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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.

16357 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Ripple May Be Forced to Sell 25% of XRP—Who Will Buy?

Ripple May Be Forced to Sell 25% of XRP—Who Will Buy?

The post Ripple May Be Forced to Sell 25% of XRP—Who Will Buy? appeared on BitcoinEthereumNews.com. XRP trades around $2.04 and remains under pressure after weeks of volatile sentiment, marking a drop of 7.5% in the last 7 days and 9% in the last 30 days. The token dropped through parts of the last month, yet the network prepares for a technical shift that may shape long-term adoption. Smart Escrows now enter the ecosystem, and the upgrade unlocks programmable conditions inside the XRP Ledger’s native escrow system. Vet, a well-known XRPL validator, shared the development on X. His update revealed a major step that turns basic escrows into programmable tools. The feature introduces on-ledger logic that evaluates preset conditions before funds move. This logic gives users a simple form of automation without a heavy smart-contract layer. The Smart Escrow model stores a compact program inside each escrow object. The program checks conditions in real time and decides whether funds should release or return. Users no longer rely on outside systems to manage those conditions. XRPL keeps its fast settlement design while gaining expressive power. How the New Conditional Logic Works The embedded logic checks on-chain data or oracle feeds during each evaluation. The process stays lightweight so the ledger maintains speed. Developers can automate basic agreements without building external apps or custom verification layers. The design fits XRPL’s performance standards. Smart Escrows run programs that verify rules with minimal friction. A business can enforce milestones. A lender can trigger collateral release. A user can lock XRP until market prices meet the target. Each flow executes through rules set at creation. Oracle Inputs Shape Real-World Use Cases Oracles supply data such as exchange rates, delivery confirmations, or compliance checks. Smart Escrows use those inputs to determine outcomes. A price-based escrow triggers settlement when XRP hits the target. A vendor contract completes payment after an oracle confirms delivery.…

Author: BitcoinEthereumNews

2025/12/07

PIPPIN Memecoin Rallies 59% Amid Whale Accumulation and Rising Retail Volume

PIPPIN Memecoin Rallies 59% Amid Whale Accumulation and Rising Retail Volume

The post PIPPIN Memecoin Rallies 59% Amid Whale Accumulation and Rising Retail Volume appeared on BitcoinEthereumNews.com. PIPPIN memecoin has surged 59% in the past day, reaching a market cap of $233.53 million from a recent low of $22 million, driven by whale accumulation and rising retail interest in the memecoin sector. PIPPIN’s rally breaks long-term resistance, signaling a strong recovery in mid-cap memecoins. Whale wallets accumulated $19 million, coordinating buys via centralized exchanges. Trading volume exceeded $49 million, with open interest up 38%, indicating sustained momentum. PIPPIN memecoin surges 59% amid whale buys: Explore the rally’s drivers, on-chain signals, and what it means for memecoin investors seeking the next big opportunity. What is driving the PIPPIN memecoin’s 59% price rally? PIPPIN memecoin has experienced a remarkable 59% price increase over the past 24 hours, propelled by renewed trader interest in mid-cap memecoins following weeks of subdued activity. At press time, its market capitalization stands at $233.53 million, a 33% jump from a November 21 low near $22 million, as it decisively breaks through prior resistance levels with consistent upward momentum. This surge reflects a broader rotation into memecoins, positioning PIPPIN as a standout performer in the sector’s recovery. Technical indicators on daily charts underscore this shift, with the token reclaiming key long-term resistance zones not tested since earlier in 2025. Momentum candles are extending into higher territories, lending credibility to the rally’s potential for continuation. Traders monitoring these patterns note that such breakouts often precede extended uptrends in volatile assets like memecoins. Source: TradingView How are whale activities influencing PIPPIN’s on-chain dynamics? Data from BubbleMaps reveals coordinated whale accumulation, with 50 connected wallets purchasing $19 million worth of PIPPIN in synchronized transactions funded by HTX exchange. These addresses, showing minimal prior activity, suggest a deliberate strategy by large holders to build positions quietly. This influx aligns with a broader pattern where 26 addresses withdrew 44% of…

Author: BitcoinEthereumNews

2025/12/07

European SEC Proposal Sparks Licensing Worries & Institutional Goals

European SEC Proposal Sparks Licensing Worries & Institutional Goals

European Commission Proposes Expanded Powers for ESMA, Sparking Industry Concerns The European Commission has unveiled a proposal to broaden the authority of the European Securities and Markets Authority (ESMA), aiming to integrate oversight of key market infrastructure. While intended to enhance regulatory cohesion, industry stakeholders express apprehensions about potential centralization and its implications for blockchain [...]

