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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.

14802 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
XRP Ledger Roadmap Could Advance Institutional DeFi With Native Lending and Zero-Knowledge Proofs, CTO Says

XRP Ledger Roadmap Could Advance Institutional DeFi With Native Lending and Zero-Knowledge Proofs, CTO Says

The post XRP Ledger Roadmap Could Advance Institutional DeFi With Native Lending and Zero-Knowledge Proofs, CTO Says 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 → The XRP Ledger roadmap centers on institutional DeFi, prioritizing a native lending protocol and integration of zero-knowledge proofs to boost privacy and compliance. These upgrades aim to make the ledger faster, more scalable, and ready for broader enterprise adoption. Core focus: native lending and zero-knowledge proofs Roadmap updates are designed to support institutional DeFi use cases while preserving performance and compliance. Launched in 2012, the XRP Ledger targets faster settlement times (~3–5 seconds ledger closes) and lower transaction costs for scale. XRP Ledger roadmap: institutional DeFi with native lending and ZK proofs—COINOTAG explains what to expect and next steps for enterprise adoption. Ripple CTO David Schwartz recalls his early internet days as XRP Ledger advances with a roadmap focused on DeFi and Web3. 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

2025/10/13

PBOC sets USD/CNY reference rate at 7.1007 vs. 7.1048 previous

PBOC sets USD/CNY reference rate at 7.1007 vs. 7.1048 previous

The post PBOC sets USD/CNY reference rate at 7.1007 vs. 7.1048 previous appeared on BitcoinEthereumNews.com. On Monday, the People’s Bank of China (PBOC) set the USD/CNY central rate for the trading session ahead at 7.1007 compared to Friday’s fix of 7.1048 and 7.1210 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-71007-vs-71048-previous-202510130115

Author: BitcoinEthereumNews

2025/10/13

Bank deregulation set to unlock $2.6tn of Wall Street lending capacity

Bank deregulation set to unlock $2.6tn of Wall Street lending capacity

Wall Street is about to get a historic boost. New findings from Alvarez & Marsal show that the Trump administration’s deregulation drive will open up nearly $2.6 trillion in new lending power for U.S. banks. The rollback of post-crisis capital rules, those designed after the Great Recession in 2008, is expected to free $140 billion […]

Author: Cryptopolitan

2025/10/13

BTC, XLM Rise, MoonBull Titled best crypto to invest in 2025

BTC, XLM Rise, MoonBull Titled best crypto to invest in 2025

The post BTC, XLM Rise, MoonBull Titled best crypto to invest in 2025 appeared on BitcoinEthereumNews.com. Crypto News itcoin and Stellar see renewed strength in October 2025 as MoonBull ($MOBU) rises fast with 11,800% ROI potential as the best crypto to invest in 2025 now. Best crypto to invest in 2025 has become one of the hottest debates of this quarter. Bitcoin (BTC) and Stellar (XLM) are holding the spotlight again as the crypto market’s energy builds up for another strong close to the year. From Bitcoin’s next halving narrative to Stellar’s expanding payment corridors, big names are moving, and smaller tokens are trying to catch up. Yet amid this renewed momentum, one project has caught the market’s pulse faster than most, MoonBull ($MOBU). Bitcoin and Stellar are showing why they remain market anchors, yet the story shaping up this October isn’t about old giants alone. MoonBull ($MOBU) has stormed into focus with high growth potential and real on-chain utility. Built on Ethereum and designed to give regular traders a fair shot at real rewards, it’s already proving that 2025 could belong to more than just the blue chips. For those watching closely, this token’s trajectory might just rewrite what the term “early presale success” really means. MoonBull ($MOBU): The Real Contender Among the Best Crypto to Invest in 2025 MoonBull ($MOBU) stands out by refusing to rely on hype. It runs on an Ethereum-backed framework with tokenomics that actively reward holders through liquidity contributions, reflections, and burns. Every trade feeds back into the ecosystem, reducing supply and boosting value, making it one of the best crypto to invest in 2025 for those seeking growth with mechanics that actually make sense. At its core, MoonBull transforms casual participation into a long-term crypto investment strategy. Its ecosystem operates as a self-reinforcing loop: every buy or sell increases liquidity depth, every holder earns passive rewards, and every burn…

Author: BitcoinEthereumNews

2025/10/13

Which Coins Dominate Q4 2025? Bitcoin and Stellar Rally as MoonBull ($MOBU) Becomes the Best Crypto to Invest in 2025

Which Coins Dominate Q4 2025? Bitcoin and Stellar Rally as MoonBull ($MOBU) Becomes the Best Crypto to Invest in 2025

Best crypto to invest in 2025 has become one of the hottest debates of this quarter. Bitcoin (BTC) and Stellar […] The post Which Coins Dominate Q4 2025? Bitcoin and Stellar Rally as MoonBull ($MOBU) Becomes the Best Crypto to Invest in 2025 appeared first on Coindoo.

Author: Coindoo

2025/10/13

XRP Price Prediction: Investors in for a Shock as Ripple Price Could Tumble Under $1 By 2026, What’s the Top Crypto to Buy Instead?

XRP Price Prediction: Investors in for a Shock as Ripple Price Could Tumble Under $1 By 2026, What’s the Top Crypto to Buy Instead?

