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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.

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Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Tether Partners with Ledn to Accelerate Bitcoin-Backed Lending and Liquidity Access

Tether Partners with Ledn to Accelerate Bitcoin-Backed Lending and Liquidity Access

TLDR Tether invests in Ledn to grow bitcoin-backed lending, supporting credit without selling BTC. Ledn originated $2.8 billion in bitcoin-backed loans, including $1 billion in 2025. The bitcoin-backed lending market is expected to grow nearly eightfold by 2033. Tether’s investment aligns with expanding real-world use cases for digital assets. Tether, the world’s largest stablecoin issuer, [...] The post Tether Partners with Ledn to Accelerate Bitcoin-Backed Lending and Liquidity Access appeared first on CoinCentral.

Author: Coincentral

2025/11/19

Mutuum Finance (MUTM) Enters Roadmap Phase 2 With Presale Stage 6 Nearly Complete at 90%

Mutuum Finance (MUTM) Enters Roadmap Phase 2 With Presale Stage 6 Nearly Complete at 90%

Mutuum Finance (MUTM) is set to officially kick-start the next growth phase as the project graduates into Roadmap Phase 2, and the moment couldn’t be any more explosive. The signs show this is only the beginning of full-fledged growth as the project graduates from the development stage to full growth, and demand is already through […]

Author: Cryptopolitan

2025/11/19

Tether invests in Ledn to expand bitcoin-backed lending services

Tether invests in Ledn to expand bitcoin-backed lending services

The post Tether invests in Ledn to expand bitcoin-backed lending services appeared on BitcoinEthereumNews.com. Tether expanded its investment portfolio with Ledn, one of the emerging leaders in BTC-backed loans. Tether has joined the growing sector of financial infrastructure that taps value without the need to sell the underlying digital assets.  Tether has invested in Ledn, a company offering BTC-backed loans, custody, risk management, and liquidation protection.  Source: X Tether has joined the growing industry of crypto-backed lending, allowing holders to tap the value of their BTC without selling.  ‘Our investment reflects Tether’s belief that financial innovation should empower people,’ said Paolo Ardoino, CEO of Tether. ‘Together with Ledn, we are expanding access to credit without requiring individuals to sell their digital assets. This approach strengthens self-custody and financial resilience, while creating real-world use cases that reinforce the long-term role of digital assets as essential pillars of a more inclusive global financial system.’ Before Tether’s involvement, Ledn had already originated over $2.8B in BTC-backed loans, including over $1B in 2025, its strongest year yet. Ledn is expanding its credit access for both retail and institutions. The lending hub expects significant growth in crypto-backed lending.  Previously, the company had a debt-based funding round led by Sygnum. Ledn is registered in the USA and is already fully operational as a registered entity. To date, Ledn has raised over $104M in several rounds, of which $100M was raised during the 2021 bull market.  BTC lending is still lagging behind the usage of ETH, SOL, or even smaller altcoins. The high value of BTC has discouraged holders from depositing their coins in lending protocols. Ledn, however, aims to offer the lowest possible risk, with a highly controlled liquidation system.  Ledn expects to triple its 2024 loan levels, said Adam Reeds, co-founder and CEO. ‘We expect demand for bitcoin financial services to continue soaring, and this collaboration with Tether ensures…

Author: BitcoinEthereumNews

2025/11/19

Has DeFi learned anything from yield vault collapse?

Has DeFi learned anything from yield vault collapse?

