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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.

15668 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
DeFi Lending Hit New Record in Q3: Galaxy

DeFi Lending Hit New Record in Q3: Galaxy

The post DeFi Lending Hit New Record in Q3: Galaxy appeared on BitcoinEthereumNews.com. A new report from Galaxy Digital shows record borrowing reflects a mix of airdrops, new lending products, and crypto price gains. Lending in decentralized finance hit a new quarter-end high as the total active loans on DeFi applications neared $41 billion, Galaxy Digital said in its latest “State of Crypto” report for Q3. Galaxy’s research team wrote that DeFi borrowing grew by about $14.5 billion, or nearly 55% in the third quarter, alongside centralized crypto lending. CeFi + DeFi lending by Q3 2025. Source: Galaxy Digital That growth helped push total crypto lending — across both DeFi and CeFi — to almost $73.6 billion, setting a new all-time high above the previous peak of $69.3 billion at the end of Q4 2021. TVL in DeFi lending protocols. Source: DefiLlama It’s worth noting that DefiLlama data shows that the total value locked in DeFi lending protocols was at around $90.9 billion as of early October. Although TVL doesn’t necessarily reflect the amount actually borrowed from the protocols, if that $90 billion indeed held in early Q4, it could suggest that on-chain lending — combined with CeFi — was significantly higher than Galaxy’s Q3 snapshot. A spokesperson for Galaxy Digital clarified that the wording about all-time high was meant “as of the end of Q3 2025,” which means that the historic maximum was likely reached in early Q4. In the report, Galaxy Digital explained that several factors helped borrowing increase. Airdrops, points programs, better collateral products, and rising prices boosted users’ ability to borrow as the value of their collateral grew. Challenges in Off-Chain Lending But Galaxy Digital also warned about possible double-counting between CeFi and DeFi numbers. As the report’s author, Galaxy research associate Zack Pokorny, wrote, some CeFi lenders borrow on-chain and then lend off-chain, which can show up twice without clear…

Author: BitcoinEthereumNews

2025/11/21

Dow Jones flops as headwinds mount, declines 300 points

Dow Jones flops as headwinds mount, declines 300 points

The post Dow Jones flops as headwinds mount, declines 300 points appeared on BitcoinEthereumNews.com. The Dow Jones started Thursday off on a high note. The major equity index soared 725 points in the early hours before promptly reversing course at 1545 GMT (1045 EST) and sinking over 1,100 points top-to-bottom, hitting a five-week low of 45,732 in the process. Markets are facing fresh headwinds on multiple fronts, and a poorly-timed announcement that the Nonfarm Payrolls (NFP) employment “situation” data releases would be delayed until December 16th was the cherry on top. The Dow Jones Industrial Average is down 2.2% on the week, and on pace for its worst weekly performance since the beginning of October. Equities are facing fresh challenges across the board, with the tech-heavy NASDAQ 100 down around 0.6% for the day after testing its lowest bids in nearly nine weeks. The Dow found an eventual foothold to reclaim the 46,000 handle in midday trading, before sinking back into the day’s lows, down around 0.65% on Thursday. AI under a microscope as high chip demand still doesn’t mean high revenues The AI trade remains under threat, with investor trepidation on the rise in the face of hard mathematics disagreeing with pie-eyed expectations of infinite earnings potential. Nvidia (NVDA) posted strong paper figures during its after-market earnings call after the closing bell on Wednesday, claiming another quarter of strong double-digit demand growth for its AI-focused chipsets. However, skeptical analysts noted that several key categories in Nvidia’s earnings should raise concern among tech wonks. According to Nvidia’s earnings call, the chipmaker stockpiled nearly $20 billion in unsold product, a 32% increase in a single quarter. For a company claiming “strong demand growth”, it represents a worrying increase in stockpiles. Nvidia also posted $19.3 billion in quarterly revenue, but only $14.5 billion of that converted to cash, leaving an almost $5 billion shortfall between cash…

Author: BitcoinEthereumNews

2025/11/21

Analyst Calls Cardano A ‘Ghost Chain’ Amid Disappointing Network Metrics

Analyst Calls Cardano A ‘Ghost Chain’ Amid Disappointing Network Metrics

Cardano’s price action has been trending downwards alongside the rest of the crypto market, but the on-chain side of things shows the blockchain activity is failing to keep pace with expectations for a top-tier blockchain.  Recent weeks have shown sluggish participation across key network indicators, and the stagnation has increased the long-standing ghost chain narrative. […]

