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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.

15624 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Revolutionary Yield-Bearing Stablecoin Launches On Polygon: Boost Your DeFi Returns

Revolutionary Yield-Bearing Stablecoin Launches On Polygon: Boost Your DeFi Returns

The post Revolutionary Yield-Bearing Stablecoin Launches On Polygon: Boost Your DeFi Returns appeared on BitcoinEthereumNews.com. Are you ready to supercharge your DeFi portfolio? Ant Financial’s RWA protocol has just launched a game-changing yield-bearing stablecoin on Polygon, promising both stability and passive income. This innovative move could redefine how we use stablecoins in decentralized finance. What Is a Yield-Bearing Stablecoin and Why Does It Matter? A yield-bearing stablecoin combines the reliability of a pegged asset with the earning potential of yield generation. Unlike traditional stablecoins that simply hold their value, this new offering from R25, Ant Financial’s real-world asset protocol, automatically generates returns from money market funds and structured notes. Therefore, it maintains its $1 peg while growing your holdings. How Does the rcUSD+ Stablecoin Work on Polygon? The rcUSD+ stablecoin operates by leveraging real-world assets to produce yield. Here’s how it benefits users: Stable Value: It consistently holds a $1 peg, reducing volatility risks. Passive Income: Yield is generated automatically from diversified investments. Ecosystem Integration: It will be supplied across Polygon’s DeFi platforms, enhancing liquidity. Moreover, by building on Polygon, it taps into low transaction fees and high scalability, making it accessible to a broader audience. What Are the Key Benefits of This Yield-Bearing Stablecoin? This yield-bearing stablecoin offers multiple advantages for crypto enthusiasts. First, it provides a safe haven during market fluctuations, as the peg ensures stability. Second, the built-in yield mechanism means your assets work for you without active management. Additionally, integration into Polygon’s DeFi ecosystem allows for seamless use in lending, borrowing, and trading. Are There Any Challenges to Consider? While promising, this yield-bearing stablecoin faces hurdles. Regulatory scrutiny on real-world assets could impact growth. Also, reliance on money market funds introduces traditional financial risks. However, Ant Financial’s backing adds credibility, potentially mitigating these concerns. How Can You Get Started with Yield-Bearing Stablecoins? To leverage this yield-bearing stablecoin, begin by exploring DeFi…

Author: BitcoinEthereumNews

2025/11/14

Dusk and NPEX Tap Chainlink to Bring Regulated European Securities Onchain

Dusk and NPEX Tap Chainlink to Bring Regulated European Securities Onchain

Dusk and NPEX adopt Chainlink’s interoperability and data standards, integrating CCIP, Data Streams and DataLink to bring regulated European securities onchain.

Author: Blockchainreporter

2025/11/14

Seismic secures $10m for blockchain privacy infrastructure

Seismic secures $10m for blockchain privacy infrastructure

The post Seismic secures $10m for blockchain privacy infrastructure appeared on BitcoinEthereumNews.com. Seismic has raised $10 million in a round led by a16z to break the privacy barrier that’s kept fintechs from using public blockchains for sensitive services like private credit and cash accounts. Announced Nov. 12 by founder Lyron Co Ting Keh, the funding—joined by Polychain, dao5, Amber Group, TrueBridge Capital, and LayerZero Labs—brings the startup’s total to $17 million after its March seed round. Summary Seismic raised $10 million in a16z-led funding round, bringing total capital to $17M. The blockchain startup targets privacy barriers that limit fintech adoption of public blockchains. Keh pointed to surging fintech interest in crypto for cross-border payments and lending, but identified the inherent transparency of public ledgers as a critical roadblock for handling sensitive user data. Inside Seismic’s vision for blockchain privacy Seismic is building an encrypted blockchain with privacy embedded at the base protocol — a departure from the wallet-level or app-layer tools that dominate today. Already live in devnet, the network allows smart contracts to process sensitive data without exposing it on a public ledger. Early partners include Brookwell, which offers stablecoin-based cash accounts, and Cred Protocol, which provides private credit scoring. The company expects to begin generating revenue early next year through per-transaction fees, eventually expanding into fiat ramps and card programs. The new round comes just months after a16z first backed the company in June. At the time, the firm argued that the radical transparency of major L1s remains a “critical barrier” for industries like financial services and healthcare. Zero-knowledge proofs can guarantee correctness, they noted, but often “hamper composability,” making applications that require shared private state nearly impossible. Seismic’s architecture, they argued, offers a way around that. The momentum also reflects a broader industry shift: blockchain privacy is moving from niche add-on to prerequisite for mainstream adoption. A16z’s policy leads…

