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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.

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Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Why Big Investors Are Adding Mutuum Finance (MUTM) Alongside Ripple (XRP) in Portfolios in 2025

Why Big Investors Are Adding Mutuum Finance (MUTM) Alongside Ripple (XRP) in Portfolios in 2025

Ripple (XRP) has long been a favorite among investors betting on cross-border payment adoption, and it still holds a solid place in many portfolios heading into 2025. But lately, big investors are pairing it with Mutuum Finance (MUTM), a newer coin. Even at $0.035 in presale in its presale phase 6, MUTM is gaining attention […]

Author: Cryptopolitan

2025/09/21

Cardano Price Prediction: Will ADA Reach $5 in 2025, and Can Mutuum Finance (MUTM) Beats Its ROI This Cycle?

Cardano Price Prediction: Will ADA Reach $5 in 2025, and Can Mutuum Finance (MUTM) Beats Its ROI This Cycle?

The post Cardano Price Prediction: Will ADA Reach $5 in 2025, and Can Mutuum Finance (MUTM) Beats Its ROI This Cycle? appeared on BitcoinEthereumNews.com. Cardano (ADA) has been the toughest Ethereum competitor for a while, and there are some bulls contemplating a push towards $5 should the upcoming market cycle work out. However, while ADA’s promise is supported by sustained adoption and network growth, Mutuum Finance (MUTM) is building up steam for its explosive ROI prospects.  At just $0.035 in presale, MUTM is built on a twin lending-and-borrowing platform for real-world utility that creates a growth narrative stronger than ADA’s. Mutuum Finance could leave Cardano much behind before ADA even reaches $5. Cardano: Resistance Ahead Amid Strong Fundamentals Cardano (ADA) is trading around $0.90, with recent price movement capped by resistance just above $1.00. In this scenario, price action shows that while support at $0.80 remains solid, significant upside may be difficult under current conditions without new catalysts or increased capital flows. Network expansion is still going on at a slow pace, governance upgrades, staking rewards, and smart contract enhancement are ongoing, which keeps ADA’s basement price intact. However, comparatively speaking, Mutuum Finance is offering higher potential return under current market conditions. Mutuum Finance (MUTM) Exceeds Expectations Mutuum Finance is now in stage six of its presale at $0.035 after its 16.17% increase from the previous stage. The market is witnessing unprecedented demand for the project where more than 16,410 investors have joined and exceeded $16.1 million in funds raised. Mutuum Finance (MUTM) also initiated a $50,000 USDT Bug Bounty Program for the platform’s security. The bugs have been segmented on four levels depending on the tag critical, major, minor, and low. Mutuum Finance possesses strong safety measures for any asset which is collateraled so that protocol’s and user’s safety are not lost. They possess target collateral ratios, lending and deposit limits. Off close undercollateralized positions are incentivized as a means of maintaining systemic…

Author: BitcoinEthereumNews

2025/09/21

Outdated Banks Can’t Compete With Crypto Rails

Outdated Banks Can’t Compete With Crypto Rails

The post Outdated Banks Can’t Compete With Crypto Rails appeared on BitcoinEthereumNews.com. Fintech 20 September 2025 | 19:05 Brian Armstrong has never hidden his frustration with traditional finance, but his latest comments make clear how far he intends to push Coinbase beyond its roots. In a conversation with Fox Business, the CEO described a future where Coinbase replaces the role of everyday banks by bundling payments, lending, credit cards, and even yield opportunities into a single crypto-powered platform. Rather than simply being a place to buy Bitcoin, Armstrong wants Coinbase to serve as the primary account people use for their financial lives. The vision, he argued, is possible because blockchain rails eliminate many of the inefficiencies that consumers still pay for. He pointed to card fees as an example, questioning why digital transactions should cost two or three percent each time when they’re little more than lines of code moving across the internet. The company is already experimenting with products that could bring this vision closer. One initiative is a card that offers up to 4% back in Bitcoin, setting it apart from the cash-back model of traditional banks. Another is the integration of Morpho, a decentralized lending protocol that lets users earn yield on USDC without leaving the Coinbase app. Armstrong’s super-app dream is unfolding against a backdrop of changing regulation in Washington. He welcomed recent progress, citing the GENIUS Act and broader market structure proposals as evidence that lawmakers are finally establishing rules of the road. To him, regulatory clarity is no longer a distant hope but a train that has already left the station. That doesn’t mean the path is free of tension. Coinbase maintains partnerships with banking giants like JPMorgan and PNC, yet Armstrong hinted at a cultural clash, saying policy divisions within those firms sometimes work against innovation. Meanwhile, critics from bank-backed groups have attacked Coinbase’s USDC…

