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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.

14035 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
PBOC sets USD/CNY reference rate at 7.1161 vs. 7.1321 previous

PBOC sets USD/CNY reference rate at 7.1161 vs. 7.1321 previous

The post PBOC sets USD/CNY reference rate at 7.1161 vs. 7.1321 previous appeared on BitcoinEthereumNews.com. On Monday, the People’s Bank of China (PBOC) set the USD/CNY central rate for the trading session ahead at 7.1161 as compared to the previous day’s fix of 7.1321 and 7.1551 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-71161-vs-71321-previous-202508250129

Author: BitcoinEthereumNews

2025/08/25

Dogecoin (DOGE) Price Stalls Near $0.22, While Whales Accumulate This New Crypto for 25x Potential

Dogecoin (DOGE) Price Stalls Near $0.22, While Whales Accumulate This New Crypto for 25x Potential

The post Dogecoin (DOGE) Price Stalls Near $0.22, While Whales Accumulate This New Crypto for 25x Potential appeared first on Coinpedia Fintech News Dogecoin (DOGE) has been trading road‑guarded in the $0.22 range for months, slowly drifting sideways through much of 2024 and 2025 with no sustained breakout in sight. Despite occasional rebounds, such as a move up from the $0.188 low earlier this year, the memecoin has remained stuck between long-standing resistance and support levels, a setup …

Author: CoinPedia

2025/08/25

China set its strongest yuan fix since January after the U.S. dollar dropped

China set its strongest yuan fix since January after the U.S. dollar dropped

The post China set its strongest yuan fix since January after the U.S. dollar dropped appeared on BitcoinEthereumNews.com. China’s central bank pushed the yuan’s daily reference rate stronger on Monday than it has since January, reacting fast after Jerome Powell’s Jackson Hole speech sent the dollar sliding. The People’s Bank of China (PBOC) set the fix at 7.1161 per dollar, down from 7.1321 on Friday, the firmest level since November. According to Bloomberg, the dollar weakened after Powell left the door open for rate cuts, saying the labor market is showing signs of strain even though inflation still hasn’t cooled completely. The Dollar Spot Index fell 0.8% following his remarks. The onshore yuan gained slightly, trading at 7.1605 per dollar, after hitting 7.1593, its highest level since late July. But while the reference rate got stronger, the yuan lost ground against a broader set of currencies. Bloomberg’s gauge tracking China’s currency versus major peers showed a decline early in the session, even with Monday’s firmer fix. The fixing dropped below 7.12 for the first time since last November, a sign officials may be responding more aggressively to the greenback’s retreat and trying to keep the yuan stable amid renewed global pressure. Beijing pumps liquidity into market to calm bond stress The PBOC also moved aggressively to pump cash into the system this month. Beijing added 600 billion yuan ($84 billion) through a mix of one-year Medium-Term Lending Facility loans and three- and six-month outright reverse repos. Bloomberg’s tally showed this was the largest monthly liquidity injection since January. The injection came as yields surged in the latest 30-year government bond auction, with investors demanding the highest payouts since December. As the central bank added cash, China’s overnight repo rate fell to 1.35%, dropping seven basis points. Futures tied to 30-year government bonds also jumped as much as 0.7%, their strongest one-day rise since April. The goal is to…

Author: BitcoinEthereumNews

2025/08/25

The Week Ahead: Crypto Markets Brace for Nvidia Earnings and Fed Inflation Data

The Week Ahead: Crypto Markets Brace for Nvidia Earnings and Fed Inflation Data

TLDR Nvidia reports quarterly earnings Wednesday with investors watching AI demand growth and China trade policy impacts Federal Reserve’s preferred inflation measure (PCE) releases Friday, could influence September rate cut decision Fed Chair Powell’s dovish Jackson Hole comments boosted rate cut expectations above 80% for September meeting Rate-sensitive sectors like homebuilders and banks rallied strongly [...] The post The Week Ahead: Crypto Markets Brace for Nvidia Earnings and Fed Inflation Data appeared first on CoinCentral.

Author: Coincentral

2025/08/25

The Best Crypto Under $0.7? Investors Predict This Token Will Outperform DOGE and PEPE in 2026

The Best Crypto Under $0.7? Investors Predict This Token Will Outperform DOGE and PEPE in 2026

