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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.

14550 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Paydax (PDP) Lending Introduces New Way To Earn With Crypto – Here’s How To Get Started

Paydax (PDP) Lending Introduces New Way To Earn With Crypto – Here’s How To Get Started

The post Paydax (PDP) Lending Introduces New Way To Earn With Crypto – Here’s How To Get Started appeared on BitcoinEthereumNews.com. Paydax (PDP) Lending Introduces New Way To Earn With Crypto – Here’s How To Get Started Zero Paperwork, No Endless Waiting? For generations, traditional financial institutions have made borrowing and lending a slow, stressful, and unexciting process, a problem that seems to have extended into the crypto industry. One would have to undergo several rigorous processes and complete extensive paperwork just to get approval from the bank. Not to mention the pittance these banks give as interest or rewards for assets locked in their vaults. Now, imagine a world with no paperwork, long queues, the need to beg for approval, or unpleasant loan officers determining your fate when borrowing assets. This is the world Paydax (PDP) is building. With PayDax, everyone has the opportunity to borrow, earn, and grow wealth in ways banks never imagined. Join the PayDax (PDP) presale today at only $0.015 to get started. Who Needs Banks When PayDax (PDP) Can Do The Lending? Paydax is a cutting-edge DeFi platform that transforms how you access liquidity, eliminating the need to sell your crypto, staked assets, or even physical items like real estate or luxury watches. The forefront lending platform eliminates banks and other traditional institutions, handing power back to you. With Paydax, you have control over lending, borrowing, and staking in a single, transparent ecosystem.  Furthermore, this groundbreaking infrastructure enables borrowers to select flexible loan-to-value ratios of 50%, 75%, 90%, or 97%, depending on their individual risk tolerance and financial needs. For instance, an investor whose crypto is locked up and needs capital can borrow stablecoins with any of the loan-to-value ratios without actually selling their holdings. This means that the investor’s crypto is still invested, while they receive cash.  Beyond borrowing with crypto, you can also borrow using tangible items, such as gold, real estate, and…

Author: BitcoinEthereumNews

2025/09/23

European Law Panel Addresses The Role Of Legal Community In Environmental Issues

European Law Panel Addresses The Role Of Legal Community In Environmental Issues

The post European Law Panel Addresses The Role Of Legal Community In Environmental Issues appeared on BitcoinEthereumNews.com. The Forum on Conservation, Trade, and Industry for a Sustainable Future at the European Law Institute’s annual meeting in Vienna. (L-R) Virpi Stucki, Pascal Pichonnaz, Adil Najam, Anna Veneziano. Franz Pfluegl – European Law Institute In September, the European Law Institute held its annual meeting in Vienna, Austria. The meeting brings together judges, attorneys, professors, and policy experts from throughout Europe to discuss issues facing the European Union. This year, the meetings focused heavily on climate change policy and its impact on the legal field. The opening forum at the Austrian Academy of Sciences addressed climate change policy and environmental law. These issues were the subject of a panel at the European Law Institute’s annual meeting. ELI is an independent legal think tank funded, in part, by the European Union to draft model laws and provide guidance on emerging topics, focusing on European legal development in a global context. ELI was founded in 2011 and is based at the University of Vienna. ELI Fellows gather in the fall for annual meetings that alternate between Vienna and other host countries in the EU. The 2024 annual meeting was hosted in Dublin, Ireland. The Forum on Conservation, Trade, and Industry for a Sustainable Future was moderated by Pascal Pichonnaz, President of ELI. Christiane Wedehorst, President of the Division of Humanities and Social Sciences at the Austrian Academy of Sciences, provided the welcome message. The panel consisted of Anna Veneziano, Deputy Secretary General of UNIDROIT; Adil Najam, President of the World Wide Fund for Nature (WWF); and Virpi Stucki, Chief of the Division for Fair Production, Sustainability Standards and Trade, United Nations Industrial Development Organization (UNIDO). Najam started the forum by addressing what he thinks the legal community needs to hear from the conservation community. He called for leadership on this issue. Leadership…

