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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.

15631 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Seismic secures $10m for blockchain privacy infrastructure

Seismic secures $10m for blockchain privacy infrastructure

The post Seismic secures $10m for blockchain privacy infrastructure appeared on BitcoinEthereumNews.com. Seismic has raised $10 million in a round led by a16z to break the privacy barrier that’s kept fintechs from using public blockchains for sensitive services like private credit and cash accounts. Announced Nov. 12 by founder Lyron Co Ting Keh, the funding—joined by Polychain, dao5, Amber Group, TrueBridge Capital, and LayerZero Labs—brings the startup’s total to $17 million after its March seed round. Summary Seismic raised $10 million in a16z-led funding round, bringing total capital to $17M. The blockchain startup targets privacy barriers that limit fintech adoption of public blockchains. Keh pointed to surging fintech interest in crypto for cross-border payments and lending, but identified the inherent transparency of public ledgers as a critical roadblock for handling sensitive user data. Inside Seismic’s vision for blockchain privacy Seismic is building an encrypted blockchain with privacy embedded at the base protocol — a departure from the wallet-level or app-layer tools that dominate today. Already live in devnet, the network allows smart contracts to process sensitive data without exposing it on a public ledger. Early partners include Brookwell, which offers stablecoin-based cash accounts, and Cred Protocol, which provides private credit scoring. The company expects to begin generating revenue early next year through per-transaction fees, eventually expanding into fiat ramps and card programs. The new round comes just months after a16z first backed the company in June. At the time, the firm argued that the radical transparency of major L1s remains a “critical barrier” for industries like financial services and healthcare. Zero-knowledge proofs can guarantee correctness, they noted, but often “hamper composability,” making applications that require shared private state nearly impossible. Seismic’s architecture, they argued, offers a way around that. The momentum also reflects a broader industry shift: blockchain privacy is moving from niche add-on to prerequisite for mainstream adoption. A16z’s policy leads…

Author: BitcoinEthereumNews

2025/11/14

Aave founder warns U.K. rules could make GBP stablecoins ‘unattractive’

Aave founder warns U.K. rules could make GBP stablecoins ‘unattractive’

The post Aave founder warns U.K. rules could make GBP stablecoins ‘unattractive’ appeared on BitcoinEthereumNews.com. Key Takeaways Why is the U.K.’s new proposal bad for stablecoins?  Per Kulechov, the reserve model and holding restriction would repel issuers  What’s the status of pound-backed stablecoins? They rank 10th on the stablecoin market, and the proposal would do less to improve their standings.  The Founder of DeFi lending protocol Aave [AAVE], Stani Kulechov, has slammed the recent U.K. proposal to cap stablecoins at £20k and limit yield-bearing reserves to only 60%.  In an X post, Kulechov warned that if the country proceeds with the “misguided” plan, stablecoin issuers would likely give it a pass. He quipped,  “That (60% yielding assets) makes pound-backed stablecoins inefficient, uncompetitive, and unattractive compared with global alternatives.” For Kulechov, however, the plans could dent the pound-based stablecoin growth potential. He added,  “HM Treasury is likely to copy this approach, turning the UK into one of the least appealing places to issue a stablecoin. This is another misguided move by the Bank of England.”  Source: X GBP vs U.S dollar-backed stablecoins For comparison, the U.S. doesn’t limit the amount of reserve assets that are investable in yield-bearing products, such as T-bills. The only key prerequisite is a 1:1 backing for the issued stablecoin.  The business model is lucrative due to the yield. Tether, the USDT issuer, for example, has made $10B in YTD profits because of this viable model. About 77% of USDT reserves are parked in T-bills and cash equivalents.  Now, some players plan to lobby the U.K. government to relax the restrictions, perhaps to mirror the U.S. stance and remain attractive.  That said, the US dollar enjoys a massive moat due to its global reserve standing, as evidenced by its substantial foreign reserves.  The macro moat behind USD dominance According to the IMF, as of 2025, the USD controlled 58% of global foreign…

