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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.

15036 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
ViaBTC Collateral-pledged Loan: A Preferred Strategy for Miners’ Cash Flow

ViaBTC Collateral-pledged Loan: A Preferred Strategy for Miners’ Cash Flow

The post ViaBTC Collateral-pledged Loan: A Preferred Strategy for Miners’ Cash Flow appeared on BitcoinEthereumNews.com. Rising hardware, electricity, and O&M costs—together with greater price volatility—have increased profit uncertainty for miners. Under balance-sheet pressure, some sell part of their holdings to pay electricity or expand capacity. When prices later rebound, buying back the same amount often costs more, turning “sell then rebuy” into recurring opportunity loss. A practical alternative is a collateralized loan: pledge BTC/LTC/DOGE/BCH and borrow USDT to cover electricity, repairs, or expansion, while aiming to preserve coin exposure and improve cash flow. This article, drawing on common miner treasury practices and a numerical example, discusses when borrowing can outperform selling and how to use ViaBTC’s Collateral-pledged Loan prudently to enhance capital efficiency. Why miners consider collateralized loans Across recent cycles, asset prices have been volatile and electricity costs have trended upward. Hosting and equipment prices often move with the market, showing phases of increase, so spending schedules rarely align with price peaks. At market lows, ASIC miner quotes are more likely to be discounted; when prices rise, equipment prices usually climb. If coins are sold at lows to meet hard expenses, replacing the original position after a rebound can be costly. By contrast, collateralized borrowing can satisfy near-term cash needs and long-term holding goals at the same time, giving miners more flexibility on timing. Because ViaBTC’s loan uses daily interest and flexible repayment, interest outlay is controllable; in subsequent upswings, interest is often lower than the opportunity cost of selling. Example: selling coins vs. collateralized borrowing Assume you hold 1 BTC at $100,000 and plan to invest $10,000 in a new miner over 30 days. Selling to raise funds You sell 0.1 BTC at the current price. If BTC = $120,000 after 30 days, buying back 0.1 BTC costs $12,000. Opportunity cost: $2,000. Borrowing against BTC You borrow $10,000 USDT at 9.9% APR, daily…

Author: BitcoinEthereumNews

2025/10/16

Solana (SOL) vs Mutuum Finance (MUTM): Which is the Best Crypto to Buy Now as Market Eyes Recovery

Solana (SOL) vs Mutuum Finance (MUTM): Which is the Best Crypto to Buy Now as Market Eyes Recovery

With the crypto market set to see a recovery in 2025 that’s long overdue, investors are setting their sights on high-potential assets that can offer both innovation and durability. Solana (SOL) has long remained one of the most developer-friendly and efficient blockchains, which has seen it draw waves of activity across the board in DeFi […]

Author: Cryptopolitan

2025/10/16

MUTM Team Statement & Tokenomics

MUTM Team Statement & Tokenomics

Mutuum Finance (MUTM) is a DeFi lending protocol still in its presale stage. It offers both a lower entry price and utility-based growth mechanics. MUTM remains at the very beginning of its lifecycle — a stage that historically offers room for percentage upside.

Author: Hackernoon

2025/10/16

Erebor bank charter advances as OCC gives preliminary approval

Erebor bank charter advances as OCC gives preliminary approval

The Erebor bank will be a national bank aimed at tech, AI, defense and crypto firms while compliance and digital-asset rules are finalised.

Author: The Cryptonomist

2025/10/16

Early Buyers Rejoice — BullZilla Leads 6 Coins as the Next Best 1000x Crypto Presale of 2025

Early Buyers Rejoice — BullZilla Leads 6 Coins as the Next Best 1000x Crypto Presale of 2025

BullZilla ($BZIL) sells 31B tokens and raises $900K, making it the next 1000x crypto presale of 2025 with massive ROI potential for early buyers.

