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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.

14964 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Galaxy One Opens for Business

Galaxy One Opens for Business

The post Galaxy One Opens for Business appeared on BitcoinEthereumNews.com. Shares of Galaxy Digital rose 8% in premarket trading Monday as the company rolled out GalaxyOne, a mobile and web platform built to give retail investors access to a blend of cash, crypto, and equity investing tools, with yield at the core. The app gives users access to FDIC-insured high-yield cash accounts, crypto trading, and U.S. equities and exchange-traded funds (ETFs), the company announced in a press release. Galaxy says it’s offering 4% annual returns on regular cash deposits and up to 8% for accredited investors through its Galaxy Premium Yield product. Both rates are powered by the company’s institutional lending business, which manages a loan book of more than $1.1 billion. Beyond passive yield, GalaxyOne users can trade across digital assets like bitcoin BTC$125,237.45, ether ETH$4,693.75 and solana SOL$236.28, as well as stocks listed on major U.S. exchanges. Galaxy also offers automated reinvestment of earnings into crypto or cash, aiming to simplify compounding returns, the company said. The launch puts Galaxy in direct competition with Robinhood (HOOD) and Coinbase (COIN), two of the dominant players among digital-first retail traders in the U.S. Both have launched new services this year — including crypto staking, margin trading and retirement accounts — as they try to lock in more users and increase assets held on their platforms. HOOD and COIN are both trading about 2% higher in pre-market trading alongside a general rise in stock and crypto markets. Galaxy’s move is notable in part because of its institutional background. The company went public on Nasdaq in May and its stock is up 100% since the listing. Originally built on the infrastructure of Fierce, a fintech platform Galaxy acquired last year, GalaxyOne signals a broader push into consumer finance from a firm historically focused on institutional clients. Galaxy said more features are on…

Author: BitcoinEthereumNews

2025/10/07

GLXY Jumps 8% as Galaxy Digital Launches Retail Platform

GLXY Jumps 8% as Galaxy Digital Launches Retail Platform

The post GLXY Jumps 8% as Galaxy Digital Launches Retail Platform appeared on BitcoinEthereumNews.com. GalaxyOne enables retail investors to earn interest on cash and trade cryptocurrencies and stocks. Crypto financial services firm Galaxy Digital (NASDAQ: GLXY; TSX: GLXY) shares rose 8% to $39 on Monday, Oct. 6, following the launch of GalaxyOne – a new platform that allows U.S.-based investors to earn interest on cash and trade crypto and stocks in one place. Specifically, the platform offers 8% annual percentage yield (APY) to accredited investors through Galaxy Premium Yield, and 4% APY on cash deposits insured up to $250,000 through Cross River Bank, according to a press release viewed by The Defiant. GalaxyOne also offers trading of major digital assets, including Bitcoin (BTC), Ethereum (ETH), Solana (SOL), and Paxos Gold (PAXG), as well as commission-free trading of U.S. stocks and exchange-traded funds (ETFs). Galaxy said yields from the Premium Yield product are generated through its institutional lending business. The offering has a $25,000 minimum, with a $1 million cap per investor and a $250 million total limit. The launch marks Galaxy’s move into the retail market, expanding beyond its base of institutional clients to reach everyday investors who want access to both traditional and digital assets. “We’ve spent years building institutional-quality infrastructure to serve the world’s most sophisticated investors. Now, we’re extending that edge to individuals,” said Mike Novogratz, founder and CEO of Galaxy. “Importantly, GalaxyOne advances our mission of becoming a full-spectrum financial services provider that builds trusted, regulated, and accessible products for all market segments.” The launch reflects a broader trend of both decentralized finance (DeFi) and centralized finance (CeFi) firms developing “super apps” that combine multiple financial services within a single platform. This “bundle” model was popularized in Asia through platforms like WeChat, and in the U.S., it has been adopted by firms such as Coinbase and Robinhood, as well as…

