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.

15029 Articles

Created: 2026/02/02 18:52

Updated: 2026/02/02 18:52

Bitcoin Crashes, Banks Crack – Investors Flee to Gold for Safety

The post Bitcoin Crashes, Banks Crack – Investors Flee to Gold for Safety appeared on BitcoinEthereumNews.com. Bitcoin Global financial markets are once again on edge. The combination of a prolonged U.S. government shutdown, growing tensions in the trade war with China, and mounting pressure on regional banks has rattled investor confidence. Wall Street’s fragile calm is showing new fractures, with risk appetite evaporating across multiple asset classes. Stocks are sliding, the banking sector is under scrutiny, and investors are rushing toward traditional safe havens. As uncertainty deepens, the contrast between asset classes could not be sharper. Bitcoin has plunged to $105,000, leading a broad crypto market sell-off that wiped total capitalization down to $3.6 trillion. The collapse follows last Friday’s unprecedented liquidation event, when over $20 billion in leveraged crypto positions were erased in a single day – the largest liquidation in history, dwarfing both the 2020 COVID crash and the 2022 FTX bankruptcy by more than 20 times. While crypto traders face historic losses, gold has surged to fresh record highs as investors abandon risk and seek shelter in hard assets. The move underscores a dramatic shift in sentiment, with money flowing away from speculative markets and into perceived stores of value. Cracks Begin to Show The unease isn’t limited to digital assets. U.S. stock futures fell sharply Friday morning, extending Thursday’s slide as new concerns emerged about bank lending practices. Futures tied to the Dow Jones Industrial Average dropped around 1%, while S&P 500 and Nasdaq 100 futures were down 1.3% and 1.5%, respectively. Behind the numbers lies a growing sense of déjà vu. A subprime auto lender recently collapsed, revealing portfolios stuffed with high-risk loans and, according to creditors, possible large-scale fraud. Soon after, First Brands – a key auto parts supplier – filed for bankruptcy, disclosing over $2 billion in hidden debts and triggering a Justice Department investigation into opaque financing. Jamie…

Author: BitcoinEthereumNews

2025/10/17

What Crypto to Invest In During Q4 2025? Analysts Favor a DeFi Protocol With Utility

As Q4 2025 begins, investors across the market are reviewing their portfolios.

Author: Cryptodaily

2025/10/17

Stablecoins Fuel $670B Loans According to Visa, Boosting $BEST

Stablecoins aren’t just for crypto traders anymore. According to reports from Visa and KPMG, they’re becoming a core part of the global financial system.

Author: Brave Newcoin

2025/10/17

One Simple Reason Why Bitcoin, Ether, XRP, Solana Can’t Catch a Break

The post One Simple Reason Why Bitcoin, Ether, XRP, Solana Can’t Catch a Break appeared on BitcoinEthereumNews.com. In a story that’s becoming too familiar to crypto bulls, prices are sliding sharply on Thursday even as gold and silver once gain notch new record highs. Bitcoin BTC$105,340.95 has tumbled about 2% over the past hour to $108,800, now mostly having given up its bounce from the Friday crash. The action across the rest of crypto shows even steeper declines, with ether ETH$3,757.87, XRP$2.2513 and solana SOL$179.42 among those sporting roughly 3% dips over the last sixty minutes. Precious metals, however, continue to be extremely well bid, with gold higher by another 2% to a new record just below $4,300 per ounce. Silver is ahead 3.6% and also at a new record. What gives? Wondering what’s keeping bitcoin BTC$105,340.95 and other major tokens under pressure after last week’s much-needed flush out of excess leverage? The likely catalyst is the tightening liquidity in the financial system, which seems to be tempering investor risk appetite. The ongoing tightening is evident from the spread between secured overnight financing rate (SOFR) and the effective federal funds rate (EFFR), which has risen to 0.19 from 0.02 in one week, reaching the highest since December 2024, according to data source TradingView. SOFR represents the cost of borrowing cash overnight using U.S. Treasury securities as collateral in the repo market. The borrowers are typically banks, broker-dealers, asset managers, money market funds, and insurance companies. SOFR is considered almost risk-free, secured rate based on actual transaction data. Meanwhile, EFFR indicates the weighted average interest rate at which banks lend excess reserves to other banks overnight in the federal funds market. It is an uncollateralized, unsecured interbank lending rate, influenced primarily by the Federal Reserve’s monetary policy. When the SOFR rises above the EFFR, it indicates that lenders are demanding a higher return even for secured borrowing backed…

