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.

15473 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Crypto analysts spot the next Ethereum (ETH), still cheap at $0.035

Crypto analysts spot the next Ethereum (ETH), still cheap at $0.035

The post Crypto analysts spot the next Ethereum (ETH), still cheap at $0.035 appeared on BitcoinEthereumNews.com. Most investors never got the chance to catch Ethereum while it was still cheap. By the time the market recognizes a breakthrough technology, the price has already exploded. That’s why the recent buzz around Mutuum Finance (MUTM) is turning heads, because it’s the first DeFi crypto since Ethereum that could redefine how value moves on-chain, and it’s still priced at only $0.035. Mutuum Finance is positioned to redefine the future of decentralized finance by introducing on-chain credit systems, real liquidity infrastructure, and yield-driven lending pools that don’t depend on centralized intermediaries.  Unlike meme-driven coins, MUTM’s value thesis is built on utility and long-term scalability, which is why several analysts are calling it the closest thing to ETH’s early-stage growth potential that the market has seen in years. If market momentum continues and adoption accelerates, this new DeFi crypto could become one of the most significant breakout tokens of the next cycle, and many investors now consider it the best crypto to buy before its next price increase. Ethereum loses key support as bulls step back Ethereum just slipped below its 200-day EMA for the first time since February, signaling a clear shift in momentum as bulls lose strength and sellers regain control. With Bitcoin also cooling off and market sentiment weakening, traders are becoming more cautious, waiting to see whether ETH can reclaim this crucial level to restore confidence. If Ethereum stays below this support, the downside pressure could continue, but a strong reclaim would signal buyers stepping back in with conviction. As the market reassesses major assets, some investors are beginning to explore emerging alternatives showing stronger upside potential — one of the names steadily gaining attention in this rotation is Mutuum Finance, which many are now calling the best crypto to buy during this market shift. Mutuum Finance…

Author: BitcoinEthereumNews
Blockchain News: XRP Tundra & the Rise of Real-World Utility in 2025

Blockchain News: XRP Tundra & the Rise of Real-World Utility in 2025

The post Blockchain News: XRP Tundra & the Rise of Real-World Utility in 2025 appeared on BitcoinEthereumNews.com. Throughout 2025, decentralized finance has entered a new phase defined by practicality. The era of speculative launches is giving way to projects that integrate directly with regulated capital systems.  Tokenized assets, known as RWAs, are now the focus of development pipelines across both public and institutional networks. Global consultancies are quantifying the rise of tokenized finance with greater precision. McKinsey projected in 2023 that tokenized financial assets could reach $2–4 trillion by 2030.  A joint report by BCG and ADDX set a higher estimate for illiquid asset tokenization at $16 trillion. These forecasts highlight growing confidence in blockchain-based financial innovation. Governments in the US, Singapore, and Europe are also formalizing digital asset frameworks to prepare for that scale. Ripple runs pilots with the Hong Kong Monetary Authority and Palau’s digital currency initiative.  These projects demonstrate that XRP Ledger technology is already functioning in compliant environments. Within this landscape, XRP Tundra represents a functioning bridge between open DeFi mechanisms and asset-backed financial models. Dual Tokens for Distinct Financial Roles XRP Tundra’s structure begins with two tokens serving separate purposes. TUNDRA-S runs on Solana and handles all operational and yield activities.  TUNDRA-X operates on the XRP Ledger and serves as the reserve and governance layer. The system provides transparency through on-chain records that show where value moves and how it is secured. TUNDRA-S is available during the ongoing presale at $0.158 with a 10% bonus. Participants also receive free TUNDRA-X, valued at $0.079. Listing prices are confirmed at $2.5 and $1.25, providing a transparent valuation framework before market launch.  This structure lets contributors assess potential upside using defined metrics rather than uncertain projections. A working token manages liquidity on a single balance sheet. A governance reserve manages control separately, reflecting traditional financial design.  It creates predictable accounting that can later align with…

Author: BitcoinEthereumNews
Mutuum Finance Price Prediction: Will MUTM Touch $16 by 2030?

Mutuum Finance Price Prediction: Will MUTM Touch $16 by 2030?

