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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.

16132 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
This Might Be the Last $0.035 Altcoin With Real 20x Potential Before 2027, Experts Explain

This Might Be the Last $0.035 Altcoin With Real 20x Potential Before 2027, Experts Explain

The post This Might Be the Last $0.035 Altcoin With Real 20x Potential Before 2027, Experts Explain appeared on BitcoinEthereumNews.com. An additional surge of traders is starting to be interested in one of the altcoins which remains at a price of $0.035 since its window narrows and its growth progresses towards a significant release. According to some experts, this may be one of the final early-stage DeFi tokens whose realistic setup could be able to see 20x move before 2027. Mutuum Finance (MUTM) is currently experiencing attention because its allocation approaches expiry and it gains momentum. Presale Growth, Price Movement and What MUTM Is Building Mutuum Finance started at $0.01 in early 2025, and is currently at $0.035, with a 250% increase in the process of development. The project has a volume of raised funds/money $19.2M, obtained over 18,400 holders and sold over 810M tokens. Among the 4B supply, 1.82B or 45.5% of the tokens are set for the presale phases. The supply at this price is now less than 95% with not much supply to be observed at this stage. The project has also ensured a 20% increase in prices forms part of the next crypto phase hence one of the factors that have made demand increase at an expedited pace over the last two weeks. Investors are rushing in before the next level enters into the scene at a higher cost. Mutuum Finance is also working on a decentralized financial lending model which consists of two environments that are interconnected. Users can borrow assets including ETH, USDT and be provided with mtTokens, whose value increases as borrowers repay interest. Borrowers get to deal with rates that change with liquidity. Safe use of collateral is conducted by loan-to-value rules and an event of liquidation is witnessed when collateral becomes too low. Such design makes the protocol useful in reality rather than through hype authorities. V1 Launch, Security Layers and…

Author: BitcoinEthereumNews

2025/12/09

Bitcoin Treasury Firm Twenty One to Debut Tuesday on NYSE With $4B in Holdings

Bitcoin Treasury Firm Twenty One to Debut Tuesday on NYSE With $4B in Holdings

Tether and Bitfinex-backed company debuts under ticker "XXI" with over 43,500 BTC, ranking as third-largest public corporate holder

Author: Blockhead

2025/12/09

Weekly DeFi Observation: Perps Intensifies Competition, Established DeFi Players Enter the Fray

Weekly DeFi Observation: Perps Intensifies Competition, Established DeFi Players Enter the Fray

