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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
BYD-Led Consortium Secures Self-Driving Bus Deal in Singapore

BYD-Led Consortium Secures Self-Driving Bus Deal in Singapore

TLDRs: Singapore awards $8.1M contract for six autonomous buses to serve Marina Bay and one-north. Initial trial on routes 400 and 191 includes onboard safety operator and real-time monitoring. LTA plans to expand self-driving buses to 100–150 vehicles by 2026. BYD, MKX Technologies, and Zhidao Network join forces to modernize public transport. Singapore’s Land Transport [...] The post BYD-Led Consortium Secures Self-Driving Bus Deal in Singapore appeared first on CoinCentral.

Author: Coincentral

2025/10/03

Building Trust in Web3: Why Stablecoin Development Matters

Building Trust in Web3: Why Stablecoin Development Matters

In this Article about building trust in web3: why stablecoin development matters. Read it out.Building Trust in Web3: Why Stablecoin Development Matters Introduction Trust has always been of utmost importance in the world of financial systems. In the traditional set-up, banks, governments, and similar central institutions function as trusted intermediaries. But in this new Web3 organization based on principles of decentralization, transparency, and peer-to-peer interaction-the trust is no longer granted to centralized authorities; rather, it lies with the technology itself. In a manner, stablecoins have come to represent the paramount trust layer by combining the efficiency of blockchain with the promises of real-world value. The stablecoins stand as critical factors in the realization of actual reliable transactions, diminution of volatility, and building bright avenues toward mass adoption as the dApps, DeFi protocols, and Web3 platforms are consuming the attention of the masses. What are Stablecoins? Stablecoins are a form of digital asset that attempt to maintain a stable value by being pegged onto a reference asset, typically fiat currencies, commonly the U.S. dollar or, in some cases, commodities like gold. Therefore, unlike classic cryptocurrencies like Bitcoin or Ethereum, which tend to provide volatility, stablecoin development is supposed to provide price stability and hence may be used in everyday commercial transactions. There are four different types of stablecoins:

  1. Fiat-backed Stablecoins
  2. Crypto-backed Stablecoins
  3. Algorithmic Stablecoins
  4. Commodity-backed Stablecoins This stability allows them to become the perfect bridge between TradFi and DeFi. The Role of Stablecoins in Web3 Web3 development aims to create a decentralized, user-owned internet with blockchain technology behind it. However it is an extremely difficult task to have full adoption by XYZ users and business, considering that we do not have a stable and reliable means to exchange value. Stablecoins maintain the very foundation of Web3 insofar as:
Payments Made Easy: Implying payments with stablecoins are instant, borderless, CPU-light, and far cheaper compared to bank transfers. Decreasing Volatility in DeFi and dApps: With the price stability they provide, stablecoins put more users on interacting with decentralized apps. Mass Adoption: Making it possible for ordinary people to use blocks, stablecoins save potential users from doubts of interacting with a very volatile crypto asset. Why Stablecoin Development Matters Stablecoin development, which is building yet another digital token, is about creating financial trust in Web3 ecosystems. Here’s why it matters: Trust and Stability: Stablecoins provide the assurance required so that an individual or business can transact with confidence. Cross-Border Efficiency: They enable global transactions by eliminating an external banking intermediary. Support for Real-World Assets: Stablecoins contribute to tokenizing RWAs such as real estate, or commodities, or securities, thereby fractionalizing ownership and creating liquidity. Liquidity for DeFi: Stablecoins serve as the primary asset for most DeFi platforms lending, borrowing, and yield farming; thus, they become the foundation of decentralized finance. Benefits of Stablecoin Development Financial Inclusion Transparency and Security Stability in Volatile Markets Faster Settlements Cost Efficiency Real-World Applications of Stablecoins in Web3 Payments and E-Commerce: Merchants accept stablecoin payments to avoid volatility risks and give customers faster and cheaper transactions. DeFi Lending & Borrowing: These stablecoins are the backbone of these lending protocols, offering stable collateral with predictable interest rates. NFT Marketplaces and Metaverse Economies: The stablecoins make NFT purchases and virtual economy transactions more reliable. Cross-Border Remittances: Different countries can enter money transfers through migrant workers and international offices with minimum fees and less processing time. DAO Treasury Management: Stablecoins are used by DAOs in treasury management to hold the value with respect to the changes in crypto markets. Conclusion Stablecoins, being considered a digital asset, are really rather those that instill trust within Web3. Stablecoins with the value of fiat and commodities on one hand and efficient blockchain construction on the other are offered as a seismic base upon which decentralized applications, DeFi platform development , and metaverse economies come to being. The need for stablecoin development lies in joining traditional finance with the decentralized world of ecosystems, providing stability, accessibility, and trust. As time proceeds, the Web3 will likewise progress, with stablecoins lying at the very heart of global blockchain adoption, designing money to take an alternative role in the digital timesphere. Building Trust in Web3: Why Stablecoin Development Matters was originally published in Coinmonks on Medium, where people are continuing the conversation by highlighting and responding to this story

