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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.

15513 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Basel Committee May Revise Crypto Rules to Ease Banks’ Bitcoin Exposure

Basel Committee May Revise Crypto Rules to Ease Banks’ Bitcoin Exposure

The post Basel Committee May Revise Crypto Rules to Ease Banks’ Bitcoin Exposure appeared on BitcoinEthereumNews.com. COINOTAG recommends • Exchange signup 💹 Trade with pro tools Fast execution, robust charts, clean risk controls. 👉 Open account → COINOTAG recommends • Exchange signup 🚀 Smooth orders, clear control Advanced order types and market depth in one view. 👉 Create account → COINOTAG recommends • Exchange signup 📈 Clarity in volatile markets Plan entries & exits, manage positions with discipline. 👉 Sign up → COINOTAG recommends • Exchange signup ⚡ Speed, depth, reliability Execute confidently when timing matters. 👉 Open account → COINOTAG recommends • Exchange signup 🧭 A focused workflow for traders Alerts, watchlists, and a repeatable process. 👉 Get started → COINOTAG recommends • Exchange signup ✅ Data‑driven decisions Focus on process—not noise. 👉 Sign up → The Basel Committee on Banking Supervision is set to revise its 2022 guidance on banks’ exposure to crypto assets in 2025, potentially easing capital requirements for stablecoins and encouraging greater bank involvement in digital assets, according to sources familiar with the discussions. Revision Timeline: Expected updates next year will address outdated rules that previously deterred banks from crypto activities. Stablecoin Treatment: Current equivalence to high-risk assets like Bitcoin is under review, with regulated stablecoins likely to face lower capital charges. Global Impact: Major economies including the US, UK, and EU have not fully implemented the 2022 standards, paving the way for more favorable policies amid stablecoin growth. Discover how the Basel Committee’s upcoming revisions to crypto guidance could open doors for banks in digital assets. Stay informed on regulatory shifts shaping the future of finance—read more now. What is the Basel Committee’s Revised Guidance on Banks’ Exposure to Crypto? The Basel Committee’s revised guidance on banks’ exposure to crypto aims to update the 2022 standards, making them more accommodating for digital assets, particularly stablecoins. This change follows discussions on…

Author: BitcoinEthereumNews

2025/11/01

Polygon Price Prediction: POL Holds $0.20 — CTK vs POL & Why ConstructKoin (CTK) Is a Top Crypto Presale 2025 Pick

Polygon Price Prediction: POL Holds $0.20 — CTK vs POL & Why ConstructKoin (CTK) Is a Top Crypto Presale 2025 Pick

Polygon (POL) is trading near $0.20, holding steady as Layer-2 and scalability narratives continue to draw developer activity and capital. With Polygon’s ecosystem focused on low fees, broad tooling, and strong developer adoption, traders are weighing established scaling plays against early-stage presales that promise asymmetric upside. One presale repeatedly cited by analysts as a top [...]]]>

Author: Crypto News Flash

2025/11/01

Big Banks Buy Bitcoin, Institutions Lean on Chainlink – Yet La Culex Turns $1k Into $307k Dreams as Best Crypto Presale to Buy Now

Big Banks Buy Bitcoin, Institutions Lean on Chainlink – Yet La Culex Turns $1k Into $307k Dreams as Best Crypto Presale to Buy Now

Big banks scoop Bitcoin, institutions adopt Chainlink for tokenized assets, yet La Culex steals the spotlight as the best crypto presale to buy now.

Author: Blockchainreporter

2025/11/01

5 Next 1000X Meme Coins Set to Explode This Week with MoonBull Leading the Surge

5 Next 1000X Meme Coins Set to Explode This Week with MoonBull Leading the Surge

Cryptocurrency enthusiasts are asking the big question: which meme coin could be the next to skyrocket? The world of meme […] The post 5 Next 1000X Meme Coins Set to Explode This Week with MoonBull Leading the Surge appeared first on Coindoo.

