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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.

15453 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
The Next Big Crypto is Here, Version 1 of Protocol Is on the Way in Q4 2025

The Next Big Crypto is Here, Version 1 of Protocol Is on the Way in Q4 2025

The post The Next Big Crypto is Here, Version 1 of Protocol Is on the Way in Q4 2025 appeared on BitcoinEthereumNews.com. Crypto Presales A new generation of DeFi platforms is beginning to take shape—projects that focus on real utility rather than hype. Mutuum Finance (MUTM) is one of these standout protocols. It is being designed to make decentralized lending more predictable, transparent, and rewarding. The team will release Version 1 of its protocol on the Sepolia Testnet in Q4 2025, bringing core lending mechanics and collateral systems into action. In a market often driven by speculation, Mutuum’s product-first strategy makes it a serious contender for those looking for a strong crypto investment. Mutuum Finance (MUTM) is now in Phase 6 of its presale. The total token supply is 4 billion, and the current price is $0.035. The next stage will raise the price to $0.040, reflecting a 20% increase. Around 87% of this phase is already sold, rapidly approaching the 90% mark. Over $18.5 million has been raised so far, with more than 17,800 holders on board. The token is available for purchase by cards without upper limits, making it easy for new participants to join before the price steps up. This speed shows strong investor confidence in a new crypto coin that focuses on delivery rather than promises. Product-Driven Design and Core Architecture Version 1 of Mutuum Finance (MUTM) will include all the building blocks needed for a functioning DeFi ecosystem. Liquidity pools will let users deposit assets and earn interest. When someone lends, they will receive mtTokens—digital receipts that track their deposits and earned yield. Borrowers will receive Debt Tokens, representing their outstanding obligations. This simple structure will make it easy for users to understand how their funds move within the system. The platform’s Liquidator Bot will handle automatic liquidations when collateral values fall too low. It will buy back debt positions at a discount, keeping the ecosystem stable…

Author: BitcoinEthereumNews

2025/11/08

The collapse of Stream Finance triggered a $1 billion outflow of funds, marking the darkest week in DeFi history.

The collapse of Stream Finance triggered a $1 billion outflow of funds, marking the darkest week in DeFi history.

