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Commodity Zero-Fee Gala

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
Canaan Secures $72M Investment to Potentially Strengthen Bitcoin Ecosystem and AI Growth

Canaan Secures $72M Investment to Potentially Strengthen Bitcoin Ecosystem and AI Growth

The post Canaan Secures $72M Investment to Potentially Strengthen Bitcoin Ecosystem and AI Growth 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 → Canaan Inc. has secured a $72 million strategic investment from BH Digital, a division of Brevan Howard, along with Galaxy Digital and Weiss Asset Management. This funding, acquired via American depository shares, bolsters the company’s position in Bitcoin mining and its expansion into AI-driven data centers, signaling strong institutional confidence in its long-term growth. The investment involves purchasing American depository shares representing 15 Class A common stocks each, without warrants or derivatives, highlighting trust in Canaan’s core operations. Canaan is pivoting toward high-return computing projects, including AI data centers, to diversify beyond traditional crypto mining. With 9.3 EH/s mining capacity and recent Nasdaq compliance, Canaan holds 1,582 BTC and operates eight data centers, positioning it as the 14th largest mining firm. Canaan Inc. secures $72M investment from BH Digital, Galaxy Digital, and Weiss Asset Management to fuel Bitcoin ecosystem growth and AI expansion. Discover how this boosts its mining and computing future—read more now. What is the significance of Canaan Inc.’s $72M investment? Canaan Inc.’s $72M investment from prominent firms like BH Digital, Galaxy Digital, and Weiss Asset Management…

Author: BitcoinEthereumNews

2025/11/05

Ripple Price Prediction: Can XRP Rebound as This New Crypto Eyes 20x?

Ripple Price Prediction: Can XRP Rebound as This New Crypto Eyes 20x?

Lunar Strategy will host an Afterworks Series in Lisbon during Web Summit, gathering crypto and AI founders for nightly talks, networking, food and music.

Author: Blockchainreporter

2025/11/05

The Cheapest Crypto Under $0.05 That Could 25x Next Year

The Cheapest Crypto Under $0.05 That Could 25x Next Year

Bitcoin and Ethereum are close to all-time highs, so most traders are currently seeking cheap tokens which can be profitable. The largest returns in a market cycle are normally observed in top crypto projects that have low entry price, true utility, and distinct developmental growth. One of such projects is Mutuum Finance (MUTM). It is […]

Author: Cryptopolitan

2025/11/05

The Butterfly Effect: Balancer Hijacked, Stream Finance Stablecoin xUSD De-pegged

The Butterfly Effect: Balancer Hijacked, Stream Finance Stablecoin xUSD De-pegged