The post Mutuum Finance Price Prediction: Will MUTM Touch $16 by 2030? appeared on BitcoinEthereumNews.com. Mutuum Finance (MUTM) has captured investor interest with its presale raising $18,500,000 from 17,800 holders, as Phase 6 reaches 85% sold at $0.035. This momentum positions MUTM as the best cryptocurrency to invest in today, blending dual lending markets with robust security that promises sustained growth.  Analysts project MUTM could hit $16 by 2030, driven by protocol expansions and fee-driven token demand in an expanding DeFi sector. Early participants stand to gain over 45,000% from launch at $0.06, turning small allocations into transformative wealth. Such potential echoes historic surges, making MUTM the top cryptocurrency for forward-thinking portfolios seeking exponential returns. Presale Stages Reward Early Entry Investors have steadily advanced Mutuum Finance (MUTM) presale to Phase 6, allocating 85% of tokens at $0.035, which reflects a 250% increase from Phase 1’s $0.01 rate. Transparent fixed pricing per stage ensures predictable access, encouraging committed involvement over fleeting trades. Consequently, this framework has distributed over 770 million tokens, fostering a dedicated base that propels platform adoption. Participants who join now lock in advantages, as Phase 6 nears exhaustion, setting the stage for Phase 7 at $0.04 and amplifying gains toward the $0.06 launch. Moreover, the structured progression builds investor loyalty, where initial stakes compound into substantial holdings amid rising demand. Audit and Bounty Ensure Reliability Mutuum Finance (MUTM) completed a CertiK audit, achieving a 90/100 score that confirms smart contract adherence to safety norms. Complementing this, a $50,000 bug bounty program compensates bug discoveries from $200 for minor issues to $2,000 for critical ones, inviting thorough pre-launch scrutiny. Developers and experts collaborate to fortify the code, minimizing risks before user funds engage, which builds unshakeable trust. Consequently, this rigorous framework attracts institutional interest, as reliability underpins scalable operations in DeFi. In turn, fortified security translates to confident participation, where safeguards enable bold expansions…

Author: BitcoinEthereumNews
JPMorgan Invests $102M in BitMine as Ethereum Institutional Demand Rises

JPMorgan Invests $102M in BitMine as Ethereum Institutional Demand Rises

The post JPMorgan Invests $102M in BitMine as Ethereum Institutional Demand Rises appeared on BitcoinEthereumNews.com. JPMorgan’s $102 million stake in BitMine signals rising institutional interest in Ethereum holdings. BitMine now holds over 3.24 million ETH, expecting Ethereum price to reach $7,000 by the end of the year. JPMorgan Chase & Co. has revealed a major investment in BitMine Immersion Technologies. According to a 13F-HR filing submitted to the U.S. SEC on November 7, the bank held 1,974,144 shares of the company as of September 30, valued at roughly $102 million. According to a 13F-HR filing submitted to the U.S. SEC on Nov. 7, JPMorgan held 1,974,144 shares of BitMine Immersion Technologies as of Sept. 30, with a position value of about $102 million. BitMine, originally a bitcoin mining company, pivoted in 2025 to become an Ethereum… — Wu Blockchain (@WuBlockchain) November 8, 2025 This investment gives the largest US bank a notable position in a publicly traded company that holds Ethereum. The move signals growing confidence in Ethereum’s long-term value among major financial players. It also provides traditional investors with a clearer path to enter the crypto market. By leveraging Bitmine’s Ethereum reserves, JPMorgan is creating a functional link between traditional finance and blockchain-based assets, increasing the likelihood of crypto gaining a place in mainstream financial systems. BitMine, led by Thomas Tom Lee, began as a bitcoin miner company. In 2025, the firm shifted its strategy and turned its focus toward Ethereum reserves. The company now holds more than 3.24 million ETH, placing it among the largest corporate holders of the cryptocurrency. JPMorgan Deepens Institutional Role in Crypto JPMorgan’s move comes as it prepares to allow its institutional clients to use Bitcoin and Ethereum as collateral for loans by the end of this year. According to Bloomberg, the setup will run through a third-party custodian responsible for holding the pledged digital assets. Earlier this year,…

Author: BitcoinEthereumNews
5 Reasons AI Tokens Like IPO Genie Are Leading the 2025 Boom

5 Reasons AI Tokens Like IPO Genie Are Leading the 2025 Boom

AI Tokens Take Center Stage in the 2025 Crypto Comeback Move over, Bitcoin,  there’s a new conversation dominating crypto headlines. […] The post 5 Reasons AI Tokens Like IPO Genie Are Leading the 2025 Boom appeared first on Coindoo.

