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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.

15137 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Next Crypto to 30x? This DeFi Token Could Lead 2026

Next Crypto to 30x? This DeFi Token Could Lead 2026

The post Next Crypto to 30x? This DeFi Token Could Lead 2026 appeared first on Coinpedia Fintech News As the crypto market gears up for another major cycle, investors are once again asking the big question: what’s the next crypto to 30x? While meme coins like Dogecoin and Pepecoin have dominated headlines with viral rallies, their lack of real-world use cases has left many wondering whether those gains can truly last. In contrast, …

Author: CoinPedia

2025/10/27

Bitcoin Poised for Explosive Rally as Fed Bank Reserves Hit Critical Threshold

Bitcoin Poised for Explosive Rally as Fed Bank Reserves Hit Critical Threshold

TLDR Bank cash reserves at the Federal Reserve dropped to approximately $2.93 trillion last week, approaching levels that historically trigger policy responses Author Adam Livingston believes reserves are within five weeks of reaching a “danger zone” that could prompt changes in Federal Reserve policy Three factors are draining liquidity: Treasury rebuilding cash balances, Fed’s quantitative [...] The post Bitcoin Poised for Explosive Rally as Fed Bank Reserves Hit Critical Threshold appeared first on CoinCentral.

Author: Coincentral

2025/10/27

Arbitrum Crosses 2 Billion Transactions, From Small Launch…

Arbitrum Crosses 2 Billion Transactions, From Small Launch…

The post Arbitrum Crosses 2 Billion Transactions, From Small Launch… appeared on BitcoinEthereumNews.com. Arbitrum just hit a massive milestone. The Ethereum Layer 2 network has now processed 2 billion transactions, that’s 2,000,000,000 swaps, bridges, and DeFi actions recorded on-chain. The team celebrated the achievement yesterday, thanking the community, users, builders, and partners, who’ve powered the network since day one. From a quiet launch in August 2021 to becoming Ethereum’s most active scaling layer, it’s been an incredible journey built on consistent delivery, not hype. Incredible wins from our builders this week! 🏆 – Arbitrum One just hit 2 BILLION transactions (HIGHOR) – @vladtenev mentioned tokenization will eat the entire financial system (starting with over 490+ tokenized stocks, ETFs, commodities, US treasuries available to EU users on… pic.twitter.com/kEJm3CgJxb — Arbitrum (@arbitrum) October 24, 2025 From Thousands to Millions When Arbitrum first launched, it handled just a few hundred thousand transactions daily. Now, it processes over 1 million transactions every single day, even peaking at 2 million daily txs in May 2024, right after the Stylus update went live, slashing gas costs and speeding up execution times. That upgrade changed everything. Stylus unlocked new developer capabilities and made Arbitrum far more efficient for heavy DeFi workloads and on-chain applications. The numbers tell the story: over $4 billion in Total Value Locked (TVL), more than 600,000 monthly active users, and 49 Orbit chains running on Arbitrum tech, together moving over $20 billion in ecosystem value. That’s not just adoption. It’s scale. Arbitrum, Building the L2 Economy Arbitrum isn’t just an L2 anymore, it’s a thriving on-chain economy. Projects like @MorphoLabs and @pendle_fi are leading a new wave of DeFi innovation on top of it. @MorphoLabs recently hit a market size all-time high (ATH) of $485 million, showing just how strong its demand has become. @SiloFinance followed closely, reaching its own ATH of $113 million in deposits.…

