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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.

15663 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
How Aave’s App Store Launch Could Bring DeFi Yields to Mainstream Consumers

How Aave’s App Store Launch Could Bring DeFi Yields to Mainstream Consumers

The post How Aave’s App Store Launch Could Bring DeFi Yields to Mainstream Consumers appeared on BitcoinEthereumNews.com. Key Insights: Aave announced plans to launch an application on Apple’s App Store on November 17, targeting mainstream users with yields up to 9% APY. The decentralized lending protocol offered real-time interest compounding and up to $1 million in balance protection. Aave crypto traded flat at $176.50 despite the announcement, showing no immediate price response over 24 hours. Aave Labs disclosed on November 17 that it would release an application through Apple’s App Store, positioning the product as a direct challenge to traditional savings accounts with a minimum 5% APY. The forthcoming app offers yields up to 9% APY, more than double the 3% to 4% rates provided by the best high-yield savings accounts. Users could boost their base rate by verifying identity, setting up automatic deposits, or inviting friends to the platform. Aave Targets Inflation-Eroded Traditional Savings The official announcement framed the launch as a response to decades of stagnant innovation in savings accounts. The protocol criticized traditional banks for their limited withdrawal options, lengthy waiting periods, and interest paid over extended time horizons. When inflation exceeded the interest rates on savings accounts, depositors lost purchasing power despite nominal balance increases. Aave App differentiated itself through real-time interest compounding. Rather than monthly, quarterly, or yearly payouts typical of conventional banks, interest is accrued every second. Users could open the application and observe earnings down to the cent at any moment. The product eliminated restrictions common to high-yield accounts. Depositors could withdraw funds at any time without notice periods, penalties, or fine print limitations. Aave’s maximum 9% APY substantially exceeded current US Treasury yields across all maturities. Three-month Treasury bills yielded 3.79%, six-month bills returned 3.70%, and twelve-month securities offered 3.55%. Even thirty-year bonds provided only 4.74%. US Treasury bills’ yields as of press time | Source: Bloomberg The yield…

Author: BitcoinEthereumNews

2025/11/18

PBOC sets USD/CNY reference rate at 7.0856 vs. 7.0816 previous

PBOC sets USD/CNY reference rate at 7.0856 vs. 7.0816 previous

The post PBOC sets USD/CNY reference rate at 7.0856 vs. 7.0816 previous appeared on BitcoinEthereumNews.com. The People’s Bank of China (PBOC) sets the USD/CNY central rate for the trading session ahead on Tuesday at 7.0856 compared to the previous day’s fix of 7.0816 and 7.1096 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-70856-vs-70816-previous-202511180115

Author: BitcoinEthereumNews

2025/11/18

Why Analysts Believe This New Crypto Could Outmatch Cardano’s (ADA) Early Growth

Why Analysts Believe This New Crypto Could Outmatch Cardano’s (ADA) Early Growth

The post Why Analysts Believe This New Crypto Could Outmatch Cardano’s (ADA) Early Growth appeared on BitcoinEthereumNews.com. The crypto markets have not witnessed a breakout token in a long time, but times are changing. The name that analysts are increasingly turning to for a new crypto that has the strongest resemblance to the early Cardano breakout phase, but with even more potential because of the low entry fee and the rapidly escalating interest, is Mutuum Finance (MUTM). Though the ADA token gave immense profits during its early phase of development, Mutuum Finance is poised to be the top crypto to buy because of its very useful DeFi model and the ultra-low presale cost of $0.035. The project has a phenomenal influx of buying interest that has already caused its presale to go beyond 90% of Phase 6. This momentum makes MUTM the new crypto drawing the attention of early-stage investors looking for outsized gains. ADA Battles Heavy Sell Pressure As Bears Target $0.51 Support Cardano is currently in a very sensitive position on the daily chart, with ADA trading around recent low levels as bearish momentum gains further strength. The token’s price remains pressed towards the very important $0.51 level of support and, if it cannot resist the downward pressure at that level, a further decline towards $0.38 might be anticipated. Yet a sharp reaction at the $0.51 level could trigger a short-term relief rally towards the resistance level of $0.62 but, lacking positive confirmation, the bearish trend remains the prevailing force. As ADA struggles to regain momentum, the interest of investors is turning towards early-stage investment opportunities, such as Mutuum Finance (MUTM), a relatively new crypto option that is gaining pace. Moving into Phase Two Mutuum Finance is progressing successfully during Phase 2 of its development life cycle, also often denominated “Building Mutuum”. This phase targets the building of the platform’s technological foundation. Developers are busy…

Author: BitcoinEthereumNews

2025/11/18

Crypto News: CMC20 Launches as First DeFi-Enabled Tradable Crypto Index Token on BNB Chain

Crypto News: CMC20 Launches as First DeFi-Enabled Tradable Crypto Index Token on BNB Chain

reoverCMC20 launches on BNB Chain as a DeFi-native index token offering diversified exposure to top crypto assets.   CoinMarketCap has launched CMC20, a DeFi-enabled tradable crypto index token built on BNB Chain.  The new asset offers broad exposure to the top 20 cryptocurrencies through a single transaction. It aims to simplify market access for users […] The post Crypto News: CMC20 Launches as First DeFi-Enabled Tradable Crypto Index Token on BNB Chain appeared first on Live Bitcoin News.

