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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.

14527 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Galaxy Digital confirms leveraging Aave for capital efficiency and next-gen DeFi solutions

Galaxy Digital confirms leveraging Aave for capital efficiency and next-gen DeFi solutions

The post Galaxy Digital confirms leveraging Aave for capital efficiency and next-gen DeFi solutions appeared on BitcoinEthereumNews.com. The company is using Aave to optimize liquidity, manage treasury, and build innovative DeFi products. The development signals the prevailing institutional shift towards DeFi. AAVE has gained more than 5% on the news. Altcoins remained on the radar as they continue to outperform Bitcoin after the September 17 interest rate cut. Amidst the optimism, publicly listed Galaxy Digital has confirmed significant integration with Aave, a leading lending protocol. The financial services company announced that Aave is key to its strategic operations, including treasury undertakings, trading, and lending. The approach aims to reduce dependence on centralized liquidity providers and enhance capital efficiency. According to Galaxy’s Head of Lending, Max Bareiss: Aave has proven to be a highly reliable platform for accessing liquidity. It’s a core venue for borrowing stablecoins against blue-chip assets like BTC and ETH, offering 24/7 availability, without third-party intermediaries. As institutions embrace digital assets, DeFi is emerging as critical financial infrastructure. At Galaxy, we’re integrating @aave into our workflows, not just to manage liquidity, but to transform how capital moves across markets👇 pic.twitter.com/vb00R12BaJ — Galaxy (@galaxyhq) September 18, 2025 Aave’s native token rallied after Galaxy’s announcement, which testified to DeFi’s increasing institutional appeal. Borrowing against top assets The firm primarily uses Aave to borrow stablecoins against established assets like Bitcoin and Ethereum. Leveraging a permissionless network allows Galaxy to escape slow authorization procedures seen in CeFi. That enables its trading desks to access massive liquidity instantly. Meanwhile, the firm uses the borrowed capital to support balance sheet liquidity, institutional lending, and client trading activities. That gives Galaxy a competitive edge in the fast-paced blockchain markets. Furthermore, Aave serves as Galaxy’s credit facility, with its thriving lending pools supporting flexible credit and bridge loans. The blockchain’s accommodative interest rate mechanism allows the company to manage borrowing costs according to…

Author: BitcoinEthereumNews

2025/09/19

GBC Mining Offers Hassle-Free XRP Exposure Through Cloud Mining

GBC Mining Offers Hassle-Free XRP Exposure Through Cloud Mining

The post GBC Mining Offers Hassle-Free XRP Exposure Through Cloud Mining appeared on BitcoinEthereumNews.com. As regulatory-complex ETFs emerge, cloud mining emerges as the straightforward alternative for crypto investors. As the crypto world buzzes over today’s launch of the REX-Osprey XRP ETF (“XRPR”)—a hybrid product blending spot XRP holdings with derivatives and Treasuries—investors are reminded that crypto wealth-building doesn’t require navigating complex financial wrappers. GBC Mining, a global leader in cloud mining since 2019, offers a simpler solution: earning cryptocurrencies like Bitcoin, and more through automated cloud mining, without derivatives, regulations, or technical barriers. Why Overcomplicate Crypto Growth? The newly launched XRPR ETF, while groundbreaking in its hybrid structure, highlights the increasing complexity of crypto investment vehicles. Fox Business journalist Eleanor Terrett aptly described it as a “spot ETF with extras,” referencing its mix of real XRP, cash, and derivatives under the Investment Company Act of 1940. For everyday investors, however, the question remains: why navigate layers of regulation and financial engineering when you can participate directly in crypto’s growth? GBC Mining cuts through the noise. Instead of ETFs, brokerage accounts, or derivatives, we empower users to generate passive income through cloud mining—a method that lets you rent mining hardware in our global data centers. No technical expertise, no hardware costs, no regulatory uncertainty. Just transparent, daily payouts in the crypto of your choice. GBC Mining: Your Shortcut to Crypto Earnings Founded in 2019 and trusted by 6 million users worldwide, GBC Mining operates state-of-the-art mining facilities across the U.S., Canada, Iceland, and Northern Europe. Our platform democratizes access to crypto mining, turning anyone with $20 into a digital asset miner. Unlike ETFs, which tie returns to market prices, GBC Mining guarantees fixed returns based on your chosen plan. Whether XRP surges or corrects, your daily earnings remain predictable. Profit Plans for Every Budget Start small or scale big—no $50K minimums, no waiting periods. Miner…

