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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.

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Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
NEAR Surpasses AAVE, Trump-Backed WLFI Amid Intents Growth

NEAR Surpasses AAVE, Trump-Backed WLFI Amid Intents Growth

NEAR NEAR $2.66 24h volatility: 37.2% Market cap: $3.39 B Vol. 24h: $1.17 B is now the 32nd most valuable cryptocurrency by market cap, recently surpassing Trump-backed WLFI and USD1, MemeCore, and AAVE AAVE $201.1 24h volatility: 3.2% Market cap: $3.06 B Vol. 24h: $385.85 M . The project is trending on X, receiving massive support from industry leaders as the NEAR Intents protocol presents notable growth data. As of this writing, NEAR is trading at $2.45 with a market capitalization of $3.14 billion while experiencing a 24.33% surge in the last 24 hours. The Trump-backed World Liberty Financial stablecoin (USD1) and token (WLFI) have $2.84 billion and $2.90 billion market caps, respectively. Aave, the leading lending platform, goes with $2.99 billion, trading at $196.22, while MemeCore has a $2.86 billion capitalization. The most notable stat for NEAR, however, is the token volume being traded in the last 24 hours, registering a 232% increase at $858 million, accounting for nearly 27% of NEAR Protocol’s market cap, according to CoinMarketCap data on November 7. NEAR price, market cap, volume, and rank as of November 7, 2025 | Source: CoinMarketCap NEAR Intents Growth and More Chains Added One of the main catalysts for this surge is that NEAR is trending among industry leaders thanks to NEAR Intents growth, as Coinspeaker reported on October 30. The public support and interest continue to rise in social platform trenches, like X, with many experts highlighting the growth. Haseeb Qureshi, managing partner at Dragonfly, is one of these names, sharing data from Token Terminal showing “some serious fee numbers” from NEAR Intents, which is usually seen as protocol revenue. Wow. @NEARProtocol intents starting to put up some serious fee numbers. pic.twitter.com/AF3uPwge1L — Haseeb ＞|＜ (@hosseeb) November 7, 2025 Data Coinspeaker gathered from the NEAR Intents Dune Analytics dashboard shows a total of $5.44 million in fees generated by the protocol since its launch. The all-time volume is currently nearing the $4 billion mark, just one week after reaching $3 billion. Seven-day and 30-day volumes are at $845 million and $2 billion, respectively, evidencing the strong momentum for the ecosystem, now partially translated into a price surge. NEAR Intents dashboard, as of November 7, 2025 | Source: Dune Analytics Moreover, Bowen Wang, CTO at the NEAR Foundation, teased six to seven more chains being added to NEAR Intents this month, November. A quick investigation suggests that Litecoin LTC $96.84 24h volatility: 11.9% Market cap: $7.28 B Vol. 24h: $838.47 M could be one of them, as an ltc.omft.near smart contract was created yesterday, on November 6. The same pattern was identified when the protocol added support to Aptos and later Cardano. NEAR Intents will add six or seven new chains this month, per Bowen Litecoin $LTC may be one of them> ltc.omft.near smart contract deployed yesterday If not this month, @litecoin is likely joining the 20+ chains benefiting from NEAR's chain abstraction stack very soon 👀 https://t.co/mzntw6bkFp pic.twitter.com/O2lRx2u0O2 — Vini Barbosa |「 thecoding 」 (@vinibarbosabr) November 7, 2025 The momentum is favorable to NEAR from both an investment and utility perspective, especially now following the inflation halving approval that reduced NEAR’s annual tail emission from 5% to 2.5%, which could act as a catalyst for further growth as the available supply pressure is expected to diminish over time. nextThe post NEAR Surpasses AAVE, Trump-Backed WLFI Amid Intents Growth appeared first on Coinspeaker.

