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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
PBOC sets USD/CNY reference rate at 7.0867 vs. 7.0880 previous

PBOC sets USD/CNY reference rate at 7.0867 vs. 7.0880 previous

The post PBOC sets USD/CNY reference rate at 7.0867 vs. 7.0880 previous appeared on BitcoinEthereumNews.com. On Monday, the People’s Bank of China (PBOC) set the USD/CNY central rate for the trading session ahead at 7.0867 compared to the Friday’s fix of 7.0880 and 7.1171 Reuters estimate. PBOC FAQs The primary monetary policy objectives of the People’s Bank of China (PBoC) are to safeguard price stability, including exchange rate stability, and promote economic growth. China’s central bank also aims to implement financial reforms, such as opening and developing the financial market. The PBoC is owned by the state of the People’s Republic of China (PRC), so it is not considered an autonomous institution. The Chinese Communist Party (CCP) Committee Secretary, nominated by the Chairman of the State Council, has a key influence on the PBoC’s management and direction, not the governor. However, Mr. Pan Gongsheng currently holds both of these posts. Unlike the Western economies, the PBoC uses a broader set of monetary policy instruments to achieve its objectives. The primary tools include a seven-day Reverse Repo Rate (RRR), Medium-term Lending Facility (MLF), foreign exchange interventions and Reserve Requirement Ratio (RRR). However, The Loan Prime Rate (LPR) is China’s benchmark interest rate. Changes to the LPR directly influence the rates that need to be paid in the market for loans and mortgages and the interest paid on savings. By changing the LPR, China’s central bank can also influence the exchange rates of the Chinese Renminbi. Yes, China has 19 private banks – a small fraction of the financial system. The largest private banks are digital lenders WeBank and MYbank, which are backed by tech giants Tencent and Ant Group, per The Straits Times. In 2014, China allowed domestic lenders fully capitalized by private funds to operate in the state-dominated financial sector. Source: https://www.fxstreet.com/news/pboc-sets-usd-cny-reference-rate-at-70867-vs-70880-previous-202511030115

Author: BitcoinEthereumNews

2025/11/03

UK Trade Deals May Fall Short for Small Businesses, BCC Survey Indicates

UK Trade Deals May Fall Short for Small Businesses, BCC Survey Indicates

The post UK Trade Deals May Fall Short for Small Businesses, BCC Survey Indicates 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 → UK trade deals do not significantly benefit small businesses, according to a British Chambers of Commerce survey of over 4,600 firms. Most SMEs with fewer than 10 employees report limited export engagement, while larger companies see growth. Enhanced support for small exporters is essential to realize trade potential and boost GDP. 84% of small firms with 10 or fewer employees receive too few export orders or rarely trade internationally. Larger businesses with 250+ employees report 42% growth in exports, highlighting a widening gap. Post-Brexit, UK exports to the EU have dropped nearly 30%, with over 16,000 small enterprises ceasing EU trade, per World Trade Organization data. Discover how UK trade deals are failing small businesses in 2025. BCC survey reveals SME export struggles amid new agreements with Australia and Japan. Learn expert calls for support and digital solutions to unlock growth. What Impact Do UK Trade Deals Have on Small Businesses? UK trade deals have limited positive effects on small businesses, as revealed by a comprehensive British Chambers of Commerce survey. The study of 4,638 firms, predominantly SMEs, shows…

Author: BitcoinEthereumNews

2025/11/03

Cautious Calm Returns to BTC Markets as Traders Rebuild Risk

Cautious Calm Returns to BTC Markets as Traders Rebuild Risk

The post Cautious Calm Returns to BTC Markets as Traders Rebuild Risk appeared on BitcoinEthereumNews.com. Good Morning, Asia. Here’s what’s making news in the markets: Welcome to Asia Morning Briefing, a daily summary of top stories during U.S. hours and an overview of market moves and analysis. For a detailed overview of U.S. markets, see CoinDesk’s Crypto Daybook Americas. Bitcoin BTC$109,446.77 is trading above $110,000, and Ether is at $3,880 as Hong Kong begins its business week. Both major digital assets are down significantly in the last 30 days, with BTC in the red by 10% and ETH 14% as traders continue to consolidate positions. In a note, market maker FlowDesk said that its clients have mostly paused adding new risk after last week’s Federal Reserve meeting, with flows dominated by short-term trading strategies and portfolio rebalancing. Still, they wrote in the note, traders showed net buying in BTC, HYPE, and SYRUP, tokens supported by cashflow or buyback narratives, even as Solana-linked assets lagged alongside a rise in Bitcoin dominance to roughly 60%. FlowDesk wrote that many traders now appear underexposed if the market rebounds, suggesting cleaner positioning after earlier deleveraging. In the derivatives market, however, fear remains the prevailing mood. Roughly $155 million in crypto derivatives were liquidated over the past 24 hours, according to CoinGlass data, with $97 million in long positions and $58 million in shorts wiped out. The pattern suggests a moderate flush of overleveraged longs rather than broad panic selling, as funding rates and borrowing costs continue to normalize. FlowDesk observed elevated put skew and lingering caution despite calmer volatility, while call selling and put buying dominated both BTC and ETH options. Cheap risk reversals could appeal if spot markets stabilize, FlowDesk wrote, with volatility likely to drift lower into year-end. On the credit side, borrowing demand for altcoins remains strong as traders exploit negative funding and hedge locked tokens,…

