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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.

14526 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
The GENIUS Act Is Already Law. Banks Shouldn’t Try to Rewrite It Now

The GENIUS Act Is Already Law. Banks Shouldn’t Try to Rewrite It Now

The post The GENIUS Act Is Already Law. Banks Shouldn’t Try to Rewrite It Now appeared on BitcoinEthereumNews.com. Healthy competition drives innovation and better products for consumers; it is at the center of American economic leadership. Unfortunately, now that the bipartisan GENIUS Act has been signed into law, major legacy financial institutions seem to be having second thoughts about the innovations that stablecoins can bring to financial markets. Bank lobbying groups and public affairs teams have been peppering Congress with complaints about the law, urging members to reopen debate and introduce changes to the legislation that will ensure the stablecoin market doesn’t grow too quickly, protecting banks’ profits and stifling consumer choice. This reactionary response is both overblown and unnecessary. What legacy financial firms should do instead is embrace competition and offer exciting new products and services that consumers want, not try to kneecap emerging players through anti-innovation rules and regulations. The GENIUS Act was carefully designed with a thorough bipartisan process to strengthen consumer safeguards, ensure regulatory oversight, and preserve financial stability. Efforts to roll back its provisions are less about protecting families and more about protecting entrenched banking interests from the competition that helps ensure the U.S. banking system stays the strongest and most innovative in the world. Critics warn that allowing stablecoins to provide rewards could lead to massive deposit outflows from community banks, with figures as high as $6.6 trillion cited. But closer examination shows this fear is unfounded. A July 2025 analysis by consulting firm Charles River Associates found no statistically significant relationship between stablecoin adoption and community bank deposit outflows. In fact, the overwhelming majority of stablecoin reserves remain in the traditional financial system — either in commercial bank accounts or in short-term Treasuries — where they continue to support liquidity and credit in the broader U.S. economy. The dire estimates rely on unrealistic assumptions that every dollar of stablecoin issuance permanently…

Author: BitcoinEthereumNews

2025/09/18

Ethereum (ETH) Price Aims for $10,000 as One ETH Token Gain Attention

Ethereum (ETH) Price Aims for $10,000 as One ETH Token Gain Attention

Ethereum’s (ETH) rally has no signs of letting up as analysts eye a climb to $10,000. However, attention is not only drawn to ETH. Mutuum Finance (MUTM), a recent entrant into decentralized finance (DeFi), is drawing attention for its lending and borrowing protocol that offers real-world utility within an increasingly crowded market.  Mutuum Finance is […]

Author: Cryptopolitan

2025/09/18

Is Hyperliquid the new frontier for innovation?

Is Hyperliquid the new frontier for innovation?

The post Is Hyperliquid the new frontier for innovation? appeared on BitcoinEthereumNews.com. This is a segment from the 0xResearch newsletter. To read full editions, subscribe. One of the key things I like to track in crypto is a subjective criterion I call “where are new interesting developments and proposals taking place.” There are plenty of dashboards and analytics sites for this, the most popular being the Electric Capital site. The issue is that it still shows Polkadot as having a lot of developers. (At Blockworks we solved the noise problem with active users; maybe we can try the same for active developers.) Because of this noise, I prefer to track two simple observations: What is the velocity of new products launching, and how much mindshare are these products capturing? Are many people getting nerdsniped into discussing the novelties and intricacies of the chain? A related point is the caliber of people being attracted to new ecosystems. For example, over the past few years, Solana (and Ethereum) attracted the majority of talent. Talent generally goes where: It can solve interesting problems or create interesting projects. It can make a lot of money. In a podcast I did with Icebergy about a year ago, we discussed how crypto still wasn’t attracting talent at the levels AI was, despite offering faster exits and more money. AI was (and probably still is) more interesting to most talent and seen as more prestigious. After FTX, crypto lost a lot of credibility and has only recently started recovering as larger institutional players re-entered. Apart from FTX, crypto has also been criticized for being full of low-effort forks and limited utility products. This dynamic isn’t unique to crypto though. Many AI companies are also just building wrappers around GPT, which is as uninteresting as some projects in crypto. Anyway, to the point: Historically, Solana has captured the majority of…