The post Has DeFi learned anything from yield vault collapse? appeared on BitcoinEthereumNews.com. Almost two weeks ago, the collapse of Stream Finance led to a domino-effect across the decentralized finance (DeFi) sector. On-chain analysts had previously raised concerns over a web of risky looped-lending of one another’s assets, all while offering outsize returns on stablecoin deposits. Some projects were able to wind down positions in an orderly fashion, and depositors came out relatively unscathed. However, elsewhere, worthless collateral left gaping holes, and repaying borrowed assets rapidly became less attractive. Read more: Stream Finance meltdown: winners and losers in DeFi ‘risk curator’ reckoning Taking stock Over the past few days, curators have wrapped up the shortfall in remaining markets. Depositors into the MEV Capital-managed USDC vaults on Morpho were left with haircuts of 3.5% (on Ethereum) and 12% on the equivalent Arbitrum vault. The vaults were exposed to Elixir’s 99.8% depegged sdeUSD and Stream Finance’s 95% depegged xUSD. In characteristically hostile fashion, Morpho-competitor Aave’s Marc Zeller took a victory lap. Actually, it’s only Bad debt if it comes from the badette region of France. Otherwise, it’s just sparkling “proportionally socialized loss” Just Use Aave. pic.twitter.com/SH6PqqmDRc — Marc ”七十 Billy” Zeller 👻 🦇🔊 (@lemiscate) November 12, 2025 Read more: Aave could leave Polygon over plan to use bridge funds for yield farming Another curator with outstanding exposure is Re7 Labs, whose communications have been noticeably sparse since the crisis began. A November 8 post lists exposure of $14 million to deUSD, $13 million to Stable Labs’ 85% depegged USDX. Since then, two updates have yet to disclose any concrete advances beyond the recovery of a $200,000 Morpho position on Worldchain. Hyperithm, issuer of mHYPER, gave an update on its USDT Euler vault on Plasma, notifying users that 30% of the deposits were locked in a Re7 Labs vault. Users will be able to withdraw the…

Author: BitcoinEthereumNews

2025/11/19

Is Investing in This $0.035 Cheap Crypto Safer Than Betting on Shiba Inu (SHIB) Right Now?

Is Investing in This $0.035 Cheap Crypto Safer Than Betting on Shiba Inu (SHIB) Right Now?

The post Is Investing in This $0.035 Cheap Crypto Safer Than Betting on Shiba Inu (SHIB) Right Now? appeared on BitcoinEthereumNews.com. The post Is Investing in This $0.035 Cheap Crypto Safer Than Betting on Shiba Inu (SHIB) Right Now? appeared first on Coinpedia Fintech News The crypto market is entering a cautious accumulation phase, and investors are reassessing which crypto to buy for optimal risk and reward. Shiba Inu (SHIB) has shown signs of stability near $0.00000980 as Shibarium adoption grows, but its volatile history keeps traders wary.  At the same time, Mutuum Finance (MUTM), a new DeFi crypto priced at $0.035, is nearing the end of its presale Phase 6, showing consistent investor confidence and real product development. The question now being asked across trading forums is simple: Is this new crypto coin presenting a safer and more strategic entry than speculative tokens like SHIB? Shiba Inu Attempts a Fragile Recovery Shiba Inu has managed to stay above its immediate support at $0.00000950 after bouncing from October lows near $0.0000075. Analysts credit this resilience to rising activity on Shibarium, the project’s layer-2 network that is gradually attracting developers and new ecosystem projects.  The ongoing burn mechanisms have also reduced circulating supply, creating scarcity over time. However, SHIB continues to trade within tight resistance levels between $0.00001000 and $0.00001300, signaling a limited upside in the short term. While adoption is expanding, the price remains bound by overall market sentiment and dependence on memecoin enthusiasm. Volatility still defines SHIB’s price action, with investors alternating between optimism and caution. Shibarium’s progress has introduced real utility, but it has yet to deliver consistent price appreciation proportional to network growth. For traders asking which crypto to buy today for long-term safety, SHIB’s reliance on speculative hype rather than fundamental yield generation remains a concern. Mutuum Finance (MUTM) Shows Structural Stability and Real Utility Mutuum Finance (MUTM) continues to capture investor attention as its presale Phase…

