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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.

14208 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Crypto Treasury Firms Introduce Counterparty Risks to Bearer Assets: CEO

Crypto Treasury Firms Introduce Counterparty Risks to Bearer Assets: CEO

The post Crypto Treasury Firms Introduce Counterparty Risks to Bearer Assets: CEO appeared on BitcoinEthereumNews.com. Bitcoin (BTC) and crypto treasury firms pose similar risks as collateralized debt obligations (CDOs), securitized baskets of home mortgages and other types of debt that triggered the 2007-2008 financial crisis, Josip Rupena, CEO of lending platform Milo and former Goldman Sachs analyst, told Cointelegraph. Crypto treasury companies take bearer assets with no counterparty risk and introduce several layers of risk, including the competence of the corporate management, cybersecurity, and the ability of the business to generate cash flow, Rupena said. He added: “There’s this aspect where people take what is a pretty sound product, a mortgage back in the day or Bitcoin and other digital assets today, for example, and they start to engineer them, taking them down a direction where the investor is unsure about the exposure they’re getting.” Rupena told Cointelegraph that while he does not expect crypto treasury companies to be the cause of the next bear market, overleveraged firms could “exacerbate” a market downturn through forced selling, but it is still too early to tell what the exact effects will be. There are 178 public companies with BTC on their balance sheets. Source: BitcoinTreasuries Several market analysts have issued warnings about the potential of overextended crypto treasury companies to cause a market-wide contagion through forced selling, depressing crypto prices in a rush to cover debts. Related: Peter Thiel vs. Michael Saylor: Crypto treasury bet or bubble? Companies diversify into altcoin holdings, leaving market investors divided Traditional financial companies are going beyond the Bitcoin treasury strategy popularized by BTC advocate Michael Saylor and diversifying into altcoin treasuries. During July and August, several firms announced Toncoin (TON), XRP (XRP), Dogecoin (DOGE), and Solana (SOL) corporate treasury strategies, for example. Companies adopting crypto treasury strategies have seen mixed effects on their stock prices, as markets react to the growing…

Author: BitcoinEthereumNews

2025/08/31

XRP Monthly Option Income ETF Filed With SEC to Target Yield and Upside With Calls

XRP Monthly Option Income ETF Filed With SEC to Target Yield and Upside With Calls

XRP is primed to redefine crypto investing with a first-of-its-kind ETF blending covered calls and synthetic exposure, delivering monthly income and capital appreciation potential. SEC Filing Shows XRP ETF Structured to Generate Yield and Upside Using Covered Calls XRP is at the forefront of a proposed investment vehicle that blends digital asset exposure with an […]

Author: Bitcoin.com News

2025/08/31

Is TON’s DeFi ready to lead a true financial revolution?

Is TON’s DeFi ready to lead a true financial revolution?

The post Is TON’s DeFi ready to lead a true financial revolution? appeared on BitcoinEthereumNews.com. The following is a guest post and opinion from Slavik Baranov, CEO at STON.fi Dev. From Gaming Phenomenon to Financial Ambition In 2024, the TON blockchain became one of the most talked-about ecosystems in crypto — not because of a groundbreaking DeFi protocol, but thanks to the meteoric rise of viral tap-to-earn games on Telegram. Titles like Hamster Kombat and Notcoin drew millions virtually overnight, pushing daily active wallets to nearly 2 million by September. Telegram Active Daily Wallets (source: Tonstat). The surge proved TON can onboard users at a pace few blockchains can match. But it also exposed the fragility of hype-driven adoption: many players came for quick rewards and left when incentives ended. Speculative capital — fluid and opportunistic by nature — followed the same path. Games showed TON’s reach. But they were never meant to be the foundation of a financial revolution. The Lasting Impact of the Hype Cycle The post-game cooldown wasn’t a collapse; it was a reset. In January 2024, before the gaming boom, TON averaged 26,000 daily active wallets. After the dust settled, activity stabilized at 100,000–200,000 — a multiple of its pre-hype base. Even more importantly, developer and user inflows seeded growth across the ecosystem. The number of DeFi protocols on TON rose from 35 to 67 in 2024 — a 91% increase. This expansion reflects a gradual shift in focus from short-lived promotions to enduring financial infrastructure. Building TON’s DeFi Landscape TON’s DeFi sector now spans token swaps, staking, and lending. In early 2024, EVAA launched as the first lending protocol. By late summer, AMM protocol STON.fi had reached nearly $400 million in liquidity. Today, the leaders by total value locked (TVL) are the liquid staking protocol Tonstakers and the swap protocol STON.fi, reflecting user preference for core, high-liquidity services. Fueled by…

