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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
DeFi protocol Mutuum Finance sells over 750m tokens

DeFi protocol Mutuum Finance sells over 750m tokens

Mutuum Finance builds momentum ahead of its token launch, which could signal positive DeFi potential for 2025. Mutuum Finance (MUTM) is quickly gaining traction as one of the DeFi projects to keep an eye on in 2025. Rather than relying…

Author: Crypto.news

2025/10/09

P. Moss Takes Readers Behind The Fictional Velvet Curtain Of 1960s Vegas

P. Moss Takes Readers Behind The Fictional Velvet Curtain Of 1960s Vegas

The post P. Moss Takes Readers Behind The Fictional Velvet Curtain Of 1960s Vegas appeared on BitcoinEthereumNews.com. P. Moss is a legendary bar owner and the author of twisted/crime fiction. His latest title is “Screwing Sinatra,” his tale of Frank Sinatra and other recognizable names. Ginger Bruner Surviving Sinatra could describe P. Moss himself. With a career worthy of a Ryan Murphy, Shonda Rhimes, or David E. Kelley series, the bar owner, author, entrepreneur, and musician has lived a life as vivid, quirky, and unpredictable as the characters — and chaos — he writes about. Best known for his legendary dive bars — the Double Down Saloons in Las and New York City, and Frankie’s Tiki Room in Las Vegas — Moss has built a legacy on defying convention. That same rebellious streak fuels his fiction, often rooted in alternate or historical realities, where he channels grit, danger, and dark humor into stories entirely his own. In Moss’s world nothing is off-limits. P Moss, owner of the Double Down Saloon, poses for a portrait in one of the bathrooms at the legendary dive bar on Nov. 15, 2022, in Las Vegas. (Chase Stevens/Las Vegas Review-Journal/Tribune News Service via Getty Images) TNS Blending historical fact with his signature noir storytelling in Screwing Sinatra (and his earlier works), Moss dives into the tangled lives of Frank Sinatra, John F. Kennedy, Jackie Kennedy, Marilyn Monroe, Dean Martin, and gangster Sam Giancana, among other prominent figures. For decades, stories have circulated that Sinatra and Giancana helped rig the presidential election for JFK — though hard proof has never surfaced. And Moss, naturally, offers his own take on how it might have gone down. “You take what really happened — you get from point A to point B. But along the way, you spice it up and just have fun with it,” said Moss, who will be at New York Comic Con…

Author: BitcoinEthereumNews

2025/10/09

Analyst Says XRP Price Will Reach $100 In 2030, But This Ripple Rival Will Go From $0.015 To $150 In 2026

Analyst Says XRP Price Will Reach $100 In 2030, But This Ripple Rival Will Go From $0.015 To $150 In 2026

The post Analyst Says XRP Price Will Reach $100 In 2030, But This Ripple Rival Will Go From $0.015 To $150 In 2026 appeared first on Coinpedia Fintech News When a crypto analyst recently predicted that the XRP price could hit $100 by 2030, it reignited old conversations about whether Ripple’s token was still the sleeping giant of the industry. With XRP price currently hovering around $3.03, that projection implies a rise of more than 3,200%, echoing memories of 2017’s parabolic run. Meanwhile, attention …

