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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.

15505 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
winners and losers in DeFi ‘risk curator’ reckoning

winners and losers in DeFi ‘risk curator’ reckoning

The post winners and losers in DeFi ‘risk curator’ reckoning appeared on BitcoinEthereumNews.com. Highly-leveraged yield farm Stream Finance halted withdrawals on Tuesday, disclosing the loss of $93 million worth of assets held by an “external fund manager.” The resulting depeg of Stream’s xUSD (currently down 88%) has led to concerns over the health of an interwoven ecosystem of similar high-yield vaults in the decentralized finance (DeFi) sector. The “risk curator” model of high-risk vaults offering yields of 18% on stablecoins, as was the case with Stream’s xUSD, has since come under harsh criticism. With “curators” taking a fee on withdrawals, their aim is to achieve higher yields to attract more deposits, while not exposing themselves to risk. Lots of these vaults billed themselves as delta-neutral strategies. However, the custom markets used to create leverage loops on DeFi lending platforms such as Euler and Morpho, have made unwinding the positions tricky in many cases. Reminder: hardcoded oracles mean in an impairment, you’re potentially riding it to zero. And potentially even if value isn’t quite zero. Hardcoded oracles = you are the junior tranche. You’re de facto back of the line in the credit stack. https://t.co/go2759V5TD — PaperImperium (@ImperiumPaper) November 6, 2025 Read more: DeFi projects under fire for inflated TVL and murky lending loops Ongoing 1 day ago Re7 Labs is accused of holding the funds hostage in illiquid markets, instead of recouping available on-chain liquidity. 1 day ago Monarch Lend developer Anton Cheng claims to have written a script for sniping withdrawals from fully utilized markets as liquidity becomes available. 8 hours ago Lista DAO calls on Re7 and MEV Capital to address these 100% utilization markets. 7 hours ago An update from Lista DAO appears to show that Re7 Labs intends to “facilitate the USDX market liquidation.” 5 hours ago The underlying collateral, Stables Labs’ USDX, depegs. The dust is still settling,…

Author: BitcoinEthereumNews

2025/11/07

Morpho Network (MORPHO) suffers service interruption as users face rendering issues

Morpho Network (MORPHO) suffers service interruption as users face rendering issues

The post Morpho Network (MORPHO) suffers service interruption as users face rendering issues appeared on BitcoinEthereumNews.com. Morpho faced a brief outage on Nov. 6, hitting indexers, backend systems, and the app UI. Core lending/borrowing stayed online, but users struggled to load dashboards and live data. Backend and indexers are restored, though frontend rendering remains impaired. As bears thrive amid broader market indecisiveness, decentralized lending protocol Morpho suffered a momentary service disruption today, November 6. According to the project’s status page, the event impacted backed systems, indexer performance, and application rendering, blocking user access to key features. While the outage didn’t suspend crucial borrowing and lending activity, Morpho users are facing challenges when viewing real-time data and loading dashboards. The team acted quickly to solve indexer and backend issues, but front-end rendering, which supports the user interface, remains down. Rendering still impaired after backend restoration Morpho developers stabilized address indexer delays and the backend system within hours after the incident. These two components are crucial in managing transaction data and feeding it into application layers. Nonetheless, the frontend rendering, responsible for showcasing protocol metrics and user data, continues to face outages. Users are either encountering blank pages or outdated info when navigating their lending positions. Most importantly, the incident didn’t impact funding or pending lending operations. It is an infrastructural issue not linked to security or smart contracts. About Morpho – an advanced DeFi platform Morpho Network establishes itself as a reliable, open, and efficient protocol that enables users to borrow assets or earn yield smoothly. Lenders can leverage the platform’s user-friendly, non-custodial vaults that optimize yield for depositors (automatically). On the other side, borrowers can access liquidity through Morpho Markets, where they can borrow assets without third parties. Furthermore, Morpho’s permissionless and flexible model permits businesses and developers to curate special vaults, build dApps using the protocol’s core architecture, and create advanced markets. The openness has…

Author: BitcoinEthereumNews

2025/11/07

Bitwise CIO Matt Hougan Reveals What Separates Good DATs from Bad

Bitwise CIO Matt Hougan Reveals What Separates Good DATs from Bad

TLDR Bitwise CIO Matt Hougan said only DATs executing complex crypto strategies deserve to trade at a market premium. He explained that most Digital Asset Treasuries now trade near their market net asset values after recent revaluations. Hougan stated that passive DATs holding crypto assets without innovation will likely trade below their underlying value. He [...] The post Bitwise CIO Matt Hougan Reveals What Separates Good DATs from Bad appeared first on CoinCentral.