Author: Bitcoinist

2025/11/21

Best Crypto to Buy Now? Mutuum Finance (MUTM) Rockets Toward $19M Raised as Phase 6 Hits 90% Sold Out with 18,200 Investors

Best Crypto to Buy Now? Mutuum Finance (MUTM) Rockets Toward $19M Raised as Phase 6 Hits 90% Sold Out with 18,200 Investors

As the crypto markets continue to heat up, interested traders are scrambling to lock into the best crypto out there ahead of the next big explosion. Among these cryptos, there is one token that is standing out above the rest, poised to take its place among the top crypto to invest in 2025, and this […]

Author: Cryptopolitan

2025/11/21

Coinbase Expands On-Chain Lending by Accepting Ethereum (ETH) as Collateral, Enabling Up to $1 Million in USDC via Morpho Protocol

Coinbase Expands On-Chain Lending by Accepting Ethereum (ETH) as Collateral, Enabling Up to $1 Million in USDC via Morpho Protocol

The post Coinbase Expands On-Chain Lending by Accepting Ethereum (ETH) as Collateral, Enabling Up to $1 Million in USDC via Morpho Protocol appeared on BitcoinEthereumNews.com. COINOTAG News reports, citing The Block, that Coinbase has broadened its on-chain lending offering to accept Ethereum (ETH) as eligible collateral as of November 20. Qualifying customers can borrow up to $1 million in USDC without selling their crypto, with the loan underpinned by the Morpho lending protocol. By expanding this product, Coinbase reinforces its stance on scalable, collateral-backed liquidity within the crypto ecosystem, leveraging Morpho to support larger, on-chain credit opportunities while maintaining rigorous risk controls. Source: https://en.coinotag.com/breakingnews/coinbase-expands-on-chain-lending-by-accepting-ethereum-eth-as-collateral-enabling-up-to-1-million-in-usdc-via-morpho-protocol

Author: BitcoinEthereumNews

2025/11/21

Nexo’s 2025 Growth Strategy Expands Crypto Loan Offerings

Nexo’s 2025 Growth Strategy Expands Crypto Loan Offerings

Nexo announces plans to increase crypto-backed credit lines and interest distribution, impacting the CeFi lending market in 2025.

Author: bitcoininfonews

2025/11/21

The Daily: Bitwise debuts spot XRP ETF, RippleX engineer explores potential for native XRP staking, and more

The Daily: Bitwise debuts spot XRP ETF, RippleX engineer explores potential for native XRP staking, and more

The following article is adapted from The Block’s newsletter, The Daily, which comes out on weekday afternoons.

Author: The Block

2025/11/21

4 Top Crypto Gems to Buy Now Before the Next Big Rally: Milk Mocha, DOGE, ASTER, & BNB!

4 Top Crypto Gems to Buy Now Before the Next Big Rally: Milk Mocha, DOGE, ASTER, & BNB!

In 2025, discussions in crypto are maturing beyond temporary hype. What started as a meme-inspired phase is now turning into […] The post 4 Top Crypto Gems to Buy Now Before the Next Big Rally: Milk Mocha, DOGE, ASTER, & BNB! appeared first on Coindoo.

