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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.

13963 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Is the era of machine collateralization upon us? Understanding how USD.AI is financializing GPUs

Is the era of machine collateralization upon us? Understanding how USD.AI is financializing GPUs

This year, with the popularization of the RWA concept and the growth of the stablecoin market, the number of related projects has increased rapidly. Last week, the stablecoin protocol USD.AI

Author: PANews

2025/08/19

2 Best Cryptos to Buy as Market Volume Erupts in August 2025

2 Best Cryptos to Buy as Market Volume Erupts in August 2025

The post 2 Best Cryptos to Buy as Market Volume Erupts in August 2025 appeared on BitcoinEthereumNews.com. While crypto markets have been binging in August 2025, investors have been buying heavily into projects that present incredible growth opportunities. Amid rising investor activity, Mutuum Finance (MUTM) and Solana (SOL) have taken the spotlight. Mutuum Finance (MUTM) is priced at $0.035 in stage 6 of its presale.  The project’s early investors are set to make a minimum of 400% ROI when MUTM is listed in the public market. Mutuum Finance has already broken over $14.6 million in raised funds and has more than 15400 token buyers. Despite Solana (SOL) remaining stable in the market and investor interest, investors remain interested in MUTM this August. Solana (SOL) Holds Steady around $193 Solana (SOL) is priced around $192.49, up a 5.36% rise in the last24 hours. SOL has had a rollercoaster ride the last week, between a low of $175.05 and a high of $201.82. Despite recent turbulence, Solana has a solid foundation in the crypto world and is now one of the best-performing presale projects. Its robust ecosystem keeps attracting developers and users, forcing it to remain in the game. Mutuum Finance Reaches Presale Stage 6 transition Mutuum Finance is selling well during presale. The project is at $0.035 as stage 6 goes on. Mutuum Finance is revolutionizing the DeFi future with a platform that possesses real-world real-use cases. Presale has managed to acquire over 15400 token holders with over $14.6 million influx. $100K Worth of Tokens to Be Won Mutuum Finance also offers a $100,000 giveaway. 10 individuals will be lucky enough to get a Mutuum Finance prize of $10,000. The contest is only one of the indicators that the project does value having a long-term and a faithful community. And another step towards transparency and security, MUTM Finance (MUTM) has introduced an Official Bug Bounty Program in collaboration…

