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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.

15767 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Saylor Says ‘I Won’t Back Down’ As Traders Eye Best Altcoins Like Bitcoin Hyper

Saylor Says ‘I Won’t Back Down’ As Traders Eye Best Altcoins Like Bitcoin Hyper

What to Know: Saylor’s ‘I Won’t Back Down’ message comes as Bitcoin slides toward $80K–$85K, pressuring leveraged players and reigniting crash warnings. Strategy’s 649K+ BTC stack remains profitable on paper, but the stock premium has nearly vanished, testing investor patience with the treasury bet. U.Today+1 Bitcoin Hyper aims to solve Bitcoin’s throughput, fees, and programmability issues with an SVM-based Layer-2 that keeps Bitcoin as the settlement layer. The $HYPER presale has raised over $28M, offers around 41% staking rewards, and targets multi-X upside if its Layer-2 roadmap and ecosystem delivery succeed. Bitcoin just pulled off one of the nastiest rug-pull-looking dips of the entire cycle. In a matter of hours, the price fell from above $120K to sub-$90K and even wicked into the $80,600 zone, wiping out billions in longs and reigniting the classic “it’s over, lads” chorus across Crypto X. And right in the middle of the chaos, Michael Saylor dropped four words that could basically be printed on his business card: “I won’t back down.” This time, the line carried extra weight. His company, Strategy, is now sitting on roughly 649,870 BTC at an average price near $74,430, still in profit despite the crash, even as the stock gets punished and critics wonder how long a leveraged Bitcoin maxi can stare down this kind of volatility. Strategy even ran a poll that showed nearly 78% of respondents were simply HODLing through the sell-off. Hardcore Bitcoiners still see turbulence, not terminal failure, but not everyone’s built for that degree of mark-to-market pain. Retail, smaller funds, and DeFi traders are increasingly searching for ways to keep Bitcoin exposure without just holding spot and praying. That’s where the new rotation narrative comes in. If Bitcoin stays the monetary backbone of crypto, the best altcoins this cycle may be the ones solving what Bitcoin can’t: throughput, fees, and programmability. Bitcoin Hyper ($HYPER) fits that thesis almost too well, positioning itself as a Bitcoin Layer-2 designed to make BTC behave like a fast, flexible, programmable asset, all without compromising the base layer. Bitcoin Hyper Turns Bitcoin Volatility Into Layer-2 Utility Behind the branding, Bitcoin Hyper is targeting a very real structural gap in the Bitcoin ecosystem. BTC still handles only a handful of transactions per second, and fees spike whenever activity increases, which is why most of today’s DeFi, NFTs, and on-chain experimentation have migrated to faster environments, such as Solana. Bitcoin Hyper’s solution is a rollup-style Layer-2 anchored to Bitcoin but powered by an SVM (Solana Virtual Machine) execution layer. Users send BTC to a monitored main-chain address, a canonical bridge verifies the deposit, and the network mints an equivalent amount of wrapped BTC on Hyper. From there, transactions run on a high-throughput chain with near-instant finality and low fees, while zero-knowledge proofs periodically settle back to Bitcoin L1. The architecture aims to preserve Bitcoin’s security while moving actual activity, payments, DEX trades, lending, NFT markets, even meme-coin chaos, onto a chain that feels Solana-fast. Because it uses SVM, existing Rust developers can port their apps with minimal friction, giving Hyper a realistic shot at building an ecosystem instead of becoming another pretty but empty L2. Of course, there are risks. $HYPER is still in presale, and the roadmap is ambitious: audits and presale throughout 2025, mainnet and SVM+dApp integration between late 2025 and early 2026, then token listings, SDKs, and a DAO rollout in 2026. Execution needs to hit those milestones for the L2 thesis to play out. Security is at least trending positively. The contracts have already cleared audits from Coinsult and SpyWolf, with no hidden mint functions or obvious backdoors flagged, a good start, even if it doesn’t eliminate the typical smart-contract and market risks associated with new chains. For anyone who wants to stay structurally long Bitcoin while also capturing upside from where the next wave of blockspace demand might land, $HYPER offers a clean play. If Bitcoin activity increases and DeFi migrates toward BTC-secured infrastructure, a functioning Bitcoin-anchored Layer-2 could absorb a disproportionate share of that value. Inside the Bitcoin Hyper Presale and $HYPER Token Economics While Bitcoin has been violently whipsawing, the Bitcoin Hyper presale has been doing the opposite, grinding steadily upward. It has now crossed $28.3M raised, with the current stage pricing $HYPER around $0.013325. That still puts it in micro-cap range, but the raise is now large enough that this is no longer a small degen side-quest. Real capital is flowing in. Presale buyers can also stake $HYPER at 41% rewards, with more than a billion tokens already locked. Those yields will naturally taper off as more wallets join in, but the intent is clear: early participants are encouraged to behave like long-term network partners, not short-term flippers. It aligns neatly with the idea of $HYPER acting as a “beta on Bitcoin’s evolution” rather than just another momentum meme. On the valuation side, upside scenarios being circulated are bold but at least mathematically grounded. One widely shared fundamental review puts a potential 2025 high near $0.02595 once mainnet is live and liquidity deepens, roughly a 2x from the current presale range if the thesis holds. More aggressive models project further out, mapping a possible 2026 high around $0.08625 and a 2030 target near $0.253, assuming the roadmap lands, the ecosystem fills in, and major exchanges eventually list the token. Relative to today’s pricing, that implies roughly 6–7x to the 2026 level and close to 19x by 2030. Nothing is guaranteed, but it explains why $HYPER keeps showing up in alt-rotation threads whenever traders discuss asymmetric setups tied to Bitcoin infrastructure instead of random meme noise. Crucially, $HYPER isn’t pitched as a hedge against Bitcoin; it’s pitched as a way to amplify it. If Saylor’s “I Won’t Back Down” stance represents the diamond-hands end of the spectrum, Bitcoin Hyper is where the more risk-tolerant crowd is rotating: still ideologically long BTC, but looking to high-beta Layer-2 infrastructure for bigger potential multiples as the cycle churns through volatility. This article is informational only; crypto, especially presales, is highly volatile. Always do your own research and never risk rent money. Authored by Aaron Walker, NewsBTC – https://www.newsbtc.com/news/best-altcoins-saylor-wont-back-down-bitcoin-hyper-presale