Written by: Liu Ye Jinghong November 7, 2025 – The crypto market has yet to fully recover from the dramatic upheaval of October 11th, and a perfect storm triggered by stablecoins is sweeping across the entire DeFi world at an alarming pace. In the past week, we have witnessed the most significant outflow of funds from yield-bearing stablecoins since the Terra/UST crash in 2022, totaling a staggering $1 billion. This is not merely an isolated protocol failure, but a chain reaction of liquidations revealing deep structural cracks in the modern DeFi ecosystem. The trigger for the incident was Stream Finance , a once highly sought-after stablecoin protocol. However, as the dominoes began to fall, we realized that any risk could spread five or six layers down the intricate Lego castle of DeFi, ultimately triggering a systemic crisis of trust. Two Worlds of Stablecoins: Understanding the Roots of the Crisis To understand the nature of this crisis, we must first recognize the fundamental differences within the stablecoin sector. Currently, stablecoins can be broadly divided into two categories: 1. 100% Reserved Stablecoins: Represented by USDT and USDC, these rely on the compliant operation and robust financial auditing of centralized institutions. Their value is 100% backed by highly liquid real-world assets (such as cash, government bonds, and commercial paper). These stablecoins offer genuine "stability" and the confidence of guaranteed redemption, but at the cost of sacrificing the core principle of decentralization. 2. Algorithmic Stablecoins (broadly defined): This is a completely different world. Whether it's borrowed through over-collateralization or generated through more complex synthetic mechanisms, as long as its core collateral is cryptocurrency, its stability mechanism relies on algorithms and on-chain contracts. xUSD and deUSD, the protagonists of this event, belong to this category. The outbreak of this crisis is an extreme demonstration of the inherent vulnerability of Type II stablecoins. Death Spiral: The Fate of Algorithmic Stablecoins The biggest Achilles' heel of algorithmic stablecoins lies in their dependence on the price of the cryptocurrency used as collateral. During market downturns, this can easily trigger a fatal death spiral. The price of the underlying crypto asset (base asset) plummeted → the stablecoin lost market confidence due to insufficient collateral, its face value fell, leading to de-pegging → the previously high overcollateralization ratio of 200% or even 300% was rapidly eroded by the freefall in the collateral price → the protocol was forced to trigger a large-scale on-chain liquidation, selling the liquidated collateral to the market at market price → the selling further depressed the price of the collateral, triggering more liquidations... This is a vicious cycle, a domino-effect chain reaction of liquidation in DeFi. Once it happens, it will be a fatal blow to the entire ecosystem. From xUSD to Compound: A Systemic Collapse Barely Contained This time, Stream Finance pulled the trigger on the death spiral . On November 3, Stream announced that its off-chain fund managers had incurred losses of $93 million and froze deposits and withdrawals. This news instantly triggered market panic. Its stablecoin xUSD de-pegged within hours, with its price plummeting from $1 to $0.11, wiping out more than $500 million in market value. Since xUSD was one of the core collaterals of Elixir Finance 's stablecoin deUSD , the collapse of xUSD directly caused the collateral value of deUSD to go to zero, triggering a second round of de-pegging. Subsequently, the crisis spread to mainstream lending platforms such as Morpho and Euler . A large number of positions using xUSD and deUSD as collateral instantly became bad debts, the deposit pool was emptied, interest rates turned extremely negative, and depositors' funds were frozen. At this critical moment, the entire DeFi world held its breath, turning its attention to the industry's cornerstone— Compound . As one of the largest leading lending protocols, Compound also has markets affected. If Compound's liquidation mechanism breaks down, or if it falls into crisis due to excessive bad debts, the consequences would be unimaginable. Fortunately, the Compound team acted swiftly, urgently shutting down some of the affected markets , demonstrating a resolute determination to prevent the further escalation of the chain of liquidations. This decisive measure temporarily stabilized the situation, barely containing a systemic disaster that could have engulfed the entire DeFi ecosystem. We must be soberly aware that if Compound were to also be liquidated, its impact would far exceed that of the UST collapse in 2022, and it would directly shake the very foundation upon which the DeFi world exists. Reflections and Prospects: The Original Intentions and Future of Stablecoins In the aftermath of this crisis, we need to not only review the technical risks, but also examine a fundamental question: were the original intentions behind the creation of these on-chain algorithmic stablecoins flawed from the outset? Examining these failed protocols, we find that most of them did not serve real-world use cases. Their existence seems solely for complex arbitrage games within the DeFi world. You almost exclusively see them within nested "DeFi dolls," while they disappear entirely from situations where stablecoins are truly needed for payments, transactions, or value storage. These "stablecoins," which do not serve payment scenarios but are created for speculation and arbitrage, have always been a hidden minefield in the DeFi ecosystem. They have built a seemingly prosperous but actually fragile castle in the air, which will cause a catastrophic collapse once the market is shaken. This forces us to rethink what kind of stablecoin we really need. What we hope to see is for the stablecoin sector to return to its core value— achieving true financial inclusion . The stablecoin of the future should be a tool that allows a wider range of users globally, especially the billions excluded from the traditional financial system, to use it without boundaries or permission. It should be dedicated to reducing the cost of cross-border payments, protecting personal assets from the erosion of hyperinflation, and becoming a powerful force empowering individuals. This billion-dollar tragedy is more than just a wake-up call about risk management. It's a powerful signal urging the entire industry to temporarily step away from the frenzied "DeFi Lego" game and re-examine our goals. What we need is a financial future that is not only more technologically resilient but also, more importantly, returns to its original purpose: serving the broader well-being of humanity.

Author: PANews

2025/11/08

Early Buyers Believe This New Crypto Could Outperform Top Cryptocurrencies in 2026

Early Buyers Believe This New Crypto Could Outperform Top Cryptocurrencies in 2026

Operating in the crypto market, there is no lack of opportunities with high speeds. The decentralized finance (DeFi) field is redefining the attention of investors as a new generation of projects disrupts the prominence of the already influential market actors such as Bitcoin, Solana, and Ethereum. Mutuum Finance (MUTM) is recommended to be one of […]

