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Commodity Zero-Fee Gala

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
Top 3 Best Crypto for 2026, One Has a Major Launch This Quarter

Top 3 Best Crypto for 2026, One Has a Major Launch This Quarter

While giants like Ethereum and Solana continue to dominate, analysts say the biggest opportunities in 2026 could come from new […] The post Top 3 Best Crypto for 2026, One Has a Major Launch This Quarter appeared first on Coindoo.

Author: Coindoo

2025/11/16

Polygon Strengthens RWA Ecosystem With R25 Protocol’s rcUSD+ Rollout

Polygon Strengthens RWA Ecosystem With R25 Protocol’s rcUSD+ Rollout

R25 has introduced its yield-generating rcUSD+ token on the Polygon network in November, with the asset designed to hold a 1:1 value against the U.S. dollar. rcUSD+ will interoperate with multiple DeFi primitives on Polygon, including lending pools, collateral vaults, and liquidity engines.  R25 is a real-world asset (RWA) protocol backed by Ant Financial that [...]]]>

Author: Crypto News Flash

2025/11/16

Could Mutuum Finance (MUTM) Be the Next Big Crypto in 2026? Here’s What Investors Are Saying

Could Mutuum Finance (MUTM) Be the Next Big Crypto in 2026? Here’s What Investors Are Saying

More and more early investors are giving notice to a fresh crypto initiative that has been gaining momentum behind the scenes during the year 2025. Mutuum Finance (MUTM) is in presale but its blistering development and steady increase in demand are beginning to pose a straightforward query: could this be among the finest crypto platforms […]

Author: Cryptopolitan

2025/11/16

Baumz Joins Forces with Ultiland to Power Perpetual DEX Trading with RWAs

Baumz Joins Forces with Ultiland to Power Perpetual DEX Trading with RWAs

The post Baumz Joins Forces with Ultiland to Power Perpetual DEX Trading with RWAs appeared on BitcoinEthereumNews.com. Baumz, a decentralized perpetual futures protocol, today announced a strategic partnership with Ultiland, a Web3 platform that specializes in creative and art-related RWA products. Using this integration, Baumz leverages Ultiland’s RWA infrastructure to introduce new offerings of RWA art-based perpetual contracts on its decentralized perpetual exchange. The move enables Baumz to bring advanced trading opportunities for its customers. Baumz is a rapidly growing decentralized exchange (DEX) designed for highly leveraged perpetual trading. The platform allows crypto investors to trade up to 100× leverage across diverse perpetual pairs, providing convenience, deep liquidity, and a seamless user experience. 🤝 Partnership Announcement: Baumz × @ULTILAND We’re thrilled to join forces with Ultiland — on-chain for issuing, trading and unlocking value from ART and IP assets, and just launched its first ARToken, $EMQL. Together, we’ll unlock:🏠 New Arts On-Chain, Effortless Yields… pic.twitter.com/34YEID3VqM — Baumz Official (@Baumztrade) November 15, 2025 Why This Collaboration Matters for Baumz By integrating Ultiland’s RWA markets into its DEX platform, Baumz introduces perpetual contracts that go beyond crypto offerings, providing perps based on various RWAs like creative collections, artworks, IP (intellectual property) rights, meme culture, digital assets, etc. Through its focus on RWA issuance and DeFi lending services, Ultiland addresses market demands for real-world assets and digital art, functioning as an avenue to RWA-art related investments, wealth planning, and tailormade Web3 solutions. Therefore, Baumz’s expertise in the decentralized perpetual trading sector, combined with Utiland’s success in creative and art-based real-world assets (RWAs), lays the foundation for an innovative DeFi ecosystem. By capitalizing on this tech integration, Baumz launches tokenized RWA art-based perpetual products on its DEX platform. Utiland’s modular blockchain and decentralized data infrastructure provide efficient access to real-world data feeds, ensuring seamless integration of Utiland RWAs into Baumz’s trading platform. Through this partnership, Baumz is well-equipped to onboard a…

Author: BitcoinEthereumNews

2025/11/16

The Next Crypto to Explode Will Not Be a Meme Coin, Can It Be $0.035 DeFi Crypto?

The Next Crypto to Explode Will Not Be a Meme Coin, Can It Be $0.035 DeFi Crypto?

