ExchangeDEX+
Buy CryptoMarketsSpotFuturesGOLDEarnEvent Center
More
Commodity Zero-Fee Gala

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.

15509 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Senator Lummis: Community Banks Need to Embrace Bitcoin by 2026

Senator Lummis: Community Banks Need to Embrace Bitcoin by 2026

U.S. Senator Cynthia Lummis has issued a clarion call for community banks to embrace Bitcoin and cryptocurrency, predicting that 2026 will mark a pivotal year for mainstream Bitcoin adoption across the American banking sector.

Author: MEXC NEWS

2025/11/06

Chainlink Enables WisdomTree to Bridge Traditional and DeFi Markets

Chainlink Enables WisdomTree to Bridge Traditional and DeFi Markets

The post Chainlink Enables WisdomTree to Bridge Traditional and DeFi Markets appeared on BitcoinEthereumNews.com. BlockchainFintech A major step toward merging institutional finance with decentralized infrastructure is underway. Key Takeaways: WisdomTree expands its blockchain integration through Chainlink. Verified fund data to be published on Ethereum. Collaboration aims to bridge traditional finance and DeFi.  Global asset manager WisdomTree has selected Chainlink’s DataLink Services to transmit verified fund data directly to the Ethereum blockchain, starting with its Private Credit and Alternative Income Digital Fund (CRDT). The initiative gives one of the world’s largest asset managers—over $130 billion under management—a way to publish fund valuations on-chain, allowing decentralized platforms to access and use verified pricing data for the first time. Real-World Assets Meet On-Chain Data At the core of this collaboration is a push to make traditional financial products interoperable with DeFi systems. The move will see the CRDT fund’s Net Asset Value (NAV) streamed securely through Chainlink’s data infrastructure, providing transparency to token holders and liquidity providers while keeping compliance intact. WisdomTree said the partnership is part of a broader plan to expand blockchain integration across its product lineup. Future tokenized funds in its portfolio are expected to follow the same model once the CRDT pilot goes live. Tokenized Credit, Now Visible On Ethereum The CRDT fund, introduced on September 12, 2025, offers diversified exposure to private credit and alternative income instruments, benchmarked against the Gapstow Private Credit and Alternative Income Index. By moving NAV data to the Ethereum mainnet, the project effectively allows investors and smart contracts to read the fund’s value in real time. This transparency could enable entirely new categories of DeFi applications—such as lending markets that price risk using real-world credit data, or automated portfolios that rebalance according to on-chain fund valuations. The Broader Implications For Chainlink, the integration represents another milestone in bridging traditional finance and blockchain. Its DataLink Services have become…

Author: BitcoinEthereumNews

2025/11/06

Elon Musk’s Post Drives DOGE-1 Surge of 300% Amid Meme Token Volatility

Elon Musk’s Post Drives DOGE-1 Surge of 300% Amid Meme Token Volatility

The post Elon Musk’s Post Drives DOGE-1 Surge of 300% Amid Meme Token Volatility 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 → Elon Musk’s cryptic “It’s time” post on X triggered a nearly 300% surge in DOGE-1, a meme token tied to a SpaceX mission, before a partial retreat. On-chain data shows trader god.sol buying 16.27 million tokens, boosting market activity amid broader crypto declines. Elon Musk’s “It’s time” post sparked a 300% DOGE-1 surge, drawing attention to the token’s ties to SpaceX’s lunar mission. On-chain analysis from Lookonchain revealed trader god.sol acquiring 16.27 million DOGE-1 tokens for about $14,800 in SOL shortly after the post. DOGE-1 outperformed Dogecoin in a risk-off market, with liquidity shifting to smaller meme tokens; the token later corrected 17.4% to $0.73. DOGE-1 surges 300% after Elon Musk’s “It’s time” post reignites meme coin frenzy. Explore on-chain buys and market shifts in this crypto news update. Stay informed on Dogecoin ecosystem developments today. What Caused the DOGE-1 Surge After Elon Musk’s Post? DOGE-1 surge was primarily ignited by Elon Musk’s ambiguous “It’s time” message on X, which referenced past promises about sending Dogecoin to the moon via SpaceX. This post, made in response to a repost…

