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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.

14541 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Which Tokens Are Set to 15x by 2026? Here’s Where to Put Your Money

Which Tokens Are Set to 15x by 2026? Here’s Where to Put Your Money

The post Which Tokens Are Set to 15x by 2026? Here’s Where to Put Your Money appeared on BitcoinEthereumNews.com. Cardano (ADA) has amassed a devoted community over the years, with consistent ecosystem growth and a robust community backing it. However, when it comes to price appreciation potential leading into 2026, analysts are also highlighting new Mutuum Finance (MUTM).  Sold at the presale price of just $0.035, MUTM is a lending and borrowing protocol that will bring valuable utility to the DeFi market, which the majority of investors feel is the building block towards long-term adoption. The project has raised over $16.01 million and has over 16,410 token holders. While ADA may still be posting steady gains, Mutuum Finance is being positioned as the token that could potentially record a 15x return in the next cycle. Cardano Maintains Steady Growth  Cardano (ADA) is trading at $0.88, still above its recent support level of $0.80 as resistance trades around the $1.10 mark. It has shown stable ecosystem expansion, particularly in staking and governance, that continue to underpin investor sentiment. While general market expectations are that ADA has room to make substantial gains leading up to 2026, its larger market cap and relative maturity may put a ceiling on how fast it expands. Investors, on the other hand, are looking at Mutuum Finance, for more percentage upside in 2025. Understanding Mutuum Finance The protocol actively handles liquidity and volatility in such a manner that it can short illiquid positions on good terms. Risk exposure is zero, while liquidation points are radically minimal. It comes with stablecoins and ETH and other levels of LTV for risk assets collateralized by lower-risk assets. It also features a proportionally allocated reserve factor by asset class and one that optimizes the protocol reserve safety. Mutuum Finance (MUTM) presale is now ongoing. Stage 6 presale investors can buy MUTM for $0.035. Already, there are over 16,410 investors who…

Author: BitcoinEthereumNews

2025/09/20

CFTC Appoints Crypto Leaders to Digital Asset Markets Subcommittee

CFTC Appoints Crypto Leaders to Digital Asset Markets Subcommittee

The post CFTC Appoints Crypto Leaders to Digital Asset Markets Subcommittee appeared on BitcoinEthereumNews.com. The Commodity Futures Trading Commission (CFTC) has appointed new members to its Global Markets Advisory Committee (GMAC) and subcommittees, adding several crypto industry leaders to the Digital Asset Markets Subcommittee (DAMS) — a move that underscores the regulator’s continued engagement with the sector.  CFTC Acting Chair Caroline D. Pham named four new DAMS members: Katherine Minarik, chief legal officer at Uniswap Labs; Avery Ching, co-founder and chief technology officer of Aptos Labs; James J. Hill, managing director and head of structure innovation at BNY; and Ben Sherwin, general counsel at Chainlink Labs. In addition, Scott Lucas, head of digital assets at JPMorgan, was appointed co-chair of DAMS alongside Sandy Kaul, executive vice president at Franklin Templeton. They succeed Caroline Butler, who previously served as co-chair. “We look forward to working with the Commission and broader industry partners to help shape clear and effective regulatory frameworks in a well-structured digital asset market,” Lucas said in a statement.  Kaul added that she aims to continue advancing digital asset innovation into the mainstream “with prudent and well-designed consumer protections, enabling greater efficiencies and opportunities for all investors.” Source: Caroline D. Pham Created to provide the CFTC with expert guidance on cryptocurrency, blockchain and tokenized markets, the DAMS advises the agency on risks and opportunities, develops policy recommendations, and works to bridge traditional and decentralized finance. Pham was designated Acting Chair of the CFTC on President Donald Trump’s inauguration day in January, having served as a Commissioner since April 2022. Her current commissioner term runs until April 2027, allowing her to remain in the role until a permanent chair is appointed. Related: US Senate Democrats offer competing framework for crypto market structure Wall Street deepens its blockchain bet as pro-industry regulation takes hold The latest appointments underscore the growing bridge between traditional and decentralized…

Author: BitcoinEthereumNews

2025/09/20

Essential Guide: Why Smart Companies Are Securing Their Future with Crypto Treasuries

Essential Guide: Why Smart Companies Are Securing Their Future with Crypto Treasuries

