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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
Global Gold – The On-Chain Gold Ecosystem

Global Gold – The On-Chain Gold Ecosystem

Cole Chapman is the Co-Founder of Global Gold. Cole is leading the tokenization of gold, creating a global liquidity layer that enables fractional ownership, on-chain liquidity, and collateralized lending.

Author: Brave Newcoin

2025/10/17

From "enforcement deterrence" to "framework innovation", the US SEC's crypto policy shifts

From "enforcement deterrence" to "framework innovation", the US SEC's crypto policy shifts

Author: Martin The U.S. Securities and Exchange Commission is shifting from law enforcement supervision to framework building to outline a clear development path for the crypto industry. "Cryptocurrency and tokenization are the SEC's top priorities." Paul Atkins, chairman of the U.S. Securities and Exchange Commission (SEC), made this clear at the recent Fintech Week in Washington, D.C. Faced with this industry that has long been in a regulatory gray area, Atkins changed the serious attitude of previous regulatory agencies and half-jokingly called the SEC the "Securities and Innovation Commission." This statement indicates that there may be a major shift in the U.S. regulatory policy for crypto assets. Atkins emphasized that the SEC hopes to build a strong regulatory framework to attract crypto talent and companies that have left the United States to return and lay the foundation for future innovation and development. In fact, the SEC has already begun to promote specific measures. Atkins revealed that it will launch an "innovation exemption" mechanism to enable companies to bring on-chain products and services to market faster. New regulatory thinking: from law enforcement to framework building For a long time, the U.S. SEC has adopted a "regulation through law enforcement" approach to the cryptocurrency industry. This strategy has repeatedly caused controversy, but the current SEC leadership has shown a different governance approach - building an adaptive regulatory framework rather than blindly curbing it. Atkins pointed out that the SEC will launch an "innovation exemption" program with the goal of creating a "super application"-like system that enables multiple regulatory agencies involved in crypto assets to work together and avoid the trouble of companies having to register repeatedly across multiple departments. The backdrop of this shift is the increasing urgency of cryptocurrency regulation. In recent years, the size of the crypto market has expanded rapidly, various tokenization practices have continued to emerge, and global regulatory attitudes are undergoing a major shift from strict risk control to regulatory guidance. During his speech, Atkins also emphasized his optimism about distributed ledger technology, calling it "the most exciting part of the crypto space." This statement indirectly reflects the SEC's recognition of the fundamental value of blockchain technology, rather than a complete denial of the potential contribution of cryptocurrencies. "Crypto Plan": Strategic Layout of the US Market The SEC’s proactive shift is not an isolated incident, but part of the U.S. strategic layout for crypto assets. Earlier this year, the SEC launched Project Crypto, an action to comprehensively reform securities rules. It aims to update securities rules and regulations to enable the U.S. market to migrate to the blockchain. The initiative’s priorities are clear: provide certainty about the securities nature of crypto assets; ensure entrepreneurs can raise funds on-chain without facing endless legal uncertainty; and allow “super app” trading platforms to innovate. At the same time, according to a recent report from the President’s Task Force on Digital Asset Markets, the SEC will work with other agencies to ensure that platforms can provide trading, staking, and lending services for crypto assets under a single regulatory framework. Atkins believes that “regulation should provide the ‘minimum effective dose’ of regulation required to protect investors, and no more than that.” Real challenges: government shutdown and market volatility However, the SEC faces practical obstacles in its efforts to promote crypto regulation. The U.S. government shutdown is now entering its second week, and Congress has failed to reach a funding agreement, resulting in significant restrictions on the actions of federal agencies and SEC employees being placed on unpaid leave. This stagnation may affect the SEC's ability to respond to emergencies in the crypto market. For example, just recently, the SEC announced plans to take legal action against Ripple for selling XRP, causing XRP to fall 30% that day and other major cryptocurrencies to fall sharply. In its lawsuit, the SEC accused Ripple of conducting an "unregistered securities offering," while Ripple argued that XRP should be considered a currency rather than a security. Such disputes highlight the urgency of establishing a clear regulatory framework. Digital currency competition from a global perspective The United States' crypto regulatory measures are more strategically significant in a global context. Currently, the global digital currency field is gradually differentiating into three main paths: the central bank digital currency path represented by China, the "cryptocurrency + stablecoin" path represented by the United States, and the diversified path represented by the European Union. The United States is trying to further consolidate the dollar's global currency status in the digital economy era by building a crypto-dollar hegemony with strategic Bitcoin reserves as anchor assets and US dollar stablecoins as a means of circulation. The EU’s Markets in Crypto-Assets (MiCA) Regulation recently came into effect, establishing a comprehensive regulatory framework for digital assets. Some European policymakers have called for the development of “MiCA 2” to cover decentralized finance, non-fungible tokens, and digital asset lending. Under this international competitive situation, the active actions of US regulators are not only a need for domestic financial supervision, but also part of the global competition for monetary sovereignty. As Atkins said, "the era of encryption has arrived." The question now is how countries respond to this trend. The next few months will be a critical period for the reform of U.S. crypto regulation. If the SEC can quickly advance the "Crypto Plan" and "Innovation Exemption" after government funding is restored, the United States may attract a large number of crypto companies and talents to return, and new products such as tokenized stocks, prediction markets and early token issuance may also have a broader development space. As major economies such as the European Union and Singapore accelerate the establishment of digital asset regulatory frameworks, the landscape of global crypto competition is taking shape. The policy shift of the U.S. SEC will become a key variable influencing the future digital asset landscape.

