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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.

14546 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Building the Future of Unified DeFi

Building the Future of Unified DeFi

The post Building the Future of Unified DeFi appeared on BitcoinEthereumNews.com. Decentralized finance (DeFi) has grown rapidly over the past few years. Billions of dollars move through lending apps, staking pools, and payment platforms every single day. Yet one big challenge remains: fragmentation. Users are forced to juggle multiple apps, wallets, and fees just to manage basic financial tasks. JamFi aims to solve that problem with a unified DeFi ecosystem — and today marks a major milestone. The $JAMI token presale has officially started. What is JamFi? JamFi is designed as a global DeFi platform where everything comes together in one place: Lending Staking Cross-border payments Liquidity pools JamFi physical cards DAO governance Instead of switching between five different protocols, JamFi users can manage all their financial activity through a single account and one token at the center: $JAMI. Presale Details The $JAMI presale is now live with clear, simple terms: Phase 1 Price: $0.02 per token Available Supply: 40M $JAMI in this phase Next Phase Price: $0.04 — early buyers gain a direct advantage Referral Bonus: Invite friends and earn +10% $JAMI Joining is simple: 1️⃣ Go to jamii.finance 2️⃣ Click Open App / Connect Wallet 3️⃣ Choose your payment token 4️⃣ Enter the amount → Buy $JAMI Why $JAMI Matters $JAMI isn’t just another token. It’s the backbone of the JamFi ecosystem, with real, built-in utility: Fee Discounts: Reduce platform fees by up to 70% APY Boosts: Earn higher yields when staking DAO Governance: Vote on key protocol parameters Revenue Share: 40% of JamFi income goes to buybacks and rewards for stakers Fixed Supply: Only 1 billion tokens will ever exist This model ties token value directly to platform growth, not speculation. As more people use JamFi, the more valuable $JAMI becomes. Why Now? The timing couldn’t be better. Global remittances already exceed $900B annually, and DeFi is reaching…

Author: BitcoinEthereumNews

2025/09/25

Australia’s First Solana Digital Asset Treasury: Will Snorter Token Be Next 1000x Crypto?

Australia’s First Solana Digital Asset Treasury: Will Snorter Token Be Next 1000x Crypto?

The fitness industry loves transformation stories, but Australian firm Fitell Corporation set a high bar with its own makeover. The company recently announced a major pivot: the establishment of Australia’s first Solana-based digital asset treasury. To support this strategy, Fitell secured up to $100M via a convertible financing facility, with $10M immediately committed to acquiring $SOL tokens. All this institutional attention to Solana is bound to shake the $SOL ecosystem (in a good way), and best altcoins like Snorter Token ($SNORT) could be the next 1000x crypto in the upcoming cycle. Active Yield via DeFi Innovation Fitell’s new treasury fits in with the rapidly-evolving DAT approach, designed not simply as a passive token holding but as an active, yield-oriented engine. It’s one of the reasons that $SOL treasuries have been growing rapidly over the past months, even while Bitcoin treasuries dominate the discussion. Rather than relying solely on staking, the company plans to deploy its $SOL holdings across a diversified portfolio of DeFi and derivatives strategies – including options, liquidity provisioning, structured yield products, and so-called snowball instruments – all with built-in risk management. Any returns generated will be reinvested into the treasury, compounding the firm’s $SOL exposure over time. The idea isn’t just to buy and hold $SOL, but to create an in-house yield generation machine, powered by Solana. To guide the makeover, Fitell enlisted industry veterans David Swaney and Cailen Sullivan. The assets will be custodied with BitGo Trust Company. From ‘Fitell’ to ‘Solana Australia Corporation’ Fitell intends to rename itself ‘Solana Australia Corporation,’ signaling its transformation from fitness retailer to digital asset treasury company. The new company plans to pursue a dual listing on the Australian Securities Exchange (ASX), opening the door for regional investors to directly access its Solana exposure. With aspirations to become the largest publicly listed $SOL holder in Australia and the broader Asia Pacific region, Fitell’s move reflects the increasing adoption of Digital Asset Treasury strategies (DATs) in the crypto space. The pivot brings its own risks. By shifting from its core fitness business into crypto, Fitell exposes itself to the full brunt of crypto’s notorious volatility. Its stock price quickly reacted: shares surged following the announcement before pulling back amidst volatility. Still, Fitell’s deliberative strategy may yet pay off. By reinvesting yield and operating within a structured DeFi framework, the company is making a reasoned bet that a disciplined, active approach to digital assets can outperform passive staking. It’s worth noting the Solana itself has had a wildly up-and-down year but remains 47% ahead of where it began a year ago. That strength and resilience is a good sign for new and established Solana projects, including meme coin trading bot Snorter Bot. Snorter Token ($SNORT) – The Faster, Cheaper, Better Crypto Trading Bot Don’t waste time looking for the best Solana meme coins. Instead, get Snorter Bot to find them for you. The bot is custom-built to sniff out low-cap coins on Telegram, where tokens launch, make incredible gains, and vanish, completely un-heard of. Powered by the Snorter Token ($SNORT), the bot hunts out those underground opportunities and gives traders everything they need to win big. And with lower fees and more advanced tools, Snorter Bot beats out the competition. The $SNORT token unlocks the lowest-possible fees with the bot. All commands are native on the Telegram interface. The $SNORT presale just powered past $4M as investors realize more about what $SNORT is and just how big Snorter Bot could be. Learn how to buy $SNORT and visit the Snorter Token presale page for more information. With the newly-minted Solana Australia Corporation expanding its $SOL holdings, the strength of the broader ecosystem looks firmly established, at least for the near future. If Solana continues to perform well, Fitell’s move may herald a new era in corporate treasuries. It could offer a fresh paradigm in how non-crypto companies manage capital, blending traditional businesses with on-chain yield strategies. And for retail investors, there’s ways to gain exposure to Solana through Fitell itself – or through hot crypto presales like Snorter Token. Authored by Aaron Walker for NewsBTC – https://www.newsbtc.com/news/first-australian-sol-treasury-plans-100m-buy-snorter-token-next-1000x-crypto

