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.

15277 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
How Did Bitcoin Hyper Raise $25.3 Million? Viral Presale Aims to Fix Bitcoin for Good

How Did Bitcoin Hyper Raise $25.3 Million? Viral Presale Aims to Fix Bitcoin for Good

The post How Did Bitcoin Hyper Raise $25.3 Million? Viral Presale Aims to Fix Bitcoin for Good appeared on BitcoinEthereumNews.com. Crypto News Takeaways: The FOMC’s decision led $BTC to dip below $107K yesterday, yet the token is now consolidating near $110K. Amid market volatility, investors are seeking high-potential presale projects with 100x returns to channel their capital. A strong presale contender is Bitcoin Hyper ($HYPER), a Layer-2 network built to bring scalability, speed, and DeFi utilities to Bitcoin’s Layer-1. The project has already raised $25.3M+ in its presale, indicating significant investor interest and confidence. This October has been a relatively underwhelming month for the broader crypto market. First, the US-China trade tensions caused Bitcoin to dip from its ATH of $126K to around $103K. While $BTC was among the first to rebound – consolidating near $110K – Wednesday’s interest rate cut announcement pushed $BTC down to below $107K. Yesterday saw $BTC dip as low as $106.8K, although it’s currently back up, at $109.6K. However, as analysts like Ash Crypto point out, Bitcoin has a formed habit of dipping after FOMC meetings before rebounding to new highs. Yet another classic example of Bitcoin’s resilience. While the OG of cryptos continues to top the charts with a market cap of $2.18T, its native blockchain does little to accommodate the growing needs of traders holding the coin. But who can blame it? It’s the oldest blockchains in existence, which explains why its infrastructure leaves little room for innovation. That’s where Bitcoin Hyper ($HYPER) steps in – a Layer-2 miracle worker designed to overcome Bitcoin’s long-standing limitations and rejuvenate it to meet the modern trading needs of $BTC holders. The Key Challenges Holding Back Bitcoin’s Growth Bitcoin’s biggest strength has always been its immutable security, which it achieves through cryptography, decentralization, and a powerful consensus mechanism (Proof-of-Work). That said, here are several areas where it hasn’t met user needs as effectively as Solana or…

Author: BitcoinEthereumNews
Germany’s AfD Proposes Bitcoin as Strategic Asset Amid EU Regulation Debate

Germany’s AfD Proposes Bitcoin as Strategic Asset Amid EU Regulation Debate

The post Germany’s AfD Proposes Bitcoin as Strategic Asset Amid EU Regulation Debate appeared on BitcoinEthereumNews.com. Peter Zhang Oct 30, 2025 18:49 Germany’s AfD seeks to classify Bitcoin as a strategic asset, challenging EU’s MiCA regulations, aiming to boost digital sovereignty and financial innovation. Germany’s Alternative for Germany (AfD) party has filed a motion advocating for Bitcoin (BTC) to be recognized as a strategic asset, exempt from the European Union’s Markets in Crypto-Assets (MiCA) regulations. This proposal challenges the current regulatory framework and aims to position Bitcoin as a pivotal element in Germany’s financial landscape, according to Cryptonews. AfD’s Push for Bitcoin Recognition The AfD’s initiative, titled “Recognizing the strategic potential of Bitcoin — preserving freedom through restraint in taxation and regulation,” argues that Bitcoin should be treated as a decentralized, non-manipulable, and limited asset. The motion suggests that imposing MiCA’s stringent regulations could drive away capital and innovation, ultimately weakening Germany’s competitive edge in the digital economy. The party’s proposal further recommends maintaining a 12-month tax-free holding period for Bitcoin and classifying private mining and lightning node operations as non-commercial activities. By doing so, the AfD believes Bitcoin can be recognized as a form of digital money that aligns with modern economic and technological needs. Germany’s Balancing Act with EU Regulations Germany has historically been one of Europe’s most crypto-friendly countries, blending national rules with the EU’s MiCA framework. The Federal Financial Supervisory Authority (BaFin) plays a crucial role, overseeing crypto-asset service providers and enforcing compliance with anti-money laundering and know-your-customer standards. Despite these regulatory measures, the AfD’s proposal seeks to redefine Germany’s stance on digital assets, promoting greater autonomy from EU oversight. BaFin has already issued nine MiCA licenses, more than any other European regulator, positioning Germany as a central hub for regulated digital asset activities. However, the transition period for existing providers to obtain full…

