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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.

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Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
New Hampshire’s $100M Leap Into Crypto Finance

New Hampshire’s $100M Leap Into Crypto Finance

The post New Hampshire’s $100M Leap Into Crypto Finance appeared on BitcoinEthereumNews.com. Imagine a U.S. state using Bitcoin to secure a $100 million municipal bond—New Hampshire just made it a reality. This groundbreaking move marks a significant step in the adoption of cryptocurrency in public finance, capturing the attention of investors and policymakers alike. The approval of this Bitcoin-backed municipal bond could reshape how governments approach funding and risk management. What is a Bitcoin-backed municipal bond and why does it matter? A Bitcoin-backed municipal bond uses Bitcoin as collateral for government-issued debt. Essentially, New Hampshire guarantees the bond’s value with Bitcoin holdings, reducing risk for investors. This approach leverages cryptocurrency’s potential for high returns while introducing it into traditional financial systems. Therefore, it bridges the gap between innovative digital assets and conventional public financing. How does New Hampshire’s bond benefit the state and investors? This bond offers multiple advantages. For the state, it accesses new capital sources and potentially lower borrowing costs due to Bitcoin’s value. Investors gain exposure to cryptocurrency without direct ownership, diversifying their portfolios. Moreover, it enhances transparency through blockchain technology. Key benefits include: Diversified funding for public projects like infrastructure Increased investor confidence with state guarantees Innovation in public finance, setting a precedent for other states What challenges could arise from this Bitcoin-backed municipal bond? Despite its promise, this bond faces hurdles. Bitcoin’s price volatility poses a risk; if its value drops significantly, the collateral might not cover the bond’s worth. Regulatory uncertainty around cryptocurrency could also lead to legal complications. However, New Hampshire’s thorough planning includes safeguards like regular audits and reserve funds to mitigate these issues. How might other states follow New Hampshire’s example? If successful, this Bitcoin-backed municipal bond could inspire similar initiatives nationwide. States with progressive crypto regulations, like Wyoming or Texas, might adopt comparable models. This trend could accelerate cryptocurrency integration into mainstream…

Author: BitcoinEthereumNews

2025/11/19

This $0.035 New Crypto Coin Might Be the Next 30x Breakout Performer, Here’s Why

This $0.035 New Crypto Coin Might Be the Next 30x Breakout Performer, Here’s Why

The post This $0.035 New Crypto Coin Might Be the Next 30x Breakout Performer, Here’s Why appeared on BitcoinEthereumNews.com. More traders are silently maintaining an eye on a new crypto project that has slowly entered the market at $0.01 only. It is thought that it might become one of the next big crypto competitors as early as Q1 2026. The market is moving rapidly, and investors are seeking the most suitable crypto to purchase in the market at the moment that would still be able to grow. This is a promising new altcoin and at least at a fairly young age, there already might be a lot larger formation. Mutuum Finance (MUTM) Mutuum Finance (MUTM) is conducting one of the busiest emerging cryptocurrency presales in 2025. Interest has increased at a rapid rate because of its consistent improvement and high inflows. MUTM is currently set at a price of $0.035 and its project has already collected $18.7 million in its presale. Mutuum Finance currently has 18,000 holders, and 800 million of all tokens have been sold up to date. Phase 6 is already more than 88% allocated and the official launch price is fixed at $0.06. The initial presale of the project started at the beginning of 2025 with a price of $0.01, and it has increased by 250% since Phase 1. Given that the total supply of the tokens is 4 billion and the amount of presale is 45.5%, the demand has been good up to the current stage. The difference between the comprehensive price during the accompanied presale period and the anticipated launch price has contributed to growth as well. MUTM has become one of the most recommended cryptocurrencies to observe by many investors before the next market growth.  What Mutuum Finance Is Building Mutuum Finance is a DeFi crypto built on Ethereum and is interested in the lending market construction around two-fold lending. The idea is…

Author: BitcoinEthereumNews

2025/11/19

6% flexible deposit yield within reach: Can Aave App open up new market opportunities?

