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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.

15584 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
JPMorgan and DBS Plan New Blockchain Rail for Global Tokenized Payments

JPMorgan and DBS Plan New Blockchain Rail for Global Tokenized Payments

The post JPMorgan and DBS Plan New Blockchain Rail for Global Tokenized Payments appeared on BitcoinEthereumNews.com. Fintech The next phase of digital banking may be shaped by an alliance between two financial heavyweights. Key Takeaways: JPMorgan and DBS are building a shared blockchain framework for cross-chain, cross-bank tokenized deposits. The system enables instant, 24/7 global transfers while maintaining value parity across blockchains. Both banks integrate their existing networks — Kinexys and DBS Token Services — for seamless interoperability. The project reflects a broader move toward regulated tokenized finance among major institutions.  JPMorgan Chase and DBS Bank are collaborating on a new infrastructure that could allow tokenized deposits to move freely across different blockchains — a step that might redefine how money flows between banks. The Architecture of Interoperability At the center of the project is an attempt to solve one of the biggest barriers in tokenized finance: interoperability. Both banks operate advanced blockchain systems — JPMorgan’s Kinexys Digital Payments and DBS Token Services — but until now, transactions between them remained isolated. The new framework will bridge those networks, creating a continuous settlement layer that links private and public blockchains. In practice, this means a client holding tokenized cash at one institution could instantly send funds to another, regardless of which blockchain each bank uses. The system is designed to keep deposits interchangeable, maintaining a one-to-one value across platforms — what both institutions describe as “the singleness of money.” Rethinking Cross-Border Banking Today, even the most advanced payment systems depend on intermediaries and operating-hour constraints. The JPMorgan–DBS model envisions a world where corporate clients can send money globally in seconds, 24/7, using digital representations of deposits instead of traditional wire transfers. That model has implications far beyond efficiency. It suggests that blockchain can act as the settlement layer for the global banking system, not just a niche technology for crypto firms. “Businesses are looking for liquidity…

Author: BitcoinEthereumNews

2025/11/12

Tether Launches USD₮0, CNH₮0 on China-Approved Conflux

Tether Launches USD₮0, CNH₮0 on China-Approved Conflux

The post Tether Launches USD₮0, CNH₮0 on China-Approved Conflux appeared on BitcoinEthereumNews.com. Tether launched CNH₮0 and USD₮0 on Conflux to link offshore yuan and U.S. dollar liquidity for faster cross-border use. The Conflux deployment gives Tether a regulatory-aligned network in Asia for CNH-denominated payments, credit, and FX flows. The dual launch builds a unified liquidity layer so businesses can move value between China-focused and dollar markets. Tether is expanding its on-chain liquidity network by launching CNH₮0 and USD₮0 on the Conflux blockchain. The launch links China’s offshore yuan and the U.S. dollar to a network that is approved for use in China. Tether is targeting cross-border settlements across Asia, the Middle East, and Europe so institutional users can move value in compliant environments. The Tether expansion shows the issuer is tying real-world currencies to chains regulators and enterprises already recognize. Tether Strengthens CNH Liquidity Across Chains CNH₮0, the omnichain version of Tether’s offshore yuan token, gives users more flexibility in cross-border transactions. CNH₮0 lets CNH-backed value move across multiple chains without wrapped tokens or liquidity fragmentation. That means institutions, FX desks, and developers can build payments networks, lending markets, and routing tools on top of CNH liquidity. The CNH₮0 design creates room for yuan-linked rails in regions where offshore yuan already circulates. The CNH₮0 rollout on Conflux also lowers settlement costs and time for international businesses. The Tether yuan token supports CNH-denominated liquidity pools and credit instruments that expand financial access across global markets. The CNH₮0 model simplifies trade invoicing, streamlines capital movement, and reinforces the use of offshore yuan in digital finance. That positions CNH₮0 as a building block for new cross-border payment products. Related: Tether Targets $20B Raise at $500B Valuation, Expansion Beyond Crypto Planned Why Tether Picked Conflux The first deployment of CNH₮0 and USD₮0 takes place on Conflux, a high-throughput Layer 1 blockchain optimized for real-world use cases.…