Author: BitcoinEthereumNews

2025/09/19

Coinbase adds USDC lending with Morpho on Base

Coinbase adds USDC lending with Morpho on Base

The post Coinbase adds USDC lending with Morpho on Base appeared on BitcoinEthereumNews.com. Coinbase will introduce USDC lending directly within its app, allowing users to earn yields as high as 10.8% through a new onchain integration with Morpho, the company said on Thursday. The feature, which will roll out to customers in the US (excluding New York), Bermuda, and other jurisdictions over the coming weeks, enables users to lend their USDC to borrowers on Base, Coinbase’s layer-2 blockchain. The lending system works by creating a smart contract wallet that connects to the Morpho protocol, with Steakhouse Financial managing onchain vaults that allocate liquidity across multiple markets. This design is meant to optimize returns while preserving user access to funds, which can be withdrawn when liquidity is available. Coinbase emphasized that despite the complexity of decentralized finance (DeFi), the integration will maintain the platform’s familiar interface and security features. USDC, a stablecoin redeemable 1:1 for U.S. dollars, already provides Coinbase users with passive rewards of 4.1% APY, or 4.5% for Coinbase One members. The lending expansion marks a push to increase earnings potential for holders of the asset, which has a circulating supply of more than $73 billion. Subheading updated 9/18/25 at 1:02 p.m. to correct a typo in yield percentage. 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/coinbase-usdc-onchain

Author: BitcoinEthereumNews

2025/09/19

BlockDAG’s $408M Surge and 20+ Exchange Listings Outshine Bitcoin Hyper and PEPENODE in 2025

BlockDAG’s $408M Surge and 20+ Exchange Listings Outshine Bitcoin Hyper and PEPENODE in 2025

Explore why BlockDAG’s $408M+ presale, 20+ exchange listings, and massive ecosystem growth position it ahead of Bitcoin Hyper and Pepenode as the best crypto presale opportunity in 2025.