Author: NewsBTC

2025/11/24

Arthur Hayes Predicts $80K Floor for Bitcoin

Arthur Hayes Predicts $80K Floor for Bitcoin

The post Arthur Hayes Predicts $80K Floor for Bitcoin appeared first on Coinpedia Fintech News Arthur Hayes noted slight improvement in liquidity, expecting the Federal Reserve to stop quantitative tightening on December 1, with U.S. banks increasing lending in November. He predicts Bitcoin could fluctuate below $90,000, possibly dipping to the low $80,000s, but believes the $80,000 level will hold firm. Hayes’ outlook reflects cautious optimism amid ongoing market adjustments and …

Author: CoinPedia

2025/11/24

Digital Asset Treasuries Can’t Hold Premiums, Warns Bitwise CIO

Digital Asset Treasuries Can’t Hold Premiums, Warns Bitwise CIO

The post Digital Asset Treasuries Can’t Hold Premiums, Warns Bitwise CIO  appeared first on Coinpedia Fintech News Digital asset treasuries are back in the spotlight as market analysts warn that their long-standing premium valuations may not survive the changing landscape. With spot ETFs offering cleaner exposure and new regulatory pressures emerging, Bitwise Chief Investment Officer Matt Hougan says the traditional DAT model is confronting a “high hurdle” that most firms will struggle …

Author: CoinPedia

2025/11/24

Arthur Hayes Predicts Bitcoin Dip Into High $80Ks but Says $80K “Will Hold”

Arthur Hayes Predicts Bitcoin Dip Into High $80Ks but Says $80K “Will Hold”

Bitcoin may continue to trade choppily below $90,000 in the days ahead, according to BitMEX co-founder Arthur Hayes, who said he expects at least one

Author: CryptoNews

2025/11/24

Optimising B2B Payments with Crypto: How ChangeNOW For Business Leads the Way

Optimising B2B Payments with Crypto: How ChangeNOW For Business Leads the Way

Here’s how organisations can optimise B2B payments using crypto infrastructure, and why ChangeNOW For Business stands out.

