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.

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Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Best Crypto to Invest While BTC Fades, Why Analysts Predict a 900% Climb By Mid-2026

Best Crypto to Invest While BTC Fades, Why Analysts Predict a 900% Climb By Mid-2026

The post Best Crypto to Invest While BTC Fades, Why Analysts Predict a 900% Climb By Mid-2026 appeared first on Coinpedia Fintech News Bitcoin’s dominance is slowly shrinking as its volatility declines and ETF-driven maturity limits upside. Analysts notice that BTC’s risk-adjusted returns are becoming less attractive for large capital flows. With slower growth, investors are turning to mid-cap DeFi projects that provide real utility and tangible returns. Among these, Mutuum Finance (MUTM) is emerging as a top …

Author: CoinPedia
Ethereum Price Prediction: ETH Reclaims $3,000 as Mutuum Finance (MUTM) Zooms Past 95% Complete in Phase 6 Presale With $19M Raised

Ethereum Price Prediction: ETH Reclaims $3,000 as Mutuum Finance (MUTM) Zooms Past 95% Complete in Phase 6 Presale With $19M Raised

Ethereum has regained the $3,000 level with a strong recovery from long-term support and is setting the stage for a potential run-up and establishment of new year-high prices on the charts. This came about due to improved market liquidity and a fresh fascination with large-cap alternative coins, leading to a positive outlook on the future […]

Author: Cryptopolitan
Tether Dominates CeFi Lending at $25B Peak Since 2022

Tether Dominates CeFi Lending at $25B Peak Since 2022

The post Tether Dominates CeFi Lending at $25B Peak Since 2022 appeared on BitcoinEthereumNews.com. The CeFi lending market has surged to $25 billion in outstanding loans during Q3 2024, marking its highest level in over three years and reflecting greater transparency and stability compared to past cycles. CeFi lending market reaches $25 billion in Q3 2024, up over 200% since early this year, driven by transparent platforms like Tether and Nexo. Unlike the 2022 peak, today’s market emphasizes full collateralization and stricter risk controls following major platform collapses. DeFi lending complements this growth, hitting a record $41 billion in Q3 2024, pushing total crypto borrowing to $65.4 billion. Explore the booming CeFi lending market at $25 billion in Q3 2024, with Tether leading at 60% share. Discover transparency gains and DeFi highs—stay ahead in crypto finance today. What is driving the growth of the CeFi lending market in 2024? The CeFi lending market has experienced significant expansion, reaching nearly $25 billion in outstanding loans by the end of Q3 2024, its highest since early 2022. This growth, up more than 200% from the start of the year according to Galaxy Research, stems from increased transparency among key players like Tether, Nexo, and Galaxy, replacing less stable predecessors. The shift follows lessons from past collapses, fostering conservative lending practices and full collateral requirements. How has the CeFi lending landscape evolved since 2022? The CeFi lending landscape has transformed dramatically since the 2022 market downturn. Previously dominated by platforms such as Genesis, BlockFi, Celsius, and Voyager—which suffered heavily from exposures to FTX’s collapse in November 2022 and Celsius’s earlier bankruptcy in July 2022 due to Three Arrows Capital—the market now prioritizes transparency and risk management. Galaxy Research reports that new entrants have filled the void, with Tether holding $14.6 billion in open loans as of September 30, 2024, capturing 60% of the market share. Nexo follows…

Author: BitcoinEthereumNews
👨🏿‍🚀TechCabal Daily – Google’s AI brain is coming to Nigeria

👨🏿‍🚀TechCabal Daily – Google’s AI brain is coming to Nigeria

In today's edition: Google to revamp AI curricula in Nigeria || 27 banks have turned to the markets for capital, says CBN || Kenya has lost $200 million to cybercrimes this year || Special Number

Author: Techcabal
Stablecoins in 2025: You're in the Dream of the Red Chamber, I'm in Journey to the West

Stablecoins in 2025: You're in the Dream of the Red Chamber, I'm in Journey to the West

