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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.

15342 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Next 100x Crypto Presale or Just Hype? Why Analysts Say LivLive’s Utility Beats Bitcoin Hyper and Nexchain

Next 100x Crypto Presale or Just Hype? Why Analysts Say LivLive’s Utility Beats Bitcoin Hyper and Nexchain

Some projects chase hype. Others quietly build history. Right now, three names are defining that split as the next 100x crypto presales: LivLive ($LIVE), Bitcoin Hyper ($HYPER), and Nexchain ($NEX). Each claims a piece of the future, but only one is connecting blockchain to something deeper: reality itself. Bitcoin Hyper is racing to scale Bitcoin’s [...] The post Next 100x Crypto Presale or Just Hype? Why Analysts Say LivLive’s Utility Beats Bitcoin Hyper and Nexchain appeared first on Blockonomi.

Author: Blockonomi

2025/11/04

Nick Szabo Views Bitcoin’s Rise as Psychological Learning Curve in Sound Money Shift

Nick Szabo Views Bitcoin’s Rise as Psychological Learning Curve in Sound Money Shift

The post Nick Szabo Views Bitcoin’s Rise as Psychological Learning Curve in Sound Money Shift 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 → Nick Szabo views Bitcoin’s progress as a psychological learning curve, emphasizing its role as trust-minimized savings amid economic instability. Adoption waves mirror stock market patterns, with education driving long-term value over short-term speculation. Bitcoin’s adoption involves waves of real progress interspersed with speculative overshoots and market noise. Szabo prioritizes psychological understanding over technical or macroeconomic factors in Bitcoin’s evolution. With BTC trading at around $104,500, down 2% recently, education remains the key signal for future growth, supported by historical monetary patterns. Explore Nick Szabo’s insights on Bitcoin’s learning curve and its sound money thesis in 2025’s volatile economy. Discover why education trumps macro data for long-term adoption—read now for expert analysis. What is Bitcoin’s Psychological Learning Curve According to Nick Szabo? Bitcoin’s psychological learning curve refers to the gradual societal understanding of its value as a secure, dilution-resistant form of savings, as articulated by cryptographer Nick Szabo. In a recent thread, Szabo highlighted that Bitcoin is still in the early stages of this educational phase, where public perception shifts from viewing it as a speculative tech asset to recognizing…

Author: BitcoinEthereumNews

2025/11/04

Researcher Highlights Ripple’s Advantage Over SWIFT, Stellar, and Algorand in Payments

Researcher Highlights Ripple’s Advantage Over SWIFT, Stellar, and Algorand in Payments

A PM Insights report highlighted by SMQKE shows Ripple as the top integrated blockchain platform. Stellar, Algorand, and SWIFT are described as handling narrower or legacy functions. Ripple’s focus on compliance and scalability is driving its institutional adoption. Crypto researcher SMQKE has drawn attention to an analysis suggesting that Ripple maintains a clear competitive edge over Stellar, Algorand, and SWIFT in the blockchain payments sector.  The findings, originally published by PM Insights, emphasize Ripple’s dominance in unifying core financial functions under one scalable platform. Ripple’s Integrated Framework Outpaces Competitors According to the report, the blockchain payments market is divided between “point solutions” and “integrated platforms.” Ripple is identified as the leader in the latter category, offering a comprehensive infrastructure that combines real-time settlements, digital asset custody, and stablecoin liquidity — all within a single system. This multi-layered approach appeals to banks and enterprises seeking compliance-first solutions and reliable cross-border settlement rails. Also Read: Big News: Ripple acquires Palisade to expand institutional crypto custody services RIPPLE HOLDS CLEAR ADVANTAGE OVER STELLAR, ALGORAND, AND SWIFT IN BLOCKCHAIN PAYMENTS Ripple’s advantage comes from being the ONLY platform that unites real time settlements, digital asset custody, and stablecoin liquidity in ONE SYSTEM. While Stellar, Algorand, and… pic.twitter.com/t9xdEXK0xf — SMQKE (@SMQKEDQG) November 3, 2025 Stellar, Algorand, and SWIFT Limited to Narrower Roles In contrast, Stellar and SWIFT are described as serving more specialized functions — with Stellar focusing on remittances and SWIFT remaining tied to legacy financial messaging systems. Meanwhile, IBM Blockchain and Algorand are recognized for enterprise-focused innovations like tokenization and smart contracts, but the report notes they “lack payment-specific optimization.” The analysis highlights that Ripple’s institutional success is powered by its dual focus on technical scalability and regulatory alignment. This combination positions Ripple to meet the evolving needs of programmable finance, making it a preferred infrastructure choice for financial institutions pursuing blockchain integration at scale. Market Context: Ripple Expands Institutional Reach The findings come at a time when Ripple continues to expand its global footprint, with major partnerships and acquisitions announced in recent weeks. Analysts say Ripple’s integrated approach, blending compliance, liquidity, and interoperability, sets it apart in a sector often fragmented by niche providers. SMQKE’s commentary echoes the sentiment of the report: while others tackle specific aspects of blockchain finance, Ripple’s full-stack infrastructure may solidify its leadership in the institutional payments space. Also Read: Bitwise and Grayscale Race Ahead With XRP and DOGE ETFs as SEC Faces Shutdown The post Researcher Highlights Ripple’s Advantage Over SWIFT, Stellar, and Algorand in Payments appeared first on 36Crypto.

