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Commodity Zero-Fee Gala

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.

15645 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Analyst Says Retail Will Not Drive XRP Price To $1,000, Reveals Major Drivers

Analyst Says Retail Will Not Drive XRP Price To $1,000, Reveals Major Drivers

The conversation around XRP price hitting $1,000 often gets trapped in the familiar narrative of retail-driven cycles and short-term speculation. Market analyst Barri C challenges this perspective, arguing that conventional benchmarks fail to capture the token’s true potential. According to him, assessing XRP solely through the lens of retail investors and four-year cycles overlooks the […]

Author: Bitcoinist

2025/11/18

Q1 2026’s Best Cryptos To Buy: Mutuum Finance (MUTM) and Cardano (ADA) at $0.545 Set to Dominate

Q1 2026’s Best Cryptos To Buy: Mutuum Finance (MUTM) and Cardano (ADA) at $0.545 Set to Dominate

The first few months of 2026 are likely going to be important for how your cryptocurrency investments perform. Established platforms and new presale opportunities are likely giving you some important choices. While Layer-1 solutions are still performing systemically, most really explosive growth and indeed opportunities are found in innovative, early stage DeFi cryptos.  As retail […]

Author: Cryptopolitan

2025/11/18

Aave Unveils iOS Savings App for Retail Users with 6% APY Returns

Aave Unveils iOS Savings App for Retail Users with 6% APY Returns

TLDR Aave launched its iOS savings app on November 17 offering a 6% annual yield. The app provides an additional 0.5% boost for users with automatic monthly deposits. It supports stablecoin deposits such as USDC and USDT with no minimum deposit requirement. The app compounds interest every second, offering a more frequent yield than other [...] The post Aave Unveils iOS Savings App for Retail Users with 6% APY Returns appeared first on CoinCentral.

Author: Coincentral

2025/11/18

Aave Labs unveils new savings app offering up to 9% returns on deposits

Aave Labs unveils new savings app offering up to 9% returns on deposits

Aave Labs, the firm behind $55 billion DeFi lending protocol Aave, is set to launch a new retail-facing savings app designed to compete with banks and rival fintech firms.The new product, called Aave App, will offer yields of up to 9%, and $1 million worth of protection against security breaches and technology failures for deposits, according to a Monday announcement from the firm. The app’s target audience? Digital natives who are fed up with the low interest rates offered by traditional banks. “Banks built online access and mobile apps, but your money still sits there barely keeping up with inflation while they use it to earn far more than they pay you,” Aave Labs said in the announcement. “Your savings shrink, even if the number in your account slowly ticks up.”Aave is a decentralised lending protocol that matches lenders and borrowers of different crypto assets, such as Ethereum’s Ether token and stablecoins like Circle’s USDC. Interest rates on the platform are set by market demand, with Aave taking a small cut of the interest paid to lenders. The move is the latest example of crypto firms looking to leverage the high yields found in decentralised finance to win over customers from the traditional banking system. Bridging the gapThe $166 billion DeFi ecosystem has long offered lucrative opportunities to earn more interest than even the highest-yielding savings accounts offered by traditional banks.However, using DeFi is fraught with risks, as its self-custodial setup comes at the cost of fewer guardrails for users. Aave App, which will launch on the Apple store, is an attempt to bridge the gap between DeFi and retail customers. This idea of abstracting away the complexities of DeFi behind an easy-to-use interface is sometimes referred to as the DeFi mullet. It’s not the only crypto firm doing so.Morpho Labs, the firm behind Rival lending protocol Morpho, inked a deal with US crypto exchange Coinbase earlier this year to let users borrow against their Bitcoin deposits using the Morpho protocol. The feature has proven popular, with Morpho-originated loans on the exchange surpassing $1 billion in September.Neobank trendAave’s plan to offer high-yield savings accounts also comes as crypto neobanks soar in popularity. More than half a dozen of this new breed of financial app have launched over the past year, banking on clearer regulations and the technological savvy of younger generations to fuel their success.But competition is fierce. New entrants such as Aave will also have to go toe-to-toe with neobanking titans like Chime, Revolut and Monzo, who are meeting these crypto neobanks halfway by building out their own blockchain features. For its part, Aave App will offer many features that are popular with its competitors. In addition to offering higher yields than traditional banks, the app will feature tools to simulate potential investment returns, rewards for recurring deposits, and support for bank, debit card, and stablecoin deposits.Users can currently join a waitlist for the app’s iOS version.Tim Craig is DL News’ Edinburgh-based DeFi Correspondent. Reach out with tips at [email protected].

