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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
JPMorgan: Bitcoin Surpasses Gold as Preferred Investment After Deleveraging

JPMorgan: Bitcoin Surpasses Gold as Preferred Investment After Deleveraging

JPMorgan Chase has declared Bitcoin more attractive than gold for investors following recent market deleveraging trends, marking a significant shift in institutional perspectives toward cryptocurrency as a legitimate alternative asset class.

Author: MEXC NEWS

2025/11/07

Block posts weak Q3 results despite raising full-year guidance

Block posts weak Q3 results despite raising full-year guidance

The post Block posts weak Q3 results despite raising full-year guidance appeared on BitcoinEthereumNews.com. Block took a heavy hit on Thursday as its stock (XYZ) crashed by almost 12% in after-hours trading, after the FinTech company released third-quarter results that failed to meet expectations, even while it lifted full-year forecasts. The earnings report showed a sharp miss on both earnings per share and revenue, disappointing investors who had been expecting a much stronger performance by the Jack Dorsey-led company. Block’s adjusted EPS came in at $0.54, which far below the analyst consensus of $0.63, a 14% miss, while revenue came in at $6.11 billion, also far below the $6.33 billion predicted by LSEG analysts. The weaker results overshadowed what was otherwise solid operational growth across Block’s key ecosystems Cash App and Square, with gross profit on both increasing 18% year over year to $2.66 billion. Within that, Cash App produced $1.62 billion, up 24%, while Square contributed $1.02 billion, up 9%. Square’s Gross Payment Volume (GPV) also surged by 12%, and Cash App recorded 58 million monthly active users as of September. Jack said, “We had another strong quarter delivering for our customers with high quality and high velocity. Square GPV growth accelerated to 12%, and we gained profitable market share through product innovation and expanded distribution.” Block raises guidance after weak quarterly results Despite missing expectations, Block raised its 2025 full-year guidance, forecasting $10.24 billion in gross profit, which is over 15% year-over-year growth, and $2.06 billion in adjusted operating income at a 20% margin. For the Q4, Block expects gross profit of $2.76 billion, which is a 19% surge from last year. The earnings report also said that Block’s Proto ecosystem generated revenue for the first time last quarter, describing it as a potential “next major ecosystem” for Block, expanding beyond its established platforms. Alongside that, the company continues to embed AI…

Author: BitcoinEthereumNews

2025/11/07

Bitcoin.com, Concordium partner on age-verified crypto payments

Bitcoin.com, Concordium partner on age-verified crypto payments

The post Bitcoin.com, Concordium partner on age-verified crypto payments appeared on BitcoinEthereumNews.com. Bitcoin.com and Concordium have teamed up to introduce age-verified stablecoin payments to 75 million wallets, blending privacy with new compliance standards. Crypto media and wallet platform Bitcoin.com has partnered with Concordium, a privacy-focused layer-1 blockchain, to enable age-verified stablecoin payments across more than 75 million wallets on Bitcoin.com’s network. Announced on Thursday, the integration allows wallet users to verify specific identity attributes, such as age or jurisdiction, without revealing personal details. Verification occurs off-chain through independent third-party providers, and no personal data is stored on the blockchain. Each transaction utilizes zero-knowledge proof technology to verify compliance requirements while maintaining user privacy. Read more Source: https://cointelegraph.com/news/bitcoincom-concordium-age-verified-stablecoin-payments?utm_source=rss_feed&utm_medium=feed%3F_refresh%3D39u2ns%26ttl%3D0%26__%3D1762499959695%26rand%3Dx6kdf_1762499959695&utm_campaign=rss_partner_inbound

Author: BitcoinEthereumNews

2025/11/07

Stablecoin Network Reaches $10T Annual Volume with Interoperability Focus

Stablecoin Network Reaches $10T Annual Volume with Interoperability Focus

A major stablecoin ecosystem has achieved $10 trillion in annual transaction volume while committing to enhanced cross-chain interoperability, marking a significant milestone in digital currency adoption and blockchain connectivity.

Author: MEXC NEWS

2025/11/07

Solana Stablecoin Market Cap Hits $14.1B in Q3 2025, Up 36.5%

Solana Stablecoin Market Cap Hits $14.1B in Q3 2025, Up 36.5%

Solana's stablecoin ecosystem experienced remarkable growth in Q3 2025, with total market capitalization surging 36.5% to reach $14.1 billion, solidifying its position as a major hub for dollar-pegged digital assets.

Author: MEXC NEWS

2025/11/07

Solana ETF Records $29.22M Inflow on November 6

Solana ETF Records $29.22M Inflow on November 6

On November 6, Solana exchange-traded funds recorded a significant $29.22 million in net inflows, signaling growing institutional interest in the high-performance blockchain platform.

