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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.

15567 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Pagaya Technologies (PGY) Stock Jumps 17% as AI Fintech Posts Record Q3 Results

Pagaya Technologies (PGY) Stock Jumps 17% as AI Fintech Posts Record Q3 Results

TLDR Pagaya Technologies (PGY) reported Q3 2025 adjusted earnings of $1.02 per share, crushing analyst estimates of $0.18, while revenue hit a record $350.2 million. The company’s stock jumped 17.18% in pre-market trading following the earnings announcement. Pagaya raised its full-year 2025 guidance for the third consecutive quarter, now expecting revenue between $1.3 billion and [...] The post Pagaya Technologies (PGY) Stock Jumps 17% as AI Fintech Posts Record Q3 Results appeared first on Blockonomi.

Author: Blockonomi

2025/11/10

THORWallet adds Stellar cross-chain swaps with NEAR Intents

THORWallet adds Stellar cross-chain swaps with NEAR Intents

The post THORWallet adds Stellar cross-chain swaps with NEAR Intents appeared on BitcoinEthereumNews.com. THORWallet, the mobile-first non-custodial wallet bridging DeFi and TradFi, is thrilled to announce that Stellar cross-chain swap routes are now live powered by NEAR Intents. This new integration enables users to swap Stellar assets such as XLM or USDC (on Stellar) directly to and from Bitcoin, Ethereum, Solana, BNB Chain, and other major networks all within the THORWallet mobile app, without bridges or custodial intermediaries. “Adding Stellar cross-chain liquidity completes a major milestone in our vision for a truly chain-agnostic wallet,” said Marcel Harmann, CEO of THORWallet DEX. “Together with NEAR Intents, users can now move value from Stellar to virtually any major blockchain in one step, all while keeping full custody of their assets.” A Major Leap for Stellar and THORWallet Users Stellar has long been recognized for its fast, low-cost global payments and its expanding stablecoin ecosystem, led by USDC on Stellar. With NEAR Intents now connecting Stellar directly to other major ecosystems, THORWallet users can move from Stellar USDC to Ethereum, Solana, or Bitcoin seamlessly, unlocking powerful new cross-chain use cases for payments, DeFi, and trading. The integration builds on THORWallet’s growing cross-chain infrastructure stack, which already includes THORChain, Maya, Chainflip, 1inch, and now NEAR Intents. This positions THORWallet as one of the most comprehensive DeFi wallets available uniting multiple DEX and intent-based protocols under one intuitive interface. Furthermore, THORWallet supports Blend, one of the top lending protocols on Stellar, enabling users to lend or borrow with XLM and USDC. By combining Blend access with new cross-chain swap routes, THORWallet makes it easier than ever for users from other ecosystems to tap into lending opportunities on the Stellar network, participate in yield strategies, and move liquidity seamlessly across DeFi markets. Strong Growth Momentum Across Ecosystems THORWallet continues to show exceptional traction, with total swap volume surpassing $1.7…

Author: BitcoinEthereumNews

2025/11/10

eToro's crypto business saw strong growth in the third quarter and plans to launch a multi-functional crypto wallet.

eToro's crypto business saw strong growth in the third quarter and plans to launch a multi-functional crypto wallet.

PANews reported on November 10 that eToro's Q3 2025 financial report showed strong performance in its crypto-related business, with crypto transaction volume increasing by 84% year-on-year in October and average investment amount increasing by 52%, reflecting a significant increase in user activity. eToro stated that it is accelerating the construction of a crypto ecosystem that integrates traditional finance and Web3, and expects to launch a crypto wallet that integrates prediction markets, lending, and tokenization functions in the coming quarters. Meanwhile, the company has expanded its support for crypto assets to 110 in the United States and launched staking services for ADA, ETH, and SOL.

Author: PANews

2025/11/10

Best Meme Coins to Buy Now: JPMorgan’s Bitcoin Forecast Pulls in $500k for DeepSnitch AI

Best Meme Coins to Buy Now: JPMorgan’s Bitcoin Forecast Pulls in $500k for DeepSnitch AI

Enjoy the videos and music you love, upload original content, and share it all with friends, family, and the world on YouTube.

Author: Blockchainreporter

2025/11/10

Can Centralized Crypto Exchanges Still Compete in the Decentralized Era?

