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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.

15348 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Ripple CEO David Schwartz Highlights Bitcoin’s Core Use Cases and Speculative Value Drivers

Ripple CEO David Schwartz Highlights Bitcoin’s Core Use Cases and Speculative Value Drivers

The post Ripple CEO David Schwartz Highlights Bitcoin’s Core Use Cases and Speculative Value Drivers appeared on BitcoinEthereumNews.com. COINOTAG recommends • Exchange signup 💹 Trade with pro tools Fast execution, robust charts, clean risk controls. 👉 Open account → COINOTAG recommends • Exchange signup 🚀 Smooth orders, clear control Advanced order types and market depth in one view. 👉 Create account → COINOTAG recommends • Exchange signup 📈 Clarity in volatile markets Plan entries & exits, manage positions with discipline. 👉 Sign up → COINOTAG recommends • Exchange signup ⚡ Speed, depth, reliability Execute confidently when timing matters. 👉 Open account → COINOTAG recommends • Exchange signup 🧭 A focused workflow for traders Alerts, watchlists, and a repeatable process. 👉 Get started → COINOTAG recommends • Exchange signup ✅ Data‑driven decisions Focus on process—not noise. 👉 Sign up → Bitcoin use cases, as outlined by Ripple CEO David Schwartz, include its scarcity, liquidity, value, censorship resistance, stability in non-price aspects, transferability, lack of jurisdiction, and fairness. These attributes make Bitcoin a robust digital asset for various financial applications. Scarcity and liquidity: Bitcoin’s fixed supply of 21 million coins ensures rarity, while its global trading volume provides high liquidity for easy transactions. Bitcoin serves as a store of value, often compared to digital gold due to its enduring appeal in uncertain economic times. With over 1 million daily active addresses in recent years, Bitcoin demonstrates strong network adoption and real-world usage statistics. Discover Bitcoin use cases highlighted by Ripple’s David Schwartz: scarcity, liquidity, and censorship resistance drive its value. Explore how these features position Bitcoin in 2025’s crypto landscape—read more for expert insights. What are the main Bitcoin use cases according to David Schwartz? Bitcoin use cases revolve around its fundamental properties that enable it to function as a decentralized financial tool. David Schwartz, chief technology officer at Ripple, emphasized in a recent social media post on X that…

Author: BitcoinEthereumNews

2025/10/31

Billionaire Ricardo Salinas: "It's Still Early for Bitcoin" - Calls BTC "The Ultimate Hard Asset"

Billionaire Ricardo Salinas: "It's Still Early for Bitcoin" - Calls BTC "The Ultimate Hard Asset"

Mexican billionaire Ricardo Salinas Pliego, one of Latin America's wealthiest individuals and a long-time Bitcoin advocate, has declared that despite Bitcoin's significant price appreciation over the years, it remains early for cryptocurrency adoption.

Author: MEXC NEWS

2025/10/31

Ethereum Will Dominate the Coming Tokenization Era, According to Standard Chartered

Ethereum Will Dominate the Coming Tokenization Era, According to Standard Chartered

The bank projects that the market for tokenized real-world assets (RWAs) — excluding stablecoins — could balloon to $2 trillion […] The post Ethereum Will Dominate the Coming Tokenization Era, According to Standard Chartered appeared first on Coindoo.

Author: Coindoo

2025/10/31

Western Union's "WUUSD" trademark suggests it may be launching a cryptocurrency service.

Western Union's "WUUSD" trademark suggests it may be launching a cryptocurrency service.

PANews reported on October 31 that, according to Cointelegraph, Western Union filed a trademark application for "WUUSD" with the U.S. Patent and Trademark Office on Wednesday. The WUUSD trademark can be used in multiple areas, including cryptocurrency wallets, cryptocurrency trading, and stablecoin payment processing. The trademark covers a range of stablecoin-related services. The application has been accepted but no examiner has been assigned. It is currently unclear what distinguishes WUUSD from its planned stablecoin USDPT, as Western Union also filed the exact same trademark application for USDPT in early October. The application documents show that WUUSD can be used for stablecoin exchange, trading, and payment processing, and also suggest the provision of a wider range of cryptocurrency services, such as software for managing and verifying transactions, "consuming and trading cryptocurrencies," as well as cryptocurrency exchanges, trading, payment processing, and financial brokerage services. Furthermore, the documents mention cryptocurrency lending services, specifically "conducting securities and derivatives trading," which may significantly differ from Western Union's traditional business. Previously, it was reported that Western Union planned to launch USDPT, a stablecoin built on the Solana blockchain, in 2026 ; Western Union has also applied to register the WUUSD trademark .

