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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.

15129 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
TradFi Giant JPMorgan To Let Institutional Clients Pledge Bitcoin And Ether As Collateral For Loans ⋆ ZyCrypto

TradFi Giant JPMorgan To Let Institutional Clients Pledge Bitcoin And Ether As Collateral For Loans ⋆ ZyCrypto

The post TradFi Giant JPMorgan To Let Institutional Clients Pledge Bitcoin And Ether As Collateral For Loans ⋆ ZyCrypto appeared on BitcoinEthereumNews.com. Advertisement &nbsp &nbsp JPMorgan Chase & Co. is reportedly working to allow its institutional clients to use Bitcoin (BTC) and Ether (ETH) as collateral for loans by the end of this year. The decision marks a notable step for the largest U.S. bank, particularly given CEO Jamie Dimon’s history of bashing the crypto space, and is the latest sign of Wall Street’s continued embrace of digital assets. BTC And ETH As Loan Collateral According to a Bloomberg report on Friday citing unnamed sources familiar with the matter, the program will be offered worldwide and will rely on third-party custodians to hold the pledged tokens. Under the new initiative, customers could post crypto held by an approved custodian against credit lines or structured loans, letting banks manage exposure without directly taking custody of digital assets. JPMorgan had previously taken steps to integrate crypto into its core lending activities. Earlier this year, the bank started accepting crypto-linked exchange-traded funds (ETFs) as collateral, with the new program letting clients pledge the crypto holdings themselves instead of ETF shares.  Advertisement &nbsp Regulatory Shift Fuels Wall Street’s Crypto Expansion The move comes as CEO Jamie Dimon, who once described BTC as a money laundering tool and a “fraud,” has increasingly softened his stance on the top crypto amid growing customer demand as regulatory hurdles ease under the crypto-friendly Trump administration. Notably, major legislative efforts in the United States, including progress on a crypto markets structure bill, and overseas have lowered some compliance friction for banking institutions mulling crypto exposure. In August, Morgan Stanley allowed its wealth advisors to pitch some spot BTC ETFs to select clients. Earlier this month, the bank confirmed it was easing restrictions on crypto investments, allowing all wealth clients, including those with retirement accounts, to have access to the…

Author: BitcoinEthereumNews

2025/10/24

JPMorgan To Accept Bitcoin As Collateral By Year-End

JPMorgan To Accept Bitcoin As Collateral By Year-End

The post JPMorgan To Accept Bitcoin As Collateral By Year-End appeared on BitcoinEthereumNews.com. JPMorgan Chase plans to let institutional clients use Bitcoin (BTC) and Ethereum (ETH) as collateral for loans by the end of 2025, according to a Bloomberg report.  The new program, expected to roll out globally, will rely on a third-party custodian to safeguard pledged assets. The bank already allows crypto-linked exchange-traded funds (ETFs) as collateral, but this expansion would enable clients to borrow against their direct crypto holdings. The shift could make it easier for institutions to access liquidity without selling long-term digital asset positions — a use case that has gained traction among hedge funds and family offices. The development represents a broader acceptance of digital assets across the financial sector.  Other major banks, including Morgan Stanley, BNY Mellon, State Street, and Fidelity, have been expanding crypto custody and trading services amid increasing regulatory clarity in the U.S. and abroad. JPMorgan first began exploring lending against Bitcoin in 2022 but the project was delayed, according to Bloomberg. Jamie Dimon’s changing tone on crypto JPMorgan CEO Jamie Dimon has long been one of crypto’s most vocal skeptics, previously calling Bitcoin a “fraud” and a “pet rock.” In 2023, he said he was “deeply opposed” to Bitcoin and claimed it was used mainly for illicit activity. However, his tone has recently softened. “I don’t think we should smoke, but I defend your right to smoke,” Dimon said earlier this year. “I defend your right to buy Bitcoin, go at it.” In 2023, JPMorgan CEO Jamie Dimon said he was “deeply opposed” to Bitcoin and that it was for criminals. Today, JPMorgan plans to allow institutional clients to use Bitcoin as collateral. pic.twitter.com/WMPg8qy9UW — Bitcoin Magazine (@BitcoinMagazine) October 24, 2025 Despite Dimon’s reservations, JPMorgan has steadily increased its crypto exposure. The bank has launched the J.P. Morgan Deposit Token (JPMD) — a…