Author: BitcoinEthereumNews

2025/11/14

PBOC sets USD/CNY reference rate at 7.0825 vs. 7.0865 previous

PBOC sets USD/CNY reference rate at 7.0825 vs. 7.0865 previous

The post PBOC sets USD/CNY reference rate at 7.0825 vs. 7.0865 previous appeared on BitcoinEthereumNews.com. The People’s Bank of China (PBOC) set the USD/CNY central rate for the trading session ahead on Friday at 7.0825 compared to the previous day’s fix of 7.0865 and 7.0964 Reuters estimate. 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-70825-vs-70865-previous-202511140115

Author: BitcoinEthereumNews

2025/11/14

Aave founder warns U.K. rules could make GBP stablecoins ‘unattractive’

Aave founder warns U.K. rules could make GBP stablecoins ‘unattractive’

The post Aave founder warns U.K. rules could make GBP stablecoins ‘unattractive’ appeared on BitcoinEthereumNews.com. Key Takeaways Why is the U.K.’s new proposal bad for stablecoins?  Per Kulechov, the reserve model and holding restriction would repel issuers  What’s the status of pound-backed stablecoins? They rank 10th on the stablecoin market, and the proposal would do less to improve their standings.  The Founder of DeFi lending protocol Aave [AAVE], Stani Kulechov, has slammed the recent U.K. proposal to cap stablecoins at £20k and limit yield-bearing reserves to only 60%.  In an X post, Kulechov warned that if the country proceeds with the “misguided” plan, stablecoin issuers would likely give it a pass. He quipped,  “That (60% yielding assets) makes pound-backed stablecoins inefficient, uncompetitive, and unattractive compared with global alternatives.” For Kulechov, however, the plans could dent the pound-based stablecoin growth potential. He added,  “HM Treasury is likely to copy this approach, turning the UK into one of the least appealing places to issue a stablecoin. This is another misguided move by the Bank of England.”  Source: X GBP vs U.S dollar-backed stablecoins For comparison, the U.S. doesn’t limit the amount of reserve assets that are investable in yield-bearing products, such as T-bills. The only key prerequisite is a 1:1 backing for the issued stablecoin.  The business model is lucrative due to the yield. Tether, the USDT issuer, for example, has made $10B in YTD profits because of this viable model. About 77% of USDT reserves are parked in T-bills and cash equivalents.  Now, some players plan to lobby the U.K. government to relax the restrictions, perhaps to mirror the U.S. stance and remain attractive.  That said, the US dollar enjoys a massive moat due to its global reserve standing, as evidenced by its substantial foreign reserves.  The macro moat behind USD dominance According to the IMF, as of 2025, the USD controlled 58% of global foreign…

Author: BitcoinEthereumNews

2025/11/14

FDIC’s Bold New Guidelines Unveiled

FDIC’s Bold New Guidelines Unveiled

The post FDIC’s Bold New Guidelines Unveiled appeared on BitcoinEthereumNews.com. Are you curious about how your digital deposits could gain federal protection? The U.S. FDIC is making waves by preparing guidelines for tokenized deposit insurance, a move that could reshape the crypto landscape. This development highlights the growing recognition of blockchain’s role in finance while ensuring consumer safety. What Is Tokenized Deposit Insurance and Why Does It Matter? Tokenized deposit insurance refers to the FDIC’s plan to extend coverage to deposits moved onto blockchain networks. According to FDIC Commissioner Travis Hill, this step acknowledges that digitizing deposits doesn’t change their legal standing. Therefore, users can expect the same security as traditional bank accounts. How Do Tokenized Deposits Differ From Stablecoins? Many people confuse tokenized deposits with stablecoins, but they serve distinct purposes. Tokenized deposits represent insured claims on financial institutions, whereas stablecoins are typically backed by fiat reserves without deposit insurance. This key difference means tokenized deposit insurance offers a safer option for blockchain-based savings. Tokenized deposits are legal claims on banks Stablecoins lack federal insurance protection Blockchain technology enhances transaction efficiency What Benefits Does Tokenized Deposit Insurance Offer? The introduction of tokenized deposit insurance brings multiple advantages. First, it boosts trust in digital finance by providing familiar safeguards. Moreover, it encourages innovation by clarifying regulatory expectations. For instance, businesses can develop new products knowing deposits are protected. What Challenges Might Arise With These Guidelines? Implementing tokenized deposit insurance isn’t without hurdles. Regulators must address technical risks like smart contract vulnerabilities. Additionally, educating the public about these new protections will be crucial. However, the FDIC’s proactive approach signals a commitment to overcoming these obstacles. How Can You Prepare for This Change? As the FDIC refines its tokenized deposit insurance guidelines, staying informed is key. Follow official announcements and consult reliable sources. Also, consider how this shift might affect your digital…

