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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.

15846 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
How Do Cryptocurrencies Help Developing Countries?

How Do Cryptocurrencies Help Developing Countries?

Citizens of developing countries may have trouble accessing standard financial services, such as bank loans, mortgages, money transfers, or savings accounts. For many, cryptocurrencies offer a solution.

Author: Brave Newcoin

2025/11/28

PBOC sets USD/CNY reference rate at 7.0789 vs. 7.0779 previous

PBOC sets USD/CNY reference rate at 7.0789 vs. 7.0779 previous

The post PBOC sets USD/CNY reference rate at 7.0789 vs. 7.0779 previous appeared on BitcoinEthereumNews.com. On Friday, the People’s Bank of China (PBOC) sets the USD/CNY central rate for the trading session ahead at 7.0789 compared to the previous day’s fix of 7.0779 and 7.0769 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-70789-vs-70779-previous-202511280115

Author: BitcoinEthereumNews

2025/11/28

When Fintech Companies Discover Their IT Infrastructure Is Actually Their Competitive Moat

When Fintech Companies Discover Their IT Infrastructure Is Actually Their Competitive Moat

The fintech revolution promised to democratize finance, yet here’s the uncomfortable truth nobody discusses at industry conferences: enterprise IT solutions and comprehensive IT infrastructure services have become the invisible dividing line between fintech unicorns and the countless startups that never make it past Series A. Not the flashy AI algorithms or the slick user interfaces […] The post When Fintech Companies Discover Their IT Infrastructure Is Actually Their Competitive Moat appeared first on TechBullion.

Author: Techbullion

2025/11/28

Top Crypto Savings Accounts in Australia

Top Crypto Savings Accounts in Australia

Crypto savings accounts are a popular type of investment product that allow anyone to deposit crypto and earn interest on them over time. Instead of earning a lower rate on cash like in a regular savings account in the bank, you can earn a higher yield on your crypto by depositing them into a yield-generating […] The post Top Crypto Savings Accounts in Australia appeared first on Crypto News Australia.

Author: Cryptonews AU

2025/11/28

AAVE’s Steady Revenue Signals Potential Rebound Amid DeFi Outflows

AAVE’s Steady Revenue Signals Potential Rebound Amid DeFi Outflows

The post AAVE’s Steady Revenue Signals Potential Rebound Amid DeFi Outflows appeared on BitcoinEthereumNews.com. AAVE maintains strong revenue generation exceeding $100 million annually despite $10 billion in outflows and a 40% yearly price decline in the turbulent DeFi market. The protocol’s steady fees and high activity underscore its resilience amid broader sector challenges. DeFi outflows reach $60 billion, reducing TVL to $120 billion, yet AAVE sustains weekly revenues of $3 million. AAVE’s total fees hit $740 million over five years, reflecting robust platform usage. The token faces a key resistance at $190, with quarterly losses over 30% signaling stalled momentum. Discover how AAVE thrives in DeFi turbulence with over $100M revenue despite massive outflows. Explore price analysis and recovery potential for informed crypto investing today. What is AAVE’s Performance in the Current DeFi Market? AAVE, a leading decentralized finance protocol, continues to demonstrate resilience amid significant market outflows. Despite nearly $60 billion withdrawn from DeFi protocols according to DeFiLlama data, AAVE has generated over $100 million in annual revenue, with weekly figures averaging $3 million. This stability highlights the protocol’s core lending and borrowing mechanisms, which remain active even as total value locked falls to around $120 billion. How Does AAVE Generate Revenue Amid Sector-Wide Challenges? AAVE’s revenue model relies on interest from loans, flash loans, and protocol fees, which have proven durable. Data from DeFiLlama shows the protocol achieving its highest five-year revenue at $740 million in total fees, even with $10 billion in outflows specific to AAVE. Short sentences outline the process: Users deposit assets to earn interest; borrowers pay fees to access liquidity. This structure supports consistent income, as evidenced by recent reports indicating no slowdown in borrowing activity. Experts note that AAVE’s governance token incentivizes participation, further bolstering fee generation during volatility. The DeFi ecosystem faces heightened fear, uncertainty, and doubt, with investors pulling back sharply. According to DeFiLlama, total…