The post XRP Price Prediction: Investors in for a Shock as Ripple Price Could Tumble Under $1 By 2026, What’s the Top Crypto to Buy Instead?  appeared on BitcoinEthereumNews.com. XRP investors are in for a reality check as the token is forecast to fall below $1 by 2026, led by unfavorable on-chain action and fading whale confidence. XRP has been unable to develop any staying power despite mini rallies during this current calendar year so far, the cryptocurrency being weakened by the lack of fresh network utility. With the future for XRP growing increasingly dim, the spotlight is shining on the budding DeFi project Mutuum Finance (MUTM), so fervently held by so many to be the safer alternative for the next boom cycle. Now worth $0.035 and 65% sold out during Phase 6 of the presale, Mutuum Finance provides a dual-lending platform that combines traditional finance with peer-to-peer lending to optimize returns. Building momentum from the masses constantly and wonderful early investor popularity, MUTM is predicted by experts to outperform well-established legacy token XRP, potentially skyrocketing to $1 by 2026 as one very promising low-cap crypto to buy today. XRP Fights Through Corrective Phase XRP is set to undergo a corrective phase as the price was unable to cross the resistance level around $3.08, settling momentarily around $2.80. The token is still declining below the significant EMAs around $2.89-$2.93, acting as an evidence of the absence of strong directional flow. Should XRP lose the support level around $2.80, experts have forecast the retest of the September low around $2.70 and fall under $1 by 2026.  The price indecisiveness exudes the overall indecision across the altcoin market, causing most investors to take notice of surging DeFi project Mutuum Finance (MUTM) for better upswing potential toward the current cycle. Mutuum Finance Presale Goes All Out Mutuum Finance (MUTM) is still very much up the mast with strong momentum as it trudges on in Phase 6 of presale, propelling an impetus to…

Author: BitcoinEthereumNews

2025/10/13

Price Wars and Ecommerce Crush China’s Traditional Car Dealers

Price Wars and Ecommerce Crush China’s Traditional Car Dealers

TLDRs; China’s car dealers face mounting losses as online auto sales surge and price wars squeeze margins. Dealer sales dropped 10% in 2025 after an 18% fall in 2024, signaling structural weakness. Tight financing and slow turnover have left many dealers struggling to stay solvent. Ecommerce platforms and direct sales are redefining how Chinese consumers [...] The post Price Wars and Ecommerce Crush China’s Traditional Car Dealers appeared first on CoinCentral.

Author: Coincentral

2025/10/13

Ripple CTO Reflects on Internet’s Origins and Its Impact on Blockchain

Ripple CTO Reflects on Internet’s Origins and Its Impact on Blockchain

TLDR David Schwartz’s first internet memory involves configuring SLIP on SLS Linux. Schwartz co-founded XRP Ledger in 2011, improving on Bitcoin’s limitations. XRP Ledger aims to streamline financial transactions with faster, cheaper methods. The XRP Ledger’s roadmap includes a native lending protocol and ZKPs for privacy. David Schwartz, Ripple’s Chief Technology Officer and one of [...] The post Ripple CTO Reflects on Internet’s Origins and Its Impact on Blockchain appeared first on CoinCentral.

Author: Coincentral

2025/10/13

Ripple CTO Recalls Earliest Moment of Internet: Details

Ripple CTO Recalls Earliest Moment of Internet: Details

The post Ripple CTO Recalls Earliest Moment of Internet: Details appeared on BitcoinEthereumNews.com. Ripple CTO David Schwartz recently participated in an X discussion, which wasn’t based on cryptocurrencies per se, but a topic with a likely inclination: the internet. Schools of thought refer to Web3 as the next iteration of the internet, albeit decentralized, with blockchain being the key technology behind it. The discussion began when Nikita Bier, the head of product at X and advisor at Solana, threw a question at his 616,600 X followers, asking them what their earliest memory of the internet was. The tweet caught the attention of the Ripple CTO, who shared his earliest memory of the internet to be “editing DOS startup files to load a packet driver, configuring SLIP on SLS Linux (on 14 floppy disks), and memorizing bang paths.” Editing DOS startup files to load a packet driver, configuring SLIP on SLS Linux (on 14 floppy disks), and memorizing bang paths. https://t.co/0bnQEgWvRO — David ‘JoelKatz’ Schwartz (@JoelKatz) October 12, 2025 This knowledge of the internet was what the Ripple CTO built on, going on to create XRP in 2012, although work on XRP Ledger began in 2011. In June 2012, David Schwartz, Jed McCaleb and Arthur Britto launched a distributed ledger that improved upon these fundamental limitations of Bitcoin, XRP Ledger, with its native cryptocurrency XRP. Internet of value Cryptocurrency and blockchain are transforming the exchange of value, much as the internet did for the exchange of information, and the journey is expected to be very much the same. The cryptocurrency movement emerged from the ashes of the 2008 financial crisis with the belief that the financial system could be improved to benefit everyone. Cryptocurrency’s use cases vary worldwide, with more use cases possible with emerging Web3 technologies. In this light, XRP Ledger’s updated institutional DeFi road map prepares for what lies ahead in the…

Author: BitcoinEthereumNews

2025/10/13

The big banks worrying about yield-bearing stablecoins need to grow up | Opinion

The big banks worrying about yield-bearing stablecoins need to grow up | Opinion

Yield-bearing stablecoins won’t collapse the banking system. They will challenge it. And in the long run, that’s a good thing.

Author: Crypto.news

2025/10/13

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