Author: BitcoinEthereumNews

2025/10/07

Ethereum applications at the On-chain Summit

Ethereum applications at the On-chain Summit

The post Ethereum applications at the On-chain Summit appeared on BitcoinEthereumNews.com. Ethereum applications dominated discussion today at the Global On-chain Asset Summit in Singapore, hosted by HashKey Group, where Vitalik Buterin and Dr. Xiao Feng outlined practical paths for scaling, identity and risk control on-chain. What was the main message from the summit about l1 l2 application differences? Speakers drew a clear line between Layer 1 and Layer 2 use cases. L1 remains the canonical base for settlement and shared security. L2s are framed as the layer for high throughput and lower fees. In this context, developers should design with cross-layer interoperability in mind. Applications that need finality and censorship resistance will favor L1. By contrast, high-frequency use cases — such as prediction markets and micropayments — gain from L2 throughput and reduced costs. How does this affect developers choosing where to deploy? Teams must weigh latency, fees and trust assumptions. Many prototype on L2, then shift critical settlement logic to L1 when guarantees matter. Tooling for bridging and observability is improving, which reduces migration friction. How did the speakers address ethereum prediction markets and their scaling? Panelists discussed the promise of ethereum prediction markets for price discovery and hedging. They underlined that such markets need fast finality and low fees to operate efficiently. As a result, builders plan to run market engines on L2 or rollups while anchoring outcomes on L1. This hybrid model preserves security and delivers the speed traders require. However, throughput targets and oracle designs remain under debate. Are there regulatory or market risks traders should watch? Yes. Speakers flagged regulatory scrutiny and liquidity fragmentation as material risks. Choosing venues with transparent on-chain settlement and reputable layers reduces counterparty exposure. What role will zk identity proofs play in on-chain user models? Experts positioned zk identity proofs as a core tool for privacy-preserving KYC, Sybil resistance and reputation…

Author: BitcoinEthereumNews

2025/10/07

Figure (FIGR) Has 40% Upside: Bernstein

Figure (FIGR) Has 40% Upside: Bernstein

The post Figure (FIGR) Has 40% Upside: Bernstein appeared on BitcoinEthereumNews.com. Bernstein initiated coverage of Figure (FIGR) with an outperform rating and a $54 price target, calling it a leader in bringing blockchain to credit markets, the broker said in a Monday report. The stock was 2% higher in early trade, around $41.10. Bernstein said Figure is doing for lending what stablecoins did for payments, tokenizing traditional assets to make markets faster and more efficient. With roughly 75% of the $17 billion tokenized private credit market, Figure is the clear frontrunner, according to analysts led by Gautam Chhugani. Figure’s blockchain platform shifts lending from a balance-sheet-heavy model to a capital-light marketplace, giving investors direct access to consumer loans, the report noted. Bernstein estimated that the addressable market for credit tokenization exceeds $2 trillion, providing “tremendous growth headroom” as Figure expands beyond home equity lines into other loan products and even equities. The broker cited Figure’s experienced management team and wide distribution network, with 170 origination partners and over 15 private credit investors, as key strengths. Figure is already the top independent home equity line of credit (HLOC) lender in the U.S., originating about $5.1 billion in 2024, or roughly 3% of the market. Bernstein expects revenue to rise from $341 million in 2024 to $754 million by 2027, a 30% annual growth rate, driven by Figure’s Connect marketplace. At about 19x EV/2027 EBITDA and 30x P/E, Figure trades at a premium, but Bernstein said its market dominance, profitability, and exposure to the fast-growing tokenization trend justify the valuation. Figure went public last month. It priced its IPO at $25 per share, valuing the company at $787.5 million. Read more: Blockchain-Based Lender Figure Prices IPO at $25 Per Share, Raising Nearly $788M Source: https://www.coindesk.com/markets/2025/10/06/figure-is-a-blockchain-pioneer-in-credit-markets-says-bernstein-initiating-at-outperform