Author: BitcoinEthereumNews

2025/10/27

Iran’s Banking Instability Boosts Bitcoin’s Appeal as Financial Alternative

Iran’s Banking Instability Boosts Bitcoin’s Appeal as Financial Alternative

The post Iran’s Banking Instability Boosts Bitcoin’s Appeal as Financial Alternative 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 → Iran’s financial collapse, marked by the insolvency of Ayandeh Bank, underscores Bitcoin’s rising appeal as a hedge against banking instability and inflation in sanctioned economies. With losses exceeding $5 billion, the crisis highlights how decentralized cryptocurrencies offer users direct control over assets amid eroding trust in traditional systems. Ayandeh Bank’s failure exposes deep vulnerabilities in Iran’s banking sector, with $5.2 billion in losses transferred to state-owned Melli Bank. High inflation and sanctions have eroded public confidence, leading to long queues at branches and fears over deposit access. Bitcoin’s decentralized nature positions it as an attractive alternative, with adoption growing in regions facing currency devaluation and systemic risks, per reports from economic analysts. Iran’s banking crisis boosts Bitcoin’s appeal amid $5B losses and nationalization. Discover how crypto hedges against inflation in unstable economies—explore secure alternatives today. What is the Impact of Iran’s Financial Collapse on Bitcoin’s Appeal? Iran’s financial collapse, exemplified by the Central Bank’s declaration of Ayandeh Bank’s insolvency on October 27, 2025, has spotlighted Bitcoin’s role as a resilient asset in turbulent economies. The transfer of Ayandeh’s assets…

Author: BitcoinEthereumNews

2025/10/27

Iran’s Financial Collapse Highlights Growing Appeal of Bitcoin

Iran’s Financial Collapse Highlights Growing Appeal of Bitcoin

The post Iran’s Financial Collapse Highlights Growing Appeal of Bitcoin appeared on BitcoinEthereumNews.com. Bitcoin Iran’s financial sector has entered a new phase of instability after the Central Bank officially declared Ayandeh Bank insolvent, transferring its assets to state-owned Melli Bank. The move effectively nationalized what had been one of the country’s largest private lenders and exposed the scale of losses that had been building for years. Central Bank Intervention and Fallout Ayandeh, founded in 2012 and operating over 270 branches, had accumulated roughly $5.2 billion in losses and $3 billion in debt, according to data from Asharq Al-Awsat. The Central Bank’s intervention is aimed at preventing wider contagion within an already fragile system plagued by high inflation, sanctions pressure, and a depreciating rial. Officials stated that depositors’ funds would remain secure under Melli Bank’s guarantee, but public confidence has eroded sharply. Long queues were reported at Ayandeh locations in Tehran and other cities, reflecting widespread concern that repayment limits and slow insurance processes could delay access to deposits. Iran’s deposit insurance framework only protects up to 1 billion rials — about $930 — per account, with compensation often taking years. Depositors holding larger balances now face the risk of significant write-downs. Governance Weakness and S@tructural Strain The failure of Ayandeh Bank has been linked to poor lending practices, including extensive credit exposure to politically affiliated enterprises. Among its largest commitments was the Iran Mall complex, a debt-heavy development that struggled under project overruns and weak returns. The episode underscores the vulnerabilities of Iran’s banking network, where state-linked projects and restricted foreign capital flows have compounded liquidity shortages. The economy, already contracting under renewed sanctions, continues to experience simultaneous inflationary and recessionary pressures — a combination that has pushed private lenders into increasingly unstable territory. Global Parallels Iran’s banking crisis mirrors broader weaknesses in the global financial system. In the United States, a series…

Author: BitcoinEthereumNews

2025/10/27

7 Top Meme Coins to Join Now: MOBU, $CULEX and More

7 Top Meme Coins to Join Now: MOBU, $CULEX and More

The post 7 Top Meme Coins to Join Now: MOBU, $CULEX and More appeared on BitcoinEthereumNews.com. Crypto News Explore MoonBull, Shiba Inu, La Culex, BullZilla, Popcat, SPX6900, Cheems. MoonBull is the top meme coin to join now, with the $MOBU presale live. Are meme coins the secret to your next crypto breakthrough? From the explosive rise of Shiba Inu (SHIB) to the hype around BullZilla ($BZIL), meme coins have captured global attention with their wild growth and passionate communities. Coins like La Culex ($CULEX), Popcat (POPCAT), SPX6900 (SPX), Cheems (CHEEMS), and the breakout star MoonBull ($MOBU) are redefining what it means to invest in trending cryptocurrencies. Among these, MoonBull dominates as the top meme coin to join now, offering unmatched presale advantages, staking rewards, and referral incentives. Its early momentum positions it as a potential leader in the next meme coin wave, standing apart from the noise of conventional tokens. MoonBull: The Meme Coin Turning Heads and the Top meme coin to join now MoonBull ($MOBU) dominates as the top meme coin to join now, offering a next-generation ecosystem designed to reward early investors and active community members. The $MOBU presale spans 23 stages, giving early participants maximum advantage while maintaining long-term sustainability. Each transaction fuels a smart redistribution system: 2% strengthens liquidity, 2% is shared as passive income with holders, and 1% is burned to reduce supply and increase scarcity. On top of this, the referral program supercharges growth, inviting someone grants them 15% extra tokens while the referrer receives 15% instantly, with monthly USDC bonuses for top performers. Coupled with staking rewards of up to 95% APY, MoonBull combines reflections, scarcity, and community incentives, making it an unmissable opportunity for crypto investors seeking explosive early-stage gains. MoonBull Presale Skyrockets: Stage 5 at $0.00006584, Over $450K Raised & 1,500+ Holders The MoonBull presale is in full swing, creating an urgent window for investors. Currently at…