Author: BitcoinEthereumNews

2025/11/28

UK Considers New Tax Framework for DeFi Assets

UK Considers New Tax Framework for DeFi Assets

The post UK Considers New Tax Framework for DeFi Assets appeared on BitcoinEthereumNews.com. Key Points: UK plans deferral of tax liabilities for DeFi deposits. Proposed by HM Revenue and Customs. Impact on ETH and ERC-20 tokens in DeFi protocols. The UK government, through HM Revenue and Customs, is proposing a new tax framework for DeFi users, affecting cryptocurrency lending and liquidity pools, as reported on November 28th. This proposal could reduce upfront tax burdens for DeFi users in the UK, aligning tax rules with DeFi operations and simplifying compliance. UK’s ‘No Profit, No Loss’ Principle for Crypto Lending HM Revenue and Customs has released proposals supporting a “no profit, no loss” principle for crypto lending and liquidity pools. The new tax framework discourages tax on routine DeFi interactions, impacting tokens like Ethereum. HMRC cryptoassets manual detailing guidelines and regulations aims to reduce administrative burdens by aligning with DeFi operations. These changes mean users will pay taxes only when they trade or sell assets for a profit. The proposal has been a relief for DeFi users as they avoid immediate tax liabilities. HM Revenue and Customs continues to consult industry experts to finalize the framework. Market participants have responded positively, viewing it as a step forward. Industry experts appreciate the effort to align tax laws with DeFi activities. A new framework aims to align tax rules more closely with DeFi operations to reduce administrative burdens and avoid unreasonable taxation on routine protocol interactions. Ethereum’s Market Position and Global Tax Implications Did you know? This proposal could set a global precedent in crypto tax policy, offering a balanced approach amid growing industry complexity. As of November 27, 2025, Ethereum, a key token in DeFi, trades at $3,015.51 with a market cap of 363.96 billion USD, holding an 11.69% market dominance as per CoinMarketCap. Recent months have seen Ethereum’s price fluctuating, showing a 6.30% rise in…

Author: BitcoinEthereumNews

2025/11/28

How AAVE maintains $100M yearly revenue despite $60B DeFi wipeout

How AAVE maintains $100M yearly revenue despite $60B DeFi wipeout

The post How AAVE maintains $100M yearly revenue despite $60B DeFi wipeout appeared on BitcoinEthereumNews.com. Journalist Posted: November 28, 2025 Key Takeaways How is AAVE performing amid broader DeFi market turbulence? Despite $10 billion in outflows and a 40% annual price drop, AAVE continues to generate over $100 million in annual revenue. What needs to happen for the altcoin to regain momentum? The altcoin must break above the $190 resistance level. Its steady revenue supports a potential rebound if market sentiment improves. The market FUD hasn’t spared the DeFi ecosystem.  According to DeFiLlama, investors withdrew nearly $60 billion across protocols, pushing total TVL down to early-July levels of around $120 billion. Aave [AAVE] was no exception, seeing about $10 billion in outflows. And yet, AAVE is still generating over $100 million in annual revenue, with weekly revenues averaging about $3 million, highlighting the protocol’s resilience despite market turbulence. Source: DeFiLlama Notably, its latest income statement reports the highest five-year revenue, and total fees reached $740 million, proving that activity on the platform remains strong despite broader DeFi outflows. In short, AAVE holds strong.  Even as the broader DeFi market loses billions, the protocol continues to generate substantial revenue and maintain robust fee activity, cementing its position as one of the most resilient platforms in the space. Resistance remains heavy as AAVE momentum stalls AAVE’s technical structure reflects the broader market FUD. Quarterly, the token is down over 30%. Yearly, it stands out as one of the weakest performers among major DeFi assets, sliding nearly 40%. This puts AAVE in a vulnerable spot heading into the year-end. And while the protocol’s fundamentals look solid, the chart isn’t reflecting it. On the daily timeframe, flipping the $190 resistance won’t be easy. Momentum is still soft, and buyers haven’t shown enough conviction yet. Source: TradingView (AAVE/USDT) Going forward, AAVE needs a break above resistance to flip momentum.  In…

Author: BitcoinEthereumNews

2025/11/28

The UK has proposed introducing a "no profit, no loss" tax rule for DeFi.

The UK has proposed introducing a "no profit, no loss" tax rule for DeFi.

