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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
Polygon News: Polygon, Anq Teams Meet PM Modi’s Advisor to Discuss Tokenization, Stablecoins

Polygon News: Polygon, Anq Teams Meet PM Modi’s Advisor to Discuss Tokenization, Stablecoins

Polygon and Anq met PM Modi’s advisor, Sanjeev Sanyal, to discuss tokenization and a new, sovereign-backed Indian stablecoin model. The blockchain innovators Polygon and Anq recently engaged with a top Indian government official. They had an important meeting with Sanjeev Sanyal in New Delhi. He is an important member of Prime Minister Narendra Modi’s Economic […] The post Polygon News: Polygon, Anq Teams Meet PM Modi’s Advisor to Discuss Tokenization, Stablecoins appeared first on Live Bitcoin News.

Author: LiveBitcoinNews

2025/11/12

How a Crypto Derivatives Exchange Should Define Mark Price

How a Crypto Derivatives Exchange Should Define Mark Price

The Right Balance Between Theoretical Price and Orderbook Reality Mark Price is one of the most important numbers inside a derivatives exchange. It determines when liquidations trigger, how margin is calculated, and whether traders feel the system is fair and robust. A robust derivatives venue needs a Mark Price that is accurate, manipulation-resistant, and stable. Achieving all three requires blending two key signals: Theoretical Price (Theo) Orderbook-Implied Price (OB-Mid) The challenge is not choosing one or the other, but understanding when each should dominate. What Theo Represents: The Safety Anchor Theo is a fair-value estimate built from external market data: for spot / perp: a multi-exchange index for dated future / options: a pricing model under certain assumptions Theo does not tell you where liquidations can actually execute. Its role is different: It acts as a guardrail when: an asset has thin liquidity on the venue manipulation orders unrealistically shift the book wrong or stale prices are mistakenly placed If the exchange blindly trusts the orderbook in these scenarios, users can be unfairly liquidated – or the exchange itself may take unnecessary risk. Theo is the price that says: What OB-Mid Represents: The Executable Reality Orderbook-implied price (depth-weighted mid, or model fitting) captures: real executable levels liquidity and depth conditions This is crucial because liquidations must reflect where the market can actually trade. When liquidity is normal, OB-Mid is far more informative than Theo. OB-Mid answers the practical question: The Correct Design: A Corridor Between Theo and OB-Mid Use OB-Mid when the market is healthy. Use Theo when market signals become unreliable.

  1. Compute Theo.
  2. Compute OB-Mid.
  3. Define a threshold Δ.
  4. Apply the rule:
If OB-Mid lies within Theo ± Δ → use OB-Mid Otherwise → use Theo ± Δ On top of this, exchanges apply smoothing (moving average or filtering) to prevent unnecessary mark spikes. This blended structure ensures: fairer liquidations resistance to manipulation smoother price evolution alignment with global markets robustness for thin or unstable orderbooks In simple terms: Why This Matters Even More for Altcoins BTC and ETH typically have: deep liquidity tight spreads stable external references OB-Mid can dominate most of the time. But altcoins often face: fragmented markets thin books sudden spread jumps low cost of influencing OB-Mid In these cases, an exchange relying solely on orderbook signals becomes vulnerable. Theo must take a larger role, and the threshold Δ should expand dynamically based on liquidity conditions. Conclusion A robust Mark Price must reflect real execution while being protected by fair-value boundaries. The correct framework is not Theo versus OB-Mid, but a dynamic interaction: OB-Mid = primary signal for actual trading conditions Theo = protective barrier against noise, errors, and manipulation This corridor approach reflects the modern standard at a time when crypto regulation is progressing but still far from broad. As the regulatory landscape continues to mature, exchanges must design robust and automated safeguards to protect both themselves and their users – rather than relying on market stability or assuming that regulation will catch every form of manipulation. How a Crypto Derivatives Exchange Should Define Mark Price was originally published in Coinmonks on Medium, where people are continuing the conversation by highlighting and responding to this story

Author: Medium

2025/11/12

Evernorth Details $1B ‘Yield-Bearing’ XRP Fund for Nasdaq

Evernorth Details $1B ‘Yield-Bearing’ XRP Fund for Nasdaq

The post Evernorth Details $1B ‘Yield-Bearing’ XRP Fund for Nasdaq appeared on BitcoinEthereumNews.com. Evernorth will operate similarly to an asset management fund, holding and deploying XRP while offering shares of its treasury Birla stated that Evernorth intends to list its fund shares under the ticker XRPN on NASDAQ, as early as Q1 2026 Instead of simply holding XRP, the treasury will deploy it into yield-generating opportunities across the growing XRPL and cross-chain DeFi ecosystem Evernorth’s CEO Asheesh Birla joined Tony Edward on his Thinking Crypto podcast to talk about the company’s new $1 billion fund dedicated to holding XRP. The company will operate similarly to an asset management fund, holding and deploying XRP while offering shares of its treasury. This model is designed for large institutions and corporate treasuries that want to invest in crypto but prefer to avoid the complexity and security risks of handling the digital assets directly. During the podcast, Birla stated that Evernorth intends to list its fund shares under the ticker XRPN on NASDAQ, as early as Q1 2026.  Related: Ripple-Backed Evernorth Aims to Raise Over $1B for XRP Treasury When investors buy shares of XRPN, they are essentially buying a piece of the company’s XRP holdings. This approach is similar to how Bitcoin ETFs work and follows the same principle as MicroStrategy’s well-known plan of holding a large amount of Bitcoin on its corporate balance sheet. How This Model Differs From a Standard ETF However, Evernorth’ strategy goes a step further. Mainly, instead of simply holding XRP, the treasury will deploy it into yield-generating opportunities across the growing XRPL and cross-chain DeFi ecosystem.  It was stated that yield generated from staking, lending, and liquidity routing will be used to accumulate additional XRP, allowing the treasury’s asset holdings per share to grow over time. This is different from standard ETFs, which simply hold the asset without trying to…