Author: BitcoinEthereumNews
Radiant Capital hacker transfers 5,400 ETH to Tornado Cash: PeckShield

Radiant Capital hacker transfers 5,400 ETH to Tornado Cash: PeckShield

The post Radiant Capital hacker transfers 5,400 ETH to Tornado Cash: PeckShield appeared on BitcoinEthereumNews.com. Radiant Capital hacker has moved over 5,400 Ethereum (ETH) tokens. Blockchain security firm PeckShield says the exploiter moved the ETH to crypto mixer Tornado Cash. Radiant Capital suffered a $50 million security breach in October 2024. Blockchain security firm PeckShield has reported that the exploiter behind the 2024 Radiant Capital hack has moved 5,400 Ethereum (ETH) tokens. PeckShield shared the alert on October 31, 2025, noting that the substantial ETH transfer went to Tornado Cash.  The latest in the Radiant Capital hack coins movement comes over a year after the protocol was exploited. Ethereum (ETH) traded around $3,832 at the time of writing, down 1.5% in the past 24 hours and 3.2% in the past week. Radiant hacker moves 5,411 ETH Lending protocol Radiant Capital suffered a major security breach on October 16, 2024, with $51 million in user funds drained from its pools on the Arbitrum and BNB Chain networks.  Following the incident, cybersecurity researchers linked the hackers to North Korean state-sponsored actors. Radiant also sought help from law enforcement agencies, including the FBI. Over the subsequent year, the funds have seen multiple movements indicative of laundering attempts. On October 31, 2025, PeckShield alerted that the exploiter deposited 5,411.8 ETH, valued at approximately $20.7 million, into Tornado Cash. #PeckShieldAlert #RadiantCapital Exploiter deposited 5,411.8 $ETH (worth ~$20.7M) into #TornadoCash. pic.twitter.com/Ouqiue0soF — PeckShieldAlert (@PeckShieldAlert) October 31, 2025 This transfer involved a series of deposits in denominations of 0.1 ETH, 1 ETH, 10 ETH, and 100 ETH. Onchain data shows the hacker’s address 0x0fa503e4…2e748ef9e sending the coins to the mixing service. Radiant’s ETH on the move: Not the first movement This transfer of over $20 million worth of Ether from the hacker’s address to Tornado Cash isn’t the first such movement. On September 11, 2025, the suspected attacker moved 5,933 ETH (worth…

Author: BitcoinEthereumNews
Western Union Hints at Crypto Service with Trademark Filing Amid Stablecoin Launch

Western Union Hints at Crypto Service with Trademark Filing Amid Stablecoin Launch

Financial services company Western Union has filed for a trademark covering a range of cryptocurrency services. The filing follows an announcement that the company plans to launch a stablecoin system on the Solana blockchain early next year.Western Union Hints at Crypto ExpansionWestern Union submitted the trademark application for “WUUSD” to the US Patent and Trademark Office. The office has accepted the filing, but it has not yet been assigned to an examiner.Discover how neo-banks become wealthtech in London at the fmls25The application states the trademark could be used for crypto wallets, trading, and stablecoin payment processing. It also mentions software for managing and verifying crypto transactions, as well as software for spending and trading cryptocurrency. Additional services listed include crypto exchange, trading, payment processing, and financial brokerage services for cryptocurrency.The filing references crypto lending services described as “conducting a securities and derivatives exchange,” which may indicate an expansion beyond Western Union’s traditional send and receive services.🟡 Western Union has filed a US Patent and Trademark for "WUUSD”, related to crypto services and stablecoins. Western Union's USDPT stablecoin will arrive on Solana in 2026. pic.twitter.com/9fsBRnoPML— ALLINCRYPTO (@RealAllinCrypto) October 31, 2025Stablecoin Launch Linked to Anchorage PartnershipWestern Union announced its stablecoin, the US Dollar Payment Token (USDPT), on an investor call on October 23. The company said the token would launch on Solana in the first half of 2026. It also plans to introduce a Digital Asset Network in partnership with Anchorage Digital Bank to provide a cash off-ramp for the stablecoin service.It is currently unclear how WUUSD and USDPT differ. Western Union filed a trademark application for USDPT in early October.Stablecoins Grow, Brokers Remain CautiousIn the wider crypto market, stablecoins are increasingly used, with reports indicating over 109million wallets hold such tokens. Despite this growth, many brokers remain cautious about offering stablecoin services. Concerns include regulatory uncertainty, compliance requirements, and operational risks. The hesitation persists even as usage rises, highlighting a gap between consumer adoption and institutional integration. This article was written by Tareq Sikder at www.financemagnates.com.

