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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.

15682 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
PBOC sets USD/CNY reference rate at 7.0847 vs. 7.0875 previous

PBOC sets USD/CNY reference rate at 7.0847 vs. 7.0875 previous

The post PBOC sets USD/CNY reference rate at 7.0847 vs. 7.0875 previous appeared on BitcoinEthereumNews.com. On Monday, the People’s Bank of China (PBOC) sets the USD/CNY central rate for the trading session ahead at 7.0847 compared to Friday’s fix of 7.0875 and 7.1162 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-70847-vs-70875-previous-202511240115

Author: BitcoinEthereumNews

2025/11/24

3 Best Cryptos to Buy Now During the Market Dip

3 Best Cryptos to Buy Now During the Market Dip

The post 3 Best Cryptos to Buy Now During the Market Dip appeared on BitcoinEthereumNews.com. With the market pulling back and prices dipping across the board, smart investors are taking the opportunity to load up on the best cryptos to buy before the next rebound. Among the top coins, Shiba Inu (SHIB) is attracting dip-buyers thanks to growing ecosystem activity, Solana (SOL) is also maintaining investor confidence because of its robust high-performance network even amidst its volatility fluctuations for now.  But among all cryptos that are being hotly pursued at this point is none other than Mutuum Finance (MUTM), which is rapidly growing to become one of the most front-running DeFi cryptos at just $0.035 and already deep into Phase 6 of its presale stage. MUTM is already beyond 95% of Phase 6 being sold out because of its explosive market interest even at such an early stage and because analysts are increasingly recommending it as the next crypto to explode very soon. Shiba Inu Shows Early Signs of Strength as Buyers Attempt Breakout At the moment, Shiba Inu (SHIB) is range-bound within a strong accumulation range, where buyers are making efforts to overcome weak momentum. One of the most crucial indicators to focus on is when it cleanly breaches above the median Band’s middle region of Bollinger Bands, marking the very first sign of strength to catalyze its mild reversal. When SHIB Moss handles this crucial move to its favor, its enormous task for now is to breach its 200 EMA to validate its significant reversal. Until this is achieved, traders take their time to carefully observe SHIB’s markets. This is also causing investors to probe Mutuum Finance, making it a top candidate for the best cryptos to buy this cycle. Solana Nears its Most Crucial Support Point for This Month Solana (SOL) is now poised to enter a crucial phase because market indicators…

Author: BitcoinEthereumNews

2025/11/24

DeFi Lending Volume Soars to $41B in Q3, Fueled by Airdrop Farming Frenzy

DeFi Lending Volume Soars to $41B in Q3, Fueled by Airdrop Farming Frenzy

BitcoinWorld DeFi Lending Volume Soars to $41B in Q3, Fueled by Airdrop Farming Frenzy Have you ever wondered how DeFi lending volume exploded in the third quarter? According to a report from Galaxy Digital, it skyrocketed to $40.99 billion, marking a massive $14.52 billion increase from the previous quarter. This surge highlights the growing influence of decentralized finance in the crypto world, largely driven by airdrop farming activities that […] This post DeFi Lending Volume Soars to $41B in Q3, Fueled by Airdrop Farming Frenzy first appeared on BitcoinWorld.

Author: bitcoinworld

2025/11/24

Hedera Breakout Alert: New WBTC Integration Fuels HBAR Rally Toward $0.60

Hedera Breakout Alert: New WBTC Integration Fuels HBAR Rally Toward $0.60

Hedera (HBAR) is currently trading at $0.1442, an 11.35% increase. The 24-hour trading volume climbed to $276.91 million, reflecting a 19.47% uptick. Despite this strong daily momentum, the token remains 2.13% lower on the weekly timeframe, signaling a market still seeking sustained direction. Descending Channel Reaches Critical Point Crypto analyst Profit Demon noted that HBAR […]