Author: BitcoinEthereumNews

2025/09/23

PAXMINING: Earn Over $4,700 Daily Through Professional Cloud Mining Platform

PAXMINING: Earn Over $4,700 Daily Through Professional Cloud Mining Platform

The post PAXMINING: Earn Over $4,700 Daily Through Professional Cloud Mining Platform appeared on BitcoinEthereumNews.com. The cryptocurrency industry is entering a phase of comprehensive regulation. From the launch of BTC and ETH futures in the United States to central banks worldwide exploring blockchain for cross-border payments, cryptocurrencies are no longer a fringe sector but are increasingly integrating into the mainstream financial world. Bitcoin (BTC): The Chicago Board Options Exchange (Cboe) is preparing to launch the first long-term, cash-settled BTC perpetual futures in the U.S. Ethereum (ETH): ETH futures have also joined Cboe’s lineup, expanding options for institutional investors. XRP: BRICS nations and several central banks are quietly testing the XRP Ledger to enable faster, more secure, dollar-independent cross-border transactions. According to reports from CoinDesk and other industry sources, these regulatory developments are creating opportunities for investors seeking safe, predictable daily income. For those looking to transform their income approach without purchasing mining hardware or managing volatile trades, PAXMINING offers a practical solution. What is PAXMINING? PAXMINING is a UK-registered green cloud mining platform that aggregates global computing power. It enables users to earn daily returns without engaging in trading, timing the market, or purchasing expensive mining hardware. Platform Core Advantages ◆ $15 Registration Bonus: New users instantly receive a $15 account credit. ◆ No Hardware Costs: No expensive ASIC devices or maintenance – start with as little as $100. ◆ Green Energy: Powered by 70+ eco-friendly farms (solar, wind, hydro) – reduces costs and carbon footprint. ◆ User-Friendly: No technical knowledge needed – activate contracts with just a few clicks. ◆ Multi-Currency Flexibility: Payouts in 9+ cryptocurrencies: DOGE, BTC, ETH, SOL, USDC, USDT, XRP, LTC, BCH – tailored to your investment strategy. ◆ Daily Payouts: Automated, transparent earnings every 24 hours – principal returned at contract completion. ◆ Customer Support: Available 24/7 with an average response time under 2 minutes. These advantages provide investors with…

Author: BitcoinEthereumNews

2025/09/23

Coinbase launches U.S. futures contract for equities and crypto ETFs

Coinbase launches U.S. futures contract for equities and crypto ETFs

The post Coinbase launches U.S. futures contract for equities and crypto ETFs appeared on BitcoinEthereumNews.com. Key Takeaways Coinbase Institutional introduced the Mag7 + Crypto Equity Index Futures, a contract on Coinbase Derivatives blending exposure to major tech stocks (Magnificent 7) and crypto ETFs. This allows institutional investors to trade a diversified basket of high-profile equities and crypto assets via regulated futures, rather than buying each asset individually. Coinbase Institutional today launched its Mag7 + Crypto Equity Index Futures, a new contract that bundles exposure to major technology stocks and crypto assets into a single tradable product on Coinbase Derivatives, the company’s regulated futures exchange. The product combines the Magnificent 7 tech stocks with crypto exchange-traded funds, allowing investors to gain diversified exposure without directly holding the underlying assets. The Mag7 group represents about 30% of the S&P 500’s market capitalization as of 2025. Source: https://cryptobriefing.com/coinbase-mag7-crypto-index-futures-launch/

