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.

15846 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Fresh Altcoin Flows Indicate New Altseason, Boosting The Best Altcoins to Buy Now

Fresh Altcoin Flows Indicate New Altseason, Boosting The Best Altcoins to Buy Now

Quick Facts: ➡️ Bitcoin Hyper’s Layer-2 introduces SVM-driven, ultra-low-latency smart contracts to Bitcoin, enabling DeFi, payments, and gaming secured by $BTC settlement. ➡️ PEPENODE’s virtual node mining and gamified incentives extend meme coin lifecycles and drive sustained community engagement. ➡️ Binance Coin remains a blue-chip ecosystem token, supporting deep DeFi activity and processing hundreds of […]

Author: Bitcoinist
ETH trades near fair value territory as price recovers to $3,000 territory

ETH trades near fair value territory as price recovers to $3,000 territory

ETH is trading at fair value, neither oversold or overbought, after recovering to over $3,000.

Author: Cryptopolitan
Bitcoin Ready For $250,000 As ETF Basis Trade Dies, Says Arthur Hayes

Bitcoin Ready For $250,000 As ETF Basis Trade Dies, Says Arthur Hayes

Arthur Hayes believes Bitcoin’s October flush to $80,000 marked the end of a liquidity-driven reset, not the start of a new bear market – and that the structural forces that pushed BTC down are now reversing. $80,000 Was The Bottom As Dollar Liquidity Turns In a Milk Road Show episode recorded November 26 and released November 27, the BitMEX co-founder argued that the much-celebrated US spot ETF “institutional bid” was largely a leveraged basis trade that has now run its course at the same time as US dollar liquidity appears to have bottomed. “And so that’s why I believe that the $80,000 dip on Bitcoin recently is the bottom,” Hayes said. “And now we’re going to have a supportive liquidity situation, at least marginally on the dollar, and we’re bottom here and can go higher.” Hayes is still openly targeting a blow-off move into the $200,000–$250,000 range by year-end, repeating the call from his recent “Snow Forecast” essay. “I’m going to stick with it,” he said. “If I’m wrong it doesn’t matter. I’m long, right? I’m still happy either way. It’s either $200k–$250k or not.” Related Reading: Bitcoin’s New ‘Line In The Sand’ May Be $82,000, Not $56,000: Analyst At the time of recording, the host noted Bitcoin was “back above $90K.” Hayes said ETF flow charts that dominated crypto social media in the spring and summer badly misled retail. He pointed to the largest holders of BlackRock’s iShares Bitcoin Trust (IBIT) – Brevan Howard, Goldman Sachs, Millennium, Avenue, Jane Street – as evidence that the dominant players were not long-only allocators. “These entities are not places where they’re just going to go long Bitcoin,” he said. Instead, they were running a standard basis trade: buying IBIT, pledging it as collateral and shorting CME futures. “They were making, let’s call it 7 to 10% per annum on that trade. They fund Fed funds at four-ish percent and they lever it up.” When the futures basis collapsed following the October 10 liquidation cascade, that trade had to be unwound by selling the ETF and covering futures shorts, flipping net ETF flows from strong inflows to outflows. Retail investors misread that as “institutions turning bearish.” “Retail thinks, ‘Oh no, institutions loved Bitcoin in the summer and now they hate it in the fall, therefore I need to get rid of my exposure as well,’ not understanding what was driving those flows in the first place,” Hayes said. He paired this with a second temporary pillar: listed digital asset treasury (DAT) companies that issue stock or debt to buy Bitcoin. Once those vehicles traded at net asset value or a discount, new issuance became uneconomic and in some cases incentivized selling BTC to buy back shares, removing another marginal buyer. Macro Conditions Are The Key Catalyst Against that micro backdrop, Hayes situates a much larger macro shift. He tracks a proprietary US dollar liquidity index built from Fed balance sheet series and commercial bank data. In his telling, roughly a trillion dollars of liquidity was drained from dollar money markets from July onward due to Treasury General Account (TGA) refilling and Federal Reserve quantitative tightening. Related Reading: Bitcoin Is Now Tied To A 2-Year Cycle, Warns Investment Firm CIO In 2023, then-Treasury Secretary Janet Yellen could offset that drain by issuing huge amounts of high-yielding T-bills that pulled about $2.5 trillion out of the Fed’s reverse repo facility back into the system. In 2025, he argues, Treasury Secretary Scott Bessent had no such reservoir to tap. Now, Hayes says, both the TGA rebuild and QT have effectively run their course. The TGA has been restored to its target zone, and the Fed has halted balance sheet runoff. “We have essentially bottomed on the liquidity chart and the direction in the future is higher,” he said, adding that markets are still waiting to see how the Trump administration actually delivers on promises of massive credit creation via industrial policy, bank lending and a more dovish Fed. He expects the next leg of liquidity to come more from commercial banks than the central bank, citing early signs of rising bank lending and public commitments from institutions like JPMorgan to finance large industrial programs. Hayes was equally direct on the October 10 wipeout, calling it a harsh lesson for underprepared leveraged traders rather than a coordinated hunt. “People think that I’m going to get off of work and trade leveraged crypto for a few hours and I’m going to somehow make money. No, you’re going to get liquidated,” he said. “If you are a proper trader, you should not get liquidated. Period.” On positioning, Hayes said he used the post-crash environment to buy what he considers fundamentally strong altcoins like Pendle, Ethena and EtherFi at levels last seen months earlier. He expects those to outperform ETH in the short term but still backs the long-term “institutional DeFi” narrative that could take Ethereum to “the $10,000 to $20,000 price by the end of the cycle.” For now, his core thesis is simple: the ETF basis trade is largely gone, the liquidity drain is over, leverage has been flushed – and the macro tide, in his view, is turning back in Bitcoin’s favour. At press time, BTC traded at $91,004. Featured image created with DALL.E, chart from TradingView.com

