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.

15234 Articles

Created: 2026/02/02 18:52

Updated: 2026/02/02 18:52

Coinbase Defends Stablecoins Against Bank Fears

The post Coinbase Defends Stablecoins Against Bank Fears appeared on BitcoinEthereumNews.com. In a new report that was shared by policy chief Faryar Shirzad, the exchange argued that most stablecoin demand comes from international users seeking US dollar exposure, not from domestic banking customers. Coinbase said stablecoins serve as essential infrastructure for global commerce rather than competition for banks, and added that community banks and stablecoin users “barely overlap.” Meanwhile, South Korea’s BDACS announced plans to launch a won-backed stablecoin, KRW1, on Circle’s new Arc blockchain. This means it is joining the growing list of national issuers on the network. Coinbase Pushes Back on Bank Concerns Coinbase pushed back against the growing fears from US banking groups that stablecoins could undermine the traditional financial system by draining bank deposits and weakening lending capacity. In a new market note that was shared by Coinbase’s chief policy officer, Faryar Shirzad, the exchange argued that such concerns are misplaced and do not reflect how stablecoins are actually used in practice. “The ‘stablecoins will destroy bank lending’ narrative ignores reality,” Shirzad said, and explained that most of the demand for stablecoins comes from outside the United States. According to Coinbase, the tokens are primarily being used in emerging markets as a way for people and businesses to gain access to the US dollar, hedge against local currency depreciation, and participate in digital finance systems that operate independently from domestic banking networks. The company’s research suggests that stablecoins have become “the transactional plumbing of a new financial layer” that exists largely outside the traditional US banking system. Coinbase mentioned that roughly two-thirds of all stablecoin transfers take place across decentralized finance and blockchain platforms, which proves their role in global commerce rather than in competing with local bank deposits. Banking industry representatives raised alarms that stablecoins offering yield could draw funds away from bank accounts, and could…

Author: BitcoinEthereumNews

2025/10/30

Chinese e-commerce giants dominate Southeast Asia’s online shopping

The post Chinese e-commerce giants dominate Southeast Asia’s online shopping appeared on BitcoinEthereumNews.com. Chinese online shopping platforms have taken control of roughly half the internet retail business in multiple Southeast Asian nations, marking a major shift in the region’s digital commerce landscape, according to new findings from consulting firm Bain and Company released Thursday. The report shows that in Indonesia, Thailand and the Philippines, Chinese-owned platforms including Alibaba, TikTok Shop from ByteDance, Shein and Temu from PDD now make up about 50% of local online retail activity based on 2024 data. These companies have also established positions in growing internet shopping markets stretching from the United States to Brazil. The research arrives as Chinese businesses speed up worldwide growth efforts while facing slower economic expansion at home and increasing trade friction between Washington and Beijing. “Far from being killed by tariffs, the internationalization of Chinese retail is entering a new phase,” the report stated. The authors noted these Chinese merchants have typically done better “in markets with lower online purchasing power.” Singles Day goes global Bain highlighted that Alibaba’s Taobao platform is bringing its Singles Day shopping event to 20 regions this year, turning what was once purely a China-focused promotion into a global shopping occasion that now competes with Amazon.com’s Black Friday sales worldwide. While the extent of past international Singles Day promotions remains unclear, the recent expansion is significant. Last year, Taobao in Malaysia said it would promote the shopping event in English for the first time alongside Chinese. Alibaba’s overseas operations, known as its “International Digital Commerce Group,” posted revenue of 34.74 billion yuan ($4.85 billion) for the three months through June 30, showing 19% growth compared to the same period a year earlier. This figure slightly exceeded what the company’s cloud computing division earned but remained well below the 140.07 billion yuan in sales from Alibaba’s China e-commerce operations,…