Author: Cryptopolitan

2025/11/08

Mistrial in Ethereum $25M Exploit Case as Jury Deadlocks on Fraud Charges

Mistrial in Ethereum $25M Exploit Case as Jury Deadlocks on Fraud Charges

The post Mistrial in Ethereum $25M Exploit Case as Jury Deadlocks on Fraud Charges 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 Ethereum MEV exploit mistrial involving MIT-educated brothers Anton and James Peraire-Bueno ended without a verdict after a three-week trial in New York, highlighting legal challenges in prosecuting blockchain transaction manipulations that netted $25 million in just 12 seconds. Ethereum MEV exploit mistrial declared after jurors deadlocked on fraud and money laundering charges. Prosecutors alleged the brothers used bots to front-run trades, deceiving users in a bait-and-switch scheme. The case, based on a 2023 incident, raises questions about regulating maximal extractable value activities, with experts noting potential industry-wide implications. Ethereum MEV exploit mistrial leaves crypto industry in limbo: Brothers accused of $25M fraud walk free pending retrial. Discover legal precedents and blockchain risks now. What is the Ethereum MEV Exploit Mistrial? Ethereum MEV exploit mistrial occurred when a New York federal jury failed to reach a unanimous decision on charges against Anton and James Peraire-Bueno, two MIT graduates accused of defrauding users through a sophisticated blockchain manipulation in 2023. The brothers allegedly orchestrated an attack using maximal extractable value (MEV) bots to siphon $25 million in digital assets within…

Author: BitcoinEthereumNews

2025/11/08

What Crypto to Invest In? The DeFi Crypto with 10x Potential Is Best in Market Crash

What Crypto to Invest In? The DeFi Crypto with 10x Potential Is Best in Market Crash

The post What Crypto to Invest In? The DeFi Crypto with 10x Potential Is Best in Market Crash appeared first on Coinpedia Fintech News Every market crash teaches the same lesson: strong projects with real value and working products recover faster. While many tokens depend on hype, a few stand on their fundamentals. Mutuum Finance (MUTM) represents that new generation of defi crypto projects designed to remain steady even during downturns. It brings a blend of lending, borrowing, and …

Author: CoinPedia

2025/11/08

Steve Miran said rising demand for dollar-pegged stablecoins could lower the U.S. neutral interest rate

Steve Miran said rising demand for dollar-pegged stablecoins could lower the U.S. neutral interest rate

The post Steve Miran said rising demand for dollar-pegged stablecoins could lower the U.S. neutral interest rate appeared on BitcoinEthereumNews.com. Trump-appointed Federal Reserve Governor Stephen Miran, known publicly in policy circles as Steve, told an audience of economists in New York on Friday that the fast-growing demand for stablecoins tied to the U.S. dollar may be pushing the U.S. neutral interest rate lower. According to reporting from Bloomberg, Steve said that a situation like that would likey require the Federal Reserve to adjust its own policy stance to avoid slowing the economy by mistake. Steve said the surge of stablecoins is drawing heavy demand toward U.S. Treasury bills and other highly liquid dollar instruments, especially from buyers outside the United States, which then adds to the supply of loanable money in the economy. When the supply of lendable funds increases, the neutral rate (the level of interest that supports steady growth without overheating or dragging activity) can drift downward. Steve said that if the neutral rate is plunging, then the Federal Reserve must respond by lowering its policy rate, otherwise it risks tightening conditions unintentionally. He described the situation plainly, saying “Stablecoins may become a multitrillion-dollar elephant in the room for central bankers.” He added that the buildup of stablecoins is already influencing markets and will keep doing so as adoption grows. Stablecoin growth pressures interest benchmarks Steve referred to existing research to say that expanding stablecoin usage could lower the Federal Reserve’s benchmark rate by around 0.4 percentage point. That figure aligns with the pattern of his policy views during his tenure. Since joining the Fed, Steve has repeatedly argued for deeper and faster rate cuts, saying the commonly assumed neutral rate is too high. He has said that holding rates above the true neutral level risks slowing down the economy more than intended. Until now, Steve had based most of his arguments on inflation trends and conditions in…

Author: BitcoinEthereumNews

2025/11/08

Fed Governor Suggests Stablecoins May Lower US Neutral Rate Amid Bitcoin Slump

Fed Governor Suggests Stablecoins May Lower US Neutral Rate Amid Bitcoin Slump

The post Fed Governor Suggests Stablecoins May Lower US Neutral Rate Amid Bitcoin Slump 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 → Stablecoins tied to the US dollar are driving demand for Treasury bills, potentially lowering the neutral interest rate by increasing loanable funds. Federal Reserve Governor Stephen Miran warns this could require policy adjustments to prevent unintended economic slowdowns, as stablecoin growth surges globally. Stablecoins boost demand for US dollar instruments like Treasury bills, expanding the supply of loanable funds. Research suggests stablecoin expansion could reduce the Federal Reserve’s benchmark rate by about 0.4 percentage points. The crypto market has declined 20% from its $4.4 trillion peak on October 6, erasing most yearly gains amid volatility. Stablecoins impact on neutral interest rate: Fed Governor Stephen Miran highlights how surging stablecoin demand could lower rates, influencing policy. Explore crypto market volatility and key insights for investors today. How Are Stablecoins Impacting the US Neutral Interest Rate? Stablecoins, digital assets pegged to the US dollar, are increasingly influencing the US neutral interest rate by heightening demand for safe, liquid assets like Treasury bills. Federal Reserve Governor Stephen Miran explained that this surge, particularly from international buyers, boosts the overall supply of loanable…