Author: BitcoinEthereumNews

2025/09/18

Aave V4 roadmap signals end of multichain sprawl

Aave V4 roadmap signals end of multichain sprawl

The post Aave V4 roadmap signals end of multichain sprawl appeared on BitcoinEthereumNews.com. Aave Labs has released its official launch roadmap for V4, laying out the final steps ahead of the major upgrade’s Q4 mainnet launch.  Alongside new architectural and security improvements, the roadmap introduces a fundamental shift in how user balances are tracked and highlights a strategic pullback from economically underperforming deployments across layer-2 and alternative layer-1 networks. The V4 release moves away from aTokens’ rebasing-style mechanics toward ERC-4626-style share accounting, a change that promises cleaner integrations, easier tax treatment, and better compatibility with downstream DeFi infrastructure.  In a recent technical development update, Aave Labs confirmed that “tokenization is to remain optional and built using ERC 4626 vaults,” and that internal accounting will eliminate the use of exchange rates or scaled balances. The goal is to “further improve the overall reliability of the protocol.” ERC-4626 is a widely adopted Ethereum standard that expresses user deposits as shares of a vault rather than balances that grow over time. In Aave V3, aTokens accrue interest by increasing a user’s balance directly — behavior that resembles rebasing tokens and often confuses integrations and portfolio accounting tools.  By contrast, ERC-4626 tracks yield through a rising price-per-share metric, leaving token balances unchanged. The result is more predictable behavior for integrators, auditors and tax software, as well as a clearer cost basis for users. The roadmap also outlines a series of release milestones, including a formal codebase publication, a public testnet launch with a redesigned interface, and the completion of a multi-layered security review involving formal verification and manual audits. Aave Labs said the roadmap reflects the protocol’s “final stages of review, testing, and deployment,” and that additional documentation and launch preparation materials will be released in the coming weeks. But the most pointed strategic shift comes not from the codebase, but from Aave’s own governance forums. “Aave…

Author: BitcoinEthereumNews

2025/09/18

Asymmetric Research discloses Marginfi flash loan bug that risked $160M

Asymmetric Research discloses Marginfi flash loan bug that risked $160M

The post Asymmetric Research discloses Marginfi flash loan bug that risked $160M appeared on BitcoinEthereumNews.com. Marginfi, a Solana-based lending and borrowing protocol, has patched a critical vulnerability in its flash loan mechanism that briefly placed more than $160 million in user deposits at risk. The bug, disclosed by security researcher Felix Wilhelm through Marginfi’s bug bounty program, would have allowed an attacker to borrow funds without repaying them. The issue was resolved before any exploit occurred, and no funds were lost, according to Asymmetric Research’s report. Flash loans, a common DeFi feature, allow users to borrow nearly all available liquidity on the condition that the funds are repaid within the same blockchain transaction. Solana protocols typically enforce this by introspecting instructions in a transaction to ensure a repayment step is included. According to Asymmetric, Marginfi followed this approach but introduced a new instruction, transfer_to_new_account, that unintentionally bypassed repayment checks. This meant liabilities could be shifted to a new account mid-loan, enabling funds to be drained without triggering safeguards. The report indicates that the Marginfi team swiftly deployed a patch to block account transfers during flash loans and prevent disabled accounts from being used for repayment. While Solana’s architecture limits some common Ethereum-style exploits, the vulnerability underscores that logic errors remain a critical threat. The swift resolution demonstrates the role of bug bounty programs in preventing systemic losses. Similar past incidents, including attacks on Mango Markets and other Solana-based protocols, have shown how flash loan vulnerabilities can lead to multimillion-dollar losses. Marginfi representatives did not respond to Blockworks’ request for comment before publication. 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/marginfi-flash-loan-bug

Author: BitcoinEthereumNews

2025/09/18

Solana’s (SOL) Recent Rally May Impress, But Investors Targeting Life-Changing ROI Are Looking Elsewhere

Solana’s (SOL) Recent Rally May Impress, But Investors Targeting Life-Changing ROI Are Looking Elsewhere

The post Solana’s (SOL) Recent Rally May Impress, But Investors Targeting Life-Changing ROI Are Looking Elsewhere appeared on BitcoinEthereumNews.com. Solana’s (SOL) latest rally has attracted investors from all over, but the bigger story for vision-minded investors is where the next surges of life-altering returns are heading.  As Solana continues to see high levels of ecosystem usage and network utilization, the stage is slowly being set for Mutuum Finance (MUTM).  MUTM is priced at $0.035 in its fast-growing presale. Price appreciation of 14.3% is what the investors are going to anticipate in the next phase. Over $15.85 million has been raised as the presale keeps gaining momentum. Unlike the majority of the tokens surfing short-term waves of hype, Mutuum Finance is becoming a utility-focused choice with more value potential and therefore an increasingly better option for investors looking for more than price action alone. Solana Maintains Gains Near $234 As Speculation Persists Solana (SOL) is trading at $234.08 currently, holding its 24hr range around $234.42 to $248.19 as it illustrates the recent trend. The token has recorded strong seven-day gains of nearly 13%, far exceeding most of its peers, as it is supported by rising volume and institutional buying. Resistance is at $250-$260, and support appears to be at $220-$230, and thus these are significant levels for potential breakout or pullback.  However, new DeFi crypto Mutuum Finance, is being considered by market watchers to have more upside potential, being still in presale.  Mutuum Finance Phase 6 Presale Mutuum Finance is currently in Presale Stage 6 and offering tokens for $0.035. Presale has been going on very fast, and investors have raised over $15.85 million. The project also looks forward to a USD-pegged stablecoin on the Ethereum blockchain for convenient payments and as a keeper of long-term value. Mutuum Finance is a dual-lending, multi-purpose DeFi platform that benefits borrowers and lenders alike. It provides the network to retail as well as…

