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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.

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Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
PBOC sets USD/CNY reference rate at 7.0949 vs. 7.0968 previous

PBOC sets USD/CNY reference rate at 7.0949 vs. 7.0968 previous

The post PBOC sets USD/CNY reference rate at 7.0949 vs. 7.0968 previous appeared on BitcoinEthereumNews.com. On Friday, the People’s Bank of China (PBOC) set the USD/CNY central rate for the trading session ahead at 7.0949 compared to the previous day’s fix of 7.0968 and 7.1154 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-70949-vs-70968-previous-202510170115

Author: BitcoinEthereumNews

2025/10/17

Trump’s Crypto Empire Surpasses $1B as Family Profits From Memecoins

Trump’s Crypto Empire Surpasses $1B as Family Profits From Memecoins

The post Trump’s Crypto Empire Surpasses $1B as Family Profits From Memecoins appeared on BitcoinEthereumNews.com. US President Donald Trump’s second term in office has coincided with an extraordinary increase in his personal wealth, much of it linked to a sprawling cryptocurrency empire built by the president and his family. According to a Financial Times investigation, Trump’s crypto ventures have generated more than $1 billion in pre-tax profit over the past year. Trump’s son, Eric, confirmed to the outlet that the family’s actual profits were “probably more.” At the center of this new fortune is World Liberty Financial, a crypto company founded by Trump’s sons and allies, which has sold billions of dollars in tokens and stablecoins. The project, whose website identifies President Donald Trump as “co-founder emeritus,” launched last year with plans for a crypto-lending app.  In June, Trump disclosed $57.4 million in income from his involvement with World Liberty Financial. Last month, the Trump family’s stake in the project surged to $5 billion after a token unlock. The FT estimates the family has earned $550 million from WLFI this year. Trump family launches memecoins The Trump family has also profited from memecoins like Official Trump (TRUMP) and Official Melania Meme (MELANIA), which collectively brought in hundreds of millions of dollars through sales and trading fees. Related: Trump confirms US is in a trade war with China Per the FT report, the TRUMP memecoin has brought the family $362 million in profit, while MELANIA has made $65 million. Notably, the TRUMP memecoin is down by more than 90% from its all-time high, while MELANIA has performed even worse, down more than 99% from its high. Finally, the Trump family bagged $42 million from USD1, the stablecoin issued by World Liberty. Since its launch in early April, the Trump family-backed stablecoin has become the world’s fifth-largest stablecoin with a market cap of $2.68 billion, according to CoinMarketCap. Trump…

Author: BitcoinEthereumNews

2025/10/17

Stablecoins Power $670 Billion in Onchain Loans: Visa

Stablecoins Power $670 Billion in Onchain Loans: Visa

The post Stablecoins Power $670 Billion in Onchain Loans: Visa appeared on BitcoinEthereumNews.com. With new U.S. stablecoin rules in place, Visa says banks are starting to explore blockchain-based lending markets. Stablecoins are expanding beyond payments and trading, according to a new report from Visa, which found that more than $670 billion in loans have been issued through on-chain lending platforms over the past five years. Cumulative Onchain Lending Volume Visa said monthly on-chain lending volumes reached $51.7 billion in August 2025, with over 81,000 active borrowers and an average loan size of $76,000. The average borrowing rate from September 2024 to August 2025 was about 6.7%, similar to traditional credit markets. The report highlights that stablecoins are no longer just used for trading or payments. They are now playing a larger role in lending, as banks and financial firms explore how blockchain can speed up and improve the efficiency of borrowing and lending. The total stablecoin market is now valued at about $307 billion, and the two largest stablecoins, Circle’s USDC ($76 billion market cap) and Tether’s USDT ($181 billion market cap), make up more than 98% of all stablecoin lending activity, according to Visa. Monthly Onchain Lending Volume Across blockchains, most lending occurred on Ethereum and Polygon (85% of the market in August 2025), while Base, Arbitrum, and Solana made up just 11%. Regarding on-chain protocol lending, Aave, which has a total value locked (TVL) of $40 billion, and Compound, which has a TVL of $2.6 billion, accounted for 89% of lending volume. “What makes stablecoins unique is their position at the intersection of three massive markets: payments, lending and capital markets,” the report reads. “While clear opportunities exist for stablecoins within the existing payments ecosystem, they are uniquely positioned to drive even greater transformation in the global modernization and automation of lending and capital markets.” The report also highlighted platforms like…

