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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.

15348 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
21bitcoin Launches Europe’s First Pilot Bitcoin-Backed Lending Product

21bitcoin Launches Europe’s First Pilot Bitcoin-Backed Lending Product

The post 21bitcoin Launches Europe’s First Pilot Bitcoin-Backed Lending Product appeared on BitcoinEthereumNews.com. Bitcoin Magazine 21bitcoin Launches Europe’s First Pilot Bitcoin-Backed Lending Product Austrian Bitcoin platform 21bitcoin has teamed up with VR Bank Bayern Mitte eG and Sopra Financial Technology GmbH to launch a pioneering European pilot project in hopes to develop an institutional-grade Bitcoin-backed credit product. The project hopes to enable banks and financial service providers to offer regulated lending solutions that are backed by Bitcoin. By creating a fully compliant ‘white-label product,’ the consortium is positioning Bitcoin as a mainstream, regulated asset class within the European financial industry, according to a note shared with Bitcoin Magazine.  “Our goal is to make Bitcoin accessible and useful for everyone,” said Daniel Winklhammer, CEO of 21bitcoin. “Together with our strong partners, we are developing Europe’s first institutional-grade Bitcoin credit product — secure, transparent, and made for the people of Europe.” Through the collaboration, 21bitcoin assumes a central role in customer experience, custody, and transaction processing, ensuring full compliance with existing regulations as well as the upcoming Markets in Crypto-Assets Regulation (MiCAR).  Unlike conventional loans, this solution allows customers to unlock liquidity from their digital assets without having to sell them, retaining exposure to Bitcoin’s price potential while gaining access to funds. In other words, through the product, customers can get cash while keeping their Bitcoin investments. The loan system will follow all European rules and regulations, making it safe and secure. Banks and financial services will also be able to offer it as a white-label solution under their own brand.  The company made it clear last year that it wants to become the first bitcoin-only company in Europe to obtain a MiCAR (Markets in Crypto-Assets Regulation) license, allowing it to operate across the EU under unified crypto regulations. Backed by strong 2023 growth and a strategic partnership with Volksbank Raiffeisenbank Bayern Mitte, 21bitcoin is…

Author: BitcoinEthereumNews

2025/10/21

Ripple-Absa Partnership Fails to Stop XRP from Crashing as Mutuum Finance (MUTM) Is Named the Top Crypto to Buy

Ripple-Absa Partnership Fails to Stop XRP from Crashing as Mutuum Finance (MUTM) Is Named the Top Crypto to Buy

The post Ripple-Absa Partnership Fails to Stop XRP from Crashing as Mutuum Finance (MUTM) Is Named the Top Crypto to Buy appeared on BitcoinEthereumNews.com. Despite Ripple’s high-profile partnership with Absa Bank, XRP has failed to maintain momentum, slipping as traders react to broader market weakness. The partnership, aimed at expanding blockchain-based payment solutions across Africa, hasn’t been enough to offset bearish sentiment that’s gripped the token in recent weeks. As XRP struggles to hold key support levels, investors are quickly rotating toward emerging assets showing stronger fundamentals and growth potential.  One such standout is Mutuum Finance (MUTM), which analysts are calling the top crypto to buy during this market cycle. Currently priced at $0.035 in Phase 6 of its presale, over 70% of tokens in this phase already been sold. MUTM’s innovative dual-lending model, combining Peer-to-Peer and Peer-to-Contract lending, is fueling growing investor confidence. As capital flows away from stagnating large-cap coins, traders seeking the best crypto to buy now are increasingly turning to Mutuum Finance as the next big DeFi contender poised for breakout growth. Ripple-Absa Joint Venture Unable to Prevent XRP from Declining  The downtrend of XRP persists even though Ripple just obtained a partnership with Absa Bank to develop crypto custody solutions in South Africa through the institution-grade XRPL infrastructure. The joint venture was supposed to instill some optimism on the future of XRP, but the token is still under intense selling pressure as market volatility surges and the bulls cannot regain control.  To add to the bearishness, retail participation has lost traction with futures Open Interest decreasing, which indicates declining interest among short-term traders. Although the partnership adds to Ripple’s focus on institutional blockchain adoption, it has yet to manifest as near-term price stability.  While the XRP momentum reduces, investors turn more and more to the wider market for fresh and exciting prospects with greater resilience, and the trend has generated growing interest in new projects on the horizon such…

Author: BitcoinEthereumNews

2025/10/21

BlockchainFX Surges Past $9.5m as Polkadot and Cardano Face Growth Crossroads After Market Crash Last Week

BlockchainFX Surges Past $9.5m as Polkadot and Cardano Face Growth Crossroads After Market Crash Last Week

As they navigate scaling challenges and adoption plateaus, BlockchainFX ($BFX) is gaining renewed attention. With its presale price now at […] The post BlockchainFX Surges Past $9.5m as Polkadot and Cardano Face Growth Crossroads After Market Crash Last Week appeared first on Coindoo.