Author: Financemagnates
$HYPER Presale Blasts Past $25.3M – Can It Become the Next Big Crypto Breakout?

$HYPER Presale Blasts Past $25.3M – Can It Become the Next Big Crypto Breakout?

Takeaways: The FOMC’s decision led $BTC to dip below $107K yesterday, yet the token is now consolidating near $110K. Amid […] The post $HYPER Presale Blasts Past $25.3M – Can It Become the Next Big Crypto Breakout? appeared first on Coindoo.

Author: Coindoo
Coinbase (COIN) Stock: Q3 Revenue Soars to $1.9 Billion as Base Network Hits Profitability

Coinbase (COIN) Stock: Q3 Revenue Soars to $1.9 Billion as Base Network Hits Profitability

TLDR Q3 revenue reached $1.9 billion, beating analyst estimates by $100 million with 58% year-over-year growth Transaction revenue doubled to $1 billion while adjusted EBITDA hit $801 million Base Layer 2 network turned profitable driven by increased transaction activity and higher ETH prices Bitcoin treasury expanded by 2,772 BTC, bringing total holdings to 14,548 BTC [...] The post Coinbase (COIN) Stock: Q3 Revenue Soars to $1.9 Billion as Base Network Hits Profitability appeared first on Blockonomi.

Author: Blockonomi
Why Every Decentralized Platform Needs a Web3 AI Chatbot?

Why Every Decentralized Platform Needs a Web3 AI Chatbot?

Why Every Decentralized Platform Needs a Web3 AI Chatbot? The fusion of AI and Web3 is transforming how decentralized platforms connect and interact with their users. Traditional chatbots, while helpful, often fall short when integrated into decentralized ecosystems — where anonymity, smart contracts, and blockchain transparency are key. Enter the Web3 AI Chatbot an intelligent, blockchain-compatible conversational agent designed to interact, assist, and automate processes across decentralized environments like DeFi platforms, NFT marketplaces, DAOs, crypto exchanges, and metaverse ecosystems. This blog explores why every decentralized platform should adopt a Web3 AI Chatbot to enhance efficiency, engagement, and trust.

