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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.

15848 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Korea is about to define DeFi’s next wave | Opinion

Korea is about to define DeFi’s next wave | Opinion

Rather than dampening innovation, South Korea is setting the stage for its evolution from retail-driven speculation to institution-backed growth.

Author: Crypto.news

2025/11/26

Chainlink’s Sergey Nazarov Says DeFi Is “30% of the Way” to Mass Adoption

Chainlink’s Sergey Nazarov Says DeFi Is “30% of the Way” to Mass Adoption

Chainlink’s Sergey Nazarov stated that regulatory clarity is essential to remove the existing barriers to DeFi adoption. Nazarov believes DeFi adoption could rise to 70% as institutional capital flows in, with full adoption potentially achievable by 2030. Chainlink’s Sergey Nazarov recently shared his outlook on the mass adoption of decentralised finance (DeFi). During his latest [...]]]>

Author: Crypto News Flash

2025/11/26

Top 9 Crypto Sectors Coinbase Ventures Is Betting On in 2026

Top 9 Crypto Sectors Coinbase Ventures Is Betting On in 2026

Coinbase Ventures has unveiled nine key investment areas it believes will define crypto’s next growth phase, ranging from real-world asset perpetuals

Author: CryptoNews

2025/11/26

Texas Allocates $5M into BlackRock’s $BTC ETF as Bitcoin Hyper Raises Over $28.5M

Texas Allocates $5M into BlackRock’s $BTC ETF as Bitcoin Hyper Raises Over $28.5M

Quick Facts: ➡️ Texas allocating $5M into a BlackRock Bitcoin ETF during a dip shows a growing state-level conviction in Bitcoin’s long-term upside. ➡️ Broader adoption of spot Bitcoin ETFs by institutions reinforces $BTC as macro collateral, even as on-chain scalability and programmability remain unresolved bottlenecks. ➡️ Bitcoin Hyper aims to address these with an […]

Author: Bitcoinist

2025/11/26

Goblin launches GoAPT, an enhanced LST infrastructure, completing the final piece of the Aptos revenue model.

Goblin launches GoAPT, an enhanced LST infrastructure, completing the final piece of the Aptos revenue model.

