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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.

16230 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Massive 750 Million ADA Transfer to Binance: What This Whale Movement Means for Cardano

Massive 750 Million ADA Transfer to Binance: What This Whale Movement Means for Cardano

BitcoinWorld Massive 750 Million ADA Transfer to Binance: What This Whale Movement Means for Cardano In a move that has sent ripples through the cryptocurrency community, blockchain tracker Whale Alert reported a staggering transaction: 750,000,000 ADA, valued at approximately $347 million, was transferred from an unknown wallet to the Binance exchange. This colossal ADA transfer to Binance immediately raises critical questions about market sentiment and potential price volatility for Cardano. […] This post Massive 750 Million ADA Transfer to Binance: What This Whale Movement Means for Cardano first appeared on BitcoinWorld.

Author: bitcoinworld

2025/12/10

Massive Move: KindlyMD Secures a Landmark $210 Million USDT Loan from Kraken Operator

Massive Move: KindlyMD Secures a Landmark $210 Million USDT Loan from Kraken Operator

BitcoinWorld Massive Move: KindlyMD Secures a Landmark $210 Million USDT Loan from Kraken Operator In a move that signals growing institutional confidence in crypto-based finance, Nasdaq-listed Bitcoin firm KindlyMD has secured a monumental $210 million loan. The capital, denominated in the USDT stablecoin, comes from Payward Interactive, the powerhouse behind the Kraken exchange. This landmark KindlyMD USDT loan deal represents a significant evolution in how major players in the […] This post Massive Move: KindlyMD Secures a Landmark $210 Million USDT Loan from Kraken Operator first appeared on BitcoinWorld.

Author: bitcoinworld

2025/12/10

The Bold Proposal Set To Supercharge DeFi Lending

The Bold Proposal Set To Supercharge DeFi Lending

The post The Bold Proposal Set To Supercharge DeFi Lending appeared on BitcoinEthereumNews.com. Aave V3 On MegaETH: The Bold Proposal Set To Supercharge DeFi Lending Skip to content Home Crypto News Aave V3 on MegaETH: The Bold Proposal Set to Supercharge DeFi Lending Source: https://bitcoinworld.co.in/aave-v3-megaeth-proposal-launch/

Author: BitcoinEthereumNews

2025/12/10

OCC Guidance May Enable U.S. Banks to Facilitate Bitcoin Brokerage Transactions

OCC Guidance May Enable U.S. Banks to Facilitate Bitcoin Brokerage Transactions

The post OCC Guidance May Enable U.S. Banks to Facilitate Bitcoin Brokerage Transactions appeared on BitcoinEthereumNews.com. The Office of the Comptroller of the Currency (OCC) has ruled that U.S. national banks can engage in riskless principal transactions with crypto-assets like Bitcoin, treating them as standard brokerage activities without market risk exposure. This decision, outlined in Interpretive Letter #1188 released on 9 December, allows banks to buy and resell digital assets directly to customers, fostering integration into traditional banking. OCC Interpretive Letter #1188 enables riskless principal crypto brokerage for national banks. Bitcoin and non-security crypto-assets fall under existing brokerage powers, reducing reliance on third-party platforms. Released on 9 December, the letter aligns with the GENIUS Act, promoting regulated onshore crypto markets; over 4,000 U.S. banks could now participate. Discover how the OCC’s latest ruling on crypto brokerage empowers U.S. banks to handle digital assets securely. Explore implications for Bitcoin trading and regulatory shifts—stay ahead in the evolving crypto landscape today. What Does the OCC Interpretive Letter #1188 Mean for Crypto Brokerage? OCC interpretive letter #1188 confirms that U.S. national banks have the legal authority to perform riskless principal transactions involving crypto-assets that are not classified as securities, such as Bitcoin. This means banks can purchase these digital assets and immediately resell them to customers without taking on market risk, integrating crypto brokerage into routine banking operations. The ruling builds on prior OCC guidance and clarifies that such activities align with established powers under federal law, providing banks with a clear path to offer crypto services directly. How Does the GENIUS Act Influence This Regulatory Shift? The GENIUS Act has played a pivotal role by eliminating outdated barriers and establishing a unified framework for digital assets across federal regulators. Enacted to modernize financial laws, it addresses ambiguities in tokenized assets and brokerage, allowing agencies like the OCC to extend traditional rules to emerging technologies. According to experts at…