2025 was a year of excitement and division for stablecoins, starting with the US Genius Act's definition of stablecoin compliance, followed by Hong Kong's passage of the Stablecoin Ordinance, which sparked heated discussions about offshore RMB stablecoins and debates about the digital RMB, culminating in the final chapter of stablecoins in mainland China in 2025. Who is in the Dream of the Red Chamber, and who is in Journey to the West? We probably all have the answer in our hearts. However, we need to look beyond the surface to understand the essence. We need to clarify the underlying logic of stablecoins in 2025 and see the future development trends. What has changed fundamentally about stablecoins that have garnered global attention in 2025, and what hasn't actually changed at all? At the 2025 Financial Street Forum Annual Meeting in October, Pan Gongsheng, Governor of the People's Bank of China, stated: "Since 2017, the People's Bank of China, together with relevant departments, has successively issued a number of policy documents to prevent and deal with the risks of domestic virtual currency trading and speculation. These policy documents are still in effect. In the next step, the People's Bank of China will work with law enforcement agencies to continue to crack down on the operation and speculation of domestic virtual currencies, maintain economic and financial order, and at the same time closely monitor and dynamically assess the development of overseas stablecoins." We will focus on: "Policy documents remain in effect" and "Dynamically assess the development of offshore stablecoins". I. Mainland regulators' attitude towards virtual currencies remains unchanged – continued crackdown. 1.1 Mainland China Regulation: The Virtual Currency Nature of Stablecoins Recently, 13 ministries held a meeting to define the legal status of stablecoins under the mainland's regulatory system: http://www.pbc.gov.cn/goutongjiaoliu/113456/113469/5916794/index.html On November 28, 2025, the People's Bank of China convened a meeting of the coordination mechanism for combating speculation in virtual currency trading. Officials from the Ministry of Public Security, the Cyberspace Administration of China, the Central Financial Stability and Development Office, the Supreme People's Court, the Supreme People's Procuratorate, the National Development and Reform Commission, the Ministry of Industry and Information Technology, the Ministry of Justice, the People's Bank of China, the State Administration for Market Regulation, the State Financial Regulatory Commission, the China Securities Regulatory Commission, and the State Administration of Foreign Exchange attended the meeting. The meeting pointed out that in recent years, all units have earnestly implemented the decisions and deployments of the CPC Central Committee and the State Council, and in accordance with the requirements of the "Notice on Further Preventing and Handling Risks of Virtual Currency Trading and Speculation" jointly issued by the People's Bank of China and ten other departments in 2021, have resolutely cracked down on virtual currency trading and speculation, rectified the chaos in the virtual currency market, and achieved significant results. Recently, affected by various factors, virtual currency speculation has resurfaced, and related illegal and criminal activities have occurred from time to time, posing new challenges and new situations for risk prevention and control. The meeting emphasized: Virtual currencies do not have the same legal status as legal tender, do not have legal tender status, and should not and cannot be used as currency in the market. Virtual currency-related business activities are illegal financial activities. Stablecoins are a form of virtual currency that currently cannot effectively meet requirements for customer identification and anti-money laundering, and are at risk of being used for illegal activities such as money laundering, fundraising fraud, and illegal cross-border fund transfers. The meeting required all units to adhere to the guidance of Xi Jinping Thought on Socialism with Chinese Characteristics for a New Era, fully implement the spirit of the 20th National Congress of the Communist Party of China and its subsequent plenary sessions, regard risk prevention and control as the perpetual theme of financial work, continue to uphold the prohibitive policy on virtual currencies, and persistently crack down on illegal financial activities related to virtual currencies. All units should deepen coordination and cooperation, improve regulatory policies and legal basis, focus on key links such as information flow and capital flow, strengthen information sharing, further enhance monitoring capabilities, severely crack down on illegal and criminal activities, protect the property safety of the people, and maintain the stability of the economic and financial order. 1.2 The attitude of mainland regulators towards virtual currencies remains unchanged. Yesterday's meeting was a concrete implementation of the "Notice on Further Preventing and Handling Risks of Virtual Currency Trading and Speculation" (Yinfa [2021] No. 237) issued in 2021, demonstrating that "the policy document remains valid." https://www.gov.cn/zhengce/zhengceku/2021-10/08/content_5641404.htm Including stablecoins within the category of virtual currencies means that stablecoin/virtual currency-related business activities constitute illegal financial activities. "We will continue to uphold our prohibitive policy towards virtual currencies and persistently crack down on illegal financial activities related to virtual currencies." The rhetoric represents a trend toward stricter enforcement; previously, the descriptions of illegal financial activities involving virtual currencies were illustrative, but now they are direct and general. Although virtual currencies are recognized as "virtual commodities" in China (with their property attributes partially acknowledged in criminal and civil judicial practice), their place of existence as "financial assets" or "settlement tools" has been completely eradicated in mainland China. 