Author: PANews

2025/10/17

Europe’s Crypto Market Sees Robust Growth and Regulatory Transformation

Europe’s Crypto Market Sees Robust Growth and Regulatory Transformation

The post Europe’s Crypto Market Sees Robust Growth and Regulatory Transformation appeared on BitcoinEthereumNews.com. Luisa Crawford Oct 16, 2025 07:39 Europe’s crypto market experiences significant growth, driven by regulatory changes and increased adoption in Russia and the UK. The MiCA framework plays a crucial role. Europe has solidified its position as a dominant force in the global cryptocurrency market, exhibiting remarkable growth and resilience from July 2023 to June 2025. The region’s transaction volumes reached a peak of $234 million in December, underscoring Europe’s status as a mature crypto market characterized by strong institutional presence and widespread retail adoption, according to Chainalysis. European Crypto Market Dynamics The European Economic Area (EEA), consisting of countries like Germany, France, and Italy, alongside Russia and the UK, has become a hub of crypto activity. Russia has emerged as the leading market, with $376.3 billion in crypto transactions, outpacing the UK, which recorded $273.2 billion. This shift highlights a narrowing gap between traditionally dominant and smaller markets such as Germany, Ukraine, and France, which are now achieving comparable levels of crypto activity. Network Effects and Regional Growth Europe’s crypto market growth is characterized by strong network effects. Larger markets like Germany and Russia are not plateauing but continuing to expand, benefiting from enhanced liquidity and institutional participation. Germany’s 54% growth reflects its emergence as a preferred destination for crypto-native firms, while Ukraine and Poland also show significant growth due to grassroots adoption and remittance flows. MiCA’s Impact on the European Landscape The introduction of the Markets in Crypto-Assets (MiCA) framework has transformed Europe’s regulatory environment. MiCA aims to harmonize rules across the EEA, promoting market integrity and financial stability. Despite some jurisdictions allowing transitional periods until 2026, MiCA has spurred broader digital asset engagement, with traditional financial institutions exploring crypto services. The Rise of EUR Local Stablecoins MiCA’s impact is…

Author: BitcoinEthereumNews

2025/10/17

Jim Cramer Says Bank Loan Losses Could Prompt Fed To Cut Rates, Possibly Pressuring U.S. Dollar

Jim Cramer Says Bank Loan Losses Could Prompt Fed To Cut Rates, Possibly Pressuring U.S. Dollar