The post The Best Crypto Under $0.7? Investors Predict This Token Will Outperform DOGE and PEPE in 2026 appeared on BitcoinEthereumNews.com. The post The Best Crypto Under $0.7? Investors Predict This Token Will Outperform DOGE and PEPE in 2026 appeared first on Coinpedia Fintech News Every bull market has its standout tokens, and investors are already positioning for which cryptocurrencies could deliver the biggest returns in 2026. Dogecoin (DOGE) and Pepe (PEPE) have shown how meme-driven momentum can turn small allocations into life-changing gains. But with their growth trajectories slowing, many traders are turning their attention to Mutuum Finance (MUTM), a DeFi token under $0.04 that combines affordability with real utility. Dogecoin (DOGE) Dogecoin started as a meme but quickly grew into a cultural icon. Trading today near $0.22, DOGE still holds a spot among the top cryptocurrencies by market capitalization. Its early breakout remains legendary, rising from fractions of a cent to over $0.70 in 2021.  While it continues to be powered by community enthusiasm and celebrity endorsements, DOGE has yet to transition into a utility-driven asset, which has limited its upside compared to newer tokens. Pepe (PEPE) Pepe (PEPE) entered the market in 2023 and rapidly gained attention as one of the most talked-about meme coins. Currently priced near $0.00001, its early surge turned tiny investments into five-figure wins almost overnight.  However, much like DOGE, Pepe has struggled to maintain long-term growth. Without a sustainable utility model, it has largely remained a high-volatility trading token rather than an asset built for consistent expansion. Mutuum Finance (MUTM)  Mutuum Finance is a decentralized, non-custodial liquidity protocol built to give users complete control over their assets. Currently in Phase 6 of its presale at $0.035, with a confirmed listing price of $0.06, MUTM has already raised $14.75 million from more than 15,550 holders, offering early investors immediate upside even before factoring in its long-term growth potential. The platform operates through two models:…

Author: BitcoinEthereumNews

2025/08/25

Inside the Aave – WLFI proposal: Rumors, revenue sharing, and governance?

Inside the Aave – WLFI proposal: Rumors, revenue sharing, and governance?

The post Inside the Aave – WLFI proposal: Rumors, revenue sharing, and governance? appeared on BitcoinEthereumNews.com. Key Takeaways Aave is weighing a partnership with the World Liberty Financial (WLFI). This would give its DAO a share of WLFI tokens and revenues, something that has fueled a debate due to Trump family ties and unclear terms.  A proposal tied to World Liberty Financial (WLFI) is stirring debate in the DeFi space. Especially as fresh details surface around its potential partnership with Aave. Rumors around the Aave-WLFI proposal The plan, first floated in October 2024, suggests that Aave’s governing DAO could secure 7% of WLFI’s governance token supply, along with 20% of revenues from WLFI’s deployment on Aave v3. Now, the move has fueled speculation over token allocations and raised questions. Particularly given WLFI’s high-profile backing from members of U.S President Donald Trump’s family. Over the weekend, Aave founder Stani Kulechov also described this new partnership proposal as “the art of the deal,” emphasizing its potential to expand the ecosystem. However, uncertainty around the details caused volatility in AAVE’s price, with the same dipping from around $385 to as low as $339, before stabilizing at $346.68 at press time. Simply put, this episode saw the token’s value drop by over 3% on the charts.  Rumors that Aave would directly receive 7% of WLFI’s token supply further accelerated the uncertainty around the token and its position in the market.  What’s the reality? Fir its part though, the WLFI team later clarified that this was “false.” The team explained instead that AaveDAO will earn 20% of fees from WLFI’s Aave v3 instance, plus around 7% of WLFI tokens for governance, liquidity mining, and decentralization. According to Colin Wu, the proposal has already cleared AaveDAO governance and has been ratified by WLFI. For context, the plan centers on launching a dedicated WLFI Aave v3 instance to provide stablecoin liquidity for ETH…

Author: BitcoinEthereumNews

2025/08/25

3 Token Unlocks to Watch in the Final Week of August 2025

3 Token Unlocks to Watch in the Final Week of August 2025

The post 3 Token Unlocks to Watch in the Final Week of August 2025 appeared on BitcoinEthereumNews.com. The crypto market will see notable token unlocks in the fourth week of August 2025. Major projects, including Jupiter (JUP), Optimism (OP), and Kamino (KMNO), will release significant new token supplies.  These unlocks, worth millions, could introduce market volatility and influence short-term price movements. Here’s a breakdown of what to watch. 1. Jupiter (JUP) Unlock Date: August 28 Number of Tokens to be Unlocked: 53.47 million JUP (0.76% of Total Supply) Current Circulating Supply: 3.05 billion JUP Total supply: 7 billion JUP Jupiter is a decentralized liquidity aggregator on the Solana (SOL) blockchain. It optimizes trade routes across multiple decentralized exchanges (DEXs) to provide users with the best prices for token swaps with minimal slippage.  On August 28, Jupiter will unlock 53.47 million JUP tokens, valued at approximately $27.54 million, representing 1.75% of its circulating supply. This unlock follows a monthly cliff vesting schedule.  JUP Token Unlock in August. Source: Tokenomist Jupiter has allocated the tokens primarily to the team (38.89 million JUP). Furthermore, Mercurial stakeholders will get 14.58 million JUP altcoins. 2. Optimism (OP) Unlock Date: August 31 Number of Tokens to be Unlocked: 31.34 million OP (0.73% of Total Supply) Current Circulating Supply: 1.75 billion OP Total supply: 4.29 billion OP Optimism is a Layer 2 scaling solution for Ethereum (ETH) using Optimistic Rollups. It batches transactions off-chain, reducing fees and increasing speed while keeping Ethereum’s security.  The network will release 31.34 million OP on August 31. These tokens account for 1.79% of the circulating supply and are worth around $24.36 million.  OP Token Unlock in August. Source: Tokenomist Core contributors will receive 16.54 million tokens from this amount, while investors will secure 14.8 million OP. 3. Kamino (KMNO) Unlock Date: August 30 Number of Tokens to be Unlocked: 229.17 million KMNO (2.29% of Total Supply) Current Circulating…

