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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.

14697 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Hong Kong Mortgage Market Sees Decline in Applications for August 2025

Hong Kong Mortgage Market Sees Decline in Applications for August 2025

The post Hong Kong Mortgage Market Sees Decline in Applications for August 2025 appeared on BitcoinEthereumNews.com. Joerg Hiller Sep 30, 2025 09:46 The Hong Kong Monetary Authority reports a 6.7% decrease in mortgage applications in August 2025, with notable changes in loan approval and drawdown patterns. The Hong Kong Monetary Authority (HKMA) has released its residential mortgage survey results for August 2025, revealing a significant decline in mortgage applications. According to the HKMA, the number of mortgage applications fell by 6.7% from July, totaling 8,405 applications. Mortgage Loan Approvals and Drawdowns In August, mortgage loans approved decreased by 6.3% compared to the previous month, reaching HK$28.7 billion. The breakdown of these figures shows a 0.7% decrease in loans for primary market transactions, amounting to HK$10.7 billion, while loans for secondary market transactions experienced a more substantial drop of 11.9% to HK$14.6 billion. On the other hand, mortgage loans for refinancing saw an increase of 4.1%, totaling HK$3.3 billion. Despite the overall decline in approvals, the amount of mortgage loans drawn down in August rose by 4.5% compared to July, reaching HK$19 billion. Interest Rate Trends The survey also highlighted changes in the interest rate preferences for new mortgage loans. The proportion of new mortgage loans priced with reference to the Hong Kong Interbank Offered Rate (HIBOR) decreased from 95.7% in July to 94.4% in August. Conversely, loans priced with reference to the best lending rates saw a slight increase from 1.2% to 1.3% over the same period. Outstanding Mortgage Loans and Delinquency By the end of August, the outstanding value of mortgage loans recorded a marginal increase of 0.1%, amounting to HK$1,888.3 billion. The mortgage delinquency ratio remained low at 0.13%, with the rescheduled loan ratio staying nearly unchanged at 0%. For more detailed information, the full report can be accessed on the HKMA website. Image source: Shutterstock…

Author: BitcoinEthereumNews

2025/10/02

Why Experts Are Calling MoonBull a Gem in the 7 Best Cryptos to Buy in New York?

Why Experts Are Calling MoonBull a Gem in the 7 Best Cryptos to Buy in New York?

MoonBull leads the 7 best cryptos to buy in New York with 95% APY staking, smart referrals, and record-breaking presale momentum drawing early investors.

Author: Blockchainreporter

2025/10/02

How The Government Shutdown Freezes SBA Loans and Small Businesses

How The Government Shutdown Freezes SBA Loans and Small Businesses

The post How The Government Shutdown Freezes SBA Loans and Small Businesses appeared on BitcoinEthereumNews.com. A budget standoff in Congress has left the Small Business Administration unable to approve new loans. (AP Photo/J. Scott Applewhite) Copyright 2025 The Associated Press. All rights reserved The federal government shut down at midnight on Oct. 1 after Congress failed to reach a funding deal. Republicans and Democrats remain deadlocked over whether to extend enhanced Obamacare subsidies, scheduled to expire at the end of the year. Essential services continue. Medicare and Medicaid keep running because they’re funded outside annual appropriations. The military, law enforcement, and air traffic control remain on duty without their people getting paid until the shutdown ends. The Postal Service stays open since it funds itself. The courts and IRS can operate for only a limited time before cutbacks take hold. The Small Business Administration (SBA) is another story. A good rule of thumb in shutdowns applies: if the government writes checks, it’s closed; if the government cashes checks, it’s open. The agency furloughed about a quarter of its staff. Approvals for new 7(a) and 504 loans—its bread-and-butter programs—are suspended. That means small businesses can’t get government-backed financing to buy property, purchase equipment, or expand operations. Bob Coleman, publisher of the Coleman Report, a trade publication for SBA lenders, says most banks can work around the disruption for a time. Deals that already have SBA tracking numbers can still close once the paperwork is complete. Lenders can keep underwriting, ordering appraisals, and preparing files in anticipation of the shutdown ending. But they can’t finalize new SBA guarantees until the government reopens. In his words, it’s an inconvenience if the stoppage lasts a couple of weeks. Once it drags past 30 days, that’s when it turns into something more serious. For lenders, the biggest pain point is new approvals. Banks can’t finalize SBA guarantees that weren’t yet…