Author: Coincentral

2025/11/07

Bitcoin-native yield protocol TeraHash taps ex-TRON lead to drive growth

Bitcoin-native yield protocol TeraHash taps ex-TRON lead to drive growth

Ex-TRON lead Hunter Rogers has joined Bitcoin-native yield platform TeraHash, aiming to drive further adoption of Bitcoin across the decentralized finance ecosystem. TeraHash announced Thursday, Nov. 6, that Rogers’ expertise, including in institutional partnerships, will be key to positioning the…

Author: Crypto.news

2025/11/06

5 High-ROI Cryptos for 2025 Investors—Ozak AI’s $4.17M Presale Surge Signals the Next 500× Opportunity

5 High-ROI Cryptos for 2025 Investors—Ozak AI’s $4.17M Presale Surge Signals the Next 500× Opportunity

The post 5 High-ROI Cryptos for 2025 Investors—Ozak AI’s $4.17M Presale Surge Signals the Next 500× Opportunity appeared on BitcoinEthereumNews.com. People keep talking about the crypto market these days. It feels like it’s picking up with fresh optimism and some real tech shifts. Investors are starting to move away from those wide-open speculative plays. They prefer tokens that bring actual real-world use and cutting-edge innovations. That often means blending blockchain with extra layers of smart features. Right now, five coins really catch the eye for 2025. Four of them are solid, established ones. The fifth is this new one that’s just starting to break through. All these picks line up for strong returns driven by practical utility. Avalanche (AVAX) Avalanche goes by AVAX. It trades around $20.55 these days. The market cap sits at about $8.77 billion. The 24–hour trading volume comes in near $585.35 million. This platform handles high throughput for smart contracts. It also pushes hard on cross-chain connections. That sets it up nicely for growth in DeFi and dApps. Looking ahead to 2025, the scalability and ability to work across chains give AVAX a lot of room to rise. Cardano (ADA) Cardano uses the ticker ADA. It prices out near $0.6784 right now. The market cap hovers around $24.32 billion. The 24-hour volume runs about eight hundred eighty million dollars. Derived from various sources. ADA builds on a research-focused setup. It has governance upgrades coming in the Voltaire phase.  Tron (TRX) TRON trades under TRX. It sits around $0.3000. The market cap nears $28.39 billion. The 24–hour trading volume is around $961.74 million. TRX plays a big part in issuing stablecoins. It handles high throughput for content and dApps, too. So the potential here feels less like a gamble and more tied to real foundations. It suits investors who want decent returns backed by actual use. Chainlink (LINK) Chainlink operates with the LINK token. It trades around…

Author: BitcoinEthereumNews

2025/11/06

Elixir: Redemptions for 80% of deUSD holders have been completed in the past 48 hours.

Elixir: Redemptions for 80% of deUSD holders have been completed in the past 48 hours.

PANews reported on November 6th that Elixir announced on its X platform that it has successfully redeemed 80% of deUSD holders (excluding Stream) in the past 48 hours. Currently, Stream holds approximately 90% of the deUSD supply (approximately $75 million), while Elixir holds a similar proportion of the remaining collateral through Morpho loans provided to Stream. The remaining deUSD and sdeUSD holders can redeem their holdings at a price of $1. To protect the rights of these holders and avoid the risk of Stream liquidating deUSD before repaying its loans, Elixir has taken a snapshot of the balances of all relevant holders. The redemption claim page will go live later today, at which time holders can claim USDC. For this purpose, the minting and redemption infrastructure has been suspended, and deUSD will be gradually phased out of the market. Affected AMM pools or lending market LPs can claim the full value of their positions. Given that Stream accounts for over 99% of the lending positions and has decided not to repay or to liquidate them, Elixir will share repayment funds with partners such as Euler, Morpho, and Compound to liquidate these positions, and firmly believes that a 1:1 repayment can be achieved. Detailed information on the application page will be released later.