Author: BitcoinEthereumNews

2025/11/12

Softening stablecoin stance could rattle UK credit markets, BoE deputy warns

Softening stablecoin stance could rattle UK credit markets, BoE deputy warns

The post Softening stablecoin stance could rattle UK credit markets, BoE deputy warns appeared on BitcoinEthereumNews.com. If the UK softens its stance towards stablecoins, it could pose risks to financial stability and trigger a credit crunch, according to the Bank of England’s deputy governor, Sarah Breeden, who has recently defended the central bank’s proposed holding limits and liquidity rules for stablecoin issuers. Summary BoE deputy Sarah Breeden says strict stablecoin rules are necessary to preserve economic stability. The central bank has proposed stablecoin holding limitations, which critics argue could drive away innovation. Speaking to Reuters, Breeden touched upon how the UK’s approach was necessarily more cautious when placed side by side with the U.S., because of a “different set of risks” tied to the country’s heavy reliance on bank lending and the structural adjustments needed to accommodate this “new form of money.” Breeden’s comments come in response to mounting industry backlash over the stringent proposals that the central bank unveiled earlier this week, after several years of consultation and debate around how stablecoins should fit into the UK’s financial system. On Monday, the BoE unveiled the UK’s first formal regulatory framework for stablecoins, but placed a cap of 20,000 pounds on individual holdings and 10 million pounds for businesses. If that wasn’t enough, the proposal also requires issuers to keep 40% of their reserve assets in non-interest-bearing deposits at the central bank. Breeden said that protections like the 40% deposit rule were “grounded” in past incidents that highlighted systemic vulnerabilities. She specifically highlighted the collapse of Silicon Valley Bank back in 2023, when Circle’s USDC lost its peg after billions in reserves were frozen. Further defending the restrictions, Breeden said the rules can potentially “halve the stress” on banks by limiting large outflows of deposits that might otherwise be used to purchase stablecoins, thereby cushioning the impact on credit creation and lending activity across the country.…

Author: BitcoinEthereumNews

2025/11/12

Ethereum (ETH) Price: Former BlackRock Executive Says It’s Wall Street’s Blockchain of Choice

Ethereum (ETH) Price: Former BlackRock Executive Says It’s Wall Street’s Blockchain of Choice

TLDR Former BlackRock executive Joseph Chalom says Ethereum is the only blockchain with the trust, security, and liquidity Wall Street needs for digitizing finance Tokenized fund assets on Ethereum have surged nearly 2,000% since January 2024, led by BlackRock and Fidelity bringing investment funds on-chain Chalom’s company Sharplink holds over $3 billion in ETH and [...] The post Ethereum (ETH) Price: Former BlackRock Executive Says It’s Wall Street’s Blockchain of Choice appeared first on CoinCentral.

Author: Coincentral

2025/11/12

Polygon News: Polygon, Anq Teams Meet PM Modi’s Advisor to Discuss Tokenization, Stablecoins

Polygon News: Polygon, Anq Teams Meet PM Modi’s Advisor to Discuss Tokenization, Stablecoins

Polygon and Anq met PM Modi’s advisor, Sanjeev Sanyal, to discuss tokenization and a new, sovereign-backed Indian stablecoin model. The blockchain innovators Polygon and Anq recently engaged with a top Indian government official. They had an important meeting with Sanjeev Sanyal in New Delhi. He is an important member of Prime Minister Narendra Modi’s Economic […] The post Polygon News: Polygon, Anq Teams Meet PM Modi’s Advisor to Discuss Tokenization, Stablecoins appeared first on Live Bitcoin News.

Author: LiveBitcoinNews

2025/11/12

How a Crypto Derivatives Exchange Should Define Mark Price

How a Crypto Derivatives Exchange Should Define Mark Price

The Right Balance Between Theoretical Price and Orderbook Reality Mark Price is one of the most important numbers inside a derivatives exchange. It determines when liquidations trigger, how margin is calculated, and whether traders feel the system is fair and robust. A robust derivatives venue needs a Mark Price that is accurate, manipulation-resistant, and stable. Achieving all three requires blending two key signals: Theoretical Price (Theo) Orderbook-Implied Price (OB-Mid) The challenge is not choosing one or the other, but understanding when each should dominate. What Theo Represents: The Safety Anchor Theo is a fair-value estimate built from external market data: for spot / perp: a multi-exchange index for dated future / options: a pricing model under certain assumptions Theo does not tell you where liquidations can actually execute. Its role is different: It acts as a guardrail when: an asset has thin liquidity on the venue manipulation orders unrealistically shift the book wrong or stale prices are mistakenly placed If the exchange blindly trusts the orderbook in these scenarios, users can be unfairly liquidated – or the exchange itself may take unnecessary risk. Theo is the price that says: What OB-Mid Represents: The Executable Reality Orderbook-implied price (depth-weighted mid, or model fitting) captures: real executable levels liquidity and depth conditions This is crucial because liquidations must reflect where the market can actually trade. When liquidity is normal, OB-Mid is far more informative than Theo. OB-Mid answers the practical question: The Correct Design: A Corridor Between Theo and OB-Mid Use OB-Mid when the market is healthy. Use Theo when market signals become unreliable.