Author: BitcoinEthereumNews

2025/11/06

Bitwise CIO Suggests Bitcoin ETFs May Surpass Basic Corporate Holdings

Bitwise CIO Suggests Bitcoin ETFs May Surpass Basic Corporate Holdings

The post Bitwise CIO Suggests Bitcoin ETFs May Surpass Basic Corporate Holdings 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 → Investors should prioritize crypto exchange-traded funds (ETFs) over shares in companies simply holding digital assets on their balance sheets, as argued by Bitwise CIO Matt Hougan. True value in digital asset treasuries (DATs) comes from complex strategies like DeFi participation, not basic holdings, which ETFs now match through staking. ETFs offer easier access to crypto exposure without corporate risks. Digital asset treasuries must pursue challenging strategies to justify investment over ETFs. Companies like MicroStrategy stand out by leveraging debt and equity to amass significant Bitcoin holdings, exceeding 641,205 BTC valued at over $66 billion. Discover why crypto ETFs outperform basic digital asset treasuries in 2025. Learn expert insights from Bitwise on strategies that matter. Explore now for smarter investment decisions. What Makes Crypto ETFs a Better Choice Than Digital Asset Treasuries? Crypto ETFs provide investors with direct, regulated exposure to digital assets like Bitcoin and Solana without the added complexities of corporate balance sheets. According to Bitwise Chief Investment Officer Matt Hougan, simply purchasing crypto and holding it on a company’s books no longer differentiates a digital asset treasury…

Author: BitcoinEthereumNews

2025/11/06

Ripple Raises $500 Million at $40 Billion Valuation Led by Fortress, Citadel Securities

Ripple Raises $500 Million at $40 Billion Valuation Led by Fortress, Citadel Securities

Crypto payments firm reports $95 billion in transaction volume as institutional investors back expansion into stablecoins and prime brokerage

Author: Blockhead

2025/11/06

Notional V3 will be discontinued due to the Balancer hack, and ETH lending users will suffer significant write-downs.

Notional V3 will be discontinued due to the Balancer hack, and ETH lending users will suffer significant write-downs.

PANews reported on November 6th that due to a vulnerability in Balancer V2, the fixed-rate lending protocol Notional V3 lost a total of 721.6 ETH on the Ethereum mainnet and Arbitrum. Balancer/Aura leveraged vault users suffered a 100% loss, and ETH lending and liquidity provider accounts will experience significant write-downs. To prevent further risks, Notional V3 announced it will shut down services on both chains and automatically migrate cross-currency lending users to Aave. The official statement indicates that detailed write-down percentages and exit strategies will be released soon, urging affected users to contact the team as soon as possible.

Author: PANews

2025/11/06

Could Curator, a key figure in the Stream Finance de-anchoring incident, be a hidden minefield in DeFi?

Could Curator, a key figure in the Stream Finance de-anchoring incident, be a hidden minefield in DeFi?

