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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.

15976 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
The Cheapest Crypto Under $0.1 That Could 20x Next Year, Only 5% Phase-6 Tokens Left

The Cheapest Crypto Under $0.1 That Could 20x Next Year, Only 5% Phase-6 Tokens Left

The post The Cheapest Crypto Under $0.1 That Could 20x Next Year, Only 5% Phase-6 Tokens Left appeared on BitcoinEthereumNews.com. Early investors are starting to take notice of a new cryptocurrency that comes with a price much lower than $0.1, and can be considered as growing its demand and nearing the last 5% of its initial stage. As a fast-rising DeFi token, this is becoming one of the most discussed early chances of 2025 as most traders seek the most suitable crypto to purchase before the current market cycle runs. Things are picking up and there is a feeling that this low-priced asset may not continue being a cheap asset quite long. Mutuum Finance (MUTM) Mutuum Finance (MUTM) is developing a decentralized lending and borrowing solution, which will be used on the long-term scale. Rather than what is hype-based, the protocol is based on actual financial mechanics which can be scaled with adoption. The site operates on the basis of mtTokens which are deposits and increase in value as borrowers pay interests. As an illustration, a person providing $1,000 in ETH value gets mtTokens which continue to grow alongside heightening borrowing transactions. As mentioned by Mutuum Finance in its official X account, the V1 will be rolled out on the Sepolia Testnet in Q4 2025. The initial one comes with a functional liquidity pool, mtTokens, a debt-tracking token and a liquidation bot. The initial supported assets will be ETH and USDT. Security has been one of the key aspects of development. Halborn Security is undergoing the closing lending and borrowing agreements and this means that the protocol is being developed in a way that is trustworthy. MUTM is beginning to earn itself some credibility with real DeFi mechanics, future product announcements and expert auditing. Funding Strength and Increasing Price Momentum Mutuum Finance raised a good sum of $19M. This fundraising is the sign of great interest on a large scale,…

Author: BitcoinEthereumNews

2025/12/01

Cocoon Decentralized AI Network Launches on TON, Enabling Privacy-Preserving GPU Rentals for Toncoin Rewards

Cocoon Decentralized AI Network Launches on TON, Enabling Privacy-Preserving GPU Rentals for Toncoin Rewards

The post Cocoon Decentralized AI Network Launches on TON, Enabling Privacy-Preserving GPU Rentals for Toncoin Rewards appeared on BitcoinEthereumNews.com. The Cocoon decentralized AI network, built on The Open Network (TON), enables GPU owners to rent computing power for processing AI queries while earning Toncoin (TON). Launched on Sunday, it prioritizes privacy and decentralization, addressing concerns over centralized AI providers like Amazon and Microsoft by reducing costs and enhancing data confidentiality in just 40 words. Cocoon operates as a privacy-preserving platform on TON blockchain, allowing users to monetize idle GPUs securely. It processes initial user requests, with GPU renters already earning TON rewards for their contributions. Backed by Telegram co-founder Pavel Durov, the network counters high costs and privacy risks of centralized AI, as highlighted in a 2024 poll where 77% favored decentralized systems. Cocoon decentralized AI network launches on TON, empowering GPU owners to earn Toncoin while ensuring privacy. Discover how this innovative platform challenges centralized AI giants—explore its benefits today (152 characters). What is the Cocoon Decentralized AI Network? The Cocoon decentralized AI network is a privacy-preserving distributed computing platform constructed on The Open Network (TON), an independent layer-1 blockchain linked to the Telegram messaging application. It enables graphics processing unit (GPU) owners to rent out their hardware for processing user queries and AI requests, receiving Toncoin (TON)—the native token of TON—as compensation. Launched on Sunday, Cocoon has already handled its first user requests, allowing participants to profit from their computing resources while promoting a more equitable and secure AI ecosystem. Source: Pavel Durov The platform addresses key limitations of traditional AI infrastructure by decentralizing compute power, which reduces reliance on costly intermediaries and safeguards user data. According to Telegram co-founder Pavel Durov, who announced Cocoon at the Blockchain Life 2025 conference in Dubai, United Arab Emirates, in October, this initiative responds to growing demands for AI solutions that protect privacy from large, centralized providers. Durov emphasized: “Centralized…

Author: BitcoinEthereumNews

2025/12/01

Tether CEO Counters S&P USDT Peg Downgrade with Asset Details as Analysts Weigh Risks

Tether CEO Counters S&P USDT Peg Downgrade with Asset Details as Analysts Weigh Risks