  1. The Evolution of Chatbots: From Web2 to Web3 Traditional chatbots powered by cloud-based systems thrive in centralized environments. They handle support tickets, automate FAQs, and manage transactions — but they rely on centralized databases. Web3 AI Chatbots, on the other hand, function on blockchain-integrated infrastructures. They leverage AI language models, smart contracts, and decentralized data storage to provide a more transparent, trustless, and autonomous interaction layer. Instead of a centralized server controlling the data, these chatbots operate with user-owned data models, ensuring privacy, verifiability, and fairness essential qualities for the decentralized internet.
  2. Understanding What a Web3 AI Chatbot Is A Web3 AI Chatbot combines artificial intelligence (AI) and blockchain technology to deliver intelligent, autonomous communication on decentralized networks. These chatbots aren’t just about conversation; they’re designed to: ➤Interact with blockchain protocols ➤Execute smart contract functions ➤Facilitate token-based transactions ➤Manage DAO governance queries ➤Support crypto onboarding and education In essence, a Web3 AI Chatbot is an intelligent digital agent that merges AI automation with Web3 interoperability, allowing decentralized platforms to maintain real-time engagement without compromising on security or transparency.
  3. Why Decentralized Platforms Need AI-Powered Communication Decentralized platforms often face challenges in user communication and support management due to their distributed nature. There’s no central helpdesk or traditional CRM to handle issues — making AI-driven communication essential. Here’s why: 24/7 Availability: Users across time zones require instant, automated support. DeFi & Crypto Complexity: Blockchain users need guidance on transactions, gas fees, and wallet integrations. Scalability: Manual support can’t handle thousands of decentralized interactions simultaneously. Anonymity: Web3 users prefer privacy-preserving communication. A Web3 AI Chatbot solves all these issues, acting as a self-sufficient assistant for decentralized ecosystems.
  4. Key Features of a Web3 AI Chatbot To understand its potential, let’s break down the main features that make a Web3 AI Chatbot indispensable for decentralized platforms: Blockchain Integration: Direct interaction with Ethereum, Polygon, Solana, or any smart contract network. Wallet Connectivity: Users can connect their wallets (like MetaMask or WalletConnect) for secure conversations. Decentralized Identity (DID) Support: Ensures verifiable, privacy-focused user interactions. AI Personalization: Tailors responses based on user behavior, wallet activity, or past queries. Multi-Chain Compatibility: Handles transactions and data from different blockchain ecosystems. Smart Contract Automation: Executes token swaps, staking, or governance actions through chatbot prompts. On-Chain Data Access: Retrieves real-time blockchain analytics, token prices, or NFT stats. These capabilities transform the chatbot from a basic communication tool into a powerful AI-driven blockchain interface.
  5. Boosting User Engagement and Retention in Decentralized Apps User retention is a major challenge for decentralized applications (dApps). Without intuitive interfaces or real-time guidance, users often drop off. A Web3 AI Chatbot bridges this gap by: ➤Providing real-time onboarding for new users. ➤Explaining complex DeFi mechanisms in simple terms. ➤Recommending staking, liquidity, or investment options based on user data. ➤Sending automated alerts for token performance or DAO proposals. As a result, the chatbot becomes a digital companion that improves user understanding and retention across decentralized ecosystems.
  6. Web3 AI Chatbots and Decentralized Customer Support Traditional customer service relies on centralized systems — ticketing platforms, CRM tools, and user databases. In Web3, such centralization is incompatible. By integrating a Web3 AI Chatbot, decentralized projects can offer AI-driven, on-chain support that is: ➤Transparent and verifiable ➤Automated with smart contracts ➤Privacy-first using decentralized identities ➤Scalable across thousands of blockchain users This creates a trustless support framework where both transparency and user autonomy are preserved.
  7. Enabling Autonomous Governance in DAOs Decentralized Autonomous Organizations (DAOs) thrive on community participation and governance. However, managing governance data, proposals, and voting updates can be overwhelming. A Web3 AI Chatbot simplifies DAO governance by: ➤Providing real-time updates on proposals and results ➤Answering governance-related FAQs ➤Helping members vote directly through chatbot interfaces ➤Summarizing DAO discussions using AI With such integration, DAO communities experience faster decision-making and enhanced participation — without the need for human moderation.