Can Centralized Crypto Exchanges Still Compete in the Decentralized Era?

Can centralized exchanges still shine in a world ruled by decentralization? Discover how innovation, trust, and technology keep them leading the crypto race even today.CEX A major question arises, can centralized crypto exchanges still hold their ground in an era dominated by decentralization? With decentralized exchanges (DEXs) gaining popularity for their transparency and user control, many entrepreneurs and startup founders are re-evaluating the role of centralized exchanges. Yet, despite the rising trend of DEXs, Centralized Crypto Exchange Development continues to play a key role in the digital asset ecosystem, offering scalability, security, and trust that many businesses still rely on. Why Centralized Exchanges Continue to Thrive Centralized crypto exchanges (CEXs) have been the backbone of digital trading since the inception of cryptocurrencies. They provide users with easy onboarding, deep liquidity, and advanced trading features that decentralized platforms often struggle to replicate. For businessmen and startup owners, CEXs offer structured environments with regulatory compliance, customer support, and powerful market-making capabilities. These features not only help build trust among investors but also allow businesses to manage large-scale trading operations efficiently, something still developing in decentralized systems. Moreover, centralized exchanges are continuously changing. With innovations in automation, AI-based trading, and risk management tools, Centralized Crypto Exchange Development has become more sophisticated than ever before. The Power of Trust and Security in Centralized Systems One of the biggest advantages of centralized exchanges lies in trust and accountability. Compared to decentralized platforms that rely solely on smart contracts, CEXs maintain human oversight, ensuring customer protection and fast issue resolution. Reputable exchanges employ strong Know Your Customer (KYC) and Anti-Money Laundering (AML) processes, which reassure both institutional and retail investors. For businesses entering the crypto space, these compliance measures are essential for building credibility and securing long-term growth. Furthermore, centralized exchanges are adopting advanced encryption technologies, multi-signature wallets, and real-time monitoring systems to enhance user security. Such measures make Centralized Crypto Exchange Development a sustainable and future-ready investment. User Experience: When it comes to user experience, centralized exchanges continue to outperform most decentralized platforms. They provide intuitive dashboards, multiple fiat-to-crypto payment options, and professional-grade trading interfaces. For entrepreneurs launching new crypto ventures, offering seamless user experiences is essential. Centralized exchanges make it easier for non-technical users to enter the crypto market, trade efficiently, and access liquidity. This ease of use translates into better customer retention, higher transaction volumes, and overall platform success. Hybrid Exchange Models: A growing number of projects are now exploring hybrid models, exchanges that combine the benefits of centralization and decentralization. These platforms maintain the security and transparency of blockchain-based systems while preserving the reliability and user-friendly design of centralized ones. Hybrid exchanges represent the next phase in Centralized Crypto Exchange Development, allowing businesses to adapt to the changing demands of the market without compromising on control or compliance. For startup founders, investing in hybrid exchange infrastructure opens the door to scalability, diverse trading options, and better investor confidence. Regulatory Compliance and Institutional Adoption Regulation continues to play a defining role in shaping the crypto landscape. Governments and financial institutions are increasingly recognizing the need for compliant, transparent exchanges. Centralized exchanges are better positioned to align with global financial standards. They implement KYC/AML, data protection, and transaction tracking systems, key factors that attract institutional investors. As more hedge funds, banks, and payment companies explore crypto trading, Centralized Crypto Exchange Development remains the go-to approach for building trust-driven ecosystems. Opportunities for Entrepreneurs and Startups For businessmen and startups, the centralized exchange model offers outstanding business potential. From transaction fees and listing revenues to staking and lending services, the revenue opportunities are vast. Launching a centralized exchange also gives companies control over liquidity, trading pairs, and customer engagement strategies. With white-label exchange solutions, even startups can enter the market quickly and cost-effectively, eliminating the need for years of technical development. These turnkey solutions simplify Centralized Crypto Exchange Development while ensuring scalability and customization to match business goals. Future of Centralized Exchanges: While decentralized systems will continue to grow, centralized exchanges are not disappearing, they are enhancing. The future will likely see more integrations with decentralized technologies such as Web3 wallets, on-chain data analytics, and DeFi partnerships. Additionally, centralized platforms will continue to innovate with AI-based risk assessment, automated compliance checks, and cross-chain interoperability. These advancements will keep CEXs at the center of the crypto economy, ensuring businesses have the tools they need to operate efficiently in the digital finance world. Conclusion: In the race between decentralization and centralization, both have unique strengths. However, centralized exchanges remain the cornerstone of global crypto adoption due to their security, compliance, and usability. For businessmen and startups looking to enter this space, the opportunities are still massive and full of growth potential. A trusted Centralized Crypto Exchange Development Company can help transform visionary ideas into high-performance trading platforms, blending innovation with reliability to thrive in the world of digital finance. Can Centralized Crypto Exchanges Still Compete in the Decentralized Era? was originally published in Coinmonks on Medium, where people are continuing the conversation by highlighting and responding to this story