The post The Next Crypto to Explode Will Not Be a Meme Coin, Can It Be $0.035 DeFi Crypto? appeared on BitcoinEthereumNews.com. The post The Next Crypto to Explode Will Not Be a Meme Coin, Can It Be $0.035 DeFi Crypto? appeared first on Coinpedia Fintech News The crypto market is changing. Investors are moving away from meme-driven coins that pump one day and collapse the next. Now, the focus is shifting to tokens backed by real utility, working products, and active user flows. Mutuum Finance (MUTM) fits perfectly in this new wave. It is a DeFi-native protocol where token economics tie directly to lending, borrowing, and buyback rewards. For traders seeking fundamentals over hype, a $0.035 entry into a utility-first token looks very promising. Mutuum Finance (MUTM): Dual Lending Models to Drive Growth Currently, Mutuum Finance (MUTM) has a total supply of 4B tokens. Across all presale phases, the project has raised approximately $18.65 million and over 18,000 holders have joined the presale so far. Phase 6 is priced at $0.035, with around 90% of the 170M tokens allocation already sold out. Phase 7 will increase to $0.040, a 15% step. Those who enter at $0.035 will be part of a shrinking group before the next price step takes effect. Mutuum Finance (MUTM) will run on two lending systems. Peer-to-Contract (P2C) pools allow depositors to supply stablecoins like USDT or USDC and major tokens such as ETH. Borrowers will draw overcollateralized loans from these pools. Interest rates adjust with pool utilization, meaning higher demand increases depositor returns. Lenders will receive mtTokens representing their pool share. These mtTokens will be usable for staking or as collateral in the ecosystem, creating recurring utility and activity. Peer-to-Peer (P2P) lending will cater to riskier or less liquid tokens. Lenders and borrowers will negotiate rates, duration, and collateral directly. These loans will remain isolated from core pools, protecting overall liquidity. P2P lending will allow high-reward opportunities…

Author: BitcoinEthereumNews

2025/11/16

The Next Crypto to Surge 550%? Why Everyone’s Talking About Mutuum Finance (MUTM)

The Next Crypto to Surge 550%? Why Everyone’s Talking About Mutuum Finance (MUTM)

There is an increasing proportion of crypto buyers refocusing on a single project that is swiftly gaining momentum. Numerous individuals think that this new DeFi crypto may emerge as one of the best movers to date in 2026. The precedents, the movement, and the speed of the development are creating a wave of attention that […]

Author: Cryptopolitan

2025/11/16

Top Meme Coins Worth Watching

Top Meme Coins Worth Watching

The post Top Meme Coins Worth Watching appeared on BitcoinEthereumNews.com. Crypto Presales Explore MoonBull and leading meme coins as 2025 heats up. Discover why Stage 6 demand is surging. What if the next wave of meme coins already lined up for liftoff while PEPE, WIF, BullZilla, La Culex, Apeing, Peanut the Squirrel, and MoonBull quietly sharpened their claws for 2025’s most significant breakout? The scene has become a jungle gym of speculation, chart-watching, and animated community chatter. Traders who once believed meme coins were purely hype-driven are now looking closer as tokenomics, liquidity depth, staking incentives, and governance models reshape the category. With frontrunners gathering momentum, this playful yet powerful corner of the market keeps proving why it deserves serious attention. MoonBull enters the spotlight with a live Stage 6 presale built on progressive pricing and high-engagement mechanics that reward early participants instead of late chasers. Each stage unlocks a new entry point, and the gap between phases creates visible ROI potential through mathematical pricing pathways documented within the project’s whitepaper. With another increase approaching, buyers understand that the window of opportunity narrows rapidly. Every minute delay means a higher entry price. MoonBull ($MOBU): The Smart-Mechanics Meme Coin Hitting Prime Territory MoonBull has become a rising name in the world of meme coins thanks to a design philosophy that blends playful culture with verifiable on-chain mechanics. Its Bull’s Engine introduces a dynamic cycle in which liquidity support, holder rewards, and supply scarcity interact when selling occurs. Liquidity injections maintain deeper trading pools, which blockchain researchers have linked to stronger long-term resilience within ERC-20 ecosystems. These mechanics create a built-in reinforcement pattern in which trading activity strengthens market conditions rather than shaking them. As interest spreads, observers see precisely why MoonBull attracts attention at a time when meme coins are judged not only by their humor but by their structural reliability.…