Author: CoinPedia

2025/10/09

Jupiter launches JupUSD stablecoin with Ethena Labs on Solana

Jupiter launches JupUSD stablecoin with Ethena Labs on Solana

The post Jupiter launches JupUSD stablecoin with Ethena Labs on Solana appeared on BitcoinEthereumNews.com. Jupiter, the Solana-based decentralized exchange aggregator, announced on Oct. 8, that it will launch its own native stablecoin, JupUSD, in partnership with Ethena Labs. The new token will serve as the core liquidity and collateral asset across the entire Jupiter ecosystem, including its perpetual futures, lending, and spot trading platforms. According to Jupiter, JupUSD is slated to go live in the fourth quarter of 2025, pending multiple security audits of its Solana-native mint-and-redeem contracts. JupUSD will be initially backed 100% by USDtb, a stablecoin nearly fully collateralized by BlackRock’s BUIDL fund, before incorporating USDe, Ethena’s delta-neutral stablecoin, to optimize yield for holders. The partnership extends Ethena’s Stablecoin-as-a-Service model, which allows protocols to create bespoke digital dollars using its infrastructure. Ethena, which has issued over $16 billion in stablecoins to date, positions JupUSD alongside other ecosystem-native assets such as Frax’s USDe integrations and MegaETH’s USDm. The collaboration mimics a growing trend among major DeFi protocols toward self-issued stablecoins to retain liquidity and fee revenue internally — a path also taken by Aave’s GHO and Curve’s crvUSD.  This is a developing story. This article was generated with the assistance of AI and reviewed by editor Jeffrey Albus before publication. Get the news in your inbox. Explore Blockworks newsletters: Source: https://blockworks.co/news/jupiter-jupusd-stablecoin

Author: BitcoinEthereumNews

2025/10/09

Why is crypto market down today? Govt shutdown puts pressure

Why is crypto market down today? Govt shutdown puts pressure

The post Why is crypto market down today? Govt shutdown puts pressure appeared on BitcoinEthereumNews.com. The crypto market is down, and Bitcoin has retreated from all-time highs as macro pressure weighs on investor sentiment. Summary The crypto market is down, with Bitcoin retreating from its ATH Macro uncertainty amid the government shutdown is causing concern Traders are looking at the Fed’s moves as investors lose faith in the dollar Crypto markets dipped on Wednesday, Oct. 8, as investors grew concerned about mounting macro uncertainty. The protracted government shutdown, mixed signals from the Federal Reserve, and delayed economic data continue to weigh on sentiment. Bitcoin (BTC) fell from its Oct. 6 all-time high of $126,198.07 and is now trading below $123,000. Pullbacks after big rallies are normal as traders take profits and overleveraged positions are cleared. Still, most major altcoins are seeing even larger losses as macroeconomic uncertainty continues to hurt sentiment. With the U.S. federal government shutdown entering its second week, releases of key economic figures are on hold. This includes reports on inflation, employment, and consumer sentiment, data that are crucial for gauging the Fed’s rate-cut path and that, in their absence, contribute to broader uncertainty. Why is the crypto market down today? Crypto markets are highly sensitive to Fed policy expectations. Without fresh economic data, it is difficult for markets to assess the direction of interest rates and how much liquidity will flow toward Bitcoin and altcoins. Even so, there may be a silver lining. Gold is performing very well. The precious metal has surged since the shutdown, surpassing $4,000 per ounce. Kevin Rusher, founder of RWA lending firm RAAC, told crypto.news that gold’s rally is a clear sign that investors are losing faith in the dollar. Citadel CEO Ken Griffin has similarly suggested that uncertainty may benefit crypto: “Gold is at record highs and the appreciation in other dollar substitutes — to…

Author: BitcoinEthereumNews

2025/10/09

Elon’s Tweets Shake the Market — 5 Best Coins to Watch in 2025 Right Now

Elon’s Tweets Shake the Market — 5 Best Coins to Watch in 2025 Right Now

What is the best coin to watch in 2025 before the next big market surge? As crypto markets recover and […] The post Elon’s Tweets Shake the Market — 5 Best Coins to Watch in 2025 Right Now appeared first on Coindoo.

Author: Coindoo

2025/10/09

2025’s Top-Earning Mining Platform for BTC, DOGE, and XRP Passive Income

2025’s Top-Earning Mining Platform for BTC, DOGE, and XRP Passive Income

FleetMining lets XRP, BTC, and ETH holders earn daily passive income through secure cloud mining with flexible contracts, low entry, and stable returns.

Author: Blockchainreporter

2025/10/08

Fireblocks Trust Company Expands Regulated Custody Network with Bakkt, Galaxy, and FalconX Partnership

Fireblocks Trust Company Expands Regulated Custody Network with Bakkt, Galaxy, and FalconX Partnership

TLDR Fireblocks expands custody network with Bakkt, Galaxy, and FalconX. Institutional crypto custody strengthened by Fireblocks’ new partners. Fireblocks boosts regulated crypto access with top institutional players. NYDFS-regulated Fireblocks grows network to secure institutional assets. Fireblocks bridges traditional finance and crypto with new custody deals. Fireblocks Trust Company has strengthened its Regulated Custody Network by [...] The post Fireblocks Trust Company Expands Regulated Custody Network with Bakkt, Galaxy, and FalconX Partnership appeared first on CoinCentral.

