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.

14057 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
What is AutoDraft AI and Why is it Revolutionizing Animation?

What is AutoDraft AI and Why is it Revolutionizing Animation?

BitcoinWorld What is AutoDraft AI and Why is it Revolutionizing Animation? AutoDraft AI is a leading generative AI platform that streamlines the entire process of creating animated content. It’s an all-in-one toolkit that allows users to produce professional-quality animations, comics, and visual narratives without needing traditional drawing skills or complex software. The platform is designed for a broad audience, including individual content creators, marketers, and animation studios, by automating labor-intensive tasks and enabling rapid content production.   Core Features of AutoDraft AI AutoDraft AI stands out for its comprehensive and integrated suite of tools, which cover every step of the animation workflow: AI Character & Background Generators: Create custom characters and detailed backdrops from simple text prompts or even rough sketches. The platform uses custom-trained models to ensure a consistent style and identity across all generated assets. Integrated Voiceovers and Music: Generate realistic AI voiceovers with automatic lip-syncing, and add royalty-free background music and sound effects, eliminating the need for external audio software. Advanced Animation Controls: Animate characters with over 1,000 preset actions and 100 facial expressions. The AI handles complex motions and transitions, freeing creators from the tedious work of manual rigging or keyframing. All-in-One Editing Suite: The platform features a built-in editor that allows users to easily arrange scenes, apply effects, and fine-tune animations on a timeline, all within a single application.   Why AutoDraft AI is Gaining Widespread Popularity AutoDraft AI has seen a rapid rise in adoption due to its ability to dramatically lower the barriers to entry for animated content creation. Unmatched Accessibility: The platform’s intuitive, user-friendly interface makes it easy for beginners with no prior experience to create polished animations. Users can turn ideas into videos in minutes, not weeks, which is a major draw. Exceptional Speed and Efficiency: By automating tasks that are traditionally done by hand, AutoDraft AI significantly accelerates the production pipeline. A project that might take a team of illustrators weeks to complete can be done in minutes, allowing creators to produce content more frequently and capitalize on trending topics. Cost-Effectiveness: The platform offers a highly affordable alternative to traditional animation methods, which require expensive software licenses or the hiring of professional artists. Its generous free plan and budget-friendly subscriptions enable independent creators and small businesses to produce high-quality videos on a minimal budget. Consistent and Customizable Results: AutoDraft AI solves the common problem of style and character inconsistency in AI-generated content. Its ability to maintain a uniform art style and character appearance across scenes is a key differentiator, making it ideal for creating cohesive series and brand-aligned content. Monetization Opportunities: For content creators on platforms like YouTube and TikTok, AutoDraft AI provides a direct path to monetization. The ability to quickly create a high volume of engaging, animated stories enables users to build an audience, earn ad revenue, and secure brand sponsorships. In conclusion, AutoDraft AI is democratizing animation by blending powerful AI automation with a user-friendly interface. Its focus on speed, efficiency, and consistent output has made it an indispensable tool for anyone looking to create professional-quality animated content, solidifying its place at the forefront of the creative AI revolution. This post What is AutoDraft AI and Why is it Revolutionizing Animation? first appeared on BitcoinWorld and is written by Keshav Aggarwal

Author: Coinstats
Alchemy Pay Unlocks Global Fiat-Crypto Access for SparkFi’s $SPK Token

Alchemy Pay Unlocks Global Fiat-Crypto Access for SparkFi’s $SPK Token

The integration of $SPK into Alchemy Pay’s network permits consumers to sell and buy the token via Mastercard, mobile wallets, Visa, and local ways of payment.