Author: Blockchainreporter

2025/10/16

USDT0 and XAUT0 Launch on Solana, Expanding Omnichain Access

USDT0 and XAUT0 Launch on Solana, Expanding Omnichain Access

The post USDT0 and XAUT0 Launch on Solana, Expanding Omnichain Access appeared on BitcoinEthereumNews.com. Omnichain versions of Tether’s stablecoin USDt (USDT) and Tether Gold (XAUT) are now available on Solana through Legacy Mesh, an interoperability network built on LayerZero that connects native stablecoin liquidity across multiple blockchains; this could position Solana as a competitive settlement layer for onchain finance and real-world assets (RWAs). The deployment of USDT0 and XAUT0 effectively brings Tether’s digital dollar and tokenized gold to Solana, potentially merging stablecoin liquidity with real-world asset use cases. Unlike Tether’s USDT stablecoin, USDT0 is not issued by Tether. Instead, it is part of a third-party omnichain liquidity network designed to unify existing native USDT liquidity across multiple blockchains. As such, Solana integration potentially strengthens Tether’s omnichain footprint, following earlier USDT0 deployments on Ethereum, OP Superchain, Polygon, TON and Arbitrum. Legacy Mesh enables interoperability by linking native USDT liquidity pools, allowing stablecoins to move between networks without relying on wrapped tokens or third-party bridges. However, bridging risks and liquidity fragmentation remain ongoing challenges across multichain systems, making it difficult to forecast how much of USDT liquidity will actually migrate to Solana. According to the companies, the expansion increases access to Tether’s USDt, the largest stablecoin by market capitalization, with a total circulating supply of about $180 billion. Since launch, USDT0 products have processed more than $25 billion in bridge volume across over 32,000 transfers, the companies said. USDT’s circulating supply. Source: DefiLlama Tamar Menteshashvili, head of stablecoins at the Solana Foundation, said the integration will support growth in decentralized finance, payments and institutional-grade financial products on Solana. In practical terms, this could include treasury management, remittances and collateralized lending. While XAUT0 is lesser known, it represents an omnichain version of Tether Gold, which has gained attention amid the yearlong surge in gold prices. XAUT brings the yellow metal onto the blockchain, giving it programmable features…

Author: BitcoinEthereumNews

2025/10/16

Markets await comments from central bankers, Gold renews record-high

Markets await comments from central bankers, Gold renews record-high

The post Markets await comments from central bankers, Gold renews record-high appeared on BitcoinEthereumNews.com. Here is what you need to know on Thursday, October 16: Gold extended its record run to a new all-time high above $4,240 early Thursday after gaining more than 1.5% on Wednesday. As markets stabilize in the European session, XAU/USD corrects lower but holds above $4,200. With the US government shutdown causing postponement of US data releases, investors will pay close attention to comments from central bankers in the second half of the day. US Dollar Price This week The table below shows the percentage change of US Dollar (USD) against listed major currencies this week. US Dollar was the weakest against the Swiss Franc. USD EUR GBP JPY CAD AUD NZD CHF USD -0.28% -0.48% -0.56% 0.30% 0.10% 0.05% -0.62% EUR 0.28% -0.20% -0.23% 0.57% 0.48% 0.33% -0.36% GBP 0.48% 0.20% 0.00% 0.77% 0.66% 0.52% -0.18% JPY 0.56% 0.23% 0.00% 0.80% 0.62% 0.65% -0.11% CAD -0.30% -0.57% -0.77% -0.80% -0.22% -0.22% -0.94% AUD -0.10% -0.48% -0.66% -0.62% 0.22% -0.13% -0.83% NZD -0.05% -0.33% -0.52% -0.65% 0.22% 0.13% -0.70% CHF 0.62% 0.36% 0.18% 0.11% 0.94% 0.83% 0.70% The heat map shows percentage changes of major currencies against each other. The base currency is picked from the left column, while the quote currency is picked from the top row. For example, if you pick the US Dollar from the left column and move along the horizontal line to the Japanese Yen, the percentage change displayed in the box will represent USD (base)/JPY (quote). The US Dollar (USD) continued to weaken against its major rivals midweek, pressured by the uncertainty surrounding the US-China trade relations. Although US Treasury Secretary Scott Bessent said that they don’t want to decouple from China, he noted that China was trying to erect new trade barriers. After losing about 0.4% on Wednesday, the USD Index holds steady…

Author: BitcoinEthereumNews

2025/10/16

Tether Launches USDT0 and XAUT0 Gold Token on Solana

Tether Launches USDT0 and XAUT0 Gold Token on Solana

TLDR Tether’s omnichain versions USDT0 and XAUT0 are now live on Solana via Legacy Mesh, an interoperability network built on LayerZero USDT0 connects to over $175 billion in Tether liquidity across multiple blockchains including Ethereum, Tron, and TON Current circulating supply shows 7.5 billion USDT0 tokens and 7,355 XAUT0 tokens, small compared to standard USDT’s [...] The post Tether Launches USDT0 and XAUT0 Gold Token on Solana appeared first on CoinCentral.