The post Tether CEO Counters S&P USDT Peg Downgrade with Asset Details as Analysts Weigh Risks appeared on BitcoinEthereumNews.com. Tether CEO Paolo Ardoino refuted S&P Global’s downgrade of the USDT stablecoin’s peg rating to “weak,” emphasizing that the agency overlooked $7 billion in excess equity, $23 billion in retained earnings, and $500 million in monthly profits from US Treasury yields, ensuring robust collateralization beyond reported reserves. Tether’s Q3 2025 assets reached $215 billion against $184.5 billion in stablecoin liabilities, per the company’s attestation report. Ardoino highlighted unconsidered group equity and consistent revenue streams ignored in the rating assessment. Market analysts like Arthur Hayes raised concerns over Tether’s exposure to gold and Bitcoin amid falling Treasury yields, estimating a 30% drop could impact solvency. Tether USDT downgrade sparks debate as CEO counters S&P’s weak peg rating, revealing overlooked assets and profits. Discover how this affects stablecoin stability and crypto markets today. What is behind the Tether USDT downgrade by S&P Global? The Tether USDT downgrade by S&P Global to a “weak” rating on its ability to maintain the dollar peg stems from concerns over the company’s reserves, particularly its holdings in Bitcoin and gold. This assessment, issued on a recent Wednesday, marks the lowest score on S&P’s scale and has stirred uncertainty in the cryptocurrency sector where USDT plays a pivotal role. Tether’s leadership, however, maintains that the evaluation failed to fully account for the firm’s comprehensive financial position. Source: Paolo Ardoino How does Tether’s balance sheet counter the downgrade concerns? Tether CEO Paolo Ardoino directly addressed the Tether USDT downgrade by pointing to the company’s Q3 2025 attestation report, which shows total assets of approximately $215 billion compared to $184.5 billion in stablecoin liabilities. This leaves about $7 billion in excess equity on top of the reserves, plus an additional $23 billion in retained earnings within the Tether Group’s equity structure. Ardoino stressed that S&P overlooked these elements, including…

Author: BitcoinEthereumNews

2025/12/01

The Next Cryptocurrency to Surge 600%? Early Investors Point to This $0.035 DeFi Token

The Next Cryptocurrency to Surge 600%? Early Investors Point to This $0.035 DeFi Token

The post The Next Cryptocurrency to Surge 600%? Early Investors Point to This $0.035 DeFi Token appeared on BitcoinEthereumNews.com. An increasing number of early investors is looking at a new DeFi token trading below $1, suggesting that it might be the next cryptocurrency to record a significant breakout. As the objective of the project draws ever closer with the news of its leading development stepping stones and its high demand driving the project to its final phases, traders in search of the most profitable cryptocurrency to go with are starting to focus on the latest opportunity to ride. The operating consensus amongst early investor ranks revolves around one thing: is this DeFi token about to explode by 600%? What Mutuum Finance Is Developing Mutuum Finance (MUTM) is at a stage of its offering that is one of the most active ones. The token was introduced at a price of $0.01 in early 2025 and has already increased to an amount of $0.035, or 250%. The project has raised $19M and constructed a community of 18,200 holders. Over 800M tokens have been already purchased out of 1.82B allocated towards the offering and Phase 6 is approaching full allocation. Mutuum Finance is developing a decentralized lending and borrowing application to serve an authentic utility. The system will enable users to provide assets, lend against security and get yield as long as real borrowing activity occurs. Having predictable borrowing rates, liquidation protection and adjustable models of interest, the platform will strive to introduce a safer structure within the DeFi crypto space. Yield Mechanics and V1 Launch On its official X account, Mutuum Finance stated that V1 will go live on the Sepolia Testnet in Q4 2025. It would have a working liquidity pool, mtTokens, the debt-token system and the liquidation bot, supported by ETH and USDT at launch. A working product prior to the commencement of the listings is among the primary…