Author: Coincentral

2025/10/08

How Can Stablecoin Integration Improve Financial Inclusion Worldwide?

How Can Stablecoin Integration Improve Financial Inclusion Worldwide?

Discover how stablecoin integration is breaking barriers in global finance, enabling faster, cheaper, and more secure access for everyone. Explore the future of financial inclusion powered by digital stability.Stablecoin Financial inclusion remains one of the most pressing challenges of the 21st century. Despite advances in digital technology, nearly 1.4 billion adults worldwide still remain unbanked, according to the World Bank. Limited access to financial services restricts individuals and businesses from participating fully in economic activities, hindering wealth creation, entrepreneurship, and social mobility. The emergence of blockchain technology and digital currencies has opened new pathways to address these gaps. Among these innovations, stablecoins cryptocurrencies pegged to stable assets like the US dollar or gold offer promising solutions to enhance financial inclusion globally. This blog explores how stablecoin integration can transform financial accessibility, providing technical insights and real-world applications. Understanding Stablecoins: Stablecoins are digital tokens designed to minimize the volatility commonly associated with cryptocurrencies like Bitcoin and Ethereum. They achieve stability through various mechanisms: Fiat-Collateralized Stablecoins: Backed by fiat reserves (e.g., USD, EUR) stored in regulated accounts. Examples include USDC and Tether (USDT). Each token represents a claim on an equivalent amount of fiat currency, providing users with predictable value. Crypto-Collateralized Stablecoins: Secured by other cryptocurrencies, over-collateralized to absorb price volatility. DAI, for instance, is backed by Ethereum and other digital assets through smart contracts. Algorithmic Stablecoins: Not backed by collateral but rely on algorithms to control supply and maintain peg stability. These are more experimental and involve automated expansion and contraction of token supply based on market demand. The technical architecture of stablecoins involves smart contracts, oracles, and blockchain ledgers, ensuring transparency, automation, and auditability. This combination of stability and technological rigor makes them suitable for everyday transactions, remittances, and microfinance key components of financial inclusion. Bridging the Financial Gap Stablecoins can address several barriers to financial inclusion: Access to Bankless Populations A significant portion of the global population lacks access to traditional banking systems due to geographical, regulatory, or socioeconomic constraints. Stablecoins, being blockchain-based, allow users to hold and transfer value without requiring a conventional bank account. With a smartphone and internet access, individuals can store wealth, receive payments, and engage in digital commerce. Mobile wallets integrated with stablecoin networks provide secure private key storage and transaction signing, enabling peer-to-peer (P2P) transfers without intermediaries. Lower Transaction Costs Cross-border remittances often involve high fees, with the World Bank estimating an average global cost of 6–7% per transaction. Stablecoins can significantly reduce these costs by bypassing intermediaries like banks and money transfer operators. Smart contracts automate settlement, while blockchain’s decentralized network eliminates the need for correspondent banks. This reduction in friction encourages small-value transactions, essential for low-income individuals sending remittances home. Faster Settlements Traditional banking systems may take several days to process international payments due to compliance checks, banking hours, and cross-border settlement delays. Stablecoins enable near-instantaneous transfers globally, utilizing blockchain consensus mechanisms such as proof-of-stake or delegated proof-of-stake for fast transaction validation. Using a stablecoin like USDC on Ethereum or Solana, funds can move across borders in minutes, ensuring timely access to key resources like healthcare, education, or emergency relief. Financial Identity and Inclusion Many unbanked individuals lack formal identification, preventing access to financial services. Integrating stablecoins with digital identity solutions such