Author: BitcoinEthereumNews

2025/08/19

Stable Mass Adoption: Unlocking Revolutionary Gas-Free USDT for Everyone

Stable Mass Adoption: Unlocking Revolutionary Gas-Free USDT for Everyone

BitcoinWorld Stable Mass Adoption: Unlocking Revolutionary Gas-Free USDT for Everyone Imagine a world where sending cryptocurrency is as simple and cost-free as sending a text message. This vision is at the heart of Stable, a groundbreaking Layer-1 blockchain, as detailed in a recent report by Asia-based Web3 research firm Tiger Research. Stable is setting its sights on achieving true Stable mass adoption by tackling the biggest hurdles in crypto: fees, latency, and complexity. What Makes Stable a Game-Changer for Stable Mass Adoption? For too long, high transaction fees and slow processing times have kept many potential users away from blockchain technology. Stable addresses these pain points head-on with a bold, user-centric approach. Gas-Free P2P Transfers: Say goodbye to unpredictable gas fees. Stable enables peer-to-peer transfers without any transaction costs, making micro-transactions and everyday use genuinely feasible. Sub-Second Settlement: Waiting minutes or even hours for transactions to confirm is a thing of the past. Stable promises near-instant settlement, rivaling traditional payment systems. Simplified User Experience (UX): The platform aims to demystify crypto for the average person. Its simplified interface removes technical jargon and complex steps, ensuring anyone can use it with ease. This focus on simplicity and efficiency is crucial for driving widespread Stable mass adoption, particularly for those new to the crypto space. How Does Stable Plan to Achieve Widespread Adoption? Stable’s strategy is both ambitious and pragmatic. It begins by offering an irresistible incentive: free, seamless transfers. This initial seeding aims to build a large user base quickly. As the network grows, Stable plans to expand its utility significantly. This phased approach ensures sustainable growth and deeper integration into daily life. Expanding into Payments: Once users are comfortable with free transfers, Stable will facilitate everyday payments, from online purchases to in-store transactions. DeFi Services Integration: The platform intends to support decentralized finance (DeFi) applications, offering users access to lending, borrowing, and other financial services without the usual high costs. Institutional Partnerships: Collaborating with businesses and financial institutions will further legitimize and scale Stable’s offerings, bringing enterprise-level adoption. This comprehensive strategy is designed to pave the way for true Stable mass adoption, transforming how people interact with digital money. The Unrivaled Benefits of a Gas-Free USDT Chain A blockchain dedicated to USDT and free from gas fees offers compelling advantages. USDT, as the largest stablecoin by market capitalization, provides stability and widespread acceptance, making it an ideal candidate for mass use. Consider the benefits: Cost Efficiency: Eliminating gas fees means more of your money stays yours. This is particularly impactful for small transactions. Enhanced Accessibility: Lower barriers to entry mean more people can participate in the digital economy, regardless of their financial background. Superior User Experience: Fast, free, and simple transactions make crypto feel less like a complex financial tool and more like an everyday utility. Ultimately, these features combine to create a compelling proposition for Stable mass adoption, potentially reshaping the future of digital payments. Navigating the Road Ahead for Stable Mass Adoption While Stable presents an exciting future, the path to widespread adoption is never without its challenges. Educating new users about blockchain technology, even a simplified one, remains vital. Regulatory clarity and fostering trust within a rapidly evolving industry are also ongoing considerations. However, Stable’s clear focus on solving core user pain points — fees, speed, and complexity — positions it strongly. By prioritizing a seamless experience and leveraging the familiarity of USDT, Stable aims to overcome these hurdles and truly democratize access to digital assets. The vision is clear: a world where crypto is not just for the tech-savvy, but for everyone. In conclusion, Stable’s innovative approach, highlighted by Tiger Research, offers a compelling blueprint for driving Stable mass adoption. By focusing on a gas-free, USDT-only Layer-1 with sub-second settlements and a simplified UX, Stable is poised to unlock a new era of accessibility and utility for digital currencies. This could indeed be the future of everyday crypto transactions. Frequently Asked Questions (FAQs) Q1: What is Stable’s primary goal?A1: Stable’s primary goal is to achieve mass adoption of its USDT-focused Layer-1 blockchain by eliminating transaction fees, reducing latency, and simplifying the user experience. Q2: How does Stable eliminate gas fees?A2: Stable is designed as a gas-free chain, meaning users do not pay network fees for peer-to-peer transfers, making transactions cost-efficient and accessible. Q3: Why does Stable focus only on USDT?A3: By focusing solely on USDT, Stable leverages the stablecoin’s widespread adoption and stability, creating a dedicated, optimized environment for fast, free, and reliable transfers of the most popular stablecoin. Q4: What services will Stable offer beyond P2P transfers?A4: After seeding adoption with free P2P transfers, Stable plans to expand into broader payment solutions, decentralized finance (DeFi) services, and strategic institutional partnerships. Q5: What makes Stable’s user experience simple?A5: Stable focuses on a simplified user interface (UX) that removes technical complexities and jargon, making it intuitive and easy for anyone to use, regardless of their prior crypto knowledge. If you found this article insightful, consider sharing it with your network! Let’s spread the word about the potential for Stable mass adoption and a future of gas-free crypto. To learn more about the latest crypto market trends, explore our article on key developments shaping blockchain innovation and future adoption. This post Stable Mass Adoption: Unlocking Revolutionary Gas-Free USDT for Everyone first appeared on BitcoinWorld and is written by Editorial Team

Author: Coinstats

2025/08/19

Best crypto presales: Bitcoin Penguins grab eyeballs as ETH sees increased ETP inflows

Best crypto presales: Bitcoin Penguins grab eyeballs as ETH sees increased ETP inflows

If Ethereum’s inflows are signalling the start of an altcoin boom, projects like Bitcoin Penguins may be the ones that ride the strongest tailwinds. With a $10 million hard cap and $3.7 million raised so far, BPENGU’s traction is undeniable. With less than 10 days remaining in its fixed 30-day presale, BPENGU is already gaining […] The post Best crypto presales: Bitcoin Penguins grab eyeballs as ETH sees increased ETP inflows appeared first on CoinJournal.

Author: Coin Journal

2025/08/19

Why Is Crypto Down Today? Bitcoin, Ethereum, XRP Updates

Why Is Crypto Down Today? Bitcoin, Ethereum, XRP Updates

The post Why Is Crypto Down Today? Bitcoin, Ethereum, XRP Updates appeared on BitcoinEthereumNews.com. South Korea has suspended all crypto lending services, citing borrower risk. The U.S. SEC delayed its decision on XRP ETFs until October 2025. Despite recent dips, analysts say Bitcoin and Ethereum could hit $600K and ETH $15.5K by 2026. The crypto market has been under pressure since last week, with Bitcoin dipping to $114K, Ethereum trading under $4,200, and XRP struggling to hold the $3 mark. That bearish sentiment is extending into today amid a mix of regulatory news and cautious positioning ahead of a key speech from the Federal Reserve. Bitcoin Sentiment Cools Ahead of Powell’s Speech Bitcoin futures sentiment has cooled after falling to 36% from a high of 70% earlier this month when the asset peaked at $124,400. At press time, Bitcoin trades near $115K, with short-term sellers still in control.  The market greed index is now at 53, a neutral position suggesting the market has shifted away from euphoria into a holding pattern. Investors are now waiting for U.S. Federal Reserve Chair Jerome Powell’s upcoming speech, which could set the tone for crypto amid surging hopes of a first rate cut since December 2024 by next month.  Despite a recent correction from its $124,450 peak to around $115,300, analysts believe Bitcoin is gearing up for a massive rally. Analyst AO has compared Bitcoin’s current pattern to gold’s 2006–2020 trajectory, suggesting a similar breakout could send BTC to $600,000 by 2026. AO’s chart shows Bitcoin consolidating in a wedge similar to gold before its explosive rise, implying a 421% surge is possible. If realized, Bitcoin’s market cap could reach $12 trillion, solidifying its status as “digital gold.” South Korea Cracks Down on Crypto Lending Adding to the bearish pressure, in Asia, South Korea’s Financial Services Commission has ordered local crypto exchanges to suspend all lending services. The…