Author: MEXC NEWS

2025/11/07

Whale Withdraws $114.9 Million USDT, Spikes Aave Utilization

Whale Withdraws $114.9 Million USDT, Spikes Aave Utilization

The post Whale Withdraws $114.9 Million USDT, Spikes Aave Utilization appeared on BitcoinEthereumNews.com. Key Points: Whale withdrawal boosts Aave’s USDT utilization rate, surpassing threshold. Interest rate spikes to curb excessive borrowing. Stablecoin dynamics shift on Aave platform. A large cryptocurrency investor, identified by wallet 0x540C, withdrew $114.9 million USDT from Aave’s main market, raising the USDT utilization rate past its optimal threshold. This increased borrowing costs, aligning with Aave’s risk management mechanisms to stabilize liquidity and incentivize further deposit supply, highlighting potential volatility within decentralized finance markets. Aave’s Utilization Rate Skyrockets to 92.83% Following the significant USDT withdrawal, Aave’s utilization rate rose to 92.83%, which surpasses its optimal threshold. This event has caused interest rates to increase significantly, according to the Aave documentation, encouraging liquidity rebalancing. Industry observers report that the abrupt hike in interest rates aims to manage borrowing and prompt new deposits. As of now, there have been no official statements from Aave’s leadership team regarding this event. According to CoinMarketCap, Tether (USDT) is currently priced at $1.00. It has a market cap of $183.37 billion and market dominance of 5.37%. Trading volume hit $139.37 billion in the last 24 hours with a minor price change of -0.04% over this period. Over the last 90 days, USDT has seen minor fluctuations, with price decreases of 0.06%. “When utilization exceeds this point, Slope 2 kicks in, sharply increasing interest rates to discourage excessive borrowing and protect the remaining liquidity.” — Aave Documentation, Official Documentation Team, Aave DeFi Market Dynamics and Price Analysis Under Scrutiny Did you know? In March 2023, a similar event saw Aave’s DAI market reach near-100% utilization, causing interest rates to spike and new deposits to be incentivized. The Coincu research team highlights the potential for changing borrowing and lending dynamics within the DeFi landscape, stressing the importance of market stability mechanisms during high utilization phases. Tether USDt(USDT), daily…

Author: BitcoinEthereumNews

2025/11/07

Compound Partially Lifts Pause on USDC, USDS Lending Markets

Compound Partially Lifts Pause on USDC, USDS Lending Markets

The post Compound Partially Lifts Pause on USDC, USDS Lending Markets appeared on BitcoinEthereumNews.com. Key Points: Compound lifts restrictions on USDC, USDS lending following proposal from Gauntlet. Resumption aimed to stabilize market liquidity post-$93 million loss debacle. Elixir’s collateral fall underscores compounded risk vulnerabilities. Compound, influenced by Gauntlet’s recommendation, reinstated some lending services on November 6 after pausing them due to Elixir’s deUSD and sdeUSD liquidity issues. The resumption intends to stabilize market operations and address investment losses, stemming from a liquidity crunch impacting key stablecoins, and meet risk management requirements. Compound Resumes USDC, USDS Lending After $93 Million Impact Compound resolved to temporarily halt lending markets for USDC, USDS, and USDT following Gauntlet’s recommendation. Gauntlet cited concerns over Elixir’s collateral, introducing a risk of cascading liquidity issues. Stream Finance’s exposure led to the identification of significant vulnerabilities surrounding deUSD and sdeUSD. The decision to pause interactions aimed to reinforce risk controls while allowing continued deposit and repayment actions. In lifting the pause partially, the protocol moved to cautiously resume withdrawals of USDC and USDS. Compound stated its strategy involves carefully evaluated risk measures, as community governance forums engage with risk analysis discussions. Due to concerns surrounding Elixir, Gauntlet has observed a liquidity crunch in both deUSD and sdeUSD. Both tokens are listed as collateral on Ethereum USDC, Ethereum USDS, and Ethereum USDT. Gauntlet has already recommended risk parameter updates (Tally). However, these have yet to pass through Governance. – Gauntlet Risk Management Team, Analyst, Gauntlet (source) DeFi’s Liquidity Risk Under Spotlight Amid Market Fluctuations Did you know? Previous oracle desyncs have prompted similar crisis management actions, drawing parallels with other DeFi incidents where stablecoin depegs necessitated emergency protocol responses. CoinMarketCap data for USDC reveals a circulating supply of 75.45 billion with a 24-hour trading volume of “18.51 billion,” marking a 4.76% change. Despite market fluctuations, prices remain stable around the “0.99996” mark, maintaining…

Author: BitcoinEthereumNews

2025/11/07

PBOC sets USD/CNY reference rate at 7.0836 vs. 7.0865 previous

PBOC sets USD/CNY reference rate at 7.0836 vs. 7.0865 previous

The post PBOC sets USD/CNY reference rate at 7.0836 vs. 7.0865 previous appeared on BitcoinEthereumNews.com. The People’s Bank of China (PBOC) set the USD/CNY central rate for the trading session ahead on Friday at 7.0836 compared to the previous day’s fix of 7.0865 and 7.1131 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-70836-vs-70865-previous-202511070115

