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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: Stablecoins’ Potential Trillion-Dollar Growth Could Ease Interest Rates

Fed Governor: Stablecoins’ Potential Trillion-Dollar Growth Could Ease Interest Rates

The post Fed Governor: Stablecoins’ Potential Trillion-Dollar Growth Could Ease Interest Rates 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 → Stablecoins could lower interest rates by increasing demand for U.S. Treasury bills, according to Federal Reserve Governor Stephen Miran. With potential growth to $3 trillion in five years, this demand from dollar-pegged tokens may exert downward pressure on the neutral rate, prompting the Fed to adjust rates accordingly. Stablecoin market cap currently stands at $310.7 billion, per CoinGecko data. Growing adoption of US dollar-tied stablecoins boosts demand for safe, liquid assets like Treasury bills. Federal Reserve research projects stablecoins could reach up to $3 trillion by 2030, influencing monetary policy. Discover how stablecoins interest rates dynamics are shifting with Federal Reserve insights on growth and regulation. Learn the impact on the economy and what it means for investors today—explore stablecoin potential now. How Do Stablecoins Influence Interest Rates? Stablecoins are digital assets pegged to fiat currencies like the US dollar, designed to maintain stable value amid cryptocurrency volatility. Federal Reserve Governor Stephen Miran recently highlighted that surging demand for these dollar-tied stablecoins could drive down interest rates by increasing appetite for US Treasury bills and other liquid assets. This…

Author: BitcoinEthereumNews

2025/11/10

PBOC sets USD/CNY reference rate at 7.0856 vs. 7.0836 previous

PBOC sets USD/CNY reference rate at 7.0856 vs. 7.0836 previous

The post PBOC sets USD/CNY reference rate at 7.0856 vs. 7.0836 previous appeared on BitcoinEthereumNews.com. The People’s Bank of China (PBOC) set the USD/CNY central rate for the trading session ahead on Monday at 7.0856 compared to the previous day’s fix of 7.0836 and 7.1175 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-70856-vs-70836-previous-202511100120

Author: BitcoinEthereumNews

2025/11/10

$1 billion outflow from stablecoins: A detailed look at the truth behind the DeFi collapse.

$1 billion outflow from stablecoins: A detailed look at the truth behind the DeFi collapse.

Author: Chloe, ChainCatcher Before the market could recover from the aftershocks of October 11, the DeFi domino effect began to unfold once again. According to Stablewatch data, yield-generating stablecoins experienced the most dramatic outflow of funds since the Terra UST crash in 2022, totaling $1 billion. Stream Finance's xUSD saw a separate outflow of $411 million, becoming the trigger. This wasn't an isolated incident; this chain reaction of liquidations tore apart the fragile structure of the DeFi Lego stack. Extreme negative returns occurred when the value of collateral plummeted and utilization was close to 100%. The crisis was sparked on November 3rd when Stream Finance suddenly announced that an external fund manager had lost $93 million in trading, immediately freezing all deposit and withdrawal functions. The price of xUSD plummeted from $1 to $0.43, wiping out over $500 million in market capitalization, and it is currently struggling around $0.11. The chain reaction was immediate, with Elixir's deUSD bearing the brunt. As a lending partner of Stream, it held a large amount of xUSD as collateral, resulting in a 65% loss in value, approximately 68 million USDC. Meanwhile, the utilization rate of hidden markets on lending platforms Morpho and Euler surged to 95% to 100%, with lending rates reaching an abnormal low of -752%, indicating that collateral had become dead debt. Compound urgently shut down some markets, and protocols such as Silo and Treeve's scUSD also decoupled from the market. Today, Elixir officially announced on Twitter that the stablecoin deUSD has been retired and no longer has any value. The platform will initiate a USDC compensation process for all holders of deUSD and its derivatives (such as sdeUSD). This includes lenders who hold collateral, AMM LPs, and Pendle LPs. Elixir also warned users not to purchase or invest in deUSD through AMMs or similar channels. This marks the first time in DeFi history that a protocol has proactively announced the "euthanasia" of a stablecoin. While it preserved the principal of holders, it completely ended the deUSD ecosystem. Elixir emphasized that the compensation funds came from the protocol's reserves and assets recovered through Stream, but did not disclose a specific timeline or audit details. The market interprets this as a "cut-the-tails" move by the protocol to avoid legal risks. The root cause of Stream xUSD unanchoring on October 11th To understand the root cause of this storm, we must trace back to the liquidation event on October 11th. A deep dive into Trading Strategy on X on November 5th pointed out that the fundamental reason for Stream's xUSD de-pegging was not the Balancer hack, but rather the failure of its Delta-neutral strategy during the historic liquidation on the 11th. Although Stream claimed to use a Delta-neutral hedging strategy (a 1:1 allocation between spot and short positions), the exchange's automatic position reduction (ADL) system forcibly liquidated its positions during the extreme volatility of October 11th, disrupting the original hedging balance. This resulted in a direct loss of Stream's principal, thus triggering the xUSD de-pegging. The underlying problems include: a severe lack of transparency (only $150 million/$500 million TVL are visible on-chain), high-risk off-chain trading strategies (including volatility selling strategies), and excessive leverage (recursive lending via Elixir). The analysis also points out that Stream is just the first batch of victims to surface, and given the unprecedented extreme liquidation event on October 11th, "more DeFi projects are expected to collapse for similar reasons." Unexpectedly, in just a few days, various DeFi protocols have exploded one after another like dominoes. The outflow of billions of dollars from stablecoins is a major warning to the market. According to @cmdefi's analysis, DeFi falls into two models: unified protocol governance and permissionless independent lending. The former, such as AAVE and Spark, requires governance voting for asset listing, with the platform providing a safety net; the latter, such as Morpho and Euler, has each marketplace independently managed by Curator, often comprised of project teams or stakeholders. Curator's risk lies in its self-established pools, which can list various assets without any platform endorsement responsibility. "Issues like xUSD, or problems with the underlying structure of some stablecoin projects, can lead to utilization rates soaring to 95% to 100%, with investors defaulting on payments despite extremely high interest rates. This is because the collateral has become worthless, making it impossible to redeem the assets, and even the highest interest rates are just numbers." In addition, Mr. Block pointed out that this week's DeFi events remind users that although the name "isolated lending markets" implies that the risk is limited to a certain pool/market, in reality, it may still be exposed to the risks of other assets due to cross-dependency, cascading infection, curator, borrower and structural issues. If the Stream Finance collapse was a lesson, then the outflow of billions of dollars in stablecoin funds is definitely a warning to the market. In DeFi, any risk can spread down five or six layers, and even be transmitted across protocols and chains. Furthermore, not all DeFi protocols have their asset allocations visible on the blockchain. The domino effect of DeFi events may not be over yet, and for users, risk control is absolutely the top priority.

