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.

15363 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Metaplanet secures $100M loan collateralized by Bitcoin holdings

Metaplanet secures $100M loan collateralized by Bitcoin holdings

The post Metaplanet secures $100M loan collateralized by Bitcoin holdings appeared on BitcoinEthereumNews.com. Key Takeaways Metaplanet, a Japanese investment firm, secured a $100 million loan backed by its Bitcoin holdings. This move allows Metaplanet to tap into traditional credit markets while holding onto its Bitcoin. Metaplanet, a Japan-based investment firm focused on Bitcoin treasury operations, secured a $100 million loan collateralized by its Bitcoin holdings. The financing represents a significant expansion of the company’s cryptocurrency-backed credit facilities. The loan structure allows Metaplanet to access traditional capital markets while maintaining its Bitcoin position, reflecting growing institutional acceptance of digital assets as collateral for corporate financing. Metaplanet has positioned itself as a pioneer in Japan’s Bitcoin ecosystem by integrating cryptocurrency into traditional financial strategies. The company previously initiated a share buyback program utilizing Bitcoin collateral to enhance capital efficiency. The financing comes as more corporations explore Bitcoin-backed lending solutions to optimize their treasury management while preserving exposure to digital asset appreciation. Source: https://cryptobriefing.com/metaplanet-bitcoin-collateral-loan-2025/

Author: BitcoinEthereumNews
Polygon Founder Backs Katana as ZK TVL Hits $512M

Polygon Founder Backs Katana as ZK TVL Hits $512M

The post Polygon Founder Backs Katana as ZK TVL Hits $512M appeared on BitcoinEthereumNews.com. Sandeep Nailwal said Polygon played a big role in getting ZK proofs adopted and pointed at Katana’s rapid DeFi growth. Katana is now described as the second largest ZK rollup in the Polygon-linked ecosystem with about $512 million locked. The upcoming KAT token will anchor governance, liquidity rewards, and fees to keep Katana’s ZK DeFi flywheel running. Polygon’s growing bet on zero knowledge technology has started to show concrete results as co-founder Sandeep Nailwal drew fresh attention to Katana, a DeFi focused Layer 2 that is now one of the largest ZK rollups in the Polygon environment. In a post on X, Nailwal talked about how Polygon has played a “big role” in the adoption of ZK proofs, adding that Polygon’s Agglayer connects multiple ZK rollups into one scalable framework.  ZK proofs have become critical to blockchain privacy and scaling. Always proud to see that Polygon played a big role in that. Polygon took massive bet on ZK. Today Polygon Agglayer is powering multiple ZK rollups with Katana being the biggest. Few realize that Katana is the… https://t.co/nsc9ox9lF3 pic.twitter.com/QFHvW3d6rV — Sandeep | CEO, Polygon Foundation (※,※) (@sandeepnailwal) November 4, 2025 Polygon’s ZK Stack Is Now Producing High TVL Rollups Over the past few years, Polygon has positioned itself as a leader in zero-knowledge scaling solutions, investing heavily in ZK rollups and interoperability infrastructure. That focus is now materializing through Polygon Agglayer. Among these, Katana stands out, currently ranked as the second-largest ZK rollup by DeFi total value locked (TVL), trailing only Linea, according to DefiLlama. With around $512 million in DeFi TVL, Katana ranks 15th overall among Layer-1 and Layer-2 chains, only behind established ecosystems like Aptos, Avalanche, and Sui. ZK Tech Has Moved From Theory to Polygon-Ready Rollups Data from a16z crypto shows how ZK technology has evolved from…

Author: BitcoinEthereumNews
Canaan Secures $72M Investment to Potentially Strengthen Bitcoin Ecosystem and AI Growth

Canaan Secures $72M Investment to Potentially Strengthen Bitcoin Ecosystem and AI Growth