Author: Coinstats

2025/11/08

Market Maker Flowdesk Says Crypto Credit Is Finding a Fragile Balance

Market Maker Flowdesk Says Crypto Credit Is Finding a Fragile Balance

The post Market Maker Flowdesk Says Crypto Credit Is Finding a Fragile Balance appeared on BitcoinEthereumNews.com. Stream Finance’s recent disclosure of a default and $93 million loss, combined with October’s $20 billion crypto crash, has left digital-asset lenders scrambling to unwind risk while keeping credit lines robust, according to a new note from Flowdesk. Flowdesk says leverage is getting reduced as traders reassess counterparties, but credit hasn’t frozen. Borrowing demand for SOL, XLM, ENA, APT and BTC remains “robust,” Flowdesk wrote, mostly tied to hedging and funding strategies rather than directional bets. Yields for low-risk blue chip lending pools like Maple and Jito have seen compression, but remain stable and well above the Chainlink DeFi Yield Index of 5% and 10 year treasury yields. Flowdesk’s credit desk said it has observed “deleveraging flows as counterparties reposition and reassess amid recent price action,” noting that while capital is rotating out of riskier pools, “a few counterparties have stepped in to add leverage at current levels, focused on majors.” “Overall, rates and yields have compressed across the board, with widespread defensive positioning and many participants sidelined, awaiting a clearer market rebound,” the firm wrote. The question is: when will this market rebound? CryptoQuant says the market is flashing bearish warning signs like it did in 2022. If that crystal ball proves right, the coming weeks could put more pressure on funding rates and further compress yields across DeFi credit pools, bringing them closer to what treasuries earn. Source: https://www.coindesk.com/markets/2025/11/07/market-maker-flowdesk-says-crypto-credit-is-finding-a-fragile-balance

Author: BitcoinEthereumNews

2025/11/07

Japan Combines Stablecoin Growth With Stricter Crypto Rules

Japan Combines Stablecoin Growth With Stricter Crypto Rules

The post Japan Combines Stablecoin Growth With Stricter Crypto Rules appeared on BitcoinEthereumNews.com. Japan’s Financial Services Agency (FSA) today unveiled two significant measures to advance the nation’s cryptocurrency sector. The financial regulator is backing a stablecoin proof-of-concept with top banks. Meanwhile, proposals are being introduced for enhanced regulations on crypto lending and initial exchange offerings (IEOs). Major Japanese Banks Unite for Stablecoin Trials On November 7, the FSA introduced the Payment Innovation Project (PIP) as part of its FinTech Experimental Hub. The initiative brings together some of Japan’s leading financial institutions to jointly test the issuance of stablecoins within a regulated environment. Sponsored Sponsored The participants include the Mizuho Bank, Mitsubishi UFJ Bank, Mitsubishi Corporation, Mitsubishi UFJ Trust and Banking Corporation, Sumitomo Mitsui Banking Corporation, and Progmat. “Considering the growing domestic and international progress in exploring advanced payment systems using blockchain technology, the FSA launched the ‘Payment Innovation Project’ (PIP) — a sub-initiative within the FinTech Proof-of-Concept Hub specializing in the payment sector — on November 7, 2025,” the regulator wrote. According to the FSA, the experiment will examine whether multiple banking groups can legally and efficiently issue electronic payment instruments using blockchain technology. The trial aims to verify compliance procedures, operational readiness, and regulatory compatibility. “After the completion of the PoC, the FSA plans to publish the experiment’s results and conclusions on its official website. These will include key findings related to compliance and supervisory responses, as well as practical issues in legal interpretation that may arise when providing services to the general public,” the notice added. This development follows the October 27 launch of Japan’s inaugural regulated yen-pegged stablecoin by JPYC Inc. The JPYC token operates under the Payment Services Act. Japan Seeks To Tighten Crypto Lending and IEO Oversight At the same time, the FSA convened a meeting to advocate for stricter oversight and close regulatory loopholes. According to local…