Author: PANews

2025/11/10

Hyperliquid Tests Native Lending Feature, Potential Implications for HYPE Token

Hyperliquid Tests Native Lending Feature, Potential Implications for HYPE Token

The post Hyperliquid Tests Native Lending Feature, Potential Implications for HYPE Token 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 → Hyperliquid is testing a BorrowLendingProtocol (BLP) on its Hypercore testnet, enabling on-chain borrowing, supplying, and withdrawing of assets like USDC and PURR. This move positions the platform as a comprehensive DeFi ecosystem with native credit markets, following $303 billion in October trading volume. Hyperliquid’s BLP introduces native lending on-chain, reducing reliance on isolated balances. The testnet currently supports USDC and PURR, signaling a framework for broader asset integration. With $7.2 billion in open interest, Hyperliquid leads perpetuals trading, now expanding into lending for enhanced liquidity. Discover Hyperliquid’s new BLP testnet feature revolutionizing DeFi lending. Explore how this native protocol boosts on-chain credit and trader efficiency amid rising volumes. Stay informed on crypto innovations. What is Hyperliquid’s BorrowLendingProtocol (BLP)? Hyperliquid’s BorrowLendingProtocol (BLP) is a new on-chain module designed for seamless borrowing, supplying, and withdrawing of assets directly within the platform’s ecosystem. Launched on the Hypercore testnet, it aims to create shared lending pools that support margin trading without isolated balances. This development marks Hyperliquid’s shift toward a full-stack DeFi platform, building on its dominance in perpetuals futures. COINOTAG recommends •…

Author: BitcoinEthereumNews

2025/11/10

$303B giant Hyperliquid steps into on-chain credit – Here’s why it matters

$303B giant Hyperliquid steps into on-chain credit – Here’s why it matters

The post $303B giant Hyperliquid steps into on-chain credit – Here’s why it matters appeared on BitcoinEthereumNews.com. Key Takeaways What new feature is Hyperliquid testing? Hyperliquid is testing a BorrowLendingProtocol (BLP) on its Hypercore testnet. Why does this matter for traders and DeFi? A native lending layer could make Hyperliquid a full-stack onchain platform. Is Hyperliquid [HYPE] broadening its scope? The exchange is now testing a new borrowing and lending feature on its Hypercore testnet. This would be the platform’s first step into native onchain credit markets. And after posting over $303 billion in trading volume in October, the timing is hard to ignore. Is native lending next for Hyperliquid? Hyperliquid’s latest experiment is a look at how the platform wants trading to work. A new module (labelled BLP) has appeared on the Hypercore testnet, and early checks show that it is designed for borrowing, supplying and withdrawing assets directly on chain. By the press time, only USDC and PURR show up in testing, but even that limited set indicates a framework is being put in place. Source: X If this matures into a native lending layer, margin in the Hyperliquid ecosystem wouldn’t rely on isolated balances. It would sit on real, shared lending pools. That would push Hyperliquid beyond perpetuals and closer to a full-on-chain market stack. Hyperliquid stays ahead of the pack The platform led all perpetual DEXs in October with a massive $303 billion in trading volume, edging out competitors like Lighter [LIGHTER] ($272B) and Aster [ASTER] ($260B). Source: X What’s more, its open interest hit $7.2 billion, surpassing all others combined. That kind of activity means liquidity and trader confidence, especially as Hyperliquid tests its next evolution in on-chain lending. If the testnet module delivers, HYPE could soon redefine what a DeFi ecosystem looks like. HYPE cools after a strong run HYPE’s recent rally has hit a pause. The token traded near $40…