Author: Coindoo
BlockDAG’s Presale Closing Makes It the Next Big Crypto

BlockDAG’s Presale Closing Makes It the Next Big Crypto

The post BlockDAG’s Presale Closing Makes It the Next Big Crypto appeared on BitcoinEthereumNews.com. Crypto Presales With its presale closing soon and $435M+ raised, BlockDAG’s $0.40 target positions it as the next big crypto, outpacing Cronos, AAVE, and WLFI in 2025. In every cycle, investors set their sights on the next big crypto, a token that combines fresh momentum with real potential. But defining what makes a project “next” isn’t always about hype; it’s about timing, structure, and opportunity. While established names like AAVE and Cronos remain fixtures in the market, newer entrants are beginning to challenge legacy dominance. Some projects offer refined utility, others lean into narrative-driven communities, and a few are shaping launch plans with precision. As trading interest rotates toward tokens with upside catalysts, the field is once again wide open. Here’s how four contenders are positioning themselves right now. BlockDAG: Fixed Supply and Forecasted $0.40 Listing Turn Heads BlockDAG is attracting serious attention for its straightforward value proposition: a fixed supply, aggressive exchange strategy, and clear roadmap. As of now, over 44 billion coins have been sold, putting the project well past its soft and hard fundraising targets. The current presale price of $0.005 may soon be history, with the team confirming that no further bonuses or discounts will apply in the final batches. Buyers have until February 10 to participate, after which the coin will lock at its last presale rate and shift to open market trading. What makes BlockDAG stand apart is the calculated post-launch forecast. With projections circling a $0.40 market debut, the coin would represent one of the strongest launches of the year in terms of immediate upside. Its capped supply of 50 billion ensures long-term scarcity, while over 20 exchanges, including Tier-1 and Tier-2 platforms, are being lined up to provide liquidity post-launch. For those hunting for the next big crypto, BlockDAG delivers a rare…

Author: BitcoinEthereumNews
Forget CRO and AAVE: BlockDAG’s Presale Closing Makes It the Next Big Crypto

Forget CRO and AAVE: BlockDAG’s Presale Closing Makes It the Next Big Crypto

In every cycle, investors set their sights on the next big crypto, a token that combines fresh momentum with real […] The post Forget CRO and AAVE: BlockDAG’s Presale Closing Makes It the Next Big Crypto appeared first on Coindoo.

Author: Coindoo
Bitcoin’s DeFi Could be the Largest Contributor to Cardano’s TVL‬ ⋆ ZyCrypto