The post Jim Cramer Says Bank Loan Losses Could Prompt Fed To Cut Rates, Possibly Pressuring U.S. Dollar 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 → Bank loans gone bad are forcing policymakers to weigh faster interest-rate cuts: rising credit losses among regional banks and corporate borrowers increase default risk, reduce lending capacity, and create a compelling case for the Federal Reserve to ease policy sooner to stabilize credit markets. Market impact: bank stocks plunged, signaling elevated credit stress and prompting Fed attention. Major indexes fell: Dow -0.7%, S&P 500 -0.6%, Nasdaq -0.5% as bank lending worries rose. Zions disclosed a $50 million commercial-loan loss; First Brands and Tricolor bankruptcies exposed wider counterparty risk. Bank loans gone bad push the Fed toward earlier rate cuts; read COINOTAG’s concise analysis of market and crypto impacts with expert commentary. Published: October 17, 2025 — Updated: October 17, 2025 — By COINOTAG COINOTAG recommends • Professional traders group 💎 Join a professional trading community Work with senior traders, research‑backed setups, and risk‑first frameworks. 👉 Join the group → COINOTAG recommends • Professional traders group 📊 Transparent performance, real process Spot strategies with documented months of triple‑digit runs during strong trends; futures plans use defined R:R and sizing. 👉…

Author: BitcoinEthereumNews

2025/10/17

Jim Cramer says bad bank loans will force Powell to cut interest rates faster

Jim Cramer says bad bank loans will force Powell to cut interest rates faster

Wall Street just got hit with another headache, and Jim Cramer says this one’s serious enough to shake the Federal Reserve out of its tight grip on interest rates. The CNBC host warned that a wave of bad bank loans is now pushing Jerome Powell into a corner, one where cutting rates fast might be […]

Author: Cryptopolitan

2025/10/17

PBOC sets USD/CNY reference rate at 7.0949 vs. 7.0968 previous

PBOC sets USD/CNY reference rate at 7.0949 vs. 7.0968 previous

The post PBOC sets USD/CNY reference rate at 7.0949 vs. 7.0968 previous appeared on BitcoinEthereumNews.com. On Friday, the People’s Bank of China (PBOC) set the USD/CNY central rate for the trading session ahead at 7.0949 compared to the previous day’s fix of 7.0968 and 7.1154 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-70949-vs-70968-previous-202510170115

Author: BitcoinEthereumNews

2025/10/17

Trump’s Crypto Empire Surpasses $1B as Family Profits From Memecoins

Trump’s Crypto Empire Surpasses $1B as Family Profits From Memecoins

The post Trump’s Crypto Empire Surpasses $1B as Family Profits From Memecoins appeared on BitcoinEthereumNews.com. US President Donald Trump’s second term in office has coincided with an extraordinary increase in his personal wealth, much of it linked to a sprawling cryptocurrency empire built by the president and his family. According to a Financial Times investigation, Trump’s crypto ventures have generated more than $1 billion in pre-tax profit over the past year. Trump’s son, Eric, confirmed to the outlet that the family’s actual profits were “probably more.” At the center of this new fortune is World Liberty Financial, a crypto company founded by Trump’s sons and allies, which has sold billions of dollars in tokens and stablecoins. The project, whose website identifies President Donald Trump as “co-founder emeritus,” launched last year with plans for a crypto-lending app.  In June, Trump disclosed $57.4 million in income from his involvement with World Liberty Financial. Last month, the Trump family’s stake in the project surged to $5 billion after a token unlock. The FT estimates the family has earned $550 million from WLFI this year. Trump family launches memecoins The Trump family has also profited from memecoins like Official Trump (TRUMP) and Official Melania Meme (MELANIA), which collectively brought in hundreds of millions of dollars through sales and trading fees. Related: Trump confirms US is in a trade war with China Per the FT report, the TRUMP memecoin has brought the family $362 million in profit, while MELANIA has made $65 million. Notably, the TRUMP memecoin is down by more than 90% from its all-time high, while MELANIA has performed even worse, down more than 99% from its high. Finally, the Trump family bagged $42 million from USD1, the stablecoin issued by World Liberty. Since its launch in early April, the Trump family-backed stablecoin has become the world’s fifth-largest stablecoin with a market cap of $2.68 billion, according to CoinMarketCap. Trump…