Author: PANews

2025/10/31

Western Union Files WUUSD Trademark, Suggesting Potential Crypto Wallet and Trading Services

Western Union Files WUUSD Trademark, Suggesting Potential Crypto Wallet and Trading Services

The post Western Union Files WUUSD Trademark, Suggesting Potential Crypto Wallet and Trading Services appeared on BitcoinEthereumNews.com. COINOTAG recommends • Exchange signup 💹 Trade with pro tools Fast execution, robust charts, clean risk controls. 👉 Open account → COINOTAG recommends • Exchange signup 🚀 Smooth orders, clear control Advanced order types and market depth in one view. 👉 Create account → COINOTAG recommends • Exchange signup 📈 Clarity in volatile markets Plan entries & exits, manage positions with discipline. 👉 Sign up → COINOTAG recommends • Exchange signup ⚡ Speed, depth, reliability Execute confidently when timing matters. 👉 Open account → COINOTAG recommends • Exchange signup 🧭 A focused workflow for traders Alerts, watchlists, and a repeatable process. 👉 Get started → COINOTAG recommends • Exchange signup ✅ Data‑driven decisions Focus on process—not noise. 👉 Sign up → Western Union has filed a trademark for “WUUSD,” indicating potential expansion into cryptocurrency wallet services, trading platforms, and lending options, building on its upcoming stablecoin launch on Solana in 2026. Trademark covers crypto wallet and trading: The filing includes provisions for digital asset storage and exchange services. Stablecoin integration planned: Western Union aims to launch USDPT on Solana, enhancing cross-border payments. Crypto lending services hinted: The application mentions brokerage for securities and derivatives, signaling broader financial offerings with 2025 regulatory support from the GENIUS Act. Discover Western Union’s WUUSD trademark filing and its implications for crypto wallet, trading, and lending services. Explore how this move positions the firm in the evolving digital asset landscape—stay informed on stablecoin innovations today. What is Western Union’s WUUSD Trademark and Its Role in Crypto Services? Western Union’s WUUSD trademark represents a strategic filing by the global financial services giant to secure branding for a suite of cryptocurrency-related offerings. Submitted to the US Patent and Trademark Office on Wednesday, the application encompasses services such as crypto wallet management, trading platforms, and stablecoin payment processing.…