Author: BitcoinEthereumNews

2025/10/30

MUTM Is Said To Be The Best Crypto Targeting $2 by Q2 2026

The post MUTM Is Said To Be The Best Crypto Targeting $2 by Q2 2026 appeared on BitcoinEthereumNews.com. The crypto market is heating up again. Bitcoin has found stability, Ethereum’s gas fees are falling, and traders are searching for the next breakout star. Among the growing list of crypto coins, Mutuum Finance (MUTM) is quickly becoming a top crypto contender. With its unique lending design, smart reward system, and strong presale response, many investors now see MUTM as the project set to reach $2 by Q2 2026. The Presale Wave and the Expanding Ecosystem Mutuum Finance (MUTM) has gained impressive attention through its ongoing presale, which now stands in Phase 6 at a price of $0.035. Out of the 170 million tokens available in this phase, a large portion has already been purchased by early participants. Once this round ends, the price will rise by 15% to $0.040, rewarding those who joined early. The presale has already generated $18.1 million across all stages, and more than 17,550 holders have joined the project so far. With a total supply of 4 billion MUTM tokens, the structure ensures fair access while setting a clear foundation for future growth. Mutuum Finance (MUTM) aims to create a blockchain-powered lending market built around its mtToken framework. These mtTokens will represent deposits and accumulated interest while connecting users to both Peer-to-Contract (P2C) and Peer-to-Peer (P2P) lending systems. The P2C model will let users deposit stablecoins and earn passive income as smart contracts manage liquidity, while the P2P model will allow direct lending between individuals, giving users more freedom to choose terms that suit them best. Mutuum Finance (MUTM) recently announced on its official X account that the V1 version of its protocol will go live on the Sepolia Testnet by Q4 2025. This version will feature essential tools such as a liquidity pool, mtToken, debt token, and a liquidator bot to ensure stable and…

Author: BitcoinEthereumNews

2025/10/30

New Ethereum Hub Aims to Help Institutions Build on a Battle-Tested Blockchain

Ethereum Foundation launches 'Ethereum for Institutions' portal, a data-led guide on privacy, L2 scaling, stablecoins and tokenized assets for enterprises.

Author: Blockchainreporter

2025/10/30

Coinbase: Stablecoins May Bolster Dollar Globally Without Harming US Banks

The post Coinbase: Stablecoins May Bolster Dollar Globally Without Harming US Banks appeared on BitcoinEthereumNews.com. COINOTAG recommends • Exchange signup 💹 Trade with pro tools Fast execution, robust charts, clean risk controls. 👉 Open account → COINOTAG recommends • Exchange signup 🚀 Smooth orders, clear control Advanced order types and market depth in one view. 👉 Create account → COINOTAG recommends • Exchange signup 📈 Clarity in volatile markets Plan entries & exits, manage positions with discipline. 👉 Sign up → COINOTAG recommends • Exchange signup ⚡ Speed, depth, reliability Execute confidently when timing matters. 👉 Open account → COINOTAG recommends • Exchange signup 🧭 A focused workflow for traders Alerts, watchlists, and a repeatable process. 👉 Get started → COINOTAG recommends • Exchange signup ✅ Data‑driven decisions Focus on process—not noise. 👉 Sign up → Stablecoins pose minimal threat to US banks, as most demand originates from international users seeking dollar exposure rather than competing with domestic deposits. Coinbase researchers emphasize that stablecoins expand global dollar dominance without significantly impacting local banking, countering fears of customer exodus from yield-bearing stablecoins. Global Demand Drives Stablecoins: Over two-thirds of transfers occur outside the US, primarily in emerging markets hedging against currency depreciation. Stablecoins function as a parallel financial layer, not a direct rival to traditional bank accounts. US commercial bank deposits exceed $18 trillion, with stablecoin circulation projected at $5 trillion globally, mostly foreign-held and marginal to domestic impacts (Coinbase market note). Discover how stablecoins impact US banks without cannibalizing deposits. Learn why banking groups’ fears of yield offerings are overstated and explore global benefits in this insightful analysis. Stay ahead in crypto trends. What is the stablecoins impact on US banks? Stablecoins impact on US banks is often overstated, as these digital assets primarily serve international users rather than drawing funds from domestic banking customers. According to Coinbase researchers, stablecoins enhance the global reach of…

Author: BitcoinEthereumNews

2025/10/30

The Only New Crypto Under $0.05 That Could Make You a Millionaire

The post The Only New Crypto Under $0.05 That Could Make You a Millionaire appeared on BitcoinEthereumNews.com. Early mover opportunities in cryptocurrency markets can be quite profitable, and some new initiatives to this day have the same potential. Mutuum Finance (MUTM) is among those few tokens whose price is lower than $0.05 but analysts believe that it might rise by two or more times before the next bull market. Once the main milestones in its presale are achieved and MUTM approaches launch on testnet, it can become a leading crypto investment at present. Mutuum Finance (MUTM) Mutuum Finance (MUTM) is developing a decentralized lending protocol that is simple and efficient. It is not custodial and allows the borrowers and lenders to transfer crypto using transparent smart contracts. The design will be based on the use of mtTokens that are interest-bearing tokens representing a share of the pool of the user. Upon placing assets like ETH or USDT, a user is issued with mtTokens that will generate yield automatically. The mtTokens show the percentage of a user within the liquidity pool, which enables them to earn different variable APY, which increases with a larger percentage of liquidity in the liquidity pool. MUTM is appealing to passive and active DeFi investors as depositors will gain more appreciation as the number of people using a pool rises. The protocol also accepts a peer-to-peer lending model, in which the borrowers dictate the individual terms of loans. They are allowed to take variable or fixed rates where the latter is initiated at a relatively higher amount in forecastable repayment. All the loans are completely collateralized and liquidation events are prevented by automated liquidator bots. Progress of Presale Presale of Mutuum Finance has created an enormous hype in the crypto world. The presale sold over 780M tokens of its total 1.82 billion presale token supply, generating over $18,000,000 and bringing in over 17,500…