Author: Coinstats

2025/11/04

DRW and Liberty City Lead $540M Push Into Tokenized Finance

DRW and Liberty City Lead $540M Push Into Tokenized Finance

The post DRW and Liberty City Lead $540M Push Into Tokenized Finance appeared on BitcoinEthereumNews.com. Fintech Two major investment firms – DRW Holdings, led by veteran trader Don Wilson, and Liberty City Ventures – are moving deeper into the digital asset economy with a high-profile deal involving Tharimmune Inc., a publicly traded vehicle designed to accumulate blockchain-based tokens on its balance sheet. Under the newly announced subscription agreement, the two firms will inject roughly $540 million into Tharimmune through a private placement priced at $3.075 per share. The transaction is set to close around November 6, marking one of the largest token-related corporate financing efforts of 2025. Building a Public Gateway for Digital Tokens Tharimmune’s new focus is centered on Canton Coin, the native token of the Canton blockchain, which was developed by Digital Asset Holdings – a company backed by major financial players including Goldman Sachs, Citadel Securities, and DRW itself. The blockchain aims to serve as a fully regulated infrastructure for institutional-grade financial transactions, blending the transparency of public ledgers with the compliance frameworks of traditional finance. By acquiring and holding Canton Coins, Tharimmune will operate similarly to a digital asset treasury company, a model inspired by Michael Saylor’s Strategy, the largest corporate holder of Bitcoin. Like Saylor’s firm, Tharimmune aims to give investors indirect exposure to blockchain assets through traditional equity markets. Growing Institutional Interest This latest investment marks a continuation of a trend where Wall Street trading firms are seeking structured, publicly listed vehicles to participate in blockchain ecosystems. Earlier this year, DRW and Liberty City joined a $135 million funding round for Digital Asset alongside other financial heavyweights. Shares of Tharimmune jumped 4.6% on Monday in New York after the deal was announced, signaling investor enthusiasm for the company’s pivot toward blockchain-based assets. Bloomberg first reported last week that the two firms were in discussions to raise around $500 million…

Author: BitcoinEthereumNews

2025/11/04

Crypto News: DRW and Liberty City Lead $540M Push Into Tokenized Finance

Crypto News: DRW and Liberty City Lead $540M Push Into Tokenized Finance

Under the newly announced subscription agreement, the two firms will inject roughly $540 million into Tharimmune through a private placement […] The post Crypto News: DRW and Liberty City Lead $540M Push Into Tokenized Finance appeared first on Coindoo.

Author: Coindoo

2025/11/04

Australian Dollar weakens post-RBA, eyes on comments from central bankers

Australian Dollar weakens post-RBA, eyes on comments from central bankers

The post Australian Dollar weakens post-RBA, eyes on comments from central bankers appeared on BitcoinEthereumNews.com. Here is what you need to know on Tuesday, November 4: The Australian Dollar (AUD) stays under bearish pressure early Tuesday as investors assess the Reserve Bank of Australia’s (RBA) monetary policy announcements. In the second half of the day, market participants will pay close attention to comments from central bank officials of major economies. US Dollar Price This week The table below shows the percentage change of US Dollar (USD) against listed major currencies this week. US Dollar was the strongest against the New Zealand Dollar. USD EUR GBP JPY CAD AUD NZD CHF USD 0.02% -0.02% -0.41% 0.34% 0.49% 0.74% 0.30% EUR -0.02% -0.03% -0.35% 0.34% 0.47% 0.73% 0.28% GBP 0.02% 0.03% -0.46% 0.37% 0.50% 0.76% 0.32% JPY 0.41% 0.35% 0.46% 0.73% 0.88% 1.14% 0.83% CAD -0.34% -0.34% -0.37% -0.73% 0.08% 0.38% -0.05% AUD -0.49% -0.47% -0.50% -0.88% -0.08% 0.26% -0.19% NZD -0.74% -0.73% -0.76% -1.14% -0.38% -0.26% -0.44% CHF -0.30% -0.28% -0.32% -0.83% 0.05% 0.19% 0.44% The heat map shows percentage changes of major currencies against each other. The base currency is picked from the left column, while the quote currency is picked from the top row. For example, if you pick the US Dollar from the left column and move along the horizontal line to the Japanese Yen, the percentage change displayed in the box will represent USD (base)/JPY (quote). The RBA announced on Tuesday that it left the policy rate unchanged at 3.6%, as widely anticipated. In the policy statement, the RBA noted that it expects the trimmed mean inflation to average 3.2% through mid-2026, easing to 2.7% by December 2026 and 2.6% by the end of 2027. While speaking on the policy outlook in the post-meeting press conference, RBA Governor Michele Bullock said that they did not consider a rate cut at this meeting…