Author: BitcoinEthereumNews

2025/10/07

Inside the fallout from PeckShield’s Synnax Labs audit

Inside the fallout from PeckShield’s Synnax Labs audit

The post Inside the fallout from PeckShield’s Synnax Labs audit appeared on BitcoinEthereumNews.com. PeckShield Inc. has been accused by stablecoin yield layer Synnax Labs of refunding and removing an audit after the crypto security firm allegedly overlooked the same bug that caused the $1.7 million hack of DeFi lending protocol Abracadabra. Synnax Labs, which is a fork of Abracadabra, first asked for a refund after discovering several vulnerabilities that weren’t spotted by PeckShield in its audit. According to Synnax Labs, the audit “lacked sufficient depth.” The company also claimed that, “After refunding, PeckShield removed the audit report and related correspondence — an unprofessional move that undermines transparency.” The firm disclosed the refund after PHD student and blockchain specialist, Weilin Li, questioned Synnax Labs’ activity in relation to the Abracadabra hack on October 4.  Li claims that Synnax Labs was the only fork of Abracadabra’s Magic Internet Money (MIM) with total value locked (TVL) that was vulnerable to the attack.  Regarding yesterday’s Abracadabra (@MIM_Spell) hack event. Below are some fun facts I observed: *Disclaimer: I have no opinion or comment on this event. I am just listing some facts. (1) The only fork with TVL and was vulnerable to this attack vector (afaik), @synnax_labs,… pic.twitter.com/6L60tGDN3v — Weilin (William) Li (@hklst4r) October 5, 2025 Read more: No crying in the casino: XPL bug hits Aster, Hypervault rug pull suspected They note how Synnax Labs patched this vulnerability four days before the exploit, how PeckShield deleted the audit, which didn’t include this vulnerability, before asking the question, “What happened?” Li added, “I have no opinion or comment on this event. I am just listing some facts.”  Indeed, Synnax Labs claims that the contracts were paused and patched “proactively” four days before Abracadabra’s exploit, before elaborating on what happened with the audit.  Abracadabra has lost over $21 million in major DeFi hacks Abracadabra reportedly suffered the hack…

Author: BitcoinEthereumNews

2025/10/07

Ripple Announces Major Privacy Upgrade For XRP Ledger – What To Know

Ripple Announces Major Privacy Upgrade For XRP Ledger – What To Know

Ripple’s Senior Director of Engineering, J. Ayo Akinyele, has announced a significant privacy upgrade for the XRP Ledger (XRPL). In a blog post published in October 2025, Akinyele explained that the goal is to protect sensitive transaction details while still following global regulations. Akinyele shared the full roadmap in the official blog post, describing how […]

Author: Bitcoinist

2025/10/07

Best Crypto To Buy Today That Are Poised for Breakouts in Uptober Rally

Best Crypto To Buy Today That Are Poised for Breakouts in Uptober Rally

The post Best Crypto To Buy Today That Are Poised for Breakouts in Uptober Rally appeared on BitcoinEthereumNews.com. Crypto News The October crypto rally has sent shockwaves across the market. Bitcoin and Ethereum may still dominate headlines, but investors are looking deeper. Altcoins are catching fresh momentum, and some are poised for breakout gains. Among them, one name is turning heads — TAPZI. TAPZI is not just another token. It is a Web3 gaming project built around skill-based play, and its presale momentum is unmatched. With a starting price of only $0.0035, it offers explosive upside potential compared to more mature tokens. While the market buzzes with names like Magacoin Finance, Bullzilla, Best Wallet Token, XRP, Solana, and Tether, TAPZI stands out as the most exciting entry. Let’s explore why these seven altcoins are in the spotlight after the October rally — and why TAPZI could be the star of the next big wave. Tapzi (TAPZI): Gaming Meets Crypto Growth GameFi is not new. Many tokens tried and failed by focusing on inflationary play-to-earn models. TAPZI changes the narrative. Its design is built on skill-to-earn mechanics, where players win based on ability, not luck or inflated rewards. Here’s how it works: Players stake TAPZI tokens to join matches. Classic games like Chess, Checkers, and Rock-Paper-Scissors are played in short sessions. Winners instantly claim the prize pool, with returns ranging from +10% to +200%. A fair ELO-based matchmaking system ensures balanced play. AI-powered anti-cheat systems keep the ecosystem secure. At $0.0035, TAPZI’s presale has already raised millions. Analysts expect a launch price of $0.01, giving early investors nearly 3× returns on day one. And if it captures even a fraction of the multi-billion-dollar global gaming market, the upside could rival Solana’s or even Ethereum’s early bull-run stories. In 2025, TAPZI is more than a presale — it’s the crypto gaming leader and a serious competitor to DeFi and meme…

Author: BitcoinEthereumNews

2025/10/07

Beyond Borders Featuring Gluwa and the New Era of Cross Border Finance

Beyond Borders Featuring Gluwa and the New Era of Cross Border Finance

Cross-border payments are still costly and slow in 2025. Sending $200 internationally costs 6.2 percent on average, more than twice the United Nations goal of 3 percent by 2030. Traditional banking networks, based on old messaging systems from the 1970s, involve many middlemen.

