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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.

14979 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
USDT0 and XAUT0 Launch on Solana, Expanding Omnichain Access

USDT0 and XAUT0 Launch on Solana, Expanding Omnichain Access

The post USDT0 and XAUT0 Launch on Solana, Expanding Omnichain Access appeared on BitcoinEthereumNews.com. Omnichain versions of Tether’s stablecoin USDt (USDT) and Tether Gold (XAUT) are now available on Solana through Legacy Mesh, an interoperability network built on LayerZero that connects native stablecoin liquidity across multiple blockchains; this could position Solana as a competitive settlement layer for onchain finance and real-world assets (RWAs). The deployment of USDT0 and XAUT0 effectively brings Tether’s digital dollar and tokenized gold to Solana, potentially merging stablecoin liquidity with real-world asset use cases. Unlike Tether’s USDT stablecoin, USDT0 is not issued by Tether. Instead, it is part of a third-party omnichain liquidity network designed to unify existing native USDT liquidity across multiple blockchains. As such, Solana integration potentially strengthens Tether’s omnichain footprint, following earlier USDT0 deployments on Ethereum, OP Superchain, Polygon, TON and Arbitrum. Legacy Mesh enables interoperability by linking native USDT liquidity pools, allowing stablecoins to move between networks without relying on wrapped tokens or third-party bridges. However, bridging risks and liquidity fragmentation remain ongoing challenges across multichain systems, making it difficult to forecast how much of USDT liquidity will actually migrate to Solana. According to the companies, the expansion increases access to Tether’s USDt, the largest stablecoin by market capitalization, with a total circulating supply of about $180 billion. Since launch, USDT0 products have processed more than $25 billion in bridge volume across over 32,000 transfers, the companies said. USDT’s circulating supply. Source: DefiLlama Tamar Menteshashvili, head of stablecoins at the Solana Foundation, said the integration will support growth in decentralized finance, payments and institutional-grade financial products on Solana. In practical terms, this could include treasury management, remittances and collateralized lending. While XAUT0 is lesser known, it represents an omnichain version of Tether Gold, which has gained attention amid the yearlong surge in gold prices. XAUT brings the yellow metal onto the blockchain, giving it programmable features…

Author: BitcoinEthereumNews

2025/10/16

Markets await comments from central bankers, Gold renews record-high

Markets await comments from central bankers, Gold renews record-high

The post Markets await comments from central bankers, Gold renews record-high appeared on BitcoinEthereumNews.com. Here is what you need to know on Thursday, October 16: Gold extended its record run to a new all-time high above $4,240 early Thursday after gaining more than 1.5% on Wednesday. As markets stabilize in the European session, XAU/USD corrects lower but holds above $4,200. With the US government shutdown causing postponement of US data releases, investors will pay close attention to comments from central bankers in the second half of the day. 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 -0.28% -0.48% -0.56% 0.30% 0.10% 0.05% -0.62% EUR 0.28% -0.20% -0.23% 0.57% 0.48% 0.33% -0.36% GBP 0.48% 0.20% 0.00% 0.77% 0.66% 0.52% -0.18% JPY 0.56% 0.23% 0.00% 0.80% 0.62% 0.65% -0.11% CAD -0.30% -0.57% -0.77% -0.80% -0.22% -0.22% -0.94% AUD -0.10% -0.48% -0.66% -0.62% 0.22% -0.13% -0.83% NZD -0.05% -0.33% -0.52% -0.65% 0.22% 0.13% -0.70% CHF 0.62% 0.36% 0.18% 0.11% 0.94% 0.83% 0.70% 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 US Dollar (USD) continued to weaken against its major rivals midweek, pressured by the uncertainty surrounding the US-China trade relations. Although US Treasury Secretary Scott Bessent said that they don’t want to decouple from China, he noted that China was trying to erect new trade barriers. After losing about 0.4% on Wednesday, the USD Index holds steady…

Author: BitcoinEthereumNews

2025/10/16

Trump Family’s Crypto Empire Surpasses $1 Billion in Profits

Trump Family’s Crypto Empire Surpasses $1 Billion in Profits

The post Trump Family’s Crypto Empire Surpasses $1 Billion in Profits appeared first on Coinpedia Fintech News U.S. President Donald Trump and his family have reportedly earned over $1 billion in pre-tax profits from their ventures in the digital asset world over the past year. What started as a small NFT experiment with Trump-themed trading cards has evolved into a massive crypto empire, covering meme coins, stablecoins, tokens, and even DeFi platforms. …

Author: CoinPedia

2025/10/16

Hyperliquid HIP3 Ecosystem Gold Rush: What are some potential Alpha projects?