Author: Medium

2025/10/03

Best Crypto to Buy: Will Solana (SOL) Skyrocket Past $300 in the Uptober Rally, or Will This Viral Altcoin Dominate Q4 2025 Gains?

Best Crypto to Buy: Will Solana (SOL) Skyrocket Past $300 in the Uptober Rally, or Will This Viral Altcoin Dominate Q4 2025 Gains?

With October now well underway, cryptocurrency traders are filled with anticipation on whether Solana (SOL) can be the beneficiary of the anticipated “Uptober” bull run and cross the $300 level, fueled by rising institutional demand coupled with the upcoming Firedancer update. While SOL is hopeful, market focus is quickly turning to Mutuum Finance (MUTM), a […]

Author: Cryptopolitan

2025/10/03

3 Best Cryptos Primed for 1000% Rallies

3 Best Cryptos Primed for 1000% Rallies

Ethereum (ETH), Solana (SOL), and Mutuum Finance (MUTM) are all entering pivotal moments that could dictate their next growth phase. […] The post 3 Best Cryptos Primed for 1000% Rallies appeared first on Coindoo.

Author: Coindoo

2025/10/03

XRP Rises 3% on SBI Lending Boost and ETF Momentum

XRP Rises 3% on SBI Lending Boost and ETF Momentum

According to recent market updates, XRP ETF approval is once again stealing the spotlight. Ripple’s token has climbed to $3.04, holding steady above the $3 line after a burst of institutional buying. SBI Holdings’ expansion of XRP lending in Japan and the looming SEC ETF deadline are now the twin engines driving speculation. Traders want to know if this setup can carry XRP beyond its resistance levels. Institutional Lending Gives XRP A Boost SBI Holdings’ announcement that it will broaden its institutional XRP lending services is a significant step. In Japan, this type of corporate involvement signals a deeper adoption and a willingness from major players to embrace digital assets. Analysts in Asia note that such lending programs enhance liquidity and boost confidence in markets that previously relied heavily on retail flows. As one market report noted, institutional lending “adds a new floor for XRP’s credibility.” Also Read: XRP ETF Approval Odds Surge as Experts Warn of Underestimated Demand The Countdown To ETF Verdicts The storm is in the U.S., where XRP ETF approval faces review. Seven applications await SEC rulings on October 18, a date seen as a make-or-break moment. Prediction markets yield approval odds above 99%, demonstrating exceptional confidence. XRP ETF news highlights that even a single approval could unleash fresh capital, with analysts noting that ETFs “open the door for retirement accounts and institutions that can’t hold tokens directly.” Price Action: Holding The Line Over the last 24 hours, XRP has traded within a narrow corridor between $2.95 and $3.10, with the current quote at $3.04. An intense burst of 212 million tokens exchanged hands during a late rally, more than double the daily average. That surge pushed XRP to test $3.10, but resistance held firm. For now, the token is consolidating between $3.00 and $3.05, a sign that accumulation is underway. Support has been defended repeatedly at $2.99. Traders are waiting for a clean close above $3.10, which could signal the start of the next leg toward $3.20. Without