Author: BitcoinEthereumNews

2025/08/19

South Korea Bans Crypto Lending: What It Means for Exchanges!

South Korea Bans Crypto Lending: What It Means for Exchanges!

South Korea has recently introduced new guidelines that put a stringent ban on cryptocurrency lending, signaling a significant shift in its regulatory stance towards the burgeoning digital asset sector. These measures, designed to protect investors and stabilize the financial market, address the growing concerns over the risks associated with crypto lending platforms. New Regulatory Framework [...]

Author: Crypto Breaking News

2025/08/19

XRP Holders Earn $6700 a Day Through Blockchain Cloud Mining

XRP Holders Earn $6700 a Day Through Blockchain Cloud Mining

BlockchainCloudMining launches low-barrier $XRP cloud mining with daily payouts, green energy focus, and contracts offering stable, sustainable income.

Author: Blockchainreporter

2025/08/19

Is Aave on the Verge of Cracking Under Its Own DeFi Power?

Is Aave on the Verge of Cracking Under Its Own DeFi Power?

The post Is Aave on the Verge of Cracking Under Its Own DeFi Power? appeared on BitcoinEthereumNews.com. Aave (AAVE), a leading non-custodial liquidity protocol, has established itself as a major player in the decentralized finance (DeFi) ecosystem, controlling approximately half of the DeFi lending market share.  However, as the crypto market remains euphoric amid the broader bull run in 2025, several concerns within Aave emerge that could have severe consequences for the overall market. The Risks Behind Aave’s DeFi Dominance and Market Control According to data from DefiLama, Aave’s Total Value Locked (TVL) stands at $36.73 billion. This accounts for nearly 50% of the total $75.98 billion TVL. Furthermore, the protocol’s TVL reached an all-time high of $40 billion last week. This dominant position makes Aave the ‘backbone’ of decentralized credit systems, enabling users to borrow and lend assets without intermediaries. Nonetheless, this central role also means that if Aave faces issues, it could trigger a ripple effect throughout the entire market. But what could go wrong? One critical concern is the concentration of influence within the protocol’s governance.  Previously, Sandeep Nailwal, Founder and CEO of Polygon Foundation, expressed concerns about the governance structure within Aave. He highlighted that the protocol is governed by one individual (Stani Kulechov, the founder). Nailwal noted that Kulechov has significant control over proposals and voting, effectively running the platform based on personal preferences. “He also threatens the remaining voters to vote as per his proposals (whom i spoke personally after after Polygon proposal). This is when he  already has a HUGE delegated voting power,” he wrote. The user base composition further amplifies Aave’s vulnerabilities. Data from Kaiko Research indicated a shift in 2025, with large users holding collateral exceeding $100,000, rising from 29% in 2023 to 37%. Meanwhile, small users with deposits under $1,000 declined from 15% to 12% over the past two years. “Users with over $100k in collateral grew…

Author: BitcoinEthereumNews

2025/08/19

PBOC sets USD/CNY reference rate at 7.1359 vs. 7.1322 previous

PBOC sets USD/CNY reference rate at 7.1359 vs. 7.1322 previous

The post PBOC sets USD/CNY reference rate at 7.1359 vs. 7.1322 previous appeared on BitcoinEthereumNews.com. The People’s Bank of China (PBOC) set the USD/CNY central rate for the trading session ahead on Tuesday at 7.1359 as compared to the previous day’s fix of 7.1322 and 7.1846 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-71359-vs-71322-previous-202508190115

Author: BitcoinEthereumNews

2025/08/19

China Merchants Bank Subsidiary Opens New Crypto Exchange in Hong Kong

China Merchants Bank Subsidiary Opens New Crypto Exchange in Hong Kong

In a significant move that underscores China’s growing interest in the cryptocurrency sector, China Merchants Bank International (CMBI) has partnered with Hex Trust, a fully licensed and insured provider of bank-grade custody for digital assets. This collaboration marks a notable development in the integration of traditional banking with the burgeoning field of digital finance, highlighting [...]

Author: Crypto Breaking News

2025/08/18

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