  1. Compute Theo.
  2. Compute OB-Mid.
  3. Define a threshold Δ.
  4. Apply the rule:
If OB-Mid lies within Theo ± Δ → use OB-Mid Otherwise → use Theo ± Δ On top of this, exchanges apply smoothing (moving average or filtering) to prevent unnecessary mark spikes. This blended structure ensures: fairer liquidations resistance to manipulation smoother price evolution alignment with global markets robustness for thin or unstable orderbooks In simple terms: Why This Matters Even More for Altcoins BTC and ETH typically have: deep liquidity tight spreads stable external references OB-Mid can dominate most of the time. But altcoins often face: fragmented markets thin books sudden spread jumps low cost of influencing OB-Mid In these cases, an exchange relying solely on orderbook signals becomes vulnerable. Theo must take a larger role, and the threshold Δ should expand dynamically based on liquidity conditions. Conclusion A robust Mark Price must reflect real execution while being protected by fair-value boundaries. The correct framework is not Theo versus OB-Mid, but a dynamic interaction: OB-Mid = primary signal for actual trading conditions Theo = protective barrier against noise, errors, and manipulation This corridor approach reflects the modern standard at a time when crypto regulation is progressing but still far from broad. As the regulatory landscape continues to mature, exchanges must design robust and automated safeguards to protect both themselves and their users – rather than relying on market stability or assuming that regulation will catch every form of manipulation. How a Crypto Derivatives Exchange Should Define Mark Price was originally published in Coinmonks on Medium, where people are continuing the conversation by highlighting and responding to this story

Author: Medium

2025/11/12

Evernorth Details $1B ‘Yield-Bearing’ XRP Fund for Nasdaq

Evernorth Details $1B ‘Yield-Bearing’ XRP Fund for Nasdaq

The post Evernorth Details $1B ‘Yield-Bearing’ XRP Fund for Nasdaq appeared on BitcoinEthereumNews.com. Evernorth will operate similarly to an asset management fund, holding and deploying XRP while offering shares of its treasury Birla stated that Evernorth intends to list its fund shares under the ticker XRPN on NASDAQ, as early as Q1 2026 Instead of simply holding XRP, the treasury will deploy it into yield-generating opportunities across the growing XRPL and cross-chain DeFi ecosystem Evernorth’s CEO Asheesh Birla joined Tony Edward on his Thinking Crypto podcast to talk about the company’s new $1 billion fund dedicated to holding XRP. The company will operate similarly to an asset management fund, holding and deploying XRP while offering shares of its treasury. This model is designed for large institutions and corporate treasuries that want to invest in crypto but prefer to avoid the complexity and security risks of handling the digital assets directly. During the podcast, Birla stated that Evernorth intends to list its fund shares under the ticker XRPN on NASDAQ, as early as Q1 2026.  Related: Ripple-Backed Evernorth Aims to Raise Over $1B for XRP Treasury When investors buy shares of XRPN, they are essentially buying a piece of the company’s XRP holdings. This approach is similar to how Bitcoin ETFs work and follows the same principle as MicroStrategy’s well-known plan of holding a large amount of Bitcoin on its corporate balance sheet. How This Model Differs From a Standard ETF However, Evernorth’ strategy goes a step further. Mainly, instead of simply holding XRP, the treasury will deploy it into yield-generating opportunities across the growing XRPL and cross-chain DeFi ecosystem.  It was stated that yield generated from staking, lending, and liquidity routing will be used to accumulate additional XRP, allowing the treasury’s asset holdings per share to grow over time. This is different from standard ETFs, which simply hold the asset without trying to…