Author: Blockchainreporter

2025/09/19

Coinbase On-Chain Lending: Unleash Impressive USDC Yields Up to 10.8%

Coinbase On-Chain Lending: Unleash Impressive USDC Yields Up to 10.8%

BitcoinWorld Coinbase On-Chain Lending: Unleash Impressive USDC Yields Up to 10.8% Are you looking for smarter ways to make your digital assets work for you? The world of cryptocurrency is constantly evolving, and a significant development has just arrived. Coinbase has launched an innovative Coinbase on-chain lending service for USDC, promising attractive yields. This exciting new offering allows users to earn up to 10.8% on their stablecoin holdings, opening up fresh opportunities for crypto enthusiasts and investors alike. What is Coinbase On-Chain Lending and How Does it Work? Coinbase’s new on-chain lending service is a groundbreaking step, bringing decentralized finance (DeFi) opportunities directly to its user base. This feature, as reported by The Block, is built on the robust Base network and powered by leading DeFi protocols Morpho and Steakhouse Financial. In essence, it bridges the gap between traditional crypto exchanges and the dynamic world of on-chain yield generation. Seamless Deposit Process: When you deposit USDC, Coinbase simplifies the process by creating a dedicated smart contract wallet for your funds. Optimized Yield: This smart contract then intelligently connects your USDC to multiple lending pools across the Base network. The goal is to optimize returns, ensuring you get the best possible yield. Immediate Earnings: You start earning yield right away, without any complex setup. Flexible Withdrawals: Importantly, you maintain control. Users can withdraw their funds at any time, offering crucial liquidity. This initiative makes high-yield opportunities, traditionally complex for many, incredibly accessible through the familiar Coinbase interface. It’s a powerful blend of security, simplicity, and earning potential. Maximizing Your Returns: The Power of Morpho and Base Network The impressive yields, reaching up to 10.8%, are not magic; they are the result of sophisticated underlying technology. Morpho and Steakhouse Financial, operating on the Base network, are key players in making this possible. Morpho, for instance, is known for its optimized lending protocols that aim to offer better rates by matching lenders and borrowers more efficiently. The Base network, developed by Coinbase itself, provides a secure, low-cost, and developer-friendly environment for decentralized applications. Its integration means that the Coinbase on-chain lending service benefits from: Enhanced Security: Leveraging the robust security of the underlying Ethereum network. Lower Transaction Costs: Making participation more economical for users. Scalability: Ensuring the service can handle a growing number of users and transactions efficiently. Moreover, the use of a smart contract wallet means your funds are managed transparently on the blockchain. This transparency is a cornerstone of DeFi, allowing users to verify transactions and the operational logic of the lending pools. Why Choose Coinbase for On-Chain Lending? For many, the world of decentralized finance can seem daunting due to its technical complexity and the perceived risks. Coinbase’s entry into on-chain lending significantly lowers this barrier. Here’s why this platform stands out: Trust and Reliability: Coinbase is a regulated and publicly traded company, bringing a layer of trust that is often missing in the broader DeFi landscape. User-Friendly Experience: The service is integrated directly into the Coinbase platform, making it incredibly easy for existing users to participate without navigating external DeFi protocols. Simplified Access: It abstracts away the complexities of interacting directly with smart contracts, setting up MetaMask, or managing gas fees for multiple protocols. Optimized Performance: By connecting to multiple lending pools, Coinbase aims to provide consistently competitive yields, taking the guesswork out of finding the best rates. Ultimately, this offering aims to democratize access to high-yield opportunities, making them available to a wider audience who might otherwise shy away from the intricacies of DeFi. Navigating the On-Chain Lending Landscape: Risks and Rewards While the prospect of earning up to 10.8% on your USDC is undeniably attractive, it is crucial to understand that all financial endeavors carry some level of risk. Coinbase on-chain lending, while designed for security and ease of use, is no exception. Potential risks include: Smart Contract Vulnerabilities: Although extensively audited, smart contracts can theoretically have bugs or exploits. Market Volatility: While USDC is a stablecoin, the underlying value of the assets in lending pools can fluctuate, affecting overall returns or, in extreme cases, principal. Protocol Risks: The performance of Morpho and Steakhouse Financial directly impacts the service. However, Coinbase’s involvement provides a layer of institutional oversight and expertise that can help mitigate some of these risks. They conduct due diligence on the protocols used and aim to provide a secure environment. Users should always perform their own research and understand the dynamics of on-chain lending. Conclusion: A New Era for Stablecoin Holders The launch of Coinbase on-chain lending for USDC marks a significant milestone in the evolution of cryptocurrency services. By combining the accessibility and trust of a major exchange with the high-yield potential of decentralized finance, Coinbase is empowering users to generate passive income on their stablecoin holdings with unprecedented ease. This service not only simplifies participation in DeFi but also sets a new standard for how traditional crypto platforms can integrate innovative on-chain solutions. It’s an exciting development that could redefine how many engage with their digital assets, turning dormant stablecoins into powerful earning tools. Frequently Asked Questions (FAQs) 1. What is Coinbase on-chain lending? Coinbase on-chain lending is a new service that allows users to deposit USDC and earn yields of up to 10.8%. It connects user funds to various lending pools on the Base network, powered by DeFi protocols like Morpho and Steakhouse Financial. 2. How does the 10.8% yield work? When you deposit USDC, Coinbase creates a smart contract wallet that strategically allocates your funds to multiple lending pools to optimize returns, aiming for the highest possible yield, which can reach up to 10.8%. 3. What are the risks involved with Coinbase on-chain lending? Like all DeFi services, risks include potential smart contract vulnerabilities and market volatility affecting underlying assets. However, Coinbase’s institutional oversight and use of audited protocols aim to mitigate some of these risks. 4. Can I withdraw my funds from Coinbase on-chain lending at any time? Yes, one of the key benefits of this service is the flexibility it offers. Users can withdraw their deposited USDC and accrued yield at any time. 5. Which networks and protocols power this service? The service is powered by the Base network, developed by Coinbase, and utilizes decentralized finance protocols such as Morpho and Steakhouse Financial to manage lending pools and optimize yields. 6. Is Coinbase on-chain lending available to all users? Availability may vary based on jurisdiction and regulatory requirements. Users should check the Coinbase platform or their local regulations to confirm eligibility. Did you find this article insightful? Share it with your friends and colleagues on social media to help them discover the exciting opportunities with Coinbase on-chain lending! To learn more about the latest crypto lending trends, explore our article on key developments shaping decentralized finance institutional adoption. This post Coinbase On-Chain Lending: Unleash Impressive USDC Yields Up to 10.8% first appeared on BitcoinWorld.