Author: Blockchainreporter
PBOC sets USD/CNY reference rate at 7.1108 vs. 7.1161 previous

PBOC sets USD/CNY reference rate at 7.1108 vs. 7.1161 previous

The post PBOC sets USD/CNY reference rate at 7.1108 vs. 7.1161 previous appeared on BitcoinEthereumNews.com. On Wednesday, the People’s Bank of China (PBOC) set the USD/CNY central rate for the trading session ahead at 7.1108 as compared to the previous day’s fix of 7.1188 and 7.1559 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-71108-vs-71161-previous-202508270132

Author: BitcoinEthereumNews
USDT Faucets: Claiming Stablecoins for Free

USDT Faucets: Claiming Stablecoins for Free

Faucets offer a safe and simple starting point for newcomers curious about digital assets but hesitant to invest immediately. Instead of buying coins or navigating complex exchanges, users can claim small rewards, test wallets, and explore the crypto ecosystem for free. Unlike Bitcoin or other volatile cryptocurrencies, USDT keeps its value steady, making the learning [...]]]>

Author: Crypto News Flash
KindlyMD Launches $5 Billion Equity Program Tied to Bitcoin Treasury Strategy

KindlyMD Launches $5 Billion Equity Program Tied to Bitcoin Treasury Strategy

TLDR: KindlyMD set up a $5B at-the-market stock sale to fund its Bitcoin treasury strategy and corporate growth projects. The program follows its merger with Nakamoto Holdings and a first purchase of 5,744 Bitcoin earlier this month. Shares will trade under the NAKA ticker on Nasdaq, with sales managed by multiple top financial institutions. Proceeds [...] The post KindlyMD Launches $5 Billion Equity Program Tied to Bitcoin Treasury Strategy appeared first on Blockonomi.

Author: Blockonomi
BTC WHALE CAUSES MINI-CRASH, ETH HITS ATH, FOOTBALLFUN GOES VIRAL

BTC WHALE CAUSES MINI-CRASH, ETH HITS ATH, FOOTBALLFUN GOES VIRAL

The post BTC WHALE CAUSES MINI-CRASH, ETH HITS ATH, FOOTBALLFUN GOES VIRAL appeared on BitcoinEthereumNews.com. BTC WHALE CAUSES MINI-CRASH, ETH HITS ATH, FOOTBALLFUN GOES VIRAL ETH hits new ATH then retreats. Whale dumps 24k BTC, triggers mini-crash. Only 18.3m ETH is left on exchanges. Jump & Galaxy plan $1bn SOL treasury vehicle. Sharps Technology plans $400bn SOL DAT. VanEck files for first SOL liquid staking ETF. Sharplink to buy back $1.5b stock. BitMine now owns $7.9bn ETH. Japan set to cut crypto taxes, greenlight BTC ETFs. Metaplanet buys $11.7m BTC, joins FTSE Japan. Saylor signals 3rd consecutive Strategy BTC buy. Several issuers files amended S-1 for XRP ETF. XRP flips BlackRock market cap. WLFI trades at $25bn pre-launch. AAVE denies it will get part of WLFI supply. AAVE TVL crosses $57b, now 62% of DeFi lending. Stargate DAO approves LayerZero acquisition offer. Philippines considers BTC reserve. Source: https://decrypt.co/videos/interviews/UBYutSKP/btc-whale-causes-mini-crash-eth-hits-ath-footballfun-goes-viral

Author: BitcoinEthereumNews
From private paper currency to cloud ledger, how does Google GCUL define the next generation of stablecoin network?

From private paper currency to cloud ledger, how does Google GCUL define the next generation of stablecoin network?