Author: BitcoinEthereumNews

2025/11/03

How Fintechs and Neobanks Are Fueling the Future of Stablecoin Adoption

How Fintechs and Neobanks Are Fueling the Future of Stablecoin Adoption

As stablecoins solidify their role within the evolving landscape of cryptocurrency and blockchain adoption, a new wave of fintech companies and neobanks are leading the charge. With recent legislative developments like the GENIUS Act, these emerging financial institutions are integrating stablecoins into their product suites to expand financial inclusion, enhance cross-border payments, and create new [...]

Author: Crypto Breaking News

2025/11/03

This Crypto Dubbed the Next Solana (SOL) Could Skyrocket 50x from $0.035

This Crypto Dubbed the Next Solana (SOL) Could Skyrocket 50x from $0.035

The post This Crypto Dubbed the Next Solana (SOL) Could Skyrocket 50x from $0.035 appeared on BitcoinEthereumNews.com. Following the explosive rise of Solana in its first few days, crypto investors have now shifted their sights to finding the next breakout altcoin that could yield massive gains. Every investor is always on the lookout for the next big crypto, an early-stage growth project with real utility and the ability to deliver huge returns. Mutuum Finance (MUTM) is fast turning out to be that candidate. Priced at just $0.035 in Phase 6 of its presale, MUTM has already raised more than $18.35 million, with over 85% of tokens sold thus far, which will no doubt further instill urgency among early investors. What really sets MUTM apart, however, is its dual-lending DeFi ecosystem, combining Peer-to-Peer and Peer-to-Contract lending in a way that enables users to maximize capital efficiency while taking part in the most secure and scalable financial platform. According to analysts, such a structure and limited presale availability make MUTM the top crypto to buy for high upside in 2025, as it may eventually achieve 50x returns, similar to Solana’s rapid ascent, thus becoming the next big crypto opportunity in the market today. Solana (SOL) Tests Key Support Amid Downside Pressure Solana is down to about $183, consolidating around the 0.786 Fibonacci level, where buyers are protecting the lower boundary of its descending channel. It could be observed that the chart displays consistent lower highs, reflecting that downside pressure is still strong. If bulls hold this crucial zone and manage to drive the price higher beyond $190, a potential short-term rebound towards $197–$200 is possible. On the other hand, a valid break under $180 may lead to further downward movements toward $165–$170. Sentiment remains prudent for the moment, and the next few days will be crucial in determining whether the buyers would be able to take the upper hand.…

Author: BitcoinEthereumNews

2025/11/03

Web3’s Transformation: Embracing Practicality Over Hype for Future Growth

Web3’s Transformation: Embracing Practicality Over Hype for Future Growth

The post Web3’s Transformation: Embracing Practicality Over Hype for Future Growth appeared on BitcoinEthereumNews.com. Tony Kim Nov 02, 2025 08:57 The Web3 sector is shifting focus from speculative assets to practical financial utilities, potentially marking Ethereum’s pivotal moment akin to Google’s rise. Web3’s Shift Towards Practical Applications The Web3 and cryptocurrency sectors have been rife with speculation and volatile market trends, often overshadowing the technology’s real-world potential. According to CoinMarketCap, the community is now contemplating a shift towards more practical financial utilities, moving away from the speculative assets that have dominated the space. Focusing on Stable Infrastructure Ethereum (ETH), a leading force in the blockchain realm, is at the center of this transformation. Experts suggest that by prioritizing stable and reliable infrastructure, such as payments, savings, and low-risk lending, Ethereum could experience what some are calling its “Google Search moment.” This analogy suggests a focus on practical applications could lead to widespread adoption, much like Google’s dominance in search engines. The “Sizzle Paradox” and Its Implications The “Sizzle Paradox” highlights a significant issue in the current crypto landscape: hype-driven assets tend to prioritize short-term exit liquidity over sustainable, long-term growth. This has led to a market saturated with NFTs, memecoins, and other speculative ventures, which often fail to deliver on their promises of utility and accessibility. Potential for Global Financial Access By shifting focus from hype to tangible financial solutions, Web3 could unlock unprecedented levels of global financial access. This approach is not only about stabilizing the market but also about fulfilling the original promise of blockchain technology: to provide secure, accessible, and efficient financial services to a global audience. As the Web3 ecosystem continues to evolve, it will be crucial for stakeholders to balance innovation with practicality, ensuring that the technology can deliver real-world benefits without succumbing to speculative excesses. For more insights, visit CoinMarketCap’s…

