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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.

14593 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
$180 Billion XRP Faces Its Biggest Upgrade Yet With New Ripple DeFi Roadmap

$180 Billion XRP Faces Its Biggest Upgrade Yet With New Ripple DeFi Roadmap

The post $180 Billion XRP Faces Its Biggest Upgrade Yet With New Ripple DeFi Roadmap appeared on BitcoinEthereumNews.com. Ripple’s new roadmap makes it clear that XRP, already valued at $180 billion, is being promoted as an institutional DeFi asset at a time when the sector is demonstrating its true size: $161.8 billion is locked in protocols, $292.8 billion in stablecoins, $15.6 billion is traded daily on DEXes and there is $23 billion in perpetuals volume, according to DefiLlama.  The message is clear: XRPL is evolving beyond payments to encompass the compliance, credit and tokenized markets, where billions are already changing hands daily. 1/ Institutional DeFi is here and the XRP Ledger has solidified its position as the trusted open source settlement layer for global institutions. The next phase of the roadmap starts now. Explore it below and read the full blog for details 🧵⬇️ https://t.co/YLQ9Po8xMQ — RippleX (@RippleXDev) September 22, 2025 Upgrades are now live, with on-chain proof of regulatory status, freeze controls for issuers and simulation tools for reducing errors. These features address regulators’ concerns, contributing to the growth of XRPL’s stablecoin, which recently surpassed $1 billion in a single month, and its position in the top 10 real-world asset chains, valued at $15.6 billion in DeFi. XRP’s role as a settlement asset within this system continues to expand. Source: DefiLlama The bigger shift will come with version 3.0. A protocol-level lending system will pool liquidity and issue loans natively under KYC/AML standards, creating cheaper institutional credit and direct yield opportunities. The Multi-Purpose Token standard, due in October, will allow bonds and structured products to be issued and traded directly on XRPL.  Bottom line These are not side experiments but are ways of pulling regulated money into markets where XRP is both the collateral and the liquidity rail. Privacy is next. Zero-knowledge proofs are being developed to enable institutions to transact and collateralize positions without revealing details while…

Author: BitcoinEthereumNews

2025/09/23

Coinbase Launches First U.S. Futures Product Combining Crypto and Tech Equities

Coinbase Launches First U.S. Futures Product Combining Crypto and Tech Equities

TLDR Coinbase’s new futures product combines the “Magnificent 7” tech stocks and crypto ETFs in one contract. The Mag7 + Crypto Equity Index Futures offers 10% exposure to top tech firms and crypto ETFs. Coinbase is pioneering multi-asset derivatives, blending traditional and crypto assets in futures. This new product aims to bridge traditional finance with [...] The post Coinbase Launches First U.S. Futures Product Combining Crypto and Tech Equities appeared first on CoinCentral.

Author: Coincentral

2025/09/23

From Store Of Value To DeFi Powerhouse: Solana Unlocks Bitcoin’s True Utility — Here’s How

From Store Of Value To DeFi Powerhouse: Solana Unlocks Bitcoin’s True Utility — Here’s How

The post From Store Of Value To DeFi Powerhouse: Solana Unlocks Bitcoin’s True Utility — Here’s How appeared on BitcoinEthereumNews.com. Bitcoin has been celebrated as digital gold and a secure store of value with limited functionality, but Solana’s high-speed, low-cost blockchain is changing that narrative. By bridging BTC into SOL’s DeFi ecosystem, BTC gains instant settlement, programmable use cases, and access to lending, borrowing, and yield opportunities. The best form of Bitcoin is literally on Solana, citing the network’s ability to transform BTC from a static store of value into a dynamic, productive asset. Solana Sensei, the Founder of Sensei holdings and Namaste group, has highlighted on X that 66% of all wrapped Bitcoin (wBTC) traders are on the Solana network. He supports this claim with the reasons why people are choosing to hold and use their BTC on SOL. Why Solana’s Speed And Low Fees Change The Game Solana is extremely cheap in transactions, a stark contrast to the $5 to $50+ fees often seen on the Bitcoin or Ethereum networks for the same move. With transaction finality in approximately 400 milliseconds, BTC transfers on SOL become nearly instant, compared to the minutes or hours of waiting on other chains. SOL’s capacity to process 65,000 TPS allows it to handle BTC at an internet-scale without network congestion. Furthermore, Bitcoin becomes a programmable asset with deep integration into DeFi protocols like Jupiter, Raydium, Orca, Drift, and Kamino, enabling instant trading, lending, and use as collateral. Also, BTC becomes programmable in SOL DeFi, NFT, and RWAs, without the need for bridges across multiple chains. This integration transforms BTC into a dynamic, productive asset that can be used for lending, staking, and liquidity provision or structural products in ways that are not possible on the native BTC chain. BTC custody solutions, such as tBTC, sBTC, or the Wormhole BTC, combined with SOL’s high validator count and Jito MEV protection, are making it…