Author: BitcoinEthereumNews

2025/09/23

XRPL pushes on institutional DeFi

XRPL pushes on institutional DeFi

The post XRPL pushes on institutional DeFi appeared on BitcoinEthereumNews.com. In brief — The XRPL ecosystem enters the operational phase of institutional DeFi with volumes over $1B in stablecoins and a positioning among the Top‑10 for real-world assets (RWA). The protocol introduces compliance tools, native lending, and advanced tokenization (MPT) for regulated markets. The roadmap integrates features for privacy through zero-knowledge proofs (ZKP) and enterprise tools. According to data collected by Ripple in Q1 2025, institutional activity on XRPL recorded stablecoin flows exceeding $1 billion, and the company announced the acquisition of the prime broker Hidden Road for $1.25 billion on April 8, 2025; see the official report Ripple Q1 2025 Report. The protocol updates released in 2025, as reproduced in the official release notes, enhance observability and introduce permissioned features useful for institutional adoption rippled 2.5.0 release notes. In technical analyses and tests on integration environments, the operators I collaborated with found greater predictability in post-trade flows thanks to extended Token Escrow and Batch Transactions. Introduction DeFi on XRPL (XRP Ledger) emerges from the lab to offer practical solutions aimed at banks, issuers, and market infrastructures. In the first nine months of 2025, there are evident growing volumes on stablecoins and rising RWA metrics, while the protocol expands functionalities oriented towards compliance, risk control, and operations on an institutional scale. The combination of operational tools, protocol updates, and a well-defined roadmap is laying the groundwork for permissioned markets, conditional settlement, and native audit processes. In this context, the ecosystem extends from stablecoin payments to on‑chain credit markets, up to the tokenization of bonds and money funds. Live News: Compliance and Institution-Ready Infrastructure XRPL has launched tools focused on regulatory compliance and operational reliability. The goal is to reduce operational risk, simplify KYC/AML controls, and facilitate integration with banking systems. Credentials (with DID) — Decentralized identities (DID) with attestations of…

Author: BitcoinEthereumNews

2025/09/23

Solana (SOL) Price Could Easily Double in 2025, But Investors Are Doubling Down on This DeFi Altcoin for 43x Returns

Solana (SOL) Price Could Easily Double in 2025, But Investors Are Doubling Down on This DeFi Altcoin for 43x Returns

Solana (SOL) is still one of the best-performing blue-chip altcoins, with analysts opining that its price can easily double during the next leg of the bull rally. While SOL’s scalability and ecosystem expansion justify this optimism, its enormous market cap significantly limits the magnitude of its gains. On the other hand, Mutuum Finance (MUTM) is […]

Author: Cryptopolitan

2025/09/23

A Governance-First DeFi Protocol Surpassing $90M TVL in Just Weeks

A Governance-First DeFi Protocol Surpassing $90M TVL in Just Weeks

The post A Governance-First DeFi Protocol Surpassing $90M TVL in Just Weeks appeared on BitcoinEthereumNews.com. London-based founder Austin Winch brings a new governance-driven approach to DeFi lending with Xauras, already attracting thousands of users and rapid adoption.  Xauras, the decentralized lending protocol founded by Austin Winch, has officially entered the DeFi market and quickly gained momentum. Within weeks of launch, the protocol has already surpassed $90 million in total value locked (TVL) and onboarded more than 12,000 unique wallets, signaling strong adoption and investor confidence. Designed as a third-generation DeFi lending protocol, Xauras aims to solve long-standing challenges in decentralized finance, including governance inefficiencies, risk vulnerabilities, and scalability barriers. Through non-custodial smart contracts, users can supply liquidity and borrow assets in an overcollateralized and transparent system. Interest rates are dynamically calculated in real time, while automated liquidations ensure protocol stability and liquidity provider protection. What sets Xauras apart is its governance-first model. Token holders actively shape the protocol’s future by proposing and voting on economic parameters, upgrades, and new integrations  ensuring that growth is guided by the community rather than centralized mandates. “DeFi has changed the way we think about finance, but it still struggles with scalability and trust issues,” said Austin Winch, Founder of Xauras. “We created Xauras to be modular, secure, and community-led  and the early adoption shows that users are ready for a governance-driven alternative.” Currently live on Ethereum and Arbitrum, Xauras is expanding to Polygon, Optimism, and Solana in Q4 2025. The roadmap also includes NFT-backed lending options, real-world asset collateral frameworks, cross-chain yield aggregation, and a mobile-native dApp to make DeFi lending more accessible to mainstream users. With strong early adoption, transparent governance, and robust security, Austin Winch’s Xauras is positioning itself as a serious contender in the future of DeFi lending. Founded in London by Austin Winch, Xauras is a governance-first decentralized finance protocol designed to provide secure, scalable,…

Author: BitcoinEthereumNews

2025/09/23

Ripple unveils institutional-focused roadmap for XRPL with native lending protocol and ZKP features

Ripple unveils institutional-focused roadmap for XRPL with native lending protocol and ZKP features