Author: BitcoinEthereumNews

2025/11/12

Tokenized Loan Platform Aims to Modernize Small Bank Lending

Tokenized Loan Platform Aims to Modernize Small Bank Lending

The post Tokenized Loan Platform Aims to Modernize Small Bank Lending appeared on BitcoinEthereumNews.com. Financial tech provider FIS and structured finance platform Intain are rolling out a blockchain-based marketplace built on AVAX$17.36 that allows regional and community banks to securitize and sell loan portfolios directly to institutional investors, the firms told CoinDesk. Digital Liquidity Gateway, as it is dubbed, tokenizes loans as non-fungible tokens (NFTs), automates settlement including with stablecoins like USDC, and removes layers of intermediaries that often make asset-backed finance slow and costly. It’s integrated with FIS’s core banking systems that provide software and payment infrastructure to more than 20,000 clients worldwide. The platform is already onboarding banks and investors, with hundreds of millions of dollars in loan transactions expected by the end of the year starting with loan pools tied to commercial real estate and aviation finance, the companies said. The initiative fits into a broader shift as asset managers, banks and fintechs place assets onto blockchain rails in a process called tokenization of real-world assets (RWA). While many of those efforts focus on large institutions, Intain and FIS are aiming at the long tail of community and regional banks that fund much of local small business lending but rarely reach securitization markets. “These small banks are remote from most capital markets flows,” John Omahen, head of digital assets at FIS, said in an interview. “They originate loans and sit on them. They don’t have the expertise to structure deals or reach investors. What we’re doing is creating a place where those assets can meet demand, and capital can move more efficiently.” Loan tokenization to increase transparency Recent failures and controversies, including those at auto lender Tricolor and car parts manufacturer First Brands, have highlighted how weak data controls and opaque loan tracking can lead to double-pledging, mispricing and investor losses. Digital Liquidity Gateway’s key feature is loan tokenization, where each…

Author: BitcoinEthereumNews

2025/11/12

First U.S. Bank to Trade Crypto: SoFi Enables Bitcoin, Ethereum, Solana Access

First U.S. Bank to Trade Crypto: SoFi Enables Bitcoin, Ethereum, Solana Access

TLDR: SoFi becomes the first nationally‑chartered U.S. bank to enable retail crypto trading. Launch covers major tokens including Bitcoin, Ethereum and Solana under one platform. Regulatory clarity from the OCC in 2025 freed banks to advance crypto services. SoFi’s roadmap includes stablecoin issuance and crypto‑based infrastructure extensions. Retail customers at SoFi Technologies, Inc. (“SoFi”) can [...] The post First U.S. Bank to Trade Crypto: SoFi Enables Bitcoin, Ethereum, Solana Access appeared first on Blockonomi.

Author: Blockonomi

2025/11/12

SoFi Launches Crypto Trading, Citing ‘Bank-Level Confidence’ as Key Edge

SoFi Launches Crypto Trading, Citing ‘Bank-Level Confidence’ as Key Edge

The post SoFi Launches Crypto Trading, Citing ‘Bank-Level Confidence’ as Key Edge appeared on BitcoinEthereumNews.com. SoFi has become the first nationally chartered consumer bank in the U.S. to launch in-app cryptocurrency trading, adding bitcoin, ethereum, and solana access to its growing suite of financial services. The company announced the launch of SoFi Crypto on Tuesday, marking a significant expansion of its all-in-one financial platform. Customers will now be able to buy, sell, and hold dozens of cryptocurrencies alongside checking, savings, lending, and investing. The crypto feature is rolling out in phases and will be available to all users in the coming weeks, according to the company. The move follows a shift in SoFi’s strategy after the company paused digital asset services in 2023 while seeking a banking license. At the time, crypto faced stricter regulatory scrutiny under the Biden dministration. Earlier this year, CEO Anthony Noto said SoFi planned to re-enter the crypto space, and this rollout marks the company making good on that pledge. Unlike fintechs or brokerages, SoFi operates with a full national bank charter, which brings stricter compliance requirements. That difference could matter to customers: the company says 60% of its users would rather store crypto with a licensed bank than a crypto-native exchange. SoFi is also developing a U.S. dollar stablecoin and has plans to integrate crypto further into lending and payments products. Source: https://www.coindesk.com/business/2025/11/11/sofi-launches-crypto-trading-citing-bank-level-confidence-as-key-edge