Author: Coindoo

2025/11/21

Top 3 Best Cryptos Whale Investors Are Buying as the Market Crashes

Top 3 Best Cryptos Whale Investors Are Buying as the Market Crashes

Amidst the severe correction being witnessed within the crypto market, what whales are actually doing is showing a completely different picture, because rather than withdrawing their capital, whales are accumulating what they feel are the best cryptos to buy within a correction phase. Solana (SOL) is still topping this list, because rather than withdrawing during this market correction, whales are taking advantage of Solana’s (SOL) strong ecosystem and very high transaction capability.  Shiba Inu (SHIB) is also witnessing increased accumulation trends, no surprise there because whales have already shown that they like to take advantage of market corrections to buy up high-risk cryptos like Shiba Inu (SHIB) to gain maximum returns during a market rally.  The biggest surprise within these whales’ portfolio is however Mutuum Finance (MUTM), a DeFi crypto which is in Stage 6 within its presale at $0.035 and is already 90%+ sold out with more than 18,140 unique investor wallets and over $18.82 million raised. MUTM is being recognized as one of the top cryptocurrencies by many investors seeking explosive growth potential. Solana Price Analysis Solana (SOL) has been undergoing a sequence of clean consolidation periods, but after a phase during which there has been some pressure on it, it is currently forming a strong base close to a critical level of support. This is beginning to attract traders’ attention, with initial indications forming concerning a possible reversal off this level of demand. If this upmove on the part of SOL persists, there could be a strong thrust higher to come, which has previously been Solana’s habit after such periods of accumulation. As prime assets such as SOL start to position for their next breakout, it is only natural that attention shifts to Mutuum Finance, which is also showing similar momentum as one of the top cryptocurrencies to monitor. Shiba Inu Prediction  The Shiba Inu (SHIB) token is currently down 1.55% over the last 24 hours, which is subpar to other market performers while it tries to break past resistance around $0.00000924. Current market momentum is still negative due to SHIB being pegged beneath significant moving averages, which causes short-term traders to tread with care. However, what is occurring beneath this market is a significant change: more than 207 billion SHIB tokens have quietly left exchange balances, which indicates long-term support regardless of capital flows being momentarily redirected to Dogecoin’s rallies. The SHIB token faces challenge after challenge, including being positioned beneath its most vital level at $0.00000885, which could decide whether SHIB stabilizes or succumbs to more marketplace pressure, particularly due to memecoin market dynamics being affected by Bitcoin’s market fluctuations. Whenever this happens, market viewers’ attention drifts toward MUTM as one of the best cryptos to buy for early-stage growth. High Potential Presale Opportunity  Mutuum Finance (MUTM) is rapidly making a name for itself among cryptocurrencies with high growth potential. The project has managed to see several development stages, including an ongoing presale that has already achieved success, garnering more than 18,140 holders and raising $18.8 million. MUTM is currently at phase 6, with each token retailing at $0.035. The token sale is more than 90% complete, and this indicates that there is a high demand as well as limited availability. As soon as phase 7 kicks in, the tokens will retail at a higher rate of $0.040, which is a 20% increase. With its strong fundamentals and early traction, MUTM is one of the best cryptos to buy right now for investors seeking high upside, and it is recognized as one of the top cryptocurrencies in the market. Sepolia Testnet Launch The development of Mutuum Finance’s technology is moving along nicely and on track, reaching important technical milestones. The first version of its  lending and borrowing platform is also set to launch this quarter. The Sepolia testnet is an important milestone on its own, which will allow it to test the overall functionality on its platform. This testnet will allow it to experience necessary DeFi functionality such as lending, borrowing, and yield farming, which will allow the technical development team to optimize this functionality on mainnet launch. Mutuum Finance is dedicated to offering a strong, functional, and utility-driven DeFi platform. The incorporation of every vital function is intended to cater to a wide range of users and enhance Mutuum Finance’s position among those new crypto coin that have tremendous potential and are also witnessing an unexpected level of attention within the DeFi sector. Mutuum Finance has raised $18.8 million, onboarded 18,140+ investors, and cleared 90% of its Phase 6 presale at $0.035. Another opportunity to buy MUTM early is available with Phase 7, which raises the token price to $0.040. With true DeFi utility, a two-way lending mechanism, and a pending Sepolia testnet launch, MUTM is attracting both retail and whales alike. Investors interested in the next big thing within the crypto market should not delay and acquire tokens in one of the best cryptos to buy in 2025. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://mutuum.com/ Linktree: https://linktr.ee/mutuumfinance

Author: Coinstats

2025/11/21

Whales Quietly Accumulate LivLive as the Next Crypto to Explode in 2025 While Hedera and SUI Fall

Whales Quietly Accumulate LivLive as the Next Crypto to Explode in 2025 While Hedera and SUI Fall

Smart money doesn’t follow noise, it follows momentum. And right now, the momentum is turning toward LivLive ($LIVE), a project that’s quickly redefining what investors mean by next crypto to explode. While Hedera (HBAR) and Sui (SUI) face steep retracements, LivLive’s explosive first stage is already making headlines among whales searching for early-stage fortune builders. [...] The post Whales Quietly Accumulate LivLive as the Next Crypto to Explode in 2025 While Hedera and SUI Fall appeared first on Blockonomi.

Author: Blockonomi

2025/11/21

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