1.3 The practitioners remain unchanged – walking on thin ice Although stablecoins have been included in the scope of virtual currencies under the mainland's regulatory framework, let's think back and see what changes this brings to industry practitioners. Actually, no. We are still expanding overseas, still operating within compliance regulations, obtaining licenses in the relevant jurisdictions, and fulfilling the regulatory requirements of various regions. It's still like walking on thin ice. II. The financial infrastructure based on blockchain has changed – dynamically assessing the development of overseas stablecoins The U.S. Genius Grant Act provides a clear definition for stablecoins: "Payment stablecoins" are digital currencies that rely on distributed ledgers, are pegged to national fiat currencies, and are used for payments and settlements. Let's set aside for now the various forms of digital currency: stablecoins, deposit tokens, and CBDCs. What has changed? — The ledgers on which assets are based have changed, becoming more efficient, more convenient, and more globalized. This is what Europe and America are flocking to; it's what Blackrock's CEO stated: "asset tokenization" will lead the next financial revolution; it's the Federal Reserve's "historic" meeting where they actively discussed embracing this innovation; it's the direction of Nasdaq's transformation: tokenized trading, tokenized IPOs, and 24/7 trading. This is also a point that mainland regulators need to dynamically assess – the financial infrastructure based on blockchain, regardless of what kind of digital assets are running on it. 2.1 Starting from the origins of blockchain As Dr. Xiao said, we need to start from the origin of blockchain, from first principles, and from the basics, to examine the currently hotly debated digital currencies/crypto assets, the crypto market, and the blockchain technology behind them. What is the essence of finance? It is the mismatch of value across time and space. This essence has remained unchanged for millennia. Blockchain-based new finance can greatly improve the efficiency of finance: Transcending time. This is reflected in two aspects: firstly, the time value of money; and secondly, transactions and settlements. Cross-space. Globally, value allocation across spaces. The way value is transferred. Just as the essential attributes (measure of value) and core function (medium of exchange) of money remain unchanged, despite the evolution of its various forms and manifestations such as shells, tokens, cash, deposits, electronic money, and stablecoins, the essence of finance remains the same. The key question is how to provide better financial services in a distributed, digitalized, and time-transcending context. 2.2 New Financial Infrastructure Compared to traditional finance, the biggest innovation of new finance lies in the change in the way accounting is done—the blockchain, a transparent and publicly accessible global public ledger. Humanity's accounting methods have only changed three times in thousands of years, each profoundly shaping economic forms and social structures, and each breakthrough reflecting the co-evolution of technology and civilization. The single-entry bookkeeping system of the Sumerian period (around 3500 BC) enabled humanity to overcome the limitations of oral communication for the first time, promoting early trade and the formation of states, as it necessitated the recording of taxes and trade. Commercial dispute clauses appeared in the ancient Babylonian Code of Hammurabi. Double-entry bookkeeping played a significant role in the commercial revolution of the Renaissance (14th-15th centuries). The prosperity of trade among Mediterranean city-states, the investment of Genoa's fleet, and the Medici family's transnational bank all required complex financial instruments, which in turn spurred the emergence of banks and multinational corporations and the establishment of commercial credit. What followed was the distributed ledger technology we are familiar with, which was driven by Bitcoin in 2009, leading to decentralized finance, changes in trust mechanisms, and the rise of digital currencies. This new financial system, revolutionized by distributed ledger technology, is inextricably linked to blockchain, smart contracts, digital wallets, and programmable currencies. Blockchain, as the ledger settlement layer of financial infrastructure, was initially designed to solve the problem of eventual consistency in payment clearing. The combination of digital currencies built on distributed ledgers and smart contracts can bring limitless possibilities to the new financial system: near-instantaneous settlement, 24/7 availability, low transaction costs, and the programmability, interoperability, and composability with DeFi inherent in digital currency tokens themselves. Therefore, the new finance mainly presents three major changes: First, the accounting method has changed from centralized double-entry bookkeeping to decentralized distributed bookkeeping; Second, the account changes from a bank account to a digital wallet; Third, the accounting unit has changed from legal tender to digital currency. The most important distributed ledger emerged because of its digital characteristics that span time, space, and organization. 2.3 The dramatic changes in financial infrastructure Therefore, regardless of the various forms of digital currency—stablecoins, deposit tokens, CBDCs—the financial infrastructure based on blockchain has undergone a radical transformation. What seeds have been sown here? What makes digital currency unique is that it sits at the intersection of three massive markets: payments, lending, and capital markets. Not to mention the value channel of the future AI-based silicon civilization. Despite the wave of deglobalization caused by geopolitical factors, we will still be brought together by the unified ledger of blockchain, and you will find that the world really is flat. Just like the book says: "We wanted transoceanic planes, but we invented Zoom instead." III. In Conclusion In fact, the key points that "policy documents remain valid" and "dynamically assess the development of overseas stablecoins" still provide us with guidance. Although the reality of stablecoins in 2025 may seem surreal, like "you're in the Dream of the Red Chamber, I'm in Journey to the West." "I am on the journey to the West" is about leaving home, spiritual practice, the obsession with overcoming the eighty-one tribulations, and the ambition to explore the next generation of financial infrastructure. In 2008, Modern Sky released a music compilation album called "You Are in the Dream of the Red Chamber, I Am in Journey to the West", which was inspired by "Dream of the Red Chamber" and "Journey to the West" and reinterpreted classic songs, forming a cultural dialogue between classical and modern, East and West, and fantasy and reality. You go on your journey through the mortal world, while I embark on my long and arduous journey. But in the end, we may all arrive at the same destination by different paths.