Author: Azuma, Odaily Planet Daily The sudden occurrence of two major security incidents (Balancer and Stream Finance) has once again brought the issue of DeFi security to the forefront. In particular, the Stream Finance incident exposed the huge potential risks of Curator, a player who has become a significant player in the DeFi market. The term "Curator" primarily exists within DeFi lending protocols (such as Euler and Morpho, which were affected by the Stream incident). It typically refers to an individual or team responsible for designing, deploying, and managing specific "strategic vaults." Curators generally encapsulate relatively complex yield strategies into easy-to-use vaults, allowing ordinary users to "deposit with one click and earn interest." The Curator, on the other hand, determines the specific yield strategies for assets in the backend, such as asset allocation weights, risk management, rebalancing cycles, withdrawal rules, and so on. Odaily Note: The image above shows the Curator fund pool on Morpho. The Steakhouse, Gauntlet, etc. in the red box are the names of the Curator entities, representing the entities responsible for designing, deploying, and managing the fund pool. Unlike traditional centralized wealth management services, Curator does not have direct access to or control over user funds. Assets deposited by users into the lending protocol will always be stored in a non-custodial smart contract. Curator's authority is limited to configuring and executing policy operations through the contract interface, and all operations must be subject to the contract's security restrictions. Market demand for Curator Curator's original intention was to leverage its professional strategy management and risk control capabilities to bridge the supply and demand mismatch in the market—on the one hand, to help ordinary users who are struggling to keep up with the increasing complexity of DeFi to amplify their returns; on the other hand, to help lending protocols expand their TVL while reducing the probability of systemic events. Because Curator's managed funds often offer more attractive returns than classic lending markets like Aave, this model naturally attracts capital. Defillama data shows that the total size of Curator-managed funds has grown rapidly over the past year, briefly exceeding $10 billion on October 31, and is currently reported at $8.19 billion. Amidst fierce competition, Gauntlet, Steakhouse, MEV Capital, and K3 Capital have gradually emerged as some of the largest Curators in terms of assets under management, each managing massive sums in the hundreds of millions. Meanwhile, lending protocols like Euler and Morpho, which primarily utilize the Curator pooling model, have also achieved rapid growth in their total value of loans (TVL), successfully securing a leading position in the market. Curator's profit model Having seen this, Curator's role seems quite clear, and it also has sufficient market demand. So why is it a potential risk threatening the DeFi world right now? Before analyzing the risks, we need to understand Curator's profit logic. Curator primarily relies on the following methods to generate revenue: Performance sharing: Curator receives a percentage of the net profit after the strategy generates revenue. Fund management fee: Based on the total assets of the fund pool, it is charged at a certain annualized rate. Protocol Incentives and Subsidies: Lending protocols typically incentivize Curator with tokens to encourage the creation of new, high-quality strategies; Brand-derived revenue: For example, Curator can launch its own products or even tokens after establishing its brand. In reality, performance-based revenue sharing is the most common source of income for Curators. As shown in the diagram below, Morpho charges a 7% performance-based share for the USDC liquidity pool on the Ethereum mainnet, which is managed by MEVCapital. This profit model dictates that the larger the pool of funds managed by Curator and the higher the strategy's return rate, the greater Curator's profit will be. Of course, theoretically, Curator could also increase revenue by increasing the commission rate, but in the face of relatively fierce market competition, no Curator dares to arbitrarily take away profits from users. At the same time, since most depositors are not sensitive to Curator's brand differences, their choice of which pool to deposit into often depends solely on the publicly available APY figure. This makes the attractiveness of the pool directly linked to the strategy's yield, thus making the strategy yield the core factor ultimately determining Curator's returns. Driven by yields, risks are gradually being overlooked. Sensitive readers may have already realized that a problem is brewing. In a yield-driven model, Curators can only achieve higher profits by constantly seeking "opportunities" with higher yields. Since yield and risk are often positively correlated, some Curators gradually forget about the safety issues that should be considered first and choose to take risks—"Anyway, the principal belongs to the users, and the profits are mine." Taking Stream Finance as an example, a key reason for such a large-scale impact was that some Curators on Euler and Morpho (including well-known brands such as MEV Capital and Re7) ignored the risks and allocated funds to Stream Finance's xUSD market, which directly affected users who deposited funds into the relevant Curator pools, and subsequently caused bad debts in the lending protocol itself, indirectly expanding the scope of the impact. Odaily Note: The image shows a summary of the debt positions of various Curators in the Stream Finance incident by the DeFi community YAM. Several days before the Stream Finance incident, several KOLs and institutions, including CBB (@Cbb0fe), had warned of potential transparency and leverage risks associated with xUSD, but these curators clearly chose to ignore them. Of course, not all Curators were affected by Stream Finance. Several leading Curators, such