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.

15627 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Singapore Advances Digital Asset Framework with Stablecoin Rules, CBDC Trials

Singapore Advances Digital Asset Framework with Stablecoin Rules, CBDC Trials

Central bank finalizes stablecoin regulations while three major banks complete first wholesale CBDC transactions

Author: Blockhead
Aerodrome and Velodrome Merge to Form AERO, Dromos Labs Unifies DeFi Liquidity Across Chains

Aerodrome and Velodrome Merge to Form AERO, Dromos Labs Unifies DeFi Liquidity Across Chains

The post Aerodrome and Velodrome Merge to Form AERO, Dromos Labs Unifies DeFi Liquidity Across Chains appeared on BitcoinEthereumNews.com. DeFi developer Dromos Labs is shaking up the decentralized exchange space. The team behind AerodromeFi and VelodromeFi has announced a full merger of the two protocols to create AERO, a next-generation decentralized exchange launching on Ethereum and Circle’s Arc blockchain. The merger combines two of the most prominent DEXs built on Base and Optimism, setting the stage for a more unified, capital-efficient liquidity layer. The Merger That Rewrites the DEX Playbook Both Aerodrome and Velodrome have been powerhouses in their ecosystems. Aerodrome operates on Base, Coinbase’s Layer-2 network, while Velodrome has anchored liquidity on Optimism. Now, they’re joining forces under one banner. The new platform, AERO, will consolidate the best of both designs. According to Dromos Labs, Aerodrome holders will receive 94.5% of the new token supply, while Velodrome holders will receive 5.5%. In other words, Aerodrome effectively absorbs Velodrome, turning two liquidity engines into one streamlined protocol. Both $AERO and $VELO tokens will be converted into the upgraded AERO token. The aim is to eliminate fragmentation between Dromos’ ecosystems and strengthen cross-chain liquidity. “This is a step toward simplifying DeFi,” one community member wrote. “Instead of two DEXs competing for the same users and liquidity, we’ll have one platform that unites everything.” Built for a New Era of DeFi AERO will officially launch on Ethereum and Arc, Circle’s newly developed Layer-1 blockchain. Arc has quickly gained attention as a compliance-ready DeFi network, integrating Circle’s stablecoin infrastructure and fiat on/off ramps. By choosing Arc as one of its launch chains, Dromos Labs is signaling that it sees regulated, transparent DeFi as the future. Running AERO across Ethereum and Arc bridges the gap between open DeFi and institutional-grade finance, two worlds that have historically remained apart. Ethereum brings deep liquidity and developer activity. Arc brings speed, compliance, and access to new…

Author: BitcoinEthereumNews
This New Crypto Coin Could Be the Best DeFi Investment for 2026, Here’s Why

This New Crypto Coin Could Be the Best DeFi Investment for 2026, Here’s Why

Each market cycle presents one project in which there is an amassing of momentum without the other parties even recognizing it in the market. That project, in 2025, can be Mutuum Finance (MUTM), a new cryptocurrency DeFi coin gradually gaining popularity with early adopters. A large community, an elaborate roadmap, and actual on-chain applications place […]

Author: Cryptopolitan
Ripple (XRP) “Comeback” Turns Into Disaster As Whales Secretly Load This New Crypto Coin at $0.035

Ripple (XRP) “Comeback” Turns Into Disaster As Whales Secretly Load This New Crypto Coin at $0.035

The token’s decline follows a broader correction across the crypto market as Bitcoin retraces gains, but what’s drawing deeper attention […] The post Ripple (XRP) “Comeback” Turns Into Disaster As Whales Secretly Load This New Crypto Coin at $0.035 appeared first on Coindoo.

Author: Coindoo
Dragonfly Executive Calls Current Crypto Market Dip “Easiest Bear Market Ever”: Here’s Why

Dragonfly Executive Calls Current Crypto Market Dip “Easiest Bear Market Ever”: Here’s Why

TLDR:  The current crypto downturn is milder than 2022, with markets showing functional resilience. 2022 featured collapses of Luna, 3AC, FTX, Genesis, BlockFi, and NFT projects. Crypto networks remain operational, supporting staking, trading, and decentralized finance activities. Clearer regulatory frameworks reduce systemic risk and support market stability today. The current crypto market downturn is showing [...] The post Dragonfly Executive Calls Current Crypto Market Dip “Easiest Bear Market Ever”: Here’s Why appeared first on Blockonomi.