6% flexible deposit yield within reach: Can Aave App open up new market opportunities?

Author: KarenZ, Foresight News Between the traditional financial market with its low interest rates and the high barriers to entry in the crypto space, users have always lacked a middle ground product that is "low-barrier, high-yield, and highly convenient". Aave, the largest lending protocol on Web3, launched its mobile app, Aave App, on November 17. It is attempting to package the most mature on-chain lending market as an "internet bank" and put it into everyone's mobile phone, thus entering the consumer finance market. But the key question is whether this is a bridge to pushing DeFi toward Mass Adoption, or a risk migration game under the lure of high returns? Aave App's positioning: To transform the "on-chain money market" into a "savings application". Aave App's ambition is to allow ordinary users to easily enjoy DeFi-level returns without needing to understand blockchain. This mobile product, focusing on "high-yield savings," relies on the Aave lending protocol but breaks down barriers to participation for users both inside and outside the blockchain space with its extremely simplified user experience. Aave App's deposit methods cater to both users within and outside the crypto community, supporting connections to over 12,000 banks and debit cards, as well as deposits and withdrawals of various mainstream stablecoins (including GHO, USDT, and USDC). Users can deposit and withdraw at any time, with no minimum deposit requirements, no regular subscription fees, no asset management fees, and no deposit fees. Furthermore, Aave states that "users can earn a basic annualized return of 6% by depositing funds, while enjoying account balance protection of up to $1 million." In short, Aave App is not a bank, but it uses a familiar, bank-level user experience to create a "flexible deposit+" product that everyone can use, offering a 6% real-time floating yield on the blockchain. Currently, Aave App is still in the application waiting list stage. Return logic: What supports an annualized return of 6%-6.5%? Aave App currently claims savings rates of over 6% per annum, which is undoubtedly very attractive to investors seeking asset appreciation. The specific source of the interest rate is: Base Interest Rate: Aave App's revenue comes from user-deposited funds, which are invested in the Aave lending protocol, where the user earns interest as a lender. The Aave protocol requires borrowers to pledge assets with a value exceeding the loan amount, thus ensuring a high level of security for the revenue source. Second-level compounding : Unlike traditional accounts that offer "daily/monthly compounding," the Aave App supports second-level compounding, where every second's earnings are instantly added to the principal, maximizing asset growth efficiency. This seemingly small difference can produce significant differences in returns under the effect of time-based compounding. Increased interest rates : According to the Aave website, various value-added services will be launched in the future, such as inviting friends and setting up automatic deposits, which can earn a 0.5% increase in returns. It is important to note that the Aave App uses only Aave as its source of income. This interest rate is not fixed and will be adjusted slightly based on market lending demand, stablecoin supply and demand, etc., but the protocol promises that the base interest rate will never be negative to prevent users from losing their principal. Minimum deposit requirements: Supports fiat currency and stablecoin deposits and withdrawals; zero deposit fees; minimum deposit required. To achieve "Mass Adoption," the Aave App has made its "fees" and "access methods" extremely user-friendly in terms of barrier design: Zero fees : No account opening fee, no management fee, no deposit fee. Low minimum deposit : Traditional bank savings accounts often require a minimum deposit of 100 yuan or 100 US dollars, while Aave App supports a minimum deposit of 0.01 US dollars, allowing users to invest flexibly according to their own financial situation. Multiple deposit options : Supports direct deposit of fiat currency through 12,000 bank accounts and debit cards, as well as mainstream stablecoins such as GHO, USDT, and USDC. Withdraw