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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.

15310 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Aave Labs Acquires Stable Finance to Expand DeFi Access

Aave Labs Acquires Stable Finance to Expand DeFi Access

The post Aave Labs Acquires Stable Finance to Expand DeFi Access appeared on BitcoinEthereumNews.com. The San Francisco-based fintech team joins Aave Labs as the company looks to simplify stablecoin savings and improve the user experience. Aave Labs, the team behind the Aave lending protocol, has acquired Stable Finance, a San Francisco-based fintech startup, according to an Oct. 23 press release. The deal brings Stable Finance founder Mario Baxter Cabrera into Aave Labs as Director of Product, along with the company’s full engineering team. Aave currently has more than $38 billion in total value locked (TVL), making it the largest DeFi protocol, per DeFiLlama. The acquisition highlights Aave Labs’ shift beyond core protocol work toward making decentralized finance (DeFi) more accessible. The team says that, even with strong infrastructure, onboarding and user experience still make DeFi difficult for many users. “We believe the future of finance is on-chain, and this acquisition reinforces our commitment to turning on-chain finance into everyday finance – earning interest, borrowing, and saving,” said Stani Kulechov, founder of Aave Labs. “Mario and the Stable team have built unique technology supporting a seamless user experience that will help accelerate our consumer roadmap and extend the Aave protocol to new users.” Stable’s tech aims to simplify stablecoin savings, allowing users to deposit funds from a bank account, card, or crypto wallet while keeping full control of their money. According to the release, the Stable app will be phased out over time, though its technology and design will be incorporated into future Aave Labs consumer products. During the transition period, users will retain full access to their funds, with no forced withdrawals or lock-ups. Meanwhile, the global stablecoin supply has surpassed $308 billion, up $100 billion from the start of the year, per DeFiLlama. Tether’s USDT retains the largest market share with a market capitalization of $182.5 billion. The move marks Aave Labs’ third…

Author: BitcoinEthereumNews

2025/10/24

Who sets the price now? The $11B ETF design that could change BTC trading

Who sets the price now? The $11B ETF design that could change BTC trading

The post Who sets the price now? The $11B ETF design that could change BTC trading appeared on BitcoinEthereumNews.com. FalconX’s acquisition of 21Shares on Oct. 22 will add prime brokerage to the crypto investment management firm that oversees more than $11 billion across dozens of exchange-traded products (ETP). The deal, which has an undisclosed sum, merges prime brokerage infrastructure with one of the largest crypto ETP issuers, creating a vertical integration that could reshape how Bitcoin and Ethereum funds trade and track their underlying assets. The acquisition comes five weeks after the Securities and Exchange Commission (SEC) removed the final regulatory barriers to spot ETFs tied to assets beyond Bitcoin and Ethereum, opening pathways for Solana, Dogecoin, and other altcoin products. FalconX, valued at $8 billion in a 2022 funding round, has processed over $2 trillion in trading volume and serves more than 2,000 institutional clients. The firm plans to combine its brokerage platform with 21Shares’ product lineup to accelerate the adoption of digital asset investment vehicles across U.S. and international markets. Russell Barlow, CEO of 21shares, stated: “Our goal has been to make crypto investing available to everyone through industry-leading exchange-traded products. Now FalconX will enable us to move faster and expand our reach. Together, we’ll pioneer solutions that will meet the evolving needs of digital asset investors worldwide.” Founded in 2018 by Hany Rashwan and Ophelia Snyder, 21Shares operates the ARK 21Shares Bitcoin ETF (ARKB) in partnership with ARK Invest and the 21Shares Ethereum ETF (TETH), which enabled staking in 2025. The firm’s European, UK, and Swiss exchange-listed catalog spans single-asset ETPs for tokens such as Solana, Avalanche, Chainlink, Polkadot, and XRP, as well as multi-asset products, including the Crypto Basket 10 Core and the Bitwise Select 10 co-branded fund. FalconX’s acquisition of 21Shares primary market mechanics Integrated prime brokerage plus issuer control changes who touches the primary market, how fast risk flattens, and what hedging costs.…

Author: BitcoinEthereumNews

2025/10/24

Next 100x Crypto to Buy: LivLive ($LIVE) Rises as Solana ($SOL) Traders Seek Fresh Gains

Next 100x Crypto to Buy: LivLive ($LIVE) Rises as Solana ($SOL) Traders Seek Fresh Gains

Next 100x crypto to buy stories are heating up again as the market moves into Q4 2025 with renewed excitement. […] The post Next 100x Crypto to Buy: LivLive ($LIVE) Rises as Solana ($SOL) Traders Seek Fresh Gains appeared first on Coindoo.