Original source: Google Original title: Beyond Stablecoins: The Evolution of Digital Currency Editor's Note: Internet giant Google has officially unveiled its native blockchain network, GCUL (Google Cloud Universal Ledger). The introduction provides a glimpse into Google's thinking: driven by the explosive growth of stablecoins and their potential trillion-dollar potential, Google is eager to capitalize on this next-generation fintech wave. Consequently, it has created GCUL, a network more akin to a stablecoin consortium blockchain. Rich Widmann, Head of Google Web3, stated that this is the culmination of years of research and development at Google, offering financial institutions a high-performance, trusted, neutral network that supports Python-based smart contracts. Google also published an article detailing its thinking on GCUL. The following is the original text from Google: Stablecoins experienced significant growth in 2024, with transaction volume tripling to $5 trillion organically and $30 trillion in total (sources: Visa , Artemis ). By comparison, PayPal's annual transaction volume is approximately $1.6 trillion, and Visa's is approximately $13 trillion. The supply of stablecoins pegged to the US dollar has grown to over 1% of the total US dollar supply (M2) (source: rwa.xyz ). This surge clearly demonstrates that stablecoins have established a presence in the market. The demand for better services is driving a major shift in the nearly $3 trillion payments market. Stablecoins, without the complexity, inefficiencies, and fees of traditional payment systems, enable seamless fund transfers between digital wallets. New solutions are also emerging in the capital markets to facilitate the payment process of digital asset transactions, improving transparency and efficiency while reducing costs and settlement times. This article explores the evolving financial landscape and proposes a solution that can help traditional finance and capital markets not only catch up, but also lead the way. Private Currency: Similarities Between Paper Money and Stablecoins Stablecoins share many similarities with the privately issued paper money that was widely used in the 18th and 19th centuries. Banks issued their own banknotes, with varying degrees of reliability and regulation. These notes made transactions easier because they were easier to carry, count, and exchange, without the need to weigh or assess the purity of the gold. To foster trust in this new form of money, the notes were backed by reserve funds and promised to be redeemable for real-world assets (most commonly precious metals). The number of trading wallets and liquidity increased significantly. Most banknotes were accepted only in the local area near the issuing bank. For interbank settlements, they were exchanged for precious metals or cleared between banks. In exchange for these benefits, users accepted the risk of a single bank default and fluctuations in value based on the issuing bank's perceived solvency. Fractional Reserve Banking and Supervision Remarkable economic growth followed, and financial innovation followed. Economic expansion required a more flexible money supply. Banks, observing that not all depositors would demand redemptions at the same time, realized they could profitably lend out a portion of their reserves. Fractional reserve banking, in which the amount of banknotes in circulation exceeded the reserves held by banks, emerged. Mismanagement, risky lending practices, fraud, and economic downturns led to bank runs, bankruptcies, crises, and depositor losses. These failures prompted increased regulation and oversight of currency issuance. Along with the establishment and expansion of central bank mandates, these regulations created a more centralized system, improved banking practices, established stricter rules, enhanced stability, and engendered public trust in the monetary system. Today's Monetary System: Commercial Bank and Central Bank Money Our current monetary system utilizes a dual currency model. Commercial bank money, issued by commercial banks, is essentially a liability (IOU) of a specific bank and is subject to comprehensive regulation and oversight. Commercial banks utilize a fractional reserve funding model, meaning they hold only a portion of their deposits in central bank money as reserves and lend the rest. Central bank money is a liability of the central bank and is considered risk-free. Interbank liabilities are settled electronically in central bank money (via RTGS systems such as FedWire or Target2). The public can only use commercial bank money for electronic transactions, and the use of cash (physical central bank money) is declining. In a single currency, all commercial bank money is fungible. Bank competition focuses on services provided, not the quality of the money they offer. Today's financial infrastructure: fragmented, complex, expensive, and slow With the rise of computers and the internet, monetary transactions are recorded electronically, allowing them to be conducted without cash. Liquidity, access, and product innovation have reached new heights. However, solutions vary by country, and cross-border transactions remain economically and technically difficult. Correspondent banking, which requires keeping idle funds with partner banks, faces infrastructure complexity that has forced banks to limit their partnerships. Consequently, banks are exiting correspondent relationships ( down 25% over the past decade ), resulting in longer payment chains, slower payments, and higher costs. Convenient solutions that abstract these complexities (such as global credit