Author: BitcoinEthereumNews

2025/11/14

FDIC’s Bold New Guidelines Unveiled

FDIC’s Bold New Guidelines Unveiled

The post FDIC’s Bold New Guidelines Unveiled appeared on BitcoinEthereumNews.com. Are you curious about how your digital deposits could gain federal protection? The U.S. FDIC is making waves by preparing guidelines for tokenized deposit insurance, a move that could reshape the crypto landscape. This development highlights the growing recognition of blockchain’s role in finance while ensuring consumer safety. What Is Tokenized Deposit Insurance and Why Does It Matter? Tokenized deposit insurance refers to the FDIC’s plan to extend coverage to deposits moved onto blockchain networks. According to FDIC Commissioner Travis Hill, this step acknowledges that digitizing deposits doesn’t change their legal standing. Therefore, users can expect the same security as traditional bank accounts. How Do Tokenized Deposits Differ From Stablecoins? Many people confuse tokenized deposits with stablecoins, but they serve distinct purposes. Tokenized deposits represent insured claims on financial institutions, whereas stablecoins are typically backed by fiat reserves without deposit insurance. This key difference means tokenized deposit insurance offers a safer option for blockchain-based savings. Tokenized deposits are legal claims on banks Stablecoins lack federal insurance protection Blockchain technology enhances transaction efficiency What Benefits Does Tokenized Deposit Insurance Offer? The introduction of tokenized deposit insurance brings multiple advantages. First, it boosts trust in digital finance by providing familiar safeguards. Moreover, it encourages innovation by clarifying regulatory expectations. For instance, businesses can develop new products knowing deposits are protected. What Challenges Might Arise With These Guidelines? Implementing tokenized deposit insurance isn’t without hurdles. Regulators must address technical risks like smart contract vulnerabilities. Additionally, educating the public about these new protections will be crucial. However, the FDIC’s proactive approach signals a commitment to overcoming these obstacles. How Can You Prepare for This Change? As the FDIC refines its tokenized deposit insurance guidelines, staying informed is key. Follow official announcements and consult reliable sources. Also, consider how this shift might affect your digital…

Author: BitcoinEthereumNews

2025/11/14

A $0.035 Token Is Quickly Becoming the Next Big Crypto, Here’s Why

A $0.035 Token Is Quickly Becoming the Next Big Crypto, Here’s Why

There is a new crypto token which is catching attention among all trading groups and forums, it is priced at only $0.035. Shareholders are citing a quick pace in its pre-sale and a roadmap that appears to be prepared to go live. Most of the bigger coins are entangled in lateral designs, however, this new-found […]

Author: Cryptopolitan

2025/11/14

Threshold Upgrades tBTC Bridge for Enhanced Institutional Bitcoin DeFi Access

Threshold Upgrades tBTC Bridge for Enhanced Institutional Bitcoin DeFi Access

Crypto infrastructure platform Threshold has announced a significant upgrade to its tBTC bridge, aimed at attracting institutional investors to leverage their Bitcoin holdings within decentralized finance (DeFi) protocols. This new development simplifies the process of tokenizing Bitcoin, making it easier for large-scale investors to use their assets across multiple blockchains, thereby boosting liquidity and DeFi [...]

Author: Crypto Breaking News

2025/11/14

Avalanche Gets a New Yield Model With the Launch of SIERRA Token

Avalanche Gets a New Yield Model With the Launch of SIERRA Token

The post Avalanche Gets a New Yield Model With the Launch of SIERRA Token appeared on BitcoinEthereumNews.com. Altcoins Avalanche’s DeFi ecosystem just gained a new category of yield instrument. Sierra Protocol has released SIERRA, a token built to earn yield automatically through a shifting basket of assets — the first of its kind on the network. Instead of promising a fixed return or tracking a stable value, SIERRA operates more like a liquid, on-chain fund whose composition updates as market risks evolve. The project revealed the launch on Thursday, describing SIERRA as a bridge between traditional fixed-income products and decentralized liquidity pools. How SIERRA Works The token isn’t designed to hold a peg or mimic the behavior of a stablecoin. Instead, it’s supported by collateral that continuously generates yield. Once a user acquires SIERRA — either via the protocol’s application or by swapping USDC through LFJ, Avalanche’s main DEX — the token immediately begins accumulating returns. There are no staking steps, no lock periods, and no minimum balance requirements. What makes SIERRA different from earlier attempts at yield tokens is its backing structure: a blend of real-world financial instruments and DeFi lending markets. As conditions shift, the mix of these assets is recalibrated using Sierra’s internal risk models. SIERRA is available within the Avalanche ecosystem through the Sierra app and LFJ. Its structure is backed by reserves that generate yield and are dynamically adjusted through Sierra’s Risk Framework. pic.twitter.com/adrIWtQObH — Avalanche🔺 (@avax) November 13, 2025 Dynamic Reserves Rather Than Static Backing Sierra describes SIERRA as the first “Liquid Yield Token” whose reserves are actively managed rather than fixed. Its portfolio might include: U.S. Treasury money-market exposure Investment-grade financing instruments Lending positions on established protocols like Morpho, Aave, Euler, Pendle and Wildcat This dynamic approach contrasts with yield-bearing stablecoins, which remain pegged and often rely on a single category of backing assets. Users can monitor every shift in…

Author: BitcoinEthereumNews

2025/11/14

mXRP, a yield-based tokenized XRP product, has been extended to BNB Chain via Lista DAO.

mXRP, a yield-based tokenized XRP product, has been extended to BNB Chain via Lista DAO.