BitcoinWorld Essential Guide: Why Smart Companies Are Securing Their Future with Crypto Treasuries In today’s rapidly evolving financial landscape, understanding how to manage digital assets is becoming paramount for businesses. A critical shift in perspective is emerging: viewing crypto treasuries not as mere speculative holdings, but as fundamental strategic reserves. This isn’t just a trend; it’s a strategic imperative, according to industry leaders like HashKey Capital CEO Deng Chao. Why Are Crypto Treasuries Essential Strategic Reserves? Deng Chao emphasizes that only companies with robust, long-term strategies and strong governance can truly thrive in the often-volatile cryptocurrency market. He believes that treating digital assets like any other core treasury holding – akin to gold or fiat currency reserves – is crucial for sustained success. This approach helps companies: Diversify Assets: Reduce reliance on traditional asset classes. Mitigate Risk: Potentially hedge against inflation or currency devaluation. Future-Proof Operations: Position the company at the forefront of digital finance innovation. Integrate Digital Economy: Prepare for a future where digital assets play a more central role in commerce and operations. This long-term vision is what separates resilient firms from those caught in short-term market fluctuations. By embedding digital assets into their foundational financial planning, companies can unlock new opportunities and enhance their overall financial stability. Complementary Power: ETFs and Digital Asset Treasuries There’s a common misconception that crypto ETFs (Exchange-Traded Funds) and direct crypto treasuries are competing solutions. However, Chao clarifies that they are, in fact, complementary. ETFs offer an accessible way for a broader range of investors to gain exposure to cryptocurrencies without direct ownership or management. On the other hand, a company’s digital asset treasury strategy is designed for deeper integration. It allows businesses to: Hold cryptocurrencies directly on their balance sheet. Utilize digital assets for operational purposes, such as international payments or liquidity management. Participate in decentralized finance (DeFi) protocols for yield generation or lending, if aligned with risk tolerance and governance. Explore Web3 applications and partnerships that require native digital asset holdings. Therefore, while ETFs provide a regulated investment vehicle, crypto treasuries empower companies to actively participate in and leverage the digital asset ecosystem within their core business functions. Crafting Your Company’s Resilient Crypto Treasury Strategy Building a successful digital asset treasury requires more than just buying some Bitcoin. It demands careful planning and execution. Companies should consider these actionable insights: Establish Clear Governance: Develop explicit policies for acquisition, custody, accounting, and risk management of digital assets. Prioritize Security: Implement robust security measures, including multi-signature wallets and institutional-grade custody solutions, to protect your holdings. Adopt a Long-Term Perspective: Resist the urge for speculative trading. Focus on the strategic value and potential for long-term growth. Seek Expert Guidance: Partner with firms specializing in digital asset management and treasury solutions to navigate complexities and ensure compliance. Understand Regulatory Landscape: Stay informed about evolving regulations in different jurisdictions, as this impacts compliance and operational strategy. By approaching crypto treasuries with diligence and foresight, businesses can transform potential challenges into strategic advantages, securing their place in the future of finance. In conclusion, the message from HashKey Capital’s CEO is clear: the era of viewing digital assets purely as speculative plays is fading. Forward-thinking companies are recognizing the profound strategic value of integrating crypto treasuries into their core financial framework. This shift isn’t just about holding digital currency; it’s about adopting a resilient, future-oriented approach to treasury management that can drive long-term stability and growth in a dynamic global economy. Embracing this perspective is not merely an option, but an essential step for businesses aiming to thrive in the digital age. Frequently Asked Questions (FAQs) About Crypto Treasuries Q1: What exactly are crypto treasuries for a company? A1: Crypto treasuries refer to a company’s holdings of various digital assets, such as cryptocurrencies (like Bitcoin or Ethereum) and stablecoins, as part of its corporate balance sheet. They are managed as strategic reserves, similar to traditional cash or bond reserves. Q2: Why should companies view crypto treasuries as strategic reserves? A2: Viewing them as strategic reserves allows companies to diversify their balance sheet, potentially hedge against inflation, prepare for the future of digital commerce, and integrate digital assets into their long-term operational and financial strategies, rather than just treating them as short-term speculative investments. Q3: How do crypto treasuries differ from investing in crypto ETFs? A3: Crypto ETFs offer indirect exposure to digital assets, often managed by a fund, and are primarily investment vehicles. Crypto treasuries, however, involve a company directly owning and managing digital assets on its balance sheet, allowing for operational use cases, deeper integration into business processes, and direct control over the assets. Q4: What are the main challenges in establishing a digital asset treasury? A4: Key challenges include navigating regulatory uncertainty, managing market volatility, ensuring robust security and custody solutions, developing clear internal governance policies, and understanding the tax implications of digital asset holdings. Q5: What kind of companies would benefit most from establishing crypto treasuries? A5: Companies involved in technology, international trade, Web3 development, or those with significant cash reserves looking for diversification and long-term growth potential in the digital economy would benefit significantly. Any forward-thinking business aiming for innovation and resilience can explore this strategy. If you found this article insightful, consider sharing it with your network! Help us spread the word about the strategic importance of digital assets in modern business. Your shares make a difference! To learn more about the latest crypto market trends, explore our article on key developments shaping Bitcoin institutional adoption. This post Essential Guide: Why Smart Companies Are Securing Their Future with Crypto Treasuries first appeared on BitcoinWorld.

