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.

15478 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Jiuzi Holdings Launches $1 Billion Bitcoin Treasury with SOLV to Drive Institutional Yields and RWA Innovation

Jiuzi Holdings Launches $1 Billion Bitcoin Treasury with SOLV to Drive Institutional Yields and RWA Innovation

Jiuzi Holdings Launches $1 Billion Bitcoin Treasury with SOLV to Drive Institutional Yields and RWA Innovation

Author: Cryptodaily
Solana Price Prediction 2025 – SOL Targets $205.73

Solana Price Prediction 2025 – SOL Targets $205.73

The post Solana Price Prediction 2025 – SOL Targets $205.73 appeared on BitcoinEthereumNews.com. Crypto News The latest Solana price prediction shows SOL targeting $205.73 as traders eye Noomez ($NNZ), a 28-stage presale built on deflationary, on-chain growth. The latest Solana price prediction shows SOL staying near $198 as the market remains stable. Technical indicators are balanced, with RSI readings showing a small accumulation rather than major shifts. Analysts expect SOL to hold above its support while targeting $205.73 in the short term. Although the upside momentum is limited, investor confidence in Solana’s network stability remains strong. At the same time, attention is turning to Noomez ($NNZ), a live presale project blending meme appeal with deflationary mechanics, drawing early interest from traders looking for structured growth as Solana cools off. Solana’s Technical Setup and Market Sentiment Solana continues to move within a neutral trading range as indicators show a balanced setup. The 50-day simple moving average sits around $211, slightly above the current price, while the 200-day SMA at $173 signals a stable long-term trend. The RSI at 47.19 confirms neutral momentum, suggesting traders remain cautious but not bearish.Support levels at $189 and $177 have held strong, while resistance appears near $201 and $213. This range reflects steady participation without strong conviction either way, reinforcing a short-term Solana crypto price prediction of limited movement until volume or sentiment improves. Although momentum is slow, the consistent defense of lower levels shows investor confidence in Solana’s broader ecosystem strength, particularly its growing role in DeFi, NFT infrastructure, and scalable on-chain applications that continue to attract developers even during consolidation phases. Solana Price Prediction 2025 and Beyond Analysts watching the Solana price prediction 2025 expect gradual growth driven by active network use and renewed investor confidence. Current projections place the average price around $215, with a year-end range between $195 and $221 if broader crypto sentiment remains…

Author: BitcoinEthereumNews
New Crypto Coin Price Prediction: The Next Cryptocurrency to 50x Under $1?

New Crypto Coin Price Prediction: The Next Cryptocurrency to 50x Under $1?

Mutuum Finance (MUTM) is one of the new crypto many investors are looking at when searching for an opportunity of less than $1. According to analysts, MUTM is a unique low-priced crypto that strives to reinvent the concept of decentralized lending. Its increasing momentum, strong tokenomics, and forthcoming V1 launch have prompted some observers to […]

Author: Cryptopolitan
Stablecoins Aren’t a Threat — They’re America’s Secret Weapon, Says Coinbase

Stablecoins Aren’t a Threat — They’re America’s Secret Weapon, Says Coinbase

The post Stablecoins Aren’t a Threat — They’re America’s Secret Weapon, Says Coinbase appeared on BitcoinEthereumNews.com. A recent report by Coinbase argues that the US government’s stablecoin activation policies are primarily designed to bolster the dollar’s global hegemony, thus serving this purpose rather than purely domestic ones. The report challenges the notion that stablecoins threaten commercial banks’ deposit and lending functions, emphasizing the need to understand user demand and usage patterns. Debunking the “Bank Killer” Myth On Thursday, Faryar Shirzad, Coinbase’s Chief Policy Officer, pointed out on his X account that “The ‘stablecoins will destroy bank lending’ narrative ignores reality.” Sponsored Sponsored He explained that the demand for stablecoins predominantly originates outside the United States, effectively extending the dollar’s global dominance. Shirzad drew a historical parallel, noting that similar concerns arose during money market funds (MMFs) advent. “Stablecoins are doing for payments what money market funds did for savings: forcing innovation through competition,” Shirzad argued. “Faster, cheaper, programmable transactions aren’t a threat—they’re overdue progress.” Yield Concerns vs Global Utility Financial institutions on Wall Street have recently pressed for additional stablecoin regulations, particularly regarding interest payments. The GENIUS Act, enacted in July, prohibits interest payments on payment-oriented stablecoins. However, stablecoins outside direct payment contexts can still yield through DeFi or CeFi platforms. Banking interest groups, including the American Bankers Association, the Bank Policy Institute, and the Consumer Bankers Association, have voiced concerns that such developments could lead to an outflow of bank deposits. Massive Deposit Outflow Concern Is Not the Issue A US Treasury Department study from April estimated a massive potential deposit outflow. Specifically, the study concluded that the banking system could lose up to $6.6 trillion if stablecoins enabled universal interest payments. However, Coinbase’s report asserts that these arguments overlook the actual use cases for stablecoins. According to Coinbase, the majority of stablecoin demand comes from international users seeking “dollar exposure.” In emerging economies, stablecoins are leveraged…