Author: BitcoinEthereumNews

2025/12/01

Mystery Whale’s $60M AAVE Accumulation May Bolster Price Recovery Prospects

Mystery Whale’s $60M AAVE Accumulation May Bolster Price Recovery Prospects

The post Mystery Whale’s $60M AAVE Accumulation May Bolster Price Recovery Prospects appeared on BitcoinEthereumNews.com. A mystery whale has accumulated $59.93 million worth of AAVE tokens since October, including a recent $10.68 million purchase via Galaxy Digital OTC. This AAVE whale accumulation signals strong confidence in the protocol’s $125 million annualized revenue, despite unrealized losses, supporting recent price recovery in the DeFi sector. Whale’s Strategy: Bought 60,000 AAVE at an average of $218 per token, holding through volatility for long-term gains. AAVE’s Fundamentals: Generates $125 million in annualized revenue with minimal token incentives, bolstering sustainability. Market Impact: This accumulation coincides with AAVE’s price bounce, up 15% in the last week, per on-chain data from blockchain analytics firms like Nansen. Discover the AAVE whale accumulation driving DeFi confidence amid market recovery. Explore implications for investors in this detailed crypto news update. Stay informed on token strategies today. What is the Significance of the Recent AAVE Whale Accumulation? AAVE whale accumulation refers to large-scale purchases by institutional or high-net-worth investors, such as the recent acquisition of 60,000 AAVE tokens worth $10.68 million through Galaxy Digital’s over-the-counter desk. This move, part of a broader $59.93 million haul since October, underscores deep belief in AAVE’s DeFi protocol despite an average buy-in price of $218, resulting in $13.8 million in unrealized losses at current levels. Such activity often precedes market recoveries, as seen with AAVE’s recent 15% price uptick. How Does AAVE’s Revenue Model Support Whale Confidence? AAVE’s lending protocol produces $125 million in annualized revenue primarily from interest fees on loans, with nearly zero reliance on token incentives, according to data from DeFi analytics platform Dune Analytics. This self-sustaining model reduces sell pressure and enhances token value over time. Industry experts, including DeFi researcher Chris Blec, note that “protocols like AAVE with organic revenue streams are primed for long-term adoption in a maturing crypto ecosystem.” Short sentences highlight key…

Author: BitcoinEthereumNews

2025/12/01

The Next Big Altcoin Under $0.04? Top Crypto Investors Rush Into MUTM Ahead of the $0.06 Launch Price

The Next Big Altcoin Under $0.04? Top Crypto Investors Rush Into MUTM Ahead of the $0.06 Launch Price

Investors seeking the best crypto to invest in currently are looking at a rapidly expanding altcoin that only costs them less than $0.04. As the hype and its initial launch price are already established at $0.06, the hype surrounding Mutuum Finance (MUTM) is gaining speed. According to many commentators, the project is in the same […]

Author: Cryptopolitan

2025/12/01

Most ETH Valuation Models Indicate Undervaluation, Though One Signals Overpricing

Most ETH Valuation Models Indicate Undervaluation, Though One Signals Overpricing

The post Most ETH Valuation Models Indicate Undervaluation, Though One Signals Overpricing appeared on BitcoinEthereumNews.com. Ethereum valuation models largely indicate that ETH is undervalued at current prices around $3,000, with a composite fair value of $4,836 suggesting over 58% upside potential, though one key model warns of overvaluation by 57% due to declining network revenue. Nine out of 12 models rate ETH as undervalued, pointing to strong growth prospects based on on-chain activity and network metrics. Models like App Capital and Metcalfe’s Law project fair values up to $9,484, highlighting Ethereum’s expanding ecosystem. Despite optimism, the Revenue Yield model values ETH at $1,296, citing record-low fees and competition from other blockchains, with data from ETHval analysis. Discover why Ethereum valuation models show ETH as mostly undervalued at $3,000, with fair value estimates up to $9,484. Explore key insights and one contrarian view in this analysis. Stay informed on crypto trends today. What Do Ethereum Valuation Models Say About ETH’s Current Price? Ethereum valuation models predominantly suggest that Ether (ETH) remains undervalued at its current market price just above $3,000, with most projections indicating significant room for growth. According to analysis from CryptoQuant CEO Ki Young Ju, nine out of 12 established models position ETH below its fair value, driven by robust on-chain metrics and network expansion. A composite fair value across these models estimates ETH at approximately $4,836, representing more than a 58% increase from recent levels, underscoring Ethereum’s foundational role in decentralized finance. 12 different ETH valuation models signal that ETH is undervalued at current market prices just north of $3,000. Source: ETHval The native token of the Ethereum network, Ether (ETH), powers the world’s leading smart contract platform, facilitating everything from decentralized applications to tokenization of real-world assets. These valuation models draw from diverse methodologies, including on-chain data, network growth theories, and economic indicators, to assess ETH’s intrinsic worth. Ki Young Ju, a…