Original author: Omer Goldberg, Chaos Labs Original translation: Deep Tide TechFlow Summarize Hours after the vulnerability attack on the multi-chain platform @Balancer caused widespread uncertainty in the DeFi field, @berachain urgently executed a hard fork, and @SonicLabs froze the attacker's wallet. Subsequently, the price of Stream Finance's xUSD stablecoin deviated significantly from its target range, exhibiting a clear de-pegging phenomenon. Long-standing problems resurface The long-standing controversy surrounding leverage, oracle construction, and the transparency of proof-of-reserves (PoR) has once again come into focus. This is a typical example of a "reflexive stress event" that we outlined in our article "The Black Box/Vault of DeFi" last Friday. What happened? /Background The Balancer v2 vulnerability has been exposed on multiple chains, and for a considerable period of time, it remains unclear which liquidity pools are affected and which networks or integration protocols are directly exposed to the risk. Capital panic in the information vacuum In the information vacuum, capital reacts as always: depositors scramble to withdraw liquidity from anywhere they believe they may be directly or indirectly affected, including Stream Finance. Controversy over lack of transparency Stream Finance does not currently maintain a full transparency dashboard or proof of reserve; however, it provides a link to the Debank Bundle to display its on-chain positions. However, these simple disclosures failed to clearly address the risk exposure issue after the vulnerability was exposed: the price of xUSD (Stream's overlay yield USD product) fell from the target price of $1.26 to $1.15, and has now rebounded to $1.20, while users reported that withdrawals were suspended. Risks and Controversies of Stream Finance Stream is an on-chain capital allocation platform that uses user funds to run high-return, high-risk investment strategies. Its portfolio construction employs significant leverage, making the system more resilient under stress. However, the protocol has recently come under public scrutiny due to controversy surrounding its recursive loop/minting mechanism. While the current situation does not directly indicate a liquidity crisis, it reveals the market's high sensitivity. When negative news emerges and confidence is questioned, the shift from "maybe it's okay" to "redeem immediately" is often very rapid. xUSD is used as collateral and is distributed across Curated Markets on multiple chains, including Euler, Morpho, and Silo, which cover ecosystems such as Plasma, Arbitrum, and Plume. The protocol itself has significant risk exposure in these markets, the largest of which was an $84 million USDT loan secured by xUSD on Plasma. Collateral Mechanism and Risk Buffer When the market price of xUSD falls below its book value, the related positions are not immediately liquidated. This is because many markets do not link the value of the collateral to the spot AMM (Automated Market Maker) price, but instead rely on hard-coded or "underlying value" price feeds that track the reported asset backing rather than the current secondary market price. During calm periods, this design can mitigate tail risk liquidation caused by short-term volatility, especially in stable products. This is one of the reasons why DeFi protocols outperformed centralized platforms during the liquidation wave on October 10th. However, this design could also quickly turn price discovery into trust discovery: choosing a base (or hard-coded) oracle requires thorough due diligence, including the authenticity, stability, and risk characteristics of the asset backing. In short, this mechanism only applies if there is a comprehensive proof of reserve and redemption can be completed within a reasonable timeframe. Otherwise, the risk lies in the possibility that lenders or depositors may ultimately bear the consequences of bad debts. Stress testing on Arbitrum Taking Arbitrum as an example, the current market price on the MEV Capital Curated xUSD Morpho Market is below the LLTV (Minimum Lending-to-Value Ratio). If the xUSD peg price fails to recover, the market could deteriorate further with utilization reaching 100% and lending rates soaring to 88%. We are not against basic oracles; on the contrary, they play a crucial role in preventing unfair liquidations caused by short-term volatility. Similarly, we are not against tokenized or even centralized yield-generating assets. However, we advocate for basic transparency and modern, systematic, and professional risk management when deploying money markets around these assets. Curated markets can be engines of responsible growth, but they should not become a race to the top where safety and rationality are sacrificed in pursuit of high returns. If the structure is complex and prone to a "domino effect," then its collapse should not be surprising when the first gust of wind blows. As the industry becomes more specialized and some revenue-generating products become more structured (though potentially more obscure for end users), stakeholders must raise their standards. While we hope to eventually resolve the issue properly for affected users, this incident should serve as a wake-up call for the entire industry.

Author: PANews

2025/11/05

$284M In DeFi Loans And Stablecoin Risk Traced To Stream Finance

$284M In DeFi Loans And Stablecoin Risk Traced To Stream Finance

The post $284M In DeFi Loans And Stablecoin Risk Traced To Stream Finance appeared on BitcoinEthereumNews.com. Decentralized finance (DeFi) researchers mapped out more than $284 million in stablecoin exposure and outstanding loans linked to Stream Finance, following the protocol’s collapse.  On Tuesday, a detailed post by DeFi group Yields and More (YAM) flagged dozens of lending markets and vaults, including platforms Euler, Silo, Morpho and Gearbox, that held positions connected to Stream’s synthetic assets, which include xUSD, xBTC and xETH.  The data highlighted the extent of the fallout. Exposure loops involving Elixir’s deUSD, Treeve’s scUSD and other assets suggested that at least $284.9 million in overall debt is owed to lenders across various markets. This excludes indirect exposure via secondary vaults and other lending strategies.  According to the post, DeFi funds and curators included TelosC, Elixir, MEV Capital, Varlamore and Re7 Labs. The post showed that TelosC has about $123 million in material exposure, while Elixir lent $68 million to Stream, which is estimated to be 65% of its stablecoin backing.  Source: Elixir YAM said more vaults and stables were “likely affected”  Elixir claimed to have contractual redemption rights at $1 per deUSD. However, Stream Finance reportedly said that the repayment must wait until lawyers determine “who is owed what.” The findings reinforce existing concerns about transparency in the DeFi ecosystem’s high-yield infrastructures. The protocols involved had layered exposures through lending markets and derivative stablecoins, making it difficult to pinpoint who ultimately bears the losses.  “This is not an extensive list; there likely are more stables/vaults affected, and the information presented here is not guaranteed to be accurate,” YAM wrote.  Related: Crypto sentiment nosedives to ‘extreme fear’ as Bitcoin drops under $106K Stream Finance’s $93 million loss  The exposure map follows Stream Finance’s announcement that it had paused deposits and withdrawals after finding a $93 million loss attributed to an external fund manager.  The project stated…

Author: BitcoinEthereumNews

2025/11/05

AAVE: Will the $50mln buyback plan repeat the 50% price surge?