PANews reported on November 28th that, according to CoinDesk, the UK government is developing a new tax framework that could benefit DeFi users. Proposals released this week show that HM Revenue and Customs supports a "no profit, no loss" principle for cryptocurrency lending and liquidity pool arrangements. Under the current system, DeFi users depositing funds into protocols, even just for profit or as collateral for loans, can trigger capital gains tax. The new measure will postpone tax payment until an economically meaningful asset disposal occurs. This means that users depositing cryptocurrencies into lending protocols or providing tokens to automated market makers will no longer need to pay tax on the deposit itself, but only when they eventually sell or trade the assets and realize a profit or loss. The proposal aims to align tax rules with the practical operations of DeFi, thereby reducing administrative burdens and avoiding unreasonable tax outcomes. The new principles also apply to complex multi-token arrangements: if a user withdraws more tokens than they deposited, the profit will be taxed; if less, it will be considered a loss. However, this model is not yet finalized, and the government is still consulting with professionals and DeFi developers. While HM Revenue and Customs has not set a legislative timetable, it has stated it will continue to engage with the industry to assess the necessity of such legislation.

Author: PANews

2025/11/28

Chainlink Leads DeFi Development as Crypto Market Begins Epic Rebound

Chainlink Leads DeFi Development as Crypto Market Begins Epic Rebound

The post Chainlink Leads DeFi Development as Crypto Market Begins Epic Rebound appeared on BitcoinEthereumNews.com. Key Insights: Chainlink (LINK) price in focus as it tops the latest Santiment ranking for active DeFi development. New tokenized stock tools on Solana use Chainlink pricing. Chainlink secures most oracle value, holding a strong lead in the sector. Chainlink (LINK) price is in the limelight as it is leading new DeFi development activity. Several data points show rising work across major blockchain projects. The shift comes while the wider crypto market begins to show early signs of recovery and developers expand new use cases on Solana and other networks. Chainlink Leads Santiment’s New DeFi Development Ranking It is worth noting that the latest Santiment ranking placed Chainlink (LINK) at the top of active DeFi development. The list reviewed real development events from GitHub and removed low-value actions, which gives a clearer picture of actual work. Chainlink holds the first position on the chart. DeepBook and DeFiChain follow next. FOX, Lido DAO, Babylon, Injective, Curve, and Osmosis also appeared in the top group. In a medium article, Santiment explained that development activity helps show how much attention each ecosystem receives from its builders. The ranking covered developers who write code, update features, and keep systems stable. Chainlink DeFi Development Profile | Source: Santiment This focus is important because users often look at active development to understand which projects might remain strong over time. The ranking also highlights the range of teams still building even during market swings. Still, work continues across different chains. Each project shows a mix of steady progress and industry-specific changes. Chainlink remains one of the most active projects in the space, which reflects its wider role across many networks. The chart shared in the ranking shows Chainlink with a comfortable lead in development activity over the past 30 days. Other projects move up or down in…