The post Canaan Secures $72M Investment to Potentially Strengthen Bitcoin Ecosystem and AI Growth 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 → Canaan Inc. has secured a $72 million strategic investment from BH Digital, a division of Brevan Howard, along with Galaxy Digital and Weiss Asset Management. This funding, acquired via American depository shares, bolsters the company’s position in Bitcoin mining and its expansion into AI-driven data centers, signaling strong institutional confidence in its long-term growth. The investment involves purchasing American depository shares representing 15 Class A common stocks each, without warrants or derivatives, highlighting trust in Canaan’s core operations. Canaan is pivoting toward high-return computing projects, including AI data centers, to diversify beyond traditional crypto mining. With 9.3 EH/s mining capacity and recent Nasdaq compliance, Canaan holds 1,582 BTC and operates eight data centers, positioning it as the 14th largest mining firm. Canaan Inc. secures $72M investment from BH Digital, Galaxy Digital, and Weiss Asset Management to fuel Bitcoin ecosystem growth and AI expansion. Discover how this boosts its mining and computing future—read more now. What is the significance of Canaan Inc.’s $72M investment? Canaan Inc.’s $72M investment from prominent firms like BH Digital, Galaxy Digital, and Weiss Asset Management…

Author: BitcoinEthereumNews
3 Best Meme Coins That Could Grow Your Capital Faster Than Shiba Inu (SHIB) This Cycle

3 Best Meme Coins That Could Grow Your Capital Faster Than Shiba Inu (SHIB) This Cycle

The meme coin market is entering a new acceleration phase as liquidity begins to rotate back into speculative altcoins.

Author: Cryptodaily
Crypto Market Cap Drops $1.2 Trillion in Eight Weeks – Was This Reset Needed?

Crypto Market Cap Drops $1.2 Trillion in Eight Weeks – Was This Reset Needed?

The post Crypto Market Cap Drops $1.2 Trillion in Eight Weeks – Was This Reset Needed? appeared first on Coinpedia Fintech News “Crypto didn’t crash. It was executed.” That one line from analyst and author Shanaka Perera has everyone on X buzzing and recapping what happened in one of crypto’s most dramatic months. Over just eight weeks, the global crypto market cap fell from $4.6 trillion to $3.4 trillion, erasing nearly $1.2 trillion in value. Was this just another crypto winter? Signs say no. It was a massive deleveraging event, a technical wipeout where too much leverage collided with too little liquidity. The Day the Leverage Broke On October 10, over $19 billion worth of leveraged positions were liquidated in just 24 hours, according to CoinGlass data. In the days around it, nearly 487,000 traders were wiped out daily. The problem started when open interest, the total value of all futures contracts, hit a record $217 billion, while spot liquidity dropped to just 5% of normal levels. That imbalance created a feedback loop. As prices dipped, margin calls kicked in, triggering forced selling, which drove prices even lower. By the end of the month, open interest had collapsed 43% to around $123 billion, marking one of the fastest market resets in years. Perera described it as “The machine ate itself.”  Sounds like it’s all bad. But the fundamentals are telling a very different story.  Meanwhile, Crypto Adoption Hit Record Highs While prices fell, crypto adoption and on-chain activity hit all-time highs. Independent data shows the number of global crypto users have jumped to around 560 million, up by 40 million in just six months. Stablecoins now power nearly 30% of all crypto transactions, triple their share from 2022. Institutional players doubled down too. BlackRock and MicroStrategy collectively hold over 1 million Bitcoin, and major fund houses like Fidelity and Franklin Templeton have rolled out regulated crypto products. Read More: Redditors Reveal Hard Truths of Crypto Investing After Years in the Market In the U.S., the GENIUS Act was put into effect, and the CLARITY Act gave stablecoins a clear legal framework. In short – while traders were forced out, the builders and institutions kept moving in. Why This Isn’t 2022 All Over Again Back in 2022, both prices and adoption collapsed. Exchanges failed, regulation was unclear, and trust evaporated. This time is different. The system reset itself rather than collapsing. DeFi lending volumes have grown to $39 billion, real-world asset tokenization crossed $8 billion, and blockchain infrastructure has become faster and cheaper. What Comes Next If history repeats, the next phase could be powerful. Perera points out that every major reset in crypto, from 2017 to 2021, was followed by new highs once leverage cleared out. The indicators to watch now: open interest falling below $30B, ETF inflows topping $5B a week, and stablecoin supply growing 20% monthly. When those align, markets usually turn. “Leverage massacred speculators. Fundamentals rewarded builders.” The markets seem to have cut off the noise. Once it settles, the same mechanics that broke the market could be the ones to push it higher again.