Author: BitcoinEthereumNews
USD/CAD picks up to 1.3950 amid a firmer US Dollar

USD/CAD picks up to 1.3950 amid a firmer US Dollar

The post USD/CAD picks up to 1.3950 amid a firmer US Dollar appeared on BitcoinEthereumNews.com. The US Dollar is regaining lost ground against the Loonie, amid broader Greenback strength as markets ponder the scope of the Sino-US trade deal. The pair bounced from one-month lows near 1.3880 on Wednesday and is extending gains to test Wednesday’s high, at 1.3954, which, so far, keeps holding bulls. US President Donald Trump and his Chinese counterpart, Xi Jinping, have reached a deal to lower tariffs on Chinese products, while China will keep rare-earth trade flowing, resume purchases of US soybeans, and tackle the illegal trade of fentanyl. Details of the agreement have been scarce, but Trump has deemed the meeting “amazing”, and the Chinese Premier Xi affirmed that they reached a consensus on “important economic and trade issues” to solve their problems, according to a report by the state-owned Xinhua news agency. The US Dollar jumped from lows on Wednesday following the Federal Reserve’s monetary policy decision. The bank cut rates by 25 basis points, as widely expected, but Chairman Jerome Powell rattled markets, warning that a December rate cut is far from guaranteed, and sent the US Dollar higher against its main peers. Somewhat earlier, the Canadian Dollar got a boost from a “hawkish rate cut” by the Bank of Canada (BoC). The central bank met expectations and lowered its benchmark interest rate by 25 basis points to 2.25%, but Governor Tiff Macklem struck an unexpectedly hawkish tone at the ensuing press conference, suggesting that the BoC might have reached the end of the easing cycle. Central banks FAQs Central Banks have a key mandate which is making sure that there is price stability in a country or region. Economies are constantly facing inflation or deflation when prices for certain goods and services are fluctuating. Constant rising prices for the same goods means inflation, constant lowered prices…

Author: BitcoinEthereumNews
Jack Ma’s Ant Group expands into Latin America with fintech push

Jack Ma’s Ant Group expands into Latin America with fintech push

Ant Group is investing in Latin America by partnering with lending company R2 to help small businesses get credit.

Author: Cryptopolitan
Digital Euro: Unlocking a New Era for European Finance by 2029