Author: BitcoinEthereumNews

2025/09/21

Traders debate if MUTM could be the next big crypto like ETH

Traders debate if MUTM could be the next big crypto like ETH

The post Traders debate if MUTM could be the next big crypto like ETH appeared on BitcoinEthereumNews.com. Disclosure: This article does not represent investment advice. The content and materials featured on this page are for educational purposes only. Ethereum eyes $5k as Mutuum Finance raises $16m, emerging as a strong DeFi competitor with its dual-market model. Summary Ethereum eyes $5k as DeFi heats up, while Mutuum Finance raises $16m to launch its dual-market lending protocol. Mutuum combines Peer-to-Contract and Peer-to-Peer lending, boosting liquidity and capital efficiency for users. Lenders earn mtTokens with yield, while borrowers unlock credit without selling assets, keeping market exposure. Ethereum (ETH) is again getting attention with analysts debating whether it will be able to get back to the $5000 mark.  ETH is one of the most prominent crypto assets that have been driving the world of decentralized finance and have formed the backbone of numerous blockchain applications over the years. Meanwhile, Mutuum Finance (MUTM), a presale project, is attracting a crowd due to its dual-market lending model and advancement towards the launch. It has accrued over $16 million in funding and the observers see it as a potential competitor in the DeFi arena. From ETH’s DeFi unlock to MUTM’s lending unlock The most important innovation in Ethereum was the initiation of smart contracts that led to the introduction of decentralized financial protocols that have become an essential part of the market since then. On the same note, Mutuum Finance is developing a protocol that aims to combine two strategies: a Peer-to-Contract (P2C) market and a Peer-to-Peer (P2P) marketplace. The P2C model allows users to deposit stablecoins, including USDT, USDC, DAI, or major tokens, like BTC, ETH, SOL, ADA, and LINK, in audited smart contracts. This makes borrowers get access to liquidity as the interest rates vary dynamically to ensure that the supply and demand balance. In exchange, lenders are issued with mtTokens, which…

Author: BitcoinEthereumNews

2025/09/21

Coinbase CEO: Outdated Banks Can’t Compete With Crypto Rails

Coinbase CEO: Outdated Banks Can’t Compete With Crypto Rails

In a conversation with Fox Business, the CEO described a future where Coinbase replaces the role of everyday banks by […] The post Coinbase CEO: Outdated Banks Can’t Compete With Crypto Rails appeared first on Coindoo.

Author: Coindoo

2025/09/21

Next Shiba Inu? Whales Quietly Accumulate AlphaPepe During Presale

Next Shiba Inu? Whales Quietly Accumulate AlphaPepe During Presale

The hunt for the next Shiba Inu (SHIB) never stops. As retail traders chase meme coins capable of parabolic runs, crypto whales are already making quiet moves in presales where the upside is greatest. One name that keeps surfacing in these conversations is AlphaPepe (ALPE)—a project blending meme culture with real-time delivery of features during […] The post Next Shiba Inu? Whales Quietly Accumulate AlphaPepe During Presale appeared first on Live Bitcoin News.

Author: LiveBitcoinNews

2025/09/21

Which Tokens Are Set to 15x by 2026? Here’s Where to Put Your Money

Which Tokens Are Set to 15x by 2026? Here’s Where to Put Your Money

The post Which Tokens Are Set to 15x by 2026? Here’s Where to Put Your Money appeared on BitcoinEthereumNews.com. Cardano (ADA) has amassed a devoted community over the years, with consistent ecosystem growth and a robust community backing it. However, when it comes to price appreciation potential leading into 2026, analysts are also highlighting new Mutuum Finance (MUTM).  Sold at the presale price of just $0.035, MUTM is a lending and borrowing protocol that will bring valuable utility to the DeFi market, which the majority of investors feel is the building block towards long-term adoption. The project has raised over $16.01 million and has over 16,410 token holders. While ADA may still be posting steady gains, Mutuum Finance is being positioned as the token that could potentially record a 15x return in the next cycle. Cardano Maintains Steady Growth  Cardano (ADA) is trading at $0.88, still above its recent support level of $0.80 as resistance trades around the $1.10 mark. It has shown stable ecosystem expansion, particularly in staking and governance, that continue to underpin investor sentiment. While general market expectations are that ADA has room to make substantial gains leading up to 2026, its larger market cap and relative maturity may put a ceiling on how fast it expands. Investors, on the other hand, are looking at Mutuum Finance, for more percentage upside in 2025. Understanding Mutuum Finance The protocol actively handles liquidity and volatility in such a manner that it can short illiquid positions on good terms. Risk exposure is zero, while liquidation points are radically minimal. It comes with stablecoins and ETH and other levels of LTV for risk assets collateralized by lower-risk assets. It also features a proportionally allocated reserve factor by asset class and one that optimizes the protocol reserve safety. Mutuum Finance (MUTM) presale is now ongoing. Stage 6 presale investors can buy MUTM for $0.035. Already, there are over 16,410 investors who…