Author: BitcoinEthereumNews

2025/11/16

Yala Addresses Liquidity Crisis Amid Suspicious Activities

Yala Addresses Liquidity Crisis Amid Suspicious Activities

The post Yala Addresses Liquidity Crisis Amid Suspicious Activities appeared on BitcoinEthereumNews.com. Key Points: Yala experiences liquidity issues, impacting USDC and YU availability, raising market concerns. Suspicious borrowing affects fund utilization in Yala’s lending markets. Yala addresses community concerns, initiating an investigation into the market disruptions. The Yala blockchain platform announced on November 16 that it’s addressing liquidity concerns and suspicious activities involving its YU stablecoin, with an investigation currently underway. This issue underscores vulnerabilities in DeFi protocols, raising caution about security and liquidity in the crypto markets, especially after the YU stablecoin experienced a substantial depegging. Yala’s Liquidity Shock: Borrowing Patterns Under Scrutiny Yala reported substantial liquidity disruption as YAM Protocol posted warnings about suspicious borrowing within the Yala market on Euler. This included borrowing all available USDC despite high interest rates and non-repayment. The Euler team responded by setting the lending limit on Yala’s market to zero, impeding withdrawals. “We have observed suspicious on-chain borrowing activity that led to 100% fund utilization in Yala’s USDC pool on Euler.” — YAM Protocol Market Data and Regulatory Insights: Yala Faces Critical Challenges Did you know? In May 2025, the stablecoin USDX faced a similar liquidity crisis due to borrowing behaviors in its markets, allowing comparisons to the current challenges faced by Yala. Recent data from CoinMarketCap shows that Yala’s stablecoin YU holds a market price of $0.96, experiencing a 4.28% decline over the past 24 hours. The market cap stands at $85,978,165, with 24-hour trading volume increasing by 115.90% to $909,202.74. The recent trends underscore challenges in maintaining stability. Yala(YU), daily chart, screenshot on CoinMarketCap at 06:07 UTC on November 16, 2025. Source: CoinMarketCap Insights from Coincu’s research team suggest potential regulatory scrutiny due to unresolved liquidity concerns and suspicious market activities. Historical cases imply Yala must strengthen security and governance frameworks to restore confidence and market stability. DISCLAIMER: The information on this…

Author: BitcoinEthereumNews

2025/11/16

A review of major stablecoin de-pegging events over the past five years: a triple test of mechanism, trust, and regulation.

A review of major stablecoin de-pegging events over the past five years: a triple test of mechanism, trust, and regulation.