Author: Coinstats
Next 1000x Crypto News Live Today: Early Alpha on the Latest Crypto Gems (November 5)

Next 1000x Crypto News Live Today: Early Alpha on the Latest Crypto Gems (November 5)

Stay Ahead with the Latest Insights of Today’s Next 1000x Crypto Check out our Live Next 1000x Crypto Updates for November 5, 2025! Crypto is a multi-trillion-dollar industry, with 10x, 100x, or even 1000x opportunities lying there, just waiting to be found. Take Dogecoin 36,000% increase in 12 years, or XRPs 42,000% performance in the […]

Author: Bitcoinist
Bitcoin holdings surge: Hut 8’s impressive 13,696 BTC reserve reveals mining mastery

Bitcoin holdings surge: Hut 8’s impressive 13,696 BTC reserve reveals mining mastery

BitcoinWorld Bitcoin holdings surge: Hut 8’s impressive 13,696 BTC reserve reveals mining mastery Have you ever wondered how major Bitcoin mining companies manage their digital treasure? Hut 8 just revealed their third-quarter Bitcoin holdings reached an impressive 13,696 BTC, demonstrating remarkable growth in the competitive crypto mining landscape. This significant accumulation of Bitcoin holdings reflects the company’s strategic approach to cryptocurrency asset management. What makes Hut 8’s Bitcoin holdings significant? The announcement of 13,696 Bitcoin holdings represents more than just numbers. It showcases Hut 8’s operational efficiency and long-term vision in the volatile crypto market. These Bitcoin holdings serve as both a revenue stream and a strategic reserve, positioning the company for future opportunities. Moreover, the consistent growth in Bitcoin holdings indicates sustainable mining practices despite market fluctuations. How does Hut 8 maintain such substantial Bitcoin holdings? Maintaining and growing Bitcoin holdings requires a multi-faceted approach. Hut 8 employs several key strategies: Efficient mining operations that maximize Bitcoin production Strategic holding decisions rather than immediate selling Cost management to ensure profitability during market downturns Technological upgrades to maintain competitive advantage These Bitcoin holdings didn’t accumulate overnight but resulted from careful planning and execution. Why should investors care about Bitcoin holdings? Bitcoin holdings represent more than just assets on a balance sheet. They indicate a company’s belief in Bitcoin’s long-term value and its ability to weather market volatility. For investors, substantial Bitcoin holdings suggest: Strong financial positioning Confidence in cryptocurrency’s future Potential for significant upside during bull markets Reduced vulnerability to short-term price swings The management of these Bitcoin holdings often separates successful mining companies from struggling ones. What challenges come with maintaining large Bitcoin holdings? While impressive, maintaining substantial Bitcoin holdings presents unique challenges. Market volatility can significantly impact the value of these assets. Security concerns require robust protection measures. Additionally, regulatory uncertainty and storage solutions demand constant attention. However, Hut 8’s consistent growth in Bitcoin holdings suggests they’ve developed effective strategies to navigate these obstacles. How do Bitcoin holdings impact the broader crypto ecosystem? Large-scale Bitcoin holdings by major miners like Hut 8 contribute to market stability and liquidity. These substantial reserves: Demonstrate institutional confidence in Bitcoin Provide market depth during volatile periods Influence Bitcoin’s circulating supply