XRP ETF approval, that breakout may stall. Source: Coinmarketcap Technical Signals In Focus Support sits at $2.99 while resistance hardens at $3.10. The band of consolidation above $3 is encouraging, suggesting professional buyers are preparing for the next move. Volume spikes validate institutional interest, but conviction still hinges on a breakout. With XRP ETF news dominating headlines, technical traders keep their eyes glued to October’s calendar. What Traders Are Watching Can XRP hold steady closes above $3.00? Will institutional flows shift ahead of the SEC’s ETF deadlines? How will SBI’s lending expansion affect Asian liquidity? Does the CD20 index confirm the strength led by Ripple’s rally? Conclusion Based on the latest research, XRP ETF approval could spark a shift in Ripple’s outlook. SBI’s lending adds fuel, while ETF anticipation builds pressure. XRP now stands at a crossroads. Traders often “buy the rumor and sell the news,” but this rumor carries weight. October 18 may determine whether XRP breaks resistance and marks the beginning of a new chapter in its long journey. Read More: XRP ETF Approval Could Be Weeks Away: Analysts Eye Fall 2025 Summary XRP trades near $3.04, holding above $3 with support at $2.99 and resistance at $3.10. The rally is driven by SBI Holdings’ expansion of institutional lending in Japan and the countdown to SEC decisions on seven ETF applications, due on October 18. With markets pricing XRP ETF approval odds above 99%, traders see October as a turning point. The outcome could unlock new flows and reshape Ripple’s long-term path. Glossary of Key Terms ETF: Exchange-Traded Fund, a regulated product that tracks assets. Liquidity: The ability to buy or sell an asset quickly without sharp moves. Support/Resistance: Price levels where buyers or sellers usually step in. Market Consolidation: A period when prices trade within a narrow range, showing a balance between buyers and sellers before the next big move. FAQs About XRP ETF Approval Q: When is the SEC’s first decision on XRP ETFs? A: October 18, 2025. Q: Why is SBI’s role important? A: Its lending expansion in Japan adds credibility and liquidity for XRP. Q: What price range is XRP trading in now? A: Between $2.95 and $3.10, with resistance at $3.10 and support near $2.99. Q: How can ETF approval change things? A: It could bring new inflows from funds and accounts restricted to regulated products. Read More: XRP Rises 3% on SBI Lending Boost and ETF Momentum">XRP Rises 3% on SBI Lending Boost and ETF Momentum

Author: Coinstats

2025/10/03

Cronos Teams Up With Morpho and Crypto.com to Power New DeFi Lending Markets

Cronos Teams Up With Morpho and Crypto.com to Power New DeFi Lending Markets

The partnership will introduce lending and borrowing markets on Cronos, starting with stablecoin vaults backed by wrapped assets such as […] The post Cronos Teams Up With Morpho and Crypto.com to Power New DeFi Lending Markets appeared first on Coindoo.

Author: Coindoo

2025/10/03

What Wealth Managers Should Know About the Resurgence of the Institutional Loan Market

What Wealth Managers Should Know About the Resurgence of the Institutional Loan Market