Author: Medium

2025/11/10

China’s tech giants tiptoe back into consumer lending

China’s tech giants tiptoe back into consumer lending

China’s biggest internet platforms are edging their way back into consumer lending, after years of caution that followed a sweeping clampdown.

Author: Cryptopolitan

2025/11/10

When high-interest wealth management products don the guise of stablecoins

When high-interest wealth management products don the guise of stablecoins

Author: Sleepy.txt The world of stablecoins is never short of stories, but it lacks respect for risk. In November, stablecoins ran into trouble again. A "stablecoin" called xUSD experienced a flash crash on November 4th, plummeting from $1 to $0.26. As of today, it continues to fall, having dropped to $0.12, wiping out 88% of its market capitalization. Image source: Coingecko The project that ran into trouble was Stream Finance, a high-profile project that managed $500 million in assets. They packaged their high-risk investment strategy as the dividend-paying stablecoin xUSD, claiming it was "pegged to the US dollar and automatically generates interest," essentially just incorporating investment returns into it. However, any investment strategy cannot guarantee perpetual profits. On October 11th, the day of the crypto market crash, their off-chain trading strategy failed, resulting in a loss of $93 million, equivalent to approximately 660 million RMB. This amount is enough to buy more than forty 100-square-meter apartments within Beijing's Second Ring Road. A month later, Stream Finance announced the suspension of all deposits and withdrawals, and the xUSD price was decoupled. Panic spread rapidly. According to research firm Stablewatch, over $1 billion fled various dividend-paying stablecoins in the following week. This is equivalent to a run on all deposits in a mid-sized city commercial bank within seven days. Alarms are sounding throughout the DeFi investment market. In some protocols, borrowing rates have even reached a staggering -752%, meaning that collateral has become worthless and no one will repay the money to redeem it, plunging the market into chaos. All of this stems from a seemingly attractive promise: stability and high interest rates. When the illusion of "stability" is shattered by a large bearish candlestick, we must re-examine which stablecoins are truly stablecoins, which are just high-risk investments disguised as stablecoins, and why high-risk investments can now brazenly call themselves "stablecoins". The Emperor's New Clothes In the world of finance, the most beautiful masks often conceal the sharpest fangs. Stream Finance and its stablecoin xUSD are a prime example. It claims that xUSD uses a "Delta-neutral strategy." This is a complex term originating from the professional trading field, designed to hedge against the risk of market volatility through a series of sophisticated financial instruments, which sounds very safe and professional. The project's narrative is that users can obtain stable returns regardless of market fluctuations. In just a few months, it attracted as much as $500 million in investment. However, stripped of its facade, according to on-chain data analysts, xUSD's true operating model is riddled with flaws. First, there's the extreme lack of transparency. Of the claimed $500 million in assets, less than 30% can be traced on the blockchain; the remaining "Schrödinger's $350 million" operates entirely in the shadows. Nobody knew what was happening inside this black box until the moment it collapsed. Secondly, there was the astonishingly high leverage. The project team used only $170 million in real assets to leverage up to $530 million in loans through repeated collateralization and lending on other DeFi protocols, resulting in a real leverage ratio of over 4 times. What does this mean? You think you're exchanging for a firmly pegged "digital dollar," and you're dreaming of a stable high annual interest rate of over ten percent. In reality, you're buying LP shares of a 4x leveraged hedge fund, and you can't even see 70% of the fund's holdings. What you perceive as "stability" is actually your money being traded at extremely high frequency in the world's largest digital casino. This is precisely where the most dangerous aspect of these "stablecoins" lies. They use the label of "stable" to mask their true nature as "hedge funds." They promise ordinary investors the security of bank savings, but at their core, they operate with high-risk strategies that only the most professional traders can manage. Following the incident, Deddy Lavid, CEO of blockchain security company Cyvers, commented: "Even if the protocol itself is secure, external fund managers, off-chain custody, and human oversight remain critical weaknesses. This Stream crash was not a code problem, but a human problem." This viewpoint hits the nail on the head. The root of Stream Finance's problem lies in the fact that the project team has carefully packaged an extremely complex, high-risk, and unregulated financial game as a "stable investment product" that ordinary people can easily participate in. Dominoes If Stream Finance manufactured a bomb, then Curator, a DeFi lending product, became the courier of that bomb, ultimately leading to a far-reaching chain of explosions. In emerging lending protocols like Morpho and Euler, Curator acts as a "fund manager." They are mostly professional investment teams responsible for packaging complex DeFi strategies into "strategy vaults," allowing