Author: BitcoinEthereumNews

2025/11/12

Tokenized Loan Platform Aims to Modernize Small Bank Lending

Tokenized Loan Platform Aims to Modernize Small Bank Lending

The post Tokenized Loan Platform Aims to Modernize Small Bank Lending appeared on BitcoinEthereumNews.com. Financial tech provider FIS and structured finance platform Intain are rolling out a blockchain-based marketplace built on AVAX$17.36 that allows regional and community banks to securitize and sell loan portfolios directly to institutional investors, the firms told CoinDesk. Digital Liquidity Gateway, as it is dubbed, tokenizes loans as non-fungible tokens (NFTs), automates settlement including with stablecoins like USDC, and removes layers of intermediaries that often make asset-backed finance slow and costly. It’s integrated with FIS’s core banking systems that provide software and payment infrastructure to more than 20,000 clients worldwide. The platform is already onboarding banks and investors, with hundreds of millions of dollars in loan transactions expected by the end of the year starting with loan pools tied to commercial real estate and aviation finance, the companies said. The initiative fits into a broader shift as asset managers, banks and fintechs place assets onto blockchain rails in a process called tokenization of real-world assets (RWA). While many of those efforts focus on large institutions, Intain and FIS are aiming at the long tail of community and regional banks that fund much of local small business lending but rarely reach securitization markets. “These small banks are remote from most capital markets flows,” John Omahen, head of digital assets at FIS, said in an interview. “They originate loans and sit on them. They don’t have the expertise to structure deals or reach investors. What we’re doing is creating a place where those assets can meet demand, and capital can move more efficiently.” Loan tokenization to increase transparency Recent failures and controversies, including those at auto lender Tricolor and car parts manufacturer First Brands, have highlighted how weak data controls and opaque loan tracking can lead to double-pledging, mispricing and investor losses. Digital Liquidity Gateway’s key feature is loan tokenization, where each…

Author: BitcoinEthereumNews

2025/11/12

SoFi Launches Crypto Trading, Citing ‘Bank-Level Confidence’ as Key Edge

SoFi Launches Crypto Trading, Citing ‘Bank-Level Confidence’ as Key Edge

The post SoFi Launches Crypto Trading, Citing ‘Bank-Level Confidence’ as Key Edge appeared on BitcoinEthereumNews.com. SoFi has become the first nationally chartered consumer bank in the U.S. to launch in-app cryptocurrency trading, adding bitcoin, ethereum, and solana access to its growing suite of financial services. The company announced the launch of SoFi Crypto on Tuesday, marking a significant expansion of its all-in-one financial platform. Customers will now be able to buy, sell, and hold dozens of cryptocurrencies alongside checking, savings, lending, and investing. The crypto feature is rolling out in phases and will be available to all users in the coming weeks, according to the company. The move follows a shift in SoFi’s strategy after the company paused digital asset services in 2023 while seeking a banking license. At the time, crypto faced stricter regulatory scrutiny under the Biden dministration. Earlier this year, CEO Anthony Noto said SoFi planned to re-enter the crypto space, and this rollout marks the company making good on that pledge. Unlike fintechs or brokerages, SoFi operates with a full national bank charter, which brings stricter compliance requirements. That difference could matter to customers: the company says 60% of its users would rather store crypto with a licensed bank than a crypto-native exchange. SoFi is also developing a U.S. dollar stablecoin and has plans to integrate crypto further into lending and payments products. Source: https://www.coindesk.com/business/2025/11/11/sofi-launches-crypto-trading-citing-bank-level-confidence-as-key-edge

Author: BitcoinEthereumNews

2025/11/12

Shiba Inu (SHIB) Partners With Unity Nodes to Unlock Real-World Crypto Utility

Shiba Inu (SHIB) Partners With Unity Nodes to Unlock Real-World Crypto Utility

TLDR: Unity Nodes integrates telecom testing with blockchain, rewarding SHIB holders. SHIB payments grant extra Unity Licenses and exclusive NFTs. Node operators can earn directly in SHIB or lease for passive income. Only 6,000 Unity Nodes available, emphasizing scarcity for early adopters. Shiba Inu (SHIB) is moving beyond its meme token origins with a new [...] The post Shiba Inu (SHIB) Partners With Unity Nodes to Unlock Real-World Crypto Utility appeared first on Blockonomi.

Author: Blockonomi

2025/11/12

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