Author: Coinstats

2025/09/20

Live to earn: How Emorya pays to incentivize healthy habits

Live to earn: How Emorya pays to incentivize healthy habits

The post Live to earn: How Emorya pays to incentivize healthy habits appeared on BitcoinEthereumNews.com. Emorya is an application that incentivizes healthy living by paying users for calories burned. The model is an advancement of the conventional move-to-earn games, which do not cover all the aspects of a healthy lifestyle. At the center of the project is a hyper-deflationary token, $EMR, which is used to reward user activity. The project bridges Web2 and Web3, making crypto accessible through everyday actions. In this article, we explore the Emorya application, i.e., how it works to reward healthy habits, its deflationary tokenomics, and eventually how businesses can leverage its community to make more revenue and attract more customers. What is live to earn? Live-to-earn is a relatively new concept in decentralized finance that gamifies and rewards user activity. In the case of Emorya, the concept rewards players for healthy habits, whether sleeping or exercising; the rewards keep accumulating.  The concept varies from conventional move-to-earn games, which reward you for physical activity or movement, blending fitness with gaming. Another popular concept is play-to-earn games, which incentivize players to play their games. The Emorya App is designed exclusively for members of the Emorya network. It offers a seamless way to synchronize health data and participate in exciting in-network competitions to unlock rewards and achievements. Behavioral psychology: Why do rewards work? People are wired to crave rewards. Multiple research studies have shown that the brain releases dopamine when people receive or anticipate a reward. This anticipation fuels motivation and repeated behavior, which Emorya has ingeniously adopted to promote healthy living. The desire to manage weight and keep healthy are two of the most common reasons people track their calories. According to the Endowment effect, the moment you own or get an incentive, you are more likely to value it. The Live to Earn concept lets you earn crypto immediately, giving you…

Author: BitcoinEthereumNews

2025/09/20

Bitcoin ETF and Ethereum ETF End Another Positive Week; BTC Price and ETH Price Set Upticks

Bitcoin ETF and Ethereum ETF End Another Positive Week; BTC Price and ETH Price Set Upticks

The post Bitcoin ETF and Ethereum ETF End Another Positive Week; BTC Price and ETH Price Set Upticks appeared on BitcoinEthereumNews.com. Bitcoin ETF and Ethereum ETF recorded inflows this week from September 15 – 19, 2025. BTC price and ETH price are estimated to surge in the next 30 days. The recent rate cut announcement by the US Federal Reserve may also contribute to the bull run. Both the Bitcoin ETF and Ethereum ETF recorded a week of positive flows. While there was a time when funds moved outwards, the movement largely remains favorable for Spot ETFs. BTC price and ETH price noted a decline, but factors indicate that the trend could reverse in the days to come. Bitcoin token price and Ether price are estimated to surge in the next 30 days. Positive Week for BTC ETF and ETH ETF Spot Bitcoin ETF and Spot Ethereum ETF majorly saw inflows from September 15 – 19, 2025. BTC ETF noted the highest influx of $292.3 million on September 16, 2025. The lowest fund movement happened on September 18, 2025, worth $163 million. Spot Bitcoin ETF was last seen banking an inflow of $222.6 million led by BlackRock’s IBIT. BTC ETF only noted an outflow on September 17, 2025, for $51.3 million. BlackRock recorded an inflow of $149.7 million but was overshadowed by Fidelity (FBTC), Bitwise (BITB), Ark Invest (ARKB), and Grayscale (GBTC). The cumulative total inflow for Spot Bitcoin ETF stands at $57,678 million as of September 19, 2025. ETH ETF noted the highest inflow movement on the opening day, that is, on September 15, 2025. Funds of $359.7 million were injected, with most of them in BlackRock’s ETHA. The lowest inflow Spot Ethereum ETF recorded was on September 19, 2025, when funds worth $47.8 million were injected. Ether ETF experienced outflows on two consecutive days – 16 and 17 September 2025. The earlier date is when BlackRock’s ETHA saw funds…