Author: BitcoinEthereumNews

2025/11/03

XRP Advances: Potential ETF Launch and Uphold’s Crypto Loan Rollout

XRP Advances: Potential ETF Launch and Uphold’s Crypto Loan Rollout

The post XRP Advances: Potential ETF Launch and Uphold’s Crypto Loan Rollout 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 → Recent crypto news highlights include Uphold’s upcoming digital asset-backed loans in December 2025, Western Union’s planned Solana-based stablecoin USDPT launch in 2026, and a potential XRP ETF debut on November 13, 2025, signaling growing mainstream adoption and market innovation. Uphold’s crypto loans: Launching in December 2025 with support for XRP, ETH, BTC, and USDC, starting in Florida to enhance borrowing against digital assets. Western Union’s USDPT stablecoin: Set for 2026 rollout on Solana, aiming to streamline global remittances for over 100 million users across 200 countries. Canary Funds XRP ETF: Updated S-1 filing removes delays, positioning November 13, 2025, as a key date for potential U.S. market entry, as noted by the Depository Trust & Clearing Corporation. Discover the latest crypto news updates on Uphold loans, Western Union stablecoin, XRP ETF, Cardano vs. Schiff debates, and XRP/BTC trends. Stay informed on blockchain advancements—explore now for investment insights. What are the latest crypto news updates on lending and stablecoin innovations? Latest crypto news updates reveal significant strides in digital asset utilization, with Uphold announcing digital asset-backed loans starting December 2025…

Author: BitcoinEthereumNews

2025/11/03

MUTM Presale Phase 6 80% Gone as Mutuum Finance Prepares Testnet Launch for Lending & Borrowing

MUTM Presale Phase 6 80% Gone as Mutuum Finance Prepares Testnet Launch for Lending & Borrowing

Mutuum Finance (MUTM) is a DeFi crypto that’s redefining decentralized credit systems. Presale Phase 6 is already 80% sold out, showing overwhelming investor demand. MUTM is priced at $0.035, a 20% increase from the previous phase. The project is preparing to enter a major development milestone with the upcoming launch of its decentralized lending and borrowing protocol in Q4 2025.

Author: Hackernoon

2025/11/03

The Fed Flinched. China Flooded. Bitcoin’s Next Move Starts Here

The Fed Flinched. China Flooded. Bitcoin’s Next Move Starts Here

The post The Fed Flinched. China Flooded. Bitcoin’s Next Move Starts Here appeared on BitcoinEthereumNews.com. The Federal Reserve (Fed) injected $29.4 billion into the US banking system through overnight repo operations on Friday, the largest single-day move since the dot-com era. At the same time, China’s central bank deployed a record cash infusion to reinforce its domestic banking sector. These coordinated liquidity moves signal a turning point for global risk assets, especially Bitcoin (BTC). Traders are closely monitoring how central banks act to stabilize markets ahead of 2026. Fed’s Liquidity Move Highlights Market Tension The Fed’s unusually large overnight repo operation followed sharp Treasury sell-offs and reflected growing stress in short-term credit markets. Sponsored Sponsored BREAKING 🚨U.S. Banks Fed Reserve just pumped $29.4 Billion into the U.S. Banking System through overnight repos 🤯 This amount far surpasses even the peak of the Dot Com Bubble 👀 Probably Fine, carry on pic.twitter.com/NsaoeJix0n — Barchart (@Barchart) November 1, 2025 Overnight repos enable institutions to exchange securities for cash, providing immediate liquidity in times of tight market conditions. The October 31 injection set a multi-decade record, even compared to the dot-com bubble era. Many analysts interpret this move as a clear response to stress in Treasury markets. When bond yields rise and funding becomes more expensive, the Fed often steps in to limit systemic risks. These interventions also expand the money supply, a factor that often correlates with rallies in risk assets such as Bitcoin. Meanwhile, Fed Governor Christopher Waller recently called for an interest rate cut in December, indicating a potential shift toward more accommodative policy. This contrasts with earlier hawkish remarks from Fed Chair Jerome Powell, whose caution has fueled market uncertainty. Polymarket data now puts the odds for a third 2025 rate cut at 65%, down from 90%, showing shifting expectations for monetary policy. Probability for three Fed rate cuts in 2025 falls from 90%…