PANews reported on November 14th that, according to The Block, mXRP, a yield-generating tokenized XRP product developed by Midas in collaboration with Axelar developer Interop Labs, is expanding to the BNB Chain through integration with the lending protocol Lista DAO. This integration allows mXRP to be used as collateral on the Lista lending market, enabling holders to earn both the base yield of mXRP and additional DeFi rewards in liquidity pools and lending markets. This expansion extends mXRP's existing applications beyond the XRP Ledger and its Ethereum Virtual Machine (EVM) sidechain.

Author: PANews

2025/11/14

The Ultimate Guide To Luxury In-Store Gift Shopping Experiences In 2025

The Ultimate Guide To Luxury In-Store Gift Shopping Experiences In 2025

The post The Ultimate Guide To Luxury In-Store Gift Shopping Experiences In 2025 appeared on BitcoinEthereumNews.com. Forty Five Ten, Main Street, Dallas FORTY FIVE TEN In the world of high-end retail and ready-to-wear, few experiences rival the thrill of stepping into a meticulously curated boutique where fashion, art, and design converge with culture. This guide spotlights standout destinations across the U.S., each offering a unique blend of luxury shopping and immersive atmospheres. From Dallas’s art-infused flagship to New York City’s iconic department store, these spots elevate gift-giving with exclusive finds, one-of-a-kind purchases, and service of the highest order—perfect for the discerning shopper seeking something extraordinary. Forty Five Ten, 1615 Main Street, Dallas FORTY FIVE TEN Deemed, “Dallas’s cultural totem”, by the Business of Fashion, Forty Five Ten is the epitome of luxury and bespoke shopping — down to the final detail. “There’s no better season to shop in store than the holidays, because there’s an extra element of discovery. You might arrive in search of one thing and, after working with the right stylist, leave captivated by something entirely unexpected,” explained president Anne Wallach. Nestled in downtown Dallas, Forty Five Ten redefines luxury retail by blending fashion with art and design in a 37,000-square-foot space adorned with museum-quality pieces and custom furnishings. “As always, our edit celebrates artful, unique statements. We curate iconic houses— Saint Laurent, Miu Miu—alongside avant-garde designers such as Rick Owens, Junya Watanabe, and Comme des Garçons, and emerging names like Duran Lantink — whose boundary-pushing designs created major buzz this year.” The four-story building stands out in Downtown Dallas, as it’s flanked by the famous art installation by Tony Tasset —simply known as “Eye”— and iconic hotel, The Joule — passions of Dallas-based real estate developer, philanthropist, Academy Award-winning producer, and Tony-awarded nominated creator of the Broadway Musical &Juliet, Tim Headington. A haven for those who appreciate unconventional assortments, from emerging designers…

Author: BitcoinEthereumNews

2025/11/14

This new crypto could outperform Ripple and Polygon by 2026, experts explain

This new crypto could outperform Ripple and Polygon by 2026, experts explain

The post This new crypto could outperform Ripple and Polygon by 2026, experts explain appeared on BitcoinEthereumNews.com. Two of the most recognizable names in the altcoin market, Ripple (XRP) and Polygon (POL), have slowed down after years of anticipation. While they still hold strong positions, analysts say the next wave of growth might come from a developing DeFi crypto token that combines fresh technology with early-stage pricing. Many investors are now watching Mutuum Finance (MUTM) as a potential breakout candidate for 2026. Ripple (XRP) Ripple’s XRP trades around the $2.5 range and carries a multibillion-dollar market cap. Its size gives it stability, but also limits how quickly it can grow. XRP faces strong resistance zones near its recent highs, where price attempts have repeatedly stalled. The token has struggled to break above key levels due to ongoing uncertainty around regulatory narratives and slow ecosystem expansion. Analysts tracking XRP’s chart point out heavy resistance clusters and lower breakout momentum. That has led some long-term holders to search for what crypto to buy now with higher upside potential. XRP has established staying power, but that also means its biggest gains may already be behind it. Polygon (POL) Polygon (MATIC/POL) is trading near $0.20 with a market cap of around $2.8 billion. It once surged in popularity during earlier bull cycles thanks to low fees and fast transactions. But its price has been unable to reclaim its previous highs. Major resistance sits far above current levels, including zones between $0.35–$0.58, where repeated attempts to move higher have failed. Polygon’s size and competition in the Layer-2 space are major limitations. With billions of tokens in circulation and strong rivals in the scaling sector, analysts warn the token might remain stuck in consolidation. This chart structure is pushing some early POL holders to explore new opportunities with larger growth potential. Mutuum Finance (MUTM) Mutuum Finance (MUTM) is developing a decentralized lending platform…