Author: Viee, a core contributor to Biteye *The full text is approximately 5000 words, and the estimated reading time is 13 minutes. Over the past five years, we have witnessed stablecoins de-pegging in multiple scenarios. From algorithms and high-leverage designs to the chain reaction of real-world bank failures, stablecoins are undergoing one trust rebuild after another. In this article, we attempt to connect several landmark stablecoin de-pegging events in the crypto industry between 2021 and 2025, analyze the underlying causes and impacts, and explore the lessons learned from these crises. The First Avalanche: The Collapse of Algorithmic Stablecoins If there was one crash that first shook the narrative of "algorithmic stablecoins," it was IRON Finance in the summer of 2021. At that time, the IRON/TITAN model on Polygon became a viral sensation. IRON is a partially collateralized stablecoin: partly backed by USDC and partly backed by the value of the governance coin TITAN through an algorithmic dependency. As a result, when large TITAN sell orders made the price unstable, large holders began to sell, triggering a chain reaction of bank runs: IRON redemptions → minting and selling more TITAN → TITAN collapse → IRON stablecoin further lost its anchoring ability. This is a classic "death spiral": Once the price of the internal assets that are being supported and anchored plummets, the mechanism will have little room for repair and will eventually decouple and return to zero. On the day TITAN collapsed, even prominent American investor Mark Cuban was not spared. More importantly, it made the market realize for the first time that algorithmic stablecoins are highly dependent on market confidence and internal mechanisms, and once confidence collapses, it is difficult to prevent a "death spiral." Collective disillusionment: LUNA returns to zero In May 2022, the cryptocurrency world witnessed the largest stablecoin crash in history, with Terra's algorithmic stablecoin UST and its sister coin LUNA both collapsing. UST, then the third-largest stablecoin with a market capitalization of $18 billion, was once considered a successful example of algorithmic stablecoins. However, in early May, UST experienced a massive sell-off on Curve/Anchor, gradually falling below $1 and triggering a sustained run on the exchange. UST quickly lost its 1:1 peg to the US dollar, and its price plummeted from nearly $1 to less than $0.3 within days. To maintain the peg, the protocol issued a large amount of LUNA to redeem UST, resulting in a subsequent collapse in the price of LUNA. In just a few days, LUNA plummeted from $119 to near zero, wiping out nearly $40 billion in market value. UST dropped to a few cents, and the entire Terra ecosystem vanished within a week. It can be said that LUNA's demise made the entire industry truly realize for the first time: Algorithms themselves cannot create value; they can only allocate risk. The mechanism is highly susceptible to entering an irreversible spiral structure under extreme market conditions; Investor confidence is the only trump card, and it's the easiest to fail. This time, global regulators have for the first time included "stablecoin risks" in their compliance considerations. The United States, South Korea, the European Union, and other countries have successively imposed strict restrictions on algorithmic stablecoins. It's not just the algorithm that's unstable: the ripple effects of USDC on traditional finance. With numerous problems in the algorithm model, are centralized, 100% reserve stablecoins truly risk-free? In 2023, the Silicon Valley Bank (SVB) scandal erupted when Circle admitted to holding $3.3 billion in USDC reserves with SVB. Amid market panic, the USDC briefly de-pegged to $0.87. This incident was a classic example of "price de-pegging": short-term payment capability was questioned, triggering a market sell-off. Fortunately, this de-pegging was only a brief panic, and the company quickly issued a transparent announcement, promising to cover any potential shortfall with its own funds. Ultimately, the USDC was able to re-peg after the Federal Reserve announced its decision to protect deposits. It is clear that the "anchor" of stablecoins is not only reserves, but also confidence in the liquidity of reserves. This turmoil also reminds us that even the most traditional stablecoins cannot be completely isolated from traditional financial risks. Once the pegged assets rely on the real-world banking system, their vulnerability is unavoidable. A false alarm of "de-anchoring": The USDE revolving loan crisis Recently, the cryptocurrency market experienced an unprecedented 10/11 crash panic, and the stablecoin USDe was caught in the eye of the storm. Fortunately, the eventual de-pegging was only a temporary price deviation and did not indicate a problem with its internal mechanism. USDe, issued by Ethena Labs, once ranked among the top three in global market capitalization. Unlike USDT and USDC, which have equivalent reserves, USDe uses an on-chain Delta-neutral strategy to maintain its peg. Theoretically, this "long spot + short perpetual" structure can withstand volatility. In practice, this design has proven stable in calm markets and allows users to earn a basic annualized return of 12%. On top of the already well-functioning mechanism, some users have spontaneously developed a "revolving loan" strategy: pledging USDe to borrow other stablecoins, then exchanging them back for more USDe to continue pledging, layering leverage, and using lending protocol incentives to increase annualized returns. Until October 11th, a sudden negative macroeconomic event occurred in the US: Trump announced high tariffs on China, triggering panic selling in the market. During this process, the USDe's stable peg itself did not suffer systemic damage, but due to a combination of factors, a temporary price deviation occurred: On the one hand, some users used USDe as margin for derivatives, and due to extreme market conditions triggering contract liquidation, a large amount of selling pressure appeared in the market. At the same time, the "revolving loan" structure with leverage on some lending platforms also faced liquidation one after another, further exacerbating the selling pressure on stablecoins. On the other hand, due to on-chain gas issues during the withdrawal process of exchanges, the arbitrage channel was not smooth, and the price deviation after the stablecoins were de-pegged could not be corrected in time. Ultimately, multiple mechanisms collapsed simultaneously, causing a brief market panic. USDe briefly fell from $1 to around $0.6 before recovering. Unlike some "asset failure" type de-anchoring incidents, the assets in this event did not disappear; the temporary