Author: BitcoinEthereumNews

2025/11/03

Bitcoin Eyes Liquidity Race As Fed Injects $29 Billion While China Floods Markets

Bitcoin Eyes Liquidity Race As Fed Injects $29 Billion While China Floods Markets

The Federal Reserve (Fed) injected $29.4 billion into the US banking system through overnight repo operations on Friday, the largest single-day move since the dot-com era. At the same time, China’s central bank deployed a record cash infusion to reinforce its domestic banking sector. These coordinated liquidity moves signal a turning point for global risk assets, especially Bitcoin (BTC). Traders are closely monitoring how central banks act to stabilize markets ahead of 2026. Fed’s Liquidity Move Highlights Market Tension The Fed’s unusually large overnight repo operation followed sharp Treasury sell-offs and reflected growing stress in short-term credit markets. Overnight repos enable institutions to exchange securities for cash, providing immediate liquidity in times of tight market conditions. The October 31 injection set a multi-decade record, even compared to the dot-com bubble era. Many analysts interpret this move as a clear response to stress in Treasury markets. When bond yields rise and funding becomes more expensive, the Fed often steps in to limit systemic risks. These interventions also expand the money supply, a factor that often correlates with rallies in risk assets such as Bitcoin. Meanwhile, Fed Governor Christopher Waller recently called for an interest rate cut in December, indicating a potential shift toward more accommodative policy. This contrasts with earlier hawkish remarks from Fed Chair Jerome Powell, whose caution has fueled market uncertainty. Polymarket data now puts the odds for a third 2025 rate cut at 65%, down from 90%, showing shifting expectations for monetary policy. Probability for three Fed rate cuts in 2025 falls from 90% to 65%. Source: Roundtable Space If the Fed fails to meet these expectations, markets could face a sharp downturn. Investors have already priced in easier policy, and any reversal might cause capital to exit riskier assets. The difficult balance between liquidity injections and rate policy highlights the Fed’s challenge as it manages inflation and financial stability. China’s Record Cash Infusion Boosts Global Liquidity Meanwhile, China’s central bank also executed a record cash injection into domestic banks, aiming to support economic growth amid softening demand. The People’s Bank of China (PBOC) increased liquidity in a bid to keep lending active and prevent credit tightening. This action comes as Beijing addresses deflation and a weakened property sector. The size of the PBOC’s move is comparable to its responses during past crises. By supplying extra funds, the central bank wants to lower borrowing costs and stimulate credit growth. Such stimulus also expands global money supply and could contribute to asset inflation in stocks and cryptocurrencies. Historically, simultaneous liquidity boosts by the Fed and PBOC have preceded major Bitcoin rallies. The 2020-2021 bull run happened alongside aggressive monetary easing after the COVID-19 outbreak. Crypto traders now watch for a similar trend, as increased liquidity can lead investors to seek alternative assets that hedge against currency devaluation. Macro analysts describe the situation as a “liquidity tug-of-war” between Washington and Beijing. The Fed is balancing inflation and financial stability, while the PBOC seeks to promote growth without fueling further debt. The outcome will influence risk appetite and set the tone for asset performance in 2025. Bitcoin’s Macro Outlook Depends on Ongoing Liquidity Bitcoin’s price has remained steady in recent weeks, staying within a narrow band as traders weigh the impact of central bank actions. Bitcoin (BTC) Price Performance. Source: TradingView The pioneer crypto shows signs of consolidation, with Coinglass data indicating open interest dropped from above 100,000 contracts in October to near 90,000 in early November. This decrease signals caution among derivatives traders. Despite subdued activity, the environment could become positive for Bitcoin if global liquidity continues to grow. Lower inflation in the US, paired with an expanding money supply, favors risk-taking. Many institutional investors now consider Bitcoin a store of value, especially when monetary expansion puts pressure on the purchasing power of traditional currencies. However, Bitcoin’s rally may depend on the decisions of central banks. If the Fed reduces liquidity too soon through scaled-back repo operations or unexpected rate hikes, any positive momentum could quickly vanish. Likewise, if China’s stimulus fails to revive its economy, global risk sentiment may weaken, impacting speculative assets. The next several weeks will show whether central banks maintain liquidity support or prioritize inflation control. For Bitcoin, the outcome could decide if 2026 brings another strong bull run or just continued consolidation.

Author: Coinstats

2025/11/03

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