Digital Euro: Unlocking a New Era for European Finance by 2029

BitcoinWorld Digital Euro: Unlocking a New Era for European Finance by 2029 The financial landscape of Europe is on the cusp of a profound transformation. The European Central Bank (ECB) has laid out an ambitious roadmap for the Digital Euro, with a pilot phase expected to commence by 2027 and a full launch projected for 2029. This significant development promises to reshape how we perceive and interact with money within the Eurozone, bringing the traditional concept of currency into the digital age. For anyone interested in the future of finance, central bank innovations, or the evolving role of digital assets, this initiative marks a critical juncture. Let’s dive into what this means for you, businesses, and the broader economy. What is the Digital Euro and Why is it Essential Now? At its core, the Digital Euro is a central bank digital currency (CBDC), a digital form of fiat money issued and backed by the European Central Bank. Unlike cryptocurrencies like Bitcoin, which are decentralized, or commercial bank digital money, which is a liability of private banks, the Digital Euro would be a direct liability of the ECB. This distinction is crucial, as it offers the same safety and trust as physical banknotes, but in a digital format. So, why is the ECB pursuing this now? Several factors underscore its necessity: Digitalization of Payments: Society is rapidly moving towards cashless transactions. The Digital Euro would provide a public, digital payment option that keeps pace with this trend, ensuring everyone has access to a modern payment method. Ensuring Monetary Sovereignty: In an increasingly digital world, where private digital currencies and foreign CBDCs could gain traction, the Digital Euro would safeguard Europe’s monetary autonomy and strategic independence in payments. Providing a Risk-Free Digital Option: It offers a risk-free alternative to private digital money, reducing systemic risks in the payment system and enhancing financial stability. Supporting Financial Inclusion: A public digital currency can ensure that everyone, including those who are unbanked or underbanked, has access to basic payment services. Boosting Innovation: It could serve as a platform for new payment services and foster innovation in the European financial sector, creating new opportunities for businesses. The vision is clear: to offer a universally accessible, efficient, secure, and privacy-preserving digital means of payment for all citizens and businesses across the Eurozone. The ECB’s Ambitious Timeline: Pilot by 2027, Full Launch by 2029 The journey towards an ECB digital currency is a multi-stage process, meticulously planned to ensure robustness and widespread acceptance. The ECB has moved past its initial investigation phase and is now firmly in the preparation phase, setting the stage for the crucial pilot and eventual launch. The timeline can be broadly understood in these key stages: Investigation Phase (2021-2023): This phase focused on identifying potential use cases, designing the functional requirements, and exploring various technical solutions for the Digital Euro. Preparation Phase (2023-2025): Currently underway, this phase involves developing the rulebook for the Digital Euro, selecting potential providers for its technical implementation, and conducting further testing and experimentation. Pilot Phase (Target 2027): This will be a critical period where the technical solutions and operational procedures will be rigorously tested in a controlled environment. It will involve a limited rollout to assess functionality, user experience, and overall system performance. This phase is crucial for identifying and resolving any unforeseen challenges before a broader launch. Legislative Approval and Launch (Target 2029): Following a successful pilot and subject to political endorsement from European legislators, the ECB aims for a full launch of the Digital Euro by 2029. This would involve making the digital currency available to the public across all Eurozone countries. This phased approach allows for flexibility, learning, and adaptation, ensuring that the final product is secure, user-friendly, and meets the diverse needs of European citizens and businesses. Here’s a snapshot of the key milestones: Milestone Approximate Year Description Investigation Phase Concludes 2023 Initial research and design decisions, identifying core features. Preparation Phase Begins 2024 Developing the rulebook, technical specifications, and provider selection. Pilot Phase Commences 2027 Controlled testing of the digital euro’s functionality