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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.

15318 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Cardano Integrates x402 To Power AI Payments On Blockchain

Cardano Integrates x402 To Power AI Payments On Blockchain

The post Cardano Integrates x402 To Power AI Payments On Blockchain appeared on BitcoinEthereumNews.com. The Cardano network has begun integrating the x402 payment standard, designed to enable AI agents to conduct blockchain transactions without human intervention. The announcement came from the Masumi team, which is developing the Cardano-based infrastructure and implementing x402 support. Developed initially by Coinbase and expanded with partners across the web ecosystem, x402 revives the idea of automated internet micropayments, allowing bots and AI agents to handle payments on-chain independently. “This is very big for cardano,” said Charles Hoskinson, co-founder of the blockchain, in a post on X. According to Masumi, the x402 standard enables HTTP-based payment requests and allows AI agents to: Pay for resources and services via API Perform transactions with ADA and USDM Interact with other AI systems without intermediaries Masumi has enhanced x402 with a trust layer — integrating identity, reputation, transparent auditing, and refund mechanisms. This framework could transform Cardano into the financial backbone of an “agent economy”, where autonomous systems trade, collaborate, and pay each other seamlessly. Proof of Concept and DeFi Automation A Proof-of-Concept is already active: users can mint a test memecoin by paying 2 USDM and a small amount of ADA. The team believes this integration could automate DeFi protocols, from token swaps to lending and staking, all without direct user interaction with smart contracts. This is significant, as Cardano’s DeFi ecosystem still trails behind competitors. According to DefiLlama, Cardano’s current market cap stands at $36.2 billion, with $290.4 million in locked DeFi liquidity and $36.2 million in stablecoins. Source: defillama.com In comparison, Ethereum and Tron hold $163 billion and $79 billion in stablecoins respectively. Hoskinson has repeatedly criticized the Cardano Foundation for the slow DeFi rollout despite $15 million in 2024 marketing spend, including a sponsorship deal with FC Barcelona. In October 2025, the Cardano community approved an additional $33 million…

Author: BitcoinEthereumNews

2025/10/29

This New DeFi Crypto Token Launch Could Trigger a 600% Rally, Experts Explain

This New DeFi Crypto Token Launch Could Trigger a 600% Rally, Experts Explain

The post This New DeFi Crypto Token Launch Could Trigger a 600% Rally, Experts Explain appeared first on Coinpedia Fintech News As new projects emerge ahead of the next market rally, one decentralized finance (DeFi) protocol is getting major attention from analysts and early investors — Mutuum Finance (MUTM). With its presale already surpassing $18.1 million and the mainnet launch approaching, experts believe this could be the next token to deliver massive upside potential. Some forecasts …

Author: CoinPedia

2025/10/29

Borrow Against XRP? Uphold’s December Move Hints at Major Shift

Borrow Against XRP? Uphold’s December Move Hints at Major Shift

TLDR Uphold will launch digital asset-backed loans in December starting with a Florida rollout. The loan service will allow users to borrow against XRP, Bitcoin, Ethereum, and USDC. Borrowed funds can be spent instantly through a Visa credit card provided by Uphold. Customers will continue to earn yield on their XRP and other supported assets [...] The post Borrow Against XRP? Uphold’s December Move Hints at Major Shift appeared first on CoinCentral.