Author: BitcoinEthereumNews

2025/10/27

7 Top Meme Coins to Join Now: Early Investment Opportunities for Maximum Profit Potential in 2025

7 Top Meme Coins to Join Now: Early Investment Opportunities for Maximum Profit Potential in 2025

Are meme coins the secret to your next crypto breakthrough? From the explosive rise of Shiba Inu (SHIB) to the […] The post 7 Top Meme Coins to Join Now: Early Investment Opportunities for Maximum Profit Potential in 2025 appeared first on Coindoo.

Author: Coindoo

2025/10/27

Who holds your keys during custody consolidation?

Who holds your keys during custody consolidation?

The post Who holds your keys during custody consolidation? appeared on BitcoinEthereumNews.com. Nevada regulators shut down Fortress Trust on Oct. 22, citing insolvency that left the custodian holding roughly $200,000 in cash against $8 million owed in fiat and $4 million in crypto. The cease-and-desist order marked the second major Nevada trust-company collapse in two years, following Prime Trust’s entry into receivership in June 2023. Both firms shared the same founder. The pattern forces exchanges, fintechs, and investors to confront where customer assets actually sit and which regulatory frameworks prevent failures from wiping out user funds. Nevada’s Financial Institutions Division described Fortress’s condition as “unsafe and unsound,” barred deposits and asset transfers. It noted that the custodian could not produce financials for July through September or basic reconciliations. Fortress, which rebranded as Elemental Financial Technologies after a 2023 vendor breach costing $12 million to $15 million, served more than 250,000 clients. Ripple withdrew its acquisition bid days after the breach was disclosed. The failures occurred under Nevada’s retail trust-company charter, which requires statutory segregation but has led to enforcement actions spotlighting governance breakdowns and gaps in exam frequency. Four custody charters and their segregation rules US institutions custody digital assets under four frameworks: Nevada retail trusts, New York limited-purpose trusts and BitLicense custodians, OCC national trust banks, and Wyoming SPDIs. Nevada’s NRS Chapter 669 mandates trust-fund segregation and permits omnibus titling if records identify each beneficial owner, but exam frequency, set as “often as necessary,” has varied in practice. New York’s 2023 DFS custody guidance requires treating customer assets as customer property, prohibits custodians from using customer assets for anything beyond safekeeping, and requires audit trails that reconcile omnibus wallets to individual accounts. Sub-custody needs prior DFS approval. BitLicense holders face intensive risk-based exams funded by DFS assessments, creating frequent touchpoints and capital requirements that smaller firms cannot meet. The OCC confirmed…

Author: BitcoinEthereumNews

2025/10/27

Nevada shuts down Fortress Trust: Who holds your keys during custody consolidation?

Nevada shuts down Fortress Trust: Who holds your keys during custody consolidation?

Nevada regulators shut down Fortress Trust on Oct. 22, citing insolvency that left the custodian holding roughly $200,000 in cash against $8 million owed in fiat and $4 million in crypto. The cease-and-desist order marked the second major Nevada trust-company collapse in two years, following Prime Trust’s entry into receivership in June 2023. Both firms […] The post Nevada shuts down Fortress Trust: Who holds your keys during custody consolidation? appeared first on CryptoSlate.

Author: CryptoSlate

2025/10/27

JPMorgan Chase plans to accept Bitcoin as loan collateral. What's the underlying reason?

JPMorgan Chase plans to accept Bitcoin as loan collateral. What's the underlying reason?