Author: Crypto Breaking News

2025/12/07

Solana Price Prediction: Bulls Aim to Regain Control as Mutuum Finance (MUTM) at $0.035 Dominates DeFi with $1 Target

Solana Price Prediction: Bulls Aim to Regain Control as Mutuum Finance (MUTM) at $0.035 Dominates DeFi with $1 Target

The post Solana Price Prediction: Bulls Aim to Regain Control as Mutuum Finance (MUTM) at $0.035 Dominates DeFi with $1 Target appeared on BitcoinEthereumNews.com. Solana (SOL) remains in the limelight as the bulls attempt to take charge again amidst recent volatility in the market. Observers are closely watching if the altcoin would be able to reclaim key levels of support and resistance in order to fuel the next surge. Despite the excellent SOL ecosystem and layer-1 functionality, Solana faces stiff competition from up-and-coming projects that are acquiring adoption in the early stages. Among these up-and-coming projects emerges Mutuum Finance (MUTM) with a current price of $0.035 and poised to quickly become one of the giants in the world of DeFi cryptos. The project’s lending/borrowing platform coupled with the tokens’ interest rate and reward structure has spurred significant interest in the presales, currently in Phase 6 and nearing complete sell-out with over 18,300 investors participating and collectively contributing more than $19.15 million. Experts are now referring to Mutuum Finance as the next big crypto in the market with the target of reaching $1. This will make Mutuum Finance one of the best opportunities in DeFi. Solana Eyes Key Monthly Demand Zone as Bulls Attempt to Reclaim Momentum Solana’s (SOL) current level is testing a critical demand area at the bottom of the rising trend channel. This area has been a significant point in the past that has marked possible reversals in favor of the bulls. Holding this area may open doors towards $262.62 or $315.43, and only one candle can be sufficient in changing the trend in favor of the bulls. This stage of market expectation and selective investment attention draws more attention towards new projects with effective early adoption and working DeFi use cases in the market, hence paving the way for awareness towards Mutuum Finance (MUTM). Mutuum Finance Presale Increases Momentum Mutuum Finance remains in the limelight in the entire crypto industry with…

Author: BitcoinEthereumNews

2025/12/07

‘European SEC’ Proposal Licensing Concerns, Institutional Ambitions

‘European SEC’ Proposal Licensing Concerns, Institutional Ambitions

The post ‘European SEC’ Proposal Licensing Concerns, Institutional Ambitions appeared on BitcoinEthereumNews.com. The European Commission’s proposal to expand the powers of the European Securities and Markets Authority (ESMA) is raising concerns about the centralization of the bloc’s licensing regime, despite signaling deeper institutional ambitions for its capital markets structure. On Thursday, the Commission published a package proposing to “direct supervisory competences” for key pieces of market infrastructure, including crypto-asset service providers (CASPs), trading venues and central counterparties to ESMA, Cointelegraph reported. Concerningly, the ESMA’s jurisdiction would extend to both the supervision and licensing of all European crypto and financial technology (fintech) firms, potentially leading to slower licensing regimes and hindering startup development, according to Faustine Fleuret, head of public affairs at decentralized lending protocol Morpho. “I am even more concerned that the proposal makes ESMA responsible for both the authorisation and the supervision of CASPs, not only the supervision,” she told Cointelegraph. The proposal still requires approval from the European Parliament and the Council, which are currently under negotiation.  If adopted, ESMA’s role in overseeing EU capital markets would more closely resemble the centralized framework of the US Securities and Exchange Commission, a concept first proposed by European Central Bank (ECB) President Christine Lagarde in 2023. Related: Bank of America backs 1%–4% crypto allocation, opens door to Bitcoin ETFs EU plan to centralize licensing under ESMA creates crypto and fintech slowdown concerns The proposal to “centralize” this oversight under a single regulatory body seeks to address the differences in national supervisory practices and uneven licensing regimes, but risks slowing down overall crypto industry development, Elisenda Fabrega, general counsel at Brickken asset tokenization platform, told Cointelegraph. “Without adequate resources, this mandate may become unmanageable, leading to delays or overly cautious assessments that could disproportionately affect smaller or innovative firms.” “Ultimately, the effectiveness of this reform will depend less on its legal form and…

