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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.

15929 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Best Crypto to Invest in 2025: DeepSnitch AI Soars 67% Ahead of Launch as Exchanges Donate Millions for HK Fire Victims

Best Crypto to Invest in 2025: DeepSnitch AI Soars 67% Ahead of Launch as Exchanges Donate Millions for HK Fire Victims

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Author: Blockchainreporter

2025/11/30

This $0.035 New Crypto Is Days Away From a 100% Phase Sellout, Mutuum Finance (MUTM) Surges 250%

This $0.035 New Crypto Is Days Away From a 100% Phase Sellout, Mutuum Finance (MUTM) Surges 250%

One of the biggest milestones in the history of a rapidly growing new cryptocurrency is on its way. Its current stage is nearly consumed, and days to a full sellout remain, making investors that look for the best crypto to purchase today scramble to get the remaining tokens at the current price of $0.035. Mutuum […]

Author: Cryptopolitan

2025/11/30

UK Plans No Gain No Loss DeFi Tax, Tighter Reporting

UK Plans No Gain No Loss DeFi Tax, Tighter Reporting

The post UK Plans No Gain No Loss DeFi Tax, Tighter Reporting appeared on BitcoinEthereumNews.com. The UK government is preparing a new tax framework that would treat many decentralized finance lending and liquidity transactions on a “no gain, no loss” basis, deferring capital gains tax until there is a real economic disposal. In a consultation outcome published on Nov. 26, 2025, HM Revenue & Customs said it is developing rules so that certain cryptoasset loans and liquidity pool arrangements are taxed only when tokens are genuinely disposed of, rather than each time they move in and out of a protocol. Earlier guidance had drawn criticism because users could face capital gains charges simply for depositing tokens into DeFi protocols and later withdrawing them, even when they received back the same assets. HMRC now says it is working on an approach that treats those “disposals” as no gain, no loss, and confirms this model could extend to automated market makers as well as more traditional loan setups. Under the outline described in the consultation documents, single-token deposits, crypto loans and multi-token liquidity pools would all fall under the framework. Tax would be calculated when a user actually sells or economically disposes of the tokens, rather than at each technical transfer. Aave CEO Calls Outcome A Win For DeFi Borrowers  Aave founder and CEO Stani Kulechov highlighted the change after HMRC released the consultation summary. In a post on X, he said that when users deposit assets into Aave, the deposit itself would not be treated as a disposal for capital gains purposes, creating a no-gain-no-loss treatment at the point of deposit. He described the conclusion as a major win for UK DeFi users who want to borrow stablecoins against their crypto collateral, arguing that borrowers are not trying to dispose of their assets when they lock tokens for liquidity. Kulechov also said Aave Labs took part…

Author: BitcoinEthereumNews

2025/11/29

UK Crypto Reporting Rules May Raise Up to $417 Million in Tax Revenue by 2030

UK Crypto Reporting Rules May Raise Up to $417 Million in Tax Revenue by 2030

The post UK Crypto Reporting Rules May Raise Up to $417 Million in Tax Revenue by 2030 appeared on BitcoinEthereumNews.com. The UK government’s Cryptoasset Reporting Framework (CARF) mandates crypto exchanges to collect and report customer details starting January 2026, aiming to raise £315 million ($417 million) in additional tax revenue by 2030 through improved compliance with capital gains tax on crypto profits. New rules require UK-registered crypto platforms to gather user information, including tax reference numbers, for HMRC reporting. Non-compliance fines reach £300 per unreported customer, with HMRC using data to verify tax returns. The framework, aligned with OECD standards, forecasts £315 million in tax collections by April 2030, equivalent to funding over 10,000 nurses annually. Discover how the UK’s Cryptoasset Reporting Framework impacts crypto traders: mandatory customer reporting starts 2026 to boost tax compliance and raise $417 million. Stay informed on crypto tax rules—review your details today. What is the UK’s Cryptoasset Reporting Framework? The UK’s Cryptoasset Reporting Framework (CARF) is an international standard adopted from the OECD that requires cryptocurrency service providers to report customer transaction details to HM Revenue & Customs (HMRC). Implemented as part of the 2025 Budget, it ensures greater transparency in crypto investments without introducing new taxes, focusing instead on enforcing existing capital gains tax obligations. First reports will be collected from January 1, 2026, and submitted to HMRC in 2027, helping identify unreported profits. How Will Crypto Exchanges Handle Compliance Under CARF? Crypto exchanges must collect comprehensive user data, such as names, addresses, tax reference numbers, and transaction histories, to comply with CARF. Platforms face challenges in obtaining this information from privacy-conscious users, potentially requiring upgraded systems for data management and reporting. According to Dion Seymour, Crypto and Digital Asset Technical Director at Andersen, a London-based law firm, “RCASPs will need robust due diligence processes to avoid penalties for late or inaccurate reporting, which could accumulate substantially per reportable user.” Failure to register…

Author: BitcoinEthereumNews

2025/11/29

Ripple Exec Teases ‘Very Busy’ 2 Weeks Coming Before Christmas: Why?