Author: BitcoinEthereumNews

2025/09/18

Tokenized Assets Shift From Wrappers to Building Blocks in DeFi

Tokenized Assets Shift From Wrappers to Building Blocks in DeFi

The post Tokenized Assets Shift From Wrappers to Building Blocks in DeFi appeared on BitcoinEthereumNews.com. RWAs are rapidly moving on-chain, unlocking new opportunities for investors and DeFi protocols, according to a new report from Dune and RWAxyz. Tokenized real-world assets (RWAs) are moving beyond digital versions of traditional securities to become key building blocks of decentralized finance (DeFi), according to the 2025 RWA Report from Dune and RWAxyz. The report notes that Treasuries, bonds, credit, and equities are now being used in DeFi as collateral, trading instruments, and yield products. This marks tokenization’s “real breakthrough” – composability, or the ability to combine and reuse assets across different protocols. Projects are already showing how this works in practice. Asset manager Maple Finance’s syrupUSDC, for example, has grown to $2.5 billion, with more than 30% placed in DeFi apps like Spark ($570 million). Centrifuge’s new deJAAA token, a wrapper for Janus Henderson’s AAA CLO fund, is already trading on Aerodrome, Coinbase and other exchanges, with Stellar planned next. Meanwhile, Aave’s Horizon RWA Market now lets institutional users post tokenized Treasuries and CLOs as collateral. This trend underscores a bigger shift: RWAs are no longer just copies of traditional assets; instead, they are becoming core parts of on-chain finance, powering lending, liquidity, and yield, and helping to close the gap between traditional finance (TradFi) and DeFi. “RWAs have crossed the chasm from experimentation to execution,” Sid Powell, CEO of Maple Finance, says in the report. “Our growth to $3.5B AUM reflects a broader shift: traditional financial services are adopting crypto assets while institutions seek exposure to on-chain markets.” Investor demand for higher returns and more diversified options is mainly driving this growth. Tokenized Treasuries proved there is strong demand, with $7.3 billion issued by September 2025 – up 85% year-to-date. The growth was led by BlackRock, WisdomTree, Ondo, and Centrifuge’s JTRSY (Janus Henderson Anemoy Treasury Fund). Spark’s $1…

Author: BitcoinEthereumNews

2025/09/18

Taiko and Chainlink to Unleash Reliable Onchain Data for DeFi Ecosystem

Taiko and Chainlink to Unleash Reliable Onchain Data for DeFi Ecosystem

Taiko and Chainlink Data Streams to deliver secure, high-speed onchain data by empowering next-generation DeFi protocols and institutional-grade adoption.

Author: Blockchainreporter

2025/09/18

New Crypto Investors Are Rushing To Back This Viral Meme Coin After 100x Gains Mentioned; It’s Not Dogecoin

New Crypto Investors Are Rushing To Back This Viral Meme Coin After 100x Gains Mentioned; It’s Not Dogecoin

While Dogecoin remains one of the most recognized names in crypto, a fresh contender is now taking center stage: Layer […] The post New Crypto Investors Are Rushing To Back This Viral Meme Coin After 100x Gains Mentioned; It’s Not Dogecoin appeared first on Coindoo.

Author: Coindoo

2025/09/18

Ripple (XRP) vs Mutuum Finance (MUTM): Which is the Best Altcoin to Buy Right Now to Turn $420 into $24,000?

Ripple (XRP) vs Mutuum Finance (MUTM): Which is the Best Altcoin to Buy Right Now to Turn $420 into $24,000?

Investors are pitting popular names like Ripple’s XRP against up-and-coming coins like Mutuum Finance (MUTM). While XRP continues to hold its position as a cross-border payments play with safe partnerships, Mutuum Finance is generating fresh interest for its lending and borrowing protocol that has the potential to redefine real-world utility in DeFi. Mutuum Finance is […]

Author: Cryptopolitan

2025/09/18

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