After years of tension between cryptocurrencies and traditional finance, a symbolic shift is taking place inside the world’s largest bank. JPMorgan Chase & Co. is reportedly preparing to allow institutional clients to use Bitcoin and Ethereum as collateral for cash loans. This means that the bank's borrowers can pledge the two largest cryptocurrencies by market capitalization, and the relevant assets will be held by approved third-party custodians such as Coinbase. The program is expected to be launched by the end of 2025. The move is ironic given that the financial giant's CEO, Jamie Dimon, is a well-known cryptocurrency critic who has previously described Bitcoin as a "scam." But growing demand in the nascent cryptocurrency industry forced him to back the company's product launches. A new chapter in digital collateral JPMorgan's move could quietly rewrite the boundaries between digital assets and regulated credit markets. According to Galaxy Research data, as of June 30, the total amount of outstanding loans in centralized finance reached US$17.78 billion, a month-on-month increase of 15% and a year-on-year increase of 147%. If decentralized loans are included, the total balance of cryptocurrency-collateralized credit reached US$53.09 billion in the second quarter of 2025, setting the third highest record in history. These data reflect a structural shift: as digital asset prices rise, lending activity increases in tandem. The trend has narrowed credit spreads, making loans more attractive to traders and corporate treasuries. In addition, businesses have also begun to use cryptocurrency-collateralized lending to finance operations, replacing equity issuance with debt secured by digital assets. In this context, JPMorgan Chase’s entry is less an experiment than a decisive move by the institution to “catch up with its peers” in the emerging industry. In response, cryptocurrency researcher Shanaka Anslem Perera estimates that the model could unlock $10 billion to $20 billion in instant lending capacity for hedge funds, corporate treasuries, and large asset managers. These institutions want to access U.S. dollar liquidity without having to sell their cryptocurrency tokens. In practical terms, this means that companies can now raise funds using digital assets, using the same process as borrowing against U.S. Treasuries or blue-chip stocks. The significance of JPMorgan's move While cryptocurrency-collateralized lending is already common among decentralized finance (DeFi) protocols and small centralized finance lenders, JPMorgan’s involvement institutionalizes the model. The bank’s entry signals that digital assets are mature enough to meet the global financial industry’s standards for compliance, custody and risk management. Matt Sheffield, CIO of SharpLink, an Ethereum-focused finance firm, believes the development could reshape how asset managers and funds manage their balance sheets. “Until now, many traditional financial institutions that rely on bank transactions have had to choose between holding Ethereum spot and other positions,” he said. "The world's largest investment bank is working to change that. By borrowing against positions held by third-party custodians, institutions can build more profitable portfolios and increase the value of their collateral." At the same time, this decision also strengthens JPMorgan's overall layout in the cryptocurrency field. Over the past two years, the bank has built Onyx, a blockchain-based settlement network, processed billions of dollars in tokenized payments, and explored digital asset repo transactions. Accepting Bitcoin and Ethereum as loan collateral completes the closed loop of "issuance-settlement-credit", and all three links rely on blockchain infrastructure. Based on this, Sheffield predicts that this move will trigger a "competitive chain reaction" among large banks. He pointed out: “This will set off a wave. For large institutions, the deterrent of ‘being the first to act’ is huge. Once the risks are reduced, other banks will follow suit, and if they don’t act, they will lose their competitiveness.” Currently, competitors such as Citigroup and Goldman Sachs have expanded their digital asset custody and repurchase businesses; BlackRock has incorporated tokenized Treasury bonds (BUIDL) into its fund ecosystem; and Fidelity has doubled the number of employees in its institutional cryptocurrency department this year. Opportunities and challenges coexist Despite growing acceptance of digital assets on Wall Street, challenges remain. Banks involved in this market must deal with the inherent volatility of cryptocurrencies, uncertainty about regulatory capital treatment, and ongoing counterparty risk, all of which have limited their efforts to expand their cryptocurrency-backed lending businesses. US regulators have yet to issue clear capital weighting guidelines for digital collateral, forcing institutions to rely on conservative internal models. Even if custody risk is managed by a third-party custodian, regulatory oversight is expected to remain strict. Nonetheless, the trajectory of the industry is unmistakable, with digital assets becoming increasingly integrated into the fabric of global credit markets. Bitcoin analyst Joe Consoerti said the moves suggest that “the global financial system is slowly reallocating collateral around the highest-quality assets known to mankind.”

Author: PANews

2025/10/27

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