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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.

14527 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Fed Governor Stephen Miran pushes case for central bank to slash key interest rate

Fed Governor Stephen Miran pushes case for central bank to slash key interest rate

The post Fed Governor Stephen Miran pushes case for central bank to slash key interest rate appeared on BitcoinEthereumNews.com. Stephen Miran, chairman of the Council of Economic Advisers, following a television interview outside the White House in Washington, DC, US, on Tuesday, June 17, 2025. Aaron Schwartz | Bloomberg | Getty Images Less than a week after taking his seat, Federal Reserve Governor Stephen Miran on Monday outlined the reasons why he thinks the central bank’s benchmark interest rate is far too high and should be lowered aggressively. Changes in tax and immigration policy along with easing rental costs, deregulation and incoming revenue for tariffs are creating a different economic landscape that allow the Fed to cut its benchmark rate by nearly 2 percentage points from its current level, the central banker said in remarks before the Economic Club of New York. “The Federal Reserve has been entrusted with the important goal of promoting price stability for the good of all American households and businesses, and I am committed to bringing inflation sustainably back to 2 percent,” he said. “However, leaving policy restrictive by such a large degree brings significant risks for the Fed’s employment mandate.” Miran sees the confluence of policy changes from the White House lowering the neutral level of interest that neither restricts nor promotes growth. In remarks heavy with data and citations on theory and interest rate models such as the Taylor Rule, Miran said current monetary policy is significantly more restrictive than the prevailing attitude among his fellow policymakers. Using standard policy rules, Miran thinks the federal funds rate, a level that banks charge each other for overnight lending but that influences a wide variety of other rates, should be in the low-2% area. The current funds rate following last week’s reduction is targeted between 4%-4.25%. “The upshot is that monetary policy is well into restrictive territory,” he said. “Leaving short-term interest rates roughly…

Author: BitcoinEthereumNews

2025/09/23

Ripple advances institutional DeFi with lending and privacy tools

Ripple advances institutional DeFi with lending and privacy tools

The post Ripple advances institutional DeFi with lending and privacy tools appeared on BitcoinEthereumNews.com. The XRP Ledger (XRPL) is accelerating its institutional finance strategy, introducing a slate of compliance and credit tools while preparing to launch a native lending protocol later this year. Ripple confirmed the developments in a roadmap update, published Monday. Three compliance features — Credentials, Deep Freeze, and Simulate — are now live. Credentials, tied to decentralized identifiers (DIDs), allow issuers to verify user attributes such as KYC or accreditation. Deep Freeze enables issuers to halt transfers from sanctioned accounts, while Simulate lets developers test transactions without committing them to the ledger. Together, these tools expand XRPL’s compliance toolkit for regulated institutions. The upcoming lending protocol, defined in the XLS-65 and XLS-66 specifications, will introduce pooled lending and underwritten credit directly at the protocol level. Institutions will be able to source low-cost, compliant loans while smaller investors gain access to yield opportunities. Looking further ahead, the XRPL community is developing zero-knowledge proofs (ZKPs) to balance privacy and regulatory accountability. Confidential multi-purpose tokens (MPTs), expected in early 2026, will allow collateral management without exposing sensitive transaction data. The roadmap signals Ripple’s intent to position XRPL as a leading chain for institutional finance, combining compliance, programmability, and privacy. As validator voting continues and Version 3.0 approaches, institutional adoption will hinge on the network’s ability to scale securely while meeting regulatory demands. This is a developing story. This article was generated with the assistance of AI and reviewed by editor Jeffrey Albus before publication. Get the news in your inbox. Explore Blockworks newsletters: Source: https://blockworks.co/news/ripple-lending-privacy-tools

Author: BitcoinEthereumNews

2025/09/23

APX Holder Turns $226K Into $7M—Why Early Crypto Bets Still Create Massive Fortunes

APX Holder Turns $226K Into $7M—Why Early Crypto Bets Still Create Massive Fortunes

In crypto, fortunes are made not by following the crowd, but by moving before the world catches on. This truth was reinforced again when an APX investor who put in about $226,000 back in 2022 saw their holdings surge to more than $7 million during the recent ASTER swap rally. The story shows how powerful [...] The post APX Holder Turns $226K Into $7M—Why Early Crypto Bets Still Create Massive Fortunes appeared first on Blockonomi.

Author: Blockonomi

2025/09/23

RippleX Unveils New XRPL DeFi Roadmap to Attract Institutional Capital

RippleX Unveils New XRPL DeFi Roadmap to Attract Institutional Capital

TLDR RippleX has revealed a new phase of its XRPL DeFi roadmap focusing on compliance, lending, and privacy features. The introduction of compliance tools like Credentials and Deep Freeze aims to attract regulated institutional investors to XRPL. A native lending protocol will launch with XRPL Version 3.0.0, providing a compliant credit market for institutional participants. [...] The post RippleX Unveils New XRPL DeFi Roadmap to Attract Institutional Capital appeared first on CoinCentral.

