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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.

15532 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Volkswagen and Rivian Explore Licensing Joint EV Platform to Other Automakers

Volkswagen and Rivian Explore Licensing Joint EV Platform to Other Automakers

The post Volkswagen and Rivian Explore Licensing Joint EV Platform to Other Automakers appeared on BitcoinEthereumNews.com. COINOTAG recommends • Exchange signup 💹 Trade with pro tools Fast execution, robust charts, clean risk controls. 👉 Open account → COINOTAG recommends • Exchange signup 🚀 Smooth orders, clear control Advanced order types and market depth in one view. 👉 Create account → COINOTAG recommends • Exchange signup 📈 Clarity in volatile markets Plan entries & exits, manage positions with discipline. 👉 Sign up → COINOTAG recommends • Exchange signup ⚡ Speed, depth, reliability Execute confidently when timing matters. 👉 Open account → COINOTAG recommends • Exchange signup 🧭 A focused workflow for traders Alerts, watchlists, and a repeatable process. 👉 Get started → COINOTAG recommends • Exchange signup ✅ Data‑driven decisions Focus on process—not noise. 👉 Sign up → Volkswagen and Rivian have formed the RV Tech joint venture to develop a scalable electric vehicle platform, which they plan to license to other automakers starting in 2026. This collaboration combines engineering expertise to address common industry challenges in software and electronics, potentially transforming EV production efficiency. RV Tech integrates Rivian’s centralized electronics for cost-effective development across multiple vehicle types. The platform supports both electric and combustion engine vehicles, broadening its appeal to global manufacturers. Initial testing in winter conditions begins Q1 2026, involving models from Audi, Volkswagen, and Scout for real-world validation. Discover how Volkswagen and Rivian’s RV Tech joint venture is revolutionizing EV platforms for licensing to other automakers. Explore key details, timelines, and industry impacts today. What is the Volkswagen Rivian EV Platform? The Volkswagen Rivian EV platform, developed through their RV Tech joint venture, is a flexible electrical and software architecture designed to power a range of vehicles from compact cars to rugged SUVs. Formed a year ago, this partnership unites engineers from both companies to create a system that tackles widespread automotive challenges like…

Author: BitcoinEthereumNews

2025/11/13

Aerodrome-Velodrome Merger Forms Aero DEX, Allocating 94.5% of AERO Tokens to Holders

Aerodrome-Velodrome Merger Forms Aero DEX, Allocating 94.5% of AERO Tokens to Holders

The post Aerodrome-Velodrome Merger Forms Aero DEX, Allocating 94.5% of AERO Tokens to Holders appeared on BitcoinEthereumNews.com. COINOTAG recommends • Exchange signup 💹 Trade with pro tools Fast execution, robust charts, clean risk controls. 👉 Open account → COINOTAG recommends • Exchange signup 🚀 Smooth orders, clear control Advanced order types and market depth in one view. 👉 Create account → COINOTAG recommends • Exchange signup 📈 Clarity in volatile markets Plan entries & exits, manage positions with discipline. 👉 Sign up → COINOTAG recommends • Exchange signup ⚡ Speed, depth, reliability Execute confidently when timing matters. 👉 Open account → COINOTAG recommends • Exchange signup 🧭 A focused workflow for traders Alerts, watchlists, and a repeatable process. 👉 Get started → COINOTAG recommends • Exchange signup ✅ Data‑driven decisions Focus on process—not noise. 👉 Sign up → The Aero merger unites Aerodrome and Velodrome Finance into a cross-chain DEX on Layer 2 networks like Base and Optimism. Aerodrome holders get 94.5% of the new AERO tokens, while Velodrome holders receive 5.5%, based on their TVL disparity. This creates a unified liquidity hub with advanced governance and emissions models. Aerodrome dominates with $479 million TVL versus Velodrome’s $55 million, justifying the token allocation in the Aero merger. The platform expands to Base, Optimism, OP Superchain, and Ethereum mainnet for deeper liquidity integration. Incorporates Slipstream V2 for concentrated liquidity, targeting 10-15% of Layer 2 DEX volume, over $2 billion monthly. Discover the Aero merger details: how Aerodrome and Velodrome unite for cross-chain DeFi dominance. Explore token distribution, upgrades, and impacts on Layer 2 trading. Stay ahead in crypto—read now! What is the Aero Merger in DeFi? The Aero merger represents a pivotal consolidation in decentralized finance, where Aerodrome and Velodrome Finance combine under Dromos Labs to launch Aero, a unified cross-chain decentralized exchange. This integration leverages the strengths of both protocols to enhance liquidity and governance across Layer…