funds at any time : A small network fee may be incurred when withdrawing stablecoins. Security: What are the account protection and safeguards in place? As a financial product, security is a core concern for users. Aave App constructs a security system with three layers: asset protection, account protection, and operational safeguards. Because the Aave protocol requires borrowers to pledge assets worth more than the loan amount, the security of the return source is relatively strong. Users' savings are effectively guaranteed by more than 100% of their value. Regarding account protection, Aave Labs repeatedly emphasizes on its website, App Store app description, and FAQ that each account can be protected up to $1 million. However, it's worth noting that Aave has not yet launched this insurance plan; the final terms, policy limits, and eligibility criteria will be disclosed upon launch. Users should fully understand the details before participating. Secondly, there's the biometric recovery mechanism. If a user forgets their password, they can choose to recover it using biometric methods such as facial recognition. In addition, the Aave App offers advanced security features such as two-step verification and a withdrawal whitelist. The withdrawal whitelist allows users to transfer funds only to pre-approved addresses, significantly reducing the risk of unauthorized transfers. Of course, Aave also listed some potential risks, including but not limited to loan risk, infrastructure risk and market risk. Aave's Ecosystem Layout and Strategic Acceleration The launch of the Aave App is not accidental, but a key move in the Aave ecosystem's transformation from "professional DeFi lending" to "mass-market financial products," backed by a series of intensive strategic deployments: Ave has a complete technology stack : it has built a complete service system covering "institutional products (Horizon), DeFi (Aave protocol), and consumer products (Stable and mobile applications)" to cover different user groups. Acquisition Strengthens Capabilities : On October 23, Aave Labs acquired Stable Finance, a San Francisco-based fintech company. Stable Finance developed a consumer-facing stablecoin savings app and simplifies the stablecoin savings process. Aave Labs founder Stani Kulechov stated at the time that this acquisition would further solidify its commitment to integrating on-chain finance into everyday finance (earning interest, lending, and saving). Compliance First : On November 13, Aave Labs announced that its subsidiary, Push Virtual Assets Ireland Limited, has obtained a Crypto Asset Service Provider (CASP) license from the Central Bank of Ireland under the European Union Crypto Asset Market Regulation (MiCAR). This license applies only to Push's fiat-to-stablecoin deposit and withdrawal services. summary The significance of the Aave App lies not only in the "6%" high return itself, but also in bringing the on-chain returns directly to consumers, while supporting fiat currency and stablecoins, and providing instant compound interest. From a product perspective, the launch of the Aave App essentially encapsulates Aave's DeFi technological advantages into a "savings tool" that ordinary users can understand. Users don't need to know technical terms like "smart contracts" or "lending"; they can simply operate it like a bank savings account to enjoy DeFi returns. The Aave App is not just a savings tool, but also a bridge connecting traditional finance and the crypto world. This "simplification" approach not only helps expand the user base of the Aave ecosystem but also has the potential to provide a reference model for "mass adoption" in the DeFi industry. Of course, while Aave App simplifies "savings," it also makes "risks" more hidden. Users may think they've simply switched to a higher-yield bank/savings app, but they're actually still standing on a treacherous path fraught with risks: smart contracts, over-collateralization, and corporate credit. If you're willing to view Aave as a middle layer that's "a little riskier than banks but a little lower than DeFi," then the Aave App is undoubtedly a Fintech product worth trying. However, if you consider the $1 million guarantee as "absolute security," history has repeatedly proven that high returns are never without cost.