Author: BitcoinEthereumNews

2025/09/20

Mutuum Finance (MUTM): A Retail-Friendly DeFi Token with Real-World Lending Utility

Mutuum Finance (MUTM): A Retail-Friendly DeFi Token with Real-World Lending Utility

Solana (SOL) has been trading in a rangebound pattern over recent weeks, leaving investors searching for a crypto that offers more predictable growth and robust utility. Enter Mutuum Finance (MUTM), a retail-friendly DeFi token designed to deliver substantial returns while providing real-world lending and borrowing solutions. Unlike SOL, which relies heavily on network hype and ecosystem adoption, Mutuum Finance (MUTM) integrates both P2C and P2P lending mechanisms to serve diverse market participants. In the P2C model, a user will deposit $10,000 USDC into the smart contract, receiving mtUSDC at a 1:1 ratio. With a projected 14% APY, by the end of the year this deposit will generate $1,400 in yield, demonstrating how everyday investors will earn tangible returns while contributing to liquidity on the platform. Borrowers will also experience enhanced utility. For example, an investor will pledge $2,000 worth of ETH as collateral at 75% LTV, accessing liquidity without selling their underlying asset. The Stability Factor will continuously monitor the collateral-to-loan ratio, ensuring that positions remain secure and operational risks remain low. Liquidation thresholds for ETH are set at 80%, allowing liquidators to efficiently repurchase undercollateralized positions at a discount, preserving the system’s solvency. This innovative design ensures that participants using MUTM will enjoy predictable outcomes, a feature that retail investors will increasingly appreciate amid market fluctuations. Presale Performance and FOMO Drive MUTM Demand Mutuum Finance (MUTM) has already attracted significant attention during its presale. Phase 6 will trade at $0.035 with 40% of its 170 million token allocation already sold, generating $15.8 million in revenue and building a community of over 16,350 holders. Certified by a rigorous CertiK audit, achieving a Token Scan Score of 90 and a CertiK Skynet Score of 79, MUTM will demonstrate strong security standards that investors will trust. With more than 12,000 Twitter followers actively monitoring updates, community engagement will continue to grow. The upcoming Phase 7 price at $0.04 represents a 15% increase, creating strong FOMO as this will be the last opportunity to acquire tokens at a discounted rate. In addition to stable lending, Mutuum Finance (MUTM) will allow P2P lending for higher-risk assets such as SHIB or FLOKI. These isolated pools will ensure that volatility in riskier markets will not affect the stability of core assets. Furthermore, the $50,000 bug bounty program will reward security researchers based on severity levels: Critical $2,000, Major $1,000, Medium $500, and Low $200, incentivizing proactive reporting and reinforcing investor confidence in the protocol. To enhance community participation, the ongoing $100K giveaway will reward ten winners with $10,000 each in MUTM tokens, creating immediate engagement and adoption incentives. The project will leverage Layer-2 technology, providing faster transaction speeds and dramatically reduced costs compared to Layer-1 networks. Early access through the beta launch will allow investors to experience live lending, borrowing, and staking functionalities, offering first-hand insight into MUTM’s utility. Real-time activity will showcase how liquidity management and efficient liquidation mechanics will protect the protocol during periods of heightened volatility, reinforcing its reliability for both retail and institutional participants. Investors from Phase 1 will see impressive gains as the presale progresses. A $12,000 investment originally moved from SOL to MUTM will have already realized a 4.5X increase by Phase 6. When the token eventually lists at $0.06, these early investors will see further exponential growth, driven by Layer-2 throughput, platform adoption, and the growing utility of MUTM in P2C and P2P lending ecosystems. Conclusion The combination of real DeFi use cases, strategic presale phases, and sophisticated risk management will make Mutuum Finance (MUTM) a top contender for short-term and long-term gains. Analysts will point to its transparent liquidity systems, community-focused incentives, and security protocols as key factors driving demand. The platform’s ability to deliver yields, preserve capital, and provide a seamless lending and borrowing experience will position MUTM as a superior investment over SOL in the weeks leading to September’s close. Mutuum Finance (MUTM) will emerge as the crypto that balances growth, utility, and security. With presale metrics, Layer-2 speed, a beta launch, and structured lending mechanics, MUTM is set to capture attention from retail and institutional investors alike. As the crypto fear and greed index swings and questions around why is crypto going up dominate conversations, MUTM will stand out as a token offering tangible utility and high upside among crypto coins. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance :::tip This story was published as a press release by Btcwire under HackerNoon’s Business Blogging Program. Do Your Own Research before making any financial decision. ::: \n \n \n \n