Author: BitcoinEthereumNews

2025/08/25

Won Stablecoins: Crucial Warning for South Korean Banks on Interest Income

Won Stablecoins: Crucial Warning for South Korean Banks on Interest Income

BitcoinWorld Won Stablecoins: Crucial Warning for South Korean Banks on Interest Income South Korea’s financial landscape is on the brink of a significant transformation with the potential introduction of bank-issued won stablecoins. A recent report from NICE Investors Service, a respected South Korean credit rating agency, sheds crucial light on the profound implications for the nation’s banking sector. This development could reshape how money moves and how traditional financial institutions generate income, creating both challenges and opportunities. What are Won Stablecoins and Why Do Banks Care? Simply put, won stablecoins are digital currencies designed to maintain a stable value, pegged 1:1 to the South Korean Won. Unlike volatile cryptocurrencies, their stability makes them attractive for everyday transactions and remittances. While they offer efficiency, their emergence presents a complex scenario for established banks. The NICE Investors Service report highlights a significant concern: a potential reduction in banks’ interest income. This is because a substantial shift of funds from traditional bank deposits into stablecoins could shrink the deposit base that banks rely on for lending. This shrinking base directly impacts their ability to earn interest, which is a core part of their business model. Moreover, the report notes that the banks’ traditional intermediary role could weaken. If consumers and businesses increasingly use won stablecoins for transactions, the need for banks to facilitate these transfers might diminish. This presents a fundamental challenge to their long-standing position in the financial ecosystem. The Shifting Landscape: Who Wins and Who Loses with Won Stablecoins? The impact of won stablecoins is not uniform across the financial industry. The NICE Investors Service analysis paints a clear picture: Banks: Potentially face negative effects due to reduced interest income and a weakened intermediary role. Securities Firms: Could see positive effects. As stablecoins gain traction, these firms might find new avenues for investment products, trading, and asset management services tied to digital assets. Credit Card Industry: Expected to experience a neutral impact. While stablecoins might offer alternative payment methods, the core services and infrastructure provided by credit card companies could remain largely unaffected initially. This nuanced view underscores the dynamic nature of financial innovation. While banks might face headwinds, other sectors could thrive by adapting to the digital currency era. Navigating the Future: Are South Korean Banks Ready for Won Stablecoins? Despite the potential for reduced interest income, there is a silver lining for banks. The NICE report suggests that directly issuing won stablecoins could open up new revenue streams through fee income. This new income could potentially offset some of the losses from shrinking deposits, creating a new business model for the digital age. South Korean banks are not standing idly by. More than ten major institutions, including industry giants like KB Kookmin, Shinhan, KEB Hana, Woori, and Nonghyup, have already formed a consortium. This collaborative effort demonstrates a proactive approach to addressing the developments surrounding stablecoins. Their goal is likely to explore: Joint issuance strategies for won stablecoins. Developing common standards and infrastructure. Lobbying for favorable regulatory frameworks. Identifying new service opportunities within the stablecoin ecosystem. This collective action is crucial for traditional banks to remain competitive and relevant in a rapidly evolving financial landscape. By working together, they can leverage their combined resources and expertise to navigate the complexities of digital currencies. What Actionable Steps Can Banks Take Regarding Won Stablecoins? For banks, understanding and adapting to won stablecoins is paramount. Key actionable insights include: Innovation: Invest in blockchain technology and digital payment solutions. Collaboration: Participate actively in industry consortiums and partnerships. Regulation: Engage with policymakers to shape a supportive regulatory environment. New Services: Explore offering stablecoin-related services, such as custody, lending, or integrated digital wallets, to generate new fee income. Embracing these changes can help banks transform potential threats into strategic advantages. In conclusion, the advent of bank-issued won stablecoins in South Korea represents a pivotal moment for the financial sector. While traditional banks face the challenge of potential interest income reduction, their proactive engagement through consortiums and exploration of new fee-based services demonstrate a strong will to adapt. The future of finance in South Korea will undoubtedly be shaped by how these institutions embrace and integrate digital currencies into their core operations. This is a dynamic space, and vigilance, innovation, and collaboration will be key to success. Frequently Asked Questions (FAQs) What are won stablecoins? Won stablecoins are a type of cryptocurrency designed to maintain a stable value, directly pegged to the South Korean Won, making them suitable for everyday transactions and financial activities. How will stablecoins impact South Korean banks’ interest income? According to NICE Investors Service, if funds shift from traditional bank deposits into won stablecoins, banks could see their deposit base shrink, leading to a reduction in their interest income from lending activities. Which financial sectors are positively or negatively affected by won stablecoins? The report suggests banks could be negatively affected, securities firms could see positive impacts, and the credit card industry is expected to experience a neutral effect from the rise of won stablecoins. What are South Korean banks doing in response to stablecoin developments? More than ten major South Korean banks, including KB Kookmin and Shinhan, have formed a consortium to collectively address and develop strategies for won stablecoins, indicating a proactive approach to this emerging technology. Can banks benefit from issuing their own won stablecoins? Yes, the NICE report indicates that directly issuing won stablecoins could create new fee income streams for banks, potentially offsetting some of the losses from reduced interest income and opening new business models. The emergence of won stablecoins is a game-changer for South Korea’s financial future. Share this article on your social media channels to inform others about these crucial developments and spark a conversation about the future of banking! To learn more about the latest crypto market trends, explore our article on key developments shaping the crypto market institutional adoption. This post Won Stablecoins: Crucial Warning for South Korean Banks on Interest Income first appeared on BitcoinWorld and is written by Editorial Team

