ExchangeDEX+
Buy CryptoMarketsSpotFuturesGOLDEarnEvent Center
More
ICP Zero-Fee Gala

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.

14055 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Political Overreach Threatens American Prosperity

Political Overreach Threatens American Prosperity

The post Political Overreach Threatens American Prosperity appeared on BitcoinEthereumNews.com. WASHINGTON, DC – APRIL 02: U.S. President Donald Trump holds up a chart while speaking during a “Make America Wealthy Again” trade announcement event in the Rose Garden at the White House on April 2, 2025 in Washington, DC. Touting the event as “Liberation Day”, Trump is expected to announce additional tariffs targeting goods imported to the U.S. (Photo by Chip Somodevilla/Getty Images) Getty Images “Two ways. Gradually and then suddenly.” That’s the famous line from Ernest Hemingway’s The Sun Also Rises where the main character (Mike) describes how he went bankrupt. The rest of the passage, where Hemingway elaborates on Mike’s experience, may not be quite as famous, but it remains oddly topical. It also serves as a timeless reminder of why the founding principles of the American government are so important to the country’s standing in the world. Hemingway explains that Mike’s troubles were brought on by lots of false friends and creditors, likely “more creditors than anybody in England.” Hemingway knew the game. Everybody loves you when they’re confident you’ll repay them, so they keep lending you money. And they always love you. Until they don’t. For a very long time, pretty much everyone has loved the United States. By far, we’re the largest wealthy country, with the best opportunity for moving up the economic ladder. America Was Not In Decline Everyone wants access to America’s financial markets. We offer the safest place in the world to invest. Our markets are more diverse and liquid than anywhere else. They’re backed by the strongest and safest property rights, secured by a reliably stable government. Politically, socially, and economically, our combination of wealth and security is tops. Yet, for whatever reason, many Americans can’t stop flirting with pessimism. No matter how well things are going, everyone is easily convinced…

Author: BitcoinEthereumNews

2025/08/27

Ripple’s (XRP) Price Swings Push Investors Toward Mutuum Finance (MUTM), Here’s Why

Ripple’s (XRP) Price Swings Push Investors Toward Mutuum Finance (MUTM), Here’s Why

As Ripple’s (XRP) price continues its unpredictable swings, a new coin,  Mutuum Finance (MUTM) is quietly capturing investor attention. Amid the broader crypto market’s turbulence, traders are increasingly exploring this emerging DeFi project for its innovative lending model, stable yield mechanisms, and potential to provide more consistent returns compared to the volatility-prone giants. Mutuum Finance […]

Author: Cryptopolitan

2025/08/27

How BlackRock and Goldman Sachs are bringing Wall Street’s hottest asset class to 401(k)s

How BlackRock and Goldman Sachs are bringing Wall Street’s hottest asset class to 401(k)s

The post How BlackRock and Goldman Sachs are bringing Wall Street’s hottest asset class to 401(k)s appeared on BitcoinEthereumNews.com. Wall Street’s largest firms are championing a new cause. They are bringing alternative assets — once reserved for the ultra-wealthy — to the portfolios of individual investors. Chief among the proponents are BlackRock and Goldman Sachs. But, as is usually the case in investing, the potential of greater returns comes at a risk. “The alternative market is becoming less alternative,” said Jon Diorio, head of alternatives for wealth at asset management giant BlackRock. Alternatives are assets outside of stocks, bonds, and cash — including private equity, private credit, real estate, infrastructure, cryptocurrencies, and more. “It’s growing very rapidly as public markets are shrinking,” Diorio told CNBC in a recent interview. Interest has been fueled by shrinking public market opportunities and a softening regulatory environment. President Donald Trump signed an executive order earlier this month that paved the way for alternative assets in 401(k) retirement accounts — an idea vehemently opposed by the Biden administration. Diorio, who also leads product strategy for BlackRock’s U.S. wealth advisory business, said that giving more investors exposure to alternatives — which have traditionally been part of the portfolios of ultra high net-worth individuals, hedge funds, and pension funds — can improve returns over the long run. “In some cases, you can get enhanced diversification [and] amplify return streams,” he added. Giving individual investors the same access to different asset classes as the pros has been championed as further democratizing Wall Street. However, it also comes with its own risks. These assets are not publicly traded, which means they are more difficult to value and less liquid. BlackRock’s Diorio and peers at other major financial firms are acutely aware of this and strive to make sure investors are, too, as they challenge the decades-old focus on the traditional retail portfolio split of 60% stocks and 40%…