Author: Hackernoon

2025/09/20

CFTC Appoints Crypto Leaders to Digital Asset Markets Subcommittee

CFTC Appoints Crypto Leaders to Digital Asset Markets Subcommittee

The post CFTC Appoints Crypto Leaders to Digital Asset Markets Subcommittee appeared on BitcoinEthereumNews.com. The Commodity Futures Trading Commission (CFTC) has appointed new members to its Global Markets Advisory Committee (GMAC) and subcommittees, adding several crypto industry leaders to the Digital Asset Markets Subcommittee (DAMS) — a move that underscores the regulator’s continued engagement with the sector.  CFTC Acting Chair Caroline D. Pham named four new DAMS members: Katherine Minarik, chief legal officer at Uniswap Labs; Avery Ching, co-founder and chief technology officer of Aptos Labs; James J. Hill, managing director and head of structure innovation at BNY; and Ben Sherwin, general counsel at Chainlink Labs. In addition, Scott Lucas, head of digital assets at JPMorgan, was appointed co-chair of DAMS alongside Sandy Kaul, executive vice president at Franklin Templeton. They succeed Caroline Butler, who previously served as co-chair. “We look forward to working with the Commission and broader industry partners to help shape clear and effective regulatory frameworks in a well-structured digital asset market,” Lucas said in a statement.  Kaul added that she aims to continue advancing digital asset innovation into the mainstream “with prudent and well-designed consumer protections, enabling greater efficiencies and opportunities for all investors.” Source: Caroline D. Pham Created to provide the CFTC with expert guidance on cryptocurrency, blockchain and tokenized markets, the DAMS advises the agency on risks and opportunities, develops policy recommendations, and works to bridge traditional and decentralized finance. Pham was designated Acting Chair of the CFTC on President Donald Trump’s inauguration day in January, having served as a Commissioner since April 2022. Her current commissioner term runs until April 2027, allowing her to remain in the role until a permanent chair is appointed. Related: US Senate Democrats offer competing framework for crypto market structure Wall Street deepens its blockchain bet as pro-industry regulation takes hold The latest appointments underscore the growing bridge between traditional and decentralized…

Author: BitcoinEthereumNews

2025/09/20

Essential Guide: Why Smart Companies Are Securing Their Future with Crypto Treasuries

Essential Guide: Why Smart Companies Are Securing Their Future with Crypto Treasuries