Author: BitcoinEthereumNews

2025/12/10

Bullish on risk assets in a fractured world

Bullish on risk assets in a fractured world

Written by: @arndxt_xo Compiled by: AididiaoJP, Foresight News In short: I am bullish on risk assets in the short term because AI capital expenditure, consumption driven by the wealthy, and still relatively high nominal growth are all structurally favorable to corporate profits. To put it more simply: when borrowing costs are low, “risky assets” usually perform well. But at the same time, I have serious doubts about the story we're currently telling about what all this means for the next decade: Sovereign debt problems cannot be resolved without a combination of inflation, financial repression, or unforeseen events. Fertility rates and population structure will implicitly limit real economic growth and quietly amplify political risks. Asia, especially China, will increasingly become a key definer of both opportunities and tail risks. Therefore, the trend continues, and we should continue to hold those profit-generating engines. However, building a portfolio requires recognizing that the road to currency devaluation and demographic restructuring will be fraught with difficulties, not smooth sailing. The Illusion of Consensus If you only read the opinions of major institutions, you might think we live in the most perfect macro world: Economic growth is “resilient,” inflation is sliding toward the target, artificial intelligence is a long-term tailwind, and Asia is a new engine for diversification. HSBC’s latest Q1 2026 outlook clearly reflects this consensus: stay in the equity bull market, overweight technology and communication services, bet on AI winners and Asian markets, lock in investment-grade bond yields, and use alternative and multi-asset strategies to smooth out volatility. I actually partially agree with that view. But if you stop there, you'll miss the really important story. Beneath the surface, the reality is: A profit cycle driven by AI capital expenditures is far more powerful than people imagined. A monetary policy transmission mechanism that has become partially ineffective due to the massive public debt piling up on private balance sheets. Some structural time bombs—sovereign debt, a collapse in birth rates, and geopolitical restructuring—are irrelevant to the current quarter, but crucial to what “risk assets” themselves mean a decade from now. This article is my attempt to reconcile these two worlds: one is a glamorous and easily marketable story of "resilience," and the other is a chaotic, complex, and path-dependent macro reality. 1. Market consensus Let's start with the general view of institutional investors. Their logic is simple: The stock market bull run continues, but volatility has increased. A diversified sector portfolio is recommended: overweight technology and communications, while also allocating to utilities (electricity demand), industrials, and financials to achieve value and diversification. Use alternative investments and multi-asset strategies to cope with downturns—such as gold, hedge funds, private credit/equity, infrastructure, and volatility strategies. Focus on profit opportunities: Because the interest rate spread is already very narrow, funds are being shifted from high-yield bonds to investment-grade bonds. Increase investment in emerging market hard currency corporate bonds and local currency bonds to capture interest rate spreads and yields with low correlation to equities. Utilize infrastructure and volatility strategies as sources of income to hedge against inflation. Using Asia as the core of diversity: Overweight in China, Hong Kong, Japan, Singapore, and South Korea. Topics of interest: Asia's data center boom, China's leading innovative companies, improved returns for Asian companies through buybacks/dividends/mergers and acquisitions, and high-quality Asian credit bonds. Regarding fixed income, they are clearly optimistic: Global investment-grade corporate bonds offer higher spreads and the opportunity to lock in yields before policy rates fall. Overweight emerging market local currency bonds to capture interest rate spreads, potential currency gains, and low correlation with equities. Slightly underweight global high-yield bonds due to their high valuations and some credit risks. This is a textbook example of a "late-cycle but not yet over" portfolio allocation: go with the flow, diversify your investments, and let Asia, AI, and yield strategies drive your portfolio. I believe this strategy will be largely correct over the next 6-12 months. But the problem is that most macroeconomic analyses stop here, while the real risks begin from here. 2. Cracks beneath the surface From a macro perspective: US nominal spending growth is around 4-5%, directly supporting corporate revenue. But the key question is: Who is consuming? Where does the money come from? Simply discussing a declining savings rate ("consumers have no money") misses the point. If wealthy households draw on their savings, increase credit, and realize asset gains, they can continue to consume even with slowing wage growth and a weak job market. Consumption exceeding income is supported by the balance sheet (wealth), not the income statement (current income). This means that a large portion of marginal demand comes from wealthy households with large balance sheets, rather than from broad-based real income growth. This is why the data looks so contradictory: Overall consumption remained strong. The labor market is gradually weakening, especially for low-end jobs. Income and asset inequality has intensified, further reinforcing this pattern. Here, I depart from the mainstream narrative of "resilience." Macroeconomic aggregates look good because they are increasingly dominated by a small group at the top of the income, wealth, and capital acquisition levels. This remains a positive for the stock market (profits don't care whether the income comes from one rich person or ten poor people). But for social stability, the political environment, and long-term growth, it's a slowly escalating threat. 