Author: Coindoo

2025/10/23

Pave Bank secures $39M funding with Tether’s participation

Pave Bank secures $39M funding with Tether’s participation

The post Pave Bank secures $39M funding with Tether’s participation appeared on BitcoinEthereumNews.com. Key Takeaways Pave Bank, a fintech integrating fiat and digital assets, raised $39 million in funding. Tether, alongside Accel and Wintermute, was a notable investor in the round. Pave Bank, a fintech startup building a programmable banking platform that integrates fiat and digital assets, secured $39 million in funding with participation from Tether Investments, the investment arm of stablecoin issuer Tether. The round, led by Accel, also included Wintermute. The funding supports Pave Bank’s development of what it positions as a compliant solution for blending traditional finance with digital assets. The platform emphasizes real-time treasury capabilities and instant settlements, targeting programmability and resilience for the digital assets era. Tether’s participation aligns with the broader industry focus on programmable infrastructure. Recent ecosystem developments highlight such systems as essential for stablecoin issuers to enable near-zero-fee transfers and compete with traditional payment networks. Source: https://cryptobriefing.com/pave-bank-tether-funding-digital-assets/

Author: BitcoinEthereumNews

2025/10/23

Stable Finance team joins Aave Labs to build new DeFi consumer tools

Stable Finance team joins Aave Labs to build new DeFi consumer tools

TLDR Aave Labs acquires Stable Finance to strengthen user-friendly DeFi savings. Stable founder Mario Baxter Cabrera joins Aave Labs as Director of Product. Stable Finance app will be phased out and merged into future Aave tools. Aave’s third talent-focused acquisition follows Sonar in 2022 and Family in 2023. Aave Labs, the team behind the decentralized [...] The post Stable Finance team joins Aave Labs to build new DeFi consumer tools appeared first on CoinCentral.

Author: Coincentral

2025/10/23

The Stablecoin Purge: S&P Global’s Onchain Ratings Could Wipe Out Half the Market

The Stablecoin Purge: S&P Global’s Onchain Ratings Could Wipe Out Half the Market

S&P Global is shaking up the digital asset world by launching stablecoin ratings directly onchain through Chainlink on Base. This development marks the first time traditional financial ratings are being integrated natively into decentralized finance. It represents a merging of Wall Street credibility with blockchain transparency. For protocols across DeFi, this is not just a symbolic step toward regulation, it fundamentally changes the risk models that power lending pools, collateral mechanisms, and automated market operations. Protocols can now programmatically adjust collateral ratios based on these live credit ratings, allowing smart contracts to manage risk dynamically in real time. This integration gives new meaning to creditworthiness in DeFi. Smart contracts that once relied solely on oracle-fed price feeds can now respond to changes in perceived asset quality. If a stablecoin’s rating falls below investment-grade level, lending protocols can reduce leverage, increase collateral demands, or automatically freeze liquidity pools, all without human intervention. However, this innovation has created a looming existential threat for several major stablecoins. Tokens like DAI, FRAX, and LUSD have no current path to S&P approval, meaning they will exist outside the new ratings network. That could instantly label them as “unrated,” a word that carries toxic implications in both traditional and digital markets. The numbers tell the story. The global stablecoin supply sits around $180B, but analysts estimate as much as 70% of that capital could consolidate into rated assets such as USDC, USDT, and PYUSD. The compression effect will hit smaller, algorithmic stablecoins hardest. Liquidity is the lifeblood of stability, and once large DeFi lenders start limiting exposure to unrated stables, market depth will dry up fast. Many predict that within 6 months, most unrated stablecoins could effectively disappear. This is not just a market clean-up, it is a reorganization of digital finance power. S&P’s onchain ratings via Chainlink could act as the new gatekeeper for capital flow in Web3. While this may bring a layer of safety and transparency, it also shifts leverage toward centralized providers and institutions that can meet regulatory compliance standards. The age of wild-west stablecoins is ending, and with it, a core piece of DeFi’s decentralized identity. The Stablecoin Purge: S&P Global’s Onchain Ratings Could Wipe Out Half the Market was originally published in Coinmonks on Medium, where people are continuing the conversation by highlighting and responding to this story