Author: BitcoinEthereumNews

2025/12/07

Citadel pushes SEC to classify open-source developers as unregistered stockbrokers

Citadel pushes SEC to classify open-source developers as unregistered stockbrokers

The post Citadel pushes SEC to classify open-source developers as unregistered stockbrokers appeared on BitcoinEthereumNews.com. On Dec. 2, Citadel Securities filed a 13-page letter with the SEC arguing that decentralized protocols facilitating tokenized US equity trading already meet statutory definitions of exchanges and broker-dealers, and regulators should treat them accordingly. Two days later, the SEC’s Investor Advisory Committee convened a panel on tokenized equities that made clear the question is no longer whether stocks can move on-chain, but whether they can do so without dismantling the permissionless architecture that built DeFi. The gap between those two positions now defines the most consequential regulatory fight in crypto since the Howey test debates. Citadel’s letter arrived at the moment when tokenized equities stopped being a thought experiment. The firm welcomes tokenization in principle but insists that realizing its benefits requires applying “the key bedrock principles and investor protections that underpin the fairness, efficiency, and resiliency of US equity markets.” In other words, the document suggests that companies seeking to trade tokenized Apple shares must comply with Nasdaq rules, including transparent fees, consolidated tape reporting, market surveillance, fair access, and registration as an exchange or broker-dealer. The filing warns that granting broad exemptive relief to DeFi platforms creates a shadow US equity market in which liquidity fragments, retail investors lose Exchange Act protections, and incumbents face regulatory arbitrage from unregistered competitors. Within hours, Uniswap founder Hayden Adams fired back on X, calling Citadel’s position an attempt to “treat software developers of decentralized protocols like centralized intermediaries.” He invoked ConstitutionDAO, the 2021 crowdfunding effort that pooled $47 million in Ethereum to bid on a first-edition Constitution at Sotheby’s, only to lose to Griffin’s $43.2 million bid. Additionally, Adams zeroed in on Citadel’s fair-access argument, calling it “actual nerve” from the dominant player in retail order flow. The exchange captured crypto’s core narrative of permissionless code versus gatekeeper control and…

Author: BitcoinEthereumNews

2025/12/07

Citadel pushes SEC to classify open-source developers as unregistered stockbrokers – Uniswap fires back

Citadel pushes SEC to classify open-source developers as unregistered stockbrokers – Uniswap fires back

On Dec. 2, Citadel Securities filed a 13-page letter with the SEC arguing that decentralized protocols facilitating tokenized US equity trading already meet statutory definitions of exchanges and broker-dealers, and regulators should treat them accordingly. Two days later, the SEC’s Investor Advisory Committee convened a panel on tokenized equities that made clear the question is […] The post Citadel pushes SEC to classify open-source developers as unregistered stockbrokers – Uniswap fires back appeared first on CryptoSlate.

Author: CryptoSlate

2025/12/07

EU ESMA Expansion Proposal May Slow Crypto and Fintech Licensing

EU ESMA Expansion Proposal May Slow Crypto and Fintech Licensing

The post EU ESMA Expansion Proposal May Slow Crypto and Fintech Licensing appeared on BitcoinEthereumNews.com. The European Commission’s proposal to expand ESMA’s powers into a “European SEC” raises concerns over slower crypto licensing and fintech growth in the EU, potentially centralizing oversight and delaying approvals for innovative firms. ESMA’s expanded role could unify EU crypto supervision but risks bureaucratic delays. The shift centralizes licensing for crypto-asset service providers (CASPs) under one body. Experts warn of impacts on startups, with EU markets lagging behind the US at just 9% of global equity value. EU ESMA expansion sparks crypto licensing fears: Will centralizing powers slow fintech innovation? Discover expert insights on regulatory shifts affecting Europe’s digital asset sector. Stay informed on MiCA impacts. What is the EU’s Proposal to Transform ESMA into a European SEC? EU ESMA expansion involves the European Commission’s plan to grant the European Securities and Markets Authority (ESMA) direct supervisory and licensing authority over crypto-asset service providers (CASPs), trading venues, and central counterparties. This aims to harmonize the bloc’s capital markets but has sparked worries about over-centralization. Legal experts highlight potential bottlenecks in approving new crypto and fintech ventures, mirroring the U.S. Securities and Exchange Commission’s structure, as first suggested by ECB President Christine Lagarde in 2023. The initiative, published by the Commission on Thursday, seeks to address fragmented national regulations under the Markets in Crypto-Assets (MiCA) framework. By consolidating powers, ESMA would oversee both authorization and ongoing supervision of firms, a move intended to boost competitiveness against the dominant U.S. markets. However, this could introduce longer processing times for licenses, affecting the pace of innovation in Europe’s burgeoning crypto sector. How Will ESMA’s Centralized Licensing Affect Crypto and Fintech Firms? The proposal extends ESMA’s jurisdiction to all European crypto and financial technology (fintech) entities, potentially leading to a more uniform but slower licensing process. Faustine Fleuret, head of public affairs at decentralized…