I. Background: Aptos Enters the Era of Revenue Layer A Shift in the Race: From a "Performance Race" to a "Revenue Race" The competition among public blockchains is entering a new phase. From the early "performance race" to the later "liquidity war," the focus has now shifted to who can build a more efficient and sustainable yield layer. Ethereum has taken the lead by setting a benchmark for yield infrastructure with its LST and LSDfi models; Solana, amidst multi-polar competition from protocols such as Jito, Sanctum, and Marinede, has formed a more open liquidity staking ecosystem. Aptos, known for its high performance and parallel execution, is at a similar turning point. Its ecosystem TVL has surpassed $680 million, and core modules such as DEX, stablecoins, and lending are becoming increasingly sophisticated. However, it still lacks a core hub to integrate capital and unleash the potential of compound interest—an "enhanced yield engine" for Aptos. Capital restructuring: The need for "long-term compound interest" among conservative funds Aptos' ecosystem expansion is driving a profound restructuring of its funding structure. Early funding primarily came from ecosystem incentives and transaction liquidity. Now, with the continuous inflow of long-term funds such as stablecoin reserves, RWA assets, and cross-chain institutional capital, the core demand for funding has shifted from "capturing volatility" to "pursuing steady compound interest + flexible liquidity." However, the current yield system on Aptos remains fragmented. There is a lack of linkage between staked assets and the strategy layer, with a large number of APTs still in a "passive lock-up" phase, unable to form a unified compounding path within the ecosystem and participate in the real yield cycle. Therefore, a "linkage layer" of funds is needed to propel Aptos from a "trading-driven" to a new "yield-driven" cycle. Experience Upgrade: From "Active Trading" to "Passive Income" The biggest hurdle in DeFi lies in its complexity. Users must frequently adjust liquidity levels, monitor funding rates, and perform rebalancing operations. This forces funds to remain idle, disrupting the compounding effect. Future Aptos should allow all users to passively earn interest through a single "stake." Liquidity staking tokens (LSTs) are key to this, enabling the conversion of staked positions into composable assets, maintaining DeFi activity while ensuring basic returns. However, Aptos's LSTs currently only offer a basic staking yield of about 6.5%, lacking differentiation and ecosystem integration, resulting in low capital efficiency. Therefore, a revenue hub capable of integrating funds, connecting strategy returns, and enabling all APTs to participate in a compounding cycle is precisely the piece of the puzzle that the Aptos ecosystem needs most right now. This is also the significance of Goblin Finance. II. GoAPT: An Enhanced LST Empowering the Aptos Revenue Layer Goblin Finance is Aptos' native enhanced yield infrastructure, designed to aggregate and amplify yield opportunities scattered across different protocols and markets through a multi-strategy Yield Hub and yield-enhanced LSTs, delivering them to users in the simplest form. Therefore, we launched GoAPT, the first enhanced liquidity staking token on Aptos. APT allows users to earn base staking yields (approximately 6.5% APR) while also receiving additional yields from the GoVault strategy vault. Currently, the overall annualized yield can be increased to up to 1.3 times the original, and will be further enhanced in the future with the opening of the strategy system and asset synergy. Furthermore, GoAPT holders will automatically participate in the Goblin points incentive program, and these points will be eligible for Goblin airdrop rewards in the future. This is a true revenue entry point. Goblin has optimized the traditional LST model in its product mechanism: Automatic appreciation: The exchange rate of each GoAPT automatically increases with staking and strategy returns, forming an embedded compound interest curve; Minimalist structure: It adopts a single-token model, is easy to understand, and can be seamlessly integrated with DeFi protocols in the ecosystem. These designs make GoAPT more than just "collateralized notes," but a liquidity protocol layer that enables efficient flow of funds between Aptos and external sources. The underlying strategy engine for enhancing returns: GoVault At the heart of this system is Goblin's strategy hub—GoVault. It's a one-stop vault system integrating multiple professional-grade strategies, with all operations automated. Users can enjoy institutional-level strategy returns with just one click of deposit. Automated Liquidity Management (ALM): Runs on Hyperion's V3 pools, dynamically rebalancing to maximize fee income while mitigating impermanent loss. Neutral Strategy (Delta-Neutral, coming soon): Deployed on perpetual contract DEXs such as Decibel to generate profits by capturing funding cost spreads while maintaining hedging exposure. CeDeFi Stable Yield Strategy (Coming Soon): Provides stable, low-risk returns through independent custodian accounts, combined with on-chain transparency and institutional-grade liquidity. Thanks to this multi-dimensional structure, Goblin's returns are highly competitive: in stablecoin trading pairs (such as USDT–USDC), the average annualized return can reach over 20%; while in volatile trading pairs (such as APT–USDC), through dynamic compounding and algorithmic range rebalancing, the annualized return can be increased to up to 50%. All the actual profits generated by the strategies will flow back to the GoAPT token through the contract, causing the value of the staked assets to continue to rise, forming a new paradigm of "staking equals profit, holding equals compound interest". Working principle: A self-reinforcing compound interest flywheel Therefore, the Goblin system is based on a self-reinforcing payout cycle model: the vault generates strategy payouts → payouts flow to GoAPT stakers → higher GoAPT payouts attract more staked TVL → a larger TVL in turn strengthens the strategy vault → the vault generates even more payouts → the cycle continues. This flywheel mechanism creates a compound interest engine that benefits the entire ecosystem: users receive continuously growing returns; the protocol receives stable cash flow and deeper liquidity; and the Aptos ecosystem forms a sustainable closed loop of returns within this cycle. Over time, GoAPT is expected to become the standard liquidity asset in the Aptos ecosystem, connecting staking, liquidity, and strategy returns to form a unified yield layer. In summary, GoAPT is not merely a simple staking credential, but a liquidity protocol layer with LST as its entry point. It connects not only the staking relationship between validators and users, but also the capital circulation between vault strategies, liquidity markets, and stablecoin systems. In other words: GoAPT is the "deposit" for revenue. GoVault is the "engine of revenue generation". The Goblin Protocol is a "route" for revenue. III. GoAPT Operation Guide Users can directly stake APT and mint GoAPT on the Goblin platform and immediately start accumulating double rewards. Using GoAPT is very simple: 1) Go to the Goblin Finance website and connect your Aptos wallet. 2) Select the "GoAPT" entry at the top of the homepage. The top of the page will display key data: Total APT Staked, TVL, Current APY, and indicate the current points multiplier. The information area on the left displays the current APT price, the GoAPT exchange rate (GoAPT Price in APT), and the APY trend chart for the past seven days in real time, helping users track changes in earnings. The right-hand function area is divided into three main sections: Stake, Withdraw, and Claim. 3) Users can choose to stake on the right, staking the corresponding amount of APT (minimum 10 APT). The earnings are automatically settled daily and reflected in the GoAPT exchange rate. The whole process does not require frequent operation or monitoring. 4) Withdraw and Claim Withdraw: Unstake: Users can submit a redemption request. The system will calculate the amount due based on the current GoAPT/APT exchange rate and wait approximately 14 days to complete the unlocking process. Claim: After a regular redemption is completed, users can claim their APT with one click on the Claim tab. The interface will clearly display the status of each request (Pending / Ready / Claimed). The entire process is transparent and traceable, with every step completed on-chain. For users, staking yields returns, holding generates compound interest, and they can also receive future airdrop rewards from Goblin—this is precisely the "seamless return experience" that Goblin hopes to bring to Aptos users. Special launch event: Earn-to-Boost incentives are now available. To celebrate the launch of GoAPT, Goblin will be launching a phased incentive event . During the event, all GoAPT stakers will receive bonus points multipliers: Regular users can enjoy 8x points bonus Active users can enjoy up to 12 times the points bonus! Points can be used for incentive allocation in future airdrops and for ecosystem governance. Please pay attention to the official website and community updates for details. IV. Future Outlook The launch of GoAPT marks a new phase in Aptos's revenue layer development. Goblin Finance will continue to expand GoVault's strategy matrix and deepen Aptos's revenue infrastructure, introducing more automated on-chain revenue models and deeply integrating with native lending and stablecoin protocols to build a transparent, real-time, and traceable revenue dashboard system, making all revenue flows publicly verifiable. Goblin's vision is clear: to make Aptos the most profitable ecosystem in the Web3 world. Goblin Finance - Building the native revenue layer for Aptos