Author: BitcoinEthereumNews

2025/08/31

Ethereum (ETH) Technical Outlook Stalls, Investor Attention Pivoting to Mutuum Finance (MUTM) at $0.035

Ethereum (ETH) Technical Outlook Stalls, Investor Attention Pivoting to Mutuum Finance (MUTM) at $0.035

The post Ethereum (ETH) Technical Outlook Stalls, Investor Attention Pivoting to Mutuum Finance (MUTM) at $0.035 appeared on BitcoinEthereumNews.com. Investor focus is shifting as Ethereum’s (ETH) technical momentum shows signs of fatigue, paving the way for emerging DeFi player Mutuum Finance (MUTM) to capture market attention. Early MUTM investors will get an ROI of a minimum of 300% post-listing. Mutuum Finance (MUTM) has already reached over $15.15 million and has achieved 15800+ investors so far.  While ETH consolidates amid uncertain technical signals, Mutuum Finance is carving its niche with a growing community and increasing traction in decentralized lending solutions. This pivot reflects a broader market trend where traders are reassessing established tokens in favor of innovative, utility-driven projects poised to redefine the next phase of decentralized finance. Ethereum Consolidates Amid Market Caution Ethereum (ETH) is currently trading around $4,730, holding steady after recently testing highs near $4,900. Analysts suggest the market is in a consolidation phase, with support around the $4,400–$4,500 range being closely watched. While some indicators show cooling momentum, institutional inflows and broader market optimism continue to support its mid-term outlook. Investor attention is also turning toward emerging decentralized finance projects such as Mutuum Finance. Mutuum Finance Stage 6 Presale Mutuum Finance (MUTM) is still in presale round six and is priced at $0.035 per token. Once the round is complete, the price rises 14.29% to $0.04 as demand surges and early adopters show faith in the project. The presale has gathered over 15,800 investors and over $15.15 million in capital, with signals of early traction and investor interest. A USD-Pegged Stablecoin on Ethereum Mutuum Finance will launch a USD-pegged stablecoin on the Ethereum blockchain as a stable, secure, and transparent form of value storage. The stablecoin will be a stable digital currency for daily transactions, decentralized applications, and long-term portfolio stability. Though algorithmic stablecoins have in the past been exposed to market volatility, this asset shall…

Author: BitcoinEthereumNews

2025/08/31

Ethereum (ETH) Technical Outlook Stalls, Investor Attention Pivoting to Mutuum Finance (MUTM) at $0.035

Ethereum (ETH) Technical Outlook Stalls, Investor Attention Pivoting to Mutuum Finance (MUTM) at $0.035

Investor focus is shifting as Ethereum’s (ETH) technical momentum shows signs of fatigue, paving the way for emerging DeFi player Mutuum Finance (MUTM) to capture market attention. Early MUTM investors will get an ROI of a minimum of 300% post-listing. Mutuum Finance (MUTM) has already reached over $15.15 million and has achieved 15800+ investors so […]

Author: Cryptopolitan

2025/08/31

Crypto treasury firms mirror CDO risks from 2008 financial crisis: Crypto exec

Crypto treasury firms mirror CDO risks from 2008 financial crisis: Crypto exec

                                                                               Crypto treasury firms introduce several layers of risk to an asset class that inherently features reduced or no counterparty risk.                     Bitcoin (BTC) and crypto treasury firms pose similar risks as collateralized debt obligations (CDOs), securitized baskets of home mortgages and other types of debt that triggered the 2007-2008 financial crisis, Josip Rupena, CEO of lending platform Milo and former Goldman Sachs analyst, told Cointelegraph.Crypto treasury companies take bearer assets with no counterparty risk and introduce several layers of risk, including the competence of the corporate management, cybersecurity, and the ability of the business to generate cash flow, Rupena said. He added:Rupena told Cointelegraph that while he does not expect crypto treasury companies to be the cause of the next bear market, overleveraged firms could “exacerbate” a market downturn through forced selling, but it is still too early to tell what the exact effects will be.Read more

Author: Coinstats

2025/08/31

XRP in 2025: Legal Clarity + New Tech Catalysts Put Utility (and Price) Back in Focus

XRP in 2025: Legal Clarity + New Tech Catalysts Put Utility (and Price) Back in Focus

