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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.

14066 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Ex-PBOC Chief Warns of Stablecoin Crisis – Run Risk Echoes TerraUSD’s 2022 Meltdown

Ex-PBOC Chief Warns of Stablecoin Crisis – Run Risk Echoes TerraUSD’s 2022 Meltdown

Key Takeaways: Zhou Xiaochuan warns that full-reserve stablecoins can still amplify systemic risk through leverage and trading channels. The Hong Kong and U.S. frameworks have begun addressing custody and issuance, but Zhou calls the current oversight insufficient. A new study suggests stablecoins face a one-in-three chance of collapse over the next decade due to crisis-induced arbitrage failures. Former People’s Bank of China Governor Zhou Xiaochuan warned that stablecoin issuers may pursue aggressive expansion without understanding the systemic risks involved, including amplification effects that go beyond stated reserves. In a speech delivered at the International Capital Market Association (ICMA) Annual Conference in Frankfurt and later compiled by the China Finance 40 Forum (CF40), Zhou said issuers often “lack sufficient self-discipline,” adding that stablecoins “generate a money-multiplier effect through their operation.” Over-Issuance and High Leverage He cautioned that even with full reserve backing, stablecoins can amplify risk through deposit-lending, collateralized financing, and asset trading. “The potential redemption pressure may be multiples of the initial reserves,” he said. Zhou also criticized inadequate reserve custody standards, citing Facebook’s early plans to self-custody Libra assets as an example of flawed design. He argued that reserves should be held by a central bank or a recognized custodian under central bank supervision. The Hong Kong Stablecoin Ordinance and the U.S. GENIUS Act address some of these concerns, but Zhou said regulatory gaps persist. He recommended compiling actual circulation data to estimate redemption risks, calling current oversight frameworks “far from sufficient.” He referenced Hong Kong’s note-issuing model, where banks post U.S. dollars with the Monetary Authority to issue local currency, noting that “M0 reserves alone cannot maintain stability under redemption pressure from M1 and M2.” Zhou urged regulators to develop more robust tools to track amplification channels and prevent misuse of stablecoins in leveraged or speculative activity. Run Risk Paradox of Stablecoin TerraUSD’s May 2022 collapse illustrates the mechanism Zhou flags: once the peg slipped, the mint–burn arbitrage with LUNA accelerated supply inflation and drained market liquidity, catalyzing a run. New York Fed researchers note that between May 1 and May 16, 2022, stablecoins’ market capitalization fell by $25.63 billion—evidence of amplification channels overwhelming reserves during stress. Recent analysis published by Investopedia paints a different picture, shifting attention from issuance mechanics to crisis-driven vulnerabilities in stablecoin design. Researchers identified a “run risk paradox,” where arbitrage mechanisms that support stablecoin pegs under normal conditions can accelerate collapse during market stress. They found that even with decentralized arbitrage, systemic fragility remains elevated—annualized risk estimates for stablecoins range from 3.3% to 3.9%, higher than FDIC-insured deposits. Over a decade, the study suggests there is roughly a one-in-three chance of a major stablecoin crisis. This perspective argues that stability tools like market arbitrage may themselves become sources of systemic strain, spotlighting potential design flaws in how stablecoin models handle extreme events, rather than just issuance controls or reserve policies. Frequently Asked Questions (FAQs) How can amplification risks affect non-issuers in the crypto ecosystem? Leverage and multiplier effects can extend beyond issuers to exchanges, traders, and DeFi platforms, potentially triggering broader liquidity disruptions if redemptions spike. Why is arbitrage seen as both a stabilizer and a risk factor? Under normal conditions, arbitrage helps maintain price pegs. In volatile markets, it can accelerate instability by enabling fast, large-volume exits that drain liquidity. Are regulators focusing too narrowly on issuance volume? Some researchers suggest that more attention should go to market design, redemption incentives, and arbitrage feedback loops, especially during volatility or cross-platform liquidity shifts.

Author: CryptoNews

2025/08/28

Solana and XRP Prices Retrace – Is Liquidity Flowing Into This New Viral Titan Tipped For 85x Growth?

Solana and XRP Prices Retrace – Is Liquidity Flowing Into This New Viral Titan Tipped For 85x Growth?