Hyperliquid HIP3 Ecosystem Gold Rush: What are some potential Alpha projects?

Author: Rhythm Worker Hyperliquid's performance this year has been impressive enough. But Hyperliquid's true ambition goes far beyond this. The recently launched HIP-3 upgrade has transformed Hyperliquid from a Perp dex into another new type of composable financial Lego. The HIP-3 ecosystem currently encompasses over 20 projects, covering multiple verticals, including trading front-ends, liquidity staking, DeFi protocols, AI infrastructure, and prediction markets. This ecosystem has a distinct characteristic: most projects are still in the testnet phase, team members often use pseudonyms, and funding is primarily self-raised, seemingly perfectly aligned with Hyperliquid's core values of rejecting venture capital. What's most interesting about this ecosystem is that they're all trying to apply perpetual swaps to new scenarios—whether it's pre-IPO company equity, traditional stocks, commodities, computing power resources, or even yield itself. The permissionless framework provided by HIP-3 is unleashing unexpected innovation. Although still in its early stages, several high-TVL projects, such as Kinetiq ($1.9 billion TVL), Unit ($800 million TVL), and Felix ($300 million TVL), have already demonstrated significant influence. BlackBeats has selected 16 HIP-3 ecosystem projects for introduction: Trading front end Based Based is a trading superapp built on Hyperliquid and backed by Ethena Labs. It offers spot and perpetual futures trading (with 40x leverage), a Based Visa card, portfolio management, and an affiliate program. It also has a cool feature called Based Streams—a DEX-powered livestreaming service where creators can broadcast their trading sessions, receive token tips, and reward viewers with HyperCore. Based launched Based Streams on October 10th, becoming the first front-end to support the HIP-3 market. It also deployed the first XYZ100-USD index market, which saw $35 million in 24-hour trading volume. iOS and Android apps are expected to be released in mid-2025. Liquid Liquid is a mobile-first trading app built specifically for Hyperliquid. It offers non-custodial perpetual futures trading (up to 100x leverage), yield strategies, and curated financial news. To lower the barrier to entry, Liquid integrates email registration, simplifies wallet complexity, and makes it easy for average users to get started. The team has professional backgrounds in AI and cryptocurrency, and extensive experience in DeFi and mobile development. The app, which launched on the App Store on August 8th, integrates Privy for instant registration and revenue generation, and is currently in public beta. Aura Aura is a mobile social crypto app integrated with Hyperliquid. Its core concept is to turn trading into a social activity. Users can trade with friends in real time, track each other's assets, and explore new tokens together, turning the traditional trading experience into a warm and engaging social experience. Liquidity staking and lending Kinetiq Exchange Kinetiq is a liquidity staking protocol on Hyperliquid and boasts the highest TVL in the ecosystem, reaching $1.9 billion. Users who stake HYPE receive kHYPE tokens as liquidity certificates, which can be delegated to top validators via StakeHub. kHYPE can also be used as collateral for HIP-3 perpetual contracts, significantly lowering the barrier to entry for deployment. Even more impressive is Kinetiq's Launch platform, built on HIP-3. This platform allows teams to deploy their own perpetual contract exchange without requiring significant upfront capital, simply by crowdfunding the kHYPE staking pool. Currently, Kinetiq has approximately 36 million HYPE staked, representing approximately 10% of the circulating supply. Felix Felix is a HyperEVM-based DeFi lending and CDP platform forked from Liquity V2. Users can borrow using assets like HYPE or uBTC as collateral, conduct peer-to-peer lending through the Vanilla market, and mint the feUSD stablecoin. Felix utilizes a variable interest rate model, providing users with flexible lending options. Its current TVL stands at $300 million. Innovative trading products Unit Unit focuses on tokenizing spot assets rather than perpetual contracts, complementing the ecosystem by providing native spot liquidity for HIP-3 perpetual contracts. It is the largest deployer of spot assets on Hyperliquid