Author: Blockonomi
Aave Launches Zero-Fee Stablecoin On-Ramps Across Europe

Aave Launches Zero-Fee Stablecoin On-Ramps Across Europe

With this exclusive MiCAR approval, Aave Labs now has the permission to provide zero-fee stablecoin on-ramps within the European jurisdiction.

Author: Blockchainreporter
Threshold Upgrades Bridge to Channel $500B in Institutional Bitcoin into DeFi

Threshold Upgrades Bridge to Channel $500B in Institutional Bitcoin into DeFi

Threshold Network has announced a major upgrade to its cross-chain bridge infrastructure, designed to facilitate the flow of up to $500 billion in institutional Bitcoin into decentralized finance (DeFi) ecosystems. This significant development aims to enhance liquidity and accessibility in DeFi markets while providing institutional investors with secure pathways to participate in decentralized financial services.

Author: MEXC NEWS
Here’s the New Cardano (ADA) Alternative Investors Are Holding for 2026 Millions

Here’s the New Cardano (ADA) Alternative Investors Are Holding for 2026 Millions

Cardano (ADA) was considered one of the safest long-term bets on a blockchain until it slowly began to mature and saw multiple instances of price stagnation, causing many to question if there might be greener pastures elsewhere. Today, those interested have turned their attention towards Mutuum Finance (MUTM), which is a low-price DeFi token working [...]]]>

Author: Crypto News Flash
Coinbase Opposes Banking Groups’ Bid to Restrict Stablecoin Merchant Rewards

Coinbase Opposes Banking Groups’ Bid to Restrict Stablecoin Merchant Rewards

The post Coinbase Opposes Banking Groups’ Bid to Restrict Stablecoin Merchant Rewards appeared on BitcoinEthereumNews.com. COINOTAG recommends • Exchange signup 💹 Trade with pro tools Fast execution, robust charts, clean risk controls. 👉 Open account → COINOTAG recommends • Exchange signup 🚀 Smooth orders, clear control Advanced order types and market depth in one view. 👉 Create account → COINOTAG recommends • Exchange signup 📈 Clarity in volatile markets Plan entries & exits, manage positions with discipline. 👉 Sign up → COINOTAG recommends • Exchange signup ⚡ Speed, depth, reliability Execute confidently when timing matters. 👉 Open account → COINOTAG recommends • Exchange signup 🧭 A focused workflow for traders Alerts, watchlists, and a repeatable process. 👉 Get started → COINOTAG recommends • Exchange signup ✅ Data‑driven decisions Focus on process—not noise. 👉 Sign up → The GENIUS Act stablecoin rewards provision bans interest from issuers but allows merchants and exchanges to offer cashbacks and discounts to users. Coinbase criticizes banking groups’ push to extend this ban, calling it meritless and un-American, as it stifles innovation without statutory basis. Coinbase opposes banks’ request to regulators under the GENIUS Act, arguing it lacks legal merit for prohibiting third-party stablecoin rewards. Banking groups fear stablecoin adoption could lead to significant deposit outflows from traditional systems. Stablecoins could reduce the $180 billion in annual card fees for US merchants, per 2024 data, but banks resist these changes. Discover how Coinbase challenges banking lobbies on GENIUS Act stablecoin rewards. Learn the implications for crypto payments and why this battle matters for innovation—read now for expert insights. What is the GENIUS Act’s stance on stablecoin rewards? The GENIUS Act explicitly prohibits stablecoin issuers from paying interest or yield directly to token holders, aiming to maintain financial stability. However, it does not extend this restriction to third parties like crypto exchanges or merchants offering rewards such as cashbacks or discounts. Coinbase’s…

Author: BitcoinEthereumNews
Crypto Downturn: Why This Market Correction is Surprisingly Manageable