card networks) are costly for businesses that pay fees. Furthermore, most improvements have been focused on the front end, while innovation in payment processing infrastructure has been slow. The fragmented financial system increases trade frictions and slows economic growth. The Economist estimates that by 2030, the macroeconomic impact of a fragmented payments system on the global economy will be a staggering $2.8 trillion in losses (2.6% of global GDP), equivalent to more than 130 million jobs (4.3%). Fragmentation and complexity are also harming financial institutions. Annual maintenance costs for outdated payment systems were $37 billion in 2022 and are projected to rise to $57 billion by 2028 ( IDC Financial Insights ). Furthermore, the inability to provide real-time payments exacerbates direct revenue losses due to inefficiencies, security risks, and extremely high compliance costs ( 75% of banks struggle to implement new payment services within outdated systems, and 47% of new accounts are with fintechs and neobanks ). High payment fees can hinder a company's international growth, impacting profitability and valuation. Companies that process large volumes of payments have a strong incentive to reduce their processing fees. For example, for Walmart, reducing its approximately $10 billion in annual processing fees (assuming an average processing fee rate of 1.5% on $700 billion in revenue) to $2 billion could increase earnings per share and stock price by over 40%. New infrastructure, new possibilities Experimentation in Web3 has given rise to promising technologies like distributed ledger technology (DLT). These technologies offer a new way for financial systems to transact by providing a global, always-on infrastructure with advantages such as multi-currency/multi-asset support, atomic settlement, and programmability. The financial industry is already shifting from siloed databases and complex messaging to a transparent, immutable shared ledger. These modern networks streamline interactions and workflows, eliminating independent, costly, and slow reconciliation processes and removing the technical complexity that hinders speed and innovation. Disruptor: Stablecoins Stablecoins, operating on a decentralized ledger, enable near-instant, low-cost global transactions, unconstrained by the time and geographic constraints of traditional banking. This freedom and efficiency have fueled their explosive growth. High interest rates also make them highly profitable. Profits, growth, and growing confidence in the underlying technology are attracting investment from venture capitalists and payment processors. Stripe acquired Bridge, enabling online merchants to accept stablecoin payments. Visa also offers the ability to use stablecoins for partner payments and settlements . Retailers (such as Whole Foods) are accepting and even encouraging stablecoin payments to reduce transaction fees and receive payments instantly ( Federal Reserve Bank of Atlanta article ). Consumers can obtain stablecoins in seconds ( Coinbase integrates ApplePay ). Stablecoins face many challenges. Regulation: Unlike traditional currencies, stablecoins lack comprehensive regulation and oversight. The US is increasing its regulatory oversight, and the EU is applying e-money rules to e-money tokens through MICAR. Depositor protections do not apply to stablecoins. Compliance: Ensuring compliance with anti-money laundering and sanctions laws is challenging when anonymous accounts conduct transactions on public blockchains ( 63% of the $51.3 billion in illicit transactions on public blockchains in 2024 involved stablecoins ). Fragmentation: The wide variety of stablecoins operating on different blockchains requires complex bridging and conversions. This fragmentation has led to a reliance on automated bots for arbitrage and liquidity management, with these bot accounts accounting for almost 85% of all trading volume ( $5 trillion in organic volume versus $30 trillion in total volume ). Infrastructure Scalability: To achieve widespread adoption, the underlying technology must be able to handle a large number of transactions. (There were approximately 6 billion stablecoin transactions in 2024, with ACH transactions roughly an order of magnitude higher and card transactions two orders of magnitude higher.) Economics/Capital Efficiency: Currently, banks drive economic growth by expanding the money supply by lending out funds many times their reserves. Widespread use of stablecoins would divert banks’ reserves, significantly reducing their lending capacity and directly impacting profitability. The immediate challenges facing stablecoins (issuer credibility, regulatory ambiguity, compliance/fraud, and fragmentation) are similar to those faced by early privately issued banknotes. The widespread adoption of fully funded stablecoins would disrupt not only the banking and financial sectors but also the current economic system. Commercial banks extend credit, currency, and liquidity to support economic growth; central banks monitor and influence this process through monetary policy to directly manage inflation and indirectly pursue other policy objectives, such as employment, economic growth, and welfare. A large-scale transfer of reserve funds from banks to stablecoin issuers could reduce the supply of credit and increase its cost. This would dampen economic activity, potentially leading to deflationary pressures and posing challenges to the effectiveness of monetary policy implementation. Stablecoins offer clear benefits to users, particularly in cross-border transactions. Competition will drive