Author: Tronweekly

2025/11/24

Why Most Crypto Treasury Firms Trade at a Discount

Why Most Crypto Treasury Firms Trade at a Discount

The post Why Most Crypto Treasury Firms Trade at a Discount appeared on BitcoinEthereumNews.com. Bitwise Chief Investment Officer Matt Hougan highlights common mispricing in Digital Asset Treasury Companies (DATs). He urges investors to consider valuation beyond simple crypto holdings as these firms navigate complex financial dynamics. DATs now manage over $130 billion in digital assets, serving as vital links between traditional capital markets and direct cryptocurrency exposure. Their unique position brings new valuation challenges that set them apart from other investment vehicles. Sponsored Bitwise Just Revealed 3 Ways to Value DATs: All You Need to Know Bitwise CIO Matt Hougan warns that most DATs are mispriced. While many trade at a discount to their assets, a few can trade at a premium by boosting crypto-per-share. Hougan’s framework offers investors a clear way to separate the winners from the laggards. 1/ I see a lot of bad analysis of DATs, or digital asset treasury companies. Specifically, I see a lot of bad takes on whether they should trade at, above, or below the value of the assets they hold (their so-called “mNAV”). Here’s how I approach it. — Matt Hougan (@Matt_Hougan) November 23, 2025 Why Most DATs Trade at a Discount Hougan highlights three main reasons DATs usually underperform: Illiquidity: Investors demand a 5–10% discount if assets aren’t immediately accessible. Expenses: Operational costs and executive compensation directly reduce value. Sponsored For example, $100 of Bitcoin minus $10 of expenses per share equals a 10% discount. Risk: Mistakes, market shifts, or execution errors further lower valuations. “…most of the reasons they should trade at a discount are certain, and most of the reasons they might trade at a premium are uncertain,” Hougan says. This means the majority of DATs will underperform relative to their net asset value (mNAV). Sponsored How DATs Can Trade at a Premium Some DATs outperform by increasing crypto-per-share, with Hougan identifying four…

Author: BitcoinEthereumNews

2025/11/24

DeFi Lending Skyrockets in Q3, Crushing CeFi: Galaxy Reports

DeFi Lending Skyrockets in Q3, Crushing CeFi: Galaxy Reports

Amidst incentives, stronger collateral, and rising prices, DeFi lending surged in Q3, capturing a record 55.7% market share during the quarter.

Author: CryptoPotato

2025/11/24

Most Crypto Treasury Firms Trade at a Discount — Here’s Why

Most Crypto Treasury Firms Trade at a Discount — Here’s Why

Bitwise Chief Investment Officer Matt Hougan highlights common mispricing in Digital Asset Treasury Companies (DATs). He urges investors to consider valuation beyond simple crypto holdings as these firms navigate complex financial dynamics. DATs now manage over $130 billion in digital assets, serving as vital links between traditional capital markets and direct cryptocurrency exposure. Their unique position brings new valuation challenges that set them apart from other investment vehicles. Bitwise Just Revealed 3 Ways to Value DATs: All You Need to Know Bitwise CIO Matt Hougan warns that most DATs are mispriced. While many trade at a discount to their assets, a few can trade at a premium by boosting crypto-per-share. Hougan’s framework offers investors a clear way to separate the winners from the laggards. Why Most DATs Trade at a Discount Hougan highlights three main reasons DATs usually underperform: Illiquidity: Investors demand a 5–10% discount if assets aren’t immediately accessible. Expenses: Operational costs and executive compensation directly reduce value. For example, $100 of Bitcoin minus $10 of expenses per share equals a 10% discount. Risk: Mistakes, market shifts, or execution errors further lower valuations. “…most of the reasons they should trade at a discount are certain, and most of the reasons they might trade at a premium are uncertain,” Hougan says. This means the majority of DATs will underperform relative to their net asset value (mNAV). How DATs Can Trade at a Premium Some DATs outperform by increasing crypto-per-share, with Hougan identifying four key strategies: Issuing Debt: Borrowing USD to buy crypto can grow per-share holdings if prices rise. Lending Crypto: Earning interest compounds the crypto held by the company. Using Derivatives: Writing options or similar strategies generates additional assets, though it may limit upside. Acquiring Crypto at a Discount: Buying undervalued assets, repurchasing shares, or acquiring cash-flow businesses can increase crypto-per-share efficiently. The Bitwise executive articulates that scale matters, noting that larger DATs can access debt more easily, lend more crypto, and take advantage of M&A opportunities. Size is a structural advantage. Market Differentiation Is Coming DATs have historically moved together, but Hougan predicts increased divergence. Premium DATs: Executing well, growing crypto-per-share, leveraging scale. Discount DATs: Struggling with expenses, risk, or small scale. Investors can use Hougan’s approach, calculating expenses, risk, and growth potential, to determine fair value. Investors should also watch: Which DATs consistently increase crypto-per-share. How scale gives certain DATs a long-term edge. Market moves that create opportunities to buy undervalued DATs. With the market set for more differentiation, understanding Hougan’s framework could separate winners from losers amid a growing digital asset treasury space.