Following Fusaka's upgrade in the past week, I am bearish on third-party data providers (DAs), considering Aave's changes, its breakup with Sky, its new partnership with Maple, the continued Perps trend, and HyENA. 1. One of the more significant data changes after the $ETH Fusaka upgrade is the noticeable increase in blob base fees. A detailed analysis post is here ? What's worth mentioning is the competitive landscape with third-party data providers (DAs). (1) Firstly, in terms of price competition Compared to third-party DAs, especially solutions like Celestia, Ethereum's native blob is definitely more expensive. This is determined by the underlying consensus of the blockchain and economic security. The core issue here is the trade-off between security and cost. Therefore, the future ecosystem will likely see professional L2, enterprise-level L2, or projects with relatively strong funding and ample budgets opting for blobs. Smaller teams and projects, with limited budgets and small initial scale, will certainly prefer third-party data analytics solutions. (2) So we need to make some judgments about the future. What kind of entrepreneurs and projects will primarily use L2 in the future? I believe it will most likely be geared towards professional needs and established project teams. Small teams, projects with low budgets, or even cold-start projects are more likely to choose to build a Protocol first rather than L2. Meanwhile, Ethereum will continue to scale L2 in the future. For professional teams, the trend is that the cost in this area will not be lower than that of third parties, but it will be negligible; in other words, it will reach a point where "there's no need to save money on this." From this perspective, I am not optimistic about the long-term development of third-party data analytics (DA). However, it will exist in the market and solve a small part of the needs, rather than becoming mainstream. 2. Aave proposed removing USDS and DAI as collateral, officially parting ways with Sky. At the same time, Maple's syrupUSDT was listed on Aave. Judging from the situation, it may be a long-term binding relationship similar to Ethena. This event foreshadows a future trend in DeFi: leading protocols will begin to expand their businesses horizontally, and unless there is a strategic long-term interest ties, most will turn from partners into competitors. For example, Aave has started to develop stablecoin business, and MakerDAO has started to develop the lending market. The composability of DeFi will gradually tend towards internal composability. This actually first appeared in the Curve ecosystem. Curve projects are usually highly bound together at the protocol and community levels, which has formed a culture. This phenomenon has both advantages and disadvantages, and it's a result of increasing commercialization. In the future, it may be a few large ecosystems dominating the market, each with its own prominent business, while also covering almost all DeFi tools and directions. This business isolation also isolates risks to some extent. The syrupUSDC/USDT pair on Maple currently offers around 6% yield, so it was quickly filled up as collateral on Aave. It's estimated that Maple will be permanently tied to Aave, becoming the second Aave TVL cash cow after Ethena. 3. The Perps trend continues (1) Ethena deployed its own Perps marketplace on Hyperliquid HIP3. (2) Rumors also suggest that the next version of Fluid dex will be Perps. Hyperliquid earns approximately $1 billion annually, making it one of the most profitable DeFi projects currently. Therefore, everyone wants a piece of the pie. The first wave was driven by new projects, with the market buzzing with activity. This current trend is more about established DeFi projects leveraging their existing brands to expand their revenue. Even assuming Hyperliquid's size is only 10%, the additional revenue would be substantial. (Ethena's revenue over the past year was around $400 million.) However, it is difficult to increase the market share in this area. It requires incentive measures. Without subsidies, it is almost impossible to poach talent from other places. I estimate that Ethena's HyENA must have some incentives. Considering that I might use it to generate some trading volume, the short-term returns should be pretty good, even if it's just buying trading volume with tokens. I think the problem with this sector is that it only has existing on-chain users. For example, someone like me who isn't very familiar with CEXs would prefer Hyperliquid. However, it's difficult to attract users within CEXs, especially those who rarely come to the blockchain. In the long run, penetration rate and user education are key factors in determining the overall ceiling of Perps. 4. Will MSTR sell its coins? MSTR announced the establishment of a $1.44 billion cash reserve to pay dividends. Regarding the issue of selling tokens, I think MSTR definitely doesn't want to sell. In the short term, having already begun building cash reserves, the possibility of selling tokens is very low. However, at the recent BBW event, Saylor mentioned that when there is a negative premium, they might sell BTC derivatives or BTC. I think this is to leave myself a way out. After all, to be serious, there is no such thing as a perpetual motion machine that never sells coins. So, if an extreme situation arises that requires selling coins, it will prevent myself and MSTR from being too passive. 5. My thoughts on Stable token issuance The unique aspect of the token economics design is the use of $USDT as the gas and settlement asset. $STABLE is used for staking and governance. Staking earns USDT rewards. The only advantage of this design is that it benefits USDT users, as they don't need to prepare additional gas fees, which is indeed convenient. My expectations are relatively low, primarily because various questionable practices occurred during the early stages of the project, raising concerns about the project's seriousness. Meanwhile, the overall goal of the project is to gain more USDT market share. However, Plasma has essentially proven that the existing USDT market is very fixed, making it difficult to compete for market share. Therefore, the key becomes the story both stablecoin projects have told: attracting more enterprise-level demand. Whether this can be achieved is a crucial factor, and everyone can assess it for themselves. If they cannot expand into the external market and cannot capture the existing market, they may have to rely on subsidies to survive. Once token rewards stop, there will be no more supply. 6. Other (1) Curve begins deploying in the foreign exchange market Swiss Franc <-> US Dollar; current liquidity is low. Adding to watch for future deployments and data. (2) Aerodrome repurchased 800K tokens To date, over 150 million AERO units have been acquired and locked in. New to watch: some AERO holdings were added during this recent market downturn. (3) Revert now supports Uniswap V4 I've been using this LP data tool for a while now; it's great.

Author: PANews

2025/12/09

James Freeland: The Young UK Entrepreneur Behind Multiple High-Performing E-commerce Brands

James Freeland: The Young UK Entrepreneur Behind Multiple High-Performing E-commerce Brands

    James Freeland, is a 19-year-old entrepreneur from Edinburgh, Scotland. Starting his business journey at just 13 years old selling digital game codes and virtual products online, James went from earning a few hundred dollars a month to generating multiple seven figures across his e-commerce brands. Early rise in Digital Entrepreneurship Freeland’s entrepreneurial journey started […] The post James Freeland: The Young UK Entrepreneur Behind Multiple High-Performing E-commerce Brands appeared first on TechBullion.