Author: BitcoinEthereumNews

2025/10/17

Stablecoins Power $670 Billion in Onchain Loans: Visa

Stablecoins Power $670 Billion in Onchain Loans: Visa

The post Stablecoins Power $670 Billion in Onchain Loans: Visa appeared on BitcoinEthereumNews.com. With new U.S. stablecoin rules in place, Visa says banks are starting to explore blockchain-based lending markets. Stablecoins are expanding beyond payments and trading, according to a new report from Visa, which found that more than $670 billion in loans have been issued through on-chain lending platforms over the past five years. Cumulative Onchain Lending Volume Visa said monthly on-chain lending volumes reached $51.7 billion in August 2025, with over 81,000 active borrowers and an average loan size of $76,000. The average borrowing rate from September 2024 to August 2025 was about 6.7%, similar to traditional credit markets. The report highlights that stablecoins are no longer just used for trading or payments. They are now playing a larger role in lending, as banks and financial firms explore how blockchain can speed up and improve the efficiency of borrowing and lending. The total stablecoin market is now valued at about $307 billion, and the two largest stablecoins, Circle’s USDC ($76 billion market cap) and Tether’s USDT ($181 billion market cap), make up more than 98% of all stablecoin lending activity, according to Visa. Monthly Onchain Lending Volume Across blockchains, most lending occurred on Ethereum and Polygon (85% of the market in August 2025), while Base, Arbitrum, and Solana made up just 11%. Regarding on-chain protocol lending, Aave, which has a total value locked (TVL) of $40 billion, and Compound, which has a TVL of $2.6 billion, accounted for 89% of lending volume. “What makes stablecoins unique is their position at the intersection of three massive markets: payments, lending and capital markets,” the report reads. “While clear opportunities exist for stablecoins within the existing payments ecosystem, they are uniquely positioned to drive even greater transformation in the global modernization and automation of lending and capital markets.” The report also highlighted platforms like…

Author: BitcoinEthereumNews

2025/10/17

Ethereum Price Prediction and Crypto News: ETH-Based DeFi Token Mutuum Finance (MUTM) Emerges as the Top Crypto of 2025

Ethereum Price Prediction and Crypto News: ETH-Based DeFi Token Mutuum Finance (MUTM) Emerges as the Top Crypto of 2025