Author: BitcoinEthereumNews

2025/10/24

Sky pivots beyond treasuries as yields dip, staking overhaul looms

Sky pivots beyond treasuries as yields dip, staking overhaul looms

The post Sky pivots beyond treasuries as yields dip, staking overhaul looms appeared on BitcoinEthereumNews.com. The rapid slide in US Treasury yields is prodding some stablecoin treasuries to diversify.  This week, Spark — the DeFi lending protocol and core “Star” within the Sky (formerly MakerDAO) ecosystem — allocated $100 million of its stablecoin reserves to Superstate’s USCC fund, a regulated crypto carry product that earns yield from futures basis trades instead of solely interest on government debt. The move comes just as the 10-year Treasury yield dipped below 4% for the first time since April, closing at 3.976%. Lower yields have squeezed protocols that rely on short-duration Treasuries to fund operations and incentives. Spark’s pivot marks one of the first large-scale moves by a major stablecoin issuer away from Treasuries into regulated, crypto-derived yield. “Access to stable, diversified yield is increasingly critical as Treasury returns compress,” Superstate CEO Robert Leshner said. “The investment allows Spark to maintain exposure to yield opportunities uncorrelated with Federal Reserve rate policy while operating within a compliant institutional framework.” Sam MacPherson, CEO and co-founder of Phoenix Labs — which developed Spark — said Superstate’s USCC fund enables the protocol to “diversify its reserves while maintaining the same level of safety and compliance Spark always prioritizes.” USCC uses basis trading strategies that exploit the spread between spot and futures prices on assets such as bitcoin, ether, solana, and XRP. It currently reports a 30-day yield of 8.35%. The strategy benefits from busy derivatives markets, which provide the pricing gaps the fund harvests. CME alone logged more than $900 billion in futures and options volume in Q3, led by ETH. The product is custodied by Anchorage Digital, audited by Ernst & Young, and calculates its NAV through NAV Fund Services. Rate compression meets tokenomics overhaul The USCC allocation comes amid broader changes in the Sky ecosystem as it adapts to a lower-rate…

Author: BitcoinEthereumNews

2025/10/24

40,000,000 XRP Bridged to Flare, CEO Says It’s “Only the Beginning”

40,000,000 XRP Bridged to Flare, CEO Says It’s “Only the Beginning”

The post 40,000,000 XRP Bridged to Flare, CEO Says It’s “Only the Beginning” appeared on BitcoinEthereumNews.com. Flare network bridges 40 million XRP tokens valued at $96 million to blockchain. Platform has minted 40.11 million FXRP across 12,930 transactions with 3,770 holders. Weekly minting cap increased from 5 million to 15 million FXRP due to high demand. Flare CEO Hugo Philion has announced that 40 million XRP tokens have been bridged to the Flare network. The milestone positions Flare as the largest XRP DeFi project in the ecosystem. Philion shared the achievement in a recent post on X, noting the bridged tokens were worth $96 million at the time of the announcement. Despite reaching this level, the CEO stated this represents just the initial phase for XRP activity on Flare, suggesting additional bridging volume could materialize in coming periods. 40M XRP ($96M USD) bridged as FXRP makes Flare the largest XRPFi project. This is only the beginning. Higher! — Hugo Philion (@HugoPhilion) October 23, 2025 Vault holdings approach $100 million mark Data from Flare’s FAssets dashboard shows approximately 39.54 million XRP, valued at $98.54 million, currently held in network vaults. Users have minted 40.11 million FXRP to date, worth $96.63 million across 12,930 separate transactions. The platform currently has 3,770 individual FXRP holders. Around 1.2 million FXRP remains available for minting under current allocations. The network maintains approximately $22.69 million in total collateral backing the system. This collateral consists of $15.72 million in FLR tokens and $6.97 million in USDT. Demand for FXRP has increased consistently since the product launched. The platform initially set weekly minting caps at 5 million FXRP but has tripled that limit to 15 million due to user appetite. Allocations have been depleted within hours of becoming available under the expanded cap. Retail drives early adoption wave Philion noted that retail investors have driven the first wave of FXRP demand without institutional participation.…

Author: BitcoinEthereumNews

2025/10/24

BlockchainFX ($BFX) Confirmed as Top Crypto Presale with $9.8 Million Raised, Beating Mutuum Finance and Maxi Doge

BlockchainFX ($BFX) Confirmed as Top Crypto Presale with $9.8 Million Raised, Beating Mutuum Finance and Maxi Doge

With new liquidity flowing into DeFi and meme projects, the market sentiment looks stronger than ever. Amid this, BlockchainFX ($BFX) […] The post BlockchainFX ($BFX) Confirmed as Top Crypto Presale with $9.8 Million Raised, Beating Mutuum Finance and Maxi Doge appeared first on Coindoo.