Author: BitcoinEthereumNews

2025/10/17

The Evolution of Smart Contracts: From DeFi to Real-World Use Cases

The post The Evolution of Smart Contracts: From DeFi to Real-World Use Cases appeared on BitcoinEthereumNews.com. A Brief History of Smart Contracts and The Rise of DeFi When computer scientist Nick Szabo first proposed the idea of “smart contracts” in the 1990s, it was a little more than a theoretical concept, but an intriguing vision of automating agreements through code. Fast forward to today, and that concept has become a cornerstone of the blockchain revolution. Smart contracts are self-executing agreements encoded on a blockchain, triggered automatically when predefined conditions are met. They remove the need for intermediaries, reduce human error, and increase transparency. While the early use of smart contracts centred on simple transactions, their potential has grown far beyond. The real turning point came with Ethereum’s launch in 2015, which provided a programmable blockchain that allowed developers to create decentralised applications (dApps). This innovation sparked the rise of Decentralised Finance (DeFi)—a new financial ecosystem powered entirely by code. In DeFi, lending, trading, and investing could happen peer-to-peer, without banks or brokers. DeFi introduced mainstream audiences to the immense power of smart contracts. Billions of pounds’ worth of assets now flow through automated protocols like Uniswap, Aave, and MakerDAO. Yet, while DeFi remains a vital proving ground, the evolution of smart contracts has just begun. In 2025, they’re moving beyond finance, into legal, healthcare, real estate, and many other industries. They are transforming the way to manage trust, compliance, and transactions. Emerging Applications in Legal Tech, Healthcare, and Real Estate As the blockchain industry matures, smart contracts are finding fertile ground in new sectors. Let’s explore how three major industries are embracing them. Legal Tech: Automating Trust and Compliance For years, the legal sector has faced criticism for being slow, expensive, and overly dependent on paperwork. Smart contracts are changing that. Through blockchain-based automation, legal professionals can now encode key contract terms directly into digital logic.…

Author: BitcoinEthereumNews

2025/10/17

Google’s $3 billion investment in Cipher Mining

The post Google’s $3 billion investment in Cipher Mining appeared on BitcoinEthereumNews.com. Homepage > News > Business > Google’s $3 billion investment in Cipher Mining Near the end of September 2025, mining BTC became difficult after the halving, even though the global hashrate rose significantly. Google’s (NASDAQ: GOOGL) response? They invested $3 billion into Cipher Mining Inc. (CIFR) (NASDAQ: CIFR) for an artificial intelligence (AI) project in Texas. On September 25, Bloomberg highlighted a deal that could reshape the mining landscape, where BTC’s massive computing power is being combined with the surging demand for AI infrastructure. With BTC priced at about $112,000, this helps Cipher’s financial situation and transforms miners into big players in the $400 billion AI world, creating opportunities for different and ongoing business. The deal demonstrates how Big Tech’s AI plans are aligning with mining setups. It’s more than just a team-up; we’re seeing miners branch out from Bitcoin to support AI—a move that could redefine how value is created across the sector. Cipher Mining is a publicly listed company on Nasdaq that focuses on utilizing inexpensive, renewable energy in Texas. The 10-year deal with Fluidstack, an AI firm backed by Google, is a huge deal. With Google promising to help fund the deal, Cipher is poised for $1.1 billion in growth. The deal ensures Cipher receives $300 million annually from AI, which is significantly more than the $28 million it generated from mining BTC in Q2 2025. This comes after Google invested $1.4 billion in TeraWulf’s Texas locations, hinting at a potential trend. Tech firms are renting miners’ unused, high-power spots for GPU groups. What’s the big deal about this? Well, it’s happening when things are already tough. On September 18, mining BTC became harder than ever, making it more competitive and less profitable. After the 2024 halving, many U.S. miners will spend over $65,000 to mine just…

Author: BitcoinEthereumNews

2025/10/17

Solana to $500? Grok’s Prediction as Snorter Token Could Be Next Crypto to Explode

Quick Facts: 1️⃣ Solana is targeting a short-term rebound toward $260 after holding strong support around the $175-$190 zone. 2️⃣ According to Grok, Solana could mirror a BNB-style rally and surge past $500 once it breaks above $250. 3️⃣ Snorter Token ($SNORT) is quickly gaining traction as the best SOL-based crypto and could be the […]