Author: BitcoinEthereumNews

2025/10/02

Bitcoin Lending Startup Lava Secures $17.5M and Launches Dollar Yield Product

Bitcoin Lending Startup Lava Secures $17.5M and Launches Dollar Yield Product

The post Bitcoin Lending Startup Lava Secures $17.5M and Launches Dollar Yield Product appeared on BitcoinEthereumNews.com. Bitcoin Bitcoin-focused lending platform Lava has drawn fresh backing from high-profile investors while rolling out a product that pays dollar depositors through bitcoin-collateralized loans. The company disclosed a $17.5 million extension to its Series A financing, with participation from Qatar Investment Authority’s Peter Jurdjevic, DST Global’s Saurabh Gupta, and several fintech veterans. The new round follows last year’s $10 million raise led by Founders Fund and Khosla Ventures, further cementing Lava’s reputation as a specialized player in crypto credit markets. Alongside the funding news, Lava introduced a yield program for U.S. dollar holders. The system lends customer deposits to borrowers who post more than double their loan value in bitcoin, a safeguard meant to shield lenders if markets turn volatile. CEO Shehzan Maredia said that this conservative model – focused entirely on BTC rather than a mix of volatile altcoins – distinguishes Lava from other crypto lending outfits. By concentrating on the world’s largest cryptocurrency, Lava avoids risks tied to wrapped assets and weaker collateral pools that have historically undermined lending platforms. Maredia argued that bitcoin-backed loans offer a more stable balance between risk and reward, with interest payments flowing back to dollar providers while the BTC collateral ensures protection. The new yield feature builds on Lava’s core services, which already include dollar borrowing against bitcoin, no-fee bitcoin purchases, and seamless off-ramps to bank accounts. A global spend card with bitcoin cashback is also on the roadmap. The information provided in this article is for educational purposes only and does not constitute financial, investment, or trading advice. Coindoo.com does not endorse or recommend any specific investment strategy or cryptocurrency. Always conduct your own research and consult with a licensed financial advisor before making any investment decisions. Author Alexander Zdravkov is a person who always looks for the logic behind things.…

Author: BitcoinEthereumNews

2025/10/02

Elon Musk’s DOGE cuts haunt real estate as shutdown begins and leases vanish

Elon Musk’s DOGE cuts haunt real estate as shutdown begins and leases vanish

The post Elon Musk’s DOGE cuts haunt real estate as shutdown begins and leases vanish appeared on BitcoinEthereumNews.com. As the 2025 government shutdown kicks off with no end in sight, the damage from Elon Musk’s DOGE project is already hitting property markets across the country. DOGE was Elon’s brainchild during his short stint in federal office, and it’s still tearing through the real estate industry even after he walked away from Washington. As Cryptopolitan reported, the program has cancelled 384 government leases so far, and the DOGE website claims these cancellations saved around $140 million, but that so-called “savings” is crashing headfirst into a financial mess. The federal government used to be the safest possible tenant. Cameron LaPoint, who teaches finance at Yale, said government leases always came with a polite little cancellation clause, but no one actually used it. Landlords saw it as symbolic, not a real threat. DOGE changed that. “If you and I are renting an apartment and cancel the lease, there is a penalty of several months’ rent,” Cameron said. “But when the government cancels a lease, the landlords are left high and dry.” Now it’s happening all over, with cities, towns, blue states, red counties, you name it. DOGE’s calculations assume every lease would’ve been renewed, which isn’t always true. Some of those offices were probably going to close anyway due to agency downsizing or moves. But the volume of closures, and how fast they’ve happened, has made things worse. The government has pulled out of properties big and small, from an 845,000-square-foot building in D.C. to a 250-square-foot Secret Service office in New York City. Landlords lose tenants, lenders lose confidence Commercial loans across the country are now at risk. Cameron said the ripple effect touches “thousands of loans” because the commercial lending system depends on big tenants like the federal government. Banks package those loans and sell them as securities. When…

Author: BitcoinEthereumNews

2025/10/02

Coinbase Surpasses $1 Billion in Bitcoin-Backed Loans via Morpho Platform

Coinbase Surpasses $1 Billion in Bitcoin-Backed Loans via Morpho Platform

Coinbase surpasses $1 billion in bitcoin-backed Onchain loans via Morpho, with plans to reach $100 billion in originations.   Coinbase has crossed a major milestone, surpassing $1 billion in bitcoin-backed Onchain loan originations. This achievement comes just eight months after the service was launched in January 2025.  Powered by the DeFi protocol Morpho, the platform […] The post Coinbase Surpasses $1 Billion in Bitcoin-Backed Loans via Morpho Platform appeared first on Live Bitcoin News.