Author: Coindoo

2025/11/01

XRP Price Today: Ripple Struggles at $2.49 as Noomez ($NNZ) Presale Gains Momentum

XRP Price Today: Ripple Struggles at $2.49 as Noomez ($NNZ) Presale Gains Momentum

XRP Price Today at $2.49, down 2.59%. Ripple consolidates as Noomez ($NNZ) presale gains early traction with burns, audits, and a 28-stage deflationary model.

Author: Blockchainreporter

2025/11/01

tokenized assets market: Standard Chartered 2028 timeline

tokenized assets market: Standard Chartered 2028 timeline

The post tokenized assets market: Standard Chartered 2028 timeline appeared on BitcoinEthereumNews.com. As of 2025-10-31, the market for tokenized assets is spotlighted by a new institutional projection that frames rapid expansion and regulatory drivers. What is the projected tokenized asset market size? The analysis projects a market of $2 trillion by 2028, up from roughly $35 billion today — a rise of about 5,600% (as reported by The Block, quoting Standard Chartered). The forecast allocates roughly $750B to tokenized money market funds and $750B to tokenized listed equities, with other funds, private equity, commodities and real estate at $500B. Those buckets imply a market composition dominated by highly liquid, cash-like instruments and publicly listed exposures, supported by faster settlement and continuous trading windows. If realised, the scale would require expanded custody services, institutional-grade market makers, and clear legal wrappers to allow cross-border settlement of tokenized instruments. Investors should treat the projection as scenario analysis rather than a deterministic forecast; assumptions about technology adoption, counterparty risk and regulatory timing drive outcomes. Note: allocation details and timing should be verified against the full report and the original article for context and assumptions. How will tokenized asset change DeFi lending markets? According to the analysis, stablecoins have paved the way for broader tokenization by increasing awareness, liquidity and on-chain lending activity. “Stablecoins have laid the groundwork for other asset classes — from tokenized money market funds to tokenized equities — to scale onchain,” said Geoffrey Kendrick, head of digital assets research at Standard Chartered. This dynamic positions tokenized money market funds (forecast at $750B) as a potential backbone of short-term on‑chain funding, supporting lending desks and liquidity providers across both centralized and decentralized venues. How does DeFi lending affect liquidity and yields? DeFi lending protocols can widen access to credit and reduce intermediation, which may compress lending spreads relative to traditional markets. The report notes…

Author: BitcoinEthereumNews

2025/11/01

EUR/CHF holds near two-week highs as Swiss Franc weakens on fading safe-haven demand

EUR/CHF holds near two-week highs as Swiss Franc weakens on fading safe-haven demand

The post EUR/CHF holds near two-week highs as Swiss Franc weakens on fading safe-haven demand appeared on BitcoinEthereumNews.com. The Euro (EUR) trades on the front foot against the Swiss Franc (CHF) on Friday as fading safe-haven demand keeps the CHF under pressure. At the time of writing, EUR/CHF is trading around 0.9287, holding firm near a two-week high as investors digest the latest Eurozone inflation figures. Preliminary data released by Eurostat showed that the Core Harmonized Index of Consumer Prices (HICP) rose 0.3% MoM in October, accelerating from 0.1% in September. On an annual basis, core inflation stood at 2.4% YoY, slightly above the 2.3% consensus and unchanged from September. Meanwhile, headline HICP inflation increased 0.2% MoM in October, compared with a 0.1% increase in September. On a yearly basis, headline inflation eased to 2.1%, in line with forecasts, down from 2.2% in the prior month. The preliminary data show price growth continuing to move closer to the European Central Bank’s (ECB) 2% target, supporting the central bank’s current “on-hold” stance. On Thursday, the ECB left all three key policy rates unchanged, with the Deposit Facility, Main Refinancing, and Marginal Lending Rates holding steady at 2.00%, 2.15%, and 2.40%, respectively. The Governing Council noted that inflation is now near its medium-term target, and its overall assessment of the inflation outlook remains broadly unchanged. On the Swiss side, the latest data showed that Real Retail Sales rose 1.5% YoY in September, beating the forecast of 0.3% and rebounding from a -0.4% decline in August. On Thursday, Swiss National Bank (SNB) Governing Board Member Petra Tschudin reiterated that the SNB’s monetary policy remains expansive and that inflation is expected to stay within the range of price stability. She emphasized that the level of the Franc is not important in itself, but rather its impact on inflation, adding that the central bank is prepared to intervene in the currency market if…

