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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.

15223 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Bitcoin News: JPMorgan to Accept Bitcoin and Ether as Loan Collateral

Bitcoin News: JPMorgan to Accept Bitcoin and Ether as Loan Collateral

JPMorgan will allow institutional clients to use Bitcoin and Ether as loan collateral, deepening Wall Street’s integration of crypto assets. JPMorgan Chase & Co. plans a major policy shift this year. The bank will allow institutional clients to use Bitcoin (BTC) and Ether (ETH) as loan collateral, according to Bloomberg. This move is a major […] The post Bitcoin News: JPMorgan to Accept Bitcoin and Ether as Loan Collateral appeared first on Live Bitcoin News.

Author: LiveBitcoinNews

2025/10/24

5 of the Top Protocols With High Stablecoin APY in 2025

5 of the Top Protocols With High Stablecoin APY in 2025

The post 5 of the Top Protocols With High Stablecoin APY in 2025 appeared on BitcoinEthereumNews.com. Stablecoins aren’t just for parking crypto profits and hedging volatility anymore: they’re now yield machines powering this year’s booming DeFi landscape. With the sector exploding to a $15B market cap for yield-bearing stables, savvy farmers are stacking APYs from synthetic dollar protocols that utilize delta-neutral strategies to source yield from tokenized Treasuries, ETH staking, and arbitrage. But seeking the highest returns means picking protocols that score highly for liquidity and security coupled with sustainable yields that will deliver steady returns whatever the market outlook. Based on total value locked (TVL) and supply metrics, the following five protocols deliver high stablecoin APYs. These leaders offer yields you can layer by utilizing their respective staking tokens to claim even more rewards through activities such as staking, LP’ing, and locking into dedicated stablecoin vaults. Falcon Finance (USDf) Falcon’s dual-token system (mint USDf with stables or crypto collateral, then stake for sUSDf)  has propelled it to $1.5B TVL in staked assets. Yield available for staking USDf currently stands at a very respectable 8% APY sourced from basis spread arbitrage and funding rates, while upcoming RWA integrations such as T-bills and gold should further boost this number. Falcon is an attractive option for high stablecoin APY, on account of its multi-collateral flexibility (more than a dozen tokens supported) and plans for L2 expansion to Arbitrum and Solana. Farmers love looping sUSDf into Morpho or Pendle for yield boosts, while the ability to deposit stables such as USDT and USDC enables maximum borrowing without liquidation risk. Falcon has emerged seemingly out of nowhere in 2025 to become a dominant synthetic stablecoin player as users take their fill of its high yield and enjoy its wide DeFi integrations. Ethena (USDe) Despite facing stiff competition from the likes of Falcon, Ethena remains the market leader – for now…

Author: BitcoinEthereumNews

2025/10/24

JPMorgan Enables Institutions to Use Bitcoin, Ethereum as Collateral

JPMorgan Enables Institutions to Use Bitcoin, Ethereum as Collateral

The post JPMorgan Enables Institutions to Use Bitcoin, Ethereum as Collateral appeared on BitcoinEthereumNews.com. In a ground-breaking Bitcoin news development today, financial giant JPMorgan on Friday said it plans to allow its institutional and high-net-worth clients to use BTC and ETH directly as collateral for loans. This comes as traditional financial giants such as BlackRock, Morgan Stanley, and Goldman Sachs enter the crypto market amid a pro-crypto regulatory landscape. JPMorgan Allows Bitcoin and Ethereum as Collateral Financial services giant JPMorgan will allow the use of Bitcoin and Ethereum as collateral, according to a Bloomberg report on October 24. Only institutional investors and high-net-worth individuals are eligible to leverage BTC and ETH as collateral for loans. This comes as Wall Street firms reported that their clients seek BTC and ETH exposure amid growing crypto adoption under the crypto-friendly Trump administration. The global bank aims to start offering Bitcoin and Ethereum-backed loans by the end of the year. However, plans of lending against crypto assets are subject to change, as per sources familiar with the matter. As CoinGape reported earlier, JPMorgan revealed plans to provide loans against crypto exchange-traded funds, starting with BlackRock’s Bitcoin ETF. The bank started taking wealth-management clients’ crypto holdings into consideration when assessing their overall net worth and liquid assets. However, this comes despite JPMorgan CEO Jamie Dimon’s continued skepticism about Bitcoin as an asset class. He criticized BTC for its utility in illicit activities. Meanwhile, the Trump administration continues to drive the crypto push, with the Market Structure Act (CLARITY Act) and the GENIUS Act for stablecoins. Coinbase CEO Brian Armstrong said the long-awaited crypto market structure bill will pass by the end of the year amid growing bipartisan support to regulate the crypto industry and protect innovation. Recently, Morgan Stanley partnered with ZeroHash to enable its E-Trade clients to trade crypto assets, such as BTC, Ethereum, and Solana. The financial…