Author: Coindoo

2025/10/24

Stripe Could Tap a $350 Billion Market Next

Stripe Could Tap a $350 Billion Market Next

The post Stripe Could Tap a $350 Billion Market Next appeared on BitcoinEthereumNews.com. Stripe is making another major move into digital assets. The company has launched its own Layer-1 blockchain, Tempo, while also acquiring the stablecoin platform Bridge and crypto wallet provider Privy, according to a JPMorgan report. The bank says Stripe now sees digital asset infrastructure as a core driver of its next phase of growth. The payments giant became profitable in 2024 and processed more than $1.4 trillion in total transaction volume. JPMorgan estimates Stripe’s potential addressable market at over $350 billion, calling the company a “beneficiary of borderless financial services.” Source: Capital One Shopping Analysts also noted that Stripe’s early alignment with AI startups has given it an advantage as agentic commerce — transactions initiated and executed by AI agents continues to rise. Tempo, Stablecoins, and AI Give Stripe a New Edge Through the acquisitions of Bridge and Privy, Stripe is expanding deeper into stablecoins, payments, and on-chain infrastructure. CEO Patrick Collison describes Tempo as a payments-focused Layer-1 blockchain built for real-world financial use cases, not experimental crypto hype. “These initiatives position Stripe to benefit from the integration of AI agents, stablecoins, and programmable money into global commerce,” JPMorgan noted. However, analysts also point to risks tied to scale and regulation, especially around stablecoins in the United States and under MiCA in Europe. Earlier this year, Stripe also introduced stablecoin subscription payments, reinforcing its strategy of blending traditional finance with blockchain-based rails. With Tempo, stablecoins, and programmable money, Stripe is signaling that the future of payments will be faster, borderless, and increasingly on-chain. Whether regulation slows or accelerates that vision remains the biggest question. Source: https://coinpaper.com/11874/the-350-billion-opportunity-jp-morgan-says-stripe-could-seize-next

Author: BitcoinEthereumNews

2025/10/24

Best Cryptocurrency to Invest in Before November’s Market Shift

Best Cryptocurrency to Invest in Before November’s Market Shift

The cryptocurrency market is approaching a key moment. November has often marked the start of renewed trading activity and liquidity inflows, and this year is expected to follow the same pattern. With analysts debating why is crypto going up again, many investors are looking for projects that combine timing with tangible utility. Among the top [...] The post Best Cryptocurrency to Invest in Before November’s Market Shift appeared first on Blockonomi.

Author: Blockonomi

2025/10/24

BIS warns about risks of stablecoin yield products 'exposing users' to losses

BIS warns about risks of stablecoin yield products 'exposing users' to losses

The Bank for International Settlements (BIS) warned on the risk of stablecoin yield products and called for stricter regulations.

Author: Cryptopolitan

2025/10/24

JPMorgan Lets Clients Pledge Bitcoin, Ethereum to Access Loans

JPMorgan Lets Clients Pledge Bitcoin, Ethereum to Access Loans

TLDR: JPMorgan plans to allow institutional clients to use Bitcoin and Ether as collateral for loans by year-end. The crypto-collateral program will operate globally using a third-party custodian for token security. This builds on JPMorgan’s prior step of accepting crypto-linked ETFs as collateral for loans. Institutional lenders will now treat Bitcoin and Ether holdings as [...] The post JPMorgan Lets Clients Pledge Bitcoin, Ethereum to Access Loans appeared first on Blockonomi.

Author: Blockonomi

2025/10/24

The $350 Billion Opportunity JPMorgan Says Stripe Could Seize Next

The $350 Billion Opportunity JPMorgan Says Stripe Could Seize Next

Stripe is making another major move into