Author: Hackernoon

2025/10/06

Mutuum Finance: Building A DeFi Lending Engine

Mutuum Finance: Building A DeFi Lending Engine

Ripple’s XRP has recorded a 3% gain in the past 24 hours as institutional activity continues to shape trading dynamics. The token has extended above the $3.00 mark, drawing renewed interest after Japan’s SBI Holdings expanded its lending services. Alongside that, optimism surrounding the pending U.S. ETF applications has fueled inflows. Yet despite XRP’s momentum, analysts maintain that a new entrant, Mutuum Finance (MUTM), is positioned as the DeFi crypto to watch next. XRP Sustains Momentum From Lending And ETF Speculation XRP has been holding gains above $3.00 after volumes spiked between $2.95 and $3.10. The latest rise followed SBI Holdings’ launch of institutional XRP lending in Japan, a move that highlights Asia’s increasing focus on digital assets. Meanwhile, attention has shifted toward October 18, when the first decisions on seven U.S. ETF filings are expected. Prediction markets are currently assigning a 99% chance of approval, encouraging speculative activity. Furthermore, technical signals are showing a consolidation zone around $3.00, reinforcing accumulation by professional traders. Resistance is firm at $3.10, where institutional selling capped further moves. Still, buyers remain active, with turnover exceeding 200 million tokens in single-hour bursts. Consequently, the ability to close above $3.10 remains crucial for any breakout toward $3.20. Although XRP is supported by both lending flows and ETF optimism, some experts argue that stronger long-term upside rests in DeFi tokens with emerging utility rather than legacy altcoins. This brings Mutuum Finance into sharper focus for investors evaluating what crypto to invest in next. Mutuum Finance (MUTM) has already secured more than $16,850,000 in funding across its presale, attracting 16,770 holders to date. The presale has now reached Phase 6, which is 60% filled, with the token selling at $0.035. Early participants from the first phase have already seen gains of 250% from the entry price of $0.01. Phase 6 is underway and selling rapidly, as the following stage will open at $0.04, a 14.3% rise, before MUTM launches at $0.06. Current buyers stand to capture gains of 371% at launch. What sets the project apart is its clear product development roadmap. Mutuum Finance has announced progress on its lending and borrowing protocol, beginning with a Sepolia testnet rollout in Q4 2025. Core modules such as liquidity pools, mtTokens, debt tokens, and a liquidator bot are planned, with ETH and USDT confirmed as the first supported assets for lending, borrowing, and collateral. This positions MUTM as one of the best cryptos to buy now for investors seeking tangible DeFi infrastructure. Incentives, Utility, And Presale Growth Mutuum Finance is not limiting itself to development alone. The project has rolled out a dashboard that showcases a leaderboard of the top 50 token holders, who will receive bonus rewards for maintaining their ranking. This unique structure encourages long-term participation and engagement. Moreover, the team has announced its largest giveaway to date, allocating $100,000 in MUTM to 10 winners, each receiving $10,000. Entry requires completing steps such as wallet submission and a minimum $50 presale investment, further driving demand. Looking at the tokenomics, MUTM is structured with a fixed supply of 4 billion, with 45% distributed through the presale in discounted tiers. This ensures predictable scarcity as phases progress. Importantly, the current phase represents one of the last opportunities for investors to buy at under $0.04 before launch. Given its borrowing and lending mechanics, the token is already being viewed as a serious candidate for sustained utility once live trading begins. Furthermore, Mutuum Finance is designing its platform with dual market options. The peer-to-contract model delivers pooled, instant liquidity, while the peer-to-peer market enables customized lending agreements. This dual approach provides both scalability and flexibility, broadening the platform’s appeal in a crypto market where yield and access to capital remain core drivers. Investors studying crypto charts and crypto predictions are increasingly eyeing MUTM as a project capable of delivering sustained returns. Investors Shift Toward DeFi Potential The growing excitement around XRP highlights how liquidity catalysts and ETF speculation can boost altcoin prices. However, many crypto investors are now evaluating which crypto to buy today for long-term value creation. While XRP’s short-term action depends on ETF decisions and lending flows, Mutuum Finance (MUTM) is advancing toward launch with strong presale traction, clear protocol development, and community incentives. Its blend of security measures, lending design, and market incentives places it firmly in focus as the best crypto to invest in next. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://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. ::: \

Author: Hackernoon

2025/10/06

Why Mutuum Finance (MUTM)

Why Mutuum Finance (MUTM)

Mutuum Finance (MUTM) uses a dual lending method to make sure that both security and yield are maximized. Peer-to-Contract (P2C) pools will collect payments of well-known assets like ETH and LINK, as well as stablecoins like USDT and USDC. The project counts over 16,750 holders, and total supply stands at 4 billion tokens.

Author: Hackernoon

2025/10/06

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