Author: BitcoinEthereumNews

2025/09/20

Flare Launches First XRP-Backed Stablecoin, Boosting DeFi Use

Flare Launches First XRP-Backed Stablecoin, Boosting DeFi Use

The post Flare Launches First XRP-Backed Stablecoin, Boosting DeFi Use appeared on BitcoinEthereumNews.com. Flare Network Launches First XRP-Backed Stablecoin, Expanding XRP’s Role in DeFi Flare Network has officially launched the first XRP-backed stablecoin, marking a significant milestone in the growth of XRP’s utility within the decentralized finance (DeFi) ecosystem. This development not only strengthens XRP’s position in the crypto market but also opens new avenues for liquidity, lending, and decentralized applications. Unlike traditional stablecoins pegged to fiat currencies like the US dollar, the new Flare stablecoin leverages XRP as collateral, combining the stability of a digital asset with the flexibility of DeFi.  This innovation allows XRP holders to access stablecoin functionality without converting to fiat, providing seamless participation in lending protocols, yield farming, and other DeFi mechanisms. Flare Network, with EVM-compatible smart contracts, launches an XRP-backed stablecoin, connecting XRP’s cross-border payment use case to the booming DeFi market. Analysts say this could draw retail and institutional investors seeking XRP exposure with the benefits of reduced volatility and programmable finance. Therefore, the launch meets rising demand for regulatory-compliant, collateral-backed digital assets. With XRP recently recognized as a utility token in key jurisdictions, Flare’s stablecoin boosts XRP’s credibility and adoption, extending its utility from cross-border payments to DeFi and attracting developers and investors alike. Experts predict the XRP-backed stablecoin will boost trading volumes and DeFi liquidity, while paving the way for other blockchains to expand asset-backed stablecoins without compromising security or decentralization. Ripple Leads Blockchain Innovation with Cross-Border Transaction Patents Ripple, the blockchain company behind XRP, is emerging as a dominant force in cross-border payments, solidifying its position through an impressive portfolio of blockchain patents.  According to crypto researcher SMQKE, Ripple now leads the industry in patents specifically designed for enhancing cross-border transaction methods, underscoring its commitment to transforming global finance. The patents highlight Ripple’s strategic focus on improving speed, transparency, and efficiency in international…

Author: BitcoinEthereumNews

2025/09/20

XRP’s DeFi Moment — Flare’s First XRP-Backed Stablecoin Meets Ripple’s Patent Push

XRP’s DeFi Moment — Flare’s First XRP-Backed Stablecoin Meets Ripple’s Patent Push

Flare Network Launches First XRP-Backed Stablecoin, Expanding XRP’s Role in DeFiFlare Network has officially launched the first XRP-backed stablecoin, marking a significant milestone in the growth of XRP’s utility within the decentralized finance (DeFi) ecosystem. This development not only strengthens XRP’s position in the crypto market but also opens new avenues for liquidity, lending, and decentralized applications.Unlike traditional stablecoins pegged to fiat currencies like the US dollar, the new Flare stablecoin leverages XRP as collateral, combining the stability of a digital asset with the flexibility of DeFi. This innovation allows XRP holders to access stablecoin functionality without converting to fiat, providing seamless participation in lending protocols, yield farming, and other DeFi mechanisms.Flare Network, with EVM-compatible smart contracts, launches an XRP-backed stablecoin, connecting XRP’s cross-border payment use case to the booming DeFi market. Analysts say this could draw retail and institutional investors seeking XRP exposure with the benefits of reduced volatility and programmable finance.Therefore, the launch meets rising demand for regulatory-compliant, collateral-backed digital assets. With XRP recently recognized as a utility token in key jurisdictions, Flare’s stablecoin boosts XRP’s credibility and adoption, extending its utility from cross-border payments to DeFi and attracting developers and investors alike.Experts predict the XRP-backed stablecoin will boost trading volumes and DeFi liquidity, while paving the way for other blockchains to expand asset-backed stablecoins without compromising security or decentralization.Ripple Leads Blockchain Innovation with Cross-Border Transaction PatentsRipple, the blockchain company behind XRP, is emerging as a dominant force in cross-border payments, solidifying its position through an impressive portfolio of blockchain patents. According to crypto researcher SMQKE, Ripple now leads the industry in patents specifically designed for enhancing cross-border transaction methods, underscoring its commitment to transforming global finance.The patents highlight Ripple’s strategic focus on improving speed, transparency, and efficiency in international money transfers. Traditional cross-border payments are often slow, costly, and opaque due to reliance on legacy banking systems and intermediary networks. Ripple’s patented technologies, however, aim to streamline these processes, enabling near-instant settlements with lower fees while maintaining robust compliance standards.Ripple topping blockchain patents showcases its technical prowess and growing institutional trust. By securing intellectual property in areas like transaction routing, liquidity management, and fraud prevention, Ripple not only gains a competitive edge over other blockchain projects but also positions itself as a modern alternative to traditional payment systems like SWIFT, according to SMQKE.Therefore, Ripple’s patent strategy cements its role as a blockchain innovator and potential licensor. As firms seek efficient, compliant solutions for cross-border payments, Ripple’s portfolio may become the industry benchmark, shaping global standards for secure and streamlined digital asset settlements.ConclusionIn a rapidly evolving financial landscape, Ripple’s dominance in cross-border transaction patents demonstrates that innovation, adoption, and strategic IP management are key to blockchain leadership.On the other hand, Flare Network’s XRP-backed stablecoin is a strategic advancement that elevates XRP’s utility in the DeFi sector. By providing a stable, collateralized digital asset built on XRP, Flare unlocks new financial opportunities, enhances liquidity, and fosters innovation in decentralized finance. 