  8. How Web3 AI Chatbots Improve Transaction Efficiency In decentralized finance (DeFi), users engage in high-volume token transfers, swaps, staking, and lending activities. Misunderstandings or delays can cause costly errors. With Web3 AI Chatbots, platforms can automate: ➤Smart contract confirmations and safety checks ➤Transaction tracking and real-time updates ➤Cross-chain token swaps ➤Gas fee estimation and optimization suggestions This reduces friction in blockchain transactions, making them more user-friendly and secure.
  9. Web3 AI Chatbots in NFT Marketplaces NFT marketplaces often struggle with explaining minting processes, royalties, and wallet integration. A Web3 AI Chatbot can serve as a minting assistant, helping users:➤Mint NFTs using guided steps ➤Check NFT metadata or provenance ➤Recommend trending collections ➤Automate royalty payments through smart contracts For NFT creators and collectors alike, AI chatbots bring simplicity, education, and transparency to a complex market.
  10. Strengthening Security and User Trust Security is paramount in Web3. Users are cautious about scams, data misuse, and unverified sources. Web3 AI Chatbots, designed with decentralized architecture, ensure that:➤Conversations are encrypted end-to-end. ➤Data is stored in decentralized nodes, not corporate servers. ➤Users verify chatbot authenticity via on-chain identities. This approach builds long-term trust between decentralized platforms and their communities.
  11. Case Example: AI Chatbots in DeFi Platforms Consider a DeFi lending platform that integrates a Web3 AI Chatbot. Users can:➤Ask about lending rates, collateral ratios, or liquidation risks. ➤Receive instant responses powered by blockchain data feeds. ➤Automatically execute lending or withdrawal actions through chatbot commands. This automation not only reduces workload but also increases efficiency and user satisfaction — key ingredients for growth in the decentralized finance space.
  12. Integrating Web3 AI Chatbots into the Metaverse In metaverse environments, users interact through avatars, NFTs, and decentralized economies. A Web3 AI Chatbot acts as an in-world assistant — guiding users to: ➤Manage digital assets ➤Access blockchain marketplaces ➤Join virtual events or DAOs ➤Execute on-chain transactions seamlessly The fusion of AI and blockchain thus enhances the immersive experience in decentralized virtual worlds.
  13. Benefits of Using Web3 AI Chatbots for Decentralized Platforms Here are the top business benefits of integrating Web3 AI Chatbots: Reduced Operational Costs: Automate repetitive queries and support functions. Faster Response Times: AI-driven automation ensures real-time interaction. Improved Transparency: All interactions are recorded on-chain for verification. Global Accessibility: Supports multi-language, cross-border communication. Enhanced User Loyalty: Personalized and secure experiences foster trust. Smart Automation: Executes blockchain operations without human intervention. These advantages make Web3 AI Chatbots essential for any project aiming to scale within decentralized ecosystems.
  14. Future of AI and Blockchain Integration The next wave of Web3 innovation will center around autonomous AI agents capable of interacting directly with decentralized protocols. Future Web3 AI Chatbots will: ➤Manage DeFi portfolios autonomously ➤Execute governance actions based on community consensus ➤Use AI-driven analytics to predict blockchain trends ➤Provide personalized recommendations for crypto investments As AI models become more context-aware and blockchain-native, the boundary between automation and decentralization will blur — giving rise to self-governing, intelligent Web3 ecosystems.
  15. How to Implement a Web3 AI Chatbot for Your Platform To integrate a Web3 AI Chatbot, decentralized projects should follow these steps: Identify Use Cases: Define where AI automation will create the most impact (support, governance, trading, etc.). Select the Blockchain Framework: Choose Ethereum, Polygon, Solana, or multi-chain integration. Integrate AI Engine: Use advanced language models fine-tuned for crypto and Web3 queries. Add Wallet & DID Support: Enable seamless, private user authentication. Train AI with On-Chain Data: Ensure chatbot responses are based on verified blockchain sources. Launch & Monitor: Deploy the chatbot and continuously refine it with feedback. Partnering with a Web3 AI chatbot development company can streamline this process for faster deployment. Conclusion: The Future Belongs to Decentralized Intelligence The rise of Web3 AI Chatbots signals a major shift in how decentralized platforms communicate, transact, and evolve. By merging AI intelligence with blockchain transparency, these chatbots create a trustless communication layer that enhances efficiency, engagement, and security. Every decentralized platform — from DeFi protocols to NFT marketplaces and DAOs — can benefit from this innovation. In the coming years, Web3 AI Chatbots will become the backbone of decentralized user experience, driving a new era of intelligent automation within blockchain ecosystems.
Why Every Decentralized Platform Needs a Web3 AI Chatbot? was originally published in Coinmonks on Medium, where people are continuing the conversation by highlighting and responding to this story