Author: BitcoinEthereumNews

2025/10/31

The End of Fragmentation: Towards a Coherent Ethereum

The End of Fragmentation: Towards a Coherent Ethereum

Author: Prince Compiled by: Block unicorn Ethereum's initial vision was a permissionless, infinitely open platform where anyone with an idea could participate. Its principle is simple: a world computer sharing a single global state view. Ethereum's value lies in the fact that anyone can build useful applications, and that all applications are interconnected. As Ethereum evolves, its scaling roadmap brings both new opportunities and challenges. New closed ecosystems are beginning to emerge. Entrepreneurs seek higher performance or practical ways to make their products stand out. For some developers, the simplest way to achieve this is to create their own blockchain ecosystem. This ecosystem expands in almost every possible direction: new blockchains are launched (horizontal growth), and aggregations are introduced to expand the underlying layers (vertical growth). Other teams choose to build their own dedicated execution and consensus layers (application-specific blockchains) to meet the needs of their projects. Each expansion, viewed individually, is a reasonable decision. But from a broader perspective, this continuous expansion is beginning to undermine the belief that Ethereum will one day become the "world computer." Today, the same assets exist on multiple platforms and in multiple forms. The same exchanges or lending markets appear on every chain. The permissionless nature remains, but the coordination mechanisms are beginning to disappear. As state, assets, liquidity, and applications become increasingly fragmented, what was once an infinite garden is starting to resemble a complex maze. The real cost of fragmentation Fragmentation has not only created technical obstacles, but it has also changed how developers feel when choosing to build applications. The products delivered by each team initially functioned as expected. However, with increasing fragmentation, these teams were forced to migrate identical applications to other chains in order to retain existing users. Each new deployment seemed like progress, but for most developers, it felt like starting from scratch. Liquidity gradually eroded, and users left with it. Ethereum continues to grow and thrive, but it has gradually lost its community cohesion. Although the ecosystem remains active and continues to grow, individual interests have begun to take precedence over coordination and connection. This boundless garden is beginning to show signs of overgrowth and neglect. No one did anything wrong. Everyone followed the incentive mechanism. Over time, all that remained was exhaustion. Abundance was brought without permission, yet within this abundance, the very foundation that once held everything together began to crumble. Return of coherence MegaETH represents Ethereum's first real opportunity to scale block space supply to meet demand within a single execution environment. Currently, the L2 block space market is congested. Most projects are vying for the same user base, offering largely similar block space. Throughput bottlenecks persist, and high activity on individual sequencers artificially inflates transaction costs. Despite significant technological advancements, only a handful of scaling solutions have truly improved the user and developer experience. MegaETH aims to change that. It is one of the closest attempts to realizing Ethereum's original vision—building a world computer. By providing an execution environment with latency below 10 milliseconds, gigabit gas caps, and ultra-low-cost transactions, the MegaETH team is striving to achieve the vision of a world computer. All data is processed on a single shared state (ignoring privacy concerns for now), and real-time execution should be a guiding light for our industry and the only way we can truly compete with Web 2.0. As a founder building on MegaETH, what impressed me most wasn't the speed or millisecond-level latency, but rather that after many years, all applications built on Ethereum can finally connect and stay in sync, and at a low cost with short wait times. When all contracts and transactions reside in the same state machine, complex coordination mechanisms become simple again. Developers no longer need to struggle with latency or spend time optimizing contracts to improve gas efficiency; users no longer need to worry about which "version" of network they are transacting on. This is what MegaETH means by "Big Sequencer Energy": Ethereum possesses a high-performance execution layer built specifically for real-time applications. For the first time in years, users can build applications within the Ethereum execution environment without worrying about their location. All users can once again share the same execution environment, enabling latency-sensitive applications such as high-frequency trading, on-chain order books, real-time lending, and fully on-chain multiplayer games—features currently impossible due to Ethereum's resource limitations. Enter: MegaMafia In the context of MegaETH, those who experienced fragmentation are beginning to rebuild. We all know what we lost when everything fell apart. Now, the system is finally able to stay in sync, and it feels like moving forward rather than sideways. Each team works on a different level: transactions, credit, infrastructure, gaming, and more. But their goal is the same: to make Ethereum a unified whole again. MegaETH provides that opportunity, and MegaMafia has given it shape. The focus now is no longer on deploying more of the same applications, but on rebuilding the infrastructure so that the parts that are already working well can finally work together. Avon's role in world computing Avon brought the same concept to the credit market. Of all DeFi categories, lending is most severely affected by fragmentation. Each protocol operates on different versions of the same concept. Each market has its own liquidity, rules, and risks. Anyone who's used these markets knows the feeling. You check interest rates on one app, then compare them on another, and still don't know which is more reliable. Liquidity stagnates because it can't flow between different protocols. Avon introduces a coordination layer instead of deploying another pool of funds. Its order book connects different strategies (independent markets), enabling them to respond to each other in real time. You can think of it as many pools of funds connected through a shared layer (i.e., the order book). When one changes, the others are aware of it. Over time, the lending market will once again function as a single, interconnected market. Liquidity will flow to where the most competitive conditions are available. Borrowers will obtain the most competitive interest rates possible. Coordination is not just about optimizing interest rates or controlling them. More importantly, it's about providing a unified perspective on lending during market fluctuations. Towards a coherent Ethereum Ethereum doesn't need another chain. It needs a central hub where people gather and maintain Ethereum. MegaETH provides the trading venue. MegaMafia will provide the trading power. Avon will provide the coordination layer, enabling funds to flow within the system. Ethereum has faced fragmentation issues for the past few years; we believe MegaETH will drive Ethereum toward realizing its vision of becoming a world computer and reaching an unprecedented scale. As Ethereum begins to regain its rhythm, MegaETH will ensure that builders can do this at a near-infinite scale.