Author: The Cryptonomist

2025/11/24

Only 10% Tokens Left: Mutuum Finance (MUTM) Could Be the Next 25x Crypto of 2026, Here’s Why

Only 10% Tokens Left: Mutuum Finance (MUTM) Could Be the Next 25x Crypto of 2026, Here’s Why

Mutuum Finance (MUTM) is entering its hyper competitive phase. Buying the limited Phase 6 tokens remaining are moving quickly as the talk is mounting on whether this $0.035 altcoin can be one of the next big cryptocurrencies of 2026. Analysts already test early models, and they believe that MUTM possesses the criteria that are facilitating past leading crypto projects to skyrocket within their initial year.  How Mutuum Finance operates Mutuum is a decentralized smart contract lending protocol that is being developed. Two fundamental elements are utilized in the protocol to maintain the lending engine. On P2C, users provide assets to a pool and are given mtTokens. These mtTokens increase with time as borrowers make repayments. As an illustration, an individual that puts in $1000 of ETH earns mtTokens whose value will continue to grow with the accumulation of interest. This provides holders with unrestricted APY. The P2P model is collateralized and explicit LTV regulations. Borrowers secure collateral, select the terms on loans and accept the variable interest rates as per their usage. Passing on values of the collateral to such a low level initiates liquidation. In exchange, liquidators pay off portions of the debt made by the borrower and obtain discounted collateral. This keeps loan positions secure and protocol conducive. The Presale Demand Blows Up  In early 2025 Mutuum Finance started with a presale price of $0.01. Afterward, the token price has increased to $0.035 in Phase 6. It is also an increase of 250% of stage one. The project has succeeded to raise approximately $18.85 million already and expand its community to over 18, 100 holders. Approximately 805 million tokens have been bought up till now. Among the four billion or the total amount of supply, it is also distributed by 45.5% to the presale. This is a significant portion of tokens prior to launch and this makes a good entry position to early supporters. Phase 6 at that presale allocation is nearly sold, with only the remaining of around 10%. According to the roadmap MUTM will be introduced at a price of 0.06. It implies that initial entrants that had gotten in at $0.01 or $0.035 have a visible mountain of upside potential. The Phase 1 buyers are geared towards appreciation of approximately 500% at the time of listing whereas Phase 6 buyers continue to enter at a great discount compared to its launch price. Demand is growing rapidly with the day-to-day 24-hours leaderboard wherein the contributor with the highest number is rewarded with $500 in MUTM. This maintains the participation levels and quickens the speed of each phase being completed. The presale is also made easier by card payments that have no limits among international customers. Phase 6 is nearly over, and investors seeking the best cryptocurrency to invest are scurrying due to the impending price increment. V1 Launch and Security Strengthen Analyst Expectations It was confirmed on the official X account of Mutuum Finance that V1 will be deployed to the Sepolia Testnet in the fourth quarter of 2025. It will be equipped with the lending pool, mtTokens, a debt system and the automated liquidator bot, which will enable the protocol to have two of the most popular assets in DeFi upon its release. Another primary factor that makes analysts project a good performance is security. Mutuum Finance is audited by certiK with a 90 out of 100 Token Scan rating. There is also a $50k bug bounty that will be launched to find code vulnerabilities prior to mainnet release.  MUTM has the potential to go up to the range of $0.20 to$ 0.25 some analysts reckon. In the bullish cases, forecasts indicate that the targets could be even higher indicating that MUTM may turn out to be one of the next big crypto opportunities of 2026. Predictions made through models have suggested that a 25x outcome is not definite but can be achieved should there be a sharp rise in adoption within the first year of full adoption. Long-Term Growth On-demand stablecoin is also being developed by Mutuum Finance. This stable coin will be sold and burned as users will borrow or repay loans.  Another long term catalyst is the expansion of layer-2. The use of L2 networks lowers costs, makes the liquidations run smoothly and faster. Lending protocols need to be efficient. The improvement in performance means more borrowing, which means more interest and this increases the pressure of buying MUTM. The Phase 6 supply is rapidly decreasing at only approximately 10% left. The events of every stage are more sold out than the previous stage with increased demand. Postponement of entry implies a cost in the form of high future prices potential. Mutuum Finance could become one of the most anticipated new crypto coins in the year. Having developing utility, robust audit performance, confirmed V1 launch and traction towards massive presale activity the project has the base to enable significant expansion in 2026. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance

Author: Coinstats

2025/11/24

Which One Reflects The Future Of Web3?

