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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.

14050 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Why Ethereum’s DeFi sector is struggling despite Ether reaching record highs

Why Ethereum’s DeFi sector is struggling despite Ether reaching record highs

The post Why Ethereum’s DeFi sector is struggling despite Ether reaching record highs appeared on BitcoinEthereumNews.com. ETH reached $4,700 in August 2025, yet DeFi adoption grows slowly. Regulatory rules, high fees, and complex processes hinder mass DeFi participation. Layer 2 solutions and better collaboration with regulators may drive future growth. Ethereum’s DeFi sector continue to run into issues, even though Ether (ETH) hit record highs in August 2025. ETH reached $4,700, the highest since 2021, and the number of daily active addresses went up to 9.1 million. DeFi hasn’t grown as much as Ether’s price has. Factors such as how many people are using it, how developed the market is, rules and regulations, and changes in investor interest are all playing a part. Ethereum is still widely used, but these challenges and the competition in the space are keeping DeFi from expanding faster. DeFi growth versus market challenges Ethereum is at the center of DeFi, with $312.6 billion locked in smart contracts in August 2025, the highest ever. But the sector is still growing slowly. Money in DeFi is divided among other blockchains like Solana, BNB Chain, and Arbitrum, where activity hasn’t grown much and in some cases has fallen slightly. Government rules and regulations are making things harder, especially around lending and stablecoins, which is slowing down interest from big investors. On top of that, high fees and complicated processes make it difficult for regular users to get involved. Some platforms, like Aave, have seen big growth, reaching $70 billion in deposits with a 40% increase in just a few weeks. But this growth stands out against the overall cautious mood in the sector. Centralized exchanges and CeFi lending platforms are also taking some money away from DeFi, even as lending on DeFi platforms hits record levels. The idea of decentralization is being tested as regulatory and technical challenges grow, which could slow the sector’s…

Author: BitcoinEthereumNews

2025/08/27

Ethereum Reclaims DeFi Crown, Sentora Says Chain Now Holds 62% of TVL

Ethereum Reclaims DeFi Crown, Sentora Says Chain Now Holds 62% of TVL

Sentora reports Ethereum holds 62% of DeFi TVL. We examine drivers, liquid staking, L2 momentum, and whether rival chains can chip away at its lead.

Author: Blockchainreporter

2025/08/27

Cronos unveils 2025-2026 roadmap targeting institutional adoption

Cronos unveils 2025-2026 roadmap targeting institutional adoption

The post Cronos unveils 2025-2026 roadmap targeting institutional adoption appeared on BitcoinEthereumNews.com. Cronos has announced its 2025-2026 roadmap outlining plans for institutional adoption through tokenization, AI integration, and expanded distribution channels, according to information provided to Finbold on August 26, 2025.  🚀 Our 2025 – 2026 Roadmap is now live: The Golden Age of On-Chain Dominance. 🔗 Full roadmap: https://t.co/RqO0WzRiWG 🌕 Our vision is clearer than ever: turn global finance into open, programmable rails that ANYONE can use – newbies, DeFi degens, creators, builders,… pic.twitter.com/HTa8BI7Chg — Cronos (@cronos_chain) August 26, 2025 The strategy centers on three main development areas intended to increase adoption and market presence. 3 growth engines  The first engine, infrastructure, will see Cronos launch a purpose-built tokenization platform for equities, funds, commodities, insurance, forex, and real estate. The platform aims to enable instant T+0 transfers, provide yield on tokenized stocks, and integrate with DeFi protocols. Tokenized assets will be made natively accessible to AI agents through the Cronos AI Agent SDK and its Proof of Identity standard. The second engine, distribution, leverages Cronos’ integration with Crypto.com to provide access for more than 150 million retail users to DeFi services such as lending and staking. Merchant adoption is expected to scale across 10 million eligible businesses, with Cronos products embedded within Crypto.com’s fiat rails and Project Cortex, its LLM-powered financial interface. The third engine, demand, will be anchored around CRO, the native token of Cronos. This includes support for CRO-powered ETFs in the U.S. and EU and partnerships with digital asset treasury companies to reinforce liquidity and CRO’s institutional utility. Tying tokenization, AI, and DeFi into one interoperable system Cronos reports recent network upgrades have reduced block times to 0.5 seconds and decreased gas fees, resulting in a reported 400% increase in daily transactions. The roadmap sets targets for 2026, including $20 billion in CRO through public markets, $10 billion…