Author: BitcoinEthereumNews

2025/10/17

Ethereum Price Prediction and Crypto News: ETH-Based DeFi Token Mutuum Finance (MUTM) Emerges as the Top Crypto of 2025

Ethereum Price Prediction and Crypto News: ETH-Based DeFi Token Mutuum Finance (MUTM) Emerges as the Top Crypto of 2025

In top crypto news today, Ethereum (ETH) remains at the forefront of headlines with investors projecting strong recovery in Q4 through renewed action in the DeFi market and expansion in the area of layer-2 in 2025. But though Ethereum’s long-term fundamentals remain solid, new Ethereum-built DeFi project Mutuum Finance (MUTM) is fast becoming a top crypto to invest in this year.  In phase 6 presale, the project is valued at $0.035 and already sold out more than 65%. Mutuum Finance has already generated $17.4 million in funds and gained over 17,200 investors. Its expanding network and utility-focused model have experts terming it the next big DeFi phenomenon on Ethereum, and possibly one of the standout performers in 2025 across the altcoin space. Ethereum Price Prediction: ETH Bounces Back Towards $4,500 as Bulls Maintain Momentum After temporarily dropping below the $3,800 mark, Ethereum (ETH) is showing a solid reversal signal, popping back above $4,150 and closing out the key bearish trend line at about $4,100. The action also took ETH through the 50% Fibonacci retracement of the $4,758 top and $3,423 low, which suggests newfound momentum to the upside within the marketplace.  Primary upside targets in this situation lie at $4,250, then $4,320, and potentially a breakout to the $4,400–$4,500 region, levels which may bolster broader investor confidence. A reversal at $4,250 may, on the other hand, begin the short-term correction back into $4,120–$4,100 region with deeper support near $4,020 and $3,950. Although speculative traders remain focused upon Ethereum’s technical recovery, long-term investors also eye new projects within the burgeoning DeFi space such as Mutuum Finance (MUTM), which suggests capital again is going into innovation throughout the Ethereum network. Mutuum Finance Attracting Greater Presale Hype Mutuum Finance (MUTM) continues to trend in the DeFi sector and headlines in crypto news with strong interest building among investors. The sixth presale phase of the project is already 65% subscribed, which indicates strong market momentum. Over 17,200 investors have invested $17.4 million in total so far, both all-time highs for MUTM, which highlights the continually growing global appetite for its long-term decentralized finance vision and ecosystem. Mutuum Finance is a top crypto to buy today. During its recent development update, Mutuum Finance announced it would be launching its lending and borrowing protocol in the near term, another significant move in the expansion of its decentralized architecture. The platform’s Version 1 (V1) is set to launch on the Sepolia Testnet in Q4 2025. The Initial Release would see it launch with a solid set of DeFi building blocks such as liquidity pools, mtTokens, debt tokens, and liquidator bot which all combined will be used in the development of the comprehensive, efficient, and scalable decentralized finance infrastructure. Mutuum Finance Leaderboard Sparks Investor Interest The Mutuum Finance leaderboard is fueling a wave of excitement among investors with its daily competition and reward system. Over the last 24 hours, the top five investors have collectively purchased $8,860, $8,339, $1,187, $949, and $408 worth of MUTM tokens respectively, a clear sign of the community’s growing enthusiasm and engagement in the ongoing presale. Each member who asserts the top spot receives on a daily basis a $500 MUTM token reward aiming at acknowledging regularity, dedication, and active involvement. To be eligible for the prize, users must undertake at least one transaction in the course of 24 hours. MUTM has drawn $17.4 million in funds across over 17,200 investors in Phase 6, which is currently 65% sold out. Record-highest daily purchases of $8,860 and $8,339 signal strong momentum and community engagement. With its lending/borrowing protocol coming soon, MUTM encapsulates innovation, scalability, and DeFi utility in one package as a top crypto to buy in 2025. Get your tokens now and be among the beneficiaries of the next Ethereum-based DeFi explosion. For more information regarding Mutuum Finance (MUTM) please use the following links: Website: https://mutuum.com/ Linktree: https://linktr.ee/mutuumfinance