as Gauntlet, Steakhouse, and K3 Capital, never deployed funds to xUSD. This shows that professional entities like Curators are capable of identifying and mitigating potential risks when they effectively fulfill their security responsibilities. Will Curator pose even greater risks? Following the Stream Finance incident, Curator and its potential risks and impacts have attracted even more attention. Chorus One investment analyst Adrian Chow, in an article published on X, directly compared Curator and its related lending protocols to Celsius and BlockFi in this cycle. Indeed, from a purely data perspective, Curator's pool of funds, with a total value exceeding $8 billion, already has an impact comparable to the black swan events of the previous cycle, and Curator's widespread presence across mainstream lending protocols also implies a significant scope of influence. Will Curators trigger a larger-scale risk event in this cycle? This is a difficult question to answer. From the original intention of Curators, their role was supposed to be to reduce individual risk for ordinary users through their professional management capabilities. However, their business model and profit path make Curators themselves an easy entry point for concentrated risk. For example, if multiple lending protocols in the market rely on a few Curators, and their models experience unexpected deviations (such as incorrect oracle prices), all parameters will be misadjusted simultaneously, thus affecting multiple liquidity pools at once. Another point worth mentioning is that, in the current market environment, many users who deposit money into lending agreements are not even fully aware of the role or existence of Curators, simply believing that they are investing their funds in a well-known lending agreement to earn interest. This leads to the role and responsibility of Curators being obscured. When incidents occur, it is the lending agreement that directly faces the anger and accountability of users, which further encourages some Curators to pursue profits too aggressively. Arthur, founder of DeFiance Capital, also commented on this phenomenon yesterday: "This is why I have always been skeptical of Curator-based DeFi lending models. Lending platforms bear reputational risk and have a responsibility to care for their users, and whether they like it or not, a few poorly managed or unethical Curators can negatively impact the platform." I personally do not believe that using Curator to maintain a fund pool is a failed business model, and I do have funds in some Curator fund pools (currently only Steakhouse remains). However, I also agree that the aggressive tendencies of some Curators may breed a wider range of risks. The deeper reason for this situation lies in the lack of risk control by the user group and some Curators. Furthermore, due to the profit-driven motives mentioned above, the latter may have certain subjective factors. While we consistently urge users to evaluate protocols, pools, and strategy configurations themselves, this is clearly difficult to achieve because most users lack the time, expertise, or willingness to do so. Against this backdrop, many users unknowingly invest in Curator pools, which generally offer higher returns, thus driving the rapid growth of Curator's managed assets. Conversely, some Curators cleverly exploit this situation to attract more funds, employing more aggressive strategies to increase pool yields, thereby drawing in even more capital through higher returns. How can we improve the current situation? Growth always involves growing pains. While the Stream Finance incident dealt another heavy blow to the DeFi market, it may also become an opportunity for users to increase their understanding of Curators and for the market to improve its constraints on Curator behavior. From a user's perspective, we still recommend that users conduct as much independent research as possible. Before investing funds in a specific Curator fund pool, users should pay attention to the reputation of the Curator entity and the design of the fund pool. Research methods include, but are not limited to: Are there any publicly available risk models or stress test reports? Are the access boundaries transparent? Are they subject to multi-signature or governance restrictions? How often did the strategies draw down in the past, and how did they perform in extreme market conditions? Has there been a third-party audit? Does the incentive mechanism align with the interests of users? Most importantly, users need to realize that risk is always positively correlated with return. Before making investment decisions, they should be prepared for the most extreme scenarios. They can always keep in mind this quote from Matt Hougan, Chief Investment Officer of Bitwise: "The vast majority of cryptocurrency crashes are due to investors being misled by double-digit risk-free returns, when there is no such thing as a risk-free double-digit return in the market." As for Curators, they need to simultaneously improve their risk awareness and risk management capabilities. DeFi research firm Tanken Capital has summarized the basic risk control requirements for an excellent Curator, which specifically include: Possess compliance awareness in the traditional financial sector; Portfolio risk management and return optimization; Learn about new tokens and DeFi mechanisms; Understand oracles and smart contracts; It has the ability to monitor the market and perform intelligent reconfiguration. As for the lending agreement directly associated with Curator, it should continuously optimize the constraints on Curator by requiring Curator to disclose its strategy model, independently verify the model with data, introduce a staking penalty mechanism to maintain accountability for Curator, and regularly evaluate Curator's performance and decide whether to replace it. Only through continuous and proactive monitoring, and by minimizing the risk space, can the risk resonance of the entire system be more effectively avoided.