Author: BitcoinEthereumNews

2025/11/07

Why the $5 Million Giveaway Is FUNToken’s Most Ambitious Community Event Yet

Why the $5 Million Giveaway Is FUNToken’s Most Ambitious Community Event Yet

When a blockchain project decides to allocate millions of dollars in rewards, it sends a clear message: the community is the real engine of growth. That’s exactly what FUNToken is doing with its upcoming $5 million giveaway, a large-scale initiative set to go live through 5m.fun. FUNToken’s giveaway represents the culmination of months of ecosystem building, strategic roadmap execution, and the rise of an increasingly active community that now stands at the center of its next phase. From Utility to Experience: The Broader Vision FUNToken has spent the past year broadening its role from being a digital asset used in gaming environments to becoming the backbone of a wider Web3 entertainment and rewards ecosystem. The upcoming giveaway is not a standalone event; it’s a milestone in this transformation. The initiative aims to create more touchpoints between the project and its users by bridging the gap between passive token ownership and active ecosystem participation. Each phase of the campaign, hosted on 5m.fun, is designed to pull the community deeper into the FUNToken experience: engaging with new tools, learning about its AI integrations, and connecting with like-minded participants through the Telegram community. What sets this event apart is how closely it ties into the FUNToken roadmap. While giveaways often exist as isolated campaigns, this one reinforces the roadmap’s key pillars, which include growth through engagement, AI-enhanced gaming innovation, and long-term utility expansion. The Community as the Core At its heart, the $5 million giveaway is an acknowledgment of FUNToken’s most valuable asset: its people. With a rapidly growing base of over 104,000 holders, the project has matured into one of the most cohesive communities in its segment. The giveaway provides a structured way to recognize and reward those contributors while attracting new members who align with its ethos of participation and collaboration. The campaign is expected to roll out across several interactive layers, from sign-ups and referral rewards to ecosystem tasks that may involve using upcoming AI-driven tools or testing gaming features linked to FUNToken’s expanding infrastructure. These aren’t random incentives; they’re engineered to convert short-term excitement into lasting engagement. By blending reward mechanics with community activities, FUNToken isn’t just distributing tokens - it’s cultivating advocacy. Each participant becomes an ambassador, spreading awareness and building organic momentum around the project. Building the Foundations for Long-Term Growth The true ambition of this campaign lies not in the dollar amount, but in its design for continuity. FUNToken’s ecosystem already includes integrations and technologies that encourage ongoing interaction, such as its upcoming AI-powered Telegram Bot, which will streamline community engagement and real-time updates. The giveaway leverages this infrastructure, ensuring that every participant has an immediate pathway to stay involved even after the rewards are distributed. From a strategic standpoint, this initiative strengthens FUNToken’s network effect. A growing community translates into higher adoption rates for upcoming games, partnerships, and ecosystem expansions, all of which are mapped out on the FUNToken roadmap. Market Momentum and Renewed Confidence The timing of this campaign aligns with a subtle but important shift in market sentiment. According to CoinMarketCap, FUNToken is currently trading around $0.0035 USD, with a market capitalization of $37.7 million and daily trading volumes exceeding $15.8 million. This renewed momentum reflects the community’s optimism and the anticipation surrounding the giveaway launch. Over the past week, $FUN has seen consistent buying pressure from both retail and long-term holders, which is a clear sign of this event being perceived not as a one-time promotion, but as a meaningful inflection point for the ecosystem. Why This Campaign Stands Apart Crypto projects have tried many ways to engage their users. Think airdrops, reward pools, staking bonuses, and the likes. But FUNToken’s $5 million giveaway introduces a scale and sophistication that few community events have achieved. The campaign’s design addresses three essential aspects of community building: 1. Inclusivity: Open access through 5m.fun ensures both early adopters and newcomers can participate. 2. Utility: Rewards are tied to engagement, not speculation, reinforcing real ecosystem use. 3. Sustainability: The event connects directly to future roadmap milestones, ensuring that engagement doesn’t end when the campaign does. This trifecta - reward, participation, and continuity - is what makes the giveaway FUNToken’s most ambitious event yet. It’s a signal of maturity, showing that the project’s growth is not driven by temporary market movements but by long-term community trust. The Road Ahead As the giveaway goes live, all eyes will be on how effectively FUNToken translates short-term participation into sustained loyalty. The tools are already in place: a detailed roadmap, an expanding AI-driven ecosystem, and an active Telegram channel where users can stay informed and connected. For the FUNToken team, this campaign represents a blueprint for how Web3 projects can reward, retain, and rally their users around a shared vision. For the community, it’s an opportunity to not just win, but to help shape the next phase of a token built on engagement, innovation, and trust. In essence, the $5 million giveaway is a statement of belief: that a token’s true value lies not in its price chart, but in the strength of the people behind it. Disclaimer: This article is provided for informational purposes only. It is not offered or intended to be used as legal, tax, investment, financial, or other advice.