as decentralized identity (DID) protocols, allows users to prove identity and creditworthiness without relying on traditional KYC/AML processes. Self-sovereign identity systems store cryptographic proofs on blockchain, which can then be verified during stablecoin transactions, creating a secure, inclusive financial ecosystem. Use Cases Driving Inclusion Microfinance and Small Loans Stablecoins can facilitate microloans by creating transparent, programmable, and enforceable lending contracts. Smart contracts automatically disburse funds, track repayments, and manage collateral, minimizing administrative overhead and fraud. Small entrepreneurs in emerging markets gain access to affordable capital, enabling local businesses to grow and generate employment. Remittances and Payroll Stablecoins simplify salary payments for cross-border employees and gig workers. Companies can pay workers in stablecoins, avoiding currency conversion fees and ensuring value consistency despite local inflation or currency instability. Stablecoins can be integrated into payroll systems through APIs, automating conversion, distribution, and compliance tracking. Social Aid and Welfare Programs Governments and NGOs can use stablecoins to distribute social benefits, disaster relief, or subsidies directly to recipients. Blockchain transparency ensures funds reach intended beneficiaries without leakage or corruption. A programmable stablecoin can be set to Maximize funds only for specific purposes, such as healthcare payments or school fees, improving accountability. Technical Considerations for Global Adoption While the potential is immense, several technical challenges must be addressed for stablecoin-driven financial inclusion: Scalability: Networks must handle millions of transactions efficiently. Layer-2 solutions and sidechains can reduce congestion and lower gas fees. Interoperability: Stablecoins must work across multiple blockchains and integrate with fiat systems to maximize adoption. Bridges and cross-chain protocols play a key role here. Regulatory Compliance: Adhering to AML, KYC, and consumer protection standards is essential. Programmable compliance rules can be embedded directly into smart contracts for automated regulatory adherence. Smart contract difficulties and private key mismanagement remain risks. Multi-signature wallets, hardware wallets, and rigorous audits are essential to protect users. Simplified wallets, language localization, and offline transaction capabilities are vital for adoption among populations with limited digital literacy or intermittent internet access. Global Impact: Integrating stablecoins can directly influence several dimensions of financial inclusion: Banking Access: Providing digital wallets reduces reliance on physical bank infrastructure. Transaction Efficiency: Lower fees and instant settlements encourage more economic activity. Economic Empowerment: Access to loans and credit fosters entrepreneurship and wealth generation. Transparency and Trust: Immutable ledger records reduce corruption and build trust in financial systems. Emerging economies like Kenya, the Philippines, and parts of Latin America are already experimenting with stablecoin-driven remittances and payments, showing measurable improvements in accessibility and cost efficiency. Conclusion Stablecoin integration represents a revolutionary opportunity to enhance financial inclusion worldwide. By offering stability, low-cost, fast, and programmable financial services, stablecoins can empower the unbanked and underbanked populations to participate in the global economy. Technical innovations like smart contracts, blockchain networks, decentralized identities, and cross-chain interoperability are making this vision increasingly feasible. While challenges in scalability, security, and regulation remain, strategic collaboration among fintech developers, regulators, and social impact organizations can maximise the full potential of stablecoins. The result is a world where financial services are not a privilege but a universal right, a world where anyone, anywhere, can access, transact, and grow economically through the power of digital finance. How Can Stablecoin Integration Improve Financial Inclusion Worldwide? was originally published in Coinmonks on Medium, where people are continuing the conversation by highlighting and responding to this story