Author: PANews

2025/10/31

Standard Chartered Predicts Tokenized Real-World Assets To Reach $2 Trillion by 2028

Standard Chartered Predicts Tokenized Real-World Assets To Reach $2 Trillion by 2028

The post Standard Chartered Predicts Tokenized Real-World Assets To Reach $2 Trillion by 2028 appeared first on Coinpedia Fintech News Global banking giant Standard Chartered has shared a bold forecast that the market value of tokenized real-world assets (RWAs) could surge from around $35 billion today to nearly $2 trillion by the end of 2028, with Ethereum expected to host the majority of this activity. Here’s how it possible? What’s Driving the Tokenization Boom Geoff …

Author: CoinPedia

2025/10/31

Revolut Stablecoin Swap: A Game-Changer for Digital Asset Transfers

Revolut Stablecoin Swap: A Game-Changer for Digital Asset Transfers

BitcoinWorld Revolut Stablecoin Swap: A Game-Changer for Digital Asset Transfers The world of digital finance is constantly evolving, and leading neobanks like Revolut are at the forefront of this transformation. A significant development has just emerged: Revolut has launched an innovative Revolut stablecoin swap feature, allowing users to seamlessly exchange U.S. dollars for popular stablecoins like USDT and USDC. This move is poised to simplify digital asset transactions for millions. What Does the New Revolut Stablecoin Swap Entail? Revolut, known for its versatile financial services, has introduced a game-changing one-to-one swap functionality. This allows users to convert their U.S. dollars directly into stablecoins. The service specifically supports Tether (USDT) and USD Coin (USDC). These are two of the most widely used stablecoins, pegged directly to the U.S. dollar, offering stability in the volatile crypto market. Crucially, this swap operates across six major blockchains, including Ethereum, Solana, and Tron, providing broad accessibility and flexibility. One of the most attractive aspects? Users can swap up to an impressive $578,000 into stablecoins within a 30-day period, all completely free of fees or spread. This eliminates a common barrier for those looking to engage with digital assets. Why is Revolut’s Stablecoin Swap a Game-Changer for Users? This new feature isn’t just a minor update; it’s a significant step towards mainstream crypto adoption. It bridges the gap between traditional fiat currency and the burgeoning world of decentralized finance (DeFi). Seamless Access: For many, acquiring stablecoins often involves navigating complex crypto exchanges, dealing with various fees, and understanding different trading pairs. Revolut simplifies this process dramatically. Cost-Efficiency: The absence of fees and spread on these swaps means users retain the full value of their conversion, making it an incredibly attractive option for both casual users and those with larger transaction volumes. Enhanced Utility: Stablecoins are vital for various crypto activities, from trading and lending to cross-border remittances. By making them easily accessible, Revolut empowers its users to participate more actively in the digital economy. This Revolut stablecoin swap enhances the utility of their platform. How Can You Utilize the Revolut Stablecoin Swap Effectively? Leveraging this new feature is straightforward for existing Revolut users. The integration within the familiar Revolut app ensures a user-friendly experience. Actionable Insight: If you’re planning to engage in crypto trading or need to send funds internationally using stablecoins, this feature provides a direct and economical route. Consider the 30-day limit of $578,000. While generous, it’s an important detail for high-volume users to keep in mind. This limit helps manage risk and maintain platform stability. Revolut’s strong regulatory standing as a London-based neobank also adds a layer of trust and security, crucial for users venturing into digital assets. This adherence to regulations supports the EEAT principles of expertise, authoritativeness, and trustworthiness. The Revolut stablecoin swap is built on a foundation of trust. What’s Next for Digital Finance with Revolut Stablecoin Swap? The introduction of the Revolut stablecoin swap could set a new standard for how traditional financial institutions interact with cryptocurrencies. It signals a growing acceptance and integration of digital assets into everyday banking. This move by Revolut may encourage other neobanks and traditional banks to explore similar offerings, fostering greater competition and innovation in the digital finance space. The future could see an expansion of supported stablecoins or even other cryptocurrencies, further broadening the scope of Revolut’s digital asset services. Ultimately, features like this push us closer to a future where digital currencies are as easy to use and access as traditional fiat, enabling more efficient and inclusive financial systems globally. Revolut’s new 1:1 USD-to-stablecoin swap feature is a significant milestone, offering unparalleled ease, cost-efficiency, and accessibility for digital asset transactions. By supporting major stablecoins across multiple blockchains with zero fees, Revolut is not just simplifying crypto for its users but also accelerating the convergence of traditional and decentralized finance. This innovative step solidifies Revolut’s position as a forward-thinking leader in the global financial landscape. Frequently Asked Questions (FAQs) What is the Revolut stablecoin swap feature?It allows Revolut users to exchange U.S. dollars for stablecoins like USDT and USDC on a 1:1 basis, without fees or spread, across six different blockchains. Which stablecoins and blockchains are supported?The service supports USDT (Tether) and USDC (USD Coin) on blockchains including Ethereum, Solana, and Tron. Are there any fees for using the swap feature?No, Revolut offers this 1:1 swap completely free of fees and spread. Is there a limit to how much I can swap?Yes, users can swap up to $578,000 into stablecoins within a 30-day rolling period. Why is this feature important for crypto users?It simplifies access to stablecoins, reduces transaction costs, and provides a secure, regulated platform for engaging with digital assets, bridging traditional finance with the crypto world. Found this article insightful? Share it with your friends and fellow crypto enthusiasts on social media to spread the word about Revolut’s exciting new stablecoin swap feature! To learn more about the latest crypto market trends, explore our article on key developments shaping stablecoin institutional adoption. This post Revolut Stablecoin Swap: A Game-Changer for Digital Asset Transfers first appeared on BitcoinWorld.