BitcoinWorld Essential Guide: Why Smart Companies Are Securing Their Future with Crypto Treasuries In today’s rapidly evolving financial landscape, understanding how to manage digital assets is becoming paramount for businesses. A critical shift in perspective is emerging: viewing crypto treasuries not as mere speculative holdings, but as fundamental strategic reserves. This isn’t just a trend; it’s a strategic imperative, according to industry leaders like HashKey Capital CEO Deng Chao. Why Are Crypto Treasuries Essential Strategic Reserves? Deng Chao emphasizes that only companies with robust, long-term strategies and strong governance can truly thrive in the often-volatile cryptocurrency market. He believes that treating digital assets like any other core treasury holding – akin to gold or fiat currency reserves – is crucial for sustained success. This approach helps companies: Diversify Assets: Reduce reliance on traditional asset classes. Mitigate Risk: Potentially hedge against inflation or currency devaluation. Future-Proof Operations: Position the company at the forefront of digital finance innovation. Integrate Digital Economy: Prepare for a future where digital assets play a more central role in commerce and operations. This long-term vision is what separates resilient firms from those caught in short-term market fluctuations. By embedding digital assets into their foundational financial planning, companies can unlock new opportunities and enhance their overall financial stability. Complementary Power: ETFs and Digital Asset Treasuries There’s a common misconception that crypto ETFs (Exchange-Traded Funds) and direct crypto treasuries are competing solutions. However, Chao clarifies that they are, in fact, complementary. ETFs offer an accessible way for a broader range of investors to gain exposure to cryptocurrencies without direct ownership or management. On the other hand, a company’s digital asset treasury strategy is designed for deeper integration. It allows businesses to: Hold cryptocurrencies directly on their balance sheet. Utilize digital assets for operational purposes, such as international payments or liquidity management. Participate in decentralized finance (DeFi) protocols for yield generation or lending, if aligned with risk tolerance and governance. Explore Web3 applications and partnerships that require native digital asset holdings. Therefore, while ETFs provide a regulated investment vehicle, crypto treasuries empower companies to actively participate in and leverage the digital asset ecosystem within their core business functions. Crafting Your Company’s Resilient Crypto Treasury Strategy Building a successful digital asset treasury requires more than just buying some Bitcoin. It demands careful planning and execution. Companies should consider these actionable insights: Establish Clear Governance: Develop explicit policies for acquisition, custody, accounting, and risk management of digital assets. Prioritize Security: Implement robust security measures, including multi-signature wallets and institutional-grade custody solutions, to protect your holdings. Adopt a Long-Term Perspective: Resist the urge for speculative trading. Focus on the strategic value and potential for long-term growth. Seek Expert Guidance: Partner with firms specializing in digital asset management and treasury solutions to navigate complexities and ensure compliance. Understand Regulatory Landscape: Stay informed about evolving regulations in different jurisdictions, as this impacts compliance and operational strategy. By approaching crypto treasuries with diligence and foresight, businesses can transform potential challenges into strategic advantages, securing their place in the future of finance. In conclusion, the message from HashKey Capital’s CEO is clear: the era of viewing digital assets purely as speculative plays is fading. Forward-thinking companies are recognizing the profound strategic value of integrating crypto treasuries into their core financial framework. This shift isn’t just about holding digital currency; it’s about adopting a resilient, future-oriented approach to treasury management that can drive long-term stability and growth in a dynamic global economy. Embracing this perspective is not merely an option, but an essential step for businesses aiming to thrive in the digital age. Frequently Asked Questions (FAQs) About Crypto Treasuries Q1: What exactly are crypto treasuries for a company? A1: Crypto treasuries refer to a company’s holdings of various digital assets, such as cryptocurrencies (like Bitcoin or Ethereum) and stablecoins, as part of its corporate balance sheet. They are managed as strategic reserves, similar to traditional cash or bond reserves. Q2: Why should companies view crypto treasuries as strategic reserves? A2: Viewing them as strategic reserves allows companies to diversify their balance sheet, potentially hedge against inflation, prepare for the future of digital commerce, and integrate digital assets into their long-term operational and financial strategies, rather than just treating them as short-term speculative investments. Q3: How do crypto treasuries differ from investing in crypto ETFs? A3: Crypto ETFs offer indirect exposure to digital assets, often managed by a fund, and are primarily investment vehicles. Crypto treasuries, however, involve a company directly owning and managing digital assets on its balance sheet, allowing for operational use cases, deeper integration into business processes, and direct control over the assets. Q4: What are the main challenges in establishing a digital asset treasury? A4: Key challenges include navigating regulatory uncertainty, managing market volatility, ensuring robust security and custody solutions, developing clear internal governance policies, and understanding the tax implications of digital asset holdings. Q5: What kind of companies would benefit most from establishing crypto treasuries? A5: Companies involved in technology, international trade, Web3 development, or those with significant cash reserves looking for diversification and long-term growth potential in the digital economy would benefit significantly. Any forward-thinking business aiming for innovation and resilience can explore this strategy. If you found this article insightful, consider sharing it with your network! Help us spread the word about the strategic importance of digital assets in modern business. Your shares make a difference! To learn more about the latest crypto market trends, explore our article on key developments shaping Bitcoin institutional adoption. This post Essential Guide: Why Smart Companies Are Securing Their Future with Crypto Treasuries first appeared on BitcoinWorld.

Author: Coinstats

2025/09/20

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