Author: LiveBitcoinNews

2025/11/18

The New Altcoin With 1000% Potential, Here’s Why It’s Rising

The New Altcoin With 1000% Potential, Here’s Why It’s Rising

One altcoin is already making ground and a lot of people who bought it early in the year think that it might be among the best crypto next year. The reason behind its growth has been the consistent demand levels, actual utility and the speed at which it is advancing in its roadmap. Although the […]

Author: Cryptopolitan

2025/11/18

Why Traders Are Ditching Shiba Inu (SHIB) for This $0.035 Profit Machine

Why Traders Are Ditching Shiba Inu (SHIB) for This $0.035 Profit Machine

Changes are taking place in the crypto trading community, with many moving away from meme-coins towards cryptos with solid revenue models and undiluted fundamentals. While Shiba Inu (SHIB) has begun to rise, speculative sentiment and token burns are still the driving forces behind its price growth. On the other hand, the DeFi ecosystem is shifting […]

Author: Cryptopolitan

2025/11/18

AAVE to Launch New High-Yield Savings Platform on Apple’s App Store

AAVE to Launch New High-Yield Savings Platform on Apple’s App Store

The post AAVE to Launch New High-Yield Savings Platform on Apple’s App Store appeared on BitcoinEthereumNews.com. On Monday, November 17th, AAVE opened the waitlist of its new “savings account”-like consumer yield app on Apple’s App Store. With the AAVE app, users can earn up to 5% + bounce APY (Annual Percentage Yield), leveraging Aave’s infrastructure lending protocol, with deposit methods available through bank accounts, debit card,s and stable coin wallets. Amid the announcement, the AAVE price continued to follow the broader market correction and plunged over 4% during the U.S. market hours. AAVE plans to launch a new “savings account”-like app to offer up to 5% + bounce APY to its users, initially available on Apple’s app store. To protect users’ funds, AAVE offers a protection program that extends up to $1 million in balances. Over the past three months, the AAVE price has been resonating with the formation of a falling wedge pattern. AAVE Introduces App With High-Yield and $1M Protection Program Aave, the decentralized lending protocol, plans to launch a new savings-like application aimed at providing higher returns than traditional bank accounts while eliminating many of the restrictions that customers normally encounter. According to the blog post, the service offers yields of up to 9% per year, based on factors such as identity verification, recurring transfers, or referrals. This is in stark contrast to the low interest rates that are common with standard accounts, where average interest is well below 1%, and even premium accounts rarely exceed mid-single-digit interest. The company is positioning itself as a reaction to the rising cost of living and existing banking practices that limit withdrawals or slow access to personal funds. Users can check their balances at any point in time and see interest accumulate constantly instead of on monthly/annual accounts. A built-in calculator helps savers adjust the size of their deposits or the time horizon and see the…

Author: BitcoinEthereumNews

2025/11/18

Figment, OpenTrade and Crypto.com Offer 15% Stablecoin Yield Product for Institutions

Figment, OpenTrade and Crypto.com Offer 15% Stablecoin Yield Product for Institutions

The post Figment, OpenTrade and Crypto.com Offer 15% Stablecoin Yield Product for Institutions appeared on BitcoinEthereumNews.com. Figment, a major staking infrastructure provider with $18 billion in assets under stake, is partnering with OpenTrade and Crypto.com to offer a new yield product aimed at institutional investors looking for returns on stablecoins. The product offers roughly 15% annual returns, based on past performance, by staking Solana SOL$141.61 and using perpetual futures to offset the price volatility of the token. Investors deposit stablecoins and receive interest without being directly exposed to the price of SOL. The staked assets are custodied by Crypto.com in legally segregated accounts. While staking has typically required exposure to the price of the token being staked, this structure separates the yield from the asset’s volatility. For example, an institution holding USDC can earn a return similar to SOL staking — usually around 6.5% to 7.5% — while avoiding the risk of price swings. The additional return comes from managing futures positions that neutralize price movements. This approach is different from typical DeFi lending, which often involves counterparty risk and less transparency. Figment and OpenTrade say the product gives institutions the ability to earn yield while interacting only with known entities and within a legal framework not usually available in on-chain markets. Crypto.com’s custody arrangement includes security interest provisions and keeps assets separate from the company’s own balance sheet — a feature often required by institutional compliance standards. The product is accessible through Figment’s platform and application programming interfaces (APIs). Stablecoins can be deposited and withdrawn at any time, with interest accruing from the moment of deposit. While the structure may not appeal to retail users familiar with decentralized finance, it reflects a shift toward more controlled, predictable yield strategies in crypto markets. Source: https://www.coindesk.com/markets/2025/11/17/figment-opentrade-and-crypto-com-launch-15-stablecoin-yield-product-for-institutions

Author: BitcoinEthereumNews

2025/11/18

Grab These 2 Must-Buy Cryptos Now for Potential Wealth Explosion by 2027

Grab These 2 Must-Buy Cryptos Now for Potential Wealth Explosion by 2027

Creating wealth with cryptocurrency means you need to find projects with both rapid profitability and long-term potential. While the market is consolidating within itself, some sophisticated investors are eyeing two different assets that may yield exceptional results in the next 4 years.  One of these is a Layer 1 goliath with strong fundamentals, and the […]

Author: Cryptopolitan

2025/11/18

Aave Labs has announced plans to launch a high-yield app for iOS users

Aave Labs has announced plans to launch a high-yield app for iOS users

Aave Labs, the team responsible for handling the top DeFi lending protocol Aave, has announced the launch of a new consumer-facing mobile app called “Aave: Save and Earn.”  The app introduces iPhone users directly to high-yield savings via the Apple App Store. The team presented it as a way to make DeFi more accessible for […]

Author: Cryptopolitan

2025/11/18

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