innovation, expand application scenarios, and spur growth. Increased transaction volume and increased adoption of stablecoin wallets could lead to reduced deposits, lower lending, and lower profitability for traditional banks. As regulation matures, we may see the emergence of stablecoin models that use partial reserves, blurring the lines between them and commercial bank currencies and further intensifying competition in the payments sector. Innovator's Dilemma Institutions and individuals now have a choice between traditional payment systems, which are familiar and less risky, but slow and costly, or modern systems, which are fast, cheap, convenient, and rapidly improving, but come with new risks. Increasingly, they are choosing modern systems. Payment service providers have a choice. They can view these innovations as niche markets that won't impact their core traditional financial customer base and focus on incremental improvements to existing products and systems. Alternatively, they can leverage their brands, regulatory experience, customer base, and networks to dominate the new payments era. By embracing new technologies and forming strategic partnerships, they can meet evolving customer expectations and drive business growth. Better payments through evolution, not revolution There's a way to enable a new generation of payments—global, 24/7, multi-currency, and programmable—without reinventing money, simply by reimagining the infrastructure. Commercial bank money and strong traditional financial regulation address the stability, regulatory clarity, and capital efficiency issues of the existing financial system. Google Cloud can provide the necessary infrastructure upgrade. Google Cloud Universal Ledger (GCUL) is a new platform for creating innovative payment services and financial market products. It simplifies the management of commercial bank currency accounts and facilitates money transfers via a distributed ledger, enabling financial institutions and intermediaries to meet the needs of the most discerning customers and compete effectively. GCUL is designed to provide a simple, flexible, and secure experience. Let's break it down: Simple: GCUL is delivered as a service, accessible through a single API, simplifying the integration of multiple currencies and assets. There's no infrastructure to build and maintain. Transaction fees are stable, transparent, and invoiced monthly (unlike the volatile, upfront fees of cryptocurrency transactions). Flexible: GCUL offers unparalleled performance and is scalable to any use case. It's programmable, supporting payment automation and digital asset management. It integrates with the wallet of your choice. Secure: GCUL is designed with compliance in mind (e.g., KYC-verified accounts, outsourcing-compliant transaction fees). It operates as a private, permissioned system (which may become more open as regulations evolve) and leverages Google's secure, reliable, durable, and privacy-focused technology. GCUL offers significant advantages to both customers and financial institutions. Customers can enjoy near-instant transactions (especially for cross-border payments), along with low fees, 24/7 availability, and payment automation. Financial institutions, on the other hand, benefit from reduced infrastructure and operational costs by eliminating reconciliations, reducing errors, streamlining compliance processes, and reducing fraud. This frees up resources for developing modern products. Financial institutions can leverage their existing strengths (such as customer networks, licenses, and regulatory processes) to maintain full control over customer relationships. Payments as a catalyst for capital markets Similar to the payments sector, capital markets have undergone a significant transformation through the adoption of electronic systems. Initially met with resistance, electronic trading ultimately revolutionized the industry. Real-time price information and wider access to it increased liquidity, leading to faster execution, tighter spreads, and lower per-trade fees. This, in turn, spurred further growth in market participants (especially individual investors), product and strategy innovation, and overall market size. Despite significantly lower per-trade prices, the industry has experienced significant expansion, with advances in areas such as electronic and algorithmic trading, market making, risk management, and data analytics. However, challenges remain in payments. Due to the limitations of traditional payment systems, settlement cycles can stretch out to several days, necessitating working capital and collateral for risk management. Digital assets and new market structures enabled by distributed ledger technology are hindered by the inherent frictions of bridging traditional and new infrastructure. Independent asset and payment systems perpetuate fragmentation and complexity, hindering the industry from fully benefiting from innovation. Google Cloud Universal Ledger (GCUL) addresses these challenges by providing a simplified and secure platform for managing the entire digital asset lifecycle (e.g., bonds, funds, collateral). GCUL enables seamless and efficient issuance, management, and settlement of digital assets. Its atomic settlement capabilities minimize risk and increase liquidity, unlocking new opportunities in the capital markets. We are exploring how to transfer value using a secure medium of exchange backed by regulated, bankruptcy-protected assets, such as central bank deposits or money market funds. These initiatives will help enable true 24/7 capital mobility and drive the next wave of financial innovation.

