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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.

15520 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
JPMorgan Just Crossed the Line Between TradFi and DeFi

JPMorgan Just Crossed the Line Between TradFi and DeFi

The post JPMorgan Just Crossed the Line Between TradFi and DeFi appeared on BitcoinEthereumNews.com. Wall Street is finally stepping onto the same rails as DeFi, as seen with JPMorgan Chase & Co. beginning to roll out its JPM Coin deposit token on Coinbase’s Base network. This enables institutional clients to settle transactions instantly and 24/7, marking a major expansion of traditional banking into public blockchain infrastructure. Sponsored Sponsored Deposit Tokens Meet Public Blockchain JPM Coin, representing dollar deposits held at the bank, allows clients to send and receive funds on Base chain, a public, Ethereum-compatible network. Citing Naveen Mallela, global co-head of JPMorgan’s blockchain division Kinexys, Bloomberg reported that deposit tokens are a compelling alternative to stablecoins, offering yield-bearing capabilities directly tied to customer deposits. Unlike traditional stablecoins, which rarely pass on interest earned from reserve assets, JPM Coin can pay holders interest. This makes it attractive for institutions, including crypto trading firms that use stablecoins for collateral or liquidity management. JPMorgan’s rollout follows trials involving Mastercard, Coinbase, and B2C2. The bank plans to extend access to clients of its clients and add other currency versions, pending regulatory approval. Mallela confirmed the trademark of “JPME” for a potential euro-denominated token. Sponsored Sponsored Coinbase’s Base Network as The Common Rail The launch leverages Base, Coinbase’s Layer 2 solution that has already powered its $1 billion on-chain Bitcoin-backed loan book. Through Base, Coinbase allows users to borrow USDC against Bitcoin without selling BTC, integrating protocols like Morpho to streamline collateralized lending. Next goal: $100B in onchain borrow originations. These adoption charts are what every product manager wants to see: hockey stick growth. The onchain economy is thriving. Proud of the team for making DeFi more accessible and easier to use. https://t.co/LgqfOacPWQ — Brian Armstrong (@brian_armstrong) September 30, 2025 By hosting both JPM Coin and DeFi-native services, Base is now the first public blockchain to support a…

Author: BitcoinEthereumNews

2025/11/12

Avalanche (AVAX) Powers Digital Liquidity Gateway with FIS and Intain Partnership

Avalanche (AVAX) Powers Digital Liquidity Gateway with FIS and Intain Partnership

The post Avalanche (AVAX) Powers Digital Liquidity Gateway with FIS and Intain Partnership appeared on BitcoinEthereumNews.com. Caroline Bishop Nov 11, 2025 05:42 Intain and FIS leverage Avalanche’s blockchain to launch the Digital Liquidity Gateway, enhancing capital access for community banks and modernizing asset-backed finance. In a significant move for the blockchain and financial sectors, Intain Markets and FIS have teamed up to launch the Digital Liquidity Gateway, a platform built on Avalanche’s blockchain, according to Avax.network. This innovative marketplace is designed to connect regional and community banks to institutional-grade liquidity, enabling them to buy, sell, and securitize loan portfolios with enhanced transparency and efficiency. Modernizing Asset-Backed Finance The Digital Liquidity Gateway is poised to revolutionize asset-backed finance by integrating with FIS’ core banking systems and utilizing artificial intelligence to automate processes traditionally handled manually. This platform moves the securitization of loans onto Intain’s Avalanche Layer-1 blockchain, where data verification and settlement occur instantly and programmatically. As the platform begins onboarding banks and investors, it anticipates processing hundreds of millions of dollars in transactions by the end of the year. Siddhartha, CEO of Intain Markets, emphasized the importance of this development, stating, “This partnership brings blockchain where it matters most – into asset-backed finance.” The platform’s automation and transparency are designed to rebuild trust in financial assets, particularly in light of recent industry challenges. Expanding Capital Access and Strengthening Local Economies Community banks, which are crucial for financing small businesses and local projects, often face difficulties accessing wider capital markets. The Digital Liquidity Gateway aims to bridge this gap by creating a transparent marketplace that allows these banks to distribute loan portfolios directly to institutional investors. Early transactions have demonstrated the platform’s ability to facilitate faster and more transparent interactions, simplifying due diligence and investment processes. John Omahen, Head of FIS Digital Assets, highlighted the transformative impact, noting, “Digital…