imbalance in the anchoring was caused by factors such as macroeconomic headwinds, liquidity constraints, and liquidation paths. Following the incident, the Ethena team issued a statement clarifying that the system was functioning normally and that collateral was sufficient. Subsequently, the team announced it would strengthen monitoring and increase the collateral ratio to enhance the liquidity pool's capacity. Aftershocks continue: a chain reaction of sell-offs in xUSD, deUSD, and USDX. The aftershocks of the USDe incident had not yet subsided when another crisis erupted in November. USDX is a compliant stablecoin launched by Stable Labs, which complies with EU MiCA regulatory requirements and is pegged 1:1 to the US dollar. However, around November 6th, the price of USDX quickly fell below $1 on-chain, plummeting to as low as about $0.3, instantly losing nearly 70% of its value. The trigger was the depegging of xUSD, a yield-generating stablecoin issued by Stream, due to its external fund manager reporting approximately $93 million in asset losses. Stream immediately suspended deposits and withdrawals on its platform, and xUSD quickly fell below its peg during the panic sell-off, dropping from $1 to $0.23. Following the collapse of xUSD, the chain reaction quickly spread to Elixir and its stablecoin deUSD. Elixir had previously lent 68 million USDC to Stream, representing 65% of its total deUSD reserves, with Stream using xUSD as collateral. When xUSD fell by more than 65%, the asset backing of deUSD collapsed instantly, triggering a massive run on the cryptocurrency and causing its price to plummet. The run on the banks didn't stop there. The panic selling then spread to other similar yield-generating stablecoins, such as USDX. In just a few days, the overall market capitalization of stablecoins evaporated by over $2 billion. A protocol crisis ultimately escalated into a liquidation of the entire sector, revealing not only problems with the mechanism design but also demonstrating that the high-frequency coupling between the internal structures of DeFi means that risks are never isolated. The Triple Test of Mechanism, Trust, and Regulation When we look back at the cases of de-anchoring over the past five years, we find a glaring fact: the biggest risk of stablecoins is that everyone assumes they are "stable". From algorithmic models to centralized custody, from yield-generating innovations to composite cross-chain stablecoins, these pegging mechanisms can experience collapses or overnight losses, often due to either design flaws or a breakdown in trust. We must acknowledge that stablecoins are not merely products, but rather a mechanism-based credit structure built upon a series of assumptions that "will not be broken." 1. Not all anchors are reliable. Algorithmic stablecoins often rely on governance token buybacks and minting mechanisms. Once liquidity is insufficient, expectations collapse, and the governance token plummets, the price can fall like dominoes. Fiat reserve stablecoins (centralized): These emphasize "dollar reserves," but their stability is not entirely detached from the traditional financial system. Bank risk, custodian risk, liquidity freezes, and policy fluctuations can all erode the "promise" behind them. Even when reserves are ample but redemption capacity is limited, the risk of de-pegging remains. Yield-based stablecoins: These products integrate yield mechanisms, leverage strategies, or multiple asset portfolios into the stablecoin structure, bringing higher returns but also hidden risks. Their operation relies not only on arbitrage opportunities but also on external custody, investment returns, and strategy execution. 2. The risk transmission of stablecoins is much faster than we imagined. The collapse of xUSD is a classic example of the "contagion effect": when one protocol has a problem, another uses its stablecoin as collateral, and a third designs a stablecoin with a similar mechanism, and all of them are dragged down. Especially in the DeFi ecosystem, stablecoins are collateral assets, counterparties, and liquidation tools. Once the "anchor" is loosened, the entire chain, the entire DEX system, and even the entire strategy ecosystem will be affected and react. 3. Weak supervision: the process of filling the regulatory gaps is still ongoing. Currently, Europe and the United States have successively introduced various draft regulations categorized by type: MiCA explicitly denies the legal status of algorithmic stablecoins, and the US GENIUS Act attempts to regulate reserve mechanisms and redemption requirements. This is a positive trend; however, regulation still faces the following challenges: The cross-border nature of stablecoins makes them difficult for any single country to fully regulate. The model is complex, and there is a high degree of interconnection between on-chain and real-world assets. Regulatory agencies have not yet reached a consensus on its financial and liquidation attributes. Information disclosure is not yet fully standardized. Although on-chain transparency is high, the responsibilities of issuers, custodians, etc. remain relatively vague. Conclusion: Crisis brings opportunities for industry restructuring The crisis of stablecoins de-anchoring not only reminds us of the risks of the mechanism, but also forces the entire industry to move towards a healthier evolutionary path. On the one hand, technology is proactively addressing past vulnerabilities. For example, Ethena is adjusting its collateral ratio and strengthening monitoring in an attempt to hedge against volatility risk through proactive management. On the other hand, industry transparency is also continuously improving. On-chain audits and regulatory requirements are gradually becoming the foundation of the next generation of stablecoins, which helps to enhance trust. More importantly, users' understanding is also evolving. More and more users are beginning to pay attention to the underlying details of stablecoins, such as their mechanisms, collateral structures, and risk exposures. The focus of the stablecoin industry is shifting from "how to grow quickly" to "how to operate stably". After all, only by truly improving risk resistance can we create financial instruments that can truly support the next cycle.

Author: PANews

2025/11/16

10 Leading Crypto PR Agencies That Deliver Results for Web3 Projects

10 Leading Crypto PR Agencies That Deliver Results for Web3 Projects

Discover the 10 leading crypto PR agencies helping Web3 projects gain real visibility and investor trust. Learn why Outset PR tops the list with data-driven, results-oriented campaigns that deliver measurable impact.

Author: Cryptodaily

2025/11/14

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