Author: NewsBTC

2025/09/25

Flare debuts FXRP, unlocking new utility for XRP in DeFi

Flare debuts FXRP, unlocking new utility for XRP in DeFi

Flare has activated FXRP on its mainnet, allowing XRP to be wrapped and deployed across decentralized finance protocols.

Author: Crypto.news

2025/09/25

XRP Price Prediction 2025: Ripple Holders Are Betting Big on This $0.035 Altcoin Said to be the Next Big Crypto

XRP Price Prediction 2025: Ripple Holders Are Betting Big on This $0.035 Altcoin Said to be the Next Big Crypto

Ripple (XRP) continues to be an interest in 2025 as investors monitor its value and consistent uptake in cross-border payments. While XRP offers predictability as a matured altcoin, the majority of investors are leaning towards it for higher-growth potential.  Mutuum Finance (MUTM) at just $0.035 in presale has become the focal point for those seeking […]

Author: Cryptopolitan

2025/09/25

Flare Launches FXRP to Unlock XRP’s DeFi Potential

Flare Launches FXRP to Unlock XRP’s DeFi Potential

TLDR FXRP launches, bridging XRP with DeFi for seamless decentralized finance. FXRP empowers XRP holders to participate in DeFi with rewards and liquidity pools. Flare’s FXRP transforms XRP for DeFi, offering collateral and rewards. FXRP integrates XRP into DeFi, unlocking lending, liquidity, and staking opportunities. Flare’s FXRP: Securely mint XRP for DeFi with high rewards [...] The post Flare Launches FXRP to Unlock XRP’s DeFi Potential appeared first on CoinCentral.

Author: Coincentral

2025/09/24

Dogecoin (DOGE) Rose Over 10,000% in 2021, Could This $0.035 Crypto Beat That?

Dogecoin (DOGE) Rose Over 10,000% in 2021, Could This $0.035 Crypto Beat That?

Dogecoin (DOGE) enjoyed a record-breaking 10,000% gain in 2021 that went to the hearts of retail traders and meme enthusiasts alike. However, such parabolic rises are driven by speculative mania and are difficult to follow. Rather, Mutuum Finance (MUTM) is making its way through its utility-oriented approach. At presale stage 6 at $0.035, MUTM is […]