Author: BitcoinEthereumNews

2025/11/13

PBOC sets USD/CNY reference rate at 7.0865 vs. 7.0833 previous

PBOC sets USD/CNY reference rate at 7.0865 vs. 7.0833 previous

The post PBOC sets USD/CNY reference rate at 7.0865 vs. 7.0833 previous appeared on BitcoinEthereumNews.com. On Thursday, the People’s Bank of China (PBOC) set the USD/CNY central rate for the trading session ahead at 7.0865 compared to the previous day’s fix of 7.0833 and 7.1156 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-70865-vs-70833-previous-202511130115

Author: BitcoinEthereumNews

2025/11/13

This New Crypto Token at $0.035 Could Be the Best 30x Opportunity of Q4 2025

This New Crypto Token at $0.035 Could Be the Best 30x Opportunity of Q4 2025

The post This New Crypto Token at $0.035 Could Be the Best 30x Opportunity of Q4 2025 appeared on BitcoinEthereumNews.com. In every market cycle, there is one token that begins so subtly, but then gains traction and then all the talk in the community. With Q4 2025 drawing near, analysts are indicating a $0.035 DeFi crypto project. The traders are seeing the initial indications of increasing demand and some suspect that this structure behind the token might make it one of the strongest growth opportunities in the quarter. Its premise is starting to draw interest in all quarters of investors. Mutuum Finance (MUTM)  Mutuum Finance (MUTM) is a decentralized lending protocol that is being developed to introduce clarity and efficiency to lending digital assets. The platform employs a Peer-to-Contract business model in which users place assets in a liquidity pool. Such deposits are turned into mtTokens tracking earned interests. APY is boosted when the demand for loans is high. As such, mtTokens automatically update with increased interest income in case a person provides the market with for example $1,000 of ETH and borrowing operations increase.  There are also Peer-to-peer lending markets of assets that are more controlled under Mutuum Finance. Borrowers are subjected to variable interest rates which are influenced by availability of liquidity. Loan-to-Value (LTV) ratios provide the maximum and minimum amount of collateral that can be borrowed. Less riskier assets will have greater LTVs whereas more risky assets will have lower limits. A liquidation process is triggered in case a borrower is put in a situation that is unsafe. To create an overall solvency, liquidators have the ability to purchase discounted collateral to put the situation back on track. These mechanics devise a system constructed on anticipatory lending, equity borrowing and reliable liquidations. Numbers Behind the Presale At the beginning of 2025, the presale was initiated at $0.01. Those early prices developed an excellent foundation among early purchasers.…

Author: BitcoinEthereumNews

2025/11/13

The $100M Built Network Blending Blockchain, AI, & Privacy

The $100M Built Network Blending Blockchain, AI, & Privacy

The post The $100M Built Network Blending Blockchain, AI, & Privacy appeared on BitcoinEthereumNews.com. Crypto Presales Discover how Zero Knowledge Proof’s $100M built-first network with encrypted smart contracts and live AI compute is redefining blockchain and emerging as a top crypto to buy in 2025. In a market filled with projects that sell promises long before delivering results, Zero Knowledge Proof (ZKP) has reversed the model entirely. It built everything before selling anything. With over $100 million invested in infrastructure, testnet live on day one, and AI compute integration, ZKP isn’t pitching a concept; it’s presenting a finished product. Now entering its whitelist phase, ZKP is being touted as a frontrunner among the top cryptocurrencies to buy in 2025. It represents a new class of blockchain project, one that combines operational credibility with privacy-focused technology designed for large-scale enterprise and AI adoption. A Build-First Approach That Changed the Game ZKP’s approach breaks the unspoken rule of the crypto market: don’t build until you raise. Instead, the team delivered a functioning ecosystem before opening its presale. The result is a network that already supports real-time computation, proof generation, and privacy-preserving transactions. The four-layer architecture that powers ZKP is already operational: Hybrid Consensus Layer: Merges Proof-of-Intelligence and Proof-of-Space to balance computation and energy efficiency. Execution Layer: Enables private smart contracts compatible with both EVM and WASM standards. Zero-Knowledge Layer: Handles real-time proof compression and verification for scalability. Storage Layer: Integrates IPFS and Filecoin for decentralized, encrypted data handling. This infrastructure doesn’t just exist in theory; it’s already running compute tasks that demonstrate how blockchain and AI can coexist securely. That early functionality gives ZKP a credibility advantage that few other presales can claim, and solidifies its place among the top crypto to buy before 2026. Where Privacy Meets Productivity The defining feature of the ZKP ecosystem is its privacy-first compute model. Every process, from validation to…