Author: Coinstats

2025/11/24

Trending New Crypto at $0.035 Expected to Deliver Better Returns Than Solana (SOL) This Cycle

Trending New Crypto at $0.035 Expected to Deliver Better Returns Than Solana (SOL) This Cycle

The post Trending New Crypto at $0.035 Expected to Deliver Better Returns Than Solana (SOL) This Cycle appeared on BitcoinEthereumNews.com. As the market shifts its attention toward the new crypto projects showing the strongest early traction, Mutuum Finance (MUTM) is quickly emerging as one of the most promising coins. At just $0.035 to enter, MUTM is making headlines fast due to its quickly accelerating presale success and its genuine DeFi use case, as well as its growth development already being established to rival and potentially outperform many big altcoins at this point and beyond. In contrast, Solana (SOL) is struggling to maintain any serious momentum at all. The market favors new crypto development at any cost now much higher than before. MUTM is drawing attention as the top crypto that could redefine early-stage DeFi opportunities this cycle. Solana Faces Serious Breakdown Risk as Price Hangs on to Last Support Levels Solana (SOL) is on the brink of a major technical breakdown and may quickly enter the $85 to $55 region if it fails to show signs of bouncing back beyond key support at $130. Until Solana shows significant signs of bouncing back, selling pressure is expected to continue. As market players continue to monitor this development and begin to hunt for new crypto projects displaying initial growth momentum to join or invest in, opportunities presented by Mutuum Finance (MUTM) have already presented explosive growth rates at the presale stage. MUTM is now being seen as a top crypto for investors seeking early adoption in DeFi. MUTM Presale: Taking Advantage of the Movement Before Phase 7 Mutuum Finance (MUTM) is causing significant market hype as it is nearing the end of Phase 6 for its presale. The current price of its tokens is $0.035, marking a 250% jump from its initial price at Phase 1. It is notable that it has received contributions of over 18,140 individuals worth $18.9 million. As…

Author: BitcoinEthereumNews

2025/11/24

Ethereum Price Prediction: ETH Price Tests the $2,400 Lifeline Amid Soft ETF Demand, but Analysts Maintain a $4,000 Recovery Target

Ethereum Price Prediction: ETH Price Tests the $2,400 Lifeline Amid Soft ETF Demand, but Analysts Maintain a $4,000 Recovery Target

The post Ethereum Price Prediction: ETH Price Tests the $2,400 Lifeline Amid Soft ETF Demand, but Analysts Maintain a $4,000 Recovery Target appeared on BitcoinEthereumNews.com. Trading around $2,700, Ethereum’s recent decline highlights ongoing market pressures. Analysts note that holding the $2,400–$2,500 support zone could determine whether ETH resumes a bullish trajectory toward $4,000 or continues a short-term downward correction. Ethereum Pulls Back as Market Tests Key Support Levels Ethereum is approaching one of its most significant support regions in over a year, bringing renewed attention to the Ethereum price trajectory. After weeks of corrective movement, the price of Ethereum trades near the $2,700 zone, pressured by soft ETF demand, cautious investor sentiment, and competition from other major blockchain networks. Ethereum has underperformed in the current cycle, raising questions about its potential to reach new highs. Source: Mister Crypto via X Mister Crypto, a long-time market commentator with expertise in ETH macro cycles and technical analysis, noted that Ethereum has been “very disappointing this cycle,” highlighting the gap between current levels and its 2024 peak. As of November 23, 2025, the current ETH price sits roughly 40% below the previous year’s high of $4,500. Weaker-than-expected inflows into U.S.-listed Ethereum ETFs have partially driven the decline. According to Farside Investors’ November 21, 2025, report, ETH ETFs have received only $1.2 billion in net inflows year-to-date, compared to $18 billion for Bitcoin ETFs. This disparity reflects measured institutional interest in Ethereum relative to Bitcoin, according to ETF research analysts. ETF Flows Show Signs of Stabilization, but Momentum Remains Mixed Recent Ethereum news highlights some stabilization in ETF flows, though the trend remains uneven. On November 21, 2025, Farside Investors reported $55.7 million in net inflows across ETH ETFs, breaking a nine-day outflow streak. Fidelity’s FBETH ETF led with $95.4 million in new assets, while BlackRock’s ETHA saw a $53.7 million outflow. Selective rotation continues: BTC sees $903M ETF outflows, and stables flood in (USDT $834M, USDC $500M), while…

Author: BitcoinEthereumNews

2025/11/24

Is This Crypto the Next Dogecoin (DOGE)? Analysts Say It Could Surge Higher

Is This Crypto the Next Dogecoin (DOGE)? Analysts Say It Could Surge Higher

Dogecoin (DOGE) has long been a symbol of meme‑coin mania, but analysts are now drawing surprising parallels between its early accumulation phase and Mutuum Finance (MUTM), a new DeFi crypto gaining serious traction. What helped Dogecoin go viral was not its meme coin power alone but its natural organic growth, speculation-driven retail sentiment, and overall […]

Author: Cryptopolitan

2025/11/24

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