Author: LiveBitcoinNews

2025/10/02

DOGE canceled 384 federal leases, cutting $140 million in costs but hitting real estate hard

DOGE canceled 384 federal leases, cutting $140 million in costs but hitting real estate hard

As the 2025 government shutdown kicks off with no end in sight, the damage from Elon Musk’s DOGE project is already hitting property markets across the country. DOGE was Elon’s brainchild during his short stint in federal office, and it’s still tearing through the real estate industry even after he walked away from Washington. As […]

Author: Cryptopolitan

2025/10/02

XRP Ledger Launches MPT for Real-World Asset Tokenization

XRP Ledger Launches MPT for Real-World Asset Tokenization

The post XRP Ledger Launches MPT for Real-World Asset Tokenization appeared on BitcoinEthereumNews.com. The XRP Ledger (XRPL) has launched the Multi-Purpose Token (MPT) standard, designed to simplify and secure the tokenization of real-world assets (RWAs). MPT integrates directly into the XRPL protocol, eliminating the need for custom smart contracts. This enables institutions to issue tokens efficiently while addressing regulatory and operational requirements. XRP Ledger Introduces Multi-Purpose Token Standard According to an X post from Kenny, he noted that MPT tokens offer built-in compliance functions, including Know Your Customer (KYC) and Anti-Money Laundering (AML) verification. Additionally, issuers can define transfer rules, restrict token holding to approved users, and enforce supply caps. On-chain metadata allows automated reporting and enhances transparency, while transfer fees can be applied to manage transaction costs. 1/ The Multi-Purpose Token (MPT) standard is now live on the XRP Ledger mainnet. It’s a new native token standard designed to make issuing real-world assets onchain far simpler, safer, and more aligned with how financial institutions operate. pic.twitter.com/1ymso65aJv — Kenny (@kennyzlei) October 1, 2025 This XRP Ledger upgrade follows the successful Smart Escrow Devnet update release by developers last week. Changes related to fees and reserves, function signatures, multi-purpose token (MPToken) issuance, along with bug fixes and code cleanup. Meanwhile, XRP Cafe founder Adam pointed out that MPT trading wasn’t available on DEX. Kenny responded, stating that AMM and DEX support for MPTs is coming soon, and that the team is building incrementally rather than introducing a single major change, with the current MPT features providing a solid foundation for future development. AMM/DEX support for MPTs is coming soon! We are looking to build incrementally instead of introducing one big change. The current MPT feature sets a strong foundation to build upon — Kenny (@kennyzlei) October 1, 2025 Institutional DeFi, Real-World Assets, and Compliance Innovations MPTs are set to support institutional decentralized finance (DeFi) applications.…

Author: BitcoinEthereumNews

2025/10/02

Chainlink Brings Deutsche Börse Market Data On-Chain

Chainlink Brings Deutsche Börse Market Data On-Chain

The post Chainlink Brings Deutsche Börse Market Data On-Chain appeared on BitcoinEthereumNews.com. Blockchain Chainlink has secured one of its most significant wins yet by bringing Deutsche Börse’s institutional market data onto blockchain rails. The German exchange operator, which oversees some of Europe’s largest trading venues, will now feed information from Eurex, Xetra, 360T, and Tradegate directly to decentralized networks. The collaboration allows financial data long confined to traditional platforms to circulate inside DeFi ecosystems, where it can power tokenized products, settlement mechanisms, and risk management tools. Instead of installing new infrastructure, Deutsche Börse can rely on Chainlink’s oracles to push data securely to multiple blockchains. The scale of the integration is substantial: Deutsche Börse processes over €1.3 trillion in trades annually and generates billions of real-time data points. Those streams will now be accessible to thousands of protocols already connected to Chainlink, potentially accelerating the growth of decentralized finance with the same feeds used by global banks. For Chainlink, the deal builds on a string of high-profile partnerships. SWIFT and UBS have previously worked with the oracle network to test tokenized asset settlement, and in the U.S., the Commerce Department is preparing to release official macroeconomic statistics such as GDP and inflation through Chainlink and other providers. By blending Europe’s most trusted market data with decentralized infrastructure, Deutsche Börse and Chainlink are laying the groundwork for a future where traditional finance and blockchain applications run on the same trusted information. The information provided in this article is for educational purposes only and does not constitute financial, investment, or trading advice. Coindoo.com does not endorse or recommend any specific investment strategy or cryptocurrency. Always conduct your own research and consult with a licensed financial advisor before making any investment decisions. Author Alexander Zdravkov is a person who always looks for the logic behind things. He is fluent in German and has more than…

Author: BitcoinEthereumNews

2025/10/02

AI Auditor Flags $2M Smart Contract Bug Before Launch

AI Auditor Flags $2M Smart Contract Bug Before Launch

Vulnerability that would have drained $2 million from decentralized lending protocol was spotted by an AI auditor. The audit was made by Sherlock AI, part of a wave of automated systems entering the security process.

Author: Hackernoon

2025/10/02

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