Author: BitcoinEthereumNews

2025/12/07

Nieuwe speler in crypto banking: Monet Bank uit Texas

Nieuwe speler in crypto banking: Monet Bank uit Texas

De kleine Monet Bank uit Texas trekt plots de aandacht van de crypto industrie. De bank, die tot voor kort vrijwel onbekend was buiten de regio, kondigt aan dat het zich volledig gaat richten op crypto lending en digitale assets. Het wil een infrastructuurbank worden voor de nieuwe digitale economie.... Het bericht Nieuwe speler in crypto banking: Monet Bank uit Texas verscheen het eerst op Blockchain Stories.

Author: Coinstats

2025/12/07

Missed BNB Gains? MoonBull Ignites as the popular crypto offers a Second Chance

Missed BNB Gains? MoonBull Ignites as the popular crypto offers a Second Chance

Have you ever considered what could have happened if you got in on BNB’s earliest days? Back in 2017, BNB’s ICO price was only $0.10 per token. Early believers who recognized its potential turned modest investments into extraordinary returns, riding BNB to over $600 at its peak, demonstrating the life-changing possibilities of acting fast in crypto. Now, the excitement around MoonBull is mounting as the popular crypto presents a fresh opportunity for investors who missed past moonshots.  With the $MOBU presale underway, enthusiasts can experience a similar journey from early adoption to massive gains. The current presale stage already shows incredible promise, urging crypto followers to act swiftly before this chance closes. MoonBull’s momentum is undeniable, combining community-driven growth and scarcity mechanics that could replicate the explosive success of BNB, making this presale a scarce moment. Here’s Why MoonBull Ignites as a Popular Crypto MoonBull ignites as the popular crypto with a total supply of 73.2 billion tokens, reflecting careful market research and industry best practices to ensure fair access, robust stability, and shared rewards. Half of these tokens drive a 23-stage presale that rewards early believers, while strategic lock-ups and auto-liquidity mechanisms protect against volatility. Reflection rewards, targeted burns, and a generous referral pool compound value from every transaction and invite. The current presale is at stage 6, priced at $0.00008388, with a tally exceeding $640K.  Missed BNB Gains? MoonBull Ignites as the popular crypto offers a Second Chance 4 Investing $200 now secures 2,384,358.61 $MOBU tokens, which could be worth $14,687.65 at listing. Allocation includes 50% presale (36.6 billion SMOBU), 10% liquidity (7.32 billion SMOBU) locked for two years, 20% staking (14.64 billion SMOBU) powering 95% APY for two months, 11% referral (8.05 billion SMOBU) for 15%-bonus growth, 5% community incentive and burn (3.66 billion SMOBU), 2% influencers (1.46 billion SMOBU) for three months, and 2% team (1.46 billion SMOBU) locked for 18 months. Excess tokens will be burned to ensure scarcity, with proceeds supporting liquidity, marketing, and operations. Every feature of MoonBull ignites as a popular crypto, blending a presale opportunity with sustainable growth, making $MOBU a once-in-a-lifetime investment opportunity. How BNB Transformed Crypto: From ICO to Icon BNB’s journey started with a modest ICO price of $0.10, and its value soared due to Binance’s strategic exchanges and token utility. Early investors who committed small amounts witnessed exponential gains, demonstrating how vision and timing can reshape financial futures. BNB quickly became a benchmark for successful ICOs, highlighting the importance of recognizing potential early. Its rise also exemplified the power of ecosystem integration, with Binance’s innovative trading features boosting BNB’s use and demand. Comparing Early Success Stories: BNB and MoonBull BNB’s explosive growth set a standard for what early adopters can achieve. Now, MoonBull offers a similar high-stakes opportunity. While BNB rewarded early believers with massive gains, $MOBU presale presents a second chance for investors to join a well-planned, scarcity-driven token with strong community engagement. With MoonBull ignites as the popular crypto, its structured presale, reflection rewards, and targeted burns create a momentum reminiscent of BNB’s legendary ascent. Those who enter early could see a comparable trajectory, transforming a small initial investment into substantial