Author: BitcoinEthereumNews

2025/11/10

Euler DAO Migrates Treasury to New Multi-Signature Address

Euler DAO Migrates Treasury to New Multi-Signature Address

The post Euler DAO Migrates Treasury to New Multi-Signature Address appeared on BitcoinEthereumNews.com. Key Points: Euler DAO transitions Treasury to a new multi-sig for better risk management. Ensures separation of asset management from governance functions. No major market fluctuations following the migration announcement. Euler DAO has initiated the migration of its Treasury to a new multi-signature address to separate governance and asset management functions, minimizing operational risks, as announced on November 9th via the X platform. This separation strengthens governance transparency and risk management, fostering user confidence and operational integrity during a critical phase of Euler’s decentralized financial ecosystem evolution. Market Response and Expert Insights Euler DAO is moving its Treasury to a new multi-signature address dedicated to asset management and allocation. The previous setup involved a dual-purpose address mixing governance with asset holding, risking operational security. Euler Finance, a leading DeFi lending protocol, embarked on this restructuring to enhance governance transparency and operational resilience. The Treasury’s migration involves transferring all assets, excluding protocol revenue, to this new address created specifically for this purpose. This shift aims to contain risks associated with multisig addresses executing both governance and financial duties. While Objective Labs remains influential in protocol fee management, the segregation aids in streamlining internally aligned capital allocation and grant processes. The market response has shown steadiness, with no unusual fluctuations reported in the Total Value Locked (TVL) or loan liquidations post-announcement. Inside the crypto community, discussions have been focused on risk mitigation and sustainable protocol growth. Euler’s cumulative TVL stands strong with approximately 500 million on Plasma and 140 million on Ethereum, indicating continued investor and developer confidence. Euler Finance’s latest Activity Update showcases ongoing development and community engagement. “Euler enters the final stretch of 2025 in a position of strength… consistent TVL growth, rapidly increasing revenues, a growing user base, and a governance model capable of managing a coherent internal economy.”…

Author: BitcoinEthereumNews

2025/11/10

This $0.035 Crypto Surpasses Shiba Inu (SHIB) in Utility, Here’s Why It’s a Must-Buy in Q4 2025

This $0.035 Crypto Surpasses Shiba Inu (SHIB) in Utility, Here’s Why It’s a Must-Buy in Q4 2025

As the market readies itself for yet another price explosion that is expected as we enter into 2026, investors are no longer focused on a project solely on hype, but on achieving sustainable projects that have tangible applicability and value in today’s world. And this is exactly why Mutuum Finance (MUTM), going for just $0.035, […]

Author: Cryptopolitan

2025/11/10

DeFi Market Experiences Sharp TVL Decline Across Major Blockchains

DeFi Market Experiences Sharp TVL Decline Across Major Blockchains

TLDR Ethereum’s TVL drops 13% to $74.2 billion, still holding 62% market share. Solana and Arbitrum each face 14% declines in DeFi TVL, reflecting market slowdowns. Balancer suffers a $120 million exploit due to a rounding error in smart contract. Stream Finance loses $93 million, causing Elixir to shut down deUSD stablecoin. The DeFi sector [...] The post DeFi Market Experiences Sharp TVL Decline Across Major Blockchains appeared first on CoinCentral.

Author: Coincentral

2025/11/10

What Crypto to Invest In, The New Cheap Coin That Aims to Repeat XRP’s Early Run

What Crypto to Invest In, The New Cheap Coin That Aims to Repeat XRP’s Early Run

The post What Crypto to Invest In, The New Cheap Coin That Aims to Repeat XRP’s Early Run appeared first on Coinpedia Fintech News The crypto market has always rewarded early believers. In 2017, XRP began its journey priced under a cent and soon became one of the biggest gainers in crypto history. Its growth came from real adoption, institutional trust, and strong community backing. Today, a similar pattern is taking shape with Mutuum Finance (MUTM). This new project …

Author: CoinPedia

2025/11/10

PEPE’s Market Saturation Highlights Why This New Crypto May Be the Best Crypto to Buy for 2025

PEPE’s Market Saturation Highlights Why This New Crypto May Be the Best Crypto to Buy for 2025

The post PEPE’s Market Saturation Highlights Why This New Crypto May Be the Best Crypto to Buy for 2025 appeared first on Coinpedia Fintech News The crypto market is entering a period where investors are looking beyond hype and focusing on long-term potential. While meme tokens like Pepecoin (PEPE) continue to dominate headlines, there’s growing sentiment that their upside has peaked. In contrast, newer decentralized finance (DeFi) projects are gaining attention for their use cases and strong token models. One …

Author: CoinPedia

2025/11/09

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