Author: Coincentral

2025/10/16

Hyperliquid HIP3 Ecosystem Gold Rush: What are some potential Alpha projects?

Hyperliquid HIP3 Ecosystem Gold Rush: What are some potential Alpha projects?

Author: Rhythm Worker Hyperliquid's performance this year has been impressive enough. But Hyperliquid's true ambition goes far beyond this. The recently launched HIP-3 upgrade has transformed Hyperliquid from a Perp dex into another new type of composable financial Lego. The HIP-3 ecosystem currently encompasses over 20 projects, covering multiple verticals, including trading front-ends, liquidity staking, DeFi protocols, AI infrastructure, and prediction markets. This ecosystem has a distinct characteristic: most projects are still in the testnet phase, team members often use pseudonyms, and funding is primarily self-raised, seemingly perfectly aligned with Hyperliquid's core values of rejecting venture capital. What's most interesting about this ecosystem is that they're all trying to apply perpetual swaps to new scenarios—whether it's pre-IPO company equity, traditional stocks, commodities, computing power resources, or even yield itself. The permissionless framework provided by HIP-3 is unleashing unexpected innovation. Although still in its early stages, several high-TVL projects, such as Kinetiq ($1.9 billion TVL), Unit ($800 million TVL), and Felix ($300 million TVL), have already demonstrated significant influence. BlackBeats has selected 16 HIP-3 ecosystem projects for introduction: Trading front end Based Based is a trading superapp built on Hyperliquid and backed by Ethena Labs. It offers spot and perpetual futures trading (with 40x leverage), a Based Visa card, portfolio management, and an affiliate program. It also has a cool feature called Based Streams—a DEX-powered livestreaming service where creators can broadcast their trading sessions, receive token tips, and reward viewers with HyperCore. Based launched Based Streams on October 10th, becoming the first front-end to support the HIP-3 market. It also deployed the first XYZ100-USD index market, which saw $35 million in 24-hour trading volume. iOS and Android apps are expected to be released in mid-2025. Liquid Liquid is a mobile-first trading app built specifically for Hyperliquid. It offers non-custodial perpetual futures trading (up to 100x leverage), yield strategies, and curated financial news. To lower the barrier to entry, Liquid integrates email registration, simplifies wallet complexity, and makes it easy for average users to get started. The team has professional backgrounds in AI and cryptocurrency, and extensive experience in DeFi and mobile development. The app, which launched on the App Store on August 8th, integrates Privy for instant registration and revenue generation, and is currently in public beta. Aura Aura is a mobile social crypto app integrated with Hyperliquid. Its core concept is to turn trading into a social activity. Users can trade with friends in real time, track each other's assets, and explore new tokens together, turning the traditional trading experience into a warm and engaging social experience. Liquidity staking and lending Kinetiq Exchange Kinetiq is a liquidity staking protocol on Hyperliquid and boasts the highest TVL in the ecosystem, reaching $1.9 billion. Users who stake HYPE receive kHYPE tokens as liquidity certificates, which can be delegated to top validators via StakeHub. kHYPE can also be used as collateral for HIP-3 perpetual contracts, significantly lowering the barrier to entry for deployment. Even more impressive is Kinetiq's Launch platform, built on HIP-3. This platform allows teams to deploy their own perpetual contract exchange without requiring significant upfront capital, simply by crowdfunding the kHYPE staking pool. Currently, Kinetiq has approximately 36 million HYPE staked, representing approximately 10% of the circulating supply. Felix Felix is a HyperEVM-based DeFi lending and CDP platform forked from Liquity V2. Users can borrow using assets like HYPE or uBTC as collateral, conduct peer-to-peer lending through the Vanilla market, and mint the feUSD stablecoin. Felix utilizes a variable interest rate model, providing users with flexible lending options. Its current TVL stands at $300 million. Innovative trading products Unit Unit focuses on tokenizing spot assets rather than perpetual contracts, complementing the ecosystem by providing native spot liquidity for HIP-3 perpetual contracts. It is the largest deployer of spot assets on Hyperliquid and the first HIP-3 project to launch on mainnet, holding a variety of assets including BTC, ETH, and SOL. Unit is also exploring the launch of perpetual contract markets for major US stocks like Tesla and Google through HIP-3, bringing traditional financial assets onto the blockchain. The team, comprised of