Author: BitcoinEthereumNews

2025/08/27

Why Ethereum’s DeFi sector is struggling despite Ether reaching record highs

Why Ethereum’s DeFi sector is struggling despite Ether reaching record highs

The post Why Ethereum’s DeFi sector is struggling despite Ether reaching record highs appeared on BitcoinEthereumNews.com. ETH reached $4,700 in August 2025, yet DeFi adoption grows slowly. Regulatory rules, high fees, and complex processes hinder mass DeFi participation. Layer 2 solutions and better collaboration with regulators may drive future growth. Ethereum’s DeFi sector continue to run into issues, even though Ether (ETH) hit record highs in August 2025. ETH reached $4,700, the highest since 2021, and the number of daily active addresses went up to 9.1 million. DeFi hasn’t grown as much as Ether’s price has. Factors such as how many people are using it, how developed the market is, rules and regulations, and changes in investor interest are all playing a part. Ethereum is still widely used, but these challenges and the competition in the space are keeping DeFi from expanding faster. DeFi growth versus market challenges Ethereum is at the center of DeFi, with $312.6 billion locked in smart contracts in August 2025, the highest ever. But the sector is still growing slowly. Money in DeFi is divided among other blockchains like Solana, BNB Chain, and Arbitrum, where activity hasn’t grown much and in some cases has fallen slightly. Government rules and regulations are making things harder, especially around lending and stablecoins, which is slowing down interest from big investors. On top of that, high fees and complicated processes make it difficult for regular users to get involved. Some platforms, like Aave, have seen big growth, reaching $70 billion in deposits with a 40% increase in just a few weeks. But this growth stands out against the overall cautious mood in the sector. Centralized exchanges and CeFi lending platforms are also taking some money away from DeFi, even as lending on DeFi platforms hits record levels. The idea of decentralization is being tested as regulatory and technical challenges grow, which could slow the sector’s…

Author: BitcoinEthereumNews

2025/08/27

Pepe Coin (PEPE) Made Millionaires in 2023, Here’s the Coin That Could Do It in 2025

Pepe Coin (PEPE) Made Millionaires in 2023, Here’s the Coin That Could Do It in 2025

In 2023, Pepe Coin (PEPE) stunned the crypto market by turning early believers into millionaires, riding the meme wave to unprecedented heights. But as the dust settles on the memecoin frenzy, attention is now shifting toward 2025’s potential breakout, Mutuum Finance (MUTM).   Mutuum Finance is currently at $0.035 in stage 6 presale after increasing 16.17% […]

Author: Cryptopolitan

2025/08/27

Ethereum Reclaims DeFi Crown, Sentora Says Chain Now Holds 62% of TVL

Ethereum Reclaims DeFi Crown, Sentora Says Chain Now Holds 62% of TVL

Sentora reports Ethereum holds 62% of DeFi TVL. We examine drivers, liquid staking, L2 momentum, and whether rival chains can chip away at its lead.

Author: Blockchainreporter

2025/08/27

6000 USDT in Sponsor Tag Prizes Up for Grabs in the Spacecoin Writing Contest

6000 USDT in Sponsor Tag Prizes Up for Grabs in the Spacecoin Writing Contest

The Spacecoin Writing Contest is back for its final round, offering 9,000 USDT in prizes across new sponsor categories: #spacecoin, #creditcoin, and #gluwa. Writers can enter by submitting original stories under the contest tags on HackerNoon before October 7, 2025. Winners will be selected based on readership and staff votes, with up to 15 writers awarded. Whether you’re passionate about decentralization, on-chain lending, or financial inclusion, this is your chance to publish, share, and win

Author: Hackernoon

2025/08/27

Top 10 Altcoins With Real Utility for Long-Term Growth

Top 10 Altcoins With Real Utility for Long-Term Growth

The post Top 10 Altcoins With Real Utility for Long-Term Growth appeared on BitcoinEthereumNews.com. Crypto News Explore the top 10 altcoins with real utility and strong ecosystems that investors are watching for long-term growth. After years of hype-driven cycles, the crypto market is maturing. Investors are shifting focus from speculative meme tokens to projects with genuine utility, platforms that solve real-world problems, build ecosystems, and attract developer adoption. In the long run, coins with strong utility tend to sustain growth even when market sentiment cools. With the next bull cycle approaching, analysts are spotlighting the top 10 altcoins that could lead the way in long-term utility-driven expansion. Alongside these established players, new entrants such as MAGACOIN FINANCE are also gaining attention as investors look for projects combining narrative strength with ecosystem growth. Ethereum (ETH) Ethereum remains the most widely used blockchain for decentralized applications. Its dominance in DeFi, NFTs, and tokenized assets highlights unmatched utility. With the transition to proof-of-stake and continued Layer 2 scaling through rollups like Arbitrum and Optimism, Ethereum’s ecosystem remains the heartbeat of Web3. By 2026, analysts expect Ethereum’s utility to expand further as institutional adoption accelerates through ETFs and enterprise integrations. Its combination of security, decentralization, and developer activity makes ETH a cornerstone for long-term investors. Solana (SOL) Solana is recognized for its unmatched speed and low fees. It has become the go-to chain for high-frequency applications like gaming, DeFi, and NFTs. After overcoming past reliability issues, Solana has stabilized with major upgrades that reinforce scalability. Developers are increasingly turning to Solana to build applications requiring high throughput, giving it a unique edge. Analysts project that SOL could maintain its momentum heading into 2026, driven by retail adoption and institutional curiosity. Its expanding ecosystem makes Solana one of the most utility-rich blockchains to watch for the long term. Cardano (ADA) Cardano’s academic and research-first model sets it apart from…

