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.

15868 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Altcoins To Buy Now For Huge Gains Potential: $FROGE, $GHOST, $EDEL, $SOL

Altcoins To Buy Now For Huge Gains Potential: $FROGE, $GHOST, $EDEL, $SOL

Meanwhile, large-cap cryptocurrencies like $SOL are attempting a comeback despite the disheartening market dip. With this in mind, traders must […] The post Altcoins To Buy Now For Huge Gains Potential: $FROGE, $GHOST, $EDEL, $SOL appeared first on Coindoo.

Author: Coindoo
Revolutionary: Target Joins OpenAI’s Explosive Retail App Ecosystem with ChatGPT Integration

Revolutionary: Target Joins OpenAI’s Explosive Retail App Ecosystem with ChatGPT Integration

BitcoinWorld Revolutionary: Target Joins OpenAI’s Explosive Retail App Ecosystem with ChatGPT Integration The retail landscape is undergoing a seismic shift as Target becomes the latest major player to join OpenAI’s rapidly expanding ecosystem of retail apps. This groundbreaking partnership signals a new era in how consumers interact with brands, blending artificial intelligence with everyday shopping experiences in ways that could redefine commerce as we know it. OpenAI […] This post Revolutionary: Target Joins OpenAI’s Explosive Retail App Ecosystem with ChatGPT Integration first appeared on BitcoinWorld.

Author: bitcoinworld
Top Cryptos To Buy: Mutuum Finance (MUTM) and Ethereum (ETH) Set to Redefine the Market

Top Cryptos To Buy: Mutuum Finance (MUTM) and Ethereum (ETH) Set to Redefine the Market

Because of how rapidly the digital asset ecosystem changes, it is extremely important to evaluate strength and growth potential before making investments. Ethereum remains an industry standard, but new DeFi cryptos, like Mutuum Finance (MUTM), are getting Investor’s attention with game changing models. For investors creating a list of the top cryptos to buy, the […]

Author: Cryptopolitan
Bitcoin Hyper Presale Hits $28M: Next Crypto To Explode?

Bitcoin Hyper Presale Hits $28M: Next Crypto To Explode?

Quick Facts: ➡️ Bitcoin’s thesis is shifting from pure price action to real scalability and DeFi utility, with Layer-2 infrastructure taking center stage. ➡️ Bitcoin Hyper will use ZK rollups, an SVM execution layer, and a canonical $BTC bridge to deliver fast, low-fee, Bitcoin-secured DeFi and dApps. ➡️ As expected, the $HYPER presale just crossed […]

Author: Bitcoinist
Best Crypto to Buy Now – Internet Computer (ICP) Price Prediction

Best Crypto to Buy Now – Internet Computer (ICP) Price Prediction

While the rest of the altcoin market struggles, Internet Computer (ICP) briefly surged by nearly $5 billion in value earlier this month before retracing to just over $2 billion, igniting stronger enthusiasm for bullish $ICP price predictions. The token has climbed nearly 60% over the past month, defying the sharp downturn seen across most altcoins. […]

Author: The Cryptonomist
Best Stocks to Buy Today: ChatGPT Highlights Apple and Microsoft

Best Stocks to Buy Today: ChatGPT Highlights Apple and Microsoft

TLDR Apple receives Overweight rating with $285 target as analysts highlight 2.2 billion devices and AI-driven upgrade cycle Microsoft rated strong Buy as Azure accelerates and Copilot generates real AI revenue across enterprise customers Johnson & Johnson offers stability with 60-year dividend streak and strong pharmaceutical pipeline in oncology Zillow gets Buy ratings above $100 [...] The post Best Stocks to Buy Today: ChatGPT Highlights Apple and Microsoft appeared first on Blockonomi.

Author: Blockonomi
How does 1inch's Aqua, a shared liquidity protocol, revitalize dormant DeFi capital?

How does 1inch's Aqua, a shared liquidity protocol, revitalize dormant DeFi capital?