Author: BitcoinEthereumNews

2025/11/14

A $0.035 Token Is Quickly Becoming the Next Big Crypto, Here’s Why

A $0.035 Token Is Quickly Becoming the Next Big Crypto, Here’s Why

There is a new crypto token which is catching attention among all trading groups and forums, it is priced at only $0.035. Shareholders are citing a quick pace in its pre-sale and a roadmap that appears to be prepared to go live. Most of the bigger coins are entangled in lateral designs, however, this new-found […]

Author: Cryptopolitan

2025/11/14

Threshold Upgrades tBTC Bridge for Enhanced Institutional Bitcoin DeFi Access

Threshold Upgrades tBTC Bridge for Enhanced Institutional Bitcoin DeFi Access

Crypto infrastructure platform Threshold has announced a significant upgrade to its tBTC bridge, aimed at attracting institutional investors to leverage their Bitcoin holdings within decentralized finance (DeFi) protocols. This new development simplifies the process of tokenizing Bitcoin, making it easier for large-scale investors to use their assets across multiple blockchains, thereby boosting liquidity and DeFi [...]

Author: Crypto Breaking News

2025/11/14

Avalanche Gets a New Yield Model With the Launch of SIERRA Token

Avalanche Gets a New Yield Model With the Launch of SIERRA Token

The post Avalanche Gets a New Yield Model With the Launch of SIERRA Token appeared on BitcoinEthereumNews.com. Altcoins Avalanche’s DeFi ecosystem just gained a new category of yield instrument. Sierra Protocol has released SIERRA, a token built to earn yield automatically through a shifting basket of assets — the first of its kind on the network. Instead of promising a fixed return or tracking a stable value, SIERRA operates more like a liquid, on-chain fund whose composition updates as market risks evolve. The project revealed the launch on Thursday, describing SIERRA as a bridge between traditional fixed-income products and decentralized liquidity pools. How SIERRA Works The token isn’t designed to hold a peg or mimic the behavior of a stablecoin. Instead, it’s supported by collateral that continuously generates yield. Once a user acquires SIERRA — either via the protocol’s application or by swapping USDC through LFJ, Avalanche’s main DEX — the token immediately begins accumulating returns. There are no staking steps, no lock periods, and no minimum balance requirements. What makes SIERRA different from earlier attempts at yield tokens is its backing structure: a blend of real-world financial instruments and DeFi lending markets. As conditions shift, the mix of these assets is recalibrated using Sierra’s internal risk models. SIERRA is available within the Avalanche ecosystem through the Sierra app and LFJ. Its structure is backed by reserves that generate yield and are dynamically adjusted through Sierra’s Risk Framework. pic.twitter.com/adrIWtQObH — Avalanche🔺 (@avax) November 13, 2025 Dynamic Reserves Rather Than Static Backing Sierra describes SIERRA as the first “Liquid Yield Token” whose reserves are actively managed rather than fixed. Its portfolio might include: U.S. Treasury money-market exposure Investment-grade financing instruments Lending positions on established protocols like Morpho, Aave, Euler, Pendle and Wildcat This dynamic approach contrasts with yield-bearing stablecoins, which remain pegged and often rely on a single category of backing assets. Users can monitor every shift in…

Author: BitcoinEthereumNews

2025/11/14

mXRP, a yield-based tokenized XRP product, has been extended to BNB Chain via Lista DAO.

mXRP, a yield-based tokenized XRP product, has been extended to BNB Chain via Lista DAO.

PANews reported on November 14th that, according to The Block, mXRP, a yield-generating tokenized XRP product developed by Midas in collaboration with Axelar developer Interop Labs, is expanding to the BNB Chain through integration with the lending protocol Lista DAO. This integration allows mXRP to be used as collateral on the Lista lending market, enabling holders to earn both the base yield of mXRP and additional DeFi rewards in liquidity pools and lending markets. This expansion extends mXRP's existing applications beyond the XRP Ledger and its Ethereum Virtual Machine (EVM) sidechain.

Author: PANews

2025/11/14

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