Author: BitcoinEthereumNews

2025/11/08

Japan Rewrites Digital Asset Regulations to Merge Crypto With Traditional Finance

Japan Rewrites Digital Asset Regulations to Merge Crypto With Traditional Finance

The post Japan Rewrites Digital Asset Regulations to Merge Crypto With Traditional Finance appeared on BitcoinEthereumNews.com. Regulations Japan’s crypto sector is entering a new phase — one defined by discipline rather than hype. After years of cautious experimentation, regulators in Tokyo are tightening the reins on an industry they helped legitimize early on. Key Takeaways Japan is reshaping its digital asset framework to close loopholes and boost investor safety. Authorities are introducing stricter oversight of lending, staking, and IEOs. The country’s top banks are preparing to test a government-backed stablecoin network. But this isn’t a crackdown; it’s a recalibration. The country is quietly positioning itself as one of the first major economies to merge regulatory precision with institutional adoption. The Financial Services Agency (FSA), Japan’s top financial watchdog, is leading this shift. In its latest policy meeting, the agency laid out an extensive plan to strengthen oversight of crypto lending, introduce investment caps for public token sales, and support the rollout of a new stablecoin framework backed by the nation’s largest banks. Closing Loopholes in Crypto Lending For years, Japanese regulators focused on exchanges while leaving lending and staking operations in a gray area. Some firms used that gap to operate without full registration, exposing clients to risks without offering cold wallet protection or segregated funds. That era is coming to an end. Under the FSA’s proposal, crypto lenders will soon fall under the Financial Instruments and Exchange Act, the same law governing securities and derivatives. The change means firms will be required to maintain risk management systems, provide clearer disclosures, and adopt stricter security measures for digital asset storage. Analysts say the move reflects Japan’s intent to treat digital assets like any other financial instrument — transparent, accountable, and professionally managed. Guardrails for Public Token Sales Another major reform targets Initial Exchange Offerings (IEOs), the crypto version of crowdfunding. Regulators want to prevent retail investors…

Author: BitcoinEthereumNews

2025/11/08

Balancer $120M DeFi Exploit Sparks Market Concerns and Recovery Bounty

Balancer $120M DeFi Exploit Sparks Market Concerns and Recovery Bounty

The post Balancer $120M DeFi Exploit Sparks Market Concerns and Recovery Bounty 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 Balancer exploit in October 2023 resulted in a $120 million loss due to vulnerabilities in its smart contract swap logic, leading to widespread DeFi market instability and asset depegging across multiple protocols. Balancer DeFi exploit caused $120M theft through flawed swap mechanisms. Immediate market reaction included stablecoin depegging and liquidity disruptions in lending platforms. Balancer offered a 20% bounty for ethical hackers to aid in fund recovery, highlighting ongoing recovery efforts. Discover the Balancer DeFi exploit details: $120M loss in 2023 shook markets. Learn impacts, responses, and lessons for crypto security. Stay informed on DeFi resilience today. What Was the Balancer DeFi Exploit? The Balancer DeFi exploit occurred in October 2023 when attackers exploited vulnerabilities in the protocol’s smart contract swap logic, draining approximately $120 million from liquidity pools. This incident exposed critical flaws in automated market maker (AMM) designs, allowing unauthorized transfers that cascaded through interconnected DeFi ecosystems. Balancer, a prominent decentralized exchange protocol, swiftly acknowledged the breach and initiated recovery measures to mitigate further damage. How Did the Balancer Exploit Impact DeFi Markets? The Balancer exploit…

Author: BitcoinEthereumNews

2025/11/08

XRP Ledger (XRPL) Unveils Layer 1 Smart Contracts on AlphaNet, Expanding DeFi Potential

XRP Ledger (XRPL) Unveils Layer 1 Smart Contracts on AlphaNet, Expanding DeFi Potential

The XRP Ledger has taken a major step toward expanding its ecosystem with the launch of native Smart Contracts on AlphaNet, a development network built for experimentation and testing. Denis Angell, software engineer at XRPLLabs, shared that developers can now access these Layer 1 smart contract capabilities, marking a turning point for XRPL’s technological evolution. […]

Author: Tronweekly

2025/11/08

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