Author: Coinstats

2025/11/18

Best crypto presales to watch in November 2025: Why Digitap ($TAP) beats all others on the list

Best crypto presales to watch in November 2025: Why Digitap ($TAP) beats all others on the list

The post Best crypto presales to watch in November 2025: Why Digitap ($TAP) beats all others on the list appeared on BitcoinEthereumNews.com. With an ongoing bear market depressing all major assets, big money investors are pivoting towards crypto presale projects with real products and revenue plans, rather than hype. In a fear-based environment, delivered utility tends to dominate over speculative claims This is why Digitap ($TAP) leads this month’s rankings as the top altcoin to buy, soaring past contenders such as SpacePay ($SPY), NexChain ($NEX), and LayerBrett ($LBRTT). As a live omni-bank with Visa integration and a functional payment application on iOS and Android, $TAP is rapidly becoming known as the best crypto to buy now. Digitap ($TAP): Live Omni-Bank Blending Fiat & Crypto.  SpacePay ($SPY): Fintech Payments With Merchant Integration.  NexChain ($NEX): AI-Powered High Performance L1 Blockchain. LayerBrett ($LBRTT): Fast-Growth DeFi Tools With Expanding Community 1. Digitap ($TAP): Live omnibank blending fiat and crypto, $1.9M raised Digitap ranks first because it solves a real problem. Users want one app for payments, savings, cards, and digital assets. Digitap connects crypto with normal financial services, which gives it a wider use case than other tokens. It is simple to understand and built for mass adoption. For these reasons, it has already seen $1.9M of investment.  Through one account, users have complete control over their financial affairs, with instant deposits, withdrawals, payments, and transfers. It also offers zero-KYC access, which makes the application globally accessible and expands the addressable market significantly. This appeal extends to first-world residents who are dissatisfied with centralized banking services, along with the estimated 1.4 billion globally unbanked who have no financial access.  Along with its retail and business utility, its tokenomics provide long-term price stability to investors. At $0.0313, it’s 77.64% discounted from the projected $0.14 launch price. $TAP brings value through burns and staking rewards, with 50% of platform profits committed to both, as well as 124% APY.…

Author: BitcoinEthereumNews

2025/11/18

Aave launches iOS App for DeFi Savings With 6.5% Yields

Aave launches iOS App for DeFi Savings With 6.5% Yields

The new app by Aave offers automatic compounding and balance protection, competing in a DeFi lending market where Morpho protocol offers yields above 10%. The post Aave launches iOS App for DeFi Savings With 6.5% Yields appeared first on Coinspeaker.