and the first HIP-3 project to launch on mainnet, holding a variety of assets including BTC, ETH, and SOL. Unit is also exploring the launch of perpetual contract markets for major US stocks like Tesla and Google through HIP-3, bringing traditional financial assets onto the blockchain. The team, comprised of members from top institutions such as HRT, Jump, and Fortress, currently boasts a TVL of $831 million. Ventuals Ventuals is a decentralized derivatives platform focused on perpetual futures trading for private, pre-IPO companies. Want to trade SpaceX or OpenAI equity? You can on Ventuals, supporting up to 10x leverage. The platform uses optimistic oracles and the vHYPE liquidity staking mechanism. Instead of raising venture capital, it was self-funded through the community-minted "Sekai Kappas" NFT in September 2025. Ventuals will launch its testnet in early 2025 and will open vHYPE staking deposits on October 16th to test perpetual contracts for over ten private companies. This is the flagship project of HIP-3, extending perpetual contracts to off-chain assets for the first time and demonstrating the potential for real-world application of HIP-3. Volmex Volmex is bringing volatility-based products to HIP-3. It has released the BVIV/EVIV index for BTC and ETH, serving as a fear index for the crypto market (similar to the VIX index in traditional finance). Volmex plans to launch volatility perpetual contracts within Hyperliquid's Builder Markets framework, allowing traders to directly trade market volatility. Nunchi Nunchi is building a yield-targeted perpetual swap exchange, transforming yields and interest rate spreads into tradable perpetual derivatives. The platform offers two product categories: yield perpetuals (based on APY/interest rate) and basis perpetuals (based on price ratios). On HIP-3, Nunchi launched FR-Perpetuals, a meta-market for funding rates for other perpetual contracts, focused on complementing HIP-3's staking and fee income. Hyperbolic Hyperbolic has launched commodity perpetual futures on Hyperliquid, using the HIP-3 standard and equipped with institutional-grade infrastructure. This allows users to trade perpetual contracts for traditional commodities like oil, gold, and natural gas, bringing physical commodities to the blockchain. Ddot Ddot is building a commodity exchange based on HIP-3, focusing on physical commodities and tradable real-world asset markets. Compared to Hyperbolic's financial derivatives, Ddot focuses more on the trading and circulation of commodities themselves. Infrastructure Global Compute Index A real-time cloud GPU computing pricing dashboard and market index aggregates spot and on-demand prices for major GPUs (H100, H200, A100, etc.), providing daily and 30-day averages. We are also building the world's first HIP-3-based perpetual futures computing platform, acting as an oracle provider to feed aggregated price data into the permissionless perpetual market. The core product is operational, displaying real-time spot prices. On-chain extensions are under development, including integration with Seda's oracle. Sekai Sekai is a Liquidity Staking Token (LST) protocol that allows anyone to easily create CoreWriter-based LST assets on the HyperEVM. Designed for HIP-3 "unicorns" (high potential deployers), it addresses the high barrier to entry of 500,000 HYPE. Companies, projects, communities, and institutions can launch their own liquidity staking tokens through Sekai, with plans to provide LST support for every HIP-3 DEX. Flow DEX Flow DEX is a globally compliant liquidity provider and OTC/market-making infrastructure company. It helps Hyperliquid scale, increase on-chain depth, attract institutional capital, and support token issuance across exchanges and protocols. As the ecosystem's liquidity backstop, Flow DEX plays a critical role behind the scenes. other Hyperbet Hyperbet is building a decentralized casino and gambling platform on the HyperEVM, offering on-chain gambling games and a socialized gambling experience. While this field is fraught with controversy, it is indeed a promising direction for blockchain applications. OnlyVibes OnlyVibes is a trading community and signal-sharing group on Hyperliquid. It offers trading ideas, real-time market analysis, and trading tips to help members identify trends and manage risk. It seems more like a community of traders than a technical product.