Author: BitcoinEthereumNews

2025/11/12

JPMorgan targets digital-asset market by launching deposit token

JPMorgan targets digital-asset market by launching deposit token

The post JPMorgan targets digital-asset market by launching deposit token appeared on BitcoinEthereumNews.com. JPMorgan Chase & Co. (JPM) has officially begun rolling out a new deposit-token product, branded as JPM Coin (or JPMD), aimed at its institutional clientele. These tokens operate on the Base blockchain, which is linked to Coinbase, and represent dollar deposits at JPMorgan. The bank has tested JPM Coin on leading firms and plans to add other currencies once regulators approve.  Unlike many so‑called stablecoins, JPM Coin is structured as a “deposit token”, meaning it is a digital claim on actual bank deposits at JPMorgan rather than a separately issued asset backed by reserves JPMorgan speeds up transactions using JPM Coin Normal bank payments only work during business hours and can take one or more days to go through, but users can now transact with JPM Coin at any time of the day within seconds.  Before allowing more people to use JPM Coin, the bank tested it with major companies, including Mastercard, Coinbase, and B2C2, to assess how well the token performs in real-world business operations. JPMorgan also used the trial to identify and fix any bugs and plan how to use the token with other payment networks. The banking institution aims for JPM Coin to reach a broader range of businesses over time. JPMorgan will also create other versions of the coin in different currencies, such as the Euro, which will be called JPME. This way, companies around the world will be able to send and receive money in seconds, while still adhering to the rules set by banks and regulators.  JPMorgan also runs Kinexys Digital Payments, and JPM Coin is a part of it. The network already processes over $3 billion every day and accommodates transactions in dollars, euros, and pounds. JPMorgan is a great example of how banks can utilize new technology to facilitate faster payments and provide…

Author: BitcoinEthereumNews

2025/11/12

Banking Groups Challenge Coinbase’s Path to Federal Trust Charter

Banking Groups Challenge Coinbase’s Path to Federal Trust Charter

The Independent Community Bankers of America has filed a formal objection to Coinbase’s application for a National Trust Company Charter, marking the latest friction between traditional banks and crypto companies pushing into regulated financial services. In a November 3 letter to the Office of the Comptroller of the Currency, the trade group raised concerns about […]

Author: Tronweekly

2025/11/12

Top Crypto to Buy Now Under $1 as Shiba Inu (SHIB) Stalls

Top Crypto to Buy Now Under $1 as Shiba Inu (SHIB) Stalls

While Shiba Inu (SHIB) has been struggling to regain its former momentum, investors are increasingly turning their attention to Mutuum […] The post Top Crypto to Buy Now Under $1 as Shiba Inu (SHIB) Stalls appeared first on Coindoo.

Author: Coindoo

2025/11/12

JPMorgan and DBS Plan New Blockchain Rail for Global Tokenized Payments

JPMorgan and DBS Plan New Blockchain Rail for Global Tokenized Payments

The post JPMorgan and DBS Plan New Blockchain Rail for Global Tokenized Payments appeared on BitcoinEthereumNews.com. Fintech The next phase of digital banking may be shaped by an alliance between two financial heavyweights. Key Takeaways: JPMorgan and DBS are building a shared blockchain framework for cross-chain, cross-bank tokenized deposits. The system enables instant, 24/7 global transfers while maintaining value parity across blockchains. Both banks integrate their existing networks — Kinexys and DBS Token Services — for seamless interoperability. The project reflects a broader move toward regulated tokenized finance among major institutions.  JPMorgan Chase and DBS Bank are collaborating on a new infrastructure that could allow tokenized deposits to move freely across different blockchains — a step that might redefine how money flows between banks. The Architecture of Interoperability At the center of the project is an attempt to solve one of the biggest barriers in tokenized finance: interoperability. Both banks operate advanced blockchain systems — JPMorgan’s Kinexys Digital Payments and DBS Token Services — but until now, transactions between them remained isolated. The new framework will bridge those networks, creating a continuous settlement layer that links private and public blockchains. In practice, this means a client holding tokenized cash at one institution could instantly send funds to another, regardless of which blockchain each bank uses. The system is designed to keep deposits interchangeable, maintaining a one-to-one value across platforms — what both institutions describe as “the singleness of money.” Rethinking Cross-Border Banking Today, even the most advanced payment systems depend on intermediaries and operating-hour constraints. The JPMorgan–DBS model envisions a world where corporate clients can send money globally in seconds, 24/7, using digital representations of deposits instead of traditional wire transfers. That model has implications far beyond efficiency. It suggests that blockchain can act as the settlement layer for the global banking system, not just a niche technology for crypto firms. “Businesses are looking for liquidity…

