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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.

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Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Fed Governor Predicts Multi-Trillion Dollar Stablecoin Boom Will Force Down US Interest Rates

Fed Governor Predicts Multi-Trillion Dollar Stablecoin Boom Will Force Down US Interest Rates

A senior U.S. Federal Reserve official has warned that the explosive growth of stablecoins, dollar-pegged digital tokens now processing trillions of dollars in payments, could reshape global finance and exert long-term downward pressure on U.S. interest rates. In a speech titled “A Global Stablecoin Glut: Implications for Monetary Policy” delivered at the BCVC Summit 2025 in New York, Fed Governor Stephen I. Miran said the rising demand for stablecoins is likely to increase purchases of U.S. Treasury securities and other liquid dollar assets. This, he argued, could mimic the effects of the early-2000s “global savings glut” that depressed rates worldwide. “Stablecoins may become a multitrillion-dollar elephant in the room for central bankers,” Miran said. “Their growth increases the supply of loanable funds in the U.S. economy, placing downward pressure on the neutral interest rate.” Trillions in Stablecoins Could Lower Neutral Interest Rate by 40 Basis Points Miran’s comments come as the Federal Reserve maintains a target range of 3.75% to 4.00% for the federal funds rate, following two cuts this year. The effective rate currently sits around 3.87%, marking a decline from 4.33% earlier in 2025. The Fed governor’s analysis suggests that even without further rate cuts, the rapid adoption of stablecoins could naturally exert downward pressure on borrowing costs. By attracting trillions in reserves into dollar-backed digital assets, much of it from outside the U.S., stablecoins effectively expand the pool of funds available for lending, similar to how global capital inflows once helped keep yields low in the 2000s. According to Miran, the rise of stablecoins could lower the neutral interest rate, the level at which monetary policy is neither stimulating nor restricting the economy, by as much as 40 basis points if adoption projections materialize. Under the new GENIUS Act, passed earlier this year, U.S. stablecoin issuers must hold reserves fully backed by safe, liquid dollar assets such as Treasury bills, repos, and government money market funds. This mandate, Miran said, could substantially boost demand for U.S. debt. The Fed estimates that the stablecoin market could grow to between $1 trillion and $3 trillion by 2030, rivaling the scale of quantitative easing programs from the COVID-19 era. According to Andreessen Horowitz’s “State of Crypto 2025” report, stablecoins processed $46 trillion in transactions over the past year, a 106% increase from 2024, and now rival the U.S. Automated Clearing House (ACH) in payment volume. Collectively, stablecoin reserves hold over $150 billion in U.S. Treasuries, making them the 17th largest holder of American debt, ahead of several sovereign nations. Stablecoins Now Represent Over 1% of U.S. Dollars in Circulation, Reshaping Global Finance Miran compared the rise of stablecoins to the early-2000s “global savings glut,” which saw an influx of foreign capital into U.S. debt markets, driving down yields. The effect, he warned, could be similar: more savings chasing safe dollar assets, reducing the equilibrium or “neutral” interest rate. Economists Marina Azzimonti and Vincenzo Quadrini previously estimated that widespread stablecoin adoption could push rates down by as much as 40 basis points. If accurate, that shift could mean the Fed would need to keep policy rates lower than they otherwise would to maintain economic balance. Miran cautioned that if the Fed failed to adjust to a lower rate, monetary policy could become “unintentionally contractionary.” Once seen as a niche instrument for crypto trading, stablecoins have become one of the largest digital payment systems in the world. Transfers settle in seconds, cost less than a cent, and are increasingly used for remittances, cross-border trade, and decentralized finance (DeFi) activity. Data from A16z shows that more than 1% of all U.S. dollars in circulation now exist in tokenized form on public blockchains, a milestone that underscores how digital dollars are reshaping global finance