Author: BitcoinEthereumNews

2025/10/30

Bitcoin, Ethereum Tumble After Fed Cuts Rates, but Powell Says Another ‘Not a Forgone Conclusion’

The post Bitcoin, Ethereum Tumble After Fed Cuts Rates, but Powell Says Another ‘Not a Forgone Conclusion’ appeared on BitcoinEthereumNews.com. In brief The CME FedWatch Tool, which uses futures trading data to infer trader sentiment, predicted a near-certain rate cut. The Conference Board’s Expectations Index, a measure of economic sentiment, remained below the threshold that typically signals a coming recession. Bitcoin has lingered well below the all-time high it set earlier this month. The U.S. central bank slashed the interest rate 0.25% on Wednesday, a widely expected move that left crypto markets largely unimpressed, although prices subsequently tumbled when Federal Reserve Chair Jerome Powell said that a December rate cut was “not a foregone conclusion.” Bitcoin was trading at about $110,700, down 1.3% over the past hour. The largest cryptocurrency by market capitalization has sagged more than 10% after dropping below $105,000 earlier this month. Ethereum, the second-largest digital asset by market value, was changing hands at about $3,890, a 2.7% decline gain over the same period. On Tuesday, the CME FedWatch Tool, which uses futures trading data to infer trader sentiment, predicted a more than 99% probability of the latest rate cut and over 90% chance of a 0.25% reduction in December. “Today’s decision to drop the federal funds rate another 25 basis points was highly anticipated,” Gerry O’Shea, head of global market insights at crypto asset manager Hashdex, wrote to Decrypt. “Bitcoin and many other digital assets responded negatively as Chair Powell commented after the meeting that an additional rate cut this year is not inevitable.” O’Shea added that other factors, including “the government shutdown, tariff policies, and earnings reports from a number of large tech companies may have more of an effect on prices this week.” Central bankers dropped the rate that banks charge each other for overnight lending of reserves held at the Fed to a range between 3.75% and 4%, after jobs data and other…

Author: BitcoinEthereumNews

2025/10/30

Bitcoin Beats The Euro — France Chooses Crypto Over CBDC

France’s National Assembly moved to block European Central Bank’s planned digital euro and to favor Bitcoin and euro stablecoins. Based on reports, the resolution was filed on October 22, 2025 by Éric Ciotti and UDR members. Related Reading: IBM Unveils Digital Asset Haven For Banks And Governments – Details Call For A National Bitcoin Reserve […]

Author: Bitcoinist

2025/10/30

$775 Million Fuels DeFi Lending Growth

The post $775 Million Fuels DeFi Lending Growth appeared on BitcoinEthereumNews.com. Strategic Stable Morpho Deposit: $775 Million Fuels DeFi Lending Growth Skip to content Home Crypto News Strategic Stable Morpho Deposit: $775 Million Fuels DeFi Lending Growth Source: https://bitcoinworld.co.in/stable-morpho-deposit-defi/

Author: BitcoinEthereumNews

2025/10/30

Banks’ concern over stablecoins ‘ignores reality’ — Coinbase

                                                                               US banking groups have urged Congress to clamp down on stablecoin yields, arguing it would trigger a US banking customer exodus.                     Concerns that crypto stablecoins will harm US banks by cannibalizing banking deposits are ill-placed and don’t consider the real-world uses of the tokens, according to Coinbase researchers.“The ‘stablecoins will destroy bank lending’ narrative ignores reality,” Coinbase policy chief Faryar Shirzad said on Wednesday.Shirzad shared a market note that said the arguments over stablecoins impact on bank deposits and lending “echo familiar worries from earlier innovations like money market funds. Yet they fail to account for how and where stablecoins are actually used.”Read more

Author: Coinstats

2025/10/30