Author: PANews

2025/11/06

Ethereum Price Prediction: ETH Stuck in Tight Range as Mutuum Finance (MUTM) Presale Stage 6 Enters Final Stretch

Ethereum Price Prediction: ETH Stuck in Tight Range as Mutuum Finance (MUTM) Presale Stage 6 Enters Final Stretch

The price of Ethereum (ETH) seems to be range-bound as the asset is struggling to move past the resistance price of $4,000. Nevertheless, this is a positive trend as ETH is well above the key support levels; however, the current momentum is not that attractive as a result of the resistance posed by the 20-day […]

Author: Cryptopolitan

2025/11/06

Bitcoin Hyper Aims to Change This

Bitcoin Hyper Aims to Change This

The post Bitcoin Hyper Aims to Change This appeared on BitcoinEthereumNews.com. Crypto Presales Takeaways: Ethereum’s ecosystem set a 24K TPS record this week, proving rollups can deliver instant-grade UX while the base layer focuses on security and settlement. Bitcoin’s base layer, meanwhile, remains throughput-limited, which pushes users to faster rails. That gap creates a clear commercial opening for Bitcoin-anchored scaling. Bitcoin Hyper ($HYPER) proposes high-speed execution with Bitcoin settlement, targeting DeFi and other Web3 use cases while keeping $BTC at the center of the flow. The $HYPER presale has raised $26M+, with the token going for $0.013225 and 45% APY staking rewards. Incentives appear early-stage, but traction suggests strong market interest. The throughput race just shifted up a gear. As recent stats show, Ethereum’s broader ecosystem briefly clocked 24,192 transactions per second after a fresh wave of Layer 2 (L2) activity. Those recent Ethereum blockchain figures come from scaling rails and high-speed execution, and this new record lands like a marker for what’s possible when rollups do the heavy lifting. It also sharpens an old contrast. Bitcoin remains secure and battle-tested, but it still pushes only modest base-layer throughput. That gap frames today’s market narrative in an important way. Fees and latency shape user behavior and shift market expectations. When blockspace is tight, users flock to the cheapest and fastest pipes, and liquidity follows. That’s been Ethereum’s playbook since the beginning, and the narrative continues in 2025, with rollups absorbing demand and setting new TPS highs. For traders watching rotations, this is a signal. Utility is winning five feet at a time, and speed is utility’s front door. Source: growthepie This brings Bitcoin into focus. The oldest chain commands unmatched brand and security, yet everyday payments and high-frequency apps still detour elsewhere. That mismatch is a commercial opportunity disguised as a technical constraint. Builders are now racing to bolt scalable execution…

Author: BitcoinEthereumNews

2025/11/06

Morpho co-founder: The "liquidity shortage" in some vaults is not a systemic flaw, but a natural reaction mechanism under stress.

Morpho co-founder: The "liquidity shortage" in some vaults is not a systemic flaw, but a natural reaction mechanism under stress.

PANews reported on November 6th that Morpho co-founder Merlin Egalite responded to the "liquidity shortage" experienced by some vaults. He stated that when the market is under stress, lenders often withdraw funds simultaneously, leading to increased capital utilization and decreased liquidity, and in extreme cases, even a temporary lack of available liquidity. However, this is not a systemic flaw, but rather a natural reaction mechanism of the lending pool under stress. To restore balance, the interest rate model automatically adjusts borrowing rates. For example, Morpho targets a capital utilization rate of 90%, meaning that in most cases, approximately 90% of deposited funds are lent out. When utilization spikes to 100%, borrowing rates increase fourfold. Typically, market interest rates can return to a balanced state of approximately 90% within minutes; under greater market stress, recovery may take several hours. Furthermore, the "liquidity shortage" is localized and controllable, occurring only in isolated market imbalances. A few days ago, only 3-4 of Morpho's 320 vaults experienced temporary liquidity shortages, while the rest operated normally. Therefore, the claim that "the entire agreement is experiencing a liquidity crunch" is misleading. Insufficient liquidity does not necessarily mean losses or bad debts; it simply means that a large amount of funds have been lent out in the short term. The market will react in real time, repricing the risk and seeking a new equilibrium.

Author: PANews

2025/11/06

Emergency Liquidation Vote Underway as USDX Vaults Face 800% Borrowing Rates

Emergency Liquidation Vote Underway as USDX Vaults Face 800% Borrowing Rates

The governance vote runs until Nov. 9, targeting 800% borrowing rates in USDT and USD1 vaults with no repayment activity. The post Emergency Liquidation Vote Underway as USDX Vaults Face 800% Borrowing Rates appeared first on Coinspeaker.

Author: Coinspeaker

2025/11/06

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