The post Solana and XRP Prices Retrace – Is Liquidity Flowing Into This New Viral Titan Tipped For 85x Growth? appeared on BitcoinEthereumNews.com. As the crypto market sees SOL and XRP price retrace from recent highs, a new contender, Layer Brett, is capturing significant investor attention with its live crypto presale and bold promise of 85x growth.  While established assets like Solana and XRP navigate market fluctuations, early backers are flocking to $LBRETT, an Ethereum Layer 2 memecoin that’s blending viral culture with real blockchain utility. This next big crypto offers a fresh narrative, positioning itself as a low-cap crypto gem with immense potential. After Solana and XRP Price Retrace: The Layer Brett Opportunity Recent market movements have seen a degree of retracement for major altcoins. The Solana price, despite a robust institutional surge and significant TVL growth, is experiencing a pullback from its all-time high. Similarly, XRP, deeply influenced by ongoing SEC litigation and new partnership announcements, faces increased price volatility.  This environment often prompts investors to seek out the next 100x altcoin, and Layer Brett is emerging as a top gainer crypto that could redefine the meme token space. Layer Brett is not just another memecoin; it’s a purpose-built Layer 2 solution on Ethereum. Unlike many traditional meme tokens like Shiba Inu or Pepe, which often lack utility and operate on slower chains, $LBRETT provides lightning-fast transactions and dramatically reduced gas fees.  This positions it uniquely in the DeFi space, promising scalability and efficiency that even major Layer 1s like Solana strive for. The project aims to offer a compelling alternative to investors looking beyond the current performance of Solana and XRP. How Layer Brett Rewards Early Buyers One of Layer Brett’s most attractive features is its early staking program. While the XRP price fluctuates, $LBRETT is offering an impressive APY ranging from 20,000% to 55,000% for early stakers.  This high-yield staking crypto is a significant draw, enabling participants to earn…

Author: BitcoinEthereumNews

2025/08/28

MetaMask Introduces Social Login for Wallet Creation with Google and Apple

MetaMask Introduces Social Login for Wallet Creation with Google and Apple

MetaMask, the widely used self-custodial crypto wallet developed by Consensys, has introduced a new feature allowing users to create and manage wallets using their Google or Apple accounts. The announcement, made in a company blog post this week, marks a notable step in blending Web2 accessibility with Web3 infrastructure. Related Reading: Bitcoin Long-Term Holders’ Realized […]

Author: Bitcoinist

2025/08/28

Bitcoin Hyper Presale Raises $12M as Smart Money Bets on New Era for Bitcoin Development

Bitcoin Hyper Presale Raises $12M as Smart Money Bets on New Era for Bitcoin Development

Enjoy the videos and music you love, upload original content, and share it all with friends, family, and the world on YouTube.

Author: Blockchainreporter

2025/08/28

Why Mutuum Finance (MUTM) Could Jump 12x, Outshining Ripple (XRP) in 2025

Why Mutuum Finance (MUTM) Could Jump 12x, Outshining Ripple (XRP) in 2025

The post Why Mutuum Finance (MUTM) Could Jump 12x, Outshining Ripple (XRP) in 2025 appeared on BitcoinEthereumNews.com. Mutuum Finance (MUTM) is generating unprecedented hype, projecting itself as a probable market disruptor in 2025. Mutuum Finance presale token price is $0.035 in phase 6. Experts say this new token can skyrocket with phenomenal profits in the coming few months. In phase 7, there will be an increase of 14.29% to $0.04. Mutuum Finance (MUTM) has already received more than $15 million in funding and has been supported by over 15,700 investors.  Whereas Ripple (XRP) stays firm in its solid market position in the payment sector, Mutuum Finance is grabbing attention with its rapid ecosystem development and strategic partnerships.  XRP Grinds at $3.04 Amid Market Watch Ripple (XRP) is priced at $3.04, down modestly by 0.33% from the previous close. The token has maintained price above the $3.00 level, with the intraday high and low at $3.12 and $2.99, respectively. Analysts are monitoring XRP’s action closely, as it is reported that piercing above the $3.11 resistance level could pave the way for a potential rally to $3.40.  Conversely, failure to hold at levels above the $3.00 mark will mean a retraction towards the region of $2.80. Institutional buying continues to be robust, with XRP shortlisted for addition into upcoming cryptocurrency ETFs, which will further steer its price direction. Though XRP continues to be a dominant player in crypto, newcomers like Mutuum Finance (MUTM) are commanding attention with their revolutionary tactics in the decentralized finance realm. Investors FOMO into Mutuum Finance (MUTM) Stage 6 Presale Mutuum Finance (MUTM) is priced at $0.035 in stage 6 of presale. More than $15 million has been raised and over 15700 early investors are buying tokens. Token value during Presale Stage 7 will be $0.04, a raise of 14.3% from Stage 6. Mutuum Finance (MUTM) has recently introduced its Official Bug Bounty Program with…