Author: CryptoNews

2025/11/10

Clean, Cheap Energy Looks Like A Political Winner

Clean, Cheap Energy Looks Like A Political Winner

The post Clean, Cheap Energy Looks Like A Political Winner appeared on BitcoinEthereumNews.com. Current Climate brings you the latest news about the business of sustainability every Monday. Sign up to get it in your inbox. New Jersey governor-elect Mikie Sherrill. © 2025 Bloomberg Finance LP Inflation and higher energy costs were among the issues that helped Democrats notch larger-than-expected wins in last week’s off-year elections, particularly in gubernatorial races in Virginia and New Jersey, as well as in Georgia, where voters elected two Democrats to the state’s utility board, the first time any members of that party will serve on it in almost two decades. In Virginia, Governor-elect Abigail Spanberger made clean power, including renewables and offshore wind, central to her goal of lowering energy prices for the state’s residents. Likewise, in New Jersey, Mikie Sherrill pledged to declare a state of emergency over rising utility costs on her first day in office and freeze rate increases for residential customers. She said her administration will also “massively build out cheaper and cleaner power generation.” Surveys consistently show that a majority of Americans favor increased use of renewable power, though earlier this year, Pew and Gallup found support for doing so had weakened considerably from past levels. Perhaps that’s because Donald Trump was elected on a promise of lowering costs for Americans, particularly energy prices, by setting aside environmental concerns to dramatically increase oil and gas production and even expand coal use. So far, that strategy has failed. While gasoline prices are down slightly from a year ago, residential electricity rates have jumped about 10% this year, more than double the rate of overall inflation. The rapid increase in power demands from AI data centers has been a big factor in why electricity prices are rising. At the same time, the Trump administration’s elimination of federal incentives for clean power threatens to make it…

Author: BitcoinEthereumNews

2025/11/10

Best Altcoins Soar as Tom Lee Makes $63,000 Ethereum Prediction: PEPENODE to Rally Soon?

Best Altcoins Soar as Tom Lee Makes $63,000 Ethereum Prediction: PEPENODE to Rally Soon?

Quick Facts: 1️⃣ Tom Lee’s $63K Ethereum prediction revives the tokenization narrative, projecting that even a fraction of global financial assets moving on-chain could reprice $ETH dramatically higher. 2️⃣ As tokenized treasuries like BlackRock’s BUIDL Fund surpass $2.8B AUM, institutional validation of on-chain finance strengthens confidence in Ethereum’s long-term upside. 3️⃣ PepeNode ($PEPENODE) merges meme-coin […]

Author: Bitcoinist

2025/11/10

Which Crypto Should You Consider Investing in November, MUTM or SOL?

Which Crypto Should You Consider Investing in November, MUTM or SOL?

As 2025 enters its final quarter, the crypto market shows signs of strength. Bitcoin holds steady, and traders are watching altcoins with growing optimism. Liquidity is returning, and projects with real utility are taking the spotlight again. While Solana (SOL) continues to lead in fast DeFi transactions, a new contender, Mutuum Finance (MUTM), is capturing [...] The post Which Crypto Should You Consider Investing in November, MUTM or SOL? appeared first on Blockonomi.

Author: Blockonomi

2025/11/10

Pagaya Technologies (PGY) Stock Jumps 17% as AI Fintech Posts Record Q3 Results

Pagaya Technologies (PGY) Stock Jumps 17% as AI Fintech Posts Record Q3 Results

TLDR Pagaya Technologies (PGY) reported Q3 2025 adjusted earnings of $1.02 per share, crushing analyst estimates of $0.18, while revenue hit a record $350.2 million. The company’s stock jumped 17.18% in pre-market trading following the earnings announcement. Pagaya raised its full-year 2025 guidance for the third consecutive quarter, now expecting revenue between $1.3 billion and [...] The post Pagaya Technologies (PGY) Stock Jumps 17% as AI Fintech Posts Record Q3 Results appeared first on Blockonomi.

Author: Blockonomi

2025/11/10

De Guindos says the ECB sees no need to change interest rates at this time

De Guindos says the ECB sees no need to change interest rates at this time

De Guindos says the ECB sees no need to change interest rates at this time.