Author: Coinstats

2025/10/17

Why Direct Lending Is Not In A Bubble

Why Direct Lending Is Not In A Bubble

The post Why Direct Lending Is Not In A Bubble appeared on BitcoinEthereumNews.com. Lawrence Golub (left) speaks on stage at the Forbes/Shook Top Advisor Summit in Las Vegas. Santa Barbara Photography Lawrence Golub, billionaire founder and CEO of private credit firm Golub Capital, emphatically dismissed fears that the rapid growth of private credit, specifically direct lending, is leading to a bubble. Speaking at the ninth annual Forbes/SHOOK Top Advisor Summit in Las Vegas, NV, on Thursday, Golub argued that direct lending continues to offer investors superior risk-adjusted returns and acts as a necessary hedging tool for traditional 60/40 portfolios with stocks and bonds. “It’s for sure not a bubble,” he said to a room full of financial advisors. Golub asserted that an allocation to private credit and direct lending improves the risk-adjusted return of a traditional 60/40 portfolio: “The returns from direct lending across decades are often better than half of private equity funds.” Golub’s comments were delivered at a time when private credit business has come under scrutiny thanks to the bankruptcy filing of Ohio auto parts conglomerate First Brands, which binged on off balance-sheet direct loans, and currently owes creditors including Jefferies, UBS and Nomura, at least $10 billion. Golub—who has a net worth of $3.3 billion, according to Forbes—founded his New York City-based company in 1994 originally as a buyout firm, but after the 2000 dotcom bust he switched its strategy to lending; Today, the firm has roughly $80 billion in assets under management. While acknowledging that private equity firms haven’t been giving money back to investors as quickly as some expected, he argued the asset class’s overall tarnished reputation is “overdone.” He stressed that premium returns continue for firms that act as skilled operators rather than just passive investors, bringing an information advantage over public markets: “Unlike traditional public market investments, there is persistence of manager performance over time…

Author: BitcoinEthereumNews

2025/10/17

All The Details Of SEVENTEEN’s New Documentary

All The Details Of SEVENTEEN’s New Documentary

The post All The Details Of SEVENTEEN’s New Documentary appeared on BitcoinEthereumNews.com. SEOUL, SOUTH KOREA – MAY 27: SEVENTEEN attends SEVENTEEN’s 4th Album ‘Face the Sun’ Release Press Conference at Conrad Seoul Grand Ballroom on May 27, 2022 in Seoul, South Korea. (Photo by The Chosunilbo JNS/Imazins via Getty Images) ImaZins via Getty Images K-Pop group SEVENTEEN announced this week that they will release s new documentary titled Seventeen: Our Chapter. The documentary, which will be in four parts, has a confirmed release date of November 7, and will be available on Disney Plus worldwide. According to label Pledis Entertainment (now a subsidiary of HYBE), the series will focus on their first 10 years as a group. What to Expect: Themes and Episodes Seventeen: Our Chapter will chronicle key landmarks in SEVENTEEN’s career, including their ‘Right Here’ world tour, the ‘Seventeen in Carat Land’ fan meeting, and the production of their fifth studio album, Happy Burstday. The documentary will also showcase candid reflections on the group’s self-producing ethos, internal struggles, and relationships with their fanbase, known as CARATs. Episodes will roll out weekly, with the first installment on November 7 followed by installments on November 14, 21, and 28 (KST). The Group Behind The Story SEVENTEEN debuted in May 2015, as a 13-member boy band: S.Coups, Joshua, Jeonghan, Mingyu, Jun, Hoshi, Wonwoo, Woozi, DK, The8, Seungkwan, Vernon, and Dino. From the start, they distinguished themselves as a “self-producing idol” group: writing, choreographing, and producing much of their output internally. Over the years, they’ve released multiple albums, led global tours, and maintained a robust video and content archive. Their 2025 album Happy Burstday celebrated their tenth anniversary and features the participation of all members. In parallel, the group is now conducting their ‘New World’ Tour, even as two members (Woozi and Hoshi) have begun their mandatory military service. SEOUL, SOUTH KOREA – JUNE…