Author: Coinstats

2025/09/20

Coinbase CEO wants to build a super crypto-focused app

Coinbase CEO wants to build a super crypto-focused app

The post Coinbase CEO wants to build a super crypto-focused app appeared on BitcoinEthereumNews.com. Coinbase CEO Brian Armstrong has teased the idea of creating a full crypto-focused super app. According to Armstrong, the long-standing vision of the company still remains to replace traditional banks, and it will move a step closer to achieving this goal through the development. Speaking at a recent interview with Fox Business, Armstrong confirmed that the company has plans to offer a full range of financial services to its clients. These services will include payments, credit cards, and rewards, with all the services powered by crypto rails. “Yes, we do want to become a super app and provide all types of financial services,” Armstrong said. “We want to become people’s primary financial account, and I think that crypto has a right to do that.” Coinbase CEO plans to build a crypto super app In the interview, the Coinbase CEO criticized the current banking system. He mentioned that it is outdated and inefficient, pointing to the high transaction fees as one of the main pain points. “It kind of boggles my mind. Like, why are we paying two to three percent every time we swipe our credit card?” he asked. “It’s just some bits of data flowing over the internet. It should be free or close to it.” According to Armstrong, the long-term goal is to ensure that the platform offers the best services across the board, including a credit card that offers 4% Bitcoin rewards. “Ultimately, we want to be a bank replacement for people,” he said. The push for the application comes amid the growing regulatory clarity in the United States. Armstrong recently praised the legislative, listing feats like the GENIUS Act as progress in the broader market structure legislation. Armstrong also mentioned that regarding regulatory clarity, the “freight train has left the station.” “We’ve partnered with banks like…

Author: BitcoinEthereumNews

2025/09/20

Enosys Forks Ethereum Liquidity Protocol to Enable XRP-Backed Stablecoins

Enosys Forks Ethereum Liquidity Protocol to Enable XRP-Backed Stablecoins

TLDR Enosys Loans allows FXRP holders to mint stablecoins, expanding XRP’s DeFi role. Enosys forks Ethereum’s Liquity protocol to support XRP-backed stablecoins. Stablecoin minting begins with FXRP and wFLR, with stXRP and FBTC soon. Flare Times Series Oracle ensures accurate pricing and efficient minting process. Enosys, a blockchain research and development team on Flare Network, [...] The post Enosys Forks Ethereum Liquidity Protocol to Enable XRP-Backed Stablecoins appeared first on CoinCentral.

Author: Coincentral

2025/09/20

Experts Say MUTM Could Be the Best Crypto to Invest in for Your $3,000 Budget Since BTC and ETH Are Expensive

Experts Say MUTM Could Be the Best Crypto to Invest in for Your $3,000 Budget Since BTC and ETH Are Expensive

Bitcoin (BTC) trading near $117,000 and Ethereum (ETH) around $5,000 have created an uncomfortable truth for many retail investors: entering these giants now requires a serious amount of capital. While both remain pillars of the market, the reality is that smaller portfolios often struggle to capture meaningful upside from these high-priced crypto coins. That is [...] The post Experts Say MUTM Could Be the Best Crypto to Invest in for Your $3,000 Budget Since BTC and ETH Are Expensive appeared first on Blockonomi.

Author: Blockonomi

2025/09/20

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