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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.

14730 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Ethereum Foundation Executes Bold 1,000 ETH Stablecoin Conversion for Treasury Strength

Ethereum Foundation Executes Bold 1,000 ETH Stablecoin Conversion for Treasury Strength

The Ethereum Foundation (EF) has announced plans to convert 1,000 ETH into stablecoins through CoWSwap’s Time-Weighted Average Price (TWAP) feature. The step reflects its ongoing treasury management policy, which seeks to balance financial sustainability with its mission to support Ethereum’s ecosystem. The Foundation emphasized that this conversion will provide stable funding for research, grants, and […]

Author: Tronweekly

2025/10/04

EU Watchdog Warns of “Urgent” Stablecoin Threat, Citing Systemic Shock Risk – Why?

EU Watchdog Warns of “Urgent” Stablecoin Threat, Citing Systemic Shock Risk – Why?

The European Union’s top financial risk authority has warned that stablecoins could pose a serious threat to financial stability unless urgent safeguards are introduced. In a statement released on October 2, the European Systemic Risk Board (ESRB), chaired by European Central Bank President Christine Lagarde, pointed out vulnerabilities in so-called “third country multi-issuer” stablecoin models and called for immediate policy action. Stablecoins, designed to maintain a steady value by pegging to fiat currencies or government securities, have surged over the past five years into a market worth more than $300 billion, according to DeFiLlama data. The sector is dominated by dollar-backed tokens, with Tether’s USDT controlling more than 58% of the market. Euro-backed tokens, by contrast, account for just 0.15% of the global total. The ESRB, during its 59th General Board meeting on September 25, stressed that interchangeable tokens issued both within and outside the EU contain “built-in vulnerabilities.” Lagarde Pushes Back on Offshore Stablecoin Structures Under MiCA Gaps Under this structure, EU-regulated issuers must hold reserves locally, while non-EU partners manage identical tokens backed abroad. Regulators warn that during times of stress, investors could rush to redeem in the EU, overwhelming local reserves and leaving the bloc exposed to offshore liabilities. According to people familiar with discussions, the ESRB endorsed a recommendation to ban such models. Though non-binding, the move places pressure on EU authorities to either impose restrictions or outline other protections. Both the ECB and ESRB declined to comment on the proposal, but Lagarde has repeatedly shown concern that the bloc’s regulatory framework, known as MiCA, leaves gaps in coverage for cross-border schemes. Lagarde compared the risk to past banking crises, where liquidity mismatches and inadequate reserves destabilized institutions across borders. She argued that unless strong equivalence regimes and safeguards for cross-border transfers are introduced, multi-issuer models should not be permitted to operate in Europe. The warnings come as global financial risks remain elevated. The ESRB noted that investor optimism has pushed asset valuations to record highs, leaving markets vulnerable to reversals. While stress tests show European banks are resilient, weak growth prospects and rising fiscal pressures continue to weigh on stability. The board pointed to ongoing geopolitical tensions and shifting trade policies as additional challenges for Europe’s financial outlook. Stablecoins Face Rising Global Scrutiny as Regulators Warn of Systemic Risks Stablecoins are also under scrutiny elsewhere. Earlier this month, the Bank of England’s Financial Policy Committee warned that poorly managed reserves could trigger fire sales and destabilize broader markets. The committee also flagged the risk of currency substitution, where foreign-denominated stablecoins weaken the use of domestic money. On October 1, Bank of England Governor Andrew Bailey said systemic stablecoins may gain access to central bank accounts but warned that such tokens could reshape Britain’s financial system by separating money-holding from credit provision. In the United States, regulators have moved in a different direction. In July, Congress passed the GENIUS Act, the first federal law covering stablecoins, which sets capital and reserve requirements for issuers. Analysts at Morningstar DBRS project the market could exceed $1 trillion in annual payments by 2030. The firm described stablecoins as programmable money, combining fiat stability with blockchain efficiency to deliver faster, cheaper payments compared to systems such as SWIFT or wire transfers. Still, the rapid expansion of stablecoins has unsettled parts of the U.S. banking sector. Trade associations warn that adoption could drain deposits and disrupt lending. Coinbase has countered this view by releasing research in August, arguing that fears of deposit flight are overstated and that stablecoins reinforce the global role of the dollar. The exchange noted that banks already hold trillions in reserves at the Federal Reserve, offering little benefit to depositors, while stablecoins provide higher yields and near-instant settlement. For European regulators, the debate extends beyond banking competition. Officials warn that reliance on dollar-based tokens undermines financial sovereignty and weakens the effectiveness of monetary policy. ECB adviser Jürgen Schaaf has cautioned that the dominance of U.S. issuers such as Tether and Circle leaves Europe dependent on offshore structures. Circle and Paxos are among the issuers most affected by the EU’s proposed restrictions. Both manage reserves primarily in U.S. dollars and short-term Treasuries, while their EU operations are overseen by regulators in France and Finland. Authorities in both countries have so far declined to comment. The ESRB said it will publish a detailed report on stablecoins, crypto-investment products, and multi-function financial groups in the coming weeks. Its latest risk dashboard shows systemic risks in the EU remain “elevated,” reinforcing why stablecoins are now viewed as a pressing concern