and integration. Legislative Approval & Full Launch 2029 Public rollout following political and legal endorsement. Benefits and Challenges of a Eurozone CBDC: A Balanced View The introduction of a Eurozone CBDC, specifically the Digital Euro, brings with it a host of potential benefits, but also presents significant challenges that the ECB and European policymakers must carefully navigate. Understanding both sides is key to appreciating the complexity of this undertaking. Potential Benefits: Enhanced Payment Efficiency: The Digital Euro could enable faster, cheaper, and more efficient payments, especially for cross-border transactions within the Eurozone, by streamlining existing payment infrastructures. Greater Financial Inclusion: It can provide a universally accessible payment instrument, ensuring that all citizens, regardless of their banking status, have access to basic digital payment services, fostering greater equity. Strengthening Monetary Sovereignty: By offering a European alternative to private digital currencies and foreign CBDCs, it reinforces the Eurozone’s control over its monetary policy and financial stability. Resilience and Robustness: As a public infrastructure, the Digital Euro would be designed to be resilient against various threats, including cyberattacks and power outages, ensuring continuous payment services. Catalyst for Innovation: It could act as a stable base layer for new financial products and services, encouraging private sector innovation within a secure and regulated framework. Significant Challenges: Privacy Concerns: One of the most frequently raised issues is user privacy. While the ECB aims for a high degree of privacy, ensuring that transaction data is protected from both state and commercial surveillance remains a delicate balance. Impact on Commercial Banks: There are concerns that a widely adopted Digital Euro could lead to ‘disintermediation,’ where deposits shift from commercial banks to the central bank, potentially impacting banks’ lending capacity and profitability. Cybersecurity Risks: As a critical digital infrastructure, the Digital Euro system would be a prime target for cyberattacks. Robust security measures are paramount to protect user funds and maintain public trust. Achieving Widespread Adoption: Convincing citizens and businesses to adopt a new form of money, especially when existing digital payment options are prevalent, will require significant public education and compelling use cases. Preventing Illicit Activities: While aiming for privacy, the Digital Euro must also incorporate mechanisms to combat money laundering and terrorist financing, striking a balance between privacy and regulatory compliance. How Does the Digital Euro Compare to Other CBDCs Globally? The global race for a CBDC is intensifying, with numerous central banks exploring or actively developing their own digital currencies. The Digital Euro is not operating in a vacuum; it’s part of a broader trend, but with distinct European characteristics. China’s e-CNY: Perhaps the most advanced large-scale CBDC project, China’s digital yuan emphasizes domestic retail payments and offers a high degree of central control and surveillance capabilities. The Digital Euro, by contrast, places a stronger emphasis on user privacy and relies on private intermediaries for distribution. Bahamas Sand Dollar: One of the first fully launched retail CBDCs, designed to improve financial inclusion in a geographically dispersed island nation. Its scale and scope are different from the Eurozone’s vast and complex economy. Sweden’s e-Krona: Sweden, a highly cashless society, is exploring an e-Krona primarily to maintain a public option for money and address the decline of cash. Their approach is more cautious and experimental, similar to the ECB’s phased strategy. US Digital Dollar: The United States Federal Reserve is still in the research phase, exploring the pros and cons without committing to a specific design or timeline. Privacy and financial stability are key considerations. The ECB’s approach for the Digital Euro is characterized by a commitment to privacy, an intermediated model (where commercial banks and payment service providers distribute the digital currency), and a focus on maintaining financial stability and monetary sovereignty within a democratic framework. It seeks to complement, rather than replace, cash and existing private digital payment methods. Navigating the Future of Central Bank Digital Currency: What’s Next? The advent of a Central Bank Digital Currency in the Eurozone will undoubtedly bring significant shifts. For individuals, businesses, and the