BitcoinWorld XRP in 2025: Legal Clarity + New Tech Catalysts Put Utility (and Price) Back in Focus After nearly five years of regulatory overhang, XRP enters the final stretch of 2025 with clearer rules, fresh utility, and renewed market attention. The SEC’s lawsuit against Ripple is now officially closed, cementing a split ruling that keeps secondary-market XRP sales outside securities laws while restricting certain institutional sales and imposing a $125 million penalty. That legal clarity coincides with two major product pushes: the RLUSD dollar stablecoin and the XRPL EVM sidechain—both designed to broaden how developers, fintechs, and institutions actually use the XRP ecosystem. Key takeaways Case closed: The SEC and Ripple dismissed their appeals in August 2025; Judge Torres’s 2023 split ruling stands, plus a $125M penalty and injunction around institutional sales. Secondary-market XRP trading retains non-security status. Tech catalysts: The XRPL EVM sidechain (live since June 30, 2025) brings Ethereum-compatible smart contracts to the XRP stack. Earlier, the XLS-30 AMM added native automated market making to XRPL. Stablecoin push: Ripple’s RLUSD (on XRPL and Ethereum) is fully backed and redeemable 1:1 for USD; it’s integrating into DeFi rails including Aave’s Horizon RWA market. ETF path opens wider: U.S. exchanges are seeking generic listing standards for crypto ETPs, which could speed up approvals for products beyond BTC/ETH—potentially including XRP. What changed for XRP legally, and why it matters The long-running SEC v. Ripple case ended in August 2025, with both parties dismissing appeals. The outcome preserved Judge Analisa Torres’s earlier findings: programmatic (exchange) sales of XRP are not securities, while certain institutional sales remain restricted under securities laws. Ripple agreed to a $125 million penalty and a permanent injunction governing institutional offerings. In practical terms, this removes the cloud over secondary-market XRP trading, a prerequisite for broader institutional access and compliant product development. Market reaction was swift: XRP rallied above $3.25 in the days after the finalization, reflecting both relief and a repricing of legal risk. While price action remains volatile, the legal chapter’s closure allows coverage, custody, and market-making desks to operate with more confidence. Two technology catalysts you shouldn’t ignore 1) XRPL EVM sidechain: Ethereum-compatible apps meet XRP rails On June 30, 2025, Ripple and partners launched the XRPL EVM sidechain mainnet, enabling full Ethereum-compatible smart contracts within the XRP ecosystem. Developers can deploy Solidity dApps and bridge assets to/from XRPL—opening doors for DeFi, tokenized assets, and payments applications that use XRP for settlement. Early data points show brisk developer engagement, and cross-chain connectivity via Axelar links the sidechain to dozens of networks. Why it matters for XRP: Bringing EVM programmability to the XRP world doesn’t just add features—it pulls in Ethereum-native builders and liquidity while keeping XRPL’s speed and low fees for final settlement. For exchanges, PSPs, and fintechs building on-chain finance, this reduces integration friction and can increase XRP’s transactional demand over time. 2) XLS-30 AMM on XRPL: Native liquidity without third-party DEX risk The XLS-30 AMM—enabled on mainnet in 2024—brought native automated market making to XRPL. With AMMs at the protocol layer, XRPL can source liquidity on demand for token swaps and cross-currency payments, a capability that aligns with Ripple’s longstanding “on-demand liquidity” mission. For payment corridors, this can reduce slippage and improve FX execution across long-tail currency pairs. Stablecoin strategy: RLUSD’s role in the XRP economy Ripple’s RLUSD is a USD-backed stablecoin issued natively on XRPL and Ethereum. It is fully backed by cash and cash equivalents and is redeemable 1:1 for USD (availability varies by jurisdiction). In 2025, RLUSD integrated with Aave’s Horizon RWA platform to plug into institutional-grade borrowing/lending tied to tokenized real-world assets. As stablecoin liquidity deepens on XRPL and EVM rails, payments, settlement, and DeFi use cases can scale without forcing users into off-network stablecoins. By mid-2025, RLUSD’s market footprint surpassed $500 million—evidence that enterprise-grade stablecoins can gain real traction