Author: Coinstats

2025/11/07

Top 3 Cryptocurrencies Analysts Are Tracking for Q1 2026 Growth, One of Them Could Surge 850%

Top 3 Cryptocurrencies Analysts Are Tracking for Q1 2026 Growth, One of Them Could Surge 850%

The post Top 3 Cryptocurrencies Analysts Are Tracking for Q1 2026 Growth, One of Them Could Surge 850% appeared on BitcoinEthereumNews.com. As 2026 approaches, market analysts are turning their attention to the next wave of cryptocurrencies poised for major growth. While blue-chip assets like Bitcoin (BTC) and Cardano (ADA) continue to dominate the headlines, many investors are realizing that their upside potential may be limited due to already massive market caps. The search for the best crypto to buy now has led analysts to spotlight a new contender that blends strong fundamentals with early-stage pricing, Mutuum Finance (MUTM). Bitcoin (BTC) Bitcoin (BTC) remains the undisputed leader of the cryptocurrency market, trading near $100,000 with a market cap exceeding $2 trillion. It’s often seen as the benchmark for all crypto movements, but at this scale, its growth curve is slowing. The world’s first cryptocurrency is facing heavy resistance between $116,900 and $120,000, with analysts identifying major support levels near $99,000. While Bitcoin has proven its resilience, its role has shifted. Once a high-growth asset, it now behaves more like digital gold, a store of value rather than a token for exponential profit. Analysts predict moderate growth for BTC heading into 2026, with a possible range of $125,000 to $135,000, representing only a 10–15% increase from current levels. Cardano (ADA) Cardano (ADA) is one of the most respected blockchain platforms for scalability and governance, but its price performance has been stagnant. ADA currently trades around $0.55, with a market cap of nearly $19 billion. The token faces resistance between $0.80 and $0.98, with a strong psychological barrier at $1.00. Support levels rest near $0.50–$0.57, a zone that has repeatedly been tested throughout 2025. Despite consistent development activity, Cardano’s growth potential is constrained by its maturity. It’s no longer a small-cap innovation story, it’s a well-established network facing tough competition from faster, newer DeFi ecosystems. Analysts believe ADA could trade between $0.90 and $1.10…

Author: BitcoinEthereumNews

2025/11/07

XRP And MUTM Shine Bright, The Duo Tipped for Massive Gains When Market Eyes Recovery

XRP And MUTM Shine Bright, The Duo Tipped for Massive Gains When Market Eyes Recovery

As the crypto market begins showing signs of recovery, investor attention is turning back to projects with real-world use cases. History has shown that strong utility, not hype, builds long-term value. XRP proved this through its success in global payment systems, earning the trust of both institutions and individual investors. Now, a new crypto coin, [...] The post XRP And MUTM Shine Bright, The Duo Tipped for Massive Gains When Market Eyes Recovery appeared first on Blockonomi.