Author: BitcoinEthereumNews

2025/11/01

2025 On-Chain Fees Set to Reach Nearly $20 Billion

2025 On-Chain Fees Set to Reach Nearly $20 Billion

The post 2025 On-Chain Fees Set to Reach Nearly $20 Billion appeared on BitcoinEthereumNews.com. As the blockchain sector transitions from speculative booms to sustainable growth, on-chain fees have emerged as a critical barometer of economic maturity. According to a recent report, the on-chain economy is on track to generate $19.8 billion in fees for 2025. This indicates a shift toward sustainable, usage-driven economics across decentralized finance (DeFi) and Web3 ecosystems. Sponsored The State of the On-Chain Economy in 2025 In a recent report, 1kx.capital revealed that on-chain fees in 2025 are more than 10 times higher than in 2020, representing a compound annual growth rate (CAGR) of about 60%. Users spent $9.7 billion during the first half of 2025. This marked the highest first-half total on record and a 41% rise from the prior year. This figure even surpasses 2021, when fees reached $9.5 billion in the same period. “Back then fee generation was driven by billions of dollars in user-incentives, related speculation and a few costly PoW blockchains. Today fees are generated primarily by applications, led by financial use cases but expanding rapidly into DePINs, Wallets, and consumer apps (each with >200% YoY growth),” the report read. On-Chain Fee Growth in 2025. Source: 1kx.capital 1kx.capital added that the average transaction fee dropped by 86%, driven mostly by Ethereum (ETH). The network accounted for over 90% of the decline. As transaction costs fell, participation in the ecosystem accelerated. Sponsored Average daily transactions rose 2.7 times compared to the second half of 2021. The number of wallets making monthly transactions also surged to 273 million in the first half of 2025, a 5.3-fold increase. In parallel, the range of fee-generating protocols expanded, climbing from just 125 in 2021 to 969 in H1 2025. “Based on end of Q3 data, 2025 fees are projected at $19.8 billion – up 35% YoY, but still 18% below 2021…

Author: BitcoinEthereumNews

2025/10/31

TON Goes Multi-Chain with Chainlink’s CCIP and Data Streams

TON Goes Multi-Chain with Chainlink’s CCIP and Data Streams

The post TON Goes Multi-Chain with Chainlink’s CCIP and Data Streams appeared on BitcoinEthereumNews.com. Key Highlights: Chainlink integrates CCIP and Data Streams with TON. TON now gains real-time, sub-second price data for faster and more reliable DeFi execution. The Graph (GRT) also adopts CCIP. Chainlink has expanded its Cross-Chain Interoperability Protocol (CCIP) and Data Streams to the TON blockchain, marking a big step for TON’s growth as a fast and connected DeFi network. With this move, TON can now move safely, without any manual approvals across more than 60 major blockchains using Chainlink’s Cross-Chain Token (CCT) standard, helping TON become a key link in the global multi-chain economy. Additionally, Chainlink Data Streams brings ultra-fast, real-time market data to TON, which will allow developers to work to faster and build highly responsive apps, including complex cross-chain financial products. Chainlink announces TON adopting CCIP Key Features of Chainlink and TON Integration With this integration, Chainlink’s oracle technology will be used as the main cross-chain system for Toncoin. In short, TON and Toncoin are now plugged into Chainlink’s large network of blockchains that support CCIP, and will allow projects and tokens that are already using CCIP to easily connect with TON. This cross-chain link will provide TON access to new markets, more liquidity, and more users across the Web3 ecosystem. It allows assets and protocols to move without any hassle between chains, improving how easily projects can work together and share liquidity. Thodoris Karakostas, Director of Blockchain Partnerships at Chainlink Labs commented “With Chainlink CCIP powering cross-chain transfers of Toncoin via the Cross-Chain Token (CCT) standard and Data Streams delivering low-latency price data, developers and users on TON now have the infrastructure to build and use advanced DeFi applications that scale across chains and markets. By connecting TON to CCIP’s growing network of supported chains, we’re enabling a new level of cross-chain liquidity and composability for the…