AAVE: Will the $50mln buyback plan repeat the 50% price surge?

The post AAVE: Will the $50mln buyback plan repeat the 50% price surge? appeared on BitcoinEthereumNews.com. Key Takeaways  Why has Aave made token buyback official? The team said that the trial initiative was a “strong success” in improving AAVE value accrual.  Will it lift the token above $200 again?  Yes, under a positive, broader market sentiment, the deflation plan could boost AAVE in the long run. DeFi lending giant Aave [AAVE], has unanimously approved the creation of a $50 million per year buyback program. The move followed what the project called a “strong success” after a pilot test initiated in May, designed to improve the tokenomics of the AAVE token.  According to the plan, the team would eye $250K-$1.75 million in weekly AAVE purchases, based on protocol revenue and other factors.  Source: Aave DAO There are two additional steps before the proposal can be enforced. That being said, AMBCrypto evaluated the pilot test to gauge the potential impact of the latest update.  AAVE buybacks and potential impact Since May, the initiative has bought over 94K AAVE tokens and spent over $22 million in the process. The team added 20.1K AAVE in May, marking the largest monthly purchase during the trial program.  Source: Blockworks During the same month, AAVE posted price gains of over 50%, partly influenced by the broader recovery in Q2. From July to October, the team acquired about 10K AAVE on a monthly average.  The deflation move and broader recovery lifted AAVE to $385 by August. However, Q4 headwinds dragged AAVE below $200 despite the ongoing buyback.  Beyond deflation and market sentiment, AAVE’s value also has a strong positive correlation with Ethereum [ETH].  ETH correlation drives AAVE swings Source: Blockworks The chart showed that during ETH rallies, AAVE pumped even harder. However, during pullbacks, AAVE also dumped harder.  As the barometer of the broader DeFi ecosystem, ETH’s momentum also trickles down to the sector’s…

Author: BitcoinEthereumNews

2025/11/05

Aave Approves $50M Annual AAVE Buyback: Potential Long-Term Price Boost Amid Pressures

Aave Approves $50M Annual AAVE Buyback: Potential Long-Term Price Boost Amid Pressures

The post Aave Approves $50M Annual AAVE Buyback: Potential Long-Term Price Boost Amid Pressures 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 → Aave’s AAVE token buyback program, approved unanimously by the DAO, allocates $50 million annually to repurchase tokens, building on a successful pilot that acquired over 94,000 AAVE for more than $22 million since May 2025. This deflationary strategy aims to enhance token value accrual amid DeFi market dynamics. Aave DAO approves $50 million yearly buyback to boost AAVE tokenomics. Pilot program repurchased 94,000+ AAVE tokens, spending over $22 million. AAVE price reached $385 in August 2025 but fell below $200 due to Q4 market pressures; strong Ethereum correlation influences swings. Discover Aave’s AAVE token buyback program details, pilot results, and market impacts in this 2025 update. Learn how deflationary measures could drive long-term value—explore DeFi strategies today. What is Aave’s AAVE token buyback program? Aave’s AAVE token buyback program is a DAO-approved initiative to allocate $50 million annually for repurchasing AAVE tokens, aimed at improving token value accrual through deflationary mechanics. Launched after a successful pilot in May 2025, the program involves weekly purchases ranging from $250,000 to $1.75 million, depending on protocol revenue and market conditions. This structured…