Author: PANews

2025/11/26

UAE Sets Comprehensive Structure for Central Bank Authority Under New Decree-Law

UAE Sets Comprehensive Structure for Central Bank Authority Under New Decree-Law

The post UAE Sets Comprehensive Structure for Central Bank Authority Under New Decree-Law appeared on BitcoinEthereumNews.com. UAE’s new decree centralizes monetary authority and sharpens sector-wide oversight. Updated rules boost supervision, governance standards, and institutional accountability. Customer protection strengthens through stricter reporting, oversight, and intervention powers. The United Arab Emirates has introduced a wide regulatory overhaul that reshapes how the Central Bank functions across the national financial system. The new framework expands regulatory tools, sharpens institutional responsibilities, and links decision making with clearer accountability.  Consequently, the decree-law positions the Central Bank as the primary authority for monetary policy, sector supervision, and financial stability, while also clarifying how licensed institutions, insurers, and market infrastructure operators must meet national standards.  Besides, the updated model aims to create stronger oversight across banking, insurance, payments, and emerging financial technologies. Hence, the new structure supports a more predictable regulatory environment and helps institutions understand their obligations within the broader financial ecosystem. Clearer Powers and Institutional Responsibilities The decree-law confirms the Central Bank as a federal institution with full operational and financial independence. It reports directly to the President and operates under its own regulations.  Additionally, the framework separates the Bank from general public finance procedures, which allows greater flexibility in monetary operations. The law also defines which institutions fall under direct supervision.  Hence, banks, insurers, finance companies, and payment firms must comply with Central Bank rules. Financial free zones remain outside the scope because they follow separate legislation. Moreover, government-related entities must coordinate with the Central Bank when their work affects the national financial sector. Governance rules also receive major updates. The Board of Directors includes seven qualified members who serve renewable four-year terms. Each member must demonstrate financial or economic experience, hold UAE nationality, and avoid conflicts of interest.  The Central Bank also manages a defined capital structure that includes paid-up capital and reserve accounts. Additionally, annual audited statements support transparency…