Author: Coinstats

2025/10/31

Coinbase Boosts Bitcoin Holdings as Profits Surge in Q3

Coinbase Boosts Bitcoin Holdings as Profits Surge in Q3

The post Coinbase Boosts Bitcoin Holdings as Profits Surge in Q3 appeared on BitcoinEthereumNews.com. The exchange boosted its Bitcoin holdings by 2,772 BTC, bringing its total reserves to 14,548 BTC worth about $1.57 billion. This is part of Coinbase’s plan to become an “Everything Exchange.” The company reported $1.9 billion in revenue, up 55% year-on-year, and $432.6 million in net income, fueled by strong trading and subscription revenues. Institutional clients accounted for 80% of Coinbase’s $295 billion trading volume. Meanwhile, CEO Brian Armstrong turned heads after intentionally dropping crypto buzzwords like “Bitcoin” and “Web3” at the end of the earnings call, which instantly resolved prediction markets on Kalshi and Polymarket. Though playful, the stunt caused some debate over fairness in prediction markets and insider influence. Coinbase Grows Bitcoin Stash Coinbase greatly strengthened its position in the Bitcoin ecosystem after adding 2,772 BTC to its holdings in the third quarter as part of its attempt to evolve into what it calls an “Everything Exchange.” The company’s total Bitcoin reserves now stand at 14,548 BTC, which is valued at approximately $1.57 billion.  The latest quarterly report also showed robust financial performance, with net income surging more than fivefold to $432.6 million year-on-year, while total revenue climbed 55% to $1.9 billion. The gains were largely driven by a resurgence in trading activity and growth in subscription-based revenue streams, which include stablecoin-related income and blockchain rewards. Transaction revenue reached $1.05 billion, while subscription and services revenue increased 34.3% to $746.7 million. Coinbase credited its growth to progress made toward realizing its “Everything Exchange” vision. This is an ambitious plan to offer a comprehensive suite of crypto and tokenized products under one platform. Coinbase Q3 financial results (Source: Coinbase) The company said it made headway in Q3 by expanding its lineup of tradable spot assets, enhancing its derivatives offerings, and building the foundation for new verticals, like tokenized stocks,…

Author: BitcoinEthereumNews

2025/10/31

Ondo Taps Chainlink to Price $300M in Onchain Tokenized Stocks

Ondo Taps Chainlink to Price $300M in Onchain Tokenized Stocks

TLDR: Ondo Finance selected Chainlink as the oracle for pricing its regulated tokenized stocks and ETFs. The partnership integrates Chainlink’s CCIP as the cross-chain solution for financial institutions. Chainlink joined Ondo’s Global Market Alliance supporting tokenized assets worth over $300 million. The integration will enable real-time equity pricing and expand onchain capital markets access. Chainlink [...] The post Ondo Taps Chainlink to Price $300M in Onchain Tokenized Stocks appeared first on Blockonomi.

Author: Blockonomi

2025/10/31

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