Author: Coincentral

2025/10/29

sUSDe Loop Trades Worth $1B at Risk

sUSDe Loop Trades Worth $1B at Risk

The post sUSDe Loop Trades Worth $1B at Risk appeared on BitcoinEthereumNews.com. After the Oct. 10 market crash that saw massive losses in bitcoin BTC$112,560.39 and other cryptocurrencies, nearly $1 billion in DeFi positions involving Ethena’s staked USDe (sUSDe) are now at risk, according to a new report from Sentora Research. Since the crash, Sentora notes that rates in DeFi markets have dropped significantly, shrinking yields on leveraged strategies such as the sUSDe loop trade. sUSDE is Ethena’s Staked USDe, a synthetic dollar stablecoin that generates yield by staking the underlying USDe token. The Loop The popular strategy involves traders depositing sUSDe as collateral on DeFi platforms like Aave and Pendle to borrow stablecoins such as Tether USDT$1.0002 and USD Coin (USDC). They then use the borrowed USDT to buy more sUSDe, which is redeposited as collateral to borrow additional USDT and purchase even more sUSDe. This cycle is repeated to amplify the yield generated by the positive carry—the difference between the sUSDe staking rewards and the borrowing costs. Negative Carry However, since the Oct. 10 crash, the yield differential has flipped negative, denting the appeal of the loop trade. “Following the flash crash on October 10, funding rates on DeFi markets have dropped significantly, cutting yields for basis‑trade strategies. On Aave v3 Core, USDT/USDC borrow rates sit ~2.0% / ~1.5% above the sUSDe yield, turning the carry negative for users borrowing stables to lever sUSDe,” Sentora Research said in an email to CoinDesk. The firm explained that, as the spread remains below zero, looped positions that borrow stablecoins to buy sUSDe start to incur losses. If this persists, it could trigger the unwinding of roughly $1 billion in positions already exposed to negative carry on Aave v3 Core. This negative carry may force collateral sales or deleveraging, weakening liquidity in the very venues providing leverage and potentially causing a cascading market effect. What…

Author: BitcoinEthereumNews

2025/10/29

BCH Trades $559 — Why ConstructKoin (CTK) Is a Top Presale Crypto 2025 Pick

BCH Trades $559 — Why ConstructKoin (CTK) Is a Top Presale Crypto 2025 Pick

The post BCH Trades $559 — Why ConstructKoin (CTK) Is a Top Presale Crypto 2025 Pick appeared on BitcoinEthereumNews.com. Bitcoin Cash (BCH) is trading near $559, showing steady demand as a payments and low-fee settlement alternative in the broader crypto landscape. While BCH’s utility as a fast, inexpensive transfer layer persists, investors are increasingly scanning the market for presales and infrastructure tokens that tie blockchain utility to real-world economic activity. One presale repeatedly showing up on analyst lists is ConstructKoin (CTK) — a ReFi (Real Estate Financing) protocol positioned as a disciplined, institution-friendly presale for 2025. BCH technical snapshot & market context BCH holding around $559 indicates buyers are defending higher levels compared to earlier cycles. Traders are watching $540 as immediate support and $600–$620 as the next resistance area. Bitcoin Cash benefits from straightforward payment use-cases and lower fees than many L1s, which makes it useful for settlement or proof anchoring in certain flows. That said, the market’s rotation toward utility tied to real economy outcomes is creating interest in presales like CTK. Why “presale” matters now — CTK’s differentiated approach Presales are plentiful; the differentiator is execution discipline. ConstructKoin’s presale is a 10-phase, milestone-aligned fundraising (from $0.1 → $1, $100M target) designed to match capital inflows to verifiable product progress. That structure reduces single-event dilution and signals an institutional mindset: funds are released as pilots close, compliance tooling is built, and lender integrations are signed. This contrasts with flash launches that aim for quick coverage but lack operational milestones — making CTK a more credible target for investors seeking repeatable utility rather than social-driven pumps. CTK vs BCH — different roles, complementary exposures Bitcoin Cash (BCH): A payments-focused chain with deep roots in low-cost transfers and merchant settlement. It’s a network asset with established liquidity and adoption in transactional use-cases. ConstructKoin (CTK): A presale-stage protocol focused on financing workflows for real estate and asset-backed lending. CTK is…