Author: Medium

2025/10/08

DeFi Protocol Mutuum Finance (MUTM) Approaches $17M In Funding

DeFi Protocol Mutuum Finance (MUTM) Approaches $17M In Funding

In a year where many early-stage crypto projects have struggled to sustain investor attention, Mutuum Finance (MUTM) continues to build steady traction. The Ethereum-based DeFi protocol has passed several key milestones simultaneously, growing its funding base, expanding its community, and progressing its product development roadmap. As Stage 6 of its presale surpasses the halfway mark, Mutuum Finance is now closing in on a $17 million funding total, underscoring the strong market interest in its structured, utility-driven approach. A Structured Presale Model With Clear Upside Mutuum Finance launched its presale in early 2025, starting at $0.01 during Phase 1. Each subsequent stage has featured an approximate 20% price increase, rewarding early participants and creating a sense of urgency for newcomers. After five completed phases, MUTM now trades at $0.035 in Stage 6, representing a 250% increase for initial backers. To date, the presale has raised over $16.9 million, allocated more than 750 million tokens, and onboarded 16,800 holders. Importantly, Stage 6 is already more than 55% sold, with Stage 7 priced at $0.04 and the final listing price set at $0.06. This pricing structure gives early participants from Phase 1 the potential for up to 600% appreciation, while even new entrants at current levels still stand to nearly 2x their MUTM value by listing. This tiered pricing model is significant because it builds predictable appreciation directly into the presale structure. Rather than relying solely on market speculation, each phase establishes a transparent price floor, helping to maintain momentum as more investors join. A Growing Community and Transparent Dashboard Beyond the numbers, Mutuum Finance has built strong transparency features into its presale process. A live dashboard allows participants to track allocations and potential returns in real time, while a Top 50 leaderboard rewards the largest contributors with bonus token allocations at launch. This gamified approach not only encourages deeper participation but also adds a layer of accountability rarely seen in early-stage token sales. The community has also been engaged through incentive programs. To reward early supporters, the team launched a $100,000 giveaway, selecting 10 winners to receive $10,000 each in MUTM tokens. Initiatives like these have helped strengthen community loyalty and expand visibility without relying on aggressive hype tactics. According to a recent statement from the Mutuum Finance team on X (formerly Twitter), the first version of its lending and borrowing protocol is currently under active development, with deployment to the Sepolia Testnet scheduled for Q4 2025. The initial release will include key modules such as the Liquidity Pool, mtToken (interest-bearing receipts), Debt Token, Liquidator Bot, and other essential components for credit markets. ETH and USDT will serve as the first supported assets for lending, borrowing, and collateral. This alignment of fundraising with concrete technical milestones has added weight to investor confidence, showing that the project is executing in parallel with its capital raise. Utility and Roadmap Outlook Mutuum Finance is not positioning itself as a meme or general-purpose chain. It is a decentralized, non-custodial lending and borrowing protocol, built on Ethereum and designed so that every supply, borrow, or platform action feeds directly back into MUTM token demand. Its dual lending markets form the backbone of this utility. Peer-to-Contract (P2C) pools will support mainstream assets like ETH and stablecoins, enabling users to deposit liquidity and earn yield while borrowers access instant credit. Alongside these, Peer-to-Peer (P2P) isolated agreements will support less liquid or riskier tokens without compromising the system’s overall solvency. This dual approach provides both scalability and flexibility—critical for attracting a wide range of users from institutional participants to DeFi power users. All loans on the protocol will be overcollateralized, governed by strict Loan-to-Value (LTV) thresholds to ensure system solvency even during volatile market swings. Borrowers will be able to choose between variable rates, which adjust dynamically based on liquidity utilization, and stable rates, which lock in borrowing costs at a premium. For pricing integrity, Mutuum Finance plans to implement a multi-layer oracle system that includes Chainlink feeds, fallback data sources, aggregated inputs, and DEX time-weighted pricing. This ensures reliable price data and prevents manipulation or stale feeds from triggering unfair liquidations—an essential component for any serious lending protocol. A DeFi Contender to Watch Mutuum Finance has already passed a CertiK audit with a 90/100 Token Scan score, placing it among the stronger audited protocols in its category. In addition, a $50,000 bug bounty program incentivizes third-party developers to stress-test the system before mainnet launch. As Stage 6 passes the halfway mark and total funding approaches $17 million, Mutuum Finance is positioning itself as one of the most closely watched DeFi tokens under $0.05 heading into late 2025. Its structured presale, transparent growth model, and active development roadmap give it a credibility edge in a crowded market. While the ultimate test will come post-listing, the combination of strong fundraising, clear utility, and early product delivery suggests that MUTM is entering the final phases of its presale with significant momentum—and growing attention from both retail investors and DeFi participants. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: :::tip This story was published as a press release by Btcwire under HackerNoon’s Business Blogging Program. Do Your Own Research before making any financial decision. \n ::: \

Author: Hackernoon

2025/10/08

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