Author: BitcoinEthereumNews

2025/11/19

‘Zero-to-one moment’ for DeFi? Inside Aave’s insured savings rollout

‘Zero-to-one moment’ for DeFi? Inside Aave’s insured savings rollout

The post ‘Zero-to-one moment’ for DeFi? Inside Aave’s insured savings rollout appeared on BitcoinEthereumNews.com. Key Takeaways  Why is the Aave update a game-changer?  It’s the first DeFi app to unveil a savings app with a yield of up to 6.5% and deposit protection.  What’s the potential impact on the broader market?  Analysts say the feature could advance DeFi toward mainstream banking territory despite risk concerns.  DeFi lending giant Aave [AAVE] has unveiled a high-yield (up to 6.5%) savings app with a maximum insured deposit of $1 million per account, the first of its kind in the segment.  For perspective, most regulated entities, particularly in traditional markets, hold insured deposits as part of investor protection against bankruptcy and other risks.  As such, some market watchers believe the move would set the pace of the rest of the DeFi segment and drive adoption.  According to a Research Analyst, Aylo, the move would make crypto more competitive, similar to other fintech products.  “Higher yield, same risk as a bank account, accessible to everyone globally = DeFi wins” Source: X Another analyst, DeFi Dad, echoed a similar stance and added,  “A truly zero-to-one moment for DeFi going mainstream.” DeFi adoption meets risk concerns Put differently, DeFi is poised to eat into banks’ lunch. In fact, Ethereum [ETH] Founder Vitalik Buterin recently stated that DeFi was ready to become the primary bank account.  “We’ll be seeing…a growth in more and more cases of people, institutions, all kinds of users around the world actually using this as their primary bank account. Defi as a form of savings is finally viable.” Source: The Block Aave dominated Outstanding Debt ($17B out of a total of $21B) in the Ethereum space. That aligned with falling Federal Reserve rates, which pushed investors toward higher on-chain yields. Since 2024, on-chain yields have offered, on average, better returns than typical short-term government bonds (T-bills).  Source: Dune…

Author: BitcoinEthereumNews

2025/11/19

6 best crypto tax software 2025

6 best crypto tax software 2025

The post 6 best crypto tax software 2025 appeared on BitcoinEthereumNews.com. Forecast and calculate your crypto taxes quickly with the best software for crypto taxes. This roundup features the most user-friendly crypto tax tools, from  simple calculators to advanced platforms for analyzing your transactions. 5 reasons you need a crypto tax tracker The US, UK, EU, and Canada are tightening reporting rules, so staying compliant is getting harder. Crypto tax calculators save huge amounts of time by importing your data automatically.  Accuracy and transparency protect you from compliance issues and audits. If you move assets across borders, you’ll want a tracker with strong international coverage. Crypto taxes in different countries United States: The IRS wants  you to report all your crypto transactions on your tax return. You’ll use Form 8949 to list each sale, Schedule D to total your gains and losses, and Schedule 1 for other income, like staking rewards.  On Form 1040, there’s also a question about crypto — you need to answer it to show you’re involved. Starting in 2025, centralized exchanges have to send the IRS a 1099-DA for your transactions, reporting gross proceeds. European Union: Under MiCA and the upcoming DAC8 rules, crypto-asset service providers will soon be required to share detailed user and transaction information with tax authorities across the EU. This means from 2026 onwards   investors should expect full transparency —  and now is the time to ensure your records match what exchanges report. United Kingdom: Since crypto is classified as a capital asset, most disposals are liable for CGT. The lower 2025/26 allowance of £3,000 means more people will owe tax. With CARF reporting rules coming into play for UK service providers, transparent record-keeping and compliant tools are essential. Canada: In Canada, crypto is treated as a commodity under CRA rules. If your activity amounts to casual investing you’ll face capital gains…