Author: BitcoinEthereumNews

2025/09/23

Ripple (XRP) Price Prediction: XRP and Another Trending Crypto to Watch as Whale Activity Rises

Ripple (XRP) Price Prediction: XRP and Another Trending Crypto to Watch as Whale Activity Rises

Price of Ripple (XRP) has been in focus once more as whale wallets show heavy accumulation before the token makes its upward move. Though XRP is still among the most popular altcoins in circulation, investors also have eyes on Mutuum Finance (MUTM), a $0.035 DeFi token that has become a much-discussed token during its presale […]

Author: Cryptopolitan

2025/09/23

Fed’s Musalem warns Fed nearing limits on rate cuts

Fed’s Musalem warns Fed nearing limits on rate cuts

The post Fed’s Musalem warns Fed nearing limits on rate cuts appeared on BitcoinEthereumNews.com. Federal Reserve Bank of St. Louis President Alberto Musalem has argued that there’s limited room for more rate cuts despite increased inflation. He acknowledged that he championed last week’s 25-bps rate cut to take out insurance against a weakening labor market. The American economist maintained that interest rates are currently between modestly restrictive and neutral. He revealed that he would support further rate cuts if the labor market continues to worsen. Musalem also believes that it’s important to keep long-term interest rates stable. Musalem expects more cuts if the labor market worsens During the boom, many used a simple strategy: borrowing money at one interest rate and re-lending at a higher rate. But when rates exploded, the trade broke. This can become economically contagious across the entire housing market. #CanadianRealEstate #CarryTrade pic.twitter.com/6T6k1Sdidh — Daniel Foch (@daniel_foch) September 22, 2025 The banker stated that he supported the FOMC’s quarter-point rate cut last week as a precautionary move intended to support the labor market at full employment and against further weakening. He added that the little room left for further easing will ensure policy won’t become overly accommodative. The president of St. Louis Bank argued that recent economic data shows that the adverse risk to employment was surging. He added that he still expects risk inflation to remain above the central bank’s 2% target.  According to Fed’s Musalem, booming stock markets and low credit spreads continue to support the economy. He urged policymakers to tread carefully because rates are close to neutral after adjusting for inflation, which is a level that neither boosts nor slows growth.  “Should further signs of labor market weakness emerge, I would support additional reductions in the policy rate, provided the risk of above-target inflation persistence has not increased and long-term inflation expectations remain anchored.” -Alberto Musalem, President at the…

Author: BitcoinEthereumNews

2025/09/23

Why Analysts Rank Pepeto As The Best Crypto Investment, Over XRP, Cardano, And PEPE

Why Analysts Rank Pepeto As The Best Crypto Investment, Over XRP, Cardano, And PEPE

The same investors who hunted those early gains are now seeking the next big rocket, and many have their eyes […] The post Why Analysts Rank Pepeto As The Best Crypto Investment, Over XRP, Cardano, And PEPE appeared first on Coindoo.

Author: Coindoo

2025/09/23

Best Cryptocurrencies to Invest in as Altcoin Season Index Shoots Higher

Best Cryptocurrencies to Invest in as Altcoin Season Index Shoots Higher

The Altcoin Season Index has broken new highs, reflecting that investors are rotating into leading altcoins once more. Ethereum (ETH) continues to be a bedrock of the market because of smart contracts and existing infrastructure. Nevertheless, for individuals seeking further growth opportunities, Mutuum Finance (MUTM) is drawing increasing attention.  Still priced at $0.035 presale, MUTM […]

Author: Cryptopolitan

2025/09/23

Dogecoin Holds Its Ground, But an Emerging Meme-to-Earn Model Signals the Next Wave of Growth

Dogecoin Holds Its Ground, But an Emerging Meme-to-Earn Model Signals the Next Wave of Growth

Dogecoin continues to thrive as a cultural icon in crypto, but new Meme-to-Earn token MAGAX is drawing investor interest with its AI-powered ecosystem.