Author: Techbullion

2025/12/09

CEX vs DEX 2025: Centralized vs Decentralized Exchanges

CEX vs DEX 2025: Centralized vs Decentralized Exchanges

A closer look at the key differences between centralized and decentralized exchanges. Which one is better for you?

Author: CryptoPotato

2025/12/09

Promising crypto projects and ICOs IDOs in 2025 2026

Promising crypto projects and ICOs IDOs in 2025 2026

Top Crypto Projects Set to Shape the Future: UK Outlook for 2025 and Beyond In the rapidly evolving digital asset landscape, UK traders and investors are increasingly turning to advanced platforms like Trade Age AI to identify high-potential crypto projects poised to make a significant impact in the coming years. In this article, we’ll explore […] The post Promising crypto projects and ICOs IDOs in 2025 2026 appeared first on TechBullion.

Author: Techbullion

2025/12/09

The Only New DeFi Crypto Under $0.05 That Investors Say Could Hit a 20x by 2027, Here’s Why

The Only New DeFi Crypto Under $0.05 That Investors Say Could Hit a 20x by 2027, Here’s Why

Investors have put the spotlight on a fast-emerging DeFi altcoin that is priced below $0.05, and they consider that it could have one of the least messy long-term structures going into the next market cycle. As the development updates morph in line and the demand increases in Q4, Mutuum Finance (MUTM) is gaining popularity as […]

Author: Cryptopolitan

2025/12/09

California Man Pleads Guilty to Laundering Millions in Stolen Bitcoin from Gaming Scheme

California Man Pleads Guilty to Laundering Millions in Stolen Bitcoin from Gaming Scheme

The post California Man Pleads Guilty to Laundering Millions in Stolen Bitcoin from Gaming Scheme appeared on BitcoinEthereumNews.com. The gaming-based Bitcoin theft scheme involved a social engineering operation that stole over 4,100 Bitcoin, valued at $263 million, from U.S. crypto investors. Perpetrator Evan Tangeman pleaded guilty to laundering millions, marking the ninth conviction in this RICO conspiracy case prosecuted by the U.S. Justice Department. Gaming friendships evolve into a criminal network using social engineering to target wealthy crypto holders. The group laundered stolen funds into luxury purchases like mansions, exotic cars, and private jets. Over 4,100 Bitcoin stolen, now worth more than $370 million, with nine guilty pleas and ongoing arrests including international suspects. Gaming-based Bitcoin theft scheme: Uncover how online friends turned a social engineering scam into a $263M crypto heist. Learn about guilty pleas, lavish spending, and FBI investigations. Stay informed on crypto security risks today. What is the gaming-based Bitcoin theft scheme? The gaming-based Bitcoin theft scheme refers to a sophisticated social engineering operation where a group of individuals, initially connected through online gaming platforms, targeted cryptocurrency investors across the United States. By posing as cybersecurity experts, they tricked victims into revealing wallet access, stealing over 4,100 Bitcoin valued at approximately $263 million at the time of the thefts. This RICO conspiracy, which began around October 2023, has led to multiple convictions, highlighting vulnerabilities in digital asset security. How did the gaming group execute the Bitcoin thefts? The scheme relied on stolen databases from hacked websites to identify high-value cryptocurrency holders. Group members then initiated phone calls, impersonating tech support to create urgency about supposed account breaches. Victims, trusting the callers, transferred control of their digital wallets, allowing thieves to siphon funds directly. According to details from the U.S. Justice Department, this method netted over 4,100 Bitcoin in a single major incident in August 2024, demonstrating the effectiveness of psychological manipulation in crypto crimes. The…

Author: BitcoinEthereumNews

2025/12/09

GoTyme and Alpaca Ally to Accelerate Crypto Adoption in Banking Sector

GoTyme and Alpaca Ally to Accelerate Crypto Adoption in Banking Sector

GoTyme shakes hands with Alpaca to bring secure multi-asset crypto support to millions of users which signals the rising global banking interest in crypto.

Author: Blockchainreporter

2025/12/09

JuanHand secures a multimillion-peso credit facility in the Philippines

JuanHand secures a multimillion-peso credit facility in the Philippines

WeFund Lending Corp., operator of the JuanHand online lending application, has secured a multimillion-peso credit facility with HSBC in the Philippines. The proceeds will be deployed to expand financial access for underserved yet creditworthy Filipinos. The credit facility aims to strengthen financial inclusion by providing immediate and sustainable access to financing for individuals with limited […]

Author: Bworldonline

2025/12/09

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