Author: BitcoinEthereumNews

2025/12/01

December 2025 Game Releases: Metroid Prime 4: Beyond and Indie Highlights Ahead

December 2025 Game Releases: Metroid Prime 4: Beyond and Indie Highlights Ahead

The post December 2025 Game Releases: Metroid Prime 4: Beyond and Indie Highlights Ahead appeared on BitcoinEthereumNews.com. December 2025 features major game releases like Metroid Prime 4: Beyond and Marvel Cosmic Invasion, offering diverse genres from horror to action RPGs. Expect indie gems and a Nintendo blockbuster, providing affordable entertainment during the holidays. Metroid Prime 4: Beyond launches December 4 on Nintendo Switch, delivering an open-world sci-fi adventure with Samus Aran. Horses, a 4-hour psychological horror game, arrives December 2 on PC via multiple stores, exploring farm life gone wrong. Marvel Cosmic Invasion debuts December 1 across consoles and PC, reviving classic beat-’em-up gameplay with Marvel heroes and co-op modes, including data on 15 playable characters. Discover the top games releasing December 2025, from Metroid Prime 4: Beyond to indie horrors—perfect for holiday gaming. Dive in now for affordable thrills and epic adventures! (148 characters) What Are the Best Games Releasing in December 2025? Games releasing December 2025 include a mix of long-awaited sequels, indie horrors, and innovative titles across platforms like PC, Nintendo Switch, and consoles. This month shifts from traditional holiday lulls to exciting releases, highlighted by Nintendo’s Metroid Prime 4: Beyond, which revives a dormant franchise with modern controls and open-world exploration. Affordable indie options ensure accessibility, blending genres for broad appeal without breaking the budget. How Does Metroid Prime 4: Beyond Advance the Franchise? The Metroid Prime series returns after nearly two decades with Metroid Prime 4: Beyond, set on the planet Viewros where bounty hunter Samus Aran navigates threats using enhanced abilities. This installment introduces a vast open-world map, complete with a sci-fi motorcycle for traversal, and updated controls compatible with Nintendo Switch 2’s Joy-Con features. Developers emphasize a narrative fresh start, eliminating the need for prior entries like the 2007 Wii release. According to insights from Nintendo’s announcements, the game expands exploration mechanics, allowing seamless scanning and combat in a visually…

Author: BitcoinEthereumNews

2025/12/01

Grok Predicts: If You Missed Avalanche, The New Crypto Whitelist Could Still Turn Your $1 Dream into Reality

Grok Predicts: If You Missed Avalanche, The New Crypto Whitelist Could Still Turn Your $1 Dream into Reality