Author: Coincentral

2025/09/22

XRP’s DeFi Utility Expands With Launch of Liquid Staking Token ‘mXRP’

XRP’s DeFi Utility Expands With Launch of Liquid Staking Token ‘mXRP’

The post XRP’s DeFi Utility Expands With Launch of Liquid Staking Token ‘mXRP’ appeared on BitcoinEthereumNews.com. Tokenization platform Midas has partnered with Interop Labs and Axelar to launch the liquid staking token ‘mXRP’, which expands XRP’s DeFi utility and offers token holders yields of up to 8%. This development follows the launch of the first XRP-backed stablecoin, which has also helped boost the altcoin’s utility. mXRP Launches on Axelar, Boosting XRP’s Utility In a press release, Midas announced the launch of the liquid staking token on Axelar, which it described as a first-of-its-kind tokenized exposure product “offering meaningful, XRP-denominated yield strategies.” The tokenization platform revealed that they issued mXRP token on the new XRPL EVM through audited smart contracts. As CoinGape reported earlier, the XRP Ledger EVM sidechain is connected to the XRPL through an Axelar Bridge. Midas will provide the structuring and infrastructure behind the liquid staking token. Meanwhile, Axelar helps bridge the XRP asset into the protocol. The network will also enable the tokenization of this XRP product across over 80 blockchains, which Midas noted makes it the ideal platform to broaden access to this token. The mXRP launch follows the launch of the first XRP-backed stablecoin, which has also helped to boost the altcoin’s use case in the DeFi space. As to how this XRP product will work, Midas stated that by minting the product, users will deposit XRP collateral into a tokenized certificate structure that tracks the performance of underlying on-chain and off-chain yield strategies. Hyperithm will help provide risk curation services for the liquid staking token at launch. Meanwhile, the tokenization platform noted that they have fully integrated the token within the XRPL EVM ecosystem and that users can deploy it across DeFi protocols to access other opportunities, including lending markets and native integrations. Midas stated that the targeted net return range for the mXRP token is currently between 6% 8%…

Author: BitcoinEthereumNews

2025/09/22

DeFi Lending Rules Examined by SEC Task Force in Crypto Meeting

DeFi Lending Rules Examined by SEC Task Force in Crypto Meeting

TLDR The SEC Crypto Task Force met with DeFi firm Term Finance to discuss regulatory challenges surrounding DeFi lending rules. Term Finance explained its model of short-term, fixed-rate lending using overcollateralized crypto assets in tri-party repurchase structures. The SEC examined the Reves and Howey tests to assess whether Term Finance’s loans and tokens could be [...] The post DeFi Lending Rules Examined by SEC Task Force in Crypto Meeting appeared first on CoinCentral.

Author: Coincentral

2025/09/22

Cardano (ADA) vs Mutuum Finance (MUTM): Which Of These Altcoins Will Hit $3 First?

Cardano (ADA) vs Mutuum Finance (MUTM): Which Of These Altcoins Will Hit $3 First?

Cardano (ADA) has developed a robust reputation over time as one of the leading proof-of-stake networks, with steady ecosystem growth and ongoing development. Even with its development, however, ADA price action has generally been sedate, with large-cap status limiting explosive potential. Conversely, Mutuum Finance (MUTM) is still in presale for $0.035 and gathering momentum with […]

Author: Cryptopolitan

2025/09/22

Analysts Tip Bitcoin Hyper for 100x Gains as Whale Investments Surge

Analysts Tip Bitcoin Hyper for 100x Gains as Whale Investments Surge

The cryptocurrency market is facing a broad downturn, with market capitalization down nearly 4% and most major assets, including popular meme coins, trading in the red. Despite this weakness, analysts are tipping Bitcoin Hyper as a potential 100x presale opportunity, drawing attention from both retail and institutional investors. Strong whale activity has already been recorded, […]

Author: The Cryptonomist

2025/09/22

Understanding Mutuum Finance’s Value

Understanding Mutuum Finance’s Value

Mutuum Finance (MUTM) is currently progressing through its 11-phase presale. Phase 6 is live, and investors are rushing to secure tokens before the next price jump. The project has already raised $16,150,000 since launch and attracted 16,470 holders. Investors are treating MUTM as one of the best cryptos to buy now for exposure to lending markets.

Author: Hackernoon

2025/09/22

Crypto.com Capital bets on Moonlander: shake-up for Cronos derivatives

Crypto.com Capital bets on Moonlander: shake-up for Cronos derivatives

Strategic move: Crypto.com Capital invests in Moonlander to accelerate the development of derivatives on the Cronos network.

Author: The Cryptonomist

2025/09/22

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