Author: PANews

2025/11/19

Revolutionary Bitcoin-Backed Municipal Bond: New Hampshire’s $100M Leap into Crypto Finance

Revolutionary Bitcoin-Backed Municipal Bond: New Hampshire’s $100M Leap into Crypto Finance

BitcoinWorld Revolutionary Bitcoin-Backed Municipal Bond: New Hampshire’s $100M Leap into Crypto Finance Imagine a U.S. state using Bitcoin to secure a $100 million municipal bond—New Hampshire just made it a reality. This groundbreaking move marks a significant step in the adoption of cryptocurrency in public finance, capturing the attention of investors and policymakers alike. The approval of this Bitcoin-backed municipal bond could reshape how governments approach funding and risk management. What is a Bitcoin-backed municipal bond and why does it matter? A Bitcoin-backed municipal bond uses Bitcoin as collateral for government-issued debt. Essentially, New Hampshire guarantees the bond’s value with Bitcoin holdings, reducing risk for investors. This approach leverages cryptocurrency’s potential for high returns while introducing it into traditional financial systems. Therefore, it bridges the gap between innovative digital assets and conventional public financing. How does New Hampshire’s bond benefit the state and investors? This bond offers multiple advantages. For the state, it accesses new capital sources and potentially lower borrowing costs due to Bitcoin’s value. Investors gain exposure to cryptocurrency without direct ownership, diversifying their portfolios. Moreover, it enhances transparency through blockchain technology. Key benefits include: Diversified funding for public projects like infrastructure Increased investor confidence with state guarantees Innovation in public finance, setting a precedent for other states What challenges could arise from this Bitcoin-backed municipal bond? Despite its promise, this bond faces hurdles. Bitcoin’s price volatility poses a risk; if its value drops significantly, the collateral might not cover the bond’s worth. Regulatory uncertainty around cryptocurrency could also lead to legal complications. However, New Hampshire’s thorough planning includes safeguards like regular audits and reserve funds to mitigate these issues. How might other states follow New Hampshire’s example? If successful, this Bitcoin-backed municipal bond could inspire similar initiatives nationwide. States with progressive crypto regulations, like Wyoming or Texas, might adopt comparable models. This trend could accelerate cryptocurrency integration into mainstream finance, fostering economic growth. Consequently, we may see a wave of innovation in how public entities manage assets and liabilities. What actionable insights can stakeholders learn from this? For governments, this bond demonstrates the value of exploring alternative collateral options. Investors should monitor such developments for portfolio diversification opportunities. Additionally, it highlights the importance of staying informed about regulatory changes. To capitalize on this trend: Research similar bonds in other jurisdictions Consult financial advisors familiar with crypto assets Advocate for clear crypto policies in your region In summary, New Hampshire’s Bitcoin-backed municipal bond is a bold experiment that could redefine public finance. By blending traditional methods with cryptocurrency, it offers a glimpse into a more innovative future. As this model evolves, it may unlock new opportunities for growth and stability in government funding. Frequently Asked Questions What is a Bitcoin-backed municipal bond?It’s a government bond where Bitcoin serves as collateral, securing the investment against default. Why did New Hampshire choose Bitcoin for this bond?To tap into cryptocurrency’s potential for higher returns and attract tech-savvy investors, diversifying funding sources. Is this bond safe for investors?While it carries risks due to Bitcoin’s volatility, state guarantees and safeguards aim to protect investors. Can other states issue similar bonds?Yes, if they establish regulatory frameworks and risk management strategies, they could follow New Hampshire’s lead. How does this affect the cryptocurrency market?It boosts legitimacy and adoption, potentially increasing demand and stability for Bitcoin in the long term. What projects will this bond fund?Proceeds typically go toward public infrastructure, education, or healthcare, though specific allocations depend on state priorities. If you found this insight into the Bitcoin-backed municipal bond enlightening, share it on social media to spark conversations about the future of finance! Your engagement helps spread awareness and drive innovation. To learn more about the latest Bitcoin trends, explore our article on key developments shaping Bitcoin institutional adoption. This post Revolutionary Bitcoin-Backed Municipal Bond: New Hampshire’s $100M Leap into Crypto Finance first appeared on BitcoinWorld.

Author: Coinstats

2025/11/19

Bitcoin News: Tether Invests in Ledn to Fuel Global Bitcoin-Backed Lending Expansion

Bitcoin News: Tether Invests in Ledn to Fuel Global Bitcoin-Backed Lending Expansion

Tether invests in Ledn to boost global Bitcoin-backed lending, expanding secure credit access and strengthening financial infrastructure for businesses and individuals worldwide. The largest company in the digital asset industry, Tether, recently announced a strategic investment. The firm has sponsored Ledn, a global market leader in consumer Bitcoin-backed loans. This spending is focused on creating […] The post Bitcoin News: Tether Invests in Ledn to Fuel Global Bitcoin-Backed Lending Expansion appeared first on Live Bitcoin News.