Author: BitcoinEthereumNews

2025/08/27

Top 10 Altcoins With Real Utility for Long-Term Growth

Top 10 Altcoins With Real Utility for Long-Term Growth

The post Top 10 Altcoins With Real Utility for Long-Term Growth appeared on BitcoinEthereumNews.com. Crypto News Explore the top 10 altcoins with real utility and strong ecosystems that investors are watching for long-term growth. After years of hype-driven cycles, the crypto market is maturing. Investors are shifting focus from speculative meme tokens to projects with genuine utility, platforms that solve real-world problems, build ecosystems, and attract developer adoption. In the long run, coins with strong utility tend to sustain growth even when market sentiment cools. With the next bull cycle approaching, analysts are spotlighting the top 10 altcoins that could lead the way in long-term utility-driven expansion. Alongside these established players, new entrants such as MAGACOIN FINANCE are also gaining attention as investors look for projects combining narrative strength with ecosystem growth. Ethereum (ETH) Ethereum remains the most widely used blockchain for decentralized applications. Its dominance in DeFi, NFTs, and tokenized assets highlights unmatched utility. With the transition to proof-of-stake and continued Layer 2 scaling through rollups like Arbitrum and Optimism, Ethereum’s ecosystem remains the heartbeat of Web3. By 2026, analysts expect Ethereum’s utility to expand further as institutional adoption accelerates through ETFs and enterprise integrations. Its combination of security, decentralization, and developer activity makes ETH a cornerstone for long-term investors. Solana (SOL) Solana is recognized for its unmatched speed and low fees. It has become the go-to chain for high-frequency applications like gaming, DeFi, and NFTs. After overcoming past reliability issues, Solana has stabilized with major upgrades that reinforce scalability. Developers are increasingly turning to Solana to build applications requiring high throughput, giving it a unique edge. Analysts project that SOL could maintain its momentum heading into 2026, driven by retail adoption and institutional curiosity. Its expanding ecosystem makes Solana one of the most utility-rich blockchains to watch for the long term. Cardano (ADA) Cardano’s academic and research-first model sets it apart from…

Author: BitcoinEthereumNews

2025/08/26

Smart Contracts for Business: Automating Trust and Efficiency

Smart Contracts for Business: Automating Trust and Efficiency

Smart Contracts for Business: Automating Trust and Efficiency Within today’s dynamic digital marketplace, enterprises aim to minimize spending, maximize efficiency, and foster greater trust among customers and partners. One of the most transformative innovations enabling this shift is smart contracts. Powered by blockchain technology, smart contracts automate processes, reduce intermediaries, and ensure transparent, tamper-proof agreements. For businesses, they represent a new paradigm where trust is embedded directly in the code. This blog explores the role of smart contracts in business, their advantages, real-world applications, challenges, and future potential in automating trust and efficiency. What Are Smart Contracts? Smart contracts are blockchain-based agreements that execute themselves without the need for intermediaries. It automatically executes actions once predefined conditions are met, without requiring manual intervention or intermediaries. For example, a smart contract in real estate might automatically transfer ownership of property once the buyer’s payment is confirmed on the blockchain. Similarly, in supply chains, it could release payment to a supplier as soon as goods are verified at their destination. Unlike traditional contracts that depend on third parties (lawyers, brokers, banks), smart contracts are decentralized, transparent, and tamper-proof. Key Features of Smart Contracts Businesses are adopting smart contracts because of their unique features: Automation — Executes agreements automatically once conditions are met. Transparency — Contract terms and outcomes are visible on the blockchain. Security — Powered by cryptography and decentralized blockchain networks. Trustless Transactions — Parties don’t need to rely on intermediaries for enforcement. Immutability — Smart contracts are immutable post-deployment, maintaining consistency. Efficiency — Reduces time delays and operational costs compared to manual processes. Benefits of Smart Contracts for Businesses