Author: Coinstats

2025/09/19

Ripple, Franklin Templeton, And DBS Join Forces To Roll Out Tokenized Lending On XRP Ledger

Ripple, Franklin Templeton, And DBS Join Forces To Roll Out Tokenized Lending On XRP Ledger

Ripple has partnered with DBS Bank and Franklin Templeton to offer trading and lending solutions that leverage tokenized money market funds on the XRP Ledger.

Author: Coinstats

2025/09/19

Coinbase Launches USDC On-Chain Lending Service

Coinbase Launches USDC On-Chain Lending Service

PANews reported on September 18th that, according to the Coinbase blog, Coinbase has launched an on-chain USDC lending service. Users can borrow USDC on the Base chain through the Morpho and Steakhouse Financial protocols, with current annualized returns up to 10.8% . Funds will be linked to the Morpho protocol from the Coinbase smart contract wallet and allocated by Steakhouse Financial to different markets to optimize returns. Users can withdraw funds at any time. This service is currently available in the United States (excluding New York State), Bermuda, and some other countries.

Author: PANews

2025/09/19

Bitwise Predicts Surge in Crypto Credit & Borrowing

Bitwise Predicts Surge in Crypto Credit & Borrowing

The post Bitwise Predicts Surge in Crypto Credit & Borrowing appeared on BitcoinEthereumNews.com. Key Notes Bitwise CEO predicts crypto credit markets will expand dramatically within a year. On-chain lending protocols are already seeing double-digit growth. Tokenized credit products and real-world asset loans are also emerging sectors. Bitwise Asset Management chief executive Hunter Horsley believes the crypto industry’s next explosive sector will be borrowing and credit. In a recent post on X, Horsley said that within six to twelve months, this sector will be “the big story,” adding that the trend will grow over the next several years. He highlighted two forces driving this growth. First, with nearly $4 trillion in crypto assets already circulating, investors will increasingly choose to borrow against their holdings instead of selling them. Second is the fast-growing tokenization sector. According to Horsley, as trillions of dollars’ worth of stocks and other traditional assets become tokenized, small investors will be able to borrow against their assets directly on-chain for the first time. 6-12 months from now, the big story in crypto is going to be credit and borrowing. It will explosively grow over the next few years. Two vectors: 1. There’s nearly $4 trillion dollars of crypto and growing: when people can borrow against this crypto, rather than sell, they… — Hunter Horsley (@HHorsley) September 18, 2025 Horsley concluded that the crypto borrowing and credit sector “is just getting started” and will fundamentally reshape global capital markets. DeFi Lending Sector Booms Horsley’s prediction comes amid recent growth across decentralized finance. According to industry data, the total crypto lending market was about $36.5 billion in late 2024, rebounding sharply from the downturn that followed the 2021 peak. Open on-chain borrowing surged 959% since late 2022, reaching $19.1 billion by the end of last year. Aave AAVE $309.1 24h volatility: 5.2% Market cap: $4.71 B Vol. 24h: $492.89 M remains the leader,…