Author: BitcoinEthereumNews

2025/11/04

Stream Finance suspends withdrawals following $93M loss, launches investigation

Stream Finance suspends withdrawals following $93M loss, launches investigation

The post Stream Finance suspends withdrawals following $93M loss, launches investigation appeared on BitcoinEthereumNews.com. DeFi protocol Stream Finance has halted all deposits and withdrawals following a major loss. Summary Stream Finance has suspended all deposits and withdrawals until further notice after the external fund manager reported a $93 million loss. The firm has engaged Perkins Coie LLP, a top law firm in blockchain, to lead the investigation. Stream’s stablecoin XUSD has lost its peg, trading around $0.50 and causing widespread concern. Analysts estimate total debt exposure, including lenders and users, may exceed $280 million. Decentralized finance platform Stream Finance has suspended deposits and withdrawals after suffering a $93 million loss, prompting concerns across the DeFi community and triggering a formal investigation. The protocol, known for offering capital-efficient strategies by combining traditional finance tools with DeFi innovation, disclosed via X that the losses originated from an external fund manager overseeing its assets. As a result, Stream Finance has engaged blockchain-focused law firm Perkins Coie LLP to lead a comprehensive investigation into the incident. Stream stated that attorneys Keith Miller and Joseph Cutler will oversee the inquiry, reflecting the firm’s emphasis on transparency and governance. The team is also in the process of withdrawing all liquid assets and has pledged to keep stakeholders updated with new developments.  “Until we are able to fully assess the scope and causes of the loss, all withdrawals and deposits will be temporarily suspended. Any pending deposits will not be processed at this time,” Stream Finance added. The platform’s native stablecoin, StakedStreamUSD (XUSD), lost its peg in the aftermath of the disclosure, plunging to approximately $0.50, adding to user concerns. The depegging has not only affected XUSD holders, but also other synthetic tokens under the Stream umbrella such as xBTC and xETH.  Market participants and investors who depend on the protocol for trading and long-term holdings have expressed alarm over the…

Author: BitcoinEthereumNews

2025/11/04

Moonwell lending contract attacked, attackers profit 295 ETH.

Moonwell lending contract attacked, attackers profit 295 ETH.

PANews reported on November 4th that, according to CertiK monitoring, the Moonwell lending contract was attacked by multiple transactions. The attackers exploited a faulty oracle's returned wrst price (approximately $5.8 million) to repeatedly borrow more than 20 wstETH by flash-borrowing only about 0.02 wrstETH and depositing it, thereby profiting 295 ETH (approximately $1 million).

Author: PANews

2025/11/04

Hybrid models or culture clash?

Hybrid models or culture clash?

The post Hybrid models or culture clash? appeared on BitcoinEthereumNews.com. Homepage > News > Business > DeFi Meets TradFi: Hybrid models or culture clash? One of the key topics at the London Blockchain Conference 2025 was the regulatory alignment happening across the world. Finally, lawmakers from the USA to Africa, Asia, and beyond are drafting legislation that allows traditional finance to enter the blockchain space. But as the big banks, financial institutions, and players bring their capital to the table, things will change. Can the two find a hybrid model, or will DeFi simply become TradFi as the big money moves in? Let’s explore. The philosophical divide: institution vs ideology Traditional finance, which we’ll refer to as TradFi from here on in, tends to be trust-based, hierarchical, compliance-driven, and risk-averse. DeFi, on the other hand, aims to be permissionless, trustless, global, and anti-gatekeeping. In short, one is institutional and the other is ideological. That’s an obvious culture clash, and there’s no easy compromise. The divide has already been seen in the industry, and the battle lines have been drawn. Protocols like Aave and Compound have experimented with KYC’d institutional pools, and while they bring liquidity, many argue they defeat the purpose of DeFi in the first place. Despite the apparent culture clash, big lenders aren’t deterred. Marcus Van Abbé, Head of Digital Market Infrastructure at R3, told the London Blockchain Conference that DeFi liquidity is now enough to entice firms off private blockchains nd onto public alternatives. Regulatory compatibility vs innovation speed While code is not and never can be law, much of the early innovation in DeFi came from building things and figuring out the compliance later. This obviously won’t fly in a world where major capital from regulated financial firms is at stake. This raises the question—can the innovation fostered in a “build it now and figure it…

Author: BitcoinEthereumNews

2025/11/04

This $0.035 Token Mirrors Dogecoin’s (DOGE) Viral Spark from Years Past. Is It the Crypto to Buy Now?

This $0.035 Token Mirrors Dogecoin’s (DOGE) Viral Spark from Years Past. Is It the Crypto to Buy Now?

One may recall the tremendous growth of Dogecoin in the years 2020 and 2021, where the meme coin started from nowhere to somewhere after appreciating from a price level of $0.0023 in the early days of 2020 to a staggering level of $0.7376 in May 2021, providing an enormous return on investment for investors who […]

Author: Cryptopolitan

2025/11/04

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