Ever wondered why some traders make insane gains while others are still staring at charts, waiting for the “perfect moment”? The crypto market doesn’t wait for perfection. One week, prices are mooning like there’s no tomorrow; the next, they’re bleeding faster than a broken faucet. Analysts debate candlesticks, RSI levels, moving averages, and “expert takes,” but when fear strikes, most do nothing. And that’s exactly where opportunity hides. History shows the cautious rarely win; real profits come to those who ape while others hesitate. If you missed $AVAX’s rise, don’t miss $APEING, the hottest new token on Avalanche, which is built for this mindset. It rewards action, instinct, and the kind of bold HODLing that separates casual observers from true winners. In a space where hesitation is costly, $APEING gives apes a chance to move fast, claim early spots, and ride the wave before the market catches on. With the new crypto whitelist now live, there’s no better time to get in before the momentum explodes. Here’s why Apeing isn’t just another token; it’s the degen playground for serious gains. Apeing: Why $APEING Is the Token Everyone Will Meme About $APEING’s appeal lies in simplicity and community energy. Unlike traditional assets weighed down by bureaucracy, Apeing taps into the thrill of decentralized finance (DeFi) with a playful, almost rebellious spirit. Crypto enthusiasts have long celebrated meme coins like Dogecoin and Shiba Inu, not because of fundamentals alone, but because community and timing matter. According to a Messari report, coins with high social engagement can outperform traditional DeFi tokens by up to 20% in early phases. $APEING leverages this formula: vibrant community, Avalanche’s blazing speed, and a no-nonsense approach that rewards those who jump in early. In short, it’s designed for apes, not calculators. Grok Predicts: If You Missed Avalanche, The New Crypto Whitelist Could Still Turn Your $1 Dream into Reality 4 The Countdown Is On: Ape In Before the Window Closes As $APEING continues gaining buzz as one of 2025’s potential breakout tokens, early interest in whitelist spots is heating up. Community chatter suggests massive upside, some even talk about gains in the thousands of percent, but these are speculative expectations, not guarantees, and every participant should assess risks carefully. Stage 1 of $APEING has a limited token allocation, meaning getting on the whitelist now could secure the most advantageous entry point before prices climb. For Apeing, the whitelist is the gateway to Stage 1, a phase that hasn’t launched yet but promises the project’s most favorable pricing. According to the roadmap, Stage 1 entry is projected at $0.0001, while initial listing targets $0.001, hinting at a potential 10× difference even before wider market momentum kicks in. Securing a spot early often separates the apes who ride the first wave from those scrambling to catch up later. The process is straightforward: visit the official $APEING site, register your email in the whitelist section, and confirm your spot. No bots, no fake links, no chaos, just a clean, early opportunity for those ready to ape first. Missed the Opportunity? Avalanche’s Speed Makes It the Perfect Blockchain for Crypto Projects When it comes to speed, fees, and scalability, Avalanche isn’t just another blockchain; it’s a rocket for decentralized projects. The network can process over 4,500 transactions per second, with near-instant finality, meaning users don’t have to wait minutes (or worse, hours) to confirm a move. Compare that to congested networks where fees spike during hype cycles, and Avalanche becomes a playground for those who want to transact fast and avoid unnecessary friction. Beyond speed, Avalanche’s architecture is designed to handle high-demand decentralized applications without choking the network. For example, Avalanche’s own token has an all-time high of $146.22 and an all-time low of $2.79, demonstrating both its volatility and growth potential. These statistics highlight Avalanche’s ability to support projects that can experience both sharp increases and corrections, all within a low-fee, high-speed environment. Analysts have noted that projects launched on Avalanche often see early adoption accelerate faster than those on slower networks because users can act without fear of exorbitant transaction costs. Meme coin enthusiasts and degen traders know that the first wave often captures the biggest gains, and Avalanche’s low-fee environment makes that first wave accessible to everyone. Grok Predicts: If You Missed Avalanche, The New Crypto Whitelist Could Still Turn Your $1 Dream into Reality 5 Final Thoughts: Ape or Miss Out-Your Move While others hit snooze, the real apes are already moving.” The crypto market never stops, and opportunities vanish in the blink of an eye. Hesitation rarely pays; those who linger on the sidelines often watch potential gains slip through their fingers while decisive apes claim the first positions. Apeing $APEING on Avalanche isn’t just another token; it’s a playground for action-takers, combining speed, reliability, and a community-driven ecosystem designed for those who trust their instincts. By joining the new crypto whitelist, investors, developers, and meme enthusiasts gain more than early access; they secure a front-row seat to a project built for momentum, engagement, and fun. Avalanche’s lightning-fast confirmations and low fees ensure that apes can move without friction, while a passionate community amplifies every decision. Boldness, creativity, and humor are rewarded alongside financial insight. Grok Predicts: If You Missed Avalanche, The New Crypto Whitelist Could Still Turn Your $1 Dream into Reality 6 For More Information: Website: Visit the Official Apeing Website Telegram: Join the Apeing Telegram Channel Twitter: Follow Apeing ON X (Formerly Twitter) Frequently Asked Questions About the new crypto whitelist What is the new crypto whitelist for $APEING? The new crypto whitelist is a list of early adopters who gain priority access to $APEING tokens on Avalanche. How to join the Apeing whitelist? Go to the official website, submit your email in the whitelist section, and confirm via email. Why should I ape into $APEING early? Early participation often results in better token allocation and potential gains, leveraging Avalanche’s fast, low-fee network. Summary $APEING is a new meme-inspired token launching on Avalanche. The new crypto whitelist offers early adopters priority access. Apeing encourages instinctive action over cautious chart-watching, blending speed, community, and fun. Avalanche’s fast, low-fee network ensures smooth participation. Early whitelist members gain strategic advantages, potential premium allocations, and access to community-driven initiatives. Historical trends show decisive early adoption often outperforms delayed, cautious moves. The project balances humor, utility, and infrastructure, making it appealing for developers, traders, and meme enthusiasts alike. Read More: Grok Predicts: If You Missed Avalanche, The New Crypto Whitelist Could Still Turn Your $1 Dream into Reality">Grok Predicts: If You Missed Avalanche, The New Crypto Whitelist Could Still Turn Your $1 Dream into Reality

Author: Coinstats

2025/12/01

RCBC sees increased credit card usage

RCBC sees increased credit card usage

RIZAL COMMERCIAL Banking Corp. (RCBC) saw increased use of credit cards among its clients leading up to the holidays, showing sustained consumer confidence and retail activity. At end-September, the bank’s issuing billings grew by 32% year on year while its receivables rose by 37%, it said in a statement on Sunday. RCBC’s active cardholders also […]

Author: Bworldonline

2025/12/01

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