Author: PANews
Ethereum Price Falls Under $3,000, But Experts Say Supercycle Is Just ‘Starting’

Ethereum Price Falls Under $3,000, But Experts Say Supercycle Is Just ‘Starting’

The post Ethereum Price Falls Under $3,000, But Experts Say Supercycle Is Just ‘Starting’ appeared first on Coinpedia Fintech News The cryptocurrency market has slipped into the red zone. Bitcoin has once again dipped below the $90k mark and Ethereum has crashed to $2800. Amid this tense situation, Sharplink CEO Joseph Chalom has opened up about a possible Ethereum supercycle.  In an interview with Milkroad, he said that a few years ago, explaining Ethereum to …

Author: CoinPedia
Best Crypto to Buy Now: LivLive ($LIVE) Leads the Top Crypto with 1000x Potential Pack, Featuring ETH, BTC, and SOL

Best Crypto to Buy Now: LivLive ($LIVE) Leads the Top Crypto with 1000x Potential Pack, Featuring ETH, BTC, and SOL

The post Best Crypto to Buy Now: LivLive ($LIVE) Leads the Top Crypto with 1000x Potential Pack, Featuring ETH, BTC, and SOL appeared on BitcoinEthereumNews.com. The top crypto with 1000x potential often emerges from market uncertainty, turning short term setbacks into long term fortunes. Is the December 2025 crypto price correction a moment of panic or a massive buying opportunity? History shows that millionaires are made when smart capital moves against the crowd. This Black Friday, the focus shifts to foundational assets like Bitcoin, Ethereum, Solana, Chainlink, Polygon, and especially the innovative LivLive ($LIVE). LivLive ($LIVE) is making major waves, proving it is a rock solid project from the start. Its presale has already secured over $2.1 million in funding from more than 300 early adopters. With its Stage 1 price set at just $0.02, and the launch price targeting $0.25, the potential for early gains is immense. This unique position makes LivLive an unmissable contender for the top crypto with 1000x potential title. LivLive ($LIVE): $2.1M Raised, Price Set for $0.25 Launch, 300% Bonus Now! LivLive is pioneering a powerful real-world operating system, seamlessly blending AR, blockchain, and wearable technology. It transforms routine actions like walking, shopping, and leaving reviews into valuable digital assets, paid out in $LIVE tokens and XP. This approach creates a gamified AR layer over the physical world, rewarding genuine proof-of-action instead of passive screen time. This is the World’s First Global AR Game Layer for Reality, designed to benefit the early buyers and the community. Players explore their cities, much like in Pokémon GO, completing GPS-verified AR quests to earn $LIVE tokens. This literally turns daily life into an interactive, rewardable experience, providing genuine utility that strengthens long term value. Secure Huge Profits: The Limited Time BLACK300 Bonus Code LivLive is creating massive FOMO with its presale figures and bonus structure. The price is rapidly climbing from $0.02 (Stage 1) to $0.04 (Stage 2), indicating strong community conviction. Presale…

Author: BitcoinEthereumNews
Essential Alert: Binance Adds 5 Tokens Including SXP to Its Monitoring List