Author: BitcoinEthereumNews

2025/11/14

Revolutionary Tokenized Deposit Insurance: FDIC’s Bold New Guidelines Unveiled

Revolutionary Tokenized Deposit Insurance: FDIC’s Bold New Guidelines Unveiled

BitcoinWorld Revolutionary Tokenized Deposit Insurance: FDIC’s Bold New Guidelines Unveiled Are you curious about how your digital deposits could gain federal protection? The U.S. FDIC is making waves by preparing guidelines for tokenized deposit insurance, a move that could reshape the crypto landscape. This development highlights the growing recognition of blockchain’s role in finance while ensuring consumer safety. What Is Tokenized Deposit Insurance and Why Does It Matter? Tokenized deposit insurance refers to the FDIC’s plan to extend coverage to deposits moved onto blockchain networks. According to FDIC Commissioner Travis Hill, this step acknowledges that digitizing deposits doesn’t change their legal standing. Therefore, users can expect the same security as traditional bank accounts. How Do Tokenized Deposits Differ From Stablecoins? Many people confuse tokenized deposits with stablecoins, but they serve distinct purposes. Tokenized deposits represent insured claims on financial institutions, whereas stablecoins are typically backed by fiat reserves without deposit insurance. This key difference means tokenized deposit insurance offers a safer option for blockchain-based savings. Tokenized deposits are legal claims on banks Stablecoins lack federal insurance protection Blockchain technology enhances transaction efficiency What Benefits Does Tokenized Deposit Insurance Offer? The introduction of tokenized deposit insurance brings multiple advantages. First, it boosts trust in digital finance by providing familiar safeguards. Moreover, it encourages innovation by clarifying regulatory expectations. For instance, businesses can develop new products knowing deposits are protected. What Challenges Might Arise With These Guidelines? Implementing tokenized deposit insurance isn’t without hurdles. Regulators must address technical risks like smart contract vulnerabilities. Additionally, educating the public about these new protections will be crucial. However, the FDIC’s proactive approach signals a commitment to overcoming these obstacles. How Can You Prepare for This Change? As the FDIC refines its tokenized deposit insurance guidelines, staying informed is key. Follow official announcements and consult reliable sources. Also, consider how this shift might affect your digital asset strategy. Embracing these changes early could position you for success in the evolving financial ecosystem. Conclusion: A Secure Future for Digital Finance The FDIC’s move to insure tokenized deposits marks a pivotal moment for crypto adoption. By blending traditional safeguards with blockchain innovation, tokenized deposit insurance paves the way for broader acceptance. This initiative not only protects consumers but also legitimizes digital assets in the mainstream economy. Frequently Asked Questions What is tokenized deposit insurance?It’s FDIC coverage for deposits stored on blockchain, ensuring they’re protected like regular bank accounts. How does tokenized deposit insurance differ from bank insurance?It applies the same insurance rules to blockchain-based deposits, offering identical protection through a digital format. Are tokenized deposits safer than stablecoins?Yes, because they come with FDIC insurance, which stablecoins generally lack, making them more secure for holders. When will these guidelines take effect?The FDIC is still preparing them, so no specific date is set, but updates are expected soon. Can individuals access tokenized deposit insurance now?Not yet, as guidelines are in development, but once finalized, users will need to use compliant services. Will this affect crypto regulation broadly?Yes, it sets a precedent for integrating traditional financial protections into the crypto space, influencing future rules. If you found this insight into tokenized deposit insurance helpful, share this article on social media to spread the word about these exciting developments! To learn more about the latest crypto regulation trends, explore our article on key developments shaping blockchain institutional adoption. This post Revolutionary Tokenized Deposit Insurance: FDIC’s Bold New Guidelines Unveiled first appeared on BitcoinWorld.

Author: Coinstats

2025/11/14

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