In top crypto news today, Ethereum (ETH) remains at the forefront of headlines with investors projecting strong recovery in Q4 through renewed action in the DeFi market and expansion in the area of layer-2 in 2025. But though Ethereum’s long-term fundamentals remain solid, new Ethereum-built DeFi project Mutuum Finance (MUTM) is fast becoming a top crypto to invest in this year.  In phase 6 presale, the project is valued at $0.035 and already sold out more than 65%. Mutuum Finance has already generated $17.4 million in funds and gained over 17,200 investors. Its expanding network and utility-focused model have experts terming it the next big DeFi phenomenon on Ethereum, and possibly one of the standout performers in 2025 across the altcoin space. Ethereum Price Prediction: ETH Bounces Back Towards $4,500 as Bulls Maintain Momentum After temporarily dropping below the $3,800 mark, Ethereum (ETH) is showing a solid reversal signal, popping back above $4,150 and closing out the key bearish trend line at about $4,100. The action also took ETH through the 50% Fibonacci retracement of the $4,758 top and $3,423 low, which suggests newfound momentum to the upside within the marketplace.  Primary upside targets in this situation lie at $4,250, then $4,320, and potentially a breakout to the $4,400–$4,500 region, levels which may bolster broader investor confidence. A reversal at $4,250 may, on the other hand, begin the short-term correction back into $4,120–$4,100 region with deeper support near $4,020 and $3,950. Although speculative traders remain focused upon Ethereum’s technical recovery, long-term investors also eye new projects within the burgeoning DeFi space such as Mutuum Finance (MUTM), which suggests capital again is going into innovation throughout the Ethereum network. Mutuum Finance Attracting Greater Presale Hype Mutuum Finance (MUTM) continues to trend in the DeFi sector and headlines in crypto news with strong interest building among investors. The sixth presale phase of the project is already 65% subscribed, which indicates strong market momentum. Over 17,200 investors have invested $17.4 million in total so far, both all-time highs for MUTM, which highlights the continually growing global appetite for its long-term decentralized finance vision and ecosystem. Mutuum Finance is a top crypto to buy today. During its recent development update, Mutuum Finance announced it would be launching its lending and borrowing protocol in the near term, another significant move in the expansion of its decentralized architecture. The platform’s Version 1 (V1) is set to launch on the Sepolia Testnet in Q4 2025. The Initial Release would see it launch with a solid set of DeFi building blocks such as liquidity pools, mtTokens, debt tokens, and liquidator bot which all combined will be used in the development of the comprehensive, efficient, and scalable decentralized finance infrastructure. Mutuum Finance Leaderboard Sparks Investor Interest The Mutuum Finance leaderboard is fueling a wave of excitement among investors with its daily competition and reward system. Over the last 24 hours, the top five investors have collectively purchased $8,860, $8,339, $1,187, $949, and $408 worth of MUTM tokens respectively, a clear sign of the community’s growing enthusiasm and engagement in the ongoing presale. Each member who asserts the top spot receives on a daily basis a $500 MUTM token reward aiming at acknowledging regularity, dedication, and active involvement. To be eligible for the prize, users must undertake at least one transaction in the course of 24 hours. MUTM has drawn $17.4 million in funds across over 17,200 investors in Phase 6, which is currently 65% sold out. Record-highest daily purchases of $8,860 and $8,339 signal strong momentum and community engagement. With its lending/borrowing protocol coming soon, MUTM encapsulates innovation, scalability, and DeFi utility in one package as a top crypto to buy in 2025. Get your tokens now and be among the beneficiaries of the next Ethereum-based DeFi explosion. For more information regarding Mutuum Finance (MUTM) please use the following links: Website: https://mutuum.com/ Linktree: https://linktr.ee/mutuumfinance

Author: Coinstats

2025/10/17

More People Will Use Crypto in Next 10 Years

More People Will Use Crypto in Next 10 Years

The post More People Will Use Crypto in Next 10 Years appeared on BitcoinEthereumNews.com. Key Highlights Coinbase CEO believes that the cryptocurrency market will see huge growth in the next 10 years. He said that more people will use crypto, but they may not know they’re using crypto.. However, he mentioned that current complexities are hindering the crypto’s adoption.  On October 16, Brian Armstrong, CEO of Coinbase, expressed his optimism in the adoption of cryptocurrency in the latest post on X (formerly Twitter), saying, “In 10 years, many more people will use crypto, but they may not know they’re using crypto.” That’s why DEX trading, crypto-backed loans, and DeFi lending on Coinbase are cool. You get the benefits of operating onchain, without the complexity. Over time user experience will keep improving, and more layers of complexity will disappear. — Brian Armstrong (@brian_armstrong) October 16, 2025 According to Brian Armstrong, the cryptocurrency market is currently facing a major hurdle in its expansion in the form of the complexity associated with it. However, he believes that more layers of complexity will disappear in the long run, which will enhance user experience.  “That’s why DEX trading, crypto-backed loans, and DeFi lending on Coinbase are cool. You get the benefits of operating on-chain, without the complexity,” Coinbase CEO said.  Coinbase CEO Expects Explosive Growth in Crypto Sector According to Future Market Insights, the crypto market is projected to be valued at $3.7 billion in 2025 and is projected to reach $12.1 billion by 2035 with a compound annual growth rate (CAGR) of 12.6%. Coinbase CEO In 2025, the cryptocurrency market witnessed a major change after U.S. President Donald Trump created a friendly regulatory environment for innovations. The skepticism major banks once held toward cryptocurrency has gradually vanished.  Also, the formation of new regulations like the U.S. GENIUS Act and Europe’s MiCA framework has provided the much-needed regulatory clarity…

Author: BitcoinEthereumNews

2025/10/17

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