Author: Blockchainreporter

2025/09/23

Austin Winch’s Xauras Rockets to $90M TVL in Just Three Weeks, Redefining the Future of DeFi Lending

Austin Winch’s Xauras Rockets to $90M TVL in Just Three Weeks, Redefining the Future of DeFi Lending

The post Austin Winch’s Xauras Rockets to $90M TVL in Just Three Weeks, Redefining the Future of DeFi Lending appeared on BitcoinEthereumNews.com. With governance-first architecture and explosive adoption, Austin Winch positions Xauras as the protocol rewriting the rules of decentralized finance. London, UK – September 2025 – In an industry where most projects take months  or years  to prove themselves, Austin Winch has achieved in weeks what few thought possible. His governance-first DeFi protocol, Xauras, has stormed past $90 million in total value locked (TVL) and welcomed over 12,000 unique wallets since its launch just three weeks ago. The secret behind Xauras’s rapid rise lies in Winch’s vision: a community-owned, governance-driven model that puts decision-making in the hands of token holders. By embedding governance into the DNA of the protocol, Xauras empowers users to shape lending rates, collateral rules, and expansion strategies a sharp break from the centralized control still seen across DeFi. “Xauras isn’t just a protocol it’s proof that DeFi can scale without compromising decentralization,” said Austin Winch, Founder of Xauras. “We’re showing that when governance comes first, adoption follows naturally. The response so far has been incredible.” Built on Ethereum and Arbitrum, Xauras enables non-custodial lending and borrowing with dynamic interest models and automated liquidations. To ensure long-term trust, Winch prioritized independent audits and multi-layered risk safeguards, creating a protocol designed to withstand volatility and exploits. And this is just the beginning. By late 2025, Xauras will expand to Polygon, Optimism, and Solana, while introducing NFT-backed lending, real-world asset integration, cross-chain yield aggregation, and institutional liquidity partnerships. Winch’s ultimate ambition is clear: to make Xauras the cornerstone of a truly decentralized financial ecosystem. With its explosive early growth and a founder determined to rewrite the rules of lending, Austin Winch’s Xauras is no longer just a new player in DeFi it’s the movement leading finance into its next era. Founded in London by Austin Winch, Xauras is a governance-first…

Author: BitcoinEthereumNews

2025/09/23

Ripple Targets Tokenization, Stablecoins in XRPL DeFi Roadmap

Ripple Targets Tokenization, Stablecoins in XRPL DeFi Roadmap

The post Ripple Targets Tokenization, Stablecoins in XRPL DeFi Roadmap appeared on BitcoinEthereumNews.com. Ripple has placed stablecoins and tokenized real-world assets (RWAs) at the center of its institutional DeFi strategy. The XRP Ledger (XRPL) has now recorded over $1 billion in stablecoin volume in a single month. It has also broken into the top ten chains for RWA activity, cementing its role in institutional adoption. Ripple’s XRPL Roadmap Prioritizes Lending, Compliance, and Secure Stablecoin Infrastructure According to the Ripple roadmap, tokenized assets and stablecoins are no longer experimental. Instead, they are becoming core use cases for banks, asset managers, and fintech firms. Ripple aims to make XRPL the settlement layer where these assets can be issued, traded, and managed at scale. A major upcoming feature is the native lending protocol. Scheduled with XRPL version 3.0.0, it will introduce pooled lending and underwritten credit directly at the ledger level. By design, the protocol will provide low-cost loans under appropriate regulations. Institutions will be able to source capital efficiently while meeting KYC and AML standards. Recently, Ripple unveiled demo payments for stablecoin transfers, highlighting practical progress in settlement innovation. Compliance tooling is another pillar. Ripple has already introduced Credentials, which link to decentralized identifiers. These also enable trusted issuers to verify their KYC status or know their accreditation level. In addition, the Deep Freeze tool will allow issuers to prevent operations on flagged accounts, thus, guaranteeing adequacy of rules. Others like Token Escrow and Permissioned DEXs offer greater control without centralization of the system. XRPL Enhances Privacy and Tokenization to Improve Institutional DeFi Privacy is also a focus. At Ripple, they are working on zero-knowledge proofs (ZKP) to offer confidentiality but which will still be auditable. The first will be a private Multi-Purpose Tokens that allow trading of assets privately but still under regulatory compliance. This approach strikes the right balance between consumer privacy requirements…

Author: BitcoinEthereumNews

2025/09/23

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