Author: BitcoinEthereumNews

2025/11/05

Nasdaq CEO Outlines 3 Ways Blockchain Can Fix Finance

Nasdaq CEO Outlines 3 Ways Blockchain Can Fix Finance

The post Nasdaq CEO Outlines 3 Ways Blockchain Can Fix Finance appeared on BitcoinEthereumNews.com. Nasdaq CEO Adena Friedman sees blockchain reshaping the traditional financial system in three key ways: by overhauling post-trade infrastructure, unlocking trapped capital through better collateral mobility and enabling faster, more seamless payments. “There’s just so much capital trapped, whether it’s in clearinghouses or clearing brokers,” Friedman said during a discussion with Ripple President Monica Long at the Swell conference in New York on Tuesday. “If we do it right, we can actually make that an opportunity to deliver more capital to the system.” Post-trade processes — the systems that finalize and settle securities transactions — remain deeply fragmented and often rely on decades-old infrastructure. Friedman noted that while some complexity is intentional, often for reasons like risk management or allocation tracking, much of the friction is unnecessary. She believes blockchain could help unify and streamline those workflows, cutting down on inefficiencies that tie up capital and slow down financial activity. The second major opportunity lies in improving how financial institutions move and manage collateral — the assets pledged in trading and lending transactions to mitigate risk. According to Friedman, digital assets could make it easier to transfer collateral quickly across platforms and borders. “What we really love about the idea of digital assets is being able to move that collateral,” she said. “We can create a collateral mobility effort and … free a lot of capital.” Payments are the third area ripe for change. While Nasdaq doesn’t operate in the payments sector, Friedman emphasized that smoother, more efficient payment systems are key to allowing investors to participate in global markets without friction. She described today’s payment infrastructure as a bottleneck, slowing down the flow of capital. If those systems could be improved or rebuilt using blockchain, she said, it could unlock significant amounts of capital currently tied up in outdated…