Author: Medium
If You Missed Solana or Pepe, Don’t Miss These Presales

If You Missed Solana or Pepe, Don’t Miss These Presales

Tapzi stands out in 2025 presales with skill based gaming, audits, fast BNB chain, and real user rewards. Investors flock as Tapzi mixes fun, fairness, and real utility.

Author: Blockchainreporter
Revolut Launches 1:1 Stablecoin Conversions with Zero Fees for 65 Million Global Users

Revolut Launches 1:1 Stablecoin Conversions with Zero Fees for 65 Million Global Users

        Highlights:  Revolut now offers zero-fee USD to stablecoin conversions for its users across six major blockchains. The fintech reported a huge profit, driven by rising crypto trading and platform expansion in Europe. Stablecoin conversions strengthen Revolut’s global reach as it prepares for US entry and possible dual market listing.  Revolut has added a new feature that lets users change USD into stablecoins and vice versa at a 1:1 rate. The digital bank got rid of all conversion fees and spreads, so users can now exchange up to $578,630 every 30 days without paying any extra fees. The feature works with both USDC and USDT on six major blockchains, such as Ethereum, Solana, and Tron.   Revolut has just made a major crypto move! Users can now swap USD to $USDC or $USDT 1:1 with zero fees or spreads — available across six blockchains. A huge step toward mainstream stablecoin adoption. Could this set a new standard for fintechs? #Revolut #Fintech… pic.twitter.com/qZqbx2tQHg — CryptoMoses (@realcryptomoses) October 31, 2025  Leonid Bashlykov, Revolut’s Head of Product for Crypto, said the goal is to remove friction between fiat and digital assets. He explained that customers will now receive exactly $1 in stablecoins for every $1 exchanged. Bashlykov shared the update on LinkedIn, describing it as a way to simplify how people move between cash and crypto. Revolut reported that the spread will be covered internally as long as both stablecoins maintain their pegs. The rollout follows Revolut’s recent approval under the Markets in Crypto-Assets Regulation framework. The company received a license from the Cyprus Securities and Exchange Commission, enabling it to offer regulated crypto services across 30 European Economic Area countries. Bashlykov added that the 1:1 rate is not about gaining a better deal but about eliminating the anxiety of moving on and off blockchain systems. Expanding Crypto Services and Rising Revenue Across Europe Revolut has been expanding in Europe. Meanwhile, the fintech company reported £1.1 billion in profit last year, a 149% increase from the previous year. The company achieved £3.1 billion in total revenue, primarily due to strong growth in crypto trading, subscriptions, and lending. The company’s wealth division, which includes trading services, crypto, and commodities, made £506 million in sales. Revolut launched Revolut X, a professional trading platform for advanced traders. The platform offers trading in more than 100 tokens with 0% maker fees and 0.09% taker fees. It now operates in 30 European countries and integrates TradingView charts and analytics. Revolut partnered with Consensys in March to launch Revolut Ramp, which lets people buy crypto directly through MetaMask wallets. Later in the year, it partnered with Ledger to let people buy crypto through Ledger Live. The company has $35 billion in customer assets, and it serves more than 65 million people worldwide. Its Crypto Learn feature, which teaches people about cryptocurrencies, keeps bringing in new investors who want easier ways to understand the market. Global Strategy and Growing Role in Stablecoin Conversions Revolut’s focus on stablecoin conversions fits with its greater plan for expansion. The business intends to invest more than €1 billion into France by 2028 and set up its Western European headquarters in Paris. It is also trying to get into the U.S. by acquiring a nationally chartered bank, which would speed up the process of getting a license. Reports indicate that Revolut could secure $1 billion in new funding, which would make the company worth about $65 billion. The firm is reportedly exploring a dual listing in London and New York, which could make it one of the top 15 firms on the London Stock Exchange.  Revolut is exploring a dual listing in London and New York, targeting a $75B valuation, per The Sunday Times. If it happens, it'd be the first to enter FTSE 100 while listing in NY. Serves 65M users, including 12M in UK. #Fintech #IPO — Vincent Bu Lu (@VincentBuLu1) September 29, 2025  Revolut’s latest update arrives as other major payment firms move toward blockchain settlements. Western Union plans to roll out a stablecoin-based system by 2026, while Zelle and MoneyGram are developing similar products to improve cross-border transfers.    eToro Platform    Best Crypto Exchange   Over 90 top cryptos to trade Regulated by top-tier entities User-friendly trading app 30+ million users    9.9   Visit eToro eToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk. Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment, and you should not expect to be protected if something goes wrong. 

Author: Coinstats
5 Cross-Chain Solutions Changing How Businesses Handle Crypto

5 Cross-Chain Solutions Changing How Businesses Handle Crypto

At the forefront of the crypto transformation stands ChangeNOW for Business, a leading B2B platform available across 110+ networks.

Author: The Cryptonomist