For a long time, fragmented liquidity and idle capital have been two major challenges that the DeFi sector has been trying to overcome. There are tens of thousands of liquidity pools in the market, but most of the billions of dollars are just dormant in the protocols and are difficult to pool together. On November 17, 1inch, a leading DEX aggregator, announced the launch of its liquidity protocol Aqua, aiming to play the role of "awakener" and drive the transformation of DeFi towards more refined liquidity management. Aqua has transitioned from an aggregator to an infrastructure provider and is now open to developers. The launch of Aqua marks a turning point in 1inch's recent strategic transformation. Initially, 1inch was known for its DEX aggregation capabilities, focusing on integrating optimal trading links and prices across DEXs for users. However, in recent years, 1inch's strategic focus has been shifting from pure retail aggregation services to becoming a B2B infrastructure provider. This initial release of Aqua wasn't directly aimed at general retail users; instead, it primarily focused on providing developer tools, including the SDK, libraries, and technical documentation. This developer-first strategy indicates that 1inch positions Aqua as a foundational protocol. Aqua employs a novel shared liquidity model that allows assets to be accessed and invoked concurrently and dynamically across multiple DeFi protocols, rather than being locked in separate liquidity pools as in traditional models. When announcing the agreement, 1inch co-founder Anton Bukov emphasized Aqua's core value to market makers: "Aqua addresses the liquidity fragmentation problem for market makers by stimulating the multiplier effect of effective capital. From now on, the only limit to capital efficiency will be the strategy itself." Another co-founder, Sergej Kunz, positions Aqua as "a scalable, capital-efficient underlying architecture for DeFi." Traditional DeFi capital efficiency is usually defined as the ability to pool capital within a single liquidity pool, but Aqua is attempting to elevate efficiency to a higher dimension: the ability to perform concurrent calls across protocols and policies. It features a self-custodied AMM, allowing liquidity to no longer be locked up. Before Aqua, mainstream AMM (Automated Market Maker) models widely adopted a "pooled custody" design, which required LPs (Liquidity Providers) to deposit and lock their assets in the protocol. However, this design caused two structural inefficiencies: Idle capital: Locked user funds can only execute a single strategy. According to data disclosed in the Aqua white paper, up to 85% of LP capital is idle, passively waiting for transactions to occur or price fluctuations to occur. Utility depletion: Once assets are locked, they cannot be used simultaneously for other DeFi activities, resulting in high opportunity costs. Limited partners (LPs) must make trade-offs between different DeFi activities, leading to the depletion of capital utility. Aqua introduced a new metric: TVU (Total Value Unlocked), which means that user funds will no longer be physically locked within the DeFi protocol, but will instead be dynamically managed through a licensing mechanism. Unlike traditional pooled custody systems, user funds remain in their own wallets at all times. They are only transferred or used according to pre-defined permissions when actual transactions or strategy execution occur. Aqua aims to leverage a self-custodial model to generate a multiplier effect on capital. User funds, while remaining in self-custodial, can be authorized to participate in multiple DeFi activities. For example, the same asset can simultaneously provide liquidity for an AMM, participate in DAO governance voting within a protocol, and act as collateral in lending protocols. This design significantly improves capital efficiency and application scenarios, creating a multiplier effect when used in combination. Aqua's core technological innovation is its registry authorization system, a design that decouples asset ownership and usage rights. Aqua itself does not directly hold assets; instead, it allocates virtual balances to LPs across different DeFi strategies within an internal registry. These virtual balances determine the share of underlying assets each strategy can access. This design allows different DeFi applications (such as AMMs, lending, or stablecoin liquidity pools) to simultaneously access the same underlying capital, achieving shared liquidity without requiring LPs to split or transfer funds across pools. For limited partners (LPs), this mechanism also provides granular permissions and risk control. They can set clear authorization and capital caps for each strategy, thereby limiting the use of funds. Once the strategy parameters are set, they are immutable, which helps improve code security and integration reliability, keeping risks within the specific, authorized policy scope. Unlike leading DEX protocol Uniswap V3, Aqua primarily focuses on addressing cross-strategy liquidity fragmentation. Uniswap V3's centralized liquidity model allows LPs to concentrate liquidity deployments within specific price ranges to improve capital efficiency in the pool, resulting in lower slippage for trades near those price intervals. However, V3 still requires funds to be locked in a position represented by an NFT (non-fungible token), which means liquidity remains fragmented and locked. If V3 solved the problem of "how to use capital more efficiently in a pool", then Aqua solved the problem of "how to provide liquidity to multiple pools with the same capital at the same time". The two are fundamentally different technical approaches. Innovation also has multiple limitations, and tokens have not yet benefited. Despite Aqua’s numerous technological innovations, its architectural design has also introduced new risks and variables. First, there are issues with transaction complexity and latency. Unlike the complexity of traditional AMM single-strategy transactions, Aqua's shared liquidity model involves interaction with multiple strategies, leading to increased transaction complexity. This can result in transaction latency, especially in large or high-frequency transactions, impacting the user experience. Secondly, there is path-dependent loss. When multiple strategies call the same underlying asset at the same time, but the actual balance of the wallet is lower than the sum of the virtual balances promised by all strategies, the transaction will be rolled back. However, Aqua will not automatically pause the strategy quotes, which may lock in unfavorable exposures during price fluctuations, similar to amplified gratuitous losses. LPs need to monitor in real time and manually cancel the strategy. Thirdly, there are security vector risks: 1) Since the registry relies on ERC-20 authorization and is immutable, the policy parameters cannot be modified once deployed. Initial configuration errors will be irreversible, meaning that 100% auditing must be performed correctly before going live, otherwise it will run with defects indefinitely; 2) Although self-hosting reduces the single point of failure risk of smart contract vulnerabilities, malicious or buggy policies may still steal funds within the scope of user authorization. Finally, there's the lack of token value capture. The white paper emphasizes that Aqua will support 1inch products and deepen ecosystem liquidity. As an inflection point in 1inch's infrastructure transformation, Aqua may indirectly increase 1inch's usage by increasing aggregator calls, thereby supporting the demand for the 1INCH token. However, the white paper doesn't mention 1INCH's direct role, such as fee burning or direct revenue sharing, which may limit the token's appreciation potential. Aqua points out a direction for DeFi liquidity management: shifting from "how much is locked" to "how much is used," but the unknown direction also means difficulties in implementation. After the front-end goes live in Q1 2026, the market will verify the real data to see if it is a feast of capital efficiency or just another narrative dragged down by complexity. Before the answer is revealed, rational approach and bold experimentation are currently the safest approach.