Author: BitcoinEthereumNews

2025/10/17

More People Will Use Crypto in Next 10 Years

More People Will Use Crypto in Next 10 Years

The post More People Will Use Crypto in Next 10 Years appeared on BitcoinEthereumNews.com. Key Highlights Coinbase CEO believes that the cryptocurrency market will see huge growth in the next 10 years. He said that more people will use crypto, but they may not know they’re using crypto.. However, he mentioned that current complexities are hindering the crypto’s adoption.  On October 16, Brian Armstrong, CEO of Coinbase, expressed his optimism in the adoption of cryptocurrency in the latest post on X (formerly Twitter), saying, “In 10 years, many more people will use crypto, but they may not know they’re using crypto.” That’s why DEX trading, crypto-backed loans, and DeFi lending on Coinbase are cool. You get the benefits of operating onchain, without the complexity. Over time user experience will keep improving, and more layers of complexity will disappear. — Brian Armstrong (@brian_armstrong) October 16, 2025 According to Brian Armstrong, the cryptocurrency market is currently facing a major hurdle in its expansion in the form of the complexity associated with it. However, he believes that more layers of complexity will disappear in the long run, which will enhance user experience.  “That’s why DEX trading, crypto-backed loans, and DeFi lending on Coinbase are cool. You get the benefits of operating on-chain, without the complexity,” Coinbase CEO said.  Coinbase CEO Expects Explosive Growth in Crypto Sector According to Future Market Insights, the crypto market is projected to be valued at $3.7 billion in 2025 and is projected to reach $12.1 billion by 2035 with a compound annual growth rate (CAGR) of 12.6%. Coinbase CEO In 2025, the cryptocurrency market witnessed a major change after U.S. President Donald Trump created a friendly regulatory environment for innovations. The skepticism major banks once held toward cryptocurrency has gradually vanished.  Also, the formation of new regulations like the U.S. GENIUS Act and Europe’s MiCA framework has provided the much-needed regulatory clarity…

Author: BitcoinEthereumNews

2025/10/17

Vietnam’s Credit Boom Could Ignite the Next Crypto Surge

Vietnam’s Credit Boom Could Ignite the Next Crypto Surge

The post Vietnam’s Credit Boom Could Ignite the Next Crypto Surge appeared on BitcoinEthereumNews.com. This year, Vietnam is experiencing substantial credit growth. The country’s central bank actively encourages this trend through supportive, low-interest-rate policies. Given Vietnam’s top global digital asset market status, experts anticipate these favorable conditions will fuel the sector. Increased investment flexibility and a growing risk appetite are expected to boost liquidity in crypto significantly. Sponsored Sponsored Central Bank Boosts Credit Target Authorities in Vietnam have demonstrated a sustained policy focus on stimulating the economy through favorable monetary conditions for consumers.  The State Bank of Vietnam (SBV) recently raised the credit limit for commercial banks and directed them to reduce lending rates. This move was partially taken to meet the ambitious national gross domestic product expansion goals. Earlier this month, the central bank announced it expects credit to increase by 19% to 20% this year. This aggressive push has already resulted in significant growth. Officials from the SBV have explicitly acknowledged that this liquidity injection will influence the flow of capital into riskier assets. The country’s digital assets market is poised to benefit significantly under this environment.  Sponsored Sponsored The Nation’s Digital Assets Momentum Vietnam is one of the world’s fastest-growing digital assets hubs. The country consistently ranks among the top globally for grassroots crypto adoption. Today, a significant percentage of its population owns digital assets or trades crypto. The proactive development of a legal framework strongly supports the industry’s rising momentum. In a landmark move, Vietnam’s National Assembly approved the Law on Digital Technology Industry in June, formally recognizing digital assets as a type of property. 🌍 Top 10 countries driving global crypto adoption in 2025 ⬇️ 1️⃣ India 🇮🇳2️⃣ United States 🇺🇸3️⃣ Pakistan 🇵🇰4️⃣ Vietnam 🇻🇳5️⃣ Brazil 🇧🇷6️⃣ Nigeria 🇳🇬7️⃣ Indonesia 🇮🇩8️⃣ Ukraine 🇺🇦9️⃣ Philippines 🇵🇭🔟 Russia 🇷🇺 pic.twitter.com/SpMFmprR2q — CryptoCrunchApp (@CryptoCrunchApp) September 16, 2025 To bolster this shift, the government…

Author: BitcoinEthereumNews

2025/10/17

Daylight’s $75M Raise Could Scale Home Solar-and-Storage Network, Drawing Interest From Ethereum Ecosystem Investors

Daylight’s $75M Raise Could Scale Home Solar-and-Storage Network, Drawing Interest From Ethereum Ecosystem Investors