Author: Cryptopolitan

2025/11/10

THORWallet adds Stellar cross-chain swaps with NEAR Intents

THORWallet adds Stellar cross-chain swaps with NEAR Intents

The post THORWallet adds Stellar cross-chain swaps with NEAR Intents appeared on BitcoinEthereumNews.com. THORWallet, the mobile-first non-custodial wallet bridging DeFi and TradFi, is thrilled to announce that Stellar cross-chain swap routes are now live powered by NEAR Intents. This new integration enables users to swap Stellar assets such as XLM or USDC (on Stellar) directly to and from Bitcoin, Ethereum, Solana, BNB Chain, and other major networks all within the THORWallet mobile app, without bridges or custodial intermediaries. “Adding Stellar cross-chain liquidity completes a major milestone in our vision for a truly chain-agnostic wallet,” said Marcel Harmann, CEO of THORWallet DEX. “Together with NEAR Intents, users can now move value from Stellar to virtually any major blockchain in one step, all while keeping full custody of their assets.” A Major Leap for Stellar and THORWallet Users Stellar has long been recognized for its fast, low-cost global payments and its expanding stablecoin ecosystem, led by USDC on Stellar. With NEAR Intents now connecting Stellar directly to other major ecosystems, THORWallet users can move from Stellar USDC to Ethereum, Solana, or Bitcoin seamlessly, unlocking powerful new cross-chain use cases for payments, DeFi, and trading. The integration builds on THORWallet’s growing cross-chain infrastructure stack, which already includes THORChain, Maya, Chainflip, 1inch, and now NEAR Intents. This positions THORWallet as one of the most comprehensive DeFi wallets available uniting multiple DEX and intent-based protocols under one intuitive interface. Furthermore, THORWallet supports Blend, one of the top lending protocols on Stellar, enabling users to lend or borrow with XLM and USDC. By combining Blend access with new cross-chain swap routes, THORWallet makes it easier than ever for users from other ecosystems to tap into lending opportunities on the Stellar network, participate in yield strategies, and move liquidity seamlessly across DeFi markets. Strong Growth Momentum Across Ecosystems THORWallet continues to show exceptional traction, with total swap volume surpassing $1.7…

Author: BitcoinEthereumNews

2025/11/10

eToro's crypto business saw strong growth in the third quarter and plans to launch a multi-functional crypto wallet.

eToro's crypto business saw strong growth in the third quarter and plans to launch a multi-functional crypto wallet.

PANews reported on November 10 that eToro's Q3 2025 financial report showed strong performance in its crypto-related business, with crypto transaction volume increasing by 84% year-on-year in October and average investment amount increasing by 52%, reflecting a significant increase in user activity. eToro stated that it is accelerating the construction of a crypto ecosystem that integrates traditional finance and Web3, and expects to launch a crypto wallet that integrates prediction markets, lending, and tokenization functions in the coming quarters. Meanwhile, the company has expanded its support for crypto assets to 110 in the United States and launched staking services for ADA, ETH, and SOL.

Author: PANews

2025/11/10

Can Centralized Crypto Exchanges Still Compete in the Decentralized Era?

Can Centralized Crypto Exchanges Still Compete in the Decentralized Era?