financial sector, understanding these potential impacts is crucial for preparation. Impact on Commercial Banks: Commercial banks are expected to play a central role as intermediaries, distributing the Digital Euro to consumers and businesses. While there are concerns about deposit disintermediation, the ECB aims to mitigate this through design features, such as limiting individual holdings of the Digital Euro. Banks will need to adapt their services, integrating the Digital Euro into their existing digital banking platforms and potentially developing new services around it. Opportunities for Businesses: For businesses, the Digital Euro could mean: Faster and Cheaper Transactions: Especially for cross-border payments within the Eurozone, reducing settlement times and costs. New Business Models: The programmable nature of a CBDC could enable innovative payment solutions and smart contracts, opening doors for new services. Enhanced Financial Stability: A stable, central bank-backed digital currency reduces counterparty risk compared to some private digital payment methods. Actionable Insights for Consumers: As a consumer, preparing for the Digital Euro involves: Stay Informed: Follow official announcements from the ECB and national central banks to understand its features, benefits, and how to use it. Understand Privacy Settings: Pay attention to the privacy options and settings that will be available, as the ECB is committed to a high level of privacy for small-value transactions. Explore New Payment Options: Be open to integrating the Digital Euro into your daily spending habits once it becomes available, alongside cash and card payments. A Transformative Journey Towards Digital Finance The journey to a fully functional Digital Euro by 2029 is ambitious, complex, and filled with both immense promise and significant challenges. The European Central Bank’s clear timeline, with a pilot by 2027, signals a firm commitment to embracing the future of money. This initiative is not merely about creating a digital version of cash; it’s about safeguarding monetary sovereignty, fostering financial inclusion, and driving innovation within the Eurozone’s financial ecosystem. While questions around privacy, banking sector impact, and adoption remain, the meticulous planning and phased approach demonstrate a cautious yet determined stride towards a more robust, efficient, and inclusive digital financial future for Europe. The Digital Euro stands poised to be a pivotal element in the global evolution of money, ensuring Europe remains at the forefront of financial innovation. Frequently Asked Questions (FAQs) Q1: Will the Digital Euro replace cash? A: No, the ECB has consistently stated that the Digital Euro will complement cash, not replace it. Cash will continue to be available and accepted across the Eurozone. Q2: How will my privacy be protected with the Digital Euro? A: The ECB is committed to ensuring a high level of privacy for the Digital Euro. For small-value transactions, it aims to offer a privacy level comparable to cash, meaning minimal data collection. For larger transactions, anti-money laundering regulations will still apply, requiring some level of identification, but with data protection as a core principle. Q3: What role will commercial banks play in the Digital Euro system? A: Commercial banks and other supervised payment service providers will be central intermediaries. They will distribute the Digital Euro to individuals and businesses, manage accounts, and offer services based on the digital currency. This ensures that the existing financial infrastructure is leveraged and customer relationships are maintained. Q4: Who is leading the Digital Euro project at the ECB? A: The project is overseen by the Governing Council of the European Central Bank, with significant input from ECB President Christine Lagarde and Executive Board member Fabio Panetta, who has been a key spokesperson on the topic. Q5: What is the Bank for International Settlements’ (BIS) view on CBDCs like the Digital Euro? A: The Bank for International Settlements (BIS) actively supports central banks in their CBDC research and development. It views CBDCs as a way to enhance financial stability, promote innovation, and maintain the relevance of central bank money in a digital age, often collaborating with central banks on technical standards and research. To learn more about the latest Forex market trends, explore our article on key developments shaping the Euro, global interest rates, and institutional adoption. This post Digital Euro: Unlocking a New Era for European Finance by 2029 first appeared on BitcoinWorld.