Essential Alert: Binance Adds 5 Tokens Including SXP to Its Monitoring List

BitcoinWorld Essential Alert: Binance Adds 5 Tokens Including SXP to Its Monitoring List In a significant move for market integrity, Binance, the world’s largest cryptocurrency exchange, has placed five new digital assets under its microscope. The exchange announced the addition of SXP, CHESS, DENT, DF, and GHST to its monitoring list. This action directly impacts traders and signals the platform’s ongoing commitment to a secure trading environment. But what does landing on this list actually mean for a token’s future? Let’s break it down. What Is the Binance Monitoring List and Why Does It Matter? Think of the Binance monitoring list as an observatory for digital assets. Tokens placed here are not delisted; instead, Binance flags them for closer scrutiny. The exchange evaluates them against a set of rigorous criteria, including trading volume, liquidity, network stability, and team commitment. Therefore, this process acts as an early warning system for the community, highlighting potential risks before they escalate. For traders, this is crucial information. A token on the monitoring list may face higher volatility or eventual removal if it fails to meet Binance’s standards. The primary goal is transparency. By proactively identifying tokens that may be underperforming or risky, Binance empowers users to make more informed decisions. Which 5 Tokens Are Now Under the Spotlight? The latest batch added to the Binance monitoring list includes a mix of projects from different sectors of the crypto ecosystem. Here is a quick overview of each token: SXP (Swipe): The native token of the Swipe Wallet and a core asset for the SXP ecosystem. CHESS: The governance token for the Tranchess protocol, a yield-enhancing asset management platform. DENT: Powers the DENT Wireless platform, focused on mobile data and eSIM services. DF: The token for dForce, a decentralized finance (DeFi) protocol offering lending and synthetic assets. GHST: The utility token for Aavegotchi, a DeFi-enabled NFT gaming universe. Their inclusion does not imply wrongdoing. However, it indicates that Binance has observed metrics that warrant a formal review period for these specific assets. What Are the Potential Outcomes for Listed Tokens? Being on the Binance monitoring list is a critical juncture for any project. The outcome typically follows one of two paths. First, and most favorably, the project team can address the concerns raised by Binance. This could involve boosting network activity, increasing development updates, or improving community engagement. If successful, the token is removed from the list and continues trading normally. Conversely, if a token fails to show sufficient progress or its fundamentals deteriorate further, Binance may proceed with delisting. This action usually leads to a sharp decline in liquidity and price for the token. Consequently, projects on the list often work diligently to reassure their communities and demonstrate their long-term viability. How Should Traders and Investors React? If you hold any of these five tokens, don’t panic. The key is to stay informed and assess your position rationally. Here are actionable steps to consider: Review Project Updates: Closely follow the official channels of the affected projects for their response and action plan. Assess Your Risk Tolerance: Evaluate if holding a token under review aligns with your investment strategy. Monitor Trading Activity: Be prepared for possible increased volatility as the market digests this news. Diversify: This event underscores the importance of not over-concentrating your portfolio in a single asset. Remember, the Binance monitoring list is a tool for risk management, not a final verdict. Savvy investors use this