Author: Medium

2025/10/23

Why DeFi teams dropped record $800m on ‘broken’ buyback programmes

Why DeFi teams dropped record $800m on ‘broken’ buyback programmes

Decentralised finance protocols are passing on revenue to holders of their tokens at a record rate as they work to earn investors’ trust, but it could be a waste of money.That’s according to a new report from crypto market maker Keyrock, which looked at token buybacks, one of the most popular ways for protocols to tie their success to the price of the tokens they issue.Keyrock found that the top 12 revenue-distributing protocols spent almost $800 million on token buybacks and other revenue-sharing activities in July, a more than 400% increase since the start of 2024. “Much like public companies that use buybacks to signal long-term commitment and instill investor trust, crypto teams leverage them to enhance token value and communicate conviction in the project’s future,” Amir Hajian, the Keyrock researcher who wrote the report, said. Token buybacks have become increasingly popular in recent months.The idea is that buybacks — paid for with fees generated from the protocol’s users — will tie the value of a token to the success of its associated DeFi protocol, regardless of how the broader crypto market trades.In other words, the more profit a protocol generates, the more it will spend buying back its token, increasing its market value.Poor use of capital? It’s not clear how effective token buybacks are, however.“Buybacks are broken, but can be improved,” Hajian said in the report, adding that many programmes overspend when prices are high and underspend in downturns, when they matter most.Buybacks can also be inefficient because they may divert funds from marketing and growth initiatives, Hajian added.It’s not just Keyrock making that case. In March, a report from crypto research firm Messari also argued that buybacks are a poor use of capital. “Our analysis finds no clear evidence that the market rewards these initiatives, as token performance remains driven by metrics growth and narrative formation,” Sunny Shi, the report’s author, said.Still, the perception that buybacks help shore up token prices is powerful. Perpetual futures exchange Hyperliquid has made token buybacks an integral part of its strategy. Many investors equate Hyperliquid’s buyback programme with the strong performance of its HYPE token, which has soared 500% since its November 2024 launch. Seeing this success, others, such as the top lending protocol Aave, are also implementing buyback programmes. Uncertain valueWhile DeFi tokens soared in 2021 as excitement around the sector peaked, many have since underperformed as the hype died down and investors began to question their high valuations. Even the tokens of successful DeFi protocols, like liquid staking protocol Lido and credit protocol Sky, are trading well below their 2021 highs, despite their revenues increasing significantly since then.“Tokens do not guarantee dividends, confer legal rights, or offer the clarity of earnings metrics,” the Keyrock report said. “The link between protocol performance and tokenholder value is therefore indirect and often uncertain.”Buybacks are an attempt to ground token valuation in something tangible, such as a percentage of the protocol’s total revenue.Despite their issues, the data shows buybacks aren’t a bad idea altogether, according to the Keyrock report.“Disciplined programmes, grounded in revenue stability, treasury strength, and valuation awareness, can reinforce alignment and credibility,” Hajian said.Tim Craig is DL News’ Edinburgh-based DeFi Correspondent. Reach out with tips at tim@dlnews.com.

Author: Coinstats

2025/10/23

Chorus One Taps Morpho and Steakhouse to Bring More Institutional Players to DeFi Yields

Chorus One Taps Morpho and Steakhouse to Bring More Institutional Players to DeFi Yields

As DeFi is maturing for institutional players, Chorus One has announced that it is joined forces with Morpho and Steakhouse Financial to launch Chorus One Earn – a stablecoin yield solution designed to combine on-chain transparency with institutional-grade risk management. The initiative could signal a broader evolution in DeFi’s yield landscape, long known for its […] The post Chorus One Taps Morpho and Steakhouse to Bring More Institutional Players to DeFi Yields appeared first on Live Bitcoin News.

Author: LiveBitcoinNews

2025/10/23

This New Crypto Coin Surpasses $17.8M as Investors Flock In

This New Crypto Coin Surpasses $17.8M as Investors Flock In

One of the most talked-about new projects is Mutuum Finance (MUTM), a next-generation lending protocol that has now surpassed $17.8 million raised in its presale.

Author: Coinstats

2025/10/23

Hong Kong’s Spot ETF & RWA Growth Boost Confidence: Is SOL Price Ready For New ATH?

Hong Kong’s Spot ETF & RWA Growth Boost Confidence: Is SOL Price Ready For New ATH?

The post Hong Kong’s Spot ETF & RWA Growth Boost Confidence: Is SOL Price Ready For New ATH?  appeared first on Coinpedia Fintech News The SOL price is in focus due to multiple reasons, with the most notable being its price action. An expert this week displayed that SOL/USD has once again approached its most reliable five-year ascending trendline after several weeks of steady decline.  According to the analyst, this region aligns with a long-term uptrend that has consistently …

Author: CoinPedia

2025/10/23

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