Author: NewsBTC
Top Crypto to Buy Now: Analysts Rank Mutuum Finance (MUTM) #1 as Presale Phase 6 Crosses 95% and V1 Launch Nears

Top Crypto to Buy Now: Analysts Rank Mutuum Finance (MUTM) #1 as Presale Phase 6 Crosses 95% and V1 Launch Nears

The post Top Crypto to Buy Now: Analysts Rank Mutuum Finance (MUTM) #1 as Presale Phase 6 Crosses 95% and V1 Launch Nears  appeared on BitcoinEthereumNews.com. Cryptocurrency analysts scouring the market to identify the best asset to own at this time are also listing MUTM at the forefront of their research due to the phenomenal speed at which the project’s popularity has grown beyond its projections. Currently at an advanced level of over 95% completed in Phase 6 of its presale, MUTM’s popularity has skyrocketed due to its impending release of its V1 protocol and the ever-expanding support of its DeFi ecosystem.  Priced at a meager $0.035, the token has already been purchased by over 18,250 buyers, raising nearly $19.02 million in this short period. As the best DeFi token requiring immediate support through tangible applications and community support rather than just hype and market speculations, MUTM has proven itself as the best-performing and best-to-own asset at this moment in the next market cycle. Mutuum Finance Presales Continue to Rise Mutuum Finance is emerging as one of the most awaited DeFi crypto platforms of 2025. Phase 6 of the presale has been valued at $0.035 and will be the last phase from which early users can benefit before the price rises to $0.04 in Phase 7. The platform also allows users to invest through direct Credit and Debit Card transactions, which ended the traditional hurdles of investing. As the level of market interest rises, MUTM also becomes one of the top crypto to buy before the presale phase moves ahead. Scalable and Trustworthy DeFi The Mutuum Finance platform focuses on the development of a decentralized lending and borrowing system which will promote the efficient and secure financing of digital assets. The platform allows users to lend assets in order to generate passive income streams through smart contract-driven transactions of every asset. In contrast to the purely speculatory-driven projects, according to the characteristics of Mutuum Finance, the…

Author: BitcoinEthereumNews
Smart Money Rotation – Institutional Investors Target Emerging DeFi Infrastructure Over Legacy Protocols

Smart Money Rotation – Institutional Investors Target Emerging DeFi Infrastructure Over Legacy Protocols

Institutional investors are rotating capital from established DeFi platforms to emerging infrastructure like Morpho, Virtual, and Hyper protocols.

Author: Blockchainreporter
UK Scraps DeFi Capital Gains Tax on Crypto Lending — “No Gain, No Loss” Until Sale

UK Scraps DeFi Capital Gains Tax on Crypto Lending — “No Gain, No Loss” Until Sale

The U.K. government has moved a step closer to overhauling how decentralized finance activity is taxed, backing a new framework that would spare users

Author: CryptoNews
Cardano Shows Resilience in Bug Disrupting Third-Party Services