Author: Coinstats

2025/08/25

Ethereum (ETH) Price Set To Surge To New Highs, But Traders Are Piling Into a Viral 50x DeFi Crypto at $0.035

Ethereum (ETH) Price Set To Surge To New Highs, But Traders Are Piling Into a Viral 50x DeFi Crypto at $0.035

The post Ethereum (ETH) Price Set To Surge To New Highs, But Traders Are Piling Into a Viral 50x DeFi Crypto at $0.035 appeared on BitcoinEthereumNews.com. As Ethereum (ETH) crawls towards its potential breakout, traders are shifting their focus to a new DeFi contender that’s building viral momentum, Mutuum Finance (MUTM). Existing investors are set for a 300% ROI minimum profit at listing. Mutuum Finance (MUTM) has crossed more than $14.8 million and has over 15600 investors to date.  Promising aggressive 50x growth projections as ETH makes its systematic ascent. As decentralized finance ecosystems mature at a frenzied pace, Mutuum Finance’s new model is taking liquidity and headlines by storm, setting itself up for a dramatic shift in crypto market sentiment. Ethereum Trades Near $4,296 as Market Cautious, with Mutuum Finance on the Fringe Ethereum (ETH) is currently trading at approximately $4,295.94 with some intraday stability after corrections and ETF-driven volatility recently. The broader crypto market has been defined by muted investor sentiment as Ethereum finds it difficult to consolidate near the $4,100–$4,300 zone amid short-term pressure and macroeconomic conditions. Meanwhile, the narrative wraps up with an update on emerging interest in a viral DeFi project, Mutuum Finance. Mutuum Finance Stage 6 Presale Mutuum Finance (MUTM) is currently in the sixth presale round, priced at $0.035 per token. Following this round, the price increases by 14.29% to $0.04, reflecting growing demand and confidence by early adopters. The presale has already garnered over 15,600 investors and over $14.8 million in funding, reflecting strong early traction and investor interest. A USD-Pegged Stablecoin on Ethereum Mutuum Finance will launch a USD-pegged stablecoin on the Ethereum blockchain with the objective of providing a stable, transparent, and secure store of value. The stablecoin will act as a stable digital asset for everyday transactions, decentralized applications, and portfolio stability over the long term. Unlike algorithmic stablecoins, which have always proven to be vulnerable to market volatility, this asset is designed with the…

Author: BitcoinEthereumNews

2025/08/25

RWA Projects, Emerging Meme Wave and 2025 DePIN King – Prime Narratives for This Bull Run Disclosed

RWA Projects, Emerging Meme Wave and 2025 DePIN King – Prime Narratives for This Bull Run Disclosed

Big changes are shaping the next market surge. Fresh ideas are gaining attention, including new uses for real-world assets, a rise in playful tokens, and the next leader in decentralized tech. These trends are standing out from the crowd. Why are they catching so much hype—and what do they promise for those chasing the next [...]]]>

Author: Crypto News Flash

2025/08/25

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