Author: BitcoinEthereumNews

2025/10/29

Altcoins to Buy Include Tundra as XRP DeFi Ecosystem Expands

Altcoins to Buy Include Tundra as XRP DeFi Ecosystem Expands

The post Altcoins to Buy Include Tundra as XRP DeFi Ecosystem Expands appeared on BitcoinEthereumNews.com. The cryptocurrency market in late 2025 looks nothing like the speculative surge that defined earlier cycles. Bitcoin’s dominance continues to climb, drawing liquidity away from mid-cap altcoins. Most alternative assets trade near multi-year lows relative to BTC, leaving investors highly selective about where they allocate new capital. In that cautious environment, projects with verifiable structure, proven audits, and transparent economics are standing out. Among those, XRP Tundra has drawn steady participation by focusing on fundamentals rather than hype. It combines dual-chain architecture, sustainable yield design, and a fixed-value presale model tied to the XRP Ledger and Solana networks. Selective Capital in a Risk-Off Cycle Altcoins as a group remain under pressure. The altcoins-to-BTC ratio has retested its 2020 base, reflecting traders’ preference for liquidity and security. Yet blockchain data shows that capital rotation hasn’t disappeared entirely. It has narrowed toward projects offering structural advantages and regulatory clarity. The XRP Ledger’s resurgence since the Ripple ruling has created one such zone of renewed building. This shift benefits initiatives with direct XRPL integration. XRP Tundra has launched with full KYC verification by Vital Block and three independent audits — Cyberscope, Solidproof, and FreshCoins. It aligns with that emphasis on provable security. Instead of chasing short-term volume, it aims to build a predictable reward system anchored in transparent token economics. Presale Progress and Fixed-Value Model XRP Tundra’s presale is now in Phase 8, offering TUNDRA-S at $0.132 with a 12% token bonus. It also offers a free one-to-one allocation of TUNDRA-X, its governance pair on the XRP Ledger. The project’s fixed listing values are $2.5 for TUNDRA-S and $1.25 for TUNDRA-X. It gives investors a quantifiable benchmark instead of open-ended speculation. Over $2 million has been raised so far, with roughly $32,000 distributed through the Arctic Spinner program. It is a transparent on-chain…

Author: BitcoinEthereumNews

2025/10/29

Antony Turner Shapes BlockDAG’s Architecture with CTO Jeremy Harkness, Blending Leadership Vision & Technical Precision

Antony Turner Shapes BlockDAG’s Architecture with CTO Jeremy Harkness, Blending Leadership Vision & Technical Precision

Explore how Antony Turner and CTO Jeremy Harkness design BlockDAG’s core architecture, blending Proof-of-Work and DAG for unmatched scalability and security.

Author: Blockchainreporter

2025/10/29

Mutuum Finance (MUTM) Price Prediction: Analysts Predict 700% Growth for This New Crypto

Mutuum Finance (MUTM) Price Prediction: Analysts Predict 700% Growth for This New Crypto

Every bull market brings a few breakout tokens that start small and grow fast. In 2025, analysts believe Mutuum Finance […] The post Mutuum Finance (MUTM) Price Prediction: Analysts Predict 700% Growth for This New Crypto  appeared first on Coindoo.

Author: Coindoo

2025/10/29

New Crypto Under $1 Gains Momentum Ahead of Upcoming V1 Launch

New Crypto Under $1 Gains Momentum Ahead of Upcoming V1 Launch

As the crypto market begins to show signs of renewed strength, investors are starting to look beyond the big names like Bitcoin and Ethereum for new opportunities. One of the most talked-about projects right now is Mutuum Finance (MUTM) — a decentralized finance (DeFi) protocol gaining serious momentum ahead of its much-anticipated V1 launch. With [...] The post New Crypto Under $1 Gains Momentum Ahead of Upcoming V1 Launch appeared first on Blockonomi.

Author: Blockonomi

2025/10/29

South Korea’s BDACS To Launch KRW1 Stablecoin on Circle’s Arc Blockchain

South Korea’s BDACS To Launch KRW1 Stablecoin on Circle’s Arc Blockchain

The post South Korea’s BDACS To Launch KRW1 Stablecoin on Circle’s Arc Blockchain appeared first on Coinpedia Fintech News BDACS, a South Korean digital asset custodian, is planning to launch the Korean won-backed stablecoin, KRW1, on Circle’s new blockchain. This move marks a major step in expanding Korea’s presence in global digital finance and strengthen its role in the stablecoin market. BDACS brings KRW1 to Circle’s Arc  “This collaboration is a meaningful step for …

Author: CoinPedia

2025/10/29

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