Author: Cryptopolitan

2025/09/24

Ford offers special financing to F-150 buyers with lower credit scores

Ford offers special financing to F-150 buyers with lower credit scores

The post Ford offers special financing to F-150 buyers with lower credit scores appeared on BitcoinEthereumNews.com. Ford-150 pickup trucks are displayed for sale at a dealership on March 24, 2025 in Austin, Texas.  Brandon Bell | Getty Images DETROIT — Ford Motor is trying to boost sales of its crucial F-150 pickup truck before the end of the third quarter by offering special financing to consumers with less-than-perfect credit ratings. The move includes offering consumers with subprime credit — those with a FICO score below 620 — lower interest rates that are typically offered to those with quality scores, the automaker’s Ford Credit financial arm confirmed Wednesday. Such promotions aren’t unprecedented and are an effort to make vehicles more affordable for more buyers and decrease inventory levels. But borrowers with lower credit scores are considered more likely to default or miss payments, especially during an economic downturn. In addition to pickup trucks being crucial vehicles for the balance sheets of Detroit automakers such as Ford, their sales are closely watched as a sign of demand for skilled labor and small businesses. A Ford Credit spokeswoman said the promotional rates do not factor into the organization’s actual “credit decisions” for consumers. She added that the specific rate will vary based on the terms of the agreement. The Wall Street Journal, which first reported the program, said Ford uses a proprietary scoring model to assess a borrower’s creditworthiness that goes beyond a FICO credit score. “We only finance customers we believe are creditworthy and have the capacity to pay. We have done these types of national programs in the past, extending a promotional rate to customers who meet our credit criteria,” Ford Credit said in an emailed statement to CNBC. The average new auto loan rate was about 9% as of the most recent data from July, according to Cox Automotive’s Dealertrack. That included rates of around 18%…

Author: BitcoinEthereumNews

2025/09/24

XRP enters DeFi as Flare launches FXRP on Mainnet

XRP enters DeFi as Flare launches FXRP on Mainnet

The post XRP enters DeFi as Flare launches FXRP on Mainnet appeared on BitcoinEthereumNews.com. Flare has launched FAssets on its mainnet, beginning with FXRP v1.2, enabling XRP holders to use their tokens across decentralized finance (DeFi) applications.  The rollout marks the first time XRP can be minted into FXRP on Flare and deployed within DeFi protocols, including decentralized exchanges (DEXs), lending markets, stablecoin minting, and liquid staking. For over a decade, XRP has powered fast and efficient settlement at scale. FXRP on Flare extends that strength with composability, opening new growth opportunities: XRP as collateral, liquidity, and yield in DeFi. Mint today:https://t.co/1ovLRNisHZhttps://t.co/Kjsp3Okyrc pic.twitter.com/SRXZIzCZ3a — Flare ☀️ (@FlareNetworks) September 24, 2025 How FXRP works FAssets are Flare’s protocol for transforming non-smart contract cryptocurrencies like XRP into tokens usable in DeFi. Each FAsset is a one-to-one representation of the underlying asset, secured by an overcollateralized system of independent agents and Flare’s enshrined data protocols.  Once minted, FXRP is fully composable within the Flare ecosystem and can be integrated directly into protocols without additional workarounds. To ensure security, the FAssets framework has undergone at least four independent audits, including reviews from Zellic and Coinspect, alongside Immunefi-powered bug bounties and community assessments via Code4rena.  The system is also monitored around the clock by Hypernative, with rapid response measures in place. Acquiring FXRP Users can mint FXRP by acquiring XRP on the XRP Ledger, withdrawing to a self-custody wallet that supports Flare and XRPL, and using minting tools such as AU or Oracle Daemon. A cap of 5 million FXRP will apply during the first week, gradually increasing over time. FXRP can also be acquired via decentralized exchanges, including SparkDEX, BlazeSwap, and Enosys, or through wallets such as Luminite and Oxen Flow, which support built-in swaps and bridging functionality. Incentives at launch To encourage adoption, Flare will distribute incentives in the form of rFLR to liquidity pools that contribute…