potential profit, marking MoonBull as a must-watch opportunity in today’s crypto market. Missed BNB Gains? MoonBull Ignites as the popular crypto offers a Second Chance 5 Conclusion: Why MoonBull ignites as the Popular Crypto For investors who missed BNB’s early gains, MoonBull ignites as the popular crypto and presents a rare chance to enter a presale with explosive potential. The current stage 6 price of $0.00008388 and projected listing gains make the $MOBU presale irresistible for early believers. Its carefully designed tokenomics, scarcity-driven stages, staking rewards, and referral bonuses ensure sustainable growth while maximizing profit potential. This presale merges professional execution with community-driven excitement, offering both a safe entry and the thrill of early adoption. Time is limited, and each stage brings higher demand and rising prices. Don’t miss your second chance to be part of a high-potential crypto journey. The MoonBull presale is live, and opportunities like this are fleeting. Act now and secure your $MOBU tokens before the market moves. Missed BNB Gains? MoonBull Ignites as the popular crypto offers a Second Chance 6 For More Information: Website: Visit the Official MOBU Website  Telegram: Join the MOBU Telegram Channel Twitter: Follow MOBU ON X (Formerly Twitter) FAQs about the Popular Crypto Which is the best crypto to buy now? MoonBull is the best crypto to buy now due to its structured presale, scarcity-driven stages, and projected high returns. Early investment can secure substantial $MOBU tokens at low entry prices, ensuring both short-term excitement and long-term growth potential. What are the top meme coins to buy now? Among meme coins to buy now, MoonBull stands out with over $640K presale tally and structured rewards. Its tokenomics, referral bonuses, and scarcity features make $MOBU an attractive option for both collectors and early adopters seeking explosive returns. Which is the next 1000x crypto? MoonBull has strong potential as the next 1000x crypto due to its 23-stage presale, reflection rewards, and token scarcity. The current $MOBU presale price of $0.00008388 provides a rare opportunity to invest early and maximize exponential growth. What is the next crypto to hit $1 in 2025? MoonBull is positioned as the next crypto to hit $1 in 2025 with structured tokenomics, community voting, and scarcity-driven presale. Early buyers can leverage current-stage pricing to accumulate $MOBU tokens, potentially experiencing exponential growth through listing and beyond. Which is the best crypto in 2025? MoonBull is likely the best crypto in 2025 for early investors. Its presale design, a total supply of 73.2 billion, staking rewards, and referral incentives provide both security and high growth potential, making $MOBU a top choice in the current market. Glossary of Key Terms Presale: Early-stage token sale before public listing, often at lower prices. Tokenomics: Economic structure of a cryptocurrency, including supply, allocation, and incentives. Staking: Locking tokens to earn rewards or APY over time. Reflection Rewards: Tokens automatically distributed to holders from every transaction. Liquidity: Availability of assets to buy or sell without price disruption. Referral Program: Bonus tokens for inviting new participants. Burn: Permanent removal of tokens from circulation to reduce supply. Scarcity: Limited supply of tokens to increase value. Governance: Community-driven voting to influence project decisions. $MOBU: MoonBull’s official token, used for presale, staking, and community rewards. Summary MoonBull ignites as the popular crypto, offering a second chance for investors who missed BNB’s early gains. Its $MOBU presale includes structured scarcity, staking rewards, referral bonuses, and reflection rewards, ensuring professional execution and explosive growth potential for early believers. Disclaimer This article is for informational purposes only and does not constitute financial advice. Cryptocurrency investment carries high risk. Conduct independent research before investing. Read More: Missed BNB Gains? MoonBull Ignites as the popular crypto offers a Second Chance">Missed BNB Gains? MoonBull Ignites as the popular crypto offers a Second Chance

Author: Coinstats

2025/12/07

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