  1. Cost Reduction By removing intermediaries like banks, lawyers, or brokers, businesses save significantly on transaction and administrative costs.
  2. Time Efficiency Traditional contract processes often take days or weeks to execute. Smart contracts perform actions instantly when conditions are fulfilled.
  3. Trust and Transparency Since all transactions are visible on the blockchain, both parties have full visibility and cannot manipulate terms or outcomes.
  4. Security and Fraud Prevention Blockchain’s decentralized nature and encryption make smart contracts resistant to tampering and fraud.
  5. Global Accessibility Smart contracts can be executed anywhere in the world, facilitating cross-border business without complex legal hurdles. Use Cases of Smart Contracts in Business
  6. Supply Chain Management Smart contracts can automate the tracking and verification of goods across the supply chain. Payments are released only when goods are delivered and verified, reducing disputes. Example: Walmart and IBM use blockchain-based smart contracts to trace food supply chains, ensuring safety and authenticity.
  7. Real Estate Smart contracts simplify property transactions by automating ownership transfers once payment is confirmed. They also streamline rental agreements, lease contracts, and escrow services.
  8. Finance and Banking Banks use smart contracts for faster settlement of trades, loan approvals, insurance claims, and digital asset management. Example: Decentralized Finance (DeFi) platforms like Aave and Compound use smart contracts to automate lending and borrowing.
  9. Healthcare Smart contracts can securely handle patient data sharing between providers, automate insurance claims, and ensure medical supply authenticity.
  10. Insurance Smart contracts process claims automatically once predefined conditions are verified (e.g., flight delays or car accidents). This reduces fraud and speeds up payouts.
  11. Human Resources Employment contracts, payroll, and freelancer payments can be automated, ensuring timely compensation once work milestones are achieved.
  12. Legal Industry Smart contracts act as “self-executing agreements” that reduce the need for manual legal enforcement. They can be used for intellectual property rights, licensing, and royalties.
  13. Voting and Governance Organizations use smart contracts for transparent shareholder voting or DAO (Decentralized Autonomous Organization) governance decisions. How Smart Contracts Automate Trust? The primary value of smart contracts is their capacity to establish trust automatically. Instead of relying on third parties, trust is embedded in the blockchain code. Immutable Code: Parties cannot alter terms once deployed. Autonomous Execution: Actions happen automatically based on pre-set logic. Verifiable Proof: Every transaction is recorded on a public or private blockchain. This creates a trustless environment where even competitors can safely transact without fear of manipulation. How Smart Contracts Improve Efficiency? Smart contracts eliminate manual errors, delays, and redundant paperwork. Faster Settlements: Transactions execute instantly once verified. Streamlined Workflows: Automates repetitive business processes. Fewer Disputes: Pre-programmed terms reduce ambiguities. Interoperability: Can integrate with IoT devices, AI, and enterprise systems for real-time automation. Real-World Business Examples Maersk & IBM TradeLens — Using blockchain smart contracts to automate global shipping and trade documentation. Propy — A blockchain real estate platform using smart contracts to execute property transactions. Etherisc — A decentralized insurance platform that uses smart contracts to handle flight delay insurance. Chainlink — Provides external real-world data (like weather, prices, IoT) to smart contracts for automated execution. Challenges in Implementing Smart Contracts While smart contracts are promising, businesses face hurdles: Legal Recognition — Many jurisdictions lack clear regulations on smart contracts. Complex Coding — Errors in code can lead to financial losses or hacks. Scalability — Current blockchain platforms have limitations in processing speed and transaction volume. Oracles Dependence — Smart contracts need external data sources (“oracles”), which can be points of vulnerability. Irreversibility — Mistakes in contracts cannot be easily corrected once deployed. Future of Smart Contracts in Business The future of smart contracts is bright, with advancements that will address current limitations: Integration with AI & IoT — AI-driven smart contracts will make smarter, adaptive decisions using real-time IoT data. Cross-Chain Compatibility — Interoperability between multiple blockchains will expand global use cases. Enterprise Adoption — Major industries like logistics, healthcare, and finance will integrate smart contracts at scale. Legal Frameworks — Governments will create legal standards for smart contract recognition. DAO Expansion — Businesses may transition into decentralized autonomous organizations governed by smart contracts. Conclusion Smart contracts are redefining how businesses establish trust and efficiency in the digital era. By automating agreements, reducing reliance on intermediaries, and ensuring transparency, they bring speed, security, and cost-effectiveness to industries worldwide. While challenges like legal recognition and technical complexity remain, the trajectory of smart contracts is clear — businesses that embrace them will gain a competitive advantage in the global economy. As blockchain matures, smart contracts will not only automate transactions but also reshape entire business models, creating a future where trust and efficiency are built directly into the code.
Smart Contracts for Business: Automating Trust and Efficiency was originally published in Coinmonks on Medium, where people are continuing the conversation by highlighting and responding to this story