Author: PANews

2025/10/16

Peter Thiel’s Erebor Bank Gets Green Light to Serve Crypto and Tech Companies

Peter Thiel’s Erebor Bank Gets Green Light to Serve Crypto and Tech Companies

TLDR Erebor Bank, backed by Peter Thiel, Palmer Luckey, and Joe Lonsdale, received preliminary approval from the OCC to operate as a national bank The bank aims to serve tech startups, AI companies, defense firms, and crypto businesses left without banking after Silicon Valley Bank collapsed in 2023 OCC Comptroller Jonathan Gould stated digital asset [...] The post Peter Thiel’s Erebor Bank Gets Green Light to Serve Crypto and Tech Companies appeared first on CoinCentral.

Author: Coincentral

2025/10/16

Tether Launches Powerful Open-Source Wallet Kit to Revolutionize USDT Ecosystem

Tether Launches Powerful Open-Source Wallet Kit to Revolutionize USDT Ecosystem

Tether, the company behind the world’s largest stablecoin USDT, is gearing up to release its fully open-source Wallet Development Kit (WDK) this week. CEO Paolo Ardoino confirmed the update on X, noting that the kit will include ready-to-use starter wallets for both iOS and Android users. The kit aims to simplify wallet creation by providing […]

Author: Tronweekly

2025/10/16

USDT0 Legacy Mesh Integrates Solana, Unlocking Interoperability for Native USDT and Omnichain Tether Gold

USDT0 Legacy Mesh Integrates Solana, Unlocking Interoperability for Native USDT and Omnichain Tether Gold

[PRESS RELEASE – Road Town, British Virgin Islands, October 15th, 2025] As demand for stablecoins and real-world assets grows, USDT0 is unifying stablecoin liquidity on Solana and reinforcing Solana’s position as a leading hub for digital dollars and real-world finance. Today, USDT0, the unified liquidity network for the world’s most widely used stablecoin Tether (USDT) […]

Author: CryptoPotato

2025/10/16

Peter Thiel’s Erebor Bank Gets OCC Approval as Washington Softens Stance on Crypto-Linked Banking

Peter Thiel’s Erebor Bank Gets OCC Approval as Washington Softens Stance on Crypto-Linked Banking

In a move signaling a subtle but significant policy shift in Washington, the Office of the Comptroller of the Currency (OCC) has granted preliminary conditional approval to Erebor Bank, a new financial institution backed by technology prominents Peter Thiel, Palmer Luckey, and Joe Lonsdale. The approval, announced Wednesday, marks the first de novo bank to receive national authorization under Comptroller Jonathan Gould, according to the Financial Times. Erebor Bank, headquartered in Columbus, Ohio, filed its application on June 11, and its approval follows a four-month regulatory review. “I am committed to a dynamic and diverse federal banking system, and our decision today is a first but important step in living up to that commitment,” Gould said. Gould’s accompanying remarks indicated a notable shift from the regulator’s previous restrictive look: the OCC “does not impose blanket barriers to banks that want to engage in digital asset activities.” That statement shows one of the clearest indications yet that U.S. banking regulators may be reconsidering their restrictive stance toward crypto-linked financial services, which was further exacerbated by the 2023 collapses of several crypto banks. Analysts view the OCC’s decision as a watershed moment for the industry, a sign that Washington is ready to experiment with responsible crypto banking, provided institutions can demonstrate robust compliance and risk controls. If Erebor secures full authorization, it could become a test case for how regulators manage digital asset exposure within federally chartered banks and a potential model for others seeking to bridge the gap between traditional banking and digital finance. The question now shifts to what Erebor will offer. After SVB’s Fall, Erebor Bank Steps In to Serve Tech and Crypto Businesses In the wake of Silicon Valley Bank’s dramatic collapse in 2023, which sent shockwaves through the startup and venture capital ecosystem, Erebor Bank is emerging as a deliberate attempt to fill the vacuum left in the financing of America’s economy. Erebor seeks to serve clients in high-growth, high-tech sectors, including artificial intelligence, defense, manufacturing, and digital assets, as well as payment processors, venture funds, and trading firms. The bank’s charter aims to operate as a full-service national bank, offering both traditional deposit and lending services, while integrating digital asset operations under a tightly regulated framework. According to its filings, Erebor expects to hold approximately $1 million in cryptocurrency for transactional purposes, indicating limited but deliberate exposure to digital assets. Unlike the risk-heavy approach that defined some of its predecessors, Erebor’s model aims for conservatism and compliance. A source close to the company told the Financial Times that Erebor aims to be “a stable, low-risk, reliable bank doing normal banking things without screwing everyone over with undue risk.” The fall of SVB, along with Silvergate, Signature Bank, and First Republic, had left tech startups and crypto firms struggling to find stable banking partners. This disruption forced many to seek offshore or non-traditional solutions, a gap Erebor now seeks to fill with institutional discipline and Silicon Valley know-how. Still, Erebor is not fully operational yet. The OCC’s conditional approval means the institution must complete a series of compliance, cybersecurity, and capital adequacy reviews, a process that could take several months, before receiving a final charter. How Erebor’s Approval Reflects Washington’s Crypto Policy Pivot Erebor’s approval comes amid broader regulatory momentum in Washington. President Donald Trump recently signed the GENIUS Act, a landmark bill establishing oversight rules for stablecoin issuers, while Congress continues to debate broader crypto market structure legislation and limits on a central bank digital currency (CBDC). The new policy climate has encouraged several crypto-linked firms, including Coinbase, Circle, and Ripple, to pursue national trust or banking charters with the OCC. In May, the OCC issued updated guidance confirming that banks may buy and sell cryptocurrencies held in custody at the direction of customers, an important reversal of prior restrictions. The policy also allows institutions to outsource crypto custody and execution to third parties, provided they meet strict safety and soundness standards. The clarification marked a clear shift toward integrating crypto activities within federally regulated banks. Gould’s appointment in June reinforced that direction. The former Bitfury executive and OCC veteran was confirmed by the Senate in a narrow 50–45 vote, becoming the agency’s first permanent chief since 2020. His background in blockchain and digital assets has shaped a more open stance toward innovation in banking. Under his leadership, the OCC has already removed references to “reputation risk” in its internal guidance, a change viewed as reducing barriers for banks engaging in crypto-related services. Despite the shift, some lawmakers have voiced concerns about the growing ties between politics and cryptocurrency. In August, Senators Elizabeth Warren, Chris Van Hollen, and Ron Wyden urged Gould to investigate potential conflicts of interest related to President Trump’s personal involvement in crypto ventures, particularly a stablecoin called USD1 issued by World Liberty Financial. The senators questioned whether the OCC could maintain impartial oversight as it becomes the primary regulator for stablecoins under the GENIUS Act