dynamics Set benchmarks for other mining companies The strategic management of these Bitcoin holdings often signals broader market trends. What’s next for Hut 8’s Bitcoin holdings strategy? Looking forward, Hut 8’s approach to Bitcoin holdings will likely evolve with market conditions. The company may explore: Diversification strategies while maintaining core Bitcoin holdings Enhanced security measures for protecting assets Potential staking or lending opportunities Expansion of mining capacity to grow Bitcoin holdings further The future trajectory of their Bitcoin holdings will be crucial to watch. Hut 8’s announcement of 13,696 Bitcoin holdings marks a significant milestone in cryptocurrency mining. This achievement underscores the company’s operational excellence and strategic vision. As the crypto landscape evolves, these substantial Bitcoin holdings position Hut 8 for continued success and influence within the industry. The careful management of these assets demonstrates how professional mining operations can thrive while contributing to Bitcoin’s ecosystem. Frequently Asked Questions What percentage growth did Hut 8’s Bitcoin holdings show in Q3? While exact percentage growth wasn’t specified in the announcement, reaching 13,696 Bitcoin holdings represents significant quarter-over-quarter accumulation through efficient mining operations. How does Hut 8 secure their Bitcoin holdings? The company employs enterprise-grade security measures including cold storage solutions, multi-signature protocols, and comprehensive cybersecurity systems to protect their valuable Bitcoin holdings. Does Hut 8 sell any of their mined Bitcoin? Hut 8 maintains a strategic balance between holding and selling Bitcoin. Their substantial Bitcoin holdings indicate a strong preference for long-term accumulation, though they may sell portions to cover operational costs when necessary. How do Hut 8’s Bitcoin holdings compare to other major miners? With 13,696 Bitcoin holdings, Hut 8 ranks among the top publicly-traded Bitcoin mining companies in terms of Bitcoin reserves, demonstrating competitive positioning within the industry. What impact do large Bitcoin holdings have on Bitcoin’s price? Substantial Bitcoin holdings by major miners can reduce circulating supply, potentially creating upward price pressure while demonstrating strong institutional confidence in Bitcoin’s long-term value. Can individual investors benefit from tracking mining companies’ Bitcoin holdings? Absolutely. Monitoring Bitcoin holdings of major miners provides valuable insights into industry health, operational efficiency, and broader market sentiment toward cryptocurrency. Found this analysis of Hut 8’s Bitcoin holdings insightful? Share this article with fellow crypto enthusiasts on social media to spread knowledge about cryptocurrency mining trends and institutional Bitcoin accumulation strategies! To learn more about the latest Bitcoin trends, explore our article on key developments shaping Bitcoin institutional adoption. This post Bitcoin holdings surge: Hut 8’s impressive 13,696 BTC reserve reveals mining mastery first appeared on BitcoinWorld.

Author: Coinstats
Ripple Price Prediction: Can XRP Rebound as This New Crypto Eyes 20x?

Ripple Price Prediction: Can XRP Rebound as This New Crypto Eyes 20x?

Lunar Strategy will host an Afterworks Series in Lisbon during Web Summit, gathering crypto and AI founders for nightly talks, networking, food and music.

Author: Blockchainreporter
Coinbase Exec Slams Banks for Blocking Crypto Charter Bid