information to conduct deeper due diligence. Conclusion: A Proactive Step for a Maturing Market Binance’s decision to add SXP, CHESS, DENT, DF, and GHST to its monitoring list reflects the exchange’s vital role as a market steward. This proactive measure enhances ecosystem health by encouraging project accountability and providing clear risk signals to users. Ultimately, such practices are essential for building sustainable trust in the cryptocurrency industry. While it presents a challenge for the involved projects, it also offers them a clear opportunity to demonstrate their resilience and commitment to their users. Frequently Asked Questions (FAQs) Q1: Does being on the Binance monitoring list mean the token will be delisted?A: Not necessarily. It is a warning that the token is under review. Delisting only occurs if the project fails to improve and meet Binance’s listing criteria during the monitoring period. Q2: Can I still trade tokens on the monitoring list?A: Yes, trading for these tokens continues normally on Binance unless a formal delisting announcement is made. Q3: How long does a token typically stay on the monitoring list?A: There is no fixed timeframe. The duration depends on how quickly the project addresses Binance’s concerns and the subsequent re-evaluation by the exchange. Q4: What are the main reasons a token gets added to this list?A: Common reasons include low trading volume and liquidity, weak development activity, network instability, or lack of communication from the project team. Q5: Where can I check the official Binance monitoring list?A: You can find the official and updated monitoring list on the Binance Announcements page or within their support documentation. Q6: Should I immediately sell a token that appears on the list?A: This is a personal decision based on your risk assessment. It is advisable to research the project’s response and future plans before making any hasty trading decisions. Found this breakdown of the Binance monitoring list update helpful? Share this essential guide with fellow traders on X (Twitter), Telegram, or your favorite social platform to help them navigate this market development wisely. To learn more about the latest cryptocurrency exchange trends, explore our article on key developments shaping market surveillance and token health assessments. This post Essential Alert: Binance Adds 5 Tokens Including SXP to Its Monitoring List first appeared on BitcoinWorld.

Author: Coinstats
Digitap ($TAP) is the Best Crypto to Buy in a Bear Market: Why Solana Whales Are Switching

Digitap ($TAP) is the Best Crypto to Buy in a Bear Market: Why Solana Whales Are Switching

The post Digitap ($TAP) is the Best Crypto to Buy in a Bear Market: Why Solana Whales Are Switching appeared first on Coinpedia Fintech News Bear markets expose what is real and what is noise. That is exactly what is happening as Solana continues to slide. Whales who bought SOL below $10, or even below $20, captured a once-in-a-cycle move, but now that Solana trades at roughly $140 with a nearly $80 billion market cap, the trade looks very different.The …

Author: CoinPedia
Forget XRP’s Legacy, MUTM Is the Next Big Crypto to Hit $1 Faster Than DOGE

Forget XRP’s Legacy, MUTM Is the Next Big Crypto to Hit $1 Faster Than DOGE

The post Forget XRP’s Legacy, MUTM Is the Next Big Crypto to Hit $1 Faster Than DOGE appeared first on Coinpedia Fintech News XRP and DOGE defined earlier crypto cycles, achieving massive growth through speculative momentum. While their gains were impressive, they lacked working DeFi utility and systematic revenue models. The next era of crypto will reward projects with functional platforms, duanl-lending systems, and stablecoin mechanics. Mutuum Finance (MUTM) is emerging as a DeFi crypto designed to reach …

Author: CoinPedia