Author: Blockonomi

2025/11/07

Hyundai Taps UK’s CuspAI to Accelerate AI-Driven Material Discovery

Hyundai Taps UK’s CuspAI to Accelerate AI-Driven Material Discovery

TLDRs; Hyundai partners with UK startup CuspAI to develop advanced mobility materials using AI. CuspAI applies generative AI and molecular simulations to discover new compounds. The move reflects a wider industry trend toward AI-led materials innovation. The partnership may explore batteries, hydrogen fuel cells, and sustainable composites. Hyundai Motor Group has entered a new frontier [...] The post Hyundai Taps UK’s CuspAI to Accelerate AI-Driven Material Discovery appeared first on CoinCentral.

Author: Coincentral

2025/11/07

Japan’s FSA Eyes Tightening Crypto Lending Rules

Japan’s FSA Eyes Tightening Crypto Lending Rules

Japan's FSA is mulling the idea of tightening rules surrounding crypto lending, a move designed to protect investors in the region. The post Japan’s FSA Eyes Tightening Crypto Lending Rules appeared first on Coinspeaker.

Author: Coinspeaker

2025/11/07

Why Investing in This Cheap Crypto Could Be More Profitable Than ETH or BTC in 2026

Why Investing in This Cheap Crypto Could Be More Profitable Than ETH or BTC in 2026

The post Why Investing in This Cheap Crypto Could Be More Profitable Than ETH or BTC in 2026 appeared first on Coinpedia Fintech News Could a $0.035 token truly outperform Bitcoin (BTC) and Ethereum (ETH) by 2026? While ETH and BTC continue to dominate headlines, smaller projects with real use cases are preparing to lead the next big wave of crypto growth. Mutuum Finance (MUTM) stands out as one of those few projects built on real value, not just …