members from top institutions such as HRT, Jump, and Fortress, currently boasts a TVL of $831 million. Ventuals Ventuals is a decentralized derivatives platform focused on perpetual futures trading for private, pre-IPO companies. Want to trade SpaceX or OpenAI equity? You can on Ventuals, supporting up to 10x leverage. The platform uses optimistic oracles and the vHYPE liquidity staking mechanism. Instead of raising venture capital, it was self-funded through the community-minted "Sekai Kappas" NFT in September 2025. Ventuals will launch its testnet in early 2025 and will open vHYPE staking deposits on October 16th to test perpetual contracts for over ten private companies. This is the flagship project of HIP-3, extending perpetual contracts to off-chain assets for the first time and demonstrating the potential for real-world application of HIP-3. Volmex Volmex is bringing volatility-based products to HIP-3. It has released the BVIV/EVIV index for BTC and ETH, serving as a fear index for the crypto market (similar to the VIX index in traditional finance). Volmex plans to launch volatility perpetual contracts within Hyperliquid's Builder Markets framework, allowing traders to directly trade market volatility. Nunchi Nunchi is building a yield-targeted perpetual swap exchange, transforming yields and interest rate spreads into tradable perpetual derivatives. The platform offers two product categories: yield perpetuals (based on APY/interest rate) and basis perpetuals (based on price ratios). On HIP-3, Nunchi launched FR-Perpetuals, a meta-market for funding rates for other perpetual contracts, focused on complementing HIP-3's staking and fee income. Hyperbolic Hyperbolic has launched commodity perpetual futures on Hyperliquid, using the HIP-3 standard and equipped with institutional-grade infrastructure. This allows users to trade perpetual contracts for traditional commodities like oil, gold, and natural gas, bringing physical commodities to the blockchain. Ddot Ddot is building a commodity exchange based on HIP-3, focusing on physical commodities and tradable real-world asset markets. Compared to Hyperbolic's financial derivatives, Ddot focuses more on the trading and circulation of commodities themselves. Infrastructure Global Compute Index A real-time cloud GPU computing pricing dashboard and market index aggregates spot and on-demand prices for major GPUs (H100, H200, A100, etc.), providing daily and 30-day averages. We are also building the world's first HIP-3-based perpetual futures computing platform, acting as an oracle provider to feed aggregated price data into the permissionless perpetual market. The core product is operational, displaying real-time spot prices. On-chain extensions are under development, including integration with Seda's oracle. Sekai Sekai is a Liquidity Staking Token (LST) protocol that allows anyone to easily create CoreWriter-based LST assets on the HyperEVM. Designed for HIP-3 "unicorns" (high potential deployers), it addresses the high barrier to entry of 500,000 HYPE. Companies, projects, communities, and institutions can launch their own liquidity staking tokens through Sekai, with plans to provide LST support for every HIP-3 DEX. Flow DEX Flow DEX is a globally compliant liquidity provider and OTC/market-making infrastructure company. It helps Hyperliquid scale, increase on-chain depth, attract institutional capital, and support token issuance across exchanges and protocols. As the ecosystem's liquidity backstop, Flow DEX plays a critical role behind the scenes. other Hyperbet Hyperbet is building a decentralized casino and gambling platform on the HyperEVM, offering on-chain gambling games and a socialized gambling experience. While this field is fraught with controversy, it is indeed a promising direction for blockchain applications. OnlyVibes OnlyVibes is a trading community and signal-sharing group on Hyperliquid. It offers trading ideas, real-time market analysis, and trading tips to help members identify trends and manage risk. It seems more like a community of traders than a technical product.

Author: PANews

2025/10/16

Peter Thiel’s Erebor Bank Gets Green Light to Serve Crypto and Tech Companies

Peter Thiel’s Erebor Bank Gets Green Light to Serve Crypto and Tech Companies

TLDR Erebor Bank, backed by Peter Thiel, Palmer Luckey, and Joe Lonsdale, received preliminary approval from the OCC to operate as a national bank The bank aims to serve tech startups, AI companies, defense firms, and crypto businesses left without banking after Silicon Valley Bank collapsed in 2023 OCC Comptroller Jonathan Gould stated digital asset [...] The post Peter Thiel’s Erebor Bank Gets Green Light to Serve Crypto and Tech Companies appeared first on CoinCentral.

Author: Coincentral

2025/10/16

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