Author: BitcoinEthereumNews

2025/11/07

A self-reflection on the cryptocurrency risk culture: Principal protection and new fundraising paradigms

A self-reflection on the cryptocurrency risk culture: Principal protection and new fundraising paradigms

In previous cycles, Andre Cronje, the founder of the Sonic (formerly Fantom) public blockchain, was known as the "King of DeFi". Now, this former king has returned, bringing a new financing paradigm to the crypto market. In the current extremely cautious market environment, Flying Tulip completed a seed round of financing of approximately $200 million last month and plans to raise another $800 million through a public offering, expanding its total fundraising to a valuation of $1 billion. How did you do that? AC's latest project, Flying Tulip, is positioned as a "full-stack on-chain financial market," aiming to integrate spot trading, lending, and perpetual contracts through a unified risk and pricing model. Technically, it emphasizes a hybrid AMM (Automated Market Maker) + order book, volatility-adjusted lending, and cross-chain support. To put it more bluntly, the goal is to reuse the "same unit of collateral" across different functions in order to improve capital efficiency. The most innovative aspect of this project is its reversible financing mechanism, namely "non-consumable financing," which mainly includes: On-chain redemption right: Flying Tulip's financing structure includes an "on-chain redemption right" mechanism (meaning investors can redeem their original investment by burning tokens under certain conditions). All private and public investors have a redemption right that can be exercised at any time (similar to a perpetual put option), and can redeem the original investment amount, achieving an asymmetric return structure of "limited downside and potential upside". Redemption mechanism: Executed through audited smart contracts, with rate limits and a queuing system to ensure solvency. Funding Deployment: The funds raised will not be spent directly, but will be invested in protocols such as Aave, Ethena, and Spark to generate an annualized return of approximately 4%. Cash flow arrangement: Part of the funds will be invested in low-risk DeFi strategies or structured products, with the yield covering operating expenses and redemption needs. Risk isolation: Redemption reserves are separated from operating funds to ensure security. This model keeps the financing funds intact, using the returns to support operations, thus maintaining the project's operation "with returns rather than principal". In terms of incentives, FT's team incentive model innovates or references the practices of leading decentralized trading platform HyperLiquid, and proposes incentive methods and buyback mechanisms based on this: Zero initial allocation: The team does not receive an initial token allocation, but earns revenue through open market buybacks funded by protocol revenue. Revenue-linked: Team earnings depend entirely on the actual use and long-term performance of the protocol. Continuous buyback: All revenue sources (transaction fees, lending spreads, stablecoin yields, etc.) are used to buy back and burn tokens. Open and transparent: The buyback program will have a clear timetable, avoiding the opaque token releases of traditional projects. Fixed supply and deflationary mechanism: The total supply of FT is capped at 10 billion tokens, with 10 tokens corresponding to every 1 US dollar of collateral. There is no inflation, and the token scarcity and holder value are continuously increased through the deflationary mechanism. The essence of this financing is that investors purchase a long-term put option that allows them to redeem their principal at any time, while the project team supports its operations with low-risk DeFi yields. In other words, in this investment, investors can exchange their tokens back to their original investment in US dollars (or equivalent stablecoins) at any time. The $200 million raised is locked in low-risk DeFi yield strategies (such as Aave, Ethena, and Spark), generating an annualized yield of approximately 4%. This means that for every $1 billion raised, approximately $40 million in yield can be generated annually to cover the project's operating expenses. This allows the raised funds to serve as initial capital, not to be consumed, but only to be used to maintain the project's operation through the passive income generated. The project's sustainability depends on the platform generating revenue to achieve long-term self-sufficiency. For investors, participating in financing involves paying the opportunity cost of using the funds. This model is a key innovation that distinguishes the project from traditional financing methods. It allows investors to only bear the opportunity cost; however, in a bull market, this form of financing, which may experience slow early development, could lead to some funds being redeemed in pursuit of higher returns. Currently, institutions that have announced or are rumored to be investors include: Brevan Howard Digital, CoinFund, DWF Labs, FalconX, Hypersphere, Lemniscap, Nascent, Republic Digital, etc. For projects, this approach establishes a sustainable funding pool and stable cash flow. In the future, if other projects wish to attract institutional funding, they may also need to offer similar principal protection and return-linked mechanisms, tying team earnings to platform usage to prevent early sell-offs. This will drive the industry towards a financing model based on "revenue buybacks" and "performance alignment." Regardless, the interests of original investors typically take precedence over those of secondary market buyers and the team, a principle emphasized in the mechanism design. This model has the potential to reshape the funding standards of the crypto primary market, providing investors with a stronger margin of safety and sustainability. Admittedly, the success of a project ultimately depends on whether its core product can prevail in fierce market competition. Even though this requires time to verify, we still expect it to generate a positive flywheel effect. This model may be setting a new and higher starting point for subsequent startups.

Author: PANews

2025/11/07

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