Author: BitcoinEthereumNews

2025/11/12

Tether Launches USD₮0, CNH₮0 on China-Approved Conflux

Tether Launches USD₮0, CNH₮0 on China-Approved Conflux

The post Tether Launches USD₮0, CNH₮0 on China-Approved Conflux appeared on BitcoinEthereumNews.com. Tether launched CNH₮0 and USD₮0 on Conflux to link offshore yuan and U.S. dollar liquidity for faster cross-border use. The Conflux deployment gives Tether a regulatory-aligned network in Asia for CNH-denominated payments, credit, and FX flows. The dual launch builds a unified liquidity layer so businesses can move value between China-focused and dollar markets. Tether is expanding its on-chain liquidity network by launching CNH₮0 and USD₮0 on the Conflux blockchain. The launch links China’s offshore yuan and the U.S. dollar to a network that is approved for use in China. Tether is targeting cross-border settlements across Asia, the Middle East, and Europe so institutional users can move value in compliant environments. The Tether expansion shows the issuer is tying real-world currencies to chains regulators and enterprises already recognize. Tether Strengthens CNH Liquidity Across Chains CNH₮0, the omnichain version of Tether’s offshore yuan token, gives users more flexibility in cross-border transactions. CNH₮0 lets CNH-backed value move across multiple chains without wrapped tokens or liquidity fragmentation. That means institutions, FX desks, and developers can build payments networks, lending markets, and routing tools on top of CNH liquidity. The CNH₮0 design creates room for yuan-linked rails in regions where offshore yuan already circulates. The CNH₮0 rollout on Conflux also lowers settlement costs and time for international businesses. The Tether yuan token supports CNH-denominated liquidity pools and credit instruments that expand financial access across global markets. The CNH₮0 model simplifies trade invoicing, streamlines capital movement, and reinforces the use of offshore yuan in digital finance. That positions CNH₮0 as a building block for new cross-border payment products. Related: Tether Targets $20B Raise at $500B Valuation, Expansion Beyond Crypto Planned Why Tether Picked Conflux The first deployment of CNH₮0 and USD₮0 takes place on Conflux, a high-throughput Layer 1 blockchain optimized for real-world use cases.…

Author: BitcoinEthereumNews

2025/11/12

SoFi Stock: Bank Returns to Crypto Trading After Two-Year Absence

SoFi Stock: Bank Returns to Crypto Trading After Two-Year Absence

TLDR SoFi Technologies launched crypto trading services for customers on Monday, becoming the first nationally chartered consumer bank to offer this service. The rollout includes dozens of cryptocurrencies like Bitcoin and Ethereum, with phased access for customers over the coming weeks. SoFi plans to launch its own stablecoin called SoFi USD by 2026, backed dollar-for-dollar [...] The post SoFi Stock: Bank Returns to Crypto Trading After Two-Year Absence appeared first on CoinCentral.

Author: Coincentral

2025/11/12

Softening stablecoin stance could rattle UK credit markets, BoE deputy warns

Softening stablecoin stance could rattle UK credit markets, BoE deputy warns

The post Softening stablecoin stance could rattle UK credit markets, BoE deputy warns appeared on BitcoinEthereumNews.com. If the UK softens its stance towards stablecoins, it could pose risks to financial stability and trigger a credit crunch, according to the Bank of England’s deputy governor, Sarah Breeden, who has recently defended the central bank’s proposed holding limits and liquidity rules for stablecoin issuers. Summary BoE deputy Sarah Breeden says strict stablecoin rules are necessary to preserve economic stability. The central bank has proposed stablecoin holding limitations, which critics argue could drive away innovation. Speaking to Reuters, Breeden touched upon how the UK’s approach was necessarily more cautious when placed side by side with the U.S., because of a “different set of risks” tied to the country’s heavy reliance on bank lending and the structural adjustments needed to accommodate this “new form of money.” Breeden’s comments come in response to mounting industry backlash over the stringent proposals that the central bank unveiled earlier this week, after several years of consultation and debate around how stablecoins should fit into the UK’s financial system. On Monday, the BoE unveiled the UK’s first formal regulatory framework for stablecoins, but placed a cap of 20,000 pounds on individual holdings and 10 million pounds for businesses. If that wasn’t enough, the proposal also requires issuers to keep 40% of their reserve assets in non-interest-bearing deposits at the central bank. Breeden said that protections like the 40% deposit rule were “grounded” in past incidents that highlighted systemic vulnerabilities. She specifically highlighted the collapse of Silicon Valley Bank back in 2023, when Circle’s USDC lost its peg after billions in reserves were frozen. Further defending the restrictions, Breeden said the rules can potentially “halve the stress” on banks by limiting large outflows of deposits that might otherwise be used to purchase stablecoins, thereby cushioning the impact on credit creation and lending activity across the country.…

Author: BitcoinEthereumNews

2025/11/12

Ethereum (ETH) Price: Former BlackRock Executive Says It’s Wall Street’s Blockchain of Choice

Ethereum (ETH) Price: Former BlackRock Executive Says It’s Wall Street’s Blockchain of Choice

TLDR Former BlackRock executive Joseph Chalom says Ethereum is the only blockchain with the trust, security, and liquidity Wall Street needs for digitizing finance Tokenized fund assets on Ethereum have surged nearly 2,000% since January 2024, led by BlackRock and Fidelity bringing investment funds on-chain Chalom’s company Sharplink holds over $3 billion in ETH and [...] The post Ethereum (ETH) Price: Former BlackRock Executive Says It’s Wall Street’s Blockchain of Choice appeared first on CoinCentral.

Author: Coincentral

2025/11/12

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