Can centralized exchanges still shine in a world ruled by decentralization? Discover how innovation, trust, and technology keep them leading the crypto race even today.CEX A major question arises, can centralized crypto exchanges still hold their ground in an era dominated by decentralization? With decentralized exchanges (DEXs) gaining popularity for their transparency and user control, many entrepreneurs and startup founders are re-evaluating the role of centralized exchanges. Yet, despite the rising trend of DEXs, Centralized Crypto Exchange Development continues to play a key role in the digital asset ecosystem, offering scalability, security, and trust that many businesses still rely on. Why Centralized Exchanges Continue to Thrive Centralized crypto exchanges (CEXs) have been the backbone of digital trading since the inception of cryptocurrencies. They provide users with easy onboarding, deep liquidity, and advanced trading features that decentralized platforms often struggle to replicate. For businessmen and startup owners, CEXs offer structured environments with regulatory compliance, customer support, and powerful market-making capabilities. These features not only help build trust among investors but also allow businesses to manage large-scale trading operations efficiently, something still developing in decentralized systems. Moreover, centralized exchanges are continuously changing. With innovations in automation, AI-based trading, and risk management tools, Centralized Crypto Exchange Development has become more sophisticated than ever before. The Power of Trust and Security in Centralized Systems One of the biggest advantages of centralized exchanges lies in trust and accountability. Compared to decentralized platforms that rely solely on smart contracts, CEXs maintain human oversight, ensuring customer protection and fast issue resolution. Reputable exchanges employ strong Know Your Customer (KYC) and Anti-Money Laundering (AML) processes, which reassure both institutional and retail investors. For businesses entering the crypto space, these compliance measures are essential for building credibility and securing long-term growth. Furthermore, centralized exchanges are adopting advanced encryption technologies, multi-signature wallets, and real-time monitoring systems to enhance user security. Such measures make Centralized Crypto Exchange Development a sustainable and future-ready investment. User Experience: When it comes to user experience, centralized exchanges continue to outperform most decentralized platforms. They provide intuitive dashboards, multiple fiat-to-crypto payment options, and professional-grade trading interfaces. For entrepreneurs launching new crypto ventures, offering seamless user experiences is essential. Centralized exchanges make it easier for non-technical users to enter the crypto market, trade efficiently, and access liquidity. This ease of use translates into better customer retention, higher transaction volumes, and overall platform success. Hybrid Exchange Models: A growing number of projects are now exploring hybrid models, exchanges that combine the benefits of centralization and decentralization. These platforms maintain the security and transparency of blockchain-based systems while preserving the reliability and user-friendly design of centralized ones. Hybrid exchanges represent the next phase in Centralized Crypto Exchange Development, allowing businesses to adapt to the changing demands of the market without compromising on control or compliance. For startup founders, investing in hybrid exchange infrastructure opens the door to scalability, diverse trading options, and better investor confidence. Regulatory Compliance and Institutional Adoption Regulation continues to play a defining role in shaping the crypto landscape. Governments and financial institutions are increasingly recognizing the need for compliant, transparent exchanges. Centralized exchanges are better positioned to align with global financial standards. They implement KYC/AML, data protection, and transaction tracking systems, key factors that attract institutional investors. As more hedge funds, banks, and payment companies explore crypto trading, Centralized Crypto Exchange Development remains the go-to approach for building trust-driven ecosystems. Opportunities for Entrepreneurs and Startups For businessmen and startups, the centralized exchange model offers outstanding business potential. From transaction fees and listing revenues to staking and lending services, the revenue opportunities are vast. Launching a centralized exchange also gives companies control over liquidity, trading pairs, and customer engagement strategies. With white-label exchange solutions, even startups can enter the market quickly and cost-effectively, eliminating the need for years of technical development. These turnkey solutions simplify Centralized Crypto Exchange Development while ensuring scalability and customization to match business goals. Future of Centralized Exchanges: While decentralized systems will continue to grow, centralized exchanges are not disappearing, they are enhancing. The future will likely see more integrations with decentralized technologies such as Web3 wallets, on-chain data analytics, and DeFi partnerships. Additionally, centralized platforms will continue to innovate with AI-based risk assessment, automated compliance checks, and cross-chain interoperability. These advancements will keep CEXs at the center of the crypto economy, ensuring businesses have the tools they need to operate efficiently in the digital finance world. Conclusion: In the race between decentralization and centralization, both have unique strengths. However, centralized exchanges remain the cornerstone of global crypto adoption due to their security, compliance, and usability. For businessmen and startups looking to enter this space, the opportunities are still massive and full of growth potential. A trusted Centralized Crypto Exchange Development Company can help transform visionary ideas into high-performance trading platforms, blending innovation with reliability to thrive in the world of digital finance. Can Centralized Crypto Exchanges Still Compete in the Decentralized Era? was originally published in Coinmonks on Medium, where people are continuing the conversation by highlighting and responding to this story

Author: Medium

2025/11/10

Q4 2025 Milestone, V1 Protocol Launch Planned for Mutuum Finance (MUTM)

Q4 2025 Milestone, V1 Protocol Launch Planned for Mutuum Finance (MUTM)

Mutuum Finance (MUTM) is preparing to roll out its V1 protocol on the Sepolia testnet in Q4 2025. This major milestone marks the shift from planning to tangible delivery. The token is currently priced at $0.035 in Phase 6, with about 87% of the 170 million tokens already sold.

Author: Hackernoon

2025/11/10

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