Author: LiveBitcoinNews

2025/11/19

Bitcoin (BTC)-Backed Loan Business Lures Tether

Bitcoin (BTC)-Backed Loan Business Lures Tether

The post Bitcoin (BTC)-Backed Loan Business Lures Tether appeared on BitcoinEthereumNews.com. Tether has made a strategic investment in Ledn, one of the foremost providers of bitcoin-backed consumer loans, in a move aimed at expanding access to credit secured by digital assets, the firm said in an emailed announcement on Tuesday. The size of the investment has not been disclosed. Tether declined to provide further details when contacted by CoinDesk. The investment forms part of Tether’s push to support real-world financial services built on digital asset rails. Bitcoin-backed lending allows users to access liquidity without selling BTC to unlock short-term capital. Ledn was the survivor of a rout of the crypto-backed lending sector in 2022, which saw the likes of BlockFi, Voyager, Celsius and Genesis collapse. The Cayman Islands-registered company has streamlined its service, following a bitcoin-only model to simplify its offering and sharpen its focus. Ledn, which has originated over $2.8 billion in BTC-backed loans since launch, is on track for its strongest year yet. More than $1 billion in loans have been issued in 2025, including $392 million in Q3, nearly matching the firm’s entire 2024 volume. Tether CEO Paolo Ardoino said the investment reflects a commitment to financial empowerment through self-custodial credit. Source: https://www.coindesk.com/business/2025/11/18/tether-invests-in-ledn-to-expand-bitcoin-backed-lending-eyeing-surging-demand

Author: BitcoinEthereumNews

2025/11/19

Paxos Extends USDG Stablecoin to New Chains with USDG0 and LayerZero

Paxos Extends USDG Stablecoin to New Chains with USDG0 and LayerZero

TLDR Paxos has launched USDG0, an omnichain extension of its regulated USDG stablecoin. USDG0 uses LayerZero’s OFT standard to move seamlessly across multiple blockchains. The stablecoin expands liquidity to platforms like Hyperliquid, Plume, and Aptos. USDG0 eliminates the need for separate wrapped versions of USDG on different chains. The launch enhances yield-aligned trading and supports [...] The post Paxos Extends USDG Stablecoin to New Chains with USDG0 and LayerZero appeared first on Blockonomi.

Author: Blockonomi

2025/11/19

Tether Expands Portfolio with Investment in Ledn’s BTC Lending

Tether Expands Portfolio with Investment in Ledn’s BTC Lending

TLDR Tether has invested in Ledn to expand its portfolio in the growing crypto-backed lending industry. Ledn offers Bitcoin-backed loans, custody, risk management, and liquidation protection services. The partnership between Tether and Ledn aims to provide credit access without the need to sell digital assets. Before Tether’s involvement, Ledn had already originated over $2.8 billion [...] The post Tether Expands Portfolio with Investment in Ledn’s BTC Lending appeared first on Blockonomi.

Author: Blockonomi

2025/11/19

Top Crypto Investors Say This Could Be the Next 25x Altcoin Before Q1 2026

Top Crypto Investors Say This Could Be the Next 25x Altcoin Before Q1 2026

The market is shifting once more and most leading crypto purchasers are observing with a keener eye on one of the upcoming projects. They assume that a new cheap altcoin can be prepared to grow significantly by the beginning of 2026. The rating of the first ones is so high that large communities on X […]

Author: Cryptopolitan

2025/11/19

Aave & Cardano Trail Behind as Zero Knowledge Proof (ZKP) Becomes the Next Crypto to Explode

Aave & Cardano Trail Behind as Zero Knowledge Proof (ZKP) Becomes the Next Crypto to Explode

Discover Zero Knowledge Proof (ZKP), the new rival to Aave and Cardano, built for instant compute and privacy rewards. Learn why ZKP could be the next crypto to explode.

Author: Blockchainreporter

2025/11/19

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