Ripple Exec Teases ‘Very Busy’ 2 Weeks Coming Before Christmas: Why?

The post Ripple Exec Teases ‘Very Busy’ 2 Weeks Coming Before Christmas: Why? appeared on BitcoinEthereumNews.com. Ripple Senior Executive Officer and Managing Director, Middle East and Africa Reece Merrick highlighted a great week for the company in the Middle East and Africa, marking great momentum across board. This week, Ripple attained a new milestone in the Middle East with the Ripple USD (RLUSD) stablecoin greenlisted by Abu Dhabi’s Financial Services Regulatory Authority (FSRA). Now recognized as an Accepted Fiat-Referenced Token by the FSRA, the move enables RLUSD’s use as collateral on exchanges, for lending and on prime brokerage platforms within the ADGM, Abu Dhabi’s international financial centre. Celebrating this milestone, Merrick noted that the year 2025 has seen some awesome momentum for Ripple in the Middle East, with more to be expected in 2026. “Very busy” two weeks Ripple executive Reece Merrick, in a recent tweet, teased “busy” next two weeks. Great week for team @Ripple in the Middle East & Africa! Lots of great momentum across the whole team 🚀 I am looking forward to a very busy two weeks with @binance Blockchain Week in Dubai next week and @ADFW the week after in Abu Dhabi If you think we’re slowing down in the… — Reece Merrick (@reece_merrick) November 28, 2025 As the year rounds off, Ripple will be making key appearances at major crypto events, including Binance Blockchain Week, which will be held in Dubai from Dec. 3 to 4. Ripple CEO Brad Garlinghouse will be part of a panel at the Binance blockchain event discussing the theme “the path ahead/moving forward” alongside Solana Foundation President Lily Liu and Binance CEO Richard Teng. This is scheduled for Dec. 3, 2025, from 1:30 to 2 p.m. (UTC+4). Garlinghouse will be discussing alongside other participants on opportunities and challenges ahead amid a positive regulatory landscape for the crypto market. Ripple executive Reece Merrick will also take…

Author: BitcoinEthereumNews

2025/11/29

Top Crypto to Watch: Smart Money Favors This $0.035 DeFi Token Over Cardano (ADA)

Top Crypto to Watch: Smart Money Favors This $0.035 DeFi Token Over Cardano (ADA)

The post Top Crypto to Watch: Smart Money Favors This $0.035 DeFi Token Over Cardano (ADA) appeared on BitcoinEthereumNews.com. While the search for the next crypto to hit $1 continues to excite the investment community, the spotlight is being placed on some of the most promising DeFi Crypto projects to date. Of course, top DeFi Crypto projects like Mutuum Finance (MUTM), now at just $0.035, are already being touted by ‘smart money’ analysts to the degree that they’re outshining some of the industry’s top players in the very early stages. The token’s presale event for Phase 6 is already over 90% sold out, having attracted more than 18,250 individual buyers while raising over $19.02 million. This is clearly indicative of the immense faith in both the project and its proposed roadmap.  What’s more, while other DeFi crypto projects might promise the world in terms of theoretical applicability in the future, the one aspect that differentiates the token from its competitors lies in the fact that it already supports a fully fleshed-out decentralized lending and borrowing platform featuring both interest tokens and yield incentivization options for ‘early birds.’ Because of its rapid adoption rate on the one hand and its real DeFi utility on the other, along with its imminent V1 Sepolia testnet launch expected in the near future, it’s safe to say that one of the top DeFi Crypto projects on the cusp of explosive success in 2025 is going to be none other than Mutuum Finance (MUTM). Cardano Faces Ongoing Bearish Pressure Amid Decline To Key Levels Cardano (ADA) continues to face selling pressures once more. The cryptocurrency token had fallen to $0.38 in recent trades before stabilizing around the $0.40 region. At the moment, it appears that the bearish momentum is prevalent in the market. However, buyers seem to lack the strength needed to reverse the bearish direction. Analysts now expect the cryptocurrency token to target $0.36…