The post Daylight’s $75M Raise Could Scale Home Solar-and-Storage Network, Drawing Interest From Ethereum Ecosystem Investors appeared on BitcoinEthereumNews.com. COINOTAG recommends • Exchange signup 💹 Trade with pro tools Fast execution, robust charts, clean risk controls. 👉 Open account → COINOTAG recommends • Exchange signup 🚀 Smooth orders, clear control Advanced order types and market depth in one view. 👉 Create account → COINOTAG recommends • Exchange signup 📈 Clarity in volatile markets Plan entries & exits, manage positions with discipline. 👉 Sign up → COINOTAG recommends • Exchange signup ⚡ Speed, depth, reliability Execute confidently when timing matters. 👉 Open account → COINOTAG recommends • Exchange signup 🧭 A focused workflow for traders Alerts, watchlists, and a repeatable process. 👉 Get started → COINOTAG recommends • Exchange signup ✅ Data‑driven decisions Focus on process—not noise. 👉 Sign up → Daylight Energy raises $75M to scale a crypto-powered residential solar and battery network, funding installations and launching DayFi to let investors earn yield from electricity revenues while homeowners get backup power, lower bills, and rewards for excess energy. Daylight raised $75 million to finance home solar + storage rollouts via equity and project finance. DayFi will let crypto investors earn yield tied to electricity revenues from distributed assets. Funding split: $15M equity (Framework Ventures, a16z Crypto, Coinbase Ventures, Lerer Hippeau) and $60M project facility led by Turtle Hill Capital. Daylight Energy raises $75M to fund home solar and batteries, unlocking DayFi yields for investors and lower bills for homeowners — read the details and next steps. Daylight raises $75M to give homeowners solar and battery storage with no upfront cost, ensuring backup power & lower utility bills. COINOTAG recommends • Professional traders group 💎 Join a professional trading community Work with senior traders, research‑backed setups, and risk‑first frameworks. 👉 Join the group → COINOTAG recommends • Professional traders group 📊 Transparent performance, real process Spot strategies with documented months…

Author: BitcoinEthereumNews

2025/10/17

Vietnam Experiences a Boom in Credit Growth: What Does This Mean for Crypto?

Vietnam Experiences a Boom in Credit Growth: What Does This Mean for Crypto?

This year, Vietnam is experiencing substantial credit growth. The country’s central bank actively encourages this trend through supportive, low-interest-rate policies. Given Vietnam’s top global digital asset market status, experts anticipate these favorable conditions will fuel the sector. Increased investment flexibility and a growing risk appetite are expected to boost liquidity in crypto significantly. Central Bank Boosts Credit Target Authorities in Vietnam have demonstrated a sustained policy focus on stimulating the economy through favorable monetary conditions for consumers.  The State Bank of Vietnam (SBV) recently raised the credit limit for commercial banks and directed them to reduce lending rates. This move was partially taken to meet the ambitious national gross domestic product expansion goals. Earlier this month, the central bank announced it expects credit to increase by 19% to 20% this year. This aggressive push has already resulted in significant growth. Officials from the SBV have explicitly acknowledged that this liquidity injection will influence the flow of capital into riskier assets. The country’s digital assets market is poised to benefit significantly under this environment.  The Nation’s Digital Assets Momentum Vietnam is one of the world’s fastest-growing digital assets hubs. The country consistently ranks among the top globally for grassroots crypto adoption. Today, a significant percentage of its population owns digital assets or trades crypto. The proactive development of a legal framework strongly supports the industry’s rising momentum. In a landmark move, Vietnam’s National Assembly approved the Law on Digital Technology Industry in June, formally recognizing digital assets as a type of property. To bolster this shift, the government launched a five-year pilot program to create a regulated digital asset market. The country’s demographics partly drive this policy move, as high crypto adoption among Vietnam’s young, tech-savvy population heavily powers the industry. Meanwhile, the country’s near-zero income tax on the gross value of crypto transactions proves highly favorable for high-frequency traders.  Given the greater context, the government’s current economic focus will further benefit the expanding sector. The eased conditions will create a risk-on environment, which is expected to boost crypto activity further. That said, the government has also recently implemented stricter oversight to safeguard investors. In a recent move to structure the market, the Ministry of Finance disclosed its plan to restrict the number of licensed trading platforms significantly.  The new framework would allow only a maximum of five exchanges to operate concurrently as part of the country’s pilot program. While some criticized the government’s move to tighten regulations, others have celebrated it as a needed measure to increase consumer protection.

Author: Coinstats

2025/10/17

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