Author: BitcoinEthereumNews

2025/11/05

CaaS: The "SaaS Moment" for Blockchain

CaaS: The "SaaS Moment" for Blockchain

Source: VeradiVerdict Compiled by: Zhou, ChainCatcher Summary Crypto as a Service (CaaS) is the "Software as a Service (SaaS) era" in the blockchain space. Banks and fintech companies no longer need to build crypto infrastructure from scratch. They can simply connect to APIs and white-label platforms to launch digital asset functionality within days or weeks, instead of the years that used to take. ( Note: White-labeling essentially involves one party providing a product or technology, while another party brands it for sale or operation. In the finance/crypto field, this refers to banks or exchanges using third-party trading systems, wallets, or payment gateways and then rebranding them.) Mainstream markets are accelerating adoption through three channels. Banks are partnering with custodians like Coinbase, Anchorage, and BitGo while actively exploring tokenized assets; fintech companies are issuing their own stablecoins using platforms like M^0; and payment processors such as Western Union (with $300 billion in annual transactions) and Zelle (with over $1 trillion in annual transactions) are now integrating stablecoins to enable instant, low-cost cross-border settlements. Crypto as a Service (CaaS) isn't actually that complicated. Essentially, it's Software as a Service (SaaS) based on cryptocurrency, making it a hundred times easier for institutions and businesses to integrate into the cryptocurrency space. Banks, fintech companies, and enterprises no longer need to painstakingly build internal cryptocurrency functionality. Instead, they can simply plug and play, deploying within days using proven APIs and white-label platforms. Businesses can focus on their customers without worrying about the complexities of blockchain. They can leverage existing infrastructure to participate in cryptocurrency transactions more efficiently and cost-effectively. In other words, they can easily and seamlessly integrate into the digital asset ecosystem. CaaS is poised for exponential growth. CaaS is a cloud-based business model and infrastructure solution that enables businesses, fintech companies, and developers to integrate cryptocurrency and blockchain functionality into their operations without having to build or maintain the underlying technology from scratch. CaaS provides ready-to-use, scalable services, typically delivered via APIs or white-label platforms, such as crypto wallets, trading engines, payment gateways, asset storage, custody, and compliance tools. This allows businesses to quickly offer digital asset functionality under their own brand, reducing development costs, time, and required technical expertise. Like other "as-a-service" offerings, this model allows businesses of all sizes, from startups to established companies, to participate in a cost-effective manner. In September 2025, Coinbase Institutional listed CaaS as one of its biggest growth areas. Since 2013, Pantera Capital has been committed to driving the development of CaaS through investment. We strategically invest in infrastructure, tools, and technology to ensure that CaaS can operate at scale. By accelerating the development of backend fund management, custody, and wallets, we have significantly enhanced the service tier of CaaS. Advantages of CaaS By using CaaS to transparently integrate encryption capabilities into their systems, enterprises can achieve numerous strategic and operational advantages more quickly and cost-effectively. These advantages include: One-stop integration and seamless embedding : The CaaS platform eliminates the need for custom development cycles, enabling teams to activate features in days rather than months. Flexible profit models : Businesses can choose a subscription-based fixed-price model for predictable costs, or a pay-as-you-go billing model to keep expenses in line with revenue. Either approach avoids large upfront capital investments. Outsourcing blockchain complexity : Enterprises can offload technical management while benefiting from a powerful enterprise-grade backend, ensuring near-perfect uptime, real-time monitoring, and automatic failover. Developer-friendly APIs and SDKs : Developers can embed wallet creation and key management functions, smoothly handle on-chain settlements, trigger smart contract interactions, and create a comprehensive sandbox environment. White-label branding and an intuitive interface : The CaaS solution is easy to customize, enabling non-technical teams to configure free infrastructure, supported assets, and user onboarding processes. Other value-added features : Leading providers bundle ancillary services together, such as fraud detection based on on-chain analytics; automated tax filing; multi-signature fund management; and cross-chain bridging for asset interoperability. These characteristics transform cryptocurrency from a technological novelty into a revenue-generating product line while maintaining a focus on core business capabilities. Three core use cases We believe the world is rapidly evolving towards a cryptocurrency-native environment, with individuals and businesses interacting more frequently with digital assets. This shift is driven by increasing user acceptance of blockchain wallets, decentralized applications, and on-chain transactions, which in turn benefits from continuously improving user interfaces, abundant educational resources, and practical application value. However, for cryptocurrencies to truly integrate into the mainstream and achieve widespread adoption, a strong and seamless bridge must be built to bridge the gap between traditional finance (TradFi) and decentralized finance (DeFi). Institutions seek the advantages of cryptocurrencies (speed, programmability, and global accessibility) while relying on trustworthy intermediaries to manage their underlying complexities: tools, security, technology stack, and liquidity provision. Ultimately, this ecosystem integration could gradually bring billions of users onto the blockchain. Use Case 1: Bank Banks are increasingly partnering with regulated cryptocurrency custodians such as Coinbase Custody, Anchorage Digital, and BitGo to provide institutional-grade custody, insured storage, and seamless spot trading services for digital assets like Bitcoin and Ethereum. These foundational services—custody, execution, and basic lending—represent the most readily achievable aspects of cryptocurrency integration, enabling banks to easily embrace customers without forcing them out of the traditional banking system. Beyond these fundamental elements, banks can leverage decentralized finance (DeFi) protocols to generate competitive returns from idle treasury assets or customer deposits. For example, they can deploy stablecoins into permissionless lending markets (such as Morpho, Aave, or Compound) or liquidity pools of automated market makers (AMMs) like Uniswap to obtain real-time, transparent returns that typically outperform traditional fixed-income products. The tokenization of Real-World Assets (RWAs) presents transformative opportunities. Banks can initiate and distribute on-chain versions of traditional securities (e.g., tokenized U.S. Treasury bonds, corporate bonds, private credit, or even real estate funds issued through BlackRock's BUIDL fund), bringing off-chain value to public blockchains like Ethereum, Polygon, or Base. These RWAs can then be traded peer-to-peer through DeFi protocols such as Morpho (for optimizing lending), Pendle (for yield sharing), or Centrifuge (for private credit pools), while ensuring KYC/AML compliance through whitelisted wallets or