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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.

14314 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
SWIFT Exec Says Banks Will Absorb ‘the Best of Public Chains’

SWIFT Exec Says Banks Will Absorb ‘the Best of Public Chains’

The post SWIFT Exec Says Banks Will Absorb ‘the Best of Public Chains’ appeared on BitcoinEthereumNews.com. Public, crypto-native chains won’t replace TradFi, SWIFT’s chief innovation officer argues, while the crypto world debates who really controls neutrality in finance. Traditional financial institutions are unlikely to fully outsource settlement to external blockchains or distributed ledgers, according to SWIFT chief innovation officer Tom Zschach. In a recent post and a series of comments on LinkedIn, Zschach argued that open-source code and network transparency alone don’t earn institutional trust, and that banks need systems where governance, compliance, and legal enforceability are controlled internally, rather than relying on third-party infrastructure. The SWIFT executive pushed back against narratives popular in the crypto community, arguing that while distributed ledgers might bring programmability, institutions “don’t want to live on a competitor’s rails.” He particularly described public blockchains, such as Bitcoin and Ethereum, as a “substrate,” a basic foundation for running code and moving value, but not a complete solution for trusted settlement, saying that rules and governance need to be added on top for institutions to trust them. “Public blockchains are the base environment for execution. The transformation comes when you add the trust layer that makes outcomes legally enforceable, compliant and safe to scale,” Zschach argued in his post. He continued with a prediction for how traditional finance will interact with public blockchain protocols: “And that’s why the next wave won’t look like crypto-native networks trying to replace finance. It’ll look like finance absorbing the best of public chains on its own terms.” Code Alone Isn’t Enough In his original post, SWIFT’s chief innovation officer refrained from naming any particular blockchain protocols. But in follow up responses, Zschach responded to comments about XRP in particular. Ripple is broadly known for working with TradFi institutions, positioning itself as focused on helping traditional financial firms integrate blockchain technology and payments rails. Challenging the idea that…

Author: BitcoinEthereumNews

2025/09/06

Euro stablecoin push runs into thin liquidity

Euro stablecoin push runs into thin liquidity

The post Euro stablecoin push runs into thin liquidity appeared on BitcoinEthereumNews.com. YO, short for Yield Optimizer, launched a yoEUR vault on Friday, adding fresh momentum to the euro stablecoin trade. But market infrastructure still lags behind. Cross-chain liquidity for Circle’s EURC is limited, causing distortions in interest rates on borrow and lending markets not seen with larger USD-pegged stablecoins. yoEUR is a multichain yield vault designed to optimize returns on EURC. Like YO’s earlier offerings, covering ETH, BTC and USD, the vault allocates capital across multiple chains and strategies using a risk-adjusted framework. The “yoTokens implement the ERC-4626 tokenized vault standard, with key additions to support a multi-chain architecture,” YO Labs CEO Driss Benamour told Blockworks. “YO deposits are currently on Base, with one-click deposits supported from multiple chains, including Arbitrum, via integrated routing and bridging. YO actively harvests yields across multiple chains, including Ethereum, Base, and Unichain, with Arbitrum coming soon.” Asked about visibility into yield positions, Benamour said: “All YO strategies are fully transparent and accessible on the dApp…Users can always track exactly where their assets are allocated via the dApp.” The launch comes as euro-denominated stablecoins inch further into the DeFi spotlight, thanks to a dollar weakness. The greenback has been ranging over the summer, but is down roughly -12% against the euro year-to-date. On Solana’s Jupiter Lend kicked off a two-month incentive program pushing posted EURC APYs above 7%. Aave founder Stani Kulechov has repeatedly promoted ~5% lending yields on EURC via Aave deployments on Base and Ethereum that support EURC. But the euro carry trade remains fragmented. On Aave v3 Ethereum, borrow rates for EURC briefly spiked to nearly 20% around 6:00 a.m. ET Friday before falling below 8% by 11:00 a.m. — a textbook case of what happens when a tightly capped market brushes up against Aave’s interest rate “kink.” Once utilization crosses a certain…

Author: BitcoinEthereumNews

2025/09/06

South Korea Sets 20% Crypto Lending Limit, Outlaws Leverage

South Korea Sets 20% Crypto Lending Limit, Outlaws Leverage

TLDR South Korea has set a 20% interest rate cap on crypto lending. The country has banned leveraged crypto loans to reduce market risk. Only the top 20 cryptocurrencies by market capitalization are eligible for lending. Crypto exchanges must ensure first-time borrowers complete training and tests. Forced liquidations must be communicated in advance to users. [...] The post South Korea Sets 20% Crypto Lending Limit, Outlaws Leverage appeared first on CoinCentral.

Author: Coincentral

2025/09/06

Bitcoin (BTC) Eyes Recovery Toward $120,000 as Mutuum Finance (MUTM) Show Potential for 43x Profits

Bitcoin (BTC) Eyes Recovery Toward $120,000 as Mutuum Finance (MUTM) Show Potential for 43x Profits

With Bitcoin (BTC) treading cautiously up the road to possibly reaching $120,000, the focus of investors is slowly turning to a new DeFi token, Mutuum Finance (MUTM). Mutuum Finance has already reached the sixth phase of presale and tokens are being sold at the price of $0.035. Stage 7 price will increase by 14.29 percent […]

Author: Cryptopolitan

2025/09/06

Ripple Surges and MEW Sparks Interest as BullZilla at $0.00002575 Becomes One of the Top Cryptos to Buy Now

Ripple Surges and MEW Sparks Interest as BullZilla at $0.00002575 Becomes One of the Top Cryptos to Buy Now

Discover why Ripple and Cat in a Dog’s World lead market moves, and how BullZilla’s $0.00002575 presale offers unmatched long-term growth potential.