Author: Coinspeaker

2025/11/18

Hong Kong Credit Card Receivables Grow 1.4% in Q3 2025, Says HKMA

Hong Kong Credit Card Receivables Grow 1.4% in Q3 2025, Says HKMA

The post Hong Kong Credit Card Receivables Grow 1.4% in Q3 2025, Says HKMA appeared on BitcoinEthereumNews.com. Terrill Dicki Nov 17, 2025 08:04 The Hong Kong Monetary Authority reports a 1.4% increase in credit card receivables for Q3 2025, marking a recovery from the previous quarter’s decline. The Hong Kong Monetary Authority (HKMA) has released its latest findings from the credit card lending survey for the third quarter of 2025, revealing a significant upturn in card receivables. According to the report, total card receivables increased by 1.4% to HK$151.0 billion by the end of September 2025. This marks a notable recovery from the previous quarter, where there was a decline of 2.5%. Stable Delinquency and Charge-off Ratios Despite the fluctuations in receivables, the combined delinquent and rescheduled ratio remained steady at 0.45% by the end of September. Similarly, the quarterly charge-off ratio was unchanged at 0.64%, indicating a stable credit environment for cardholders and lenders alike. Contextual Analysis This growth in credit card receivables suggests a rebound in consumer spending and credit activity in Hong Kong. Analysts often regard such metrics as indicators of economic health, reflecting consumer confidence and financial stability. The steady delinquency and charge-off ratios further reinforce the resilience of the credit market, suggesting that borrowers are managing their credit obligations effectively. The HKMA’s findings come amidst a broader context of economic recovery as Hong Kong continues to navigate post-pandemic challenges. The increase in credit card activity may also reflect pent-up consumer demand and increased economic activity as restrictions ease and consumer behavior normalizes. For more detailed insights, the full report is available on the Hong Kong Monetary Authority website. Image source: Shutterstock Source: https://blockchain.news/news/hong-kong-credit-card-receivables-grow-q3-2025-hkma

Author: BitcoinEthereumNews

2025/11/18

UBS-Ant International alliance threatens to disrupt traditional treasury settlement

UBS-Ant International alliance threatens to disrupt traditional treasury settlement

UBS and Ant International have announced a strategic alliance aimed at streamlining global treasury flows.

Author: Cryptopolitan

2025/11/17

USD.AI development team Permian Labs announced it has received investment from Coinbase Ventures.

USD.AI development team Permian Labs announced it has received investment from Coinbase Ventures.

PANews reported on November 17th that Permian Labs, the development team behind USD.AI, announced it has received investment from Coinbase Ventures, though the specific amount was not disclosed. USD.AI is a structured on-chain credit system that connects decentralized liquidity with real-world financing via GPU infrastructure that supports artificial intelligence. Permian Labs is reportedly responsible for developing and maintaining the USD.AI protocol, which aims to facilitate on-chain secured lending operations using verifiable productive assets as collateral. USD.AI is also the issuer of the stablecoin USDai and the yield-generating sUSDai, both of which form the basis of the protocol.

Author: PANews

2025/11/17

Yala released a report analyzing the liquidity incident involving its YU token and plans to determine a clear recovery path and other solutions by December 15th.

Yala released a report analyzing the liquidity incident involving its YU token and plans to determine a clear recovery path and other solutions by December 15th.

PANews reported on November 17th that Yala, a Bitcoin liquidity and native stablecoin project, released an update on the X platform regarding the recent liquidity issue of its YU token: On September 14th, 2025, an attacker used a temporary deployment key to create an unauthorized cross-chain bridge and withdrew 7.64 million USDC (approximately 1636 ETH), causing YU to temporarily become unpegged. However, no core protocol vulnerabilities were compromised, and there was no loss of Bitcoin reserves. The team injected $5.5 million of its own funds and supplemented liquidity through the Euler platform. By September 23rd, YU had fully recovered, and the Yala protocol had returned to normal. On October 29th, Bangkok law enforcement arrested the attacker, and most of the recovered funds are pending legal review. Some funds were converted to Ethereum in advance, and the price has fallen. Additionally, the attacker had already spent some funds, reducing the actual value recovered. More detailed information will be provided when legally permissible. Recent retail investor withdrawals from DeFi have exacerbated market panic and liquidity shortages, impacting Euler and restricting some of its previously stabilized YU positions and liquidity. Yala is not integrated with Kamino's lending products, and wallet addresses starting with AyCJS5 are unrelated to Yala and its team. The team is focused on protecting user interests and Yala's long-term operation, and is assessing its funding needs and raising funds with law enforcement and funding partners. Due to the tight liquidity of the protocol and assets, this process will take time, and a clear solution, including a fund recovery path and next operational measures, is planned for release by December 15th.

Author: PANews

2025/11/17

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