Crypto Downturn: Why This Market Correction is Surprisingly Manageable

BitcoinWorld Crypto Downturn: Why This Market Correction is Surprisingly Manageable Are you worried about the recent crypto market volatility? According to Dragonfly managing partner Haseeb, the current crypto downturn might be much less concerning than it appears. In a recent social media analysis, he provided compelling historical context that could change your perspective on market conditions. Why This Crypto Downturn Feels Different Haseeb’s assessment comes from deep industry experience. He suggests that many investors have forgotten the true severity of past market collapses. The current crypto downturn, while noticeable, lacks the systemic risks that characterized previous crises. When we examine market fundamentals rather than just price movements, the picture becomes clearer. The underlying technology continues to advance, institutional adoption grows steadily, and regulatory frameworks are becoming more defined. These factors create a much more stable foundation than during previous market stress periods. Remembering the 2022 Market Collapse To understand why the current crypto downturn seems manageable, we need to recall what real market stress looks like. Haseeb vividly described the 2022 sequence of events that created genuine panic: Terra-LUNA ecosystem collapse Three Arrows Capital failure FTX exchange implosion Genesis and BlockFi bankruptcies NFT market valuation crash This period represented what Haseeb called a house of cards scenario. Multiple interconnected failures created domino effects that threatened the entire digital asset ecosystem. Banks faced liquidity crises, stablecoins lost their pegs, and regulatory pressure intensified dramatically. What Makes the Current Situation Different? The current crypto downturn primarily involves price corrections rather than fundamental breakdowns. Unlike 2022, we’re not seeing: Major exchange collapses Systemic stablecoin failures Widespread institutional bankruptcies Regulatory emergency interventions Market infrastructure has matured significantly. Exchange reserves are more transparent, lending practices have improved, and risk management across the industry has evolved. This crypto downturn reflects normal market cycles rather than structural weaknesses. Key Indicators Showing Market Strength Despite the current crypto downturn, several positive indicators suggest underlying strength: Developer activity continues growing Institutional investment pipelines remain active Network usage metrics show steady adoption Regulatory clarity is improving globally These fundamentals matter more than short-term price movements. They represent the real value being built in the cryptocurrency space, regardless of market sentiment fluctuations. Actionable Insights for Navigating Market Volatility How should investors approach this crypto downturn? Consider these strategies: Focus on long-term fundamentals rather than daily price action Diversify across different blockchain projects and use cases Maintain appropriate risk management and position sizing Use volatility as an opportunity for strategic accumulation The current environment may actually present better entry points for long-term investors. Historical patterns suggest that buying during fear periods often yields better returns than buying during euphoria phases. Conclusion: Perspective Matters in Market Cycles Haseeb’s analysis provides valuable context for understanding market cycles. The current crypto downturn, while uncomfortable, lacks the systemic risks that made previous corrections truly dangerous. Market infrastructure has matured, regulatory frameworks are developing, and fundamental adoption continues. This perspective doesn’t mean ignoring risks, but rather understanding their relative severity. The crypto downturn we’re experiencing represents normal market behavior rather than ecosystem collapse. For informed investors, this distinction makes all the difference in navigation strategy. Frequently Asked Questions How long might this crypto downturn last? Market cycles vary in duration, but current indicators suggest this could be a shorter correction phase. Most analysts expect stabilization within several months based on fundamental strength. Should I sell during this crypto downturn? Panic selling rarely produces good outcomes. Consider your investment timeline and risk tolerance. Many experienced investors use downturns to accumulate positions at better valuations. What signs should I watch for recovery? Key recovery indicators include increasing trading volumes, positive regulatory developments, institutional investment flows, and improving market sentiment metrics. How does this compare to previous bear markets? This downturn appears less severe than 2018 or 2022 bear markets. The absence of major exchange failures or stablecoin collapses suggests better underlying ecosystem health. Are cryptocurrency fundamentals still strong? Yes, core fundamentals remain robust. Developer activity, network usage, and institutional adoption continue growing despite price volatility. What protection exists against another FTX-style collapse? Significant improvements include better exchange transparency, proof-of-reserves requirements, enhanced regulatory oversight, and improved industry risk management practices. Found this market perspective helpful? Share this article with other cryptocurrency investors who might benefit from understanding why this crypto downturn differs from previous market crises. Your network will appreciate the historical context and actionable insights. To learn more about the latest crypto market trends, explore our article on key developments shaping cryptocurrency price action and institutional adoption. This post Crypto Downturn: Why This Market Correction is Surprisingly Manageable first appeared on BitcoinWorld.

Author: Coinstats