Author: BitcoinEthereumNews

2025/08/26

Smart Contracts for Business: Automating Trust and Efficiency

Smart Contracts for Business: Automating Trust and Efficiency

Smart Contracts for Business: Automating Trust and Efficiency Within today’s dynamic digital marketplace, enterprises aim to minimize spending, maximize efficiency, and foster greater trust among customers and partners. One of the most transformative innovations enabling this shift is smart contracts. Powered by blockchain technology, smart contracts automate processes, reduce intermediaries, and ensure transparent, tamper-proof agreements. For businesses, they represent a new paradigm where trust is embedded directly in the code. This blog explores the role of smart contracts in business, their advantages, real-world applications, challenges, and future potential in automating trust and efficiency. What Are Smart Contracts? Smart contracts are blockchain-based agreements that execute themselves without the need for intermediaries. It automatically executes actions once predefined conditions are met, without requiring manual intervention or intermediaries. For example, a smart contract in real estate might automatically transfer ownership of property once the buyer’s payment is confirmed on the blockchain. Similarly, in supply chains, it could release payment to a supplier as soon as goods are verified at their destination. Unlike traditional contracts that depend on third parties (lawyers, brokers, banks), smart contracts are decentralized, transparent, and tamper-proof. Key Features of Smart Contracts Businesses are adopting smart contracts because of their unique features: Automation — Executes agreements automatically once conditions are met. Transparency — Contract terms and outcomes are visible on the blockchain. Security — Powered by cryptography and decentralized blockchain networks. Trustless Transactions — Parties don’t need to rely on intermediaries for enforcement. Immutability — Smart contracts are immutable post-deployment, maintaining consistency. Efficiency — Reduces time delays and operational costs compared to manual processes. Benefits of Smart Contracts for Businesses