3. The Stimulating Effect of AI Capital Expenditure The most underestimated dynamic at present is artificial intelligence capital expenditure and its impact on profits. In short: Investment expenditures are the income of others today. The associated costs (depreciation) will be reflected slowly over the next few years. Therefore, when AI hyperscale enterprises and related companies significantly increase their total investment (e.g., by 20%): Revenue and profits will receive a huge and immediate boost. Depreciation increases slowly over time, roughly in sync with inflation. Data shows that the best single indicator for explaining profits at any given time is total investment minus capital consumption (depreciation). This leads to a very simple, yet contrary-to-consensus, conclusion: during the ongoing wave of AI capital expenditure, it stimulates the business cycle and maximizes corporate profitability. Do not try to block this train. This aligns perfectly with HSBC's overweighting of technology stocks and its theme of "evolving AI ecosystem." They are essentially laying the groundwork for the same profit logic in advance, albeit in a different way. I am more skeptical of the narratives about its long-term impact: I don't believe that AI capital expenditure alone can usher us into a new era of 6% real GDP growth. Once a company's free cash flow financing window narrows and its balance sheet becomes saturated, capital expenditures will slow down. As depreciation catches up, this "profit incentive" effect will fade; we will return to the underlying trend of population growth plus productivity gains, which is not particularly high in developed countries. Therefore, my position is: Tactically: As long as total investment data continues to surge, remain optimistic about the beneficiaries of AI capital expenditure (chips, data center infrastructure, power grids, niche software, etc.). Strategically: view this as a cyclical profit boom, rather than a permanent reset of the trend growth rate. 4. Bonds, liquidity, and the transmission mechanism of semi-ineffectiveness This part got a little weird. Historically, a 500-basis-point interest rate hike would severely impact the private sector's net interest income. However, today, trillions of dollars in public debt lie as safe assets on private balance sheets, distorting this relationship: Rising interest rates mean higher interest income for holders of government bonds and reserves. Many businesses and households have fixed-rate debt (especially mortgages). Final result: The net interest burden of the private sector did not worsen as macroeconomic forecasts predicted. Therefore, we face the following: A Federal Reserve caught in a dilemma: inflation remains above target, while labor market data is weakening. A volatile interest rate market: The best trading strategy this year is to buy bonds at the mean reversion rate, buy after panic selling, and sell after a rapid rise, because the macro environment remains unclear as to whether there will be a clear trend of "significant rate cuts" or "another rate hike". Regarding "liquidity," my view is quite straightforward: The Federal Reserve's balance sheet now resembles a narrative tool; its net changes are too slow and too small relative to the entire financial system to serve as an effective trading signal. The real changes in liquidity occur on private sector balance sheets and in the repurchase market: who is borrowing, who is lending, and at what interest rate spread. 5. Debt and Population Sovereign debt: The outcome is known, but the path is unknown. The international sovereign debt problem is a decisive macroeconomic issue of our time, and everyone knows that the "solution" is nothing more than: By devaluing the currency (inflation), the debt-to-GDP ratio can be brought back to a manageable level. The path remains undecided: Orderly financial repression: Maintain a nominal growth rate > nominal interest rate. Tolerating inflation slightly above target, Slowly eroding the actual debt burden. Chaotic crisis events: Markets panicked due to the out-of-control fiscal trajectory. The term premium suddenly surged. A currency crisis occurs in a weaker sovereign nation. Earlier this year, we already experienced this when market concerns about fiscal policy caused yields on long-term U.S. Treasury bonds to surge. HSBC itself noted that the narrative of a "deteriorating fiscal trajectory" peaked during budget discussions and subsequently subsided as the Federal Reserve shifted its focus to growing concerns. I believe this drama is far from over. Fertility Rate: A Slow-Moving Macroeconomic Crisis The global fertility rate has fallen below replacement level, a problem not only in Europe and East Asia, but now also spreading to Iran, Turkey, and gradually affecting parts of Africa. This is essentially a far-reaching macroeconomic shock masked by demographic figures. Low birth rate means: A higher dependency ratio (an increase in the proportion of people in need of support). Lower long-term real economic growth potential. The long-term social distribution pressure and political tension caused by the fact that capital returns have consistently outpaced wage growth. When you combine AI capital expenditure (a shock of capital deepening) with declining fertility rates (a shock of labor supply), You will get a world like this: The capital owners nominally performed exceptionally well. The political system has become more unstable. Monetary policy is caught in a dilemma: it must support growth while avoiding inflation that could trigger a wage-price spiral when labor finally gains bargaining power. This will never appear in an institution's 12-month outlook slides, but it is absolutely crucial for an asset allocation perspective of 5-15 years. China: A Key Variable That Has Been Overlooked HSBC's view on Asia is optimistic: it is bullish on policy-driven innovation, the potential of AI and cloud computing, governance reforms, higher corporate returns, low valuations, and the tailwinds brought by widespread interest rate cuts across Asia. My opinion is: From a 5-10 year perspective, the risk of having no allocation to the Chinese and North Asian markets is greater than the risk of having moderate allocation. From a 1-3 year perspective, the main risks are not macroeconomic fundamentals, but rather policy and geopolitics (sanctions, export controls, and capital flow restrictions). You could consider allocating assets related to Chinese AI, semiconductors, and data center infrastructure, as well as high-dividend, high-quality credit bonds. However, you must determine the allocation size based on a clear policy risk budget, rather than simply relying on historical Sharpe ratios.