Author: BitcoinEthereumNews

2025/09/24

Unleash Potential: Flare Network’s FXRP Revolutionizes DeFi Access for XRP

Unleash Potential: Flare Network’s FXRP Revolutionizes DeFi Access for XRP

BitcoinWorld Unleash Potential: Flare Network’s FXRP Revolutionizes DeFi Access for XRP The world of decentralized finance (DeFi) is constantly evolving, and a major new development is set to excite XRP enthusiasts. Flare Network has just launched FXRP, an innovative solution designed to bring XRP directly into the heart of DeFi applications. This move opens up a wealth of new possibilities for XRP holders, allowing them to engage with lending, borrowing, and trading platforms like never before. It’s a significant step towards a more interconnected crypto ecosystem. What is FXRP and Why is it a Game-Changer for XRP? At its core, FXRP is an over-collateralized, wrapped version of XRP. Think of it as a digital twin of XRP, but one that lives on the Flare Network. This design is crucial because XRP itself doesn’t natively support smart contracts in the same way that Ethereum or other DeFi-centric blockchains do. Consequently, XRP has largely been excluded from the burgeoning DeFi sector. However, FXRP changes this narrative completely. By wrapping XRP, Flare Network creates a token that can interact with smart contracts on its own blockchain. This means XRP holders can now: Access a wider range of DeFi protocols. Participate in decentralized lending and borrowing. Engage in yield farming opportunities. Trade their XRP on decentralized exchanges. This initiative transforms XRP from a primarily transactional asset into a more versatile, programmable one within the DeFi landscape. How Can You Acquire and Utilize FXRP? Getting your hands on FXRP is straightforward, offering flexibility for users. You have two primary methods to acquire this wrapped token. First, users can mint FXRP directly on the Flare Network. This process typically involves locking up an equivalent amount of XRP as collateral, ensuring the wrapped token remains fully backed. Alternatively, if direct minting isn’t your preference, you can acquire FXRP on various decentralized exchanges (DEXs). Platforms like SparkDEX, BlazeSwap, and Enosys are among the initial venues where you can trade for FXRP. This accessibility makes it easy for existing DeFi users and new participants alike to join the Flare Network ecosystem and explore its offerings. The over-collateralization aspect adds an extra layer of security, providing confidence in the token’s backing. Expanding DeFi Horizons: The Broader Impact of FXRP The introduction of FXRP extends far beyond just enabling XRP holders to participate in DeFi. It has a much broader impact on the entire decentralized finance ecosystem. By integrating a widely adopted asset like XRP, Flare Network significantly boosts the total value locked (TVL) and liquidity available within DeFi. This influx of capital and users can lead to more robust and efficient markets. Moreover, FXRP positions Flare Network as a vital bridge between different blockchain ecosystems. It demonstrates how assets from one chain can gain new functionality and utility on another, fostering greater interoperability. This cross-chain capability is essential for the long-term growth and sustainability of decentralized finance, as it breaks down silos and encourages a more unified digital economy. The potential for future integrations with other tokens and protocols is immense, further solidifying Flare’s role. Navigating the Challenges and Future of FXRP While the launch of FXRP presents exciting opportunities, it’s also important to consider potential challenges. As with any new technology in the crypto space, security remains a paramount concern. The integrity of the wrapping mechanism and the underlying smart contracts must be rigorously maintained. Furthermore, user adoption and education will be key to the success of FXRP. New users need clear guidance on how to safely mint, acquire, and use the token in various DeFi applications. The competitive landscape also plays a role; other wrapped assets exist, and FXRP must demonstrate its unique value proposition. However, with its strong backing and the innovative approach of Flare Network, FXRP is well-positioned for growth. Its ability to unlock XRP’s potential for DeFi is a powerful differentiator, promising a vibrant future for both the token and the network. Actionable Insights: Getting Started with FXRP in DeFi If you’re an XRP holder looking to explore the new opportunities presented by FXRP, here are some actionable insights to help you get started: Do Your Research: Before engaging with any DeFi platform, thoroughly research its reputation, security audits, and user reviews. Understand how FXRP interacts with specific protocols. Understand the Risks: DeFi carries inherent risks, including smart contract vulnerabilities, impermanent loss, and market volatility. Familiarize yourself with these risks before committing funds. Start Small: Consider starting with a small amount of FXRP to familiarize yourself with the process of minting, acquiring, and using it in DeFi applications. Stay Informed: Follow official Flare Network channels and reputable crypto news sources to stay updated on new integrations, security announcements, and community developments related to FXRP. By taking these steps, you can confidently navigate the exciting new world that FXRP opens up for XRP within decentralized finance. In conclusion, the launch of FXRP by Flare Network is a monumental step forward for the XRP community and the broader DeFi ecosystem. It effectively bridges a gap, allowing one of the most widely held cryptocurrencies to participate actively in decentralized finance. This innovation not only expands the utility of XRP but also reinforces Flare Network’s commitment to building a more interconnected and functional blockchain world. As FXRP gains traction, we can expect to see a surge in innovative DeFi applications and a more vibrant, inclusive financial landscape for all. Frequently Asked Questions (FAQs) Q1: What exactly is FXRP? A1: FXRP is an over-collateralized, wrapped version of XRP, specifically designed to enable XRP holders to use their assets within decentralized finance (DeFi) applications on the Flare Network. Q2: How is FXRP different from standard XRP? A2: While FXRP is backed by XRP, its key difference is that it resides on the Flare Network and is compatible with smart contracts. This allows it to be used in DeFi protocols for lending, borrowing, and trading, which standard XRP cannot do natively. Q3: Where can I acquire FXRP? A3: You can acquire FXRP by minting it directly on the Flare Network by locking up XRP, or by purchasing it on decentralized exchanges such as SparkDEX, BlazeSwap, and Enosys. Q4: What are the main benefits of using FXRP in DeFi? A4: The primary benefits include gaining access to a wide array of DeFi services like lending, borrowing, and trading on DEXs, thereby increasing the utility and potential earning opportunities for XRP holders within the decentralized ecosystem. Q5: What is Flare Network’s role in the creation of FXRP? A5: Flare Network is the blockchain platform that hosts FXRP. It provides the smart contract functionality and infrastructure necessary to wrap XRP and enable its use in DeFi applications, acting as a bridge for XRP into the decentralized world. If you found this article insightful and believe in the potential of FXRP to revolutionize DeFi, please share it with your network! Help spread the word about how Flare Network is bridging the gap for XRP holders and expanding the possibilities within decentralized finance. Your support helps grow our community and keeps everyone informed about the latest crypto innovations. To learn more about the latest crypto market trends, explore our article on key developments shaping decentralized finance institutional adoption. This post Unleash Potential: Flare Network’s FXRP Revolutionizes DeFi Access for XRP first appeared on BitcoinWorld.