Author: Medium

2025/08/26

World Liberty Financial Token Unlock: What to Expect Ahead of September 1 Release

World Liberty Financial Token Unlock: What to Expect Ahead of September 1 Release

The post World Liberty Financial Token Unlock: What to Expect Ahead of September 1 Release appeared on BitcoinEthereumNews.com. World Liberty Financial, a decentralized finance (DeFi) platform backed by US President Donald Trump, has activated the token unlocking function for its native cryptocurrency, WLFI. According to the project’s website, other utilities, including trading, lending, and app functionality, are expected to launch soon, expanding the ecosystem. First WLFI Unlock Brings The Token Closer to Full Launch The project announced the development in an official X (formerly Twitter) post, marking a significant step in the token’s distribution. Users can initiate the process through the project’s Lockbox system.  The unlocking process requires users to connect their wallets and sign a Token Unlock Agreement through the official website. The project revealed that 20% of the initial token allocation will be available for claiming at 8:00 AM ET on September 1.  “When you sign, your tokens move into the vesting contract. Your wallet’s WLFI balance will show 0 (that’s expected). On Sept 1 @ 8:00 AM, you can claim 20% of your allocation — after claiming, your wallet will then show that 20%,” the post read. Furthermore, subsequent claims will depend on governance votes. In its guidance, World Liberty Financial stressed that participants should only interact with the official WLFI token contract throughout the process. The official contract address is: 0xdA5e1988097297dCdc1f90D4dFE7909e847CBeF6 The team emphasized that no other smart contracts are required during unlocking. This is a precaution to prevent phishing or scam attempts. However, the process has not been without technical hiccups.  Some Coinbase wallet users reported issues accessing the Lockbox. Nonetheless, the team resolved the problem swiftly and confirmed functionality restoration. “Thanks for your patience, Coinbase Wallet users — the connection issue with the WLFI Lockbox has been resolved. You should be able to connect normally now. If you still see an error, refresh and try reconnecting. As always, only use links from…

Author: BitcoinEthereumNews

2025/08/26

TOKEN6900 Presale Ends in Less Than 48 Hours – Last Chance to Buy T6900

TOKEN6900 Presale Ends in Less Than 48 Hours – Last Chance to Buy T6900

As the crypto market heads toward the end of August, altcoins are deep in the red, and investor sentiment remains cautious. Yet TOKEN6900 is breaking through the gloom, emerging as one of the few tokens generating genuine buzz. TOKEN6900, with its bold marketing, viral memes, and engaged community, is attracting attention despite the current market […]

Author: The Cryptonomist

2025/08/26

Top 10 Altcoins With Real Utility to Watch for Long-Term Growth

Top 10 Altcoins With Real Utility to Watch for Long-Term Growth

After years of hype-driven cycles, the crypto market is maturing. Investors are shifting focus from speculative meme tokens to projects […] The post Top 10 Altcoins With Real Utility to Watch for Long-Term Growth appeared first on Coindoo.

Author: Coindoo

2025/08/26

XRP Holders Get New Yield Opportunity as MoreMarkets Partners With Flare

XRP Holders Get New Yield Opportunity as MoreMarkets Partners With Flare

Moremarkets will manage Flare-native decentralized finance (DeFi) strategies, such as lending or liquid staking, to generate yield for users.

Author: CryptoPotato

2025/08/26

Best Meme Coins to Buy in 2025: Build a 6-Figure Portfolio With Just $1,500 in These 3 Tokens

Best Meme Coins to Buy in 2025: Build a 6-Figure Portfolio With Just $1,500 in These 3 Tokens

The crypto market is entering a new phase where meme coins are no longer seen as just speculative plays but as cultural assets with powerful communities driving exponential growth.

Author: Cryptodaily

2025/08/26

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