ordinary users to deposit funds with a single click and enjoy returns, much like buying wealth management products on a bank app. Their main income comes from a percentage of user earnings as performance fees. In theory, they should be professional risk gatekeepers, helping users screen for high-quality assets. However, their performance fee business model has also laid the groundwork for them to pursue high-risk assets. Because in the extremely competitive DeFi market, higher annualized returns mean attracting more users and funds, thereby earning more performance fees. When Stream Finance, an asset packaged as "stable and high-yield," appeared, it immediately became a hot commodity in the eyes of many Curators. The Stream Finance incident exemplifies this worst-case scenario. On-chain data tracking reveals that several prominent Curators, including MEV Capital, Re7 Labs, and TelosC, have heavily invested in high-risk xUSD across their vaults on protocols like Euler and Morpho. TelosC alone has a risk exposure of $123 million. More importantly, this configuration was not an unintentional mistake. Evidence suggests that several industry KOLs and analysts had publicly warned of transparency and leverage risks associated with xUSD in the days leading up to the incident, but these Curators, who held substantial funds and should have been primarily responsible for the risks, chose to ignore them. However, some Curators themselves were also victims of this packaging scam. K3 Capital was one of them. This Curator, which managed millions of dollars in assets through the Euler protocol, lost $2 million in the explosion. On November 7, the founder of K3 spoke out publicly on Euler's Discord channel, revealing how they were scammed. Image source: Discord The story begins with another "stablecoin" project. Elixir is a project that issues a dividend-paying stablecoin called deUSD. It claims to use a "basis trading strategy," and K3 allocated deUSD in its managed vaults based on this promise. However, in late October, without any Curator's consent, Elixir unilaterally changed its investment strategy, lending approximately 68 million USDC to Stream Finance through Morpho, turning basis trading into a nested investment scheme. These are completely different products. Basis trading involves direct investment in a specific trading strategy, making the risk relatively controllable. In contrast, nested investment products involve lending money to another investment product, effectively adding another layer of risk on top of the existing high risk. When Stream's bad debts were made public on November 3rd, K3 immediately contacted Elixir founder Philip Forte, demanding a guarantee of a 1:1 liquidation of deUSD. However, Philip remained silent and offered no response. Left with no other option, K3 forced a liquidation on November 4th, leaving behind $2 million in deUSD. Elixir announced insolvency on November 6th, offering a solution where retail investors and those in liquidity pools could exchange their deUSD for USDC at a 1:1 ratio, but deUSD held in Curator's vault would not be exchanged, requiring everyone to negotiate a solution. Currently, K3 has hired top U.S. lawyers and is preparing to sue Elixir and Philip Forte for unilaterally changing terms and making false claims, demanding compensation for damage to its reputation and forcing the exchange of deUSD back to USDC. When the gatekeepers themselves start selling risk, the fall of the entire fortress is only a matter of time. And when the gatekeepers themselves fall for it, who can be expected to protect the users? Same old wine in new bottles This "packaging-diffusion-collapse" pattern is so familiar in financial history. Whether it's LUNA, which evaporated $40 billion in 72 hours in 2022 with its "algorithmic stability, 20% annualized return" narrative, or even earlier in 2008, when Wall Street elites packaged a bunch of high-risk subprime mortgages into AAA-rated "CDOs" through complex financial engineering, ultimately triggering the global financial crisis, the core principle remains strikingly consistent: to complexly package high-risk assets to make them appear as low-risk products, and then sell them through various channels to investors who cannot fully understand the risks behind them. From Wall Street to DeFi, from CDOs to "dividend-paying stablecoins," the technology changes, the names change, but human greed remains unchanged. According to industry data, there are currently over 50 similar dividend-paying stablecoin projects operating in the DeFi market, with a total locked value exceeding $8 billion. Most of them use various complex financial engineering techniques to package high-leverage, high-risk trading strategies into stable and high-yield financial products. Image source: stablewatch The root of the problem lies in the fact that we've given these products the wrong name. The term "stablecoin" creates a false sense of security and a numbness to risk. When people see stablecoins, they think of dollar reserve assets like USDC and USDT, not a highly leveraged hedge fund. A lawsuit can't save a market, but it can wake it up. When the tide goes out, we should see not only those who are swimming naked, but also those who never intended to wear swim trunks in the first place. $8 billion, 50 projects, the next Stream could appear at any moment. Until then, remember this simple common sense: when a product needs to attract you with extremely high annualized returns, it is bound to be unstable.