Author: BitcoinEthereumNews

2025/11/13

Inside Zero Knowledge Proof (ZKP): The $100M Built Network Blending Blockchain, AI, & Privacy

Inside Zero Knowledge Proof (ZKP): The $100M Built Network Blending Blockchain, AI, & Privacy

In a market filled with projects that sell promises long before delivering results, Zero Knowledge Proof (ZKP) has reversed the […] The post Inside Zero Knowledge Proof (ZKP): The $100M Built Network Blending Blockchain, AI, & Privacy appeared first on Coindoo.

Author: Coindoo

2025/11/13

JPMorgan’s JPMD on Base – Key details of the biggest TradFi move

JPMorgan’s JPMD on Base – Key details of the biggest TradFi move

The post JPMorgan’s JPMD on Base – Key details of the biggest TradFi move appeared on BitcoinEthereumNews.com. Key Takeaways Who can use JPMD? It’s designed exclusively for institutional clients, ensuring full KYC and regulatory compliance. How is JPMD different from stablecoins? Unlike stablecoins, JPMD represents real bank deposits and can be interest-bearing, offering a more regulated and transparent option. JPMorgan Chase has officially launched its USD-backed digital deposit token, JPM Coin (JPMD). The token, designed for institutional clients, represents dollar deposits held at JPMorgan and allows for near-instant transfers via Coinbase’s public blockchain, Base, according to a Bloomberg report. Details of JPM Coin After months of rigorous testing, JPMorgan has officially rolled out JPMD on Base Layer 2. The launch follows a successful pilot that started in June, enabling 24/7, near-instant settlement for institutional clients who can now easily send and receive tokens on the Base network. Major financial players such as B2C2, Coinbase, and Mastercard participated in early trials. Serving as a digital representation of JPMorgan’s bank deposits on a public blockchain, JPMD allows for on-chain, real-time payments, enhancing speed, transparency, and efficiency for institutional clients. How is it different from normal stablecoins? Unlike typical stablecoins, however, JPMD is strictly designed for regulated institutional use. It ensures full compliance with KYC and banking standards while bridging the gap between traditional finance and blockchain technology. Remarking on the same, Naveen Mallela, Global Co-Head of Kinexys by JPMorgan, said, “We’re moving the industry forward in transacting on public blockchains, beginning with Base, the Ethereum Layer 2 public blockchain built within Coinbase.” These tokens can also be interest-bearing, making them particularly appealing to institutional investors seeking yield-generating digital assets. Other banks and their approach towards crypto This aligned with a global trend among major financial institutions, including Citigroup, Deutsche Bank, Banco Santander, and PayPal, all of which are exploring blockchain-based payment solutions to enhance efficiency and reduce transaction costs.…