Author: BitcoinEthereumNews

2025/11/19

Tether Dives Into Bitcoin-Backed Lending as Market Soars Past $1B in Loans

Tether Dives Into Bitcoin-Backed Lending as Market Soars Past $1B in Loans

Tether, the world’s largest player in the digital asset sector, has taken a deeper step into crypto-backed credit markets with a new investment in Ledn, one of the most established providers of Bitcoin-backed loans. The move comes during a renewed wave of activity across the lending sector, which has already surpassed $1 billion in loan originations this year and is now showing signs of a broader comeback after the severe collapse of 2022–2023. Ledn Crosses $2.8B in Bitcoin Loans as Crypto Lending Market Rebounds Ledn has originated more than $2.8 billion in Bitcoin-backed loans since launch, cementing its position as a major lender in the crypto credit market. https://twitter.com/tether_to/status/1990785750724382900 The company has already issued over $1 billion in 2025 alone, its strongest year on record, and nearly equaled its entire 2024 lending volume in the latest quarter with $392 million in Q3. Its annual recurring revenue now exceeds $100 million, showing growing demand from both retail and institutional borrowers seeking liquidity without selling their Bitcoin. Tether said the investment reflects its long-term vision of building financial infrastructure that allows users to unlock credit while continuing to hold their digital assets. Chief Executive Paolo Ardoino said the partnership strengthens the role of digital assets in real-world finance and supports self-custody models that many crypto users rely on. Ledn’s platform includes custodial safeguards, risk controls, and liquidation systems designed to protect users’ collateral throughout the life of each loan. The investment arrives as the Bitcoin-backed lending market begins to expand again. According to DataIntelo’s outlook, the broader crypto-collateralized credit segment is forecast to grow from $7.8 billion in 2024 to more than $60 billion by 2033. The sector already reached $90 billion in October and is currently at $65.87 billion.Source: DefiLlama Much of the industry’s recovery has been shaped by tighter risk practices after the failures of Celsius, Voyager, BlockFi, Genesis, and other lenders during the last bear market, a collapse driven by reckless lending, toxic collateral, and unsecured loans. Ledn’s decision to double down on Bitcoin-backed products is reinforced by this shift toward safer structures. Co-founder and CEO Adam Reeds said the company’s loan book is on track to nearly triple from 2024 levels, and that demand for Bitcoin financial services is rising quickly as investors seek more predictable forms of credit access across both centralized and decentralized platforms. Tether’s investment is also aligned with the company’s broader strategy of expanding its presence across global financial markets. In its latest attestation, prepared by BDO, Tether reported more than $10 billion in net profit for the year to date, along with $6.8 billion in excess reserves. The firm issued more than $17 billion in new USDT during Q3, lifting the stablecoin’s circulating supply above $174 billion. Tether’s exposure to U.S. Treasuries hit a record $135 billion, placing the company among the world’s largest foreign holders of U.S. debt. Lending Activity Reignites as Major Platforms Expand Services and Regulators Tighten Rules The lending sector as a whole is experiencing renewed movement. Crypto.com recently began integrating Morpho, the second-largest DeFi lending protocol, into its platform, enabling users to borrow stablecoins against wrapped Bitcoin and Ether directly on its Cronos chain. Morpho’s services, already holding over $7.7 billion in value, will be available even to U.S. users despite new restrictions on stablecoin yield payments under the GENIUS Act. Regulators are also adjusting to increased activity. South Korea introduced sweeping guidelines in September that cap lending rates at 20% annually and ban leveraged products that exceed collateral value. The rules follow concerns over aggressive lending programs at major exchanges, where firms had begun offering unusually high borrowing limits before authorities intervened

Author: CryptoNews

2025/11/19

New lending protocols inch along in potential boon for ‘underbanked’

New lending protocols inch along in potential boon for ‘underbanked’