Bitcoin’s DeFi Could be the Largest Contributor to Cardano’s TVL‬ ⋆ ZyCrypto

The post Bitcoin’s DeFi Could be the Largest Contributor to Cardano’s TVL‬ ⋆ ZyCrypto appeared on BitcoinEthereumNews.com. Advertisement &nbsp &nbsp Charles Hoskinson believes Bitcoin’s DeFi could be the catalyst that finally unlocks massive liquidity for Cardano. Speaking during his latest AMA, the Cardano founder predicted that integrating Bitcoin-based decentralized finance could “create billions of dollars of TVL for the network and bring a lot of Bitcoin.” Hoskinson used the session to challenge the widespread notion that the introduction of major stablecoins, like USDT or USDC, would automatically transform Cardano’s ecosystem. According to him, such expectations oversimplify the network’s challenges. The Cardano founder believes it’s absurd to think “the existence of one of these larger stablecoins is magically going to make Cardano’s entire DeFi problem go away,” noting that Cardano already supports native, asset-backed stablecoins like USDM and USDA that maintain their pegs efficiently. Hoskinson emphasized that the fundamental limitation lies in user engagement, not technology. Despite boasting over 1.3 million staking and governance participants holding more than $15 billion in ADA, most remain passive investors. Advertisement &nbsp “Cardano has a fertile ecosystem,” he said, “But not a lot of those people have crossed the chasm to use DeFi in Cardano.” This passivity, he explained, creates a “chicken-and-egg” scenario where low activity deters partnerships and liquidity inflows, further stunting ecosystem growth. To address this, Hoskinson unveiled a multi-year roadmap designed to bridge DeFi with real-world finance, naming Midnight and RealFi as central initiatives to this plan. Both projects will connect with Bitcoin’s DeFi infrastructure, enabling ADA and BTC to be lent, converted into stablecoins, and deployed in real-world lending products. These integrations, he noted, could help Cardano tap into Bitcoin’s deep capital base and attract institutional-level liquidity. Still, Hoskinson admitted that Cardano’s most pressing challenge is organizational rather than technical. “It’s not a technology problem,” he said. “It’s a problem of governance and coordination and ultimately…

Author: BitcoinEthereumNews
While Ripple (XRP) Crashes Below $2.40, Mutuum Finance (MUTM) Presale Spears Past 85% in Stage 6

While Ripple (XRP) Crashes Below $2.40, Mutuum Finance (MUTM) Presale Spears Past 85% in Stage 6

While XRP falls below $2.40, Mutuum Finance (MUTM) surges past 85% in Stage 6, raising $18.5M as investors chase its stablecoin-backed DeFi lending model.

Author: Blockchainreporter
XRPL Labs Unveils Native Smart Contracts on XRP Ledger’s AlphaNet

XRPL Labs Unveils Native Smart Contracts on XRP Ledger’s AlphaNet

XRP Ledger introduces native smart contracts, transforming blockchain development possibilities. Developers gain access to XRPL’s AlphaNet for decentralized app testing. Network achieves 99.999% uptime milestone, reinforcing XRP Ledger’s unmatched reliability. The XRP community witnessed a major shift this week after Denis Angell, a software engineer at XRPL Labs and Xahau, revealed that the XRP Ledger Smart Contracts feature is now live for developers to test on AlphaNet. This marks the first time the ledger has introduced native Layer-1 smart contract capabilities, blending Ethereum-style contracts with XRPL’s unique native features and transaction system. Developers can now explore decentralized app creation directly on the XRP Ledger, expanding beyond traditional token operations. According to Angell, this milestone is designed to give developers direct access to XRPL’s core features without relying on UNL approval, providing flexibility and efficiency in execution. Also Read: XRP Burn Rate Jumps Over 60% as Network Activity Surges and Price Recovers New Phase for XRP Ledger Development The new smart contract framework offers multi-language support and introduces on-chain ABIs, allowing human-readable interface definitions to be stored directly on the ledger. This upgrade opens the door for wide-ranging use cases including cross-chain bridges, advanced DeFi protocols such as derivatives and perpetuals, as well as token utilities with staking rewards for issued tokens. Moreover, developers can build governance models with on-chain voting mechanisms, decentralized gaming systems, and marketplace logic supporting customizable NFT trading rules. The first smart contract extension, known as “Smart Escrows,” will enable developers to create customized release conditions for escrows and is expected to arrive in the first quarter of 2026. XRP Ledger Growth and Network Performance Besides expanding XRPL’s functionality, the network continues to demonstrate remarkable performance. It recently surpassed 100 million ledgers, achieving an uptime record of 99.999% since its inception. This reliability strengthens XRP Ledger’s standing as one of the most consistent blockchain networks globally. Additionally, onchain data from analytics platform Santiment showed that over 21,000 new XRP wallets were created within just 48 hours earlier this month, marking the highest growth in eight months. The consistent network stability and developer-focused innovations suggest that XRP Ledger is preparing for a new era of decentralized functionality and scalability. Also Read: U.S. Shutdown Extends Beyond a Month, Raising Fears of Economic Fallout and Crypto Uncertainty The post XRPL Labs Unveils Native Smart Contracts on XRP Ledger’s AlphaNet appeared first on 36Crypto.

Author: Coinstats