Author: BitcoinEthereumNews

2025/11/13

Strategy CEO on Preferred Stock: Bitcoin Adoption Tool for Risk-Averse Investors

Strategy CEO on Preferred Stock: Bitcoin Adoption Tool for Risk-Averse Investors

The post Strategy CEO on Preferred Stock: Bitcoin Adoption Tool for Risk-Averse Investors appeared on BitcoinEthereumNews.com. Strategy CEO Phong Le positioned the company’s preferred stock offerings as vehicles for stealth Bitcoin adoption during a November 11 interview, targeting investors who would never directly purchase the underlying asset. Le described how the company’s preferred stocks appeal to both Gen Z retail investors on Robinhood and retirees seeking income without equity volatility. They pay dividends ranging from 8% to 10.25%, backed by Strategy’s Bitcoin treasury. It creates what Le called a product-market fit between Bitcoin-backed securities and risk-averse savers. Preferred Stocks Target Bitcoin Skeptics Preferred stocks are hybrid securities that sit between debt and equity in a company’s capital structure. They typically pay fixed dividends and have priority over common shares in bankruptcy, but lack voting rights and upside participation compared to common stock. Strategy launched four Bitcoin-backed preferred offerings over the past eight months, with the most recent called STRC providing 10.25% monthly dividends. Le explained that a 25-year-old with $10,000 in savings previously had few attractive options beyond bank accounts earning near-zero or money markets at 4% pre-tax yields. They offer double-digit yields in a tax-advantaged structure backed by Bitcoin appreciation. Investors are not required to understand or believe in the underlying asset. Le noted that retirees and cautious savers who would never purchase MSTR shares or self-custody Bitcoin suddenly become comfortable with the preferred structure because it resembles traditional fixed-income products. Robinhood listed Strategy’s preferreds despite never previously supporting preferred securities on its platform, requiring technical development to handle dividend-paying instruments. Le attributed the move to customer demand from Robinhood’s retail base seeking yield products beyond equities. Phong Le during his interview with True North | Source: True North/X 2026 Bank Custody Bet Drives Strategy Le made his boldest prediction when asked about Bitcoin’s future adoption trajectory, stating a central US bank will offer Bitcoin…

Author: BitcoinEthereumNews

2025/11/13

Coinbase Hires Former Goldman Sachs Partner to Advance Everything Exchange Platform

Coinbase Hires Former Goldman Sachs Partner to Advance Everything Exchange Platform

The post Coinbase Hires Former Goldman Sachs Partner to Advance Everything Exchange Platform appeared on BitcoinEthereumNews.com. COINOTAG recommends • Exchange signup 💹 Trade with pro tools Fast execution, robust charts, clean risk controls. 👉 Open account → COINOTAG recommends • Exchange signup 🚀 Smooth orders, clear control Advanced order types and market depth in one view. 👉 Create account → COINOTAG recommends • Exchange signup 📈 Clarity in volatile markets Plan entries & exits, manage positions with discipline. 👉 Sign up → COINOTAG recommends • Exchange signup ⚡ Speed, depth, reliability Execute confidently when timing matters. 👉 Open account → COINOTAG recommends • Exchange signup 🧭 A focused workflow for traders Alerts, watchlists, and a repeatable process. 👉 Get started → COINOTAG recommends • Exchange signup ✅ Data‑driven decisions Focus on process—not noise. 👉 Sign up → Coinbase has appointed Liz Martin, a former Goldman Sachs partner with 25 years in global markets and consumer finance, as VP of Product to lead the development of its Everything Exchange platform. This initiative aims to consolidate trading, borrowing, staking, spending, and earning services into a unified crypto ecosystem. Coinbase’s Everything Exchange platform integrates multiple crypto services for seamless user access. Liz Martin’s extensive finance background will drive product innovation and market expansion. The hire aligns with growing institutional interest in crypto, as evidenced by recent analyst upgrades and service acquisitions. Coinbase appoints Liz Martin as VP of Product for Everything Exchange platform. Discover how her Goldman Sachs expertise enhances crypto trading, staking, and more. Stay ahead in the evolving crypto market—explore now. What is Coinbase’s Everything Exchange Platform? Coinbase’s Everything Exchange is a comprehensive platform designed to serve as a one-stop solution for cryptocurrency users by integrating essential services like trading, borrowing, staking, spending, and earning into a single ecosystem. Launched as part of Coinbase’s strategic expansion, it aims to simplify access to advanced features such as tokenized…

Author: BitcoinEthereumNews

2025/11/13

Investors Are Rushing Into This New Crypto Coin, Could It Be Q4 2025’s Biggest Surprise?

Investors Are Rushing Into This New Crypto Coin, Could It Be Q4 2025’s Biggest Surprise?

There is at least one project that surprises all when it comes to every market cycle. With Q4 2025 in sight, more traders say they have discovered it. By far, the initial signs are already present in the virtual world: the emerging interest in the matter, progressing tempo, good rates and a roadmap that is […]

Author: Cryptopolitan

2025/11/13

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