Coinbase Exec Slams Banks for Blocking Crypto Charter Bid

Coinbase Chief Legal Officer Paul Grewal publicly condemned traditional banking groups for opposing the crypto exchange’s national trust bank charter application, accusing them of prioritizing protectionism over consumer protection. The pushback from banking associations intensified this week as both community banks and Wall Street lobbying groups mounted coordinated efforts to block crypto firms from securing federal banking licenses. Grewal fired back after the Independent Community Bankers of America urged federal regulators to deny Coinbase’s charter application for its subsidiary, Coinbase National Trust Company. “Imagine opposing a regulated trust charter because you prefer crypto to stay… unregulated,” Grewal wrote on X, adding that bank lobbyists are attempting to “dig regulatory moats to protect their own.“ Banking Groups Mount Coordinated Opposition The ICBA submitted a detailed opposition letter to the Office of the Comptroller of the Currency on November 3, arguing that Coinbase’s application fails to meet statutory chartering standards on multiple grounds. The banking group’s letter claims the application exhibits fundamental deficiencies in governance, profitability, sustainability, and receivership complexity, particularly during crypto bear markets when both Coinbase and its subsidiary would face simultaneous financial pressure. The ICBA letter also challenges the legal validity of OCC Interpretive Letter 1176, which permits national trust banks to engage in non-fiduciary activities beyond traditional trust services. The banking group contends that this interpretive letter was issued without the required public notice and comment procedures under the Administrative Procedure Act, rendering it legally invalid as a basis for Coinbase’s application. Meanwhile, a separate banking lobby emerged in the stablecoin debate. The American Bankers Association and 52 state banking associations submitted a joint letter to the Treasury Department on November 4, urging strict enforcement of the GENIUS Act’s prohibition on stablecoin interest payments. The coordinated response addresses what banks view as a “loophole” allowing digital asset platforms to circumvent the law by offering interest through affiliates rather than directly from stablecoin issuers. Stablecoin Interest Debate Intensifies The banking associations warned that without a broad interpretation of the interest ban, digital asset platforms may exploit loopholes through high-yield rewards and incentives, which would undermine the law’s intent to keep stablecoins as payment tools rather than investment vehicles. Senator Mike Rounds previously told Politico the interest workaround “looks like an end-run on the original legislation.” At the same time, Federal Reserve Governor Christopher Waller stated stablecoins should function as pure payment instruments, not interest-bearing deposits. “It’s not an investment vehicle. It’s not a time deposit where you’re holding it to earn interest,” he said. The banking groups argue that interest-bearing stablecoins could trigger a 25.9% loss in bank deposits, eliminating approximately $1.5 trillion in lending capacity and shrinking small business and farm credit by $110 billion and $62 billion, respectively. Community banks serving rural and underserved areas would face disproportionate impact from deposit outflows to yield-generating stablecoins. Coinbase Chief Policy Officer Faryar Shirzad dismissed the banking concerns, stating that the GENIUS Act explicitly permits third-party rewards programs and distinguishes them from issuer-paid interest. “Congress answered this question,” Shirzad wrote, suggesting the banking industry’s letter acknowledges this distinction while attempting to reopen settled legislative intent. Review Process and Industry Implications The OCC is expected to take between 12 and 18 months to review Coinbase’s application, with public comments potentially influencing the agency’s decision. The agency is currently led by Comptroller Jonathan Gould, a former chief legal officer of Bitfury, who has criticized the banking sector’s reluctance to work with crypto companies. Beyond Coinbase, similar opposition from the Bank Policy Institute targets trust charter applications from Ripple, Circle, and Paxos. Anchorage Digital remains the only crypto firm with an approved national trust bank charter, granted in January 2021. Looking forward, the concentrated wave of banking industry resistance shows that traditional financial institutions view crypto firms’ pursuit of federal charters as a fundamental threat to their competitive position in custody and payment services

Author: CryptoNews
The Butterfly Effect: Balancer Hijacked, Stream Finance Stablecoin xUSD De-pegged

The Butterfly Effect: Balancer Hijacked, Stream Finance Stablecoin xUSD De-pegged