Author: PANews
What’s The Best Crypto To Invest Next? Buy This Before the Q4 V1 Launch Creates a 28× Surge

What’s The Best Crypto To Invest Next? Buy This Before the Q4 V1 Launch Creates a 28× Surge

The post What’s The Best Crypto To Invest Next? Buy This Before the Q4 V1 Launch Creates a 28× Surge appeared first on Coinpedia Fintech News Mutuum Finance (MUTM) is emerging as a strong contender for the crypto to buy now, even as markets face broader uncertainty and discussions of a crypto crash dominate headlines. The combination of dual lending markets and a governance-controlled stablecoin will generate recurring revenue channels. This revenue will support price growth as adoption scales, creating a …

Author: CoinPedia
Crypto Price Analysis 11-19: BITCOIN: BTC, ETHEREUM: ETH, SOLANA: SOL, INTERNET COMPUTER: ICP, OPTIMISM: OP

Crypto Price Analysis 11-19: BITCOIN: BTC, ETHEREUM: ETH, SOLANA: SOL, INTERNET COMPUTER: ICP, OPTIMISM: OP

The cryptocurrency market experienced a broad rebound over the past 24 hours, with major tokens returning to positive territory. According to data from CoinMarketCap, Bitcoin (BTC) has reclaimed $90,000 after falling to a low of $89,368 on Tuesday.

Author: Cryptodaily
Best Crypto Presales: 3 New Tokens With High Upside Potential

Best Crypto Presales: 3 New Tokens With High Upside Potential

The crypto presale market has taken a surprising turn. While the wider crypto industry struggled through October and November with heavy selling and big institutional outflows, ICOs suddenly became the hottest part of the market. New projects raised millions, launched with strong momentum, and gave early buyers huge profits, showing that capital is moving in […]

Author: The Cryptonomist