Author: Coindoo

2025/10/20

Dogecoin (DOGE) Holders Are Shifting to This New Crypto With Real Utility

Dogecoin (DOGE) Holders Are Shifting to This New Crypto With Real Utility

As the cryptocurrency market grows, investors are increasingly seeking projects that offer tangible utility beyond the speculative nature of meme coins like Dogecoin (DOGE). While DOGE continues to maintain a strong community presence, its reliance on social media trends and celebrity endorsements has led to periods of stagnation and heightened volatility. In contrast, Mutuum Finance […]

Author: Cryptopolitan

2025/10/20

Wall Street Bank Citi (C) Sees Stablecoins Powering Crypto’s Next Growth Phase

Wall Street Bank Citi (C) Sees Stablecoins Powering Crypto’s Next Growth Phase

The post Wall Street Bank Citi (C) Sees Stablecoins Powering Crypto’s Next Growth Phase appeared on BitcoinEthereumNews.com. Citi (C) said stablecoins have climbed in step with the wider crypto market since the GENIUS Act passed in July, prompting its analysts to lift their 2030 market cap outlook to $1.9 trillion last month. Stablecoins remain primarily an on-ramp to crypto and have consistently accounted for 5%–10% of total market capitalization, the bank said in the report on Friday. The bank’s analysts expect near-term growth to move in step with the broader digital asset market. Stablecoins are cryptocurrencies whose value is tied to another asset, such as the U.S. dollar or gold. They play a major role in cryptocurrency markets, providing a payment infrastructure, and are also used to transfer money internationally. Tether’s USDT is the largest stablecoin, followed by Circle’s USDC. Citi argued that the effect on bank deposits will likely be modest. While funding costs and lending appetites could shift, the report drew a parallel to the rise of money market funds in the 1980s, which did not significantly disrupt overall lending. The stablecoin boom has revived activity on the Ethereum blockchain, but the analysts warned this dominance could fade as issuers develop their own networks. Network effects could sustain the blockchain’s position for now, but it’s no longer guaranteed. The bank sees the main driver of stablecoin adoption as their “store of value” role in emerging markets facing inflation or weak institutions. That could fuel further demand for dollar assets but may also trigger policy responses to limit dollarization. Payments, by contrast, remain a niche use case with mostly small transactions. The dollar continues to dominate the market, though euro-denominated stablecoins are gaining from a small base. New rules in Hong Kong highlight how regulation outside the U.S. could reshape the landscape, the report said. Read more: Stablecoins Surge to Record $314B Market Cap as Institutional…

Author: BitcoinEthereumNews

2025/10/20

Brian Armstrong Says Crypto Is for Everyone, Not Just the Wealthy

Brian Armstrong Says Crypto Is for Everyone, Not Just the Wealthy

TLDR Brian Armstrong said that crypto is accessible to everyone regardless of income level. He explained that people can start using crypto with just a few dollars and an internet connection. Armstrong stated that decentralized finance helps people manage money even without a bank account. He confirmed that Coinbase is creating easy-to-use products to support [...] The post Brian Armstrong Says Crypto Is for Everyone, Not Just the Wealthy appeared first on CoinCentral.

Author: Coincentral

2025/10/20

Ripple CEO Reveals What People Get Wrong About XRP

Ripple CEO Reveals What People Get Wrong About XRP

Ripple CEO Brad Garlinghouse clarified that his company is different from XRP, while Paydax Protocol (PDP) is generating a lot of buzz in the crypto space.

Author: Cryptodaily

2025/10/20

Milk & Mocha’s $HUGS Token: Why It’s the Safest Meme Coin to Buy in 2025

Milk & Mocha’s $HUGS Token: Why It’s the Safest Meme Coin to Buy in 2025

As the crypto market matures, investors are becoming more discerning. Gone are the days when meme coins could thrive purely on hype; the new generation of community tokens must deliver transparency, accountability, and genuine utility. In 2025, one project is setting the benchmark for what a trustworthy meme token should look like: Milk & Mocha’s [...] The post Milk & Mocha’s $HUGS Token: Why It’s the Safest Meme Coin to Buy in 2025 appeared first on Blockonomi.

Author: Blockonomi

2025/10/20

Why ADA and Mutuum Finance Are The Top Cryptos To Buy As Cardano Money Inflows Hit 3-Month High

Why ADA and Mutuum Finance Are The Top Cryptos To Buy As Cardano Money Inflows Hit 3-Month High

Investor inflows into Cardano have surged to a three-month peak, even while ADA price hovers near $0.60 amid consolidation patterns. This capital rush, tracked by the Chaikin Money Flow indicator at its highest since July, has signaled accumulation phases that historically sparked rebounds.  Whales offloaded 180 million tokens worth over $120 million recently, yet retail [...] The post Why ADA and Mutuum Finance Are The Top Cryptos To Buy As Cardano Money Inflows Hit 3-Month High appeared first on Blockonomi.

Author: Blockonomi

2025/10/20

DeFi Protocol Mutuum Finance (MUTM) Sets Stage for Q4 2025 V1 Launch With Over $17.6M Raised

DeFi Protocol Mutuum Finance (MUTM) Sets Stage for Q4 2025 V1 Launch With Over $17.6M Raised

Mutuum Finance (MUTM) is a decentralized lending and borrowing protocol. It has raised more than $17.6 million in its ongoing presale. The protocol is scheduled for a Sepolia testnet rollout in Q4 2025.

Author: Hackernoon

2025/10/20

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