Cardano Shows Resilience in Bug Disrupting Third-Party Services

The post Cardano Shows Resilience in Bug Disrupting Third-Party Services appeared on BitcoinEthereumNews.com. The Cardano bug incident disrupted third-party services for nearly 14 hours due to a chain split from human error, but the blockchain core remained operational with no funds lost. Validators coordinated swiftly to restore functionality, highlighting the network’s resilience and community-driven governance in maintaining integrity. Cardano’s blockchain integrity stayed intact during the bug incident, as blocks continued production without interruption to the core network. Quick validator coordination resolved the disruption efficiently, demonstrating strong community collaboration without centralization risks. The event, lasting about 14 hours, resulted in no financial losses, reinforcing Cardano’s anti-fragile design with over 99% uptime historically in similar tests. Discover how Cardano’s bug incident tested its resilience, with validators ensuring swift recovery and no losses. Explore the network’s strength in crisis—stay informed on ADA’s robust ecosystem today. What Happened in the Cardano Bug Incident? The Cardano bug incident involved a chain split triggered by human error, disrupting third-party services and preventing transactions for many users over nearly 14 hours. Despite this, the underlying blockchain operated continuously, producing blocks without halt and preserving network integrity. Advanced users could still interact, underscoring Cardano’s layered security that isolates peripheral issues from the core protocol. How Did Cardano’s Validators Respond to the Bug? Cardano’s validators demonstrated exemplary coordination during the bug incident, rapidly identifying the issue and aligning on a resolution without compromising the network’s decentralized principles. This human-led intervention, akin to crisis responses in established networks like Bitcoin and Ethereum, prevented escalation and restored full operations efficiently. Researcher Justin Bons, from Cyber Capital, praised this effort, stating it exemplified blockchain’s hybrid “cyborg” nature—merging automated tech with human oversight. No funds were lost, and the incident’s severity was mitigated by proactive community engagement, with the responsible party issuing a public apology. Bons further noted that such events, while challenging, build long-term strength,…

Author: BitcoinEthereumNews
Flare Network’s major upgrade is here: what’s the outlook for FLR price?

Flare Network’s major upgrade is here: what’s the outlook for FLR price?

The post Flare Network’s major upgrade is here: what’s the outlook for FLR price? appeared on BitcoinEthereumNews.com. Flare Network’s price rose amid momentum ahead of a key mainnet upgrade. The upgrade has been activated on Songbird and is scheduled for December 2, 2025, on mainnet. Gains across crypto and the upgrade buzz could boost FLR price. Flare, a layer 1 blockchain known for its interoperability and support for decentralized applications (dApps), is on the brink of a significant transformation. The network, which allows users to tap into its ecosystem to put XRP to work in decentralized finance, is on the verge of a major network upgrade. Could the Flare (FLR) price explode amid this development? Flare readies for major network upgrade As noted, Flare is preparing for two pivotal hard forks. The upgrade has already been successfully activated on the Songbird testnet. On Wednesday, the Flare team confirmed the mainnet upgrade is set for December 2, 2025, at 12:00 UTC. FLR price is up amid the successful completion of the Songbird network upgrade and the impending Flare mainnet upgrade. These upgrades are part of a broader strategy to integrate key components of the Cancun/Dencun fork, promising a more efficient and cost-effective environment for smart contracts. For investors and enthusiasts, the critical question is what this could mean for FLR. Notably, the upgrades introduce advanced Ethereum Virtual Machine (EVM) features. Co-founder Hugo Phillion commented on the development via X. Flare launched in a bear market. We shipped. Flare emerged into a bull market. We climbed the MCAP rankings. We shipped. Throw what you will at us. We will ship and climb. — Hugo Philion (@HugoPhilion) November 25, 2025 The aim is to boost performance, efficiency, and scalability. Key enhancements include the MCOPY opcode, which accelerates memory operations through chunk-based data transfers. There’s also TSTORE/TLOAD (Transient Storage), offering cost-effective temporary storage for high-throughput applications. According to the project, these…

Author: BitcoinEthereumNews
Best Crypto Presales to Buy as Bitcoin Climbs Above $90,000

Best Crypto Presales to Buy as Bitcoin Climbs Above $90,000

The crypto market is showing signs of potential revival as key indicators hint at increased liquidity and renewed investor confidence. After months of sideways price action, traders are closely monitoring the US dollar index (DXY) for signals that could spark the next major rally. Bitcoin and Ethereum remain central to market movements, but attention is […]

Author: The Cryptonomist
Blending Worlds: How to Integrate External IPs Without Losing Your Game’s DNA

Blending Worlds: How to Integrate External IPs Without Losing Your Game’s DNA

Bringing external IPs into your game? Here's how to do it right - without breaking your game's identity or player trust.

Author: Hackernoon