Author: Coinstats
Why $IPO Presale Is Outpacing Rivals Like MUTM and NEX in 2025

Why $IPO Presale Is Outpacing Rivals Like MUTM and NEX in 2025

Every bull run brings new promises. Some call them “the next big thing,” others call them “the next bubble.” In 2025, crypto investors are flooded with presales. From DeFi projects to AI Layer-1 chains, everyone claims to be the 2025 crypto presale leader. Three names keep popping up: $IPO, MUTM, and NEX. Each is fighting […] The post Why $IPO Presale Is Outpacing Rivals Like MUTM and NEX in 2025 appeared first on Live Bitcoin News.

Author: LiveBitcoinNews
US Treasury: Tether surpasses even South Korea

US Treasury: Tether surpasses even South Korea

Now aims to surpass Brazil and become the sixteenth largest holder in the world.

Author: The Cryptonomist
The TechBeat: The Physics of AI  (10/30/2025)

The TechBeat: The Physics of AI (10/30/2025)

How are you, hacker? 🪐Want to know what's trending right now?: The Techbeat by HackerNoon has got you covered with fresh content from our trending stories of the day! Set email preference here. ## The Silent Revolution: AI-Driven Network Decisions in Real-Time By @darshanbmehta [ 5 Min read ] The telecommunications industry is experiencing an extraordinary shift: infrastructure that operates with independent judgment. Read More. Why Traditional Testing Breaks Down with AI By @mend [ 4 Min read ] Traditional testing breaks with AI. Learn how red teaming and AI-powered fuzzing uncover hidden weaknesses in large language models. Read More. Python Script to Read and Judge 1,500 Legal Cases By @knightbat2040 [ 5 Min read ] What started as a simple script evolved into a full-fledged data engineering and NLP pipeline that can process a decade's worth of legal decisions in minutes. Read More. React 19: New Tools To Work With Forms By @socialdiscoverygroup [ 6 Min read ] Discover how React 19's new hooks—useActionState, useFormStatus, and useOptimistic—simplify form handling with less boilerplate and cleaner code. Read More. The Illusion of Scale: Why LLMs Are Vulnerable to Data Poisoning, Regardless of Size By @hacker-Antho [ 4 Min read ] New research shatters AI security assumptions, showing that poisoning large models is easier than believed and requires a very small number of documents. Read More. From Automation to Autonomy: How AI is Transforming Site Reliability Engineering By @oreoluwaomoike [ 7 Min read ] This is the real story of where operations is headed. Read More. AWS Outage 2025: What Really Happened on October 20 and What It Teaches Us About the Cloud By @mayukhsuri [ 3 Min read ] AWS outage on Oct 20, 2025, disrupted major apps worldwide. Learn what caused it, how it spread, and key lessons to build stronger cloud systems. Read More. Who's Used One Trillion Plus OpenAI Tokens? Salesforce, Shopify, Canva, Hubspot, & 26 More Companies By @botbeat [ 8 Min read ] A deep dive into the 30 companies that burned over one trillion OpenAI tokens—featuring Duolingo, OpenRouter, and Indeed as top power users of GPT tech. Read More. The Future of Web3 Marketing: Education, Trust, and Sustainability By @hackmarketing [ 7 Min read ] Learn how Web3 projects can grow sustainably through education, trust, and human-centered marketing that builds real users and community. Read More. The Hidden Economics of Reliability: Balancing Uptime, Cost, and Innovation in DevOps By @oreoluwaomoike [ 9 Min read ] The tension between uptime, cost, and velocity has never been sharper. Read More. Context Engineering for Coding Agents By @ichebykin [ 5 Min read ] Context engineering for coding agents is the best way to improve the model performance for code generation. Read More. Blast API Shutdown: The Best Alternatives for Developers
By @nownodes [ 4 Min read ] Blast API ends operations in Oct 2025. Explore the best developer alternatives like NOWNodes and Alchemy for secure, scalable RPC migration. Read More. The Physics of AI
By @giovannicoletta [ 11 Min read ] An interrogation of how physics concepts like black holes, entropy, and quantum theory mirror the rise and limits of artificial intelligence. Read More. Code Smell 07 - Avoid Boolean Variables By @mcsee [ 3 Min read ] Avoid Boolean variables, they lead to conditional logic and force you to write Ifs. Create polymorphic states instead Read More. From Cloud to Desk: 3 Signs the AI Revolution is Going Local By @hacker-Antho [ 4 Min read ] when it comes to AI smaller is better Read More. Ransomware Goes Cloud-Native By @sanjaybarot [ 23 Min read ] Ransomware has gone cloud-native: no payloads, just API abuse. Learn the tactics—IAM takeovers, KMS locks, backup sabotage—and how to build resilience. Read More. How to Fix Profile Image Upload Headaches with Filestack Workflows By @filestack [ 6 Min read ] Stop babysitting profile pictures. Learn how Filestack Workflows turn image uploads into scalable, async, and lightning-fast experiences. Read More. Choosing the Right AI IDE for Your Team: Cursor vs. Windsurf vs. Copilot By @ainativedev [ 7 Min read ] Dive into a hands-on comparison of Cursor, Windsurf, and Copilot with GPT-5, highlighting their strengths in greenfield and brownfield projects. Read More. 33 Hot Tech Takes on Atlas, the New AI Browser by OpenAI By @webism [ 5 Min read ] OpenAI launches ChatGPT Atlas, an AI-powered browser with memory and agent mode. We gathered 33 reactions from skeptics, believers, and analysts. Read More. The New Age of Stargazing: How Smart Telescopes Are Transforming Our Connection with the Cosmos By @kingdavvd [ 5 Min read ] Smart telescopes are redefining astronomy—blending art, science, and emotion to make stargazing more personal, effortless, and inspiring. Read More. 🧑‍💻 What happened in your world this week? It's been said that writing can help consolidate technical knowledge, establish credibility, and contribute to emerging community standards. Feeling stuck? We got you covered ⬇️⬇️⬇️ ANSWER THESE GREATEST INTERVIEW QUESTIONS OF ALL TIME We hope you enjoy this worth of free reading material. Feel free to forward this email to a nerdy friend who'll love you for it. See you on Planet Internet! With love, The HackerNoon Team ✌️

Author: Hackernoon