The post Ripple unveils institutional-focused roadmap for XRPL with native lending protocol and ZKP features appeared on BitcoinEthereumNews.com. Ripple unveiled a roadmap for the XRP Ledger (XRPL) on Sept. 22 that introduces protocol-level lending, zero-knowledge privacy features, and expanded tokenization standards. The roadmap centers on three core announcements: a native lending protocol scheduled for Version 3.0, confidential Multi-Purpose Tokens arriving in the first quarter of next year, and the immediate availability of compliance tools, including Credentials, Deep Freeze, and transaction simulation capabilities. The native lending protocol will enable pooled lending and underwritten credit to be directly executed at the ledger level through Single-Asset Vaults, which aggregate liquidity and issue transferable vault shares. The system automates loan lifecycle management, including issuance, repayment tracking, and reconciliation, while maintaining off-chain risk assessment where institutions operate established models. Zero-knowledge privacy integration XRPL’s zero-knowledge proof (ZKP) implementation represents the roadmap’s privacy initiative. Confidential Multi-Purpose Tokens, scheduled for release next year, will support privacy-preserving collateral management while maintaining the compliance and auditability standards required by regulated institutions. The ZKP integration will enable proving KYC compliance without revealing personal details, allowing auditors to verify activity while protecting counterparty transaction data, and supporting proof-of-reserves without disclosing sensitive wallet information. These capabilities address institutional requirements for confidential yet compliant on-chain operations. The roadmap also introduced the Multi-Purpose Token (MPT) standard, launching in October, which enables complex financial instruments to carry essential metadata, including maturity dates, tranches, and transfer restrictions, without requiring smart contracts. MPTs allow bonds, money market funds, and structured products to be represented and traded natively on XRPL with full DEX integration planned for seamless trading and AMM liquidity pools. Compliance infrastructure The roadmap also mentioned three features to expand institutional adoption capabilities. The first is credentials linked to Decentralized Identifiers, which enable trusted issuers to attest KYC status and regulatory permissions. The second is Deep Freeze, allowing token issuers to halt transfers from flagged…

Author: BitcoinEthereumNews

2025/09/23

First Market-Neutral, Yield-Paying XRP Solution Sponsored by Axelar & Hyperithm

First Market-Neutral, Yield-Paying XRP Solution Sponsored by Axelar & Hyperithm

The post First Market-Neutral, Yield-Paying XRP Solution Sponsored by Axelar & Hyperithm appeared on BitcoinEthereumNews.com. Key Takeaways: mXRP is the first certificate to offer exposure to market-neutral, yield-paying XRP strategies. It was developed in partnership with Axelar and Hyperithm and leverages on-chain and cross-chain infrastructure. The product can potentially unlock new utility for hibernating XRP holdings by converting them into yield-paying assets. A new benchmark is achieved for XRP holders. mXRP, a structured certificate issued by Midas in collaboration with Axelar and Hyperithm, is a platform for yield generation on XRP independent of price increase. For one of the world’s most traded cryptocurrencies, this is a milestone towards further connection with decentralized finance (DeFi). Read More: XRP Price Prediction – Will It Hit $100 by 2026 and $500 by 2030? What Exactly Is mXRP? mXRP is not a basic wrapped token or derivative. It is a certificate product with the purpose of giving investors exposure to XRP through market-neutral strategies. Market-neutral implies strategies are being built to offset exposure to directional price movements and produce stable yield irrespective of whether XRP increases or decreases. No longer idle in a wallet, XRP can now be tokenized as mXRP and leveraged. Through the certificate, owners are indirectly exposed to activities like liquidity provision, market-making automation, and arbitrage between on-chain markets. The ultimate goal is to establish stable returns independent of market volatility, something never before available to traditional XRP holders. How the Strategies Generate Yield Liquidity and On-Chain Deployment The mXRP certificate takes advantage of DeFi potential within the XRPL EVM universe and beyond. With cross-chain connectivity provided by Axelar, XRP is able to flow into various blockchains and protocols. There, yield is generated through: Liquidity provisioning on decentralized exchanges. Market-neutral arbitrage, hedging price differences between trading pairs. Collateralized strategies, such as lending against stable assets and hedging exposure. All these approaches aim for risk-free returns and…

Author: BitcoinEthereumNews

2025/09/23

XRPL pushes on institutional DeFi: $1B and RWA in Top‑10

XRPL pushes on institutional DeFi: $1B and RWA in Top‑10

The XRPL ecosystem enters the operational phase of institutional DeFi with volumes over $1B in stablecoins, all the details.

Author: The Cryptonomist

2025/09/22

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