Which One Reflects The Future Of Web3?

The post Which One Reflects The Future Of Web3? appeared on BitcoinEthereumNews.com. Crypto Presales Explore Avalanche, Chainlink, and IPO Genie to see which represents the future of Web3. A deep comparison of the best Web3 tokens and emerging AI-powered networks. Web3 in 2025 looks less like one unified system and more like a shifting constellation of technologies competing for long-term relevance. Each protocol pulls developers, investors, and users into its own orbit. And through all the noise, one question keeps coming back: which direction actually represents the future of Web3? Some analysts argue the answer lies in scalable app-chain networks like Avalanche. Others believe the strongest signal comes from Chainlink’s data and interoperability standards, which support much of today’s decentralized finance. And a growing group points to IPO Genie ($IPO, a new category entirely, AI-native platforms, now emerging among the best Web3 tokens shaping 2025. This listicle breaks down the three paths defining today’s landscape and examines how Avalanche, Chainlink, and the new AI token IPO Genie compare in the race to Web3’s next chapter. IPO Genie: The New AI Token Redefining How Intelligence Moves Through Web3 If early signals matter, IPO Genie sits at the center of the most important Web3 shift. It is one of the top AI tokens mentioned in market discussions because its AI engine operates as a real-time intelligence network, not just an automation tool. Its “Sentient Signal Agents” analyze financial data, startup performance, and market sentiment in real time. These agents scan funding rounds, traction, milestones, early user behavior, and ecosystem signals to highlight potential breakout companies. Most AI-themed projects focus on bots or automation, but IPO Genie targets predictive insight, something analysts believe could reshape investment discovery by 2026. A major difference lies in its compliance stack. Every deal is supported by CertiK-audited contracts, Fireblocks custody, and Chainlink-verified data, echoing standards used across regulated digital…

Author: BitcoinEthereumNews

2025/11/24

Avalanche Vs Chainlink Vs New AI Token: Which One Reflects The Future Of Web3?

Avalanche Vs Chainlink Vs New AI Token: Which One Reflects The Future Of Web3?

Web3 in 2025 looks less like one unified system and more like a shifting constellation of technologies competing for long-term […] The post Avalanche Vs Chainlink Vs New AI Token: Which One Reflects The Future Of Web3? appeared first on Coindoo.

Author: Coindoo

2025/11/24

Walmart Inc. (WMT) Stock: Retail Giant Enters South Africa With First Store Launch

Walmart Inc. (WMT) Stock: Retail Giant Enters South Africa With First Store Launch

TLDR Walmart opens its first store in South Africa, marking its African debut. Shoppers queued for hours seeking unique products and Black Friday deals. The store offers a 60-minute delivery service competing with Shoprite’s Sixty60. Walmart created 80 jobs and partnered with 15 local enterprises. WMT continues strong multi-year stock performance versus the S&P 500. [...] The post Walmart Inc. (WMT) Stock: Retail Giant Enters South Africa With First Store Launch appeared first on CoinCentral.

Author: Coincentral

2025/11/24

Crypto treasuries facing $130 billion value reckoning as ETFs reshape market

Crypto treasuries facing $130 billion value reckoning as ETFs reshape market

Investors long paid premiums for Digital Asset Treasury firms, seeing them as practical substitutes for holding Bitcoin when direct access was limited. That approach worked when regulated channels were scarce and corporate balance sheets offered the closest approximation to holding the asset itself. But according to Matt Hougan, chief investment officer at Bitwise Asset Management, […] The post Crypto treasuries facing $130 billion value reckoning as ETFs reshape market appeared first on CryptoSlate.

Author: CryptoSlate

2025/11/24

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