Author: BitcoinEthereumNews

2025/11/28

Heading to 2026: Top Crypto Public Companies to Watch

Heading to 2026: Top Crypto Public Companies to Watch

Original author: Drew Anderson, VanEck Original title: Top Blockchain Companies to Watch Leading into 2026 Original translation by: Rhythm Worker, BlockBeats Key points: - Leaders in the blockchain industry are no longer limited to a single sector, but are found across mining, fintech, energy, and even the semiconductor industry. Large companies like Coinbase, Nvidia, and Block are pushing hard to apply blockchain technology in the real world. - As we move toward 2026, asset tokenization, stablecoins, and on-chain settlement are fundamentally reshaping capital markets. What is blockchain? Why is it important to the crypto space? Blockchain is essentially a decentralized digital ledger that records transactions through a computer network, ensuring transparency, security, and immutability without the need for a centralized authority. Each "block" on the chain contains a set of verified transactions that cannot be altered once added—thus creating a trustworthy and tamper-proof record. This technology is the cornerstone of all cryptocurrencies, enabling peer-to-peer value transfer, smart contracts, and decentralized applications (DApps). By eliminating intermediaries and reducing the risk of fraud, blockchain has become a core element of the crypto economy's growth and the establishment of trust. As blockchain technology matures and integrates into the mainstream financial system, the "on-chain economy" is developing rapidly. Against this backdrop, a growing ecosystem of companies and investment vehicles is driving this transformation: they are building infrastructure to support digital assets, expanding access to tokenized markets, and opening new investment channels for blockchain innovation. These leaders are not only shaping the future of decentralized finance (DeFi), but also redefining how value is created, exchanged, and protected in the global economy. Top blockchain companies worth paying attention to The on-chain economy spans multiple industries, each playing a unique role in supporting, expanding, and innovating the blockchain ecosystem. From digital asset trading platforms that facilitate transactions to mining companies that maintain the network, and fintech companies that connect traditional finance with decentralized finance, here are some key leaders to watch as we head towards 2026: (Note: NODE mentioned in the text refers to the on-chain ETF code under VanEck.) Trading platform Coinbase Global Inc. (COIN) (representing 2.58% of NODE's assets) As the largest cryptocurrency exchange in the United States, Coinbase serves as a gateway for millions of investors to access, trade, and custody digital assets. Its institutional-grade services and leadership in compliance ensure its continued status as a cornerstone of the crypto economy. Robinhood Markets Inc (HOOD) (representing 2.24% of NODE's assets) Robinhood, known for "democratizing stock trading," has expanded into the crypto space, providing retail investors with easy access to digital assets. By integrating traditional stocks and cryptocurrencies on the same platform, it is blurring the lines between traditional finance and the blockchain world. Mining Core Scientific Inc. (CORZ) (accounting for 3.93% of NODE's assets) As one of the largest Bitcoin miners in North America, Core Scientific is moving beyond simple cryptocurrency mining and transforming its infrastructure to support artificial intelligence (AI) and high-performance computing workloads—successfully bridging two of the fastest-growing digital frontiers. Cipher Mining INC. (CIFR) (6.42% of NODE's assets) & Bitfarms Ltd (BITF) (1.10% of NODE's assets) These two companies have recently shown strong performance. With the strengthening of Bitcoin prices and network activity, they represent a robust recovery in the mining industry. Traditional financial enablers Mercadolibre Inc. (MELI) (representing 1.07% of NODE's assets) Often referred to as the "Amazon of Latin America," MercadoLibre has grown into a fintech giant. By integrating digital payments and crypto services into its e-commerce ecosystem, it is accelerating financial inclusion across Latin America. Asset management companies and "large cash holders" MicroStrategy Inc. (MSTR) (representing 0.24% of NODE's assets) As the largest corporate holder of Bitcoin, MicroStrategy has transformed from a software company into a de facto Bitcoin investment vehicle. Its funding strategy underscores its unwavering belief in Bitcoin as a long-term store of value. Galaxy Digital Inc (GLXY) (representing 4.35% of NODE's holdings) A diversified digital asset financial services company with businesses encompassing trading, asset management, and investment banking services in the crypto economy, serving as a key gateway for institutional investors to enter the blockchain market. Energy infrastructure Kinder Morgan Inc. (KMI) (representing 0.54% of NODE's assets) As a major natural gas supplier in the United States, Kinder Morgan plays an indirect but crucial role in the crypto economy—powering the data centers and mining operations that keep blockchain networks running. Exploring Investment Philosophy: What are the Real-World Applications of Blockchain in 2025? Blockchain is often viewed as a backend technology, but by 2025, it is bringing real and visible changes to the flow of funds, capital market operations, and institutional liquidity management. The story now revolves around tokenization, programmable settlement, and bringing interest-bearing assets onto the blockchain. Several typical application scenarios: Cross-border payments: Imagine a global merchant who needs to pay suppliers in dozens of countries, but no longer relies on the SWIFT system and banks. Stripe has launched USDC payments in more than 50 countries, allowing businesses to settle instantly using stablecoins, eliminating the delays and high foreign exchange costs of traditional methods. On-chain funding: In addition to payments, stablecoins are now being used for large-scale collateralization and to finance on-chain lending. Visa's analysis shows that monthly lending volumes hit new highs in 2025, highlighting the important role of stablecoins as working capital in the DeFi money market. Institutional Settlement: Large banks are also rethinking the underlying architecture of finance. JPMorgan Chase's Kinexys platform allows institutions to issue tokenized securities as collateral and circulate them between different venues, eliminating the friction costs of traditional settlement. These examples hint at a broader shift: capital markets are becoming more modular, liquidity more dynamic, and assets are acquiring a "programmable layer." In this new world, blockchain is no longer an experiment—it is becoming infrastructure.

Author: PANews

2025/11/28

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