Author: Coinstats

2025/09/24

Term Structure Labs Launches Institutional Fixed-Rate Digital Asset Lending/Borrowing Platform

Term Structure Labs Launches Institutional Fixed-Rate Digital Asset Lending/Borrowing Platform

BitcoinWorld Term Structure Labs Launches Institutional Fixed-Rate Digital Asset Lending/Borrowing Platform HONG KONG, Sept. 24, 2025 /PRNewswire/ — Today, Term Structure Labs Limited announced the launch of Term Structure Institutional (TSI), a platform that provides fixed-rate lending and borrowing infrastructure for digital assets to institutional clients, including hedge funds, asset managers, and qualified financial institutions. TSI combines Fireblocks Multi-Party Computation (MPC) wallet technology with an Electronic Communication Network (ECN) to enable predictable fixed-term financing. Dual Operating Modes The platform offers two environments for institutional clients: DeFi Mode: Anonymous trading with automated smart contract settlement, providing deep liquidity through centralized order matching and decentralized execution. Indication Mode: Bilateral transactions between pre-agreed institutional counterparties with customized terms and flexible settlement arrangements. Enterprise Security TSI implements Fireblocks’ 2-of-2 MPC signature scheme, ensuring distributed key management where no single party maintains unilateral asset control. This architecture meets institutional compliance and risk management requirements. Core capabilities include: Automated collateral monitoring and liquidation Multi-signature withdrawal controls Comprehensive audit trails Market Solution TSI addresses institutional challenges, including unpredictable funding in open-term markets, security concerns in decentralized protocols, and inefficient OTC price discovery. The platform provides transparent benchmarks and standardized terms required for institutional participation. “Financial institutions require a level of certainty comparable to traditional fixed-income infrastructure,” stated Jerry Li, CEO at Term Structure Labs Limited. “TSI delivers enterprise-grade controls necessary for institutional digital asset strategies.” The platform supports institutional transaction sizes with dedicated onboarding and integration support for qualified market participants. Qualified institutions can request access to TSI at https://ts.finance/term-structure-institutional  About Term Structure Labs Limited Term Structure Labs Limited develops and offers comprehensive fixed-rate leverage, lending, and borrowing solutions for digital assets. This post Term Structure Labs Launches Institutional Fixed-Rate Digital Asset Lending/Borrowing Platform first appeared on BitcoinWorld.

Author: Coinstats

2025/09/24

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