Author: BitcoinEthereumNews

2025/11/26

Metaplanet Leverages 30,823 $BTC for $130M Loan. Bitcoin Hyper Rides the Wave Into a $28.5M Presale

Metaplanet Leverages 30,823 $BTC for $130M Loan. Bitcoin Hyper Rides the Wave Into a $28.5M Presale

Quick Facts: ➡️ Metaplanet’s $130M Bitcoin-backed loan shows corporates increasingly treat $BTC as long-term collateral rather than a trading asset. ➡️ Metaplanet already owns 30,823 $BTC, worth over $2.7B, and has secured a $500M credit line to buy more. ➡️ Bitcoin Hyper ($HYPER) aims to marry Bitcoin settlement with SVM execution, targeting DeFi, payments, and […]

Author: Bitcoinist

2025/11/26

Goblin launches GoAPT, the first enhanced LST on Aptos, building an infrastructure for annualized optimized yield.

Goblin launches GoAPT, the first enhanced LST on Aptos, building an infrastructure for annualized optimized yield.

PANews reported on November 26th that Goblin Finance, the native enhanced yield infrastructure of the Aptos ecosystem, officially launched its core product, GoAPT, today. GoAPT aims to build a yield infrastructure for Aptos centered on real strategy revenue sharing. Unlike traditional LSTs that only map the base staking APR, GoAPT not only retains approximately 6.5% of the network's base yield but also returns real yields from the strategy vault, GoVault, to the token price, resulting in an overall annualized yield of up to 1.3 times higher than before. Goblin stated that while Aptos has matured in its core modules such as DEX, lending, and stablecoins, its yield layer remains undeveloped. Goblin aims to create a "sustainable yield flywheel" through the GoAPT + GoVault combination: strategy yields are channeled into GoAPT price → attracting more APT staking → driving Vault yield growth → continuously benefiting users. GoVault has already deployed a diverse range of professional strategies, such as Automated Liquidity Management (ALM). It will also soon launch Delta-Neutral hedging and CeDeFi robust arbitrage strategies, with annualized returns ranging from 20% to 50%. Users only need to stake APT to participate in the strategy system and earn compound returns. Goblin will continue to expand its strategy matrix to promote GoAPT as a high-trust asset and liquidity standard in the Aptos ecosystem, empowering diverse scenarios such as lending and restaking, and further releasing the yield potential of the Aptos network.

Author: PANews

2025/11/26

Hoskinson says the road to a Cardano revival is now underway

Hoskinson says the road to a Cardano revival is now underway

Analysis Of Hoskinson's Plan For A Cardano Revival, Detailing Midnight Glacier Drop, RealFi Loans, DeFi Push, And Base-Layer Scaling.

Author: The Cryptonomist

2025/11/26

Stablecoins shed $6 billion in November, its largest monthly drop since 2022

Stablecoins shed $6 billion in November, its largest monthly drop since 2022

The stablecoin market has suffered its steepest monthly contraction since the collapse of Terra’s Luna and UST in…

Author: Technext

2025/11/26

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