Original author: Omer Goldberg, Chaos Labs Original translation: Deep Tide TechFlow Summarize Hours after the vulnerability attack on the multi-chain platform @Balancer caused widespread uncertainty in the DeFi field, @berachain urgently executed a hard fork, and @SonicLabs froze the attacker's wallet. Subsequently, the price of Stream Finance's xUSD stablecoin deviated significantly from its target range, exhibiting a clear de-pegging phenomenon. Long-standing problems resurface The long-standing controversy surrounding leverage, oracle construction, and the transparency of proof-of-reserves (PoR) has once again come into focus. This is a typical example of a "reflexive stress event" that we outlined in our article "The Black Box/Vault of DeFi" last Friday. What happened? /Background The Balancer v2 vulnerability has been exposed on multiple chains, and for a considerable period of time, it remains unclear which liquidity pools are affected and which networks or integration protocols are directly exposed to the risk. Capital panic in the information vacuum In the information vacuum, capital reacts as always: depositors scramble to withdraw liquidity from anywhere they believe they may be directly or indirectly affected, including Stream Finance. Controversy over lack of transparency Stream Finance does not currently maintain a full transparency dashboard or proof of reserve; however, it provides a link to the Debank Bundle to display its on-chain positions. However, these simple disclosures failed to clearly address the risk exposure issue after the vulnerability was exposed: the price of xUSD (Stream's overlay yield USD product) fell from the target price of $1.26 to $1.15, and has now rebounded to $1.20, while users reported that withdrawals were suspended. Risks and Controversies of Stream Finance Stream is an on-chain capital allocation platform that uses user funds to run high-return, high-risk investment strategies. Its portfolio construction employs significant leverage, making the system more resilient under stress. However, the protocol has recently come under public scrutiny due to controversy surrounding its recursive loop/minting mechanism. While the current situation does not directly indicate a liquidity crisis, it reveals the market's high sensitivity. When negative news emerges and confidence is questioned, the shift from "maybe it's okay" to "redeem immediately" is often very rapid. xUSD is used as collateral and is distributed across Curated Markets on multiple chains, including Euler, Morpho, and Silo, which cover ecosystems such as Plasma, Arbitrum, and Plume. The protocol itself has significant risk exposure in these markets, the largest of which was an $84 million USDT loan secured by xUSD on Plasma. Collateral Mechanism and Risk Buffer When the market price of xUSD falls below its book value, the related positions are not immediately liquidated. This is because many markets do not link the value of the collateral to the spot AMM (Automated Market Maker) price, but instead rely on hard-coded or "underlying value" price feeds that track the reported asset backing rather than the current secondary market price. During calm periods, this design can mitigate tail risk liquidation caused by short-term volatility, especially in stable products. This is one of the reasons why DeFi protocols outperformed centralized platforms during the liquidation wave on October 10th. However, this design could also quickly turn price discovery into trust discovery: choosing a base (or hard-coded) oracle requires thorough due diligence, including the authenticity, stability, and risk characteristics of the asset backing. In short, this mechanism only applies if there is a comprehensive proof of reserve and redemption can be completed within a reasonable timeframe. Otherwise, the risk lies in the possibility that lenders or depositors may ultimately bear the consequences of bad debts. Stress testing on Arbitrum Taking Arbitrum as an example, the current market price on the MEV Capital Curated xUSD Morpho Market is below the LLTV (Minimum Lending-to-Value Ratio). If the xUSD peg price fails to recover, the market could deteriorate further with utilization reaching 100% and lending rates soaring to 88%. We are not against basic oracles; on the contrary, they play a crucial role in preventing unfair liquidations caused by short-term volatility. Similarly, we are not against tokenized or even centralized yield-generating assets. However, we advocate for basic transparency and modern, systematic, and professional risk management when deploying money markets around these assets. Curated markets can be engines of responsible growth, but they should not become a race to the top where safety and rationality are sacrificed in pursuit of high returns. If the structure is complex and prone to a "domino effect," then its collapse should not be surprising when the first gust of wind blows. As the industry becomes more specialized and some revenue-generating products become more structured (though potentially more obscure for end users), stakeholders must raise their standards. While we hope to eventually resolve the issue properly for affected users, this incident should serve as a wake-up call for the entire industry.

Author: PANews