Author: CoinPedia

2025/11/07

Best Crypto Presales to Buy Now – Digitap ($TAP) vs. Bitcoin Hyper vs. Pepenode

Best Crypto Presales to Buy Now – Digitap ($TAP) vs. Bitcoin Hyper vs. Pepenode

While retail investors panic about ongoing price action in majors, smart money is sniffing out the best market opportunities, and in crypto, there are always opportunities.  As the most popular cryptocurrencies currently face considerable bearish pressure, new projects like Digitap ($TAP), Bitcoin Hyper, and PEPENODE are capturing the attention of investors as each promises something bold. But which of them could be the best crypto to buy now in November? Digitap is the world’s first omni-bank for crypto and fiat, having already raised over $1.5 million in its fast-selling presale. Bitcoin Hyper is addressing Bitcoin’s speed and scalability, while PEPENODE is transforming staking into a joyful, gamified experience. With billions of dollars coming into early-stage startups, investors are questioning which ones could provide the next 100x returns. Bitcoin Hyper: Supercharging Bitcoin for the Future? Bitcoin Hyper is attempting to improve on what Bitcoin can do. It is a powerful Layer 2 solution that was developed to take care of some (if not all) of the major problems that Bitcoin usually faces. These include speed, fees, and scalability. By employing the Solana Virtual Machine (SVM), Bitcoin Hyper brings smart contracts and lightning-fast transactions to Bitcoin. This allows developers to build DeFi, gaming, and Web3 apps with ease. Its decentralized Canonical Bridge connects directly to Bitcoin’s basic layer, letting users move BTC easily between chains. This means near-instant transactions, ultra-low fees, and no compromise on Bitcoin’s famed security.The $HYPER price is currently at $0.013225, and the presale has already raised more than $26 million. Investors are probably taking note of its potential as one of the promising altcoins to buy now, as Bitcoin Hyper might just be gradually becoming the key to unlocking Bitcoin’s full potential, combining the trust of Bitcoin with the speed and flexibility of Solana. PEPENODE: Gamified Staking for the Next Generation? PEPENODE is trying to make how people interact with crypto much better. Instead of just passive presales and technical staking, it adds a gamified virtual mining system that is enjoyable, accessible, and rewarding. Moreover, users can build digital server rooms, enhance facilities, and earn virtual rewards all without hardware or sophisticated installations. Built on Ethereum, PEPENODE uses safe smart contracts to handle staking, governance, and rewards, assuring transparency from the start. The web-based mining dashboard records progress in real time, with mobile apps planned for post-launch. The $PEPENODE token is presently valued at $0.0011363, with the presale already raising more than $2 million.With early adopters enjoying tiered node advantages and interactive engagement before launch, PEPENODE could possibly stand out among the top crypto presale investments to watch. $PEPENODE attempts to go beyond just being another token in the crypto market; rather, it aims to be a community-driven, gamified staking revolution. Digitap: The World’s First Omni-Bank for Crypto and Fiat Digitap is the world’s first omni-bank, blending traditional finance with blockchain innovation to transform the way that people manage money all around the world. It is a worldwide superapp that lets users deposit, transfer, swap, and spend both crypto and fiat seamlessly. Integrated with Apple Pay, Google Pay, and Visa, Digitap enables quick tap-to-pay transactions. It makes using crypto very easy across millions of merchant terminals globally. Moreover, users may also enjoy offshore, no-KYC accounts, best-rate currency swaps, and full privacy with selectable anonymity settings and encrypted transfers. The platform’s jurisdiction-aware compliance engine maintains transactions smoothly while respecting global standards.With AI-powered remittances, cashback benefits, and in-app peer-to-peer Digitap transfers, Digitap delivers unsurpassed real-world usability. As blockchain meets traditional banking, Digitap is setting a new norm for financial freedom. This makes it possibly the best crypto presale to invest in today for investors seeking both utility and potentially good ROIs. Digitap Presale: The Best Crypto Presale to Buy Now? Digitap’s presale is already drawing the attention of smart investors, while some people are still busy doubting its potential. In round two, the $TAP token is priced at $0.0268, already up over 100% from its $0.0125 initial price. More than $1.5 million has been raised, with over 98 million tokens sold, and almost 70% of the current presale round is already sold out. The next phase will see the price grow to $0.0297, ahead of a predicted $0.14 exchange listing, which is around a potential 422% gain from the current price. Investors are perhaps enticed by Digitap’s good tokenomics, where 50% of platform fees are spent on buybacks, burns, and staking incentives reaching 124% APY.Audited by Solidproof and Coinsult, Digitap’s transparency offers added confidence. With the beta version online on iOS and Android and demand growing, this is the kind of early asymmetry that smart investors may be seeking. $TAP is not just one of the top altcoins to buy; some investors probably even consider it the best crypto to buy now in November. Why Digitap Could Be the Best Crypto to Buy Now As Bitcoin Hyper pushes Bitcoin toward scalability and PEPENODE gamifies staking, Digitap is quietly constructing something much bigger, which is a bridge between blockchain and real-world banking. Its Visa-powered omni-banking superapp already works with Apple Pay and Google Pay, bringing crypto spending into everyday life. USE THE CODE “DIGITAP15” FOR 15% OFF FIRST-TIME PURCHASES With over $1.5 million raised and approximately 70% of the current presale round sold out, Digitap is gathering traction rapidly. The $TAP token will likely benefit from genuine adoption, AI-driven remittances, and robust tokenomics that reward long-term holders. Risks like regulatory adjustments persist, but the compliance-first methodology and successful beta software of Digitap offer confidence. Among all the best altcoins to buy now in 2025, Digitap stands out for its utility, scalability, and timing. Join the presale now before it’s too late. Discover how Digitap is unifying cash and crypto by checking out their project here: Presale: https://presale.digitap.app Website: https://digitap.app  Social: https://linktr.ee/digitap.app This article is not intended as financial advice. Educational purposes only.

Author: Coinstats

2025/11/07

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