Author: CryptoNews

2025/10/16

PBOC sets USD/CNY reference rate at 7.0968 vs. 7.1021 previous

PBOC sets USD/CNY reference rate at 7.0968 vs. 7.1021 previous

The post PBOC sets USD/CNY reference rate at 7.0968 vs. 7.1021 previous appeared on BitcoinEthereumNews.com. The People’s Bank of China (PBOC) set the USD/CNY central rate for the trading session ahead on Thursday at 7.0968 compared to the previous day’s fix of 7.0995 and 7.1186 Reuters estimate. PBOC FAQs The primary monetary policy objectives of the People’s Bank of China (PBoC) are to safeguard price stability, including exchange rate stability, and promote economic growth. China’s central bank also aims to implement financial reforms, such as opening and developing the financial market. The PBoC is owned by the state of the People’s Republic of China (PRC), so it is not considered an autonomous institution. The Chinese Communist Party (CCP) Committee Secretary, nominated by the Chairman of the State Council, has a key influence on the PBoC’s management and direction, not the governor. However, Mr. Pan Gongsheng currently holds both of these posts. Unlike the Western economies, the PBoC uses a broader set of monetary policy instruments to achieve its objectives. The primary tools include a seven-day Reverse Repo Rate (RRR), Medium-term Lending Facility (MLF), foreign exchange interventions and Reserve Requirement Ratio (RRR). However, The Loan Prime Rate (LPR) is China’s benchmark interest rate. Changes to the LPR directly influence the rates that need to be paid in the market for loans and mortgages and the interest paid on savings. By changing the LPR, China’s central bank can also influence the exchange rates of the Chinese Renminbi. Yes, China has 19 private banks – a small fraction of the financial system. The largest private banks are digital lenders WeBank and MYbank, which are backed by tech giants Tencent and Ant Group, per The Straits Times. In 2014, China allowed domestic lenders fully capitalized by private funds to operate in the state-dominated financial sector. Source: https://www.fxstreet.com/news/pboc-sets-usd-cny-reference-rate-at-70968-vs-71021-previous-202510160118

Author: BitcoinEthereumNews

2025/10/16

Ripple Empowers Africa: Partners with Absa to Launch Secure, Bank-Grade Crypto Custody

Ripple Empowers Africa: Partners with Absa to Launch Secure, Bank-Grade Crypto Custody

In a major development for Africa’s digital asset environment, Ripple has collaborated with Absa Group. It is one of South Africa’s biggest financial organizations. This move is to launch a bank-grade cryptocurrency custody service. This initiative symbolizes a strategic initiative toward institutional use cases of cryptocurrency in the nation. Also Read: Ripple’s XRPL Attackathon Offers […]

Author: Tronweekly

2025/10/16

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