when paired with robust compliance and distribution. More liquidity in RLUSD can indirectly support XRP by spurring network activity and deepening FX/AMM pools, even if holding RLUSD is distinct from holding XRP. Adoption: corridors, banks, and what’s actually live Ripple has longstanding ties in Japan (via SBI Holdings) and across Southeast Asia (through Tranglo, in which Ripple holds a 40% stake). SBI Remit has already expanded XRP-powered remittances across key corridors in the Philippines, Vietnam, and Indonesia, citing speed and cost benefits. Meanwhile, SBI’s June 2025 investor materials explicitly reference XRP-based transfers and discussions around RLUSD distribution. Why that matters now: Post-lawsuit clarity lowers institutional risk. Payment firms can adopt Ripple Payments and XRPL tooling without waiting on a final court outcome. In practice, this could increase corridor volumes, encourage bank pilots, and diversify on-chain liquidity sources (XRP, RLUSD, and fiat on/off-ramps). ETF watch: A faster route for crypto funds could include XRP Major U.S. exchanges have petitioned the SEC for generic listing standards for crypto ETPs—akin to how many commodity ETFs are listed today. If adopted, these rules would streamline approvals and reduce the bespoke, slow 19b-4 process. While not an XRP-specific decision, the pathway could enable XRP-based funds alongside other large-cap assets, expanding institutional access and retirement-account demand. Timing isn’t guaranteed, but the policy direction suggests broader ETF availability is getting closer. Price snapshot and levels to watch As of publication, XRP trades near $2.81 with intraday moves around the $2.77–$2.83 band. Traders are watching $2.80 as near-term support, with resistance seen into the low-$3s following the post-settlement bounce. Macro liquidity, ETF news flow, and on-chain adoption metrics will likely drive the next leg. (Not investment advice.) Risks to the bull case Regulatory drift: U.S. policy can change quickly. Even with the Ripple case concluded, future rulemaking or state actions could alter how institutions treat XRP. Adoption-execution gap: Launching the EVM sidechain and stablecoin integrations is only step one; sustained developer and user adoption must follow to affect XRP demand. Market structure: Broader crypto liquidity, BTC cycles, and ETF flows will influence XRP beta. Even strong fundamentals can be overshadowed in risk-off regimes. Stablecoin competition: RLUSD must contend with deeply entrenched stablecoins. Its enterprise pitch will need continued exchange and protocol support to scale. Bottom line For the first time in years, XRP’s narrative is less about courtrooms and more about code and corridors. With legal clarity, a live EVM sidechain, protocol-level AMMs, and an enterprise-grade stablecoin, the ecosystem is better positioned to compete on utility—the metric that ultimately sustains network value beyond headlines. Watch for corridor volumes, EVM sidechain TVL/developer growth, and ETF policy milestones to determine whether 2025’s promise turns into durable momentum. FAQ (for readers & rich results) Is XRP still a security in the U.S.?No—for secondary-market trading, courts reaffirmed that XRP is not a security. Certain institutional sales remain restricted, and Ripple paid a $125M penalty with a permanent injunction on those offerings. SEC What is RLUSD and why should XRP holders care?RLUSD is Ripple’s USD-backed stablecoin on XRPL and Ethereum. It can deepen on-chain liquidity for payments and DeFi. While holding RLUSD isn’t the same as holding XRP, more stablecoin liquidity can increase XRPL activity, indirectly benefiting the ecosystem. Ripple What does the EVM sidechain actually enable?It lets developers deploy Ethereum-compatible smart contracts while bridging to XRPL for fast, low-cost settlement—attracting builders and liquidity without abandoning XRP’s core payment strengths. Ripple Could we see an XRP ETF?Policy is evolving. If the SEC adopts generic listing standards for crypto ETPs, XRP-based funds could see a smoother pathway—though timing and eligibility aren’t guaranteed. Outbound sources cited: SEC, Reuters, CoinDesk, XRPL.org/Ripple, Yahoo Finance, Investopedia (see inline citations). This post XRP in 2025: Legal Clarity + New Tech Catalysts Put Utility (and Price) Back in Focus first appeared on BitcoinWorld and is written by Editorial Team