Author: PANews
ETH Adoption Expands — MAGACOIN Launches Daily Rewards in ETH, XRP, DOGE and ADA

ETH Adoption Expands — MAGACOIN Launches Daily Rewards in ETH, XRP, DOGE and ADA

The post ETH Adoption Expands — MAGACOIN Launches Daily Rewards in ETH, XRP, DOGE and ADA appeared on BitcoinEthereumNews.com. Ethereum is reestablishing itself as the foundation of decentralized finance in 2025, fueled by institutional inflows, regulatory clarity, and ecosystem upgrades that have transformed its usability. With more than $12 billion flowing into ETH exchange-traded funds and record staking levels, the network has entered a new phase of adoption. The momentum has also created a favorable backdrop for innovative projects like MAGACOIN FINANCE, which is tapping into Ethereum’s growth by offering daily rewards in ETH and other major altcoins. Ethereum’s Institutional Resurgence Institutional adoption is at the heart of Ethereum’s 2025 story. The approval of spot ETH ETFs has unlocked access for asset managers, pension funds, and corporate treasuries, resulting in steady inflows and renewed legitimacy. Reports show that ETH-focused ETFs have drawn more than $12 billion since launch, underscoring investor appetite for exposure to the leading smart contract platform. This capital wave coincides with record staking ratios. More ETH than ever before is being locked to secure the network, further reducing liquid supply on exchanges and tightening the asset’s availability. Combined with steady institutional allocations, these dynamics are reinforcing Ethereum’s price climb to a new all-time high and signaling confidence in its long-term trajectory. Upgrades and Scalability On the technical side, Ethereum has delivered major upgrades that have dramatically improved its usability. The Dencun upgrade introduced data availability improvements, while Pectra brought refinements to scalability and user experience. Together, these milestones have lowered transaction fees, improved network throughput, and made Ethereum more competitive against faster blockchains. These improvements are rippling through DeFi, NFTs, and tokenized assets. Billions remain locked in smart contracts, and activity across decentralized exchanges continues to climb. Developers now cite Ethereum as more accessible than in previous cycles, broadening its appeal for both startups and large enterprises seeking blockchain infrastructure. Regulatory Clarity and Mainstream Expansion Perhaps…

Author: BitcoinEthereumNews
Wall Street Eyes Chainlink: Bitwise Pushes for First LINK ETF

Wall Street Eyes Chainlink: Bitwise Pushes for First LINK ETF

Bitwise Asset Management has filed paperwork with U.S. regulators to launch a fund tied directly to Chainlink’s LINK token, marking […] The post Wall Street Eyes Chainlink: Bitwise Pushes for First LINK ETF appeared first on Coindoo.

Author: Coindoo
DeFi protocol Gondor completes angel round of financing, with participation from Maven11 Capital and others

DeFi protocol Gondor completes angel round of financing, with participation from Maven11 Capital and others

PANews reported on August 27th that Gondor, a startup aiming to build a DeFi layer for prediction markets, has officially announced the completion of its angel round of funding from investors including Maven11 Capital. Its first product, a lending protocol for Polymarket positions, will launch soon.

Author: PANews