Author: PANews

2025/11/06

US Banks Oppose Crypto Trust Charters Linked to USDC, Raising Regulatory Concerns

US Banks Oppose Crypto Trust Charters Linked to USDC, Raising Regulatory Concerns

The post US Banks Oppose Crypto Trust Charters Linked to USDC, Raising Regulatory Concerns 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 → US banks are opposing crypto firms’ bids for national trust-bank charters, arguing that these moves allow platforms like Coinbase to gain federal legitimacy without full regulatory compliance. Trade groups such as the Bank Policy Institute and Independent Community Bankers of America have urged the Office of the Comptroller of the Currency to reject these applications to maintain a level playing field in the financial sector. Traditional banks view national trust charters as a loophole for crypto companies to access banking privileges without equivalent oversight. Crypto firms like Ripple and Circle are also facing resistance, with letters sent to regulators highlighting risks to financial stability. According to statements from the OCC, approving these charters could enable better supervision of nonbank entities, though banks counter that it undermines existing regulations, with stablecoin yields like 3.85% on USDC raising deposit-like concerns. Discover why US banks oppose crypto national trust charters and the regulatory battle shaping finance. Stay informed on stablecoin rules under the Genius Act—explore key insights today. What Are the Risks of Crypto Firms Seeking National Trust-Bank Charters? Crypto national trust…

Author: BitcoinEthereumNews

2025/11/06

PBOC sets USD/CNY reference rate at 7.0865 vs. 7.0901 previous

PBOC sets USD/CNY reference rate at 7.0865 vs. 7.0901 previous

The post PBOC sets USD/CNY reference rate at 7.0865 vs. 7.0901 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 7.0901 and 7.1222 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-70901-previous-202511060115

Author: BitcoinEthereumNews

2025/11/06

The UK plans to introduce stablecoin regulations in line with those of the US.

The UK plans to introduce stablecoin regulations in line with those of the US.

PANews reported on November 6th, citing Bloomberg, that Bank of England Deputy Governor Sarah Breeden stated that UK stablecoin rules will be implemented "as quickly as in the US," denying that the UK is lagging behind in regulatory progress. She noted that because UK mortgage lending relies on commercial banks, the UK is at a different stage than the US in setting limits on stablecoin holdings. The regulatory framework, developed collaboratively by the Bank of England and other regulators, aims to strike a balance between payments and financial stability. Key areas include issuer oversight, reserve asset security, and payment system integration.

Author: PANews

2025/11/06

Recommended by active authors

BitcoinEthereumNews
BitcoinEthereumNews
5008Articles
Cryptopolitan
Cryptopolitan
1116Articles
Coinstats
Coinstats
994Articles
PANews
PANews
975Articles

Related Tags

#Oracle#Brifge#Yield-Farming#Basis-Trading#Prediction-Market#Launchpad#Liquid-Staking#DePIN#RWA

Latest Articles

Trump accused of 'deliberately' defying federal judge's order over $16 billion dispute

Trump accused of 'deliberately' defying federal judge's order over $16 billion dispute

2026/02/14 05:42
Real-World Asset (RWA) Tokenization & Stablecoins; The Next Structural Phase of Crypto

Real-World Asset (RWA) Tokenization & Stablecoins; The Next Structural Phase of Crypto

2026/02/14 05:40
Trump Media & Technology Group Files Two Crypto ETF Proposals

Trump Media & Technology Group Files Two Crypto ETF Proposals

2026/02/14 05:37
US Dollar struggles near 96.80 ahead of PCE, Fed speakers

US Dollar struggles near 96.80 ahead of PCE, Fed speakers

2026/02/14 05:14
Solana Surges 10.3% as On-Chain Metrics Signal Institutional Accumulation

Solana Surges 10.3% as On-Chain Metrics Signal Institutional Accumulation

2026/02/14 05:07