Author: Coinstats

2025/08/31

Ripple (XRP) Rallies Past $3 as Mutuum Finance (MUTM) Nears 45x Rally

Ripple (XRP) Rallies Past $3 as Mutuum Finance (MUTM) Nears 45x Rally

The post Ripple (XRP) Rallies Past $3 as Mutuum Finance (MUTM) Nears 45x Rally appeared on BitcoinEthereumNews.com. Mutuum Finance (MUTM) is stealing the spotlight as its meteoric rise edges closer to a staggering 45x rally. Mutuum Finance is in presale stage 6 at $0.035. It will be worth 14.29% more at $0.04 when it is in stage 7 of presale. Mutuum Finance  already has over $15.15 million raised and has gained over 15800 investors.  While Ripple’s XRP makes headlines for breaking past the $3 threshold, all eyes are on Mutuum Finance’s explosive momentum, driven by growing investor interest, innovative lending protocols, and heightened activity across the DeFi ecosystem. This dual market surge underscores a shifting dynamic where established tokens like XRP continue steady growth, but high-upside DeFi newcomers such as MUTM are increasingly shaping the narrative of crypto’s next wave. XRP Price Outlook: Testing the $3 Threshold XRP is trading at $3.00, hovering at a pivotal resistance point that market watchers say could determine its next move. Analysts note that a sustained breakout above $3.20–$3.40 may pave the way for a move toward $3.70 or higher, supported by improved on-chain metrics and potential institutional interest. However, some caution that repeated rejections around this zone could lead to a pullback toward $2.83 or lower, highlighting the importance of close price structure and volume action in the coming sessions. As XRP’s short-term outlook continues to unfold, investor attention is also expanding toward innovative DeFi platforms like Mutuum Finance that are gaining traction in the broader altcoin market. Mutuum Finance Presale Success Mutuum Finance is thriving in the DeFi market. It has a 95.0/100 trust score, audited and certified by Certik. The project is offering a safe platform to perform DeFi transactions. Mutuum Finance (MUTM) is introducing tried and tested lending functionalities with the security of a new environment. Mutuum Finance (MUTM) also has a coming Ethereum, overcollateralized stablecoin that…

Author: BitcoinEthereumNews

2025/08/31

BlockDAG Miles Ahead of HexyDog, Nexchain & BlockchainFX

BlockDAG Miles Ahead of HexyDog, Nexchain & BlockchainFX

The post BlockDAG Miles Ahead of HexyDog, Nexchain & BlockchainFX appeared on BitcoinEthereumNews.com. Advertisement &nbsp &nbsp Disclaimer: The below article is sponsored, and the views in it do not represent those of ZyCrypto. Readers should conduct independent research before taking any actions related to the project mentioned in this piece. This article should not be regarded as investment advice. Crypto presales are often the best entry point for massive returns, and this year’s lineup features several names worth watching: BlockDAG, HexyDog, Nexchain, and BlockchainFX. Each of these tokens targets different audiences, ranging from pet lovers to AI enthusiasts to fintech-focused traders. However, only one project has managed to raise hundreds of millions, attract whales, and secure a global spotlight through unmatched marketing moves. BlockDAG stands out above the rest with its powerhouse presale, Token2049 takeover, and bonus structure that fuels FOMO across the market. HexyDog is carving a niche by blending crypto with the pet-care industry, Nexchain is pushing an ambitious AI-powered blockchain design, and BlockchainFX is presenting itself as a trading super-app. While all are worth noting, BlockDAG’s momentum makes it the clear frontrunner. 1. BlockDAG: The Presale Powerhouse BlockDAG is rewriting the script on presales. At Batch 30, the token price has reached $0.03, with over $387M raised and more than 25 billion coins sold. Early buyers from Batch 1 at $0.001 are already sitting on a 2,900% return, while new buyers can still target huge upside against the $0.05 launch target. Adding fuel to the fire, BlockDAG has introduced a 2049% bonus running until October 1, timed to its full-throttle presence at Token2049 Singapore. That means every purchase multiplies more than twenty times instantly, putting BlockDAG in a different league altogether. The Token2049 sponsorship itself locks BlockDAG into the spotlight. A 72 sqm custom-built booth, Dashboard V4 demos, giant venue banners, instant bonus claim stations, and domination of the…

Author: BitcoinEthereumNews

2025/08/31

Mutuum Finance (MUTM) vs Shiba Inu (SHIB): Which is the Next Crypto to Hit $1 in 2025?

Mutuum Finance (MUTM) vs Shiba Inu (SHIB): Which is the Next Crypto to Hit $1 in 2025?

As the crypto market gears up for a potentially explosive 2025, Mutuum Finance (MUTM) is capturing attention with its innovative approach to decentralized lending and drawing comparisons to Shiba Inu (SHIB). Investors are closely watching whether this emerging DeFi coin could break past key milestones, including the coveted $1 mark, amid rising interest in next-generation […]

Author: Cryptopolitan

2025/08/31

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