Author: PANews

2025/11/10

Exploring the Potential of Mutuum Finance (MUTM) in the DeFi Landscape

Exploring the Potential of Mutuum Finance (MUTM) in the DeFi Landscape

Focusing on innovative financial tools within the DeFi sphere, Mutuum Finance (MUTM) has been designed to offer under-collateralized lending—a model that allows for borrowing without the need to over-collateralize. This approach is unique even among established DeFi platforms like Aave and Compound, positioning MUTM as a pioneer in the space. A Closer Look at Shiba Inu's Current Market Status Reflecting on Shiba Inu's current market scenario reveals a significant downturn, with the token value at its lowest in 23 months, marking a sharp decline in investor confidence. Contrastingly, this downturn has led market focus to shift towards more utility-oriented tokens like MUTM. Mutuum Finance's Market Engagement and Presale Success The ongoing interest in Mutuum Finance is reflected in its presale stages, with Stage 6 nearing completion and over $18.55 million raised from more than 17,830 investors. These numbers not only demonstrate robust market trust but also underscore the growing demand for functional and utilitarian crypto solutions. Reinventing Lending in DeFi Central to the appeal of Mutuum Finance is its responsive lending model, which adjusts interest rates based on real-time market dynamics. This transparency and flexibility are essential for fostering a fair and efficient borrowing environment, contributing to its potential as a leading investment opportunity in the blockchain space. Setting New Benchmarks in Decentralized Finance Mutuum Finance is actively setting new standards in what can be achieved in decentralized finance by focusing on trust, practical usability, and long-term value. As the platform progresses, it continues to evolve beyond a simple digital token, cultivating a comprehensive economic ecosystem that supports widespread user participation and financial growth. For those keen on exploring more about this innovative DeFi platform, further details can be accessed via the official Mutuum Finance website and their comprehensive resource hub at Linktree. Disclaimer: This is a sponsored article and is for informational purposes only. It does not reflect the views of Bitzo, nor is it intended to be used as legal, tax, investment, or financial advice.

Author: Coinstats

2025/11/10

CFTC ready to revolutionize the crypto market: leveraged spot trading on the way

CFTC ready to revolutionize the crypto market: leveraged spot trading on the way

The CFTC has indicated the possibility of launching leveraged spot trading on crypto as early as next month.

Author: The Cryptonomist

2025/11/10

Q4 2025 Milestone, V1 Protocol Launch Planned for Mutuum Finance (MUTM)

Q4 2025 Milestone, V1 Protocol Launch Planned for Mutuum Finance (MUTM)

Mutuum Finance (MUTM) is preparing to roll out its V1 protocol on the Sepolia testnet in Q4 2025. This major milestone marks the shift from planning to tangible delivery. The token is currently priced at $0.035 in Phase 6, with about 87% of the 170 million tokens already sold.

Author: Hackernoon

2025/11/10

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