Author: BitcoinEthereumNews

2025/08/28

Aave’s new Horizon allows institutions to borrow stablecoins using real-world assets

Aave’s new Horizon allows institutions to borrow stablecoins using real-world assets

The platform facilitates stablecoin loans backed by institutional funds and tokenized Treasurys. Horizon bridges TradFi and DeFi with 24/7 institutional-level borrowing. AAVE gained 12% the previous week. Aave Labs has launched an advanced platform that enables institutions to borrow stablecoins using real-world assets (RWAs) like collateralized loan debts and US Treasury. The Horizon borrowing tool […] The post Aave’s new Horizon allows institutions to borrow stablecoins using real-world assets appeared first on CoinJournal.

Author: Coin Journal

2025/08/28

Pepe Price Forecast: $27 To $5 Million – Can History Repeat? Analysts Say Layer Brett Might Be The Next PEPE

Pepe Price Forecast: $27 To $5 Million – Can History Repeat? Analysts Say Layer Brett Might Be The Next PEPE

The post Pepe Price Forecast: $27 To $5 Million – Can History Repeat? Analysts Say Layer Brett Might Be The Next PEPE appeared on BitcoinEthereumNews.com. While the crypto market watches PEPE and its volatile Pepe price action, a new contender is rapidly capturing investor attention. Analysts are buzzing about Layer Brett, an innovative Ethereum Layer 2 project that many believe could be the next PEPE, delivering explosive gains reminiscent of the original meme coin’s early days.  This crypto presale is currently underway, positioning early backers for potentially massive returns by blending viral meme culture with significant blockchain utility. From PEPE Hype to Layer Brett’s Purposeful Growth The initial frenzy around PEPE demonstrated the incredible power of community-driven hype in the meme coin space. However, as the Pepe price consolidates, investors are looking for projects with more sustainable growth potential. Layer Brett stands out as the next big crypto by building on Layer 2 Ethereum, offering a substantive alternative to traditional meme tokens like Shiba Inu or Bonk. This is not just another meme coin; it’s a Layer 2 crypto with purpose. Scalability and Speed: Why Layer Brett Stands Out Layer Brett makes it easy to avoid the high gas fees and constant slowdowns on Ethereum Layer 1. Built as a Layer 2 solution, it processes transactions in seconds and keeps costs down to just a few cents, instead of the $10–$20 you’d normally pay when the network gets busy. This scalability positions Layer Brett strategically within the rapidly growing Ethereum Layer 2 ecosystem, which is projected to process over $10 trillion annually by 2027. Unlike pure meme tokens like Pepe coin, Layer Brett is engineered for performance, scale, and user rewards, making it a compelling altcoin. 25,000% APY Makes Layer Brett’s Presale a Must-Watch The Layer Brett crypto presale is a golden opportunity for early adopters. Currently priced at $0.005 per LBRETT, participants can secure tokens at an early-entry valuation. Beyond just holding, Layer Brett…

Author: BitcoinEthereumNews

2025/08/28

Missed early memecoins? investors see this token as a 2025 second chance

Missed early memecoins? investors see this token as a 2025 second chance

As SHIB slows, investors eye Little Pepe as 2025’s fresh Dogecoin and Shiba-style breakout. #partnercontent

Author: Crypto.news

2025/08/28

Top Cryptocurrencies for 2025:  Why Shiba Inu (SHIB) and Mutuum Finance (MUTM) Will Deliver Big Gains

Top Cryptocurrencies for 2025:  Why Shiba Inu (SHIB) and Mutuum Finance (MUTM) Will Deliver Big Gains

As the crypto market gets ready for 2025 bull run, investors are looking for assets that combine innovation with growth potential. Although traditional coins like Shiba Inu (SHIB) are still favorites, Mutuum Finance (MUTM) is generating considerable buzz among watchers. Mutuum Finance phase 6 presale is already selling the token for $0.035. Investors buying the […]

Author: Cryptopolitan

2025/08/28

JPMorgan Commits Half-Billion Dollars to Numerai’s AI Hedge Fund

JPMorgan Commits Half-Billion Dollars to Numerai’s AI Hedge Fund

Numerai has secured a $500 million commitment from JPMorgan Asset Management, underscoring growing institutional interest in AI-powered hedge funds and crypto-integrated investment strategies.

Author: Cryptodaily

2025/08/28

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