institutional vaults. RWAs can also serve as high-quality collateral in the DeFi lending market. Crucially, banks can offer seamless stablecoin access without losing customers. Through embedded wallets or custodial sub-accounts, customers can hold USDC, USDT, or FDIC-insured digital dollars directly within the bank's app (for payments, remittances, or yield-generating investments) without leaving the bank's ecosystem. This "walled garden" model resembles a new bank but with regulated trust. Looking ahead, major banks may form alliances to issue branded stablecoins backed 1:1 by centralized reserves. These stablecoins could be settled instantly on public blockchains while complying with regulatory requirements, thus connecting traditional finance with programmable money. If a bank views blockchain as infrastructure, rather than an accessory tool, it is likely to capture the next trillion dollars in value. Use Case 2: Fintech Companies and New Types of Banks Fintech companies and new-age banks are rapidly integrating cryptocurrencies into their core offerings through strategic partnerships with established platforms such as Robinhood, Revolut, and Webull. These collaborations enable seamless use and secure custody of digital assets, while providing instant trading of tokenized versions of traditional stocks, effectively bridging the gap between traditional finance and blockchain-based markets. Beyond partnerships, fintech companies can leverage professional service providers like Alchemy to build and launch their own blockchain infrastructure. Alchemy, a leader in blockchain development platforms, offers scalable node infrastructure, enhanced APIs, and developer tools that simplify the creation of custom Layer-1 or Layer-2 networks. This allows fintech companies to tailor blockchains for specific use cases, such as high-throughput payments, decentralized authentication, or RWA (Risk Weighted Authorization), while ensuring compliance with evolving regulatory requirements and optimizing for low latency and cost-effectiveness. Fintech companies can further deepen their involvement in the cryptocurrency space by issuing their own stablecoins and leveraging decentralized protocols on platforms like M^0 to mint yielding, fungible stablecoins backed by high-quality collateral such as US Treasury bonds. By adopting this model, fintech companies can mint their own tokens on demand, maintain full control over the underlying economic mechanisms (including interest accumulation and redemption mechanisms), ensure regulatory compliance through transparent on-chain reserves, and participate in co-governance through decentralized autonomous organizations (DAOs). Furthermore, they can benefit from enhanced liquidity pools on major exchanges and DeFi protocols, reducing fragmentation and increasing user adoption. This approach not only creates new revenue streams but also positions fintech companies as innovators in the field of programmable money and fosters customer loyalty in the competitive digital economy. Use Case 3: Payment Processor Payment companies are building stablecoin "sandwiches": a multi-tiered cross-border settlement system that receives fiat currency at one end and exports instant, low-cost liquidity in another jurisdiction, while minimizing foreign exchange spreads, intermediary fees, and settlement delays. The components of the "sandwich" include: Top Slice (Entry Point) : US customers send US dollars to payment providers such as Stripe, Circle, Ripple, or newer banks like Mercury. Filling (minting) : US dollars are immediately exchanged at a 1:1 ratio for regulated stablecoins—usually USDC (Circle), USDP (Paxos), or bank-issued digital dollars. Bottom Slice (Export) : Stablecoins are bridged or exchanged for local currency stablecoins—for example, aARS (pegged to the Argentine peso), BRLA (Brazil), or MXNA (Mexico)—or become central bank digital currency pilot projects directly (for example, Drex in Brazil). Settlement : Funds arrive in local bank accounts, mobile wallets or merchant payments on a T+0 (instant) basis, with total costs typically below 0.1%, compared to 3-7% through SWIFT + agent banks. Western Union, a 175-year-old remittance giant that processes over $300 billion in remittances annually, recently announced the integration of stablecoins into its ecosystem. Pantera Capital CEO Devin McGranahan stated in July 2025 that the company had historically been "cautious" about cryptocurrencies, concerned about their volatility and regulatory issues. However, the enactment of the Genius Act has changed this. “As the rules become clearer, we see a real opportunity to integrate digital assets into our business,” McGranahan said on the Q3 2025 earnings call. The result: Western Union is currently actively testing stablecoin solutions for Treasury settlements and customer payments, leveraging blockchain technology to eliminate the cumbersome processes of correspondent banking. Zelle, a bank-backed peer-to-peer payment giant (part of Early Warning Services, a consortium of JPMorgan Chase, Bank of America, Wells Fargo, and others), facilitates over $1 trillion in fee-free transfers annually within the United States via simple phone numbers or email addresses, currently boasting over 2,300 partner institutions and 150 million users. However, cross-border payments have been a previous challenge. On October 24, 2025, Early Warning announced a stablecoin plan aimed at bringing Zelle to the international market, offering "the same speed and reliability" overseas. As banks, fintech/new banks, and payment processors integrate cryptocurrencies in an intuitive, plug-and-play, and compliant manner (with as few regulators as possible), they can continue to expand their global reach and strengthen relationships. in conclusion CaaS is not hype—it represents a revolution in infrastructure that makes cryptocurrencies invisible to end users. Just as people don't think of AWS when watching Netflix or Salesforce when checking a CRM, consumers and businesses won't think of blockchain when making instant cross-border payments or accessing tokenized assets. The winners of this revolution are not companies that add cryptocurrencies as an afterthought to traditional systems, but rather institutions and enterprises that see blockchain as infrastructure, and the investors who support the underlying technology that underpins it all.

Author: PANews

2025/11/05

Silo DAO will take legal action against Stream Finance to recover outstanding loans and redeemed funds from xUSD and xBTC.

Silo DAO will take legal action against Stream Finance to recover outstanding loans and redeemed funds from xUSD and xBTC.

PANews reported on November 5th that, according to an official announcement from Silo Labs, the decentralized lending protocol Silo DAO is preparing to take legal action against Stream Finance for failing to repay loans and redeem xUSD and xBTC. This incident has resulted in some borrowers being unable to recover their funds. Silo DAO stated that this action aims not only to recover funds but also to set a precedent for protecting lenders' rights in the DeFi space. The next steps include collecting lender information and balances, coordinating with legal counsel, transparently sharing legal costs, and seeking to maximize repayment and distribute it proportionally. Silo DAO emphasized that smart contracts cannot fully protect lenders' rights, and legal means are a necessary supplement. According to previous reports, analysts said that Stream Finance's $93 million loss could result in a risk exposure of more than $285 million .

Author: PANews

2025/11/05

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