Crypto isn’t just for high-net-worth traders with an appetite for risk, but can also help the poor, according to the industry and its cheerleaders. Take US Representative Ritchie Torres, a Democrat from the Bronx, who took to the stage at a conference hosted by Ripple earlier this month to wax lyrical about how blockchain has the potential to “liberate the lowest income from the long delays and high fees of the traditional financial system.” Now, crypto venture capital firm Paradigm is promoting that narrative with a new report —“Bridging the Gap: How Crypto Expands Financial Access for America’s Underbanked” — that’s based, in part, on interviews with 11 crypto users. Before we continue, let’s note two things. First, given that the Pew Research Center’s data suggests that 17% of the 342 million people in the US have used crypto, this would mean this survey represents 0.00001% of crypto users in the States. Secondly, the interviewees aren’t exactly a portrait of the down-and-out: Eight have a college degree or higher. And its definition of “underbanked” — “a banked person who uses nonbank products … to meet core financial needs” — appears overly broad. Would splitting the cheque for dinner with Venmo make me an underbanked American? Nevertheless, it arguably provides a useful window into people’s feelings about the legacy financial system and the ways crypto can improve upon it. For example, 10 of the 11 said they used crypto in part because they distrusted traditional banks. “They doubted banks would process transactions reliably, keep accounts open, or avoid freezing funds without cause,” Paradigm writes. Several respondents found international transfers much easier with crypto. One said it solved his issues accepting cross-border payments. Another said it saved his grandmother’s life — crypto transfers enabled him to quickly pay for her emergency medical services in West Africa. To be sure, it’s in Paradigm’s interest to push this narrative. Congressional Democrats are the biggest obstacle to industry-friendly legislation. They fear it will undermine century-old legislation intended to protect retail investors. Perhaps they’ll come around if they see crypto the way Torres does — as a way to liberate those same investors from the clutches of predatory banks that have become Too Big to Fail. But the narrative has its flaws. Banks don’t just facilitate transfers. They also provide credit. It’s how regular people buy homes, start businesses. But borrowing crypto is quite difficult if you don’t have money already. Lending protocols are typically overcollateralised. That means borrowers must put up assets worth more than the crypto they’re borrowing. Lending is the largest sub-sector in DeFi, with more than $64 billion in total value locked, according to DefiLlama data. Uncollateralised lending? That’s in 48th place, with just $14 million in invested assets. That is likely an undercount, but not by much. New protocols are trying to fix this. In September, Wildcat Labs raised $3.5 million to fund its mission to make “private credit public” via peer-to-peer undercollateralised lending. “Wildcat started out with the joking slogan of ‘Banking, but worse,’” it wrote when it announced the raise. “Now, we’re going to start taking bites out of banking itself.” But it doesn’t allow individual borrowers, and it doesn’t check for creditworthiness, putting the burden of due diligence on its lenders. Another upstart, 3Jane, has taken a different approach and also enjoyed modest success — its deposits have grown almost tenfold, to $19 million, over the past week. The protocol lets users borrow USDC against their real-world credit scores. Perhaps this will bring crypto lending to the masses. The only hitch? Before they can borrow, they have to connect their bank accounts. Alas, the unbanked will have to continue waiting for an alternative to the legacy financial system. Top DeFi stories of the weekThis week in DeFi governance VOTE: Uniswap DAO votes on UNI fee switchVOTE: ZKsync votes to upgrade ZK token with permissionless burn functionVOTE: Gnosis DAO votes to terminate contract with KarpatkeyPost of the week The internet was nigh unusable this morning. But that didn’t affect unstoppable, censorship-resistant financial applications, right? watching my favorite decentralized censorship-resistant unstoppable crypto web3 app get eviscerated because "cloudflare went down" pic.twitter.com/XUEhUQZuLz— nader dabit (@dabit3) November 18, 2025Aleks Gilbert is DL News’ New York-based DeFi correspondent. Have a tip? You can reach him at [email protected].

Author: Coinstats

2025/11/19

Is Shiba Inu (SHIB) Still Worth Buying? Investors Prefer This New Crypto With Real Utility in 2025

Is Shiba Inu (SHIB) Still Worth Buying? Investors Prefer This New Crypto With Real Utility in 2025

With Shiba Inu (SHIB), struggling to gain and keep the required pace in the crypto market of 2025, smart and shrewd investors are beginning to look elsewhere for projects with utility value and growth value. One token gaining popularity in DeFi is Mutuum Finance (MUTM), which is still only going for $0.035 and is already […]

Author: Cryptopolitan

2025/11/19

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