Author: PANews

2025/12/10

New XRPL 3.0.0 Upgrade Comes with Major Fixes

New XRPL 3.0.0 Upgrade Comes with Major Fixes

The post New XRPL 3.0.0 Upgrade Comes with Major Fixes appeared on BitcoinEthereumNews.com. Previous developments  Cooling growth  A substantial new release of rippled v3.0.0, the core server software that powers the XRP Ledger, has been rolled out.  The changelog includes dozens of bug fixes, performance enhancements, and refactors across the codebase. These upgrades touch almost everything: consensus stability, ledger entry handling, peer connections, RPC behavior, build system, CI pipelines, and dependency updates. One new protocol-level amendment has been introduced. This amendment corrects missing keylet fields inside certain ledger objects. Amendments are XRPL’s mechanism for rolling out network-wide protocol changes. You Might Also Like Several commits from adding “pre-lending protocol” groundwork. This means the codebase is being reorganized and prepped in a way that will allow future lending-related features. Previous developments  In late November, rippled version 2.6.2 introduced a new amendment, fixDirectoryLimit, which removes previous directory‑page limits. It also fixes a serious bug affecting “Batch” transactions (in which multiple transactions are grouped). Without the fix, if all inner transactions in the batch are invalid, the server could hit an assertion failure.  The release laid the groundwork for “smart Escrows”, bringing more flexible escrow functionality on XRPL. Cooling growth  Over the past month, as reported by U.Today, the XRP Ledger experienced explosive growth.  The network activity sometimes surged by 400% in transaction volume and payments.  That euphoric spike has now cooled, but activity remains significantly above early-November levels. The daily payment range has now stabilized around 600,000–900,000 XRP. Source: https://u.today/new-xrpl-300-upgrade-comes-with-major-fixes

Author: BitcoinEthereumNews

2025/12/10

Aave V3 on MegaETH: The Bold Proposal Set to Supercharge DeFi Lending

Aave V3 on MegaETH: The Bold Proposal Set to Supercharge DeFi Lending

BitcoinWorld Aave V3 on MegaETH: The Bold Proposal Set to Supercharge DeFi Lending The DeFi landscape is buzzing with a potentially game-changing move. Aave Labs, the core development team behind the leading decentralized lending protocol, has just put forward a governance proposal that could redefine efficiency. The plan? To launch the sophisticated Aave V3 on the nascent MegaETH network. This isn’t just another deployment; it’s a strategic bet […] This post Aave V3 on MegaETH: The Bold Proposal Set to Supercharge DeFi Lending first appeared on BitcoinWorld.