Author: CryptoNews

2025/10/04

Bitcoin lending will x10 by 2028: Maple CEO

Bitcoin lending will x10 by 2028: Maple CEO

The post Bitcoin lending will x10 by 2028: Maple CEO appeared on BitcoinEthereumNews.com. Sid Powell, CEO of Maple Finance, says that Bitcoin lending will reach $200 billion, and that BTC is this generation’s wealth engine. Summary Maple Finance CEO Sid Powell believes that Bitcoin lending will 10x in three years Rate cuts are making DeFi more attractive for investors Bitcoin is this generation’s wealth engine, like housing was for baby boomers Maple Finance has quietly grown into one of the biggest players in crypto credit. Sid Powell, CEO of Maple Finance, told crypto.news that he expects this growth to continue, driven by Bitcoin’s increasing valuation and institutional adoption. For this reason, Powell expects Bitcoin-backed lending to grow 10x in three years, reaching $200 billion in value. He also explained why he believes that Bitcoin will be this generation’s wealth engine, like housing was for baby boomers. crypto.news: You’ve recently surpassed $4 billion in assets under management. Just two weeks ago, that figure was under $3 billion. What’s driving this rapid growth? Sid Powell: Two main things. First, macro conditions. As rate cuts begin or are anticipated, yields in crypto credit become more attractive relative to traditional options. Investors start looking for better returns, and platforms like ours benefit from that shift. Second, DeFi integrations. Our work with Spark and the Sky ecosystem has driven a lot of growth. Launching SyrupUSD (SYRUP) on Plasma was also huge. That cross-chain expansion opened up new capital and user bases very quickly. Our goal is to reach $5 billion by the end of the year, and we’re on track for that. Syrup USD is now the third-largest stablecoin yield product out there, behind Sky and Athena. That’s a strong milestone for us. Looking ahead, we’re working on getting Syrup integrated into Aave and planning launches on a couple more chains before year-end. CN: Do you expect your…

Author: BitcoinEthereumNews

2025/10/04

ArtGis Finance Partners with BoostFi to Advance RWA Settlement and DeFi Asset Management Using AI-Powered Intelligence

ArtGis Finance Partners with BoostFi to Advance RWA Settlement and DeFi Asset Management Using AI-Powered Intelligence

By collaborating with BoostFi, ArtGis brings advanced tools that improve customer experience, boost yields, and empower users to seize market momentum.

Author: Blockchainreporter

2025/10/04

Little Pepe (LILPEPE) Voted Best Crypto to Invest in 2025, Surpassing Shiba Inu’s (SHIB) 300% Forecast.

Little Pepe (LILPEPE) Voted Best Crypto to Invest in 2025, Surpassing Shiba Inu’s (SHIB) 300% Forecast.

Little Pepe (LILPEPE) presale raises $26M and wins community vote as best crypto to invest in 2025, with analysts eyeing 20x–45x upside over Shiba Inu.

Author: Blockchainreporter

2025/10/04

Dogecoin Price Prediction: Is the Market Ready for Its Next 100x Crypto After DOGE?

Dogecoin Price Prediction: Is the Market Ready for Its Next 100x Crypto After DOGE?