Author: BitcoinEthereumNews

2025/09/19

Pundit Shares ‘XRP Endgame’: What To Watch Out For With Ripple

Pundit Shares ‘XRP Endgame’: What To Watch Out For With Ripple

Crypto pundit Pumpius is drawing attention to what he calls the “XRP Endgame,” saying all the key pieces are falling into place for Ripple and its token. According to him, these shifts put XRP in a rare position to rise above other digital assets. Global rules and banking standards are also moving in Ripple’s favor at the same time. Pundit: Institutional Rails And Legal Clarity Cement XRP’s Role Pumpius stresses that Ripple’s victory in its long fight with the SEC is not just a legal win but a turning point. After years in court, XRP now has the strongest legal clarity of any cryptocurrency in the U.S.  Related Reading: Market Expert Says XRP Price At $1,000 Will Happen, But The Timeline Is Different He also points to Ripple’s launch of RLUSD, its enterprise stablecoin backed by reserves at BNY Mellon. Pumpius notes that this connection matters because BNY Mellon safeguards trillions in assets for global giants, including BlackRock and the U.S. Treasury. Tying a stablecoin to XRP’s payment rails creates what he calls a “stable reserve army” that strengthens trust in Ripple’s network. On the banking front, Pumpius explains that Ripple is not only licensed as a money service business but has also applied for the highly difficult New York banking charter. He adds that Ripple has taken it a step further by applying for a Federal Reserve master account, the highest privilege in the U.S. banking system. If granted, Ripple would not just compete with banks but effectively act as one, placing XRP at the center of financial settlements. XRP ETFs, Ripple’s Global Standards, And Tech Drive Convergence Pumpius notes that nearly 20 XRP spot ETFs are awaiting approval. If greenlit, these funds could open the doors to trillions of dollars from institutional investors and push XRP into the ranks of Wall Street assets overnight. Another major shift is the migration to ISO 20022, a global messaging standard that all major banks must adhere to by November. Pumpius points out that XRP has been ready for this for years, meaning RippleNet can easily connect with traditional banking rails the moment the change takes effect. Related Reading: Crypto Analyst Debunks XRP Price To $10,000 Claims, Reveals How High It Can Go Additionally, he notes that XRP is in the liquidity tokenization plan of DTCC, the world’s largest settlement utility. At the same time, he notes that the DNA Protocol is quietly developing biometric and genomic identity tools on the XRP Ledger. This step could solve Know Your Customer checks at the deepest level, blending finance and digital identity in a way no other blockchain has achieved. Ripple benefits as he notes the rise of a supportive political environment. A pro-crypto administration is pushing laws that fit Ripple’s long-term playbook. With regulators and policymakers leaning in the same direction, he believes the stage is set for XRP to move into its endgame. Featured image from DALL.E, chart from TradingView.com

Author: NewsBTC

2025/09/19

Forward Industries Bets Big on Solana: SOL’s Latest Moves Signal a Breakout Rally to $300+

Forward Industries Bets Big on Solana: SOL’s Latest Moves Signal a Breakout Rally to $300+

Remittix (RTX) enters the picture as a token that, while smaller, is laying down foundations such as security, community incentives, upcoming wallet beta, and CEX listings that may contrast sharply with SOL’s institutional momentum. Comparing both helps highlight what makes Remittix attractive at this moment.

Author: Cryptodaily

2025/09/18

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