Author: BitcoinEthereumNews

2025/11/12

Bitcoin Trading For 12.6 Million Customers

Bitcoin Trading For 12.6 Million Customers

The post Bitcoin Trading For 12.6 Million Customers appeared on BitcoinEthereumNews.com. SoFi Technologies (NASDAQ: SOFI) has become the first nationally chartered bank in the United States to launch crypto services for retail customers. The company’s new SoFi Crypto platform allows members to buy, sell, and hold Bitcoin (BTC) directly within their bank accounts. The rollout begins Tuesday, with phased access expanding to all of SoFi’s 12.6 million customers by the end of 2025.  “Today marks a pivotal moment when banking meets crypto in one app,” said CEO Anthony Noto. “It’s critical to give our members a secure and regulated way to step into the future of money.” Customers can also purchase Ethereum and Solana, with more crypto rolling out in the future.  A regulatory green light for SoFi The launch follows a dramatic reversal in U.S. banking policy. After years of regulatory hesitation under the Biden administration, the Office of the Comptroller of the Currency (OCC) and the Federal Deposit Insurance Corporation (FDIC) clarified earlier this year that nationally chartered banks can offer crypto custody, trading, and settlement services. “We’ve wanted to be a one stop shop for all your financial services needs, and one of the holes we’ve had for the last 2 years was in cryptocurrency,” Noto said on CNBC this morning. ”The ability to buy, sell, and hold crypto, we were not allowed to do that as a bank, it was not permissible” That change — part of a broader deregulatory wave under President Trump — has sparked a new phase of institutional adoption.  In May, the OCC’s interpretive letter gave banks the legal clarity needed to handle crypto directly rather than through third-party intermediaries. “SoFi went from not being able to offer crypto products as a bank to having the best license a company can have to deliver them,” Noto said per Reuters. Crypto confidence at a…

Author: BitcoinEthereumNews

2025/11/12

Top 6 Telegram games to play in November 2025

Top 6 Telegram games to play in November 2025

The post Top 6 Telegram games to play in November 2025 appeared on BitcoinEthereumNews.com. Telegram has steadily evolved from a messaging app into one of the most active hubs for crypto communities, and games have become a major part of that shift. Over the past year, mini-games powered by bots have grown into an ecosystem of their own, mixing casual gameplay with real incentives. From simple tap mechanics to strategy-driven worlds, these games are designed to be played instantly within the app, without the friction of downloads or heavy setups. For many users, the appeal lies in the combination of entertainment and opportunity that includes earnable tokens, NFTs, and leaderboard rewards layered on top of accessible gameplay. With new titles launching every month, Telegram is no longer just a platform for group chats and updates; it’s also a proving ground for the next wave of play-to-earn experiences. Here’s a look at some of the standout Telegram games making waves in November 2025: 1. DOGS DOGS takes a different approach to Telegram gaming by leaning into internet culture as much as gameplay. Built around the popularity of dog memes, the project combines humor, community interaction, and cryptocurrency rewards into one ecosystem. Rather than relying only on tap-to-earn mechanics, DOGS thrives on social participation, where players can engage with the community and collect DOGS tokens as they contribute. The charm of DOGS lies in its cultural relevance. It shows how quickly a meme-driven idea can evolve into a blockchain-backed trend, attracting both casual users and crypto enthusiasts. For players, it’s about being part of a playful community that reflects one of crypto’s most enduring themes: memes with real value. 2. BlumCrypto BlumCrypto is a tap-to-earn game on Telegram with a focus on environmental awareness. Players complete tasks such as planting virtual trees, recycling in-game items, and cleaning up digital oceans, combining gameplay with sustainability goals. The…

Author: BitcoinEthereumNews

2025/11/12

Shiba Inu (SHIB) Partners With Unity Nodes to Unlock Real-World Crypto Utility

Shiba Inu (SHIB) Partners With Unity Nodes to Unlock Real-World Crypto Utility

TLDR: Unity Nodes integrates telecom testing with blockchain, rewarding SHIB holders. SHIB payments grant extra Unity Licenses and exclusive NFTs. Node operators can earn directly in SHIB or lease for passive income. Only 6,000 Unity Nodes available, emphasizing scarcity for early adopters. Shiba Inu (SHIB) is moving beyond its meme token origins with a new [...] The post Shiba Inu (SHIB) Partners With Unity Nodes to Unlock Real-World Crypto Utility appeared first on Blockonomi.

Author: Blockonomi

2025/11/12

SoFi Bank Launches Crypto Trading: Boost Your Financial Portfolio Today

SoFi Bank Launches Crypto Trading: Boost Your Financial Portfolio Today

Introducing a significant development in the traditional banking sector, SoFi Technologies has officially launched crypto trading services for its customers. This move marks a notable milestone as a federally chartered bank embracing the expanding crypto market, fostering greater integration between traditional finance and digital assets. The rollout aligns with recent regulatory clarifications, highlighting the evolving [...]

Author: Crypto Breaking News

2025/11/12

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