  1. Cost Reduction By removing intermediaries like banks, lawyers, or brokers, businesses save significantly on transaction and administrative costs.
  2. Time Efficiency Traditional contract processes often take days or weeks to execute. Smart contracts perform actions instantly when conditions are fulfilled.
  3. Trust and Transparency Since all transactions are visible on the blockchain, both parties have full visibility and cannot manipulate terms or outcomes.
  4. Security and Fraud Prevention Blockchain’s decentralized nature and encryption make smart contracts resistant to tampering and fraud.
  5. Global Accessibility Smart contracts can be executed anywhere in the world, facilitating cross-border business without complex legal hurdles. Use Cases of Smart Contracts in Business
  6. Supply Chain Management Smart contracts can automate the tracking and verification of goods across the supply chain. Payments are released only when goods are delivered and verified, reducing disputes. Example: Walmart and IBM use blockchain-based smart contracts to trace food supply chains, ensuring safety and authenticity.
  7. Real Estate Smart contracts simplify property transactions by automating ownership transfers once payment is confirmed. They also streamline rental agreements, lease contracts, and escrow services.
  8. Finance and Banking Banks use smart contracts for faster settlement of trades, loan approvals, insurance claims, and digital asset management. Example: Decentralized Finance (DeFi) platforms like Aave and Compound use smart contracts to automate lending and borrowing.
  9. Healthcare Smart contracts can securely handle patient data sharing between providers, automate insurance claims, and ensure medical supply authenticity.
  10. Insurance Smart contracts process claims automatically once predefined conditions are verified (e.g., flight delays or car accidents). This reduces fraud and speeds up payouts.
  11. Human Resources Employment contracts, payroll, and freelancer payments can be automated, ensuring timely compensation once work milestones are achieved.
  12. Legal Industry Smart contracts act as “self-executing agreements” that reduce the need for manual legal enforcement. They can be used for intellectual property rights, licensing, and royalties.
  13. Voting and Governance Organizations use smart contracts for transparent shareholder voting or DAO (Decentralized Autonomous Organization) governance decisions. How Smart Contracts Automate Trust? The primary value of smart contracts is their capacity to establish trust automatically. Instead of relying on third parties, trust is embedded in the blockchain code. Immutable Code: Parties cannot alter terms once deployed. Autonomous Execution: Actions happen automatically based on pre-set logic. Verifiable Proof: Every transaction is recorded on a public or private blockchain. This creates a trustless environment where even competitors can safely transact without fear of manipulation. How Smart Contracts Improve Efficiency? Smart contracts eliminate manual errors, delays, and redundant paperwork. Faster Settlements: Transactions execute instantly once verified. Streamlined Workflows: Automates repetitive business processes. Fewer Disputes: Pre-programmed terms reduce ambiguities. Interoperability: Can integrate with IoT devices, AI, and enterprise systems for real-time automation. Real-World Business Examples Maersk & IBM TradeLens — Using blockchain smart contracts to automate global shipping and trade documentation. Propy — A blockchain real estate platform using smart contracts to execute property transactions. Etherisc — A decentralized insurance platform that uses smart contracts to handle flight delay insurance. Chainlink — Provides external real-world data (like weather, prices, IoT) to smart contracts for automated execution. Challenges in Implementing Smart Contracts While smart contracts are promising, businesses face hurdles: Legal Recognition — Many jurisdictions lack clear regulations on smart contracts. Complex Coding — Errors in code can lead to financial losses or hacks. Scalability — Current blockchain platforms have limitations in processing speed and transaction volume. Oracles Dependence — Smart contracts need external data sources (“oracles”), which can be points of vulnerability. Irreversibility — Mistakes in contracts cannot be easily corrected once deployed. Future of Smart Contracts in Business The future of smart contracts is bright, with advancements that will address current limitations: Integration with AI & IoT — AI-driven smart contracts will make smarter, adaptive decisions using real-time IoT data. Cross-Chain Compatibility — Interoperability between multiple blockchains will expand global use cases. Enterprise Adoption — Major industries like logistics, healthcare, and finance will integrate smart contracts at scale. Legal Frameworks — Governments will create legal standards for smart contract recognition. DAO Expansion — Businesses may transition into decentralized autonomous organizations governed by smart contracts. Conclusion Smart contracts are redefining how businesses establish trust and efficiency in the digital era. By automating agreements, reducing reliance on intermediaries, and ensuring transparency, they bring speed, security, and cost-effectiveness to industries worldwide. While challenges like legal recognition and technical complexity remain, the trajectory of smart contracts is clear — businesses that embrace them will gain a competitive advantage in the global economy. As blockchain matures, smart contracts will not only automate transactions but also reshape entire business models, creating a future where trust and efficiency are built directly into the code.
Smart Contracts for Business: Automating Trust and Efficiency was originally published in Coinmonks on Medium, where people are continuing the conversation by highlighting and responding to this story

Author: Medium

2025/08/26

TOKEN6900 Presale Ends in Less Than 48 Hours – Last Chance to Buy T6900

TOKEN6900 Presale Ends in Less Than 48 Hours – Last Chance to Buy T6900

As the crypto market heads toward the end of August, altcoins are deep in the red, and investor sentiment remains cautious. Yet TOKEN6900 is breaking through the gloom, emerging as one of the few tokens generating genuine buzz. TOKEN6900, with its bold marketing, viral memes, and engaged community, is attracting attention despite the current market […]

Author: The Cryptonomist

2025/08/26

Recommended by active authors

BitcoinEthereumNews
BitcoinEthereumNews
4697Articles
Cryptopolitan
Cryptopolitan
1049Articles
PANews
PANews
932Articles
Coinstats
Coinstats
891Articles

Related Tags

#Oracle#Brifge#Yield-Farming#Basis-Trading#Prediction-Market#Launchpad#Liquid-Staking#DePIN#RWA

Latest Articles

Republicans are 'very concerned about Texas' turning blue: GOP senator

Republicans are 'very concerned about Texas' turning blue: GOP senator

2026/02/05 08:38
Senate Democrats Achieve Positive Outcome In Crucial Crypto Bill Talks

Senate Democrats Achieve Positive Outcome In Crucial Crypto Bill Talks

2026/02/05 08:24
Telegram’s Durov Warns About Spain’s Online Age-Verification Law

Telegram’s Durov Warns About Spain’s Online Age-Verification Law

2026/02/05 08:23
Republican gathering goes off the rails as 'witch' casts spell: 'Cancel that curse!'

Republican gathering goes off the rails as 'witch' casts spell: 'Cancel that curse!'

2026/02/05 08:15
XRP Enters ‘Washout Zone,’ Then Targets $30, Crypto Analyst Says

XRP Enters ‘Washout Zone,’ Then Targets $30, Crypto Analyst Says

2026/02/05 08:00