Author: BitcoinEthereumNews

2025/11/29

Arthur Hayes Reaffirms $250K Bitcoin Target for 2025

Arthur Hayes Reaffirms $250K Bitcoin Target for 2025

The post Arthur Hayes Reaffirms $250K Bitcoin Target for 2025 appeared on BitcoinEthereumNews.com. Arthur Hayes maintains his $250,000 Bitcoin price target by year-end and called the recent dip to $80,600 the market bottom. Summary Arthur Hayes says Bitcoin bottomed at $80.6K and still expects a $250K finish to 2025. Hayes says ETF flows were basis trades unwinding, not true institutional demand. Improving dollar liquidity and the end of QT support Hayes’ bullish $250K outlook. The BitMEX co-founder told the Milk Road podcast that dollar liquidity has bottomed and will now support higher prices for risk assets. Hayes explained that Bitcoin (BTC) fell from $125,000 to $80,000 after misunderstood ETF flows reversed and the U.S. Treasury refilled its checking account. The Treasury raised roughly $1 trillion from July through November, extracting liquidity from markets. Combined with the Federal Reserve’s quantitative tightening program, close to $1 trillion left dollar money markets. ETF inflows driven by basis trades, not institutional demand Hayes disputed the narrative that Bitcoin ETF inflows meant genuine institutional buying. Bloomberg data shows Brevin Howard, Goldman Sachs, Millennium, Jane Street, and Avenir comprise the top five holders of BlackRock’s IBIT ETF. “These entities are not places where they’re just going to go long Bitcoin,” Hayes said. The funds were executing basis trades, buying the IBIT ETF while selling CME futures contracts against it. When the funding rate collapsed after October 10, these traders unwound positions by selling the ETF and buying back futures. “Retail thinks, oh no, institutions love Bitcoin in the summer, and now they hate it in the fall,” Hayes explained. “ Therefore, I need to get rid of my exposure as well, not understanding what was driving those flows in the first place.” Liquidity picture improves as Treasury refilling completes The Treasury General Account has reached approximately $900 billion, nearing its $850 billion target. More important, the Fed has ended…

Author: BitcoinEthereumNews

2025/11/29

Can ONDO break major resistance levels and reach the $0.848 target?

Can ONDO break major resistance levels and reach the $0.848 target?

ONDO’s price at $0.5136 reflects a mild recovery after an extended downtrend, but the market structure remains bearish. Price continues trading below every major moving average, showing persistent downside pressure. Although the recent rebound hints at improving momentum, it has not yet cleared important resistance. This means the current movement is corrective rather than a […]

Author: Tronweekly

2025/11/29

Arthur Hayes doubles down on $250K Bitcoin by year-end, says $80.6K was the bottom

Arthur Hayes doubles down on $250K Bitcoin by year-end, says $80.6K was the bottom

Arthur Hayes maintains his $250,000 Bitcoin price target by year-end and called the recent dip to $80,600 the market bottom. The BitMEX co-founder told the Milk Road podcast that dollar liquidity has bottomed and will now support higher prices for…

Author: Crypto.news

2025/11/29

Ripple’s David Schwartz Reveals Surprising Truth About His Wild CTO Role

Ripple’s David Schwartz Reveals Surprising Truth About His Wild CTO Role

Schwartz steps back as Ripple CTO, but stays involved long-term. David Schwartz joins Evernorth to expand XRP’s global financial reach. Ripple CTO’s wild role revealed, blending formal and casual moments. Ripple’s CTO, David Schwartz, recently shared an unexpected insight into his role at the company, leaving the XRP community buzzing with curiosity. In a playful yet revealing tweet, Schwartz described his role as “wild,” offering a rare glimpse into the day-to-day reality of being at the helm of Ripple’s technological direction. His tweet, which featured contrasting images of himself in both formal attire and a more casual look, highlighted the dual nature of his position – a balance between high-level responsibility and more laid-back moments. Schwartz, who co-created XRP Ledger with Jed McCaleb and Arthur Britto in 2011, has been pivotal in shaping Ripple’s technology. The XRP Ledger was officially launched in 2012, and Schwartz took on the role of CTO in 2018. However, in a recent announcement, Schwartz revealed that by the end of this year, he would step back from his day-to-day duties at Ripple and transition into the role of CTO Emeritus. Despite this change, he reassured the XRP community that he would remain involved in Ripple’s long-term vision, appearing at the office intermittently. Also Read: Robert Kiyosaki Warns of Market Crash: Why Bitcoin and Ethereum Are Your Lifeline A Peek Into Schwartz’s Life as Ripple CTO His candid tweet not only caught the attention of the XRP community but also sparked speculation about his upcoming role changes. Some users speculated that the tweet might carry a deeper message, but Schwartz quickly cleared the air, stating that he was just being himself. His lighthearted comment reflects the less formal, more approachable side of the Ripple CTO, who is known for his directness and technical expertise. In addition to his new role at Ripple, Schwartz also announced his appointment to the company’s Board of Directors. This move ensures his continued influence on Ripple’s strategic direction and long-term goals. Schwartz Takes on Strategic Advisor Role at Evernorth In October, Schwartz announced he would join Evernorth as a strategic advisor, marking his first major step after stepping down from his role at Ripple. He revealed this news in a post on X, sharing his excitement about the future direction of the project. Evernorth, founded by his long-time associate Ashgoblue, is a regulated investment platform designed to scale and expand XRP’s reach within decentralized finance and capital markets. Schwartz emphasized that the project aligns with his vision of integrating XRP into global financial systems, making this transition an important next step in his career. Schwartz’s upcoming transition and his new role at Evernorth have only fueled the excitement surrounding Ripple and XRP. As he shifts into this new phase of his career, his legacy in the blockchain industry is poised to continue making an impact on the future of decentralized payment networks. Also Read: Cardano Achieves Record Milestone with Fastest Approved Proposal in Governance History The post Ripple’s David Schwartz Reveals Surprising Truth About His Wild CTO Role appeared first on 36Crypto.

Author: Coinstats

2025/11/29

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