Author: BitcoinEthereumNews

2025/10/31

AI Revolution: Adam Secures $4.1M to Transform 3D Design with Advanced CAD Copilot

AI Revolution: Adam Secures $4.1M to Transform 3D Design with Advanced CAD Copilot

BitcoinWorld AI Revolution: Adam Secures $4.1M to Transform 3D Design with Advanced CAD Copilot In the rapidly evolving landscape of technology, where artificial intelligence is reshaping industries from finance to healthcare, a groundbreaking startup named Adam is making waves in the world of design. Fresh out of Y Combinator’s Winter 2025 batch, Adam has successfully closed a significant Fundraising round, securing $4.1 million in seed capital. This substantial investment is set to propel its viral text-to-3D tool into an advanced AI copilot, promising to revolutionize professional computer-aided design (CAD) workflows. For our tech-savvy audience, this isn’t just another startup story; it’s a testament to how innovative AI applications are attracting serious capital and poised to redefine how we interact with digital creation. The Ascendance of AI in Creative Design Adam initially captured widespread attention by launching a text-to-3D model application that generated over 10 million social media impressions. This viral success wasn’t just a fleeting moment; it was a clear signal of the immense potential for AI in simplifying complex design tasks. CEO Zach Dive highlighted how the startup’s unique approach attracted numerous investors, leading to unsolicited term sheets. The core vision for Adam, supported by lead investor TQ Ventures, involves a strategic two-phase rollout: first, a consumer-focused product, followed by a robust enterprise solution. This consumer-first strategy proved effective, validating the technology’s appeal before tackling the intricacies of professional-grade applications. The rapid advancements in AI models exceeded Adam’s expectations, accelerating their timeline for launching an enterprise-ready copilot by the end of the year. Redefining CAD Workflows with Intelligent Assistance Adam’s journey from a consumer-friendly tool to an enterprise-grade solution is rooted in its ambition to transform CAD. While its initial offering allowed creators without specialized CAD skills to generate 3D models from text prompts, early feedback revealed that text wasn’t always the most intuitive interface for complex 3D interactions. This insight led to the development of their upcoming AI copilot, which blends various interaction paradigms. Users will be able to select specific parts of a 3D object and engage in a conversational design process, offering a more dynamic and intuitive experience. This differentiation is crucial, especially with emerging competition in the ‘AI copilot for CAD’ segment, such as MecAgent. Adam aims to leverage its viral launch momentum to establish a strong foothold, streamlining time-consuming tasks for engineers and enhancing their daily work without replacing their expertise. The initial focus will be on mechanical engineering, helping professionals generate feature-rich parametric designs in popular CAD programs like Onshape, known for its cloud-based approach. From Text to Tangible: The Power of 3D Models for Everyone The initial success of Adam was built on its ability to democratize the creation of 3D Models. By allowing anyone to generate complex 3D objects from simple text prompts, the startup unlocked a new level of accessibility for makers and hobbyists. This broad appeal demonstrated the hunger for intuitive design tools that bypass the steep learning curve traditionally associated with professional CAD software. While the early focus was on helping amateurs create fun objects, this foundational experience provided invaluable insights into user interaction and the capabilities of AI-driven design. The evolution towards a copilot signifies a move to empower professionals, ensuring that the technology can handle the precision and complexity required for industrial applications. The transition from basic text prompts to a multi-modal conversational interface ensures that the creation of 3D models becomes more precise and adaptable to diverse user needs. The Y Combinator Edge: Validation and Acceleration Being an alum of Y Combinator‘s Winter 2025 batch provided Adam with significant validation and an accelerated path to growth. YC’s rigorous selection process and mentorship are highly regarded in the startup ecosystem, giving Adam immediate credibility. This endorsement, combined with the viral launch, created a fertile ground for attracting both capital and talent. The co-founders, Zach Dive and Aaron Li, both graduates of UC Berkeley’s Master of Design program, recognized the need for specialized AI and engineering talent to further develop models capable of ‘reasoning in space.’ The YC network, along with the buzz generated, played a crucial role in ongoing hiring efforts. Prominent figures like Trevor Blackwell (a YC co-founder) investing as an angel further solidifies the startup’s pedigree. Strategic Fundraising Fuels Future Innovation The $4.1 million seed Fundraising round is a critical milestone for Adam, providing the necessary capital to execute its ambitious roadmap. TQ Ventures led the round, with participation from 468 Capital, Pioneer, Script Capital, and Transpose Platform. Beyond institutional backing, Adam also garnered support from influential angel investors, including Tim Glaser (Posthog), Trevor Blackwell (YC), and Theo Browne (T3 Chat). Guillermo Rauch, founder of Vercel, even lauded Adam as ‘the v0 of CAD,’ acknowledging its simplified, faster, and broader reach. This diverse investor base, coupled with their shared vision for the future of computer-aided design, ensures Adam has both financial resources and strategic guidance. The startup is already monetizing through standard and pro plans, starting at $5.99 and $17.99 per month, and is actively testing its upcoming enterprise offering, laying the groundwork for significant future revenue streams. Adam’s journey from a viral text-to-3D tool to an ambitious AI copilot for professional CAD workflows exemplifies the transformative power of artificial intelligence. By strategically balancing consumer appeal with enterprise-grade functionality, and securing substantial funding from aligned investors, Adam is poised to redefine how we interact with 3D design. The shift towards conversational interfaces and integration with industry-standard platforms like Onshape marks a significant step towards a future where AI empowers engineers and designers to create with unprecedented efficiency and intuition. This is more than just a new tool; it’s a vision for the future of design, made accessible by cutting-edge AI. Frequently Asked Questions (FAQs) What is Adam and what problem does it solve? Adam is an AI startup that began with a viral text-to-3D tool, allowing users to create 3D models from text prompts. It solves the problem of complex and time-consuming CAD workflows by developing an AI copilot to streamline professional design tasks, initially focusing on mechanical engineering. Who are the founders of Adam? Adam was co-founded by Zach Dive (CEO) and Aaron Li (CPO). Both graduated from UC Berkeley‘s Master of Design program. Who led Adam’s seed funding round? The $4.1 million seed round for Adam was led by TQ Ventures. Other participating funds included 468 Capital, Pioneer, Script Capital, and Transpose Platform. Angel investors included Tim Glaser (Posthog), Trevor Blackwell (YC), and Theo Browne (T3 Chat). How does Adam’s AI copilot differ from existing CAD tools? Adam’s AI copilot aims to differentiate itself by blending various interaction paradigms beyond just text prompts. For example, users will be able to select parts of a 3D object and converse with it, offering a more intuitive and interactive design process. This approach is designed to streamline tasks in popular CAD programs like Onshape, rather than replacing engineers. What is Adam’s strategy for market entry and growth? Adam’s strategy is to go consumer-first, then transition to enterprise. After gaining viral traction with its mainstream text-to-3D product, it is now developing an AI copilot for professional CAD workflows. This allows them to build a broad user base and refine their technology before tackling the specific needs of engineers and businesses. They already have paying customers for standard and pro plans and are testing an enterprise offering. To learn more about the latest AI market trends, explore our article on key developments shaping AI models features. This post AI Revolution: Adam Secures $4.1M to Transform 3D Design with Advanced CAD Copilot first appeared on BitcoinWorld.

Author: Coinstats

2025/10/31

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