Author: Bitcoinist

2025/10/17

US Dollar extends slide, Gold surges past $4,300

The post US Dollar extends slide, Gold surges past $4,300 appeared on BitcoinEthereumNews.com. Here is what you need to know on Friday, October 17: Gold’s impressive rally remains uninterrupted, with the precious metal surging to a new record-high well above $4,300. Meanwhile, the US Dollar (USD) continues to weaken against its rivals because of the uncertainty surrounding the US-China relations and the ongoing government shutdown. The US economic calendar will feature Industrial Production data for September on Friday. US Dollar Price This week The table below shows the percentage change of US Dollar (USD) against listed major currencies this week. US Dollar was the weakest against the Swiss Franc. USD EUR GBP JPY CAD AUD NZD CHF USD -0.69% -0.60% -1.50% 0.49% 0.90% 0.46% -1.50% EUR 0.69% 0.10% -0.75% 1.18% 1.71% 1.16% -0.84% GBP 0.60% -0.10% -0.84% 1.08% 1.56% 1.06% -0.96% JPY 1.50% 0.75% 0.84% 1.94% 2.37% 2.01% -0.08% CAD -0.49% -1.18% -1.08% -1.94% 0.37% -0.01% -2.01% AUD -0.90% -1.71% -1.56% -2.37% -0.37% -0.49% -2.52% NZD -0.46% -1.16% -1.06% -2.01% 0.00% 0.49% -2.00% CHF 1.50% 0.84% 0.96% 0.08% 2.01% 2.52% 2.00% The heat map shows percentage changes of major currencies against each other. The base currency is picked from the left column, while the quote currency is picked from the top row. For example, if you pick the US Dollar from the left column and move along the horizontal line to the Japanese Yen, the percentage change displayed in the box will represent USD (base)/JPY (quote). The risk-averse market atmosphere allowed Gold to benefit from safe-haven flows and gather strength on Thursday. Resurfacing concerns over regional banks’ lending practices and quality of loans in the US weighed heavily on Wall Street’s main indexes, and dragged the benchmark 10-year US Treasury bond yield to its weakest level since early April below 4%, helping XAU/USD stretch higher. Early Friday, Gold clings to moderate daily gains…

Author: BitcoinEthereumNews

2025/10/17

Florida Pushes New Bill to Invest 10% of Public Funds in Bitcoin and Other Digital Assets

        Highlights:  Florida proposes allowing 10% of public funds to be invested in Bitcoin and other digital assets. The bill expands beyond Bitcoin, adding strict rules for managing and securing digital holdings. Florida’s crypto move mirrors other U.S. states aiming to modernize financial systems through digital assets.  On Wednesday, Florida lawmaker Webster Barnaby introduced a bill to allow the state to invest public funds in Bitcoin and other digital assets. The proposal was unveiled during the 2026 legislative session. House Bill 183 would let the state’s Chief Financial Officer invest up to 10% of selected public funds, including the Budget Stabilization Fund, the General Revenue Fund, and other trust funds, in digital assets and exchange-traded products. The bill would also allow the State Board of Administration to invest up to 10% of the Florida Retirement System’s Trust Fund in digital assets. Florida Bill Defines Bitcoin and Other Digital Assets Under Strict Rules The bill says digital assets include digital assets like Bitcoin, crypto exchange-traded products (ETFs), non-fungible tokens, crypto securities, and other blockchain-based products. House Bill 183 mentions that the digital assets must follow strict rules and can be held by the CFO, a qualified custodian, or an SEC-registered ETF.  The proposal suggests that BTC and other digital assets could strengthen Florida’s finances by serving as stores of value and hedges against inflation. It also cites an executive order from US President Donald Trump that created a federal Bitcoin strategic reserve, noting that Florida aims to follow his example. “This state seeks to align its policy with these national directives by creating a secure, transparent framework to lawfully acquire, hold, and manage Bitcoin and other digital assets as part of its broader fiscal strategy,” the bill stated.   NEW: Florida files first Strategic Bitcoin Reserve bill of the 2026 legislative session. House Bill 183 would allow the state to invest 10% of public funds in digital assets, and permits retirement fund investment. pic.twitter.com/sI4bUBiiB3 — Bitcoin Laws (@Bitcoin_Laws) October 16, 2025  The new crypto bill is similar to Webster’s earlier proposal (HB 487), which was stopped in May. However, this new version adds extra rules for keeping, managing, and lending digital assets safely. It includes clear standards for how these assets should be stored and recorded. Another big change in the new bill is that it allows investments in more than just Bitcoin. This change could help the state diversify its digital asset portfolio if the bill is approved. If the bill is approved, the new policy will take effect on July 1, 2026.  Florida takes strategic Bitcoin reserve bills off the table Two Florida crypto bills have been removed from the legislative process in the latest blow to American state-level strategic Bitcoin reserve ambitions. Florida’s House Bill 487 and Senate Bill 550 have been… pic.twitter.com/18iz5FFW8o — ME (@MetaEraHK) May 6, 2025  Florida’s Bitcoin Bill Could Shape Future of State Crypto Investments The new House Bill 183 follows examples from Arizona, New Hampshire, and Texas, according to Bitcoin Laws. Many other states plan to revisit such proposals in early 2026. “States are now trying to modernize their financial systems,” said Julian Fahrer, founder of Bitcoin Laws.  The bill is waiting for hearings in the Florida House. It will only become law if the Senate approves it and the governor signs it. As the bill moves forward, Florida’s proposal could test whether digital assets can truly support public finance. It will also show whether U.S. states are ready to manage Bitcoin like a modern-day sovereign wealth fund.    eToro Platform    Best Crypto Exchange   Over 90 top cryptos to trade Regulated by top-tier entities User-friendly trading app 30+ million users    9.9   Visit eToro eToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk. Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment, and you should not expect to be protected if something goes wrong.

Author: Coinstats

2025/10/17