Author: bitcoinworld

2025/12/10

PBOC sets USD/CNY reference rate at 7.0753 vs. 7.0773 previous

PBOC sets USD/CNY reference rate at 7.0753 vs. 7.0773 previous

The post PBOC sets USD/CNY reference rate at 7.0753 vs. 7.0773 previous appeared on BitcoinEthereumNews.com. On Wednesday, the People’s Bank of China (PBOC) sets the USD/CNY central rate for the trading session ahead at 7.0753 compared to the previous day’s fix of 7.0773. 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-70753-vs-70773-previous-202512100115

Author: BitcoinEthereumNews

2025/12/10

Mutuum Finance (MUTM) Nears 20% Pump as Presale Phase 7 Approaches

Mutuum Finance (MUTM) Nears 20% Pump as Presale Phase 7 Approaches

The post Mutuum Finance (MUTM) Nears 20% Pump as Presale Phase 7 Approaches appeared on BitcoinEthereumNews.com. Mutuum Finance (MUTM) is quickly gaining momentum as the top DeFi crypto for investors looking for the best cheap crypto to buy now. With its current pricing at $0.035 and having registered a 250% increase in its presale fueled by overwhelming public interest, this project is gaining life at a rate unprecedented for any other fresh crypto presales today. Also the project has more than 18,400 participants and more than $19.25 million has been raised so far.  Perhaps more remarkable than its presale performances is the DeFi-based platform for lending and borrowing being created by this project that offers much more than anyone can wish for today. The impending testnet on Sepolia for V1 is one such important milestone towards realizing this reality for all participants. For any investment that offers so much from today and for the coming future, Mutuum Finance is a DeFi crypto offering real utility and the best cheap crypto to buy now. Phase 6 Of MUTM Presale Approaches Sell-Out as Investor Demand Runs Hot Mutuum Finance (MUTM) is currently gaining substantial momentum as its presale continues to sell at Phase 6. Initially launched in Q1 2025 with a token price of $0.01 per token, the current presale stage at Phase 6 sees the token sold at $0.035 per token, a whopping rise of 250% prior to being listed on the exchange. With well over 95% of Phase 6 sold out, just a few tokens at $0.035 are left. Phase 7 kicks in with a steep rise in the token price by 20% to $0.04, nearing the estimated launch price of $0.06. So far, the presale has managed to raise over $19.25 million from more than 18,400 participants. From a total supply of 4 billion MUTM tokens, no less than 45.5% (1.82 billion tokens) has been…

Author: BitcoinEthereumNews

2025/12/10

Tether Expands Horizons with AI Robotics Investment and USDT Recognition in Abu Dhabi

Tether Expands Horizons with AI Robotics Investment and USDT Recognition in Abu Dhabi

The post Tether Expands Horizons with AI Robotics Investment and USDT Recognition in Abu Dhabi appeared on BitcoinEthereumNews.com. Tether’s latest developments include a significant investment in AI robotics, formal recognition of USDT in Abu Dhabi, and a $1 billion mint on the TRON network, signaling the stablecoin issuer’s diversification into technology and global finance. Tether invests in AI robotics startup to advance humanoid technology and human interaction capabilities. Tether secures USDT approval across multiple blockchains in Abu Dhabi’s ADGM, enhancing regulated digital asset use. A fresh $1 billion USDT issuance on TRON supports liquidity for exchanges and institutions, per Arkham Intelligence data. Discover Tether’s latest developments in AI investments, Abu Dhabi expansions, and USDT mints driving crypto innovation—explore how these moves shape stablecoin’s future today. What are Tether’s latest developments? Tether’s latest developments encompass strategic investments in emerging technologies, regulatory advancements in key financial hubs, and substantial token issuances to bolster market liquidity. In recent activities, Tether participated in a major funding round for an AI robotics firm and achieved expanded recognition for its USDT stablecoin in Abu Dhabi. These steps underscore Tether’s evolution from a stablecoin provider to a multifaceted player in global tech and finance ecosystems. How is Tether investing in AI robotics? Tether has backed a prominent investment round in an Italian AI robotics startup focused on developing advanced humanoid platforms. The funding, led by CDP Venture Capital’s AI fund, aims to scale production and integrate the technology into Europe’s burgeoning robotics sector. According to reports from financial analysts, Tether’s involvement highlights its commitment to AI-driven innovations that enhance human-robot interactions for industrial applications. This move aligns with Tether’s previous engagements, such as a €1 billion investment in Germany’s Neura Robotics in November and $1.5 billion in commodity-backed lending. Industry experts note that such investments could accelerate the deployment of AI systems in manufacturing and healthcare, potentially generating returns through equity stakes and technological synergies.…

Author: BitcoinEthereumNews

2025/12/10

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