Dogecoin (DOGE) made headlines in 2021 with a staggering 10,000% return on investment due to meme-mania, celebrity endorsements, and an ardent fan base. While it remains a well-liked memecoin with an avid following, the market today wants the next 100x gem, a project that has hype but also underlying use. Mutuum Finance (MUTM), a utility-focused DeFi token at $0.035 and 55% already sold out in Phase 6 of its presale takes the spotlight. Unlike DOGE, MUTM has a dual lending economy, real-yield tokenomics, and non-custodial smart contracts and vows both innovation and tangible value. With over 16,710 holders and $16.7 million raised, early investors are making MUTM the cryptocurrency that can give 100x returns in the next bull cycle, maybe doing for DOGE what it did when it went viral but this time with real DeFi usability. Dogecoin Price Prediction: The Fate of the Next Move Rests With Key Trendline Dogecoin (DOGE) is now resting on a critical trendline, and this presents a make-or-break scenario for traders and investors. If the trendline continues, DOGE could bounce back towards $0.26–$0.27, with short-term potential upside. However, a decline below $0.22 could indicate a more pronounced drop, with $0.20 being the next support level within short time frames.  While market participants continue to monitor DOGE’s price action closely, the search for better-appearing opportunities with greater upside potential has many looking to increasing DeFi projects where new-stage tokens are seeing strong traction and momentum. MUTM Presale Momentum Picks Up Pace MUTM tokens now cost $0.035 in Presale Round 6, a 16.17% increase from the previous round. Investor demand remains very high with over 16,710 investors already sending over $16.7 million to date. In an effort to enhance platform security, Mutuum Finance recently launched a $50,000 USDT Bug Bounty Program, and white-hat hackers and developers can report bugs. Four levels of bug severity, i.e., critical, major, minor, and low, have been adopted so that problems could be detected and resolved at an early stage. The protocol is based on solid collateral management in order to secure the network and the participants. Unlimited collateral ratios, lending limits, and deposit limits are some of the security features that make it secure. Closing real-time undercollateral positions and remediation penalties and fees stabilize the platform and reduce systemic risk. Efficiency is central to Mutuum Finance’s design. By optimizing Loan-to-Value (LTV) ratios and taking overcollateralized positions, the protocol participates with as much capital as possible with strong guards. Reserve requirements provide to function as a shock absorber to market swings with overlying reserves which can be used in riskier assets to hedge volatility. Mutuum Finance is revolutionizing decentralized finance on three central axes: long-term viability, trust, and usability. Its secure, scalable borrowing and lending platform is extending DeFi to retail investors and institutions. As a gesture of gratitude to its growing community, Mutuum Finance is hosting a $100,000 giveaway in which 10 winners will get $10,000 worth of MUTM tokens each. The move is indicative of the willingness of the platform to reward early adopters, as well as make the project’s vision more prominent. MUTM, The Next 100x DeFi Opportunity Dogecoin (DOGE) captured the world’s attention in 2021 with over 10,000% ROI, but now people are seeking the next high-upside play with real utility. Mutuum Finance (MUTM) is stepping into that role, with over $16.7 million raised from more than 16,710 holders in Phase 6 presale, now 55% sold. At a price of $0.035, early investors can get in before the next phase raises the price.  With two-sided lending economy, real-yield tokenomics, dynamic collateral management, and a $50,000 bug bounty to improve platform security, MUTM mingles innovation with security. To accompany this, a $100,000 giveaway rewards early adopters. For investors who want to ride potential 100× returns in the coming bull cycle, an option to join MUTM’s presale offers a seldom-seen chance to become part of a fast-growing and utility-driven DeFi ecosystem. For more information regarding Mutuum Finance (MUTM) please use the following links: Website: https://mutuum.com/ Linktree: https://linktr.ee/mutuumfinance

Author: Coinstats

2025/10/04

Walmart majority-owned OnePay’s mobile app to launch crypto trading service

Walmart majority-owned OnePay’s mobile app to launch crypto trading service

The post Walmart majority-owned OnePay’s mobile app to launch crypto trading service appeared on BitcoinEthereumNews.com. OnePay, a fintech firm majority-owned by Walmart, will soon start offering cryptocurrency trading and custody on its mobile app, according to reports. The development comes as crypto continues to gain mainstream adoption, with banks now openly developing crypto offerings and engaging in talks about issuing stablecoins.  The OnePay app aims to be an “everything app” for digital finance, already offering services like high-yield savings accounts, credit and debit cards, and buy now, pay later loans. Customers will be able to trade BTC and Ether first  According to CNBC, which cited sources with knowledge on the matter, OnePay has partnered with Zerohash to offer customers access to Bitcoin and Ether later this year.  If OnePay eventually allows users to hold Bitcoin and Ether in their mobile app, customers may be able to convert their crypto into cash and use the funds to make store purchases or pay off card balances.  OnePay will use its links to Walmart, the world’s largest retailer, which has integrated its app into the in-person and online checkout process at its U.S. locations, giving it access to the 150 million Americans who visit there weekly. This will help it reach a larger audience. However, since it was created as an entity separate from the retailer, its services wouldn’t be limited to only Walmart customers, and would instead look to appeal to the broader population of Americans tuning in to crypto. The crypto rollout is still in the pipeline, but there are already signs that the mobile app is gaining traction. The fintech firm has moved up to No. 5 on Apple’s App Store ranking for free finance apps.  OnePay on track to become America’s version of WeChat super app  The news of OnePay’s plans to offer cryptocurrency confirms that the company has accepted crypto as a core…

Author: BitcoinEthereumNews

2025/10/04

Walmart's OnePay will introduce cryptocurrency trading and custody for Bitcoin and Ether

Walmart's OnePay will introduce cryptocurrency trading and custody for Bitcoin and Ether

OnePay, a fintech firm majority-owned by Walmart, will soon start offering cryptocurrency trading and custody on its mobile app, according to reports. The development comes as crypto continues to gain mainstream adoption, with banks now openly developing crypto offerings and engaging in talks about issuing stablecoins.  The OnePay app aims to be an “everything app” […]

Author: Cryptopolitan

2025/10/04

How Coinbase Profits on Bitcoin-Backed Loans as a ‘Technology Provider’

How Coinbase Profits on Bitcoin-Backed Loans as a ‘Technology Provider’

Coinbase's on-chain lending product has originated over $1 billion in loans since its debut this year.

Author: Coinstats

2025/10/04

Interview | Bitcoin lending will x10 by 2028: Maple CEO

Interview | Bitcoin lending will x10 by 2028: Maple CEO

Sid Powell, CEO of Maple Finance, says that Bitcoin lending will reach $200 billion, and that BTC is this generation’s wealth engine. Maple Finance has quietly grown into one of the biggest players in crypto credit. Sid Powell, CEO of…

Author: Crypto.news

2025/10/04

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