The post What Wealth Managers Should Know About the Resurgence of the Institutional Loan Market appeared on BitcoinEthereumNews.com. Happy Uptoper! In today’s “Crypto for Advisors” newsletter, Gregory Mall, chief investment officer at Lionsoul Global, explains the evolution of bitcoin-backed lending in both decentralized and centralized financial systems. Then, Lynn Nguyen, CEO of Saros, answers questions about tokenized stocks in “Ask an Expert.” Thank you to our sponsor of this week’s newsletter, Grayscale. For financial advisors near San Francisco, Grayscale is hosting an exclusive event, Crypto Connect, on Thursday, October 9. Learn more. – Sarah Morton Crypto as Collateral: What Wealth Managers Should Know About the Resurgence of the Institutional Loan Market Lending and borrowing have long been central to financial markets — and crypto is no exception. In fact, collateralized lending emerged in the digital asset space well before Decentralized Finance (DeFi) protocols gained prominence. The practice itself has deep historical roots: Lombard lending — using financial instruments as collateral for loans — dates back to medieval Europe, when Lombard merchants became renowned across the continent for extending credit secured by movable goods, precious metals, and eventually securities. By comparison, it has taken only a short time for this centuries-old model to conquer digital asset markets. One reason lending against crypto collateral is so compelling is the unique liquidity profile of the asset class: top coins can be sold 24/7/365 in deep markets. The speculative nature of crypto also drives demand for leverage, while in some jurisdictions Lombard-style loans offer tax advantages by enabling liquidity generation without triggering taxable disposals. Another important use case is the behavior of bitcoin maximalists, who are often deeply attached to their BTC holdings and reluctant to reduce their overall stack. These long-term holders typically prefer borrowing at low loan-to-value ratios, with the expectation that bitcoin’s price will appreciate over time. The History of the Collateralized Lending Market The first informal bitcoin lenders appeared…

Author: BitcoinEthereumNews

2025/10/03

Uphold CEO Simon McLoughlin on Bitcoin, Regulation, and the Road to IPO

Uphold CEO Simon McLoughlin on Bitcoin, Regulation, and the Road to IPO

The post Uphold CEO Simon McLoughlin on Bitcoin, Regulation, and the Road to IPO appeared on BitcoinEthereumNews.com. Initially known as a platform for instant multi-asset trading, Uphold has grown into a provider of infrastructure for on-chain payments, banking, and investments. Behind this growth is CEO Simon McLoughlin, who spent two decades in financial services before joining the company in 2017. In a recent podcast episode, BeInCrypto sat down with McLoughlin to discuss Bitcoin, regulatory clarity in 2025, and Uphold’s future plans, including its IPO in the US market. The conversation began with McLoughlin sharing his entry into crypto, which stemmed from his frustrations with cross-border money transfers during his years in traditional finance. Moving funds between his UK and US accounts was slow, costly, and unreliable. “That’s when I got really interested in Bitcoin and the ability to move money globally, quickly, and seamlessly just resonated with me,” he recalled. However, McLoughlin sees that Bitcoin represents more than a payment tool. He called it “a revolution in computer science” that solved problems researchers had been working on for decades. One of the biggest was the double spend problem. It refers to how easily digital files, including money, can be copied. “Bitcoin brought a bunch of technologies together that mean that a group of strangers anywhere in the world can agree on a transaction history without trust. And that is just an extraordinary technical achievement,” he added. He also described Bitcoin as digital gold and argued it is one of the best savings technologies ever invented. In his view, Bitcoin will fuel a generational wealth transfer as digital natives come to see it in the same way his generation regarded gold. At the same time, he emphasized its role in broadening access to finance, calling it a transformational technology that enables people around the world to use financial services without intermediaries. When Regulation and Support Turned into Industry…

Author: BitcoinEthereumNews

2025/10/03

Sharps Solana Buyback Signals New Era for Corporate Treasuries

Sharps Solana Buyback Signals New Era for Corporate Treasuries

Sharps solana buyback has emerged as a focal corporate move that could reshape how projects manage a Solana treasury.

Author: The Cryptonomist

2025/10/03

Stemming vs. Lemmatization: What Healthcare Text Data Taught Me About NLP Choices

Stemming vs. Lemmatization: What Healthcare Text Data Taught Me About NLP Choices

Natural Language Processing (NLP) is used to analyse healthcare data. But how should we represent words to machines? Do we chop words down to their rough stems, or reduce them to linguistically valid forms through lemmatization? To explore this trade-off, I ran a focused experiment comparing stemming and lemm atization on healthcare text data.

Author: Hackernoon

2025/10/03

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