSOL's yield model has a clear flywheel logic: users deposit SOL → generate ZKLSOL → generate yield from staking → pay a small fee upon withdrawal and transfer → fees and yield are combined into a reward pool, driving up APY, attracting more depositors, and further enhancing anonymity and fund security. The project will launch its ICO on MetaDAO on October 19th, with all funds raised going toward security audits, expanding LPs, and implementing regulatory compliance. @Paystreamlabs Paystream is a DeFi lending protocol that combines peer-to-peer matching and liquidity aggregation, aiming to maximize the efficiency of on-chain capital utilization. It achieves efficient capital circulation and maximized returns through a two-tiered structure: a P2P matching engine and a smart liquidity pool (LLP). At its core, Paystream's matching engine directly matches lenders and borrowers, ensuring the best interest rate for both parties. When the market temporarily lacks a match, the system automatically routes idle funds to the underlying yield pool, allowing the funds to continue generating returns. Protocol revenue primarily comes from two sources: a share of the matching spread and lending interest; and fees collected from users when borrowing, making leveraged markets, or withdrawing funds. The project will launch its ICO on MetaDAO on October 23rd. Summarize The recent rise of MetaDAO bears resemblance to the once-popular Believe ecosystem. The former reshapes fundraising tools with its "anti-rug" ICO mechanism, while the latter ignites investor sentiment with its Launchpad platform. Together, these two initiatives have driven Solona's alignment with the ICM (Internet Capital Market) ecosystem, gradually transitioning from MEME to sustainable speculation. Against the backdrop of the emergence of hot sectors like privacy, payments, and AI, MetaDAO may be becoming a key pillar in Solana's ecosystem recovery.

Author: PANews

2025/10/14

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