Author: Blockchainreporter

2025/09/06

Shiba Inu Marks Milestone with Cross-Chain Lending and $500 Giveaway

Shiba Inu Marks Milestone with Cross-Chain Lending and $500 Giveaway

TLDR Shiba Inu has entered the cross-chain lending market through its integration with Folks Finance. The integration allows SHIB holders to lend and borrow across 12 blockchain networks. Shiba Inu launched a $500 giveaway worth 40.45 million SHIB tokens to celebrate the milestone. Participants must complete social engagement tasks to qualify for the SHIB giveaway. [...] The post Shiba Inu Marks Milestone with Cross-Chain Lending and $500 Giveaway appeared first on CoinCentral.

Author: Coincentral

2025/09/06

Network Tokens Are Infrastructure, Not Securities, Wintermute Tells SEC

Network Tokens Are Infrastructure, Not Securities, Wintermute Tells SEC

The post Network Tokens Are Infrastructure, Not Securities, Wintermute Tells SEC appeared on BitcoinEthereumNews.com. Wintermute Trading, a leading crypto market-maker with over $6 Trillion in historical trading volume, has urged the SEC to treat network tokens as network infrastructure rather than securities. In a September 3, 2025 submission to the SEC’s Crypto Task Force, the firm argued that tokens like Bitcoin and Ether “enable a blockchain network to operate” by powering consensus and “make up the vast majority of digital asset market capitalization.” It warned that classifying these assets as securities would impose securities-law compliance on every trade, raise costs for market makers, and “stifl[e] innovation and driv[e] blockchain development … outside of US markets,” effectively pushing trading offshore. Wintermute likened these network tokens to commodities or real estate – assets people buy for investment but that are not regulated as stocks. Wintermute’s SEC Submission Wintermute’s feedback was filed in response to SEC Commissioner Hester Peirce’s tokenization request-for-comment. The London-registered firm noted that it provides liquidity on more than 50 crypto exchanges and has traded over $6 trillion in volume, underscoring its role as a major market maker. In its cover letter, Wintermute said it had avoided opening a U.S. office due to an “arbitrary and capricious” enforcement regime and “incredibly unclear” rules on crypto trading in the U.S. Source: X The submission aims to help define practical rules for tokenized securities markets. Wintermute urged the SEC to clarify that its own account trading, custody, and DeFi activities, like pooling or lending, need not trigger full broker-dealer rules, and to spell out when and how on-chain settlement with stablecoins is permitted. Crucially, Wintermute’s letter includes a section on “Security Status.” Citing recent SEC staff guidance that meme coins, stablecoins, and staking are not securities, Wintermute urged the agency to explicitly extend that clarity to network tokens. It defined a network token as one “intrinsically connected…

Author: BitcoinEthereumNews

2025/09/06

South Korea Caps Crypto Lending Interest at 20%

South Korea Caps Crypto Lending Interest at 20%

The post South Korea Caps Crypto Lending Interest at 20% appeared on BitcoinEthereumNews.com. Key Notes In a newly released guideline, the South Korean regulator has mandated exchanges to peg crypto lending interest at 20%. Lending is now restricted to the top 20 coins or those listed on at least three won-based exchanges. Exchanges must use their funds to provide lending services. On September 5, the South Korean regulator, the Financial Services Commission (FSC), released new guidelines for lending services on centralized cryptocurrency exchanges (CEXs). This includes pegging interest rates at 20% and restricting the use of only the top digital assets Crypto Lending Guidelines Give Responsibilities to Crypto Exchanges According to the FSC, crypto lending interest in South Korea is now capped at 20%. Lending is limited to tokens within the top 20 by market capitalization and listed on at least three won-based exchanges. South Korea has made a name for itself as one of the top crypto hubs in Asia, especially for the first half of 2025. This comes from the sudden aggressive push for digital assets in the region under the administration of newly elected President Lee Jae-myung. More crypto-based products, as leveraged lending services, were introduced in South Korea by local crypto exchanges. As the demand for crypto spiked in this jurisdiction, so did the need for regulation. In July, some sources reported that South Korea’s financial regulators were working on rolling out guidelines on cryptocurrency lending services. Ultimately, the goal is to tighten oversight and protect investors, particularly because there is a gap in crypto lending regulation. Based on the guidelines, exchanges are now mandated to make sure that first-time borrowers are knowledgeable about whatever products are being offered to them. To achieve this, these borrowers must complete online training and suitability tests set by the local self-regulatory organization, the Digital Asset eXchange Alliance (DAXA). Once there are signs of a potential forced…

Author: BitcoinEthereumNews

2025/09/05

South Korea issues new guidelines to curb risks in crypto lending sector

South Korea issues new guidelines to curb risks in crypto lending sector

South Korean regulators have developed new guidelines to address the growing competition and risks associated with the crypto lending sector as they work to ensure investors are protected and market stability is uncompromised.  “If high-risk lending services proliferate indiscriminately amid the regulatory vacuum under the current law, investor damage is inevitable,” an official with the […]

Author: Cryptopolitan

2025/09/05

South Korea’s FSC Release Guidelines for Crypto Lending, Caps Interest at 20%

South Korea’s FSC Release Guidelines for Crypto Lending, Caps Interest at 20%

South Korea’s FSC has rolled out new rules for crypto lending, citing that the interest on this service is now capped at 20%. The post South Korea’s FSC Release Guidelines for Crypto Lending, Caps Interest at 20% appeared first on Coinspeaker.

Author: Coinspeaker

2025/09/05

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