Author: BitcoinEthereumNews

2025/10/24

Sygnum & Debifi Launch BTC-Backed Loan Platform

Sygnum & Debifi Launch BTC-Backed Loan Platform

The post Sygnum & Debifi Launch BTC-Backed Loan Platform appeared on BitcoinEthereumNews.com. Key Notes Sygnum and Debifi, a BTC lending startup, have teamed up to debut MultiSYG. MultiSYG will let borrowers keep partial control of their BTC. The structure ensures transparency and prevents rehypothecation. Swiss digital asset bank Sygnum has partnered with Bitcoin BTC $111 137 24h volatility: 1.4% Market cap: $2.22 T Vol. 24h: $51.84 B lending startup Debifi to launch MultiSYG, a bank-backed Bitcoin loan platform that lets borrowers retain shared control of their collateral. The product, set to launch in the first half of 2026, targets institutions and high-net-worth individuals seeking secure, transparent lending without giving full custody of their assets. A Shift Away From Custodial Lending With MultiSYG, users will be able to bypass the requirement of giving up custody of their BTC, which is usually common with traditional Bitcoin-backed loans. Borrowers will deposit Bitcoin into a 3-of-5 multi-signature escrow wallet controlled by Sygnum, the borrower, and independent signers. “Borrowers can benefit from bank-grade terms in pricing, drawdown flexibility, and loan duration, while keeping cryptographic proof of their holdings and partial control of their Bitcoin via multi-signature technology,” said Pascal Eberle, the head of the MultiSYG initiative at Sygnum. Any movement of funds requires three approvals, allowing borrowers to verify their holdings on-chain throughout the loan’s duration. Debifi CEO Max Kei said the model removes the need for blind trust in custodians while maintaining regulatory oversight. Sygnum claimed in a post that MultiSYG combines the security of self-custody with the structure and reliability of traditional banking. Demand for Safer Bitcoin Lending After the collapse of centralized lenders like BlockFi and Celsius, demand for non-custodial and verifiable loan structures has increased. MultiSYG seeks to meet that demand while ensuring assets cannot be reused or rehypothecated. Sygnum said that MultiSYG is part of its ongoing Bitcoin@Sygnum initiative to develop regulated…

Author: BitcoinEthereumNews

2025/10/24

Investors Protest Deforestation As The Amazon Tipping Point Approaches

Investors Protest Deforestation As The Amazon Tipping Point Approaches

The post Investors Protest Deforestation As The Amazon Tipping Point Approaches appeared on BitcoinEthereumNews.com. The Belém Investor Statement on Rainforests has been endorsed by 33 investment firms that in aggregate manage over $3 trillion as of the 20th of October: it’s open to signatories until November first. Their goal is for COP30 to adopt in earnest a cessation of deforestation by 2030 and prevent further loss of ecosystems consistent with previous international agreements. We’re drawing nearer to ecological tipping points that will cause global and irreversible damage once crossed and this group of investors recognize our precarious, untenable situation. Manaus, 4th Oct 2023 – A mixed area of fields and Amazon rainforest is burning uncontrollably, while nearby residents attempt to contain the flames. (Photo by Gustavo Basso/NurPhoto via Getty Images) NurPhoto via Getty Images One third of our preindustrial forest cover has been lost with another third degraded, and as this loss is driven largely by industry and agriculture, global capital can play its part if it wishes. The investors who signed this petition are imploring governments to take legislative action, while the signatories themselves avow to take their own initiative; to do their part these funds will research their relevant markets and select for partners that similarly prioritize the minimization and eventual eradication of deforestation. They explain how exposure to commodities produced on deforested land create material vulnerabilities across global investment and lending portfolios. They give some examples to which I’d personally like to add rubber: beef, soy, palm oil, timber, pulp and critical transition minerals. These are everyday products for many of us and the individual can only do so much to ultimately alter the broader ecological impact of our modern livelihoods. Agriculture drives deforestation. Investors can prioritize sustainable practices and partners to end this ongoing catastrophe. Global Forest Review, Global Forest Watch, World Resources Institute When everything that we consume is…

Author: BitcoinEthereumNews

2025/10/24

Sygnum and Debifi Team Up for BTC-Backed Loan Platform MultiSYG

Sygnum and Debifi Team Up for BTC-Backed Loan Platform MultiSYG

Sygnum Bank and Debifi are developing MultiSYG, a Bitcoin-backed loan platform that enables borrowers to maintain shared control of their BTC collateral. The post Sygnum and Debifi Team Up for BTC-Backed Loan Platform MultiSYG appeared first on Coinspeaker.

Author: Coinspeaker

2025/10/24

JPMorgan Chase to start accepting Bitcoin, Ethereum as loan collateral: report

JPMorgan Chase to start accepting Bitcoin, Ethereum as loan collateral: report

JPMorgan will let clients use Bitcoin (BTC) and Ethereum (ETH) as collateral for loans. The move marks a major shift from Jamie Dimon’s past crypto criticism. Other major banks are expanding crypto custody and lending services. JPMorgan Chase & Co. is reportedly preparing to let institutional clients use BTC and ETH as collateral for loans […] The post JPMorgan Chase to start accepting Bitcoin, Ethereum as loan collateral: report appeared first on CoinJournal.

Author: Coin Journal

2025/10/24

Altcoin Market Misses $800B Boost as Retail Investors Shift to Crypto Stocks

Altcoin Market Misses $800B Boost as Retail Investors Shift to Crypto Stocks

Retail traders, especially those in South Korea, have increasingly shifted from altcoins to crypto-related equities, leaving a massive funding gap in the altcoin market, according to new data from 10x Research. Key Takeaways: Retail investors, particularly in South Korea, have shifted from altcoins to crypto-related stocks, creating an $800 billion gap in altcoin market value. Institutional demand for Bitcoin and the rise of listed crypto firms have widened the divide between Bitcoin and other digital assets. 10x Research warns this trend signals a structural change, with altcoins likely to struggle in attracting fresh capital. Over the years, Bitcoin and altcoins have tended to rise and fall together, driven by shared cycles of speculation. But this time, institutional adoption of Bitcoin and the growing popularity of listed crypto firms have created what 10x Research calls a “near trillion-dollar gap” between Bitcoin’s market value and that of other digital assets. South Korea’s Shift to Crypto Stocks Leaves $800B Altcoin Gap South Korea has long been a hub for altcoin trading, with local investors often favoring smaller tokens over Bitcoin. At times, altcoins have made up over 80% of trading activity on Korean exchanges, compared to global averages where Bitcoin and Ether dominate. “Altcoin market capitalization would be roughly $800 billion higher if retail investors — especially in South Korea — hadn’t redirected their attention toward crypto-related stocks and other equities,” said Markus Thielen, CEO and head of research at 10x Research. “In this cycle, altcoins have failed to attract sufficient new capital.” Between Nov. 5 and Nov. 28, 2024, Korean exchanges saw daily average crypto volumes of $9.4 billion, surpassing the $7 billion traded on the Kospi stock index, according to data from CCData and Korea Exchange. Those volumes have since plunged. 10x Research warned that fading retail participation is a key reason altcoins have lagged behind Bitcoin—and the trend may deepen. A recent market selloff triggered by renewed US-China trade tensions erased $380 billion in crypto market value, of which $131 billion came from altcoins alone. According to 10x, the shift marks a “structural change” in the market. As institutional money flocks to Bitcoin and speculative traders chase token-holding stocks, the altcoin sector may struggle to recover its lost share of capital anytime soon. South Korean Retail Investors Pour $1.24B Into US Tech, Crypto Stocks As reported, South Korean investors turned the Chuseok holiday into a high-risk trading week, pouring $1.24 billion into US tech and crypto-linked assets while local markets were closed between October 3 and 9, data from the Korea Securities Depository shows. The frenzy was led by leveraged ETFs and high-growth stocks, as traders sought to ride Wall Street’s momentum amid optimism surrounding US tech resilience and domestic stimulus hopes. Top foreign buys included the Direxion Daily Tesla Bull 2X ETF with $151 million in purchases, followed by Iris Energy ($105 million), Meta Platforms ($100 million), and Tesla ($96 million). Investors also snapped up $95 million worth of the T-REX 2X Long BMNR Daily Target ETF, which tracks BitMine Immersion Technologies with double exposure, highlighting growing appetite for crypto-related equities. However, the timing proved unfortunate. The buying spree ended abruptly as U.S.–China trade tensions sparked a global market pullback, erasing much of the previous week’s gains. Meanwhile, in August, South Korea’s financial regulator moved to rein in risky lending practices in the digital asset sector, ordering local exchanges to suspend all crypto lending services until a proper regulatory framework is established

Author: CryptoNews

2025/10/24

Aave Labs acquires Stable Finance to expand consumer DeFi push

Aave Labs acquires Stable Finance to expand consumer DeFi push

The post Aave Labs acquires Stable Finance to expand consumer DeFi push appeared on BitcoinEthereumNews.com. San Francisco–based Stable Finance has been acquired by Aave Labs, the developer behind the Aave lending ecosystem, as the firm expands into consumer-facing onchain services. Founded in 2023, Stable Finance’s mobile app allows users to deposit funds from bank accounts, cards, or crypto wallets to earn yield on stablecoins through overcollateralized decentralized markets. The deal, announced Thursday, also brings Stable Finance’s founder Mario Baxter Cabrera and his engineering team into Aave Labs. Financial terms of the acquisition were not disclosed.  Source: Aave The deal signals Aave’s effort to balance retail services with its continued push into institutional markets. The protocol recently announced an integration with Maple Finance’s yield-bearing stablecoins and the launch of Horizon, its institutional marketplace for tokenized assets. Stani Kulechov, the founder of Aave Labs, said the acquisition “reinforces our commitment to turning onchain finance into everyday finance.” Launched in January 2020, Aave has over $37.25 billion in total value locked (TVL) as of this writing, according to data from DefiLlama. Aave total value locked. Source: DefiLlama Related: Stablecoins become ‘global macroeconomic force’ as transactions reach $46T: Report The debate over yield-bearing stablecoins Aave isn’t the first protocol or company to offer users yield generated through overcollateralized DeFi markets and stablecoin lending strategies. In September, Coinbase integrated the DeFi lending protocol Morpho directly into its app, allowing customers to lend USDC (USDC) and earn yield. The update provided users access to onchain lending markets offering returns of up to 10.8%, more than double the 4.5% available through Coinbase’s standard USDC rewards program. A similar collaboration between Crypto.com and Morpho was unveiled in early October, bringing Morpho’s stablecoin lending markets to the exchange’s Cronos blockchain. The integration allows users to deposit wrapped ETH into Morpho vaults and borrow stablecoins against their collateral to earn yield.  While the GENIUS Act, passed…

Author: BitcoinEthereumNews

2025/10/24

Massive XRP Alert: Here’s How Much XRP Evernorth Has Accumulated

Massive XRP Alert: Here’s How Much XRP Evernorth Has Accumulated

Evernorth Holdings has accumulated 261 million XRP from major sources, including Ripple, Chris Larsen, and Uphold. Japan’s SBI Holdings invested $200 million in Evernorth’s Nasdaq-bound venture “XRPN.” The moves mark a major shift toward institutional adoption, positioning XRP as a regulated bridge asset through Evernorth’s treasury. Crypto investor Stern Drew has spotlighted a series of large XRP transfers into Evernorth Holdings, a Ripple-affiliated company focused on institutional adoption of XRP. According to Drew’s post titled “MASSIVE XRP ALERT,” Evernorth now holds 261 million XRP, with transaction trails linking back to several major players in the XRP ecosystem. Breakdown of the Legendary Transfers Drew detailed that the XRP inflows originated from multiple high-profile sources, including: Ripple: 211 million XRP + 319,000 XRP Chris Larsen (Ripple Co-founder): 50 million XRP Uphold Exchange: 199,000 XRP Jana Label (Tagged Wallet): 300,000 XRP All transfers were made in XRP, “no stablecoins, no fillers,” Drew emphasized, suggesting concentrated liquidity flowing into a single institutional entity. Also Read: 211,000,000 XRP Abrupt Move – Here’s its Destination MASSIVE XRP ALERT Evernorth now holds 261 MILLION XRP — and the trail of senders is nothing short of legendary. Ripple: 2 transfers — 211M + 319K XRP Chris Larsen: 50M XRP Uphold Exchange: 199K XRP Jana Label : 300K XRP That’s ALL in XRP, no stablecoins, no… pic.twitter.com/cQPfLogPmE — Stern Drew (@SternDrewCrypto) October 24, 2025 SBI Holdings Commits $200 Million to Evernorth Adding to the momentum, Japanese financial conglomerate SBI Holdings, Inc., announced a $200 million investment in Evernorth as part of a Private Investment in Public Equity (PIPE) financing round. The funding, conducted in collaboration with Ripple Labs Inc., is among SBI’s largest commitments to advancing the global use of XRP. Evernorth is preparing for a Nasdaq listing under the ticker “XRPN” through a merger with Armada Acquisition Corp. II, a U.S.-based SPAC. The company expects to raise over $1 billion in total capital from the transaction. Institutional Adoption and Market Impact Evernorth’s growing XRP treasury, coupled with SBI’s backing, is being interpreted as a major step toward institutional-grade integration of XRP. The funds raised will reportedly be used to purchase XRP from the open market and establish a large, transparent treasury to engage in DeFi lending, staking, and liquidity provisioning. Market observers suggest that these developments reinforce XRP’s evolving role as a bridge asset in regulated financial systems, signaling a shift from speculative trading toward institutional-grade utility and infrastructure. As Drew summarized, “Pure liquidity is flowing into one entity.” With Evernorth’s capital infusion and SBI’s strategic support, XRP’s institutional narrative appears stronger than ever. Also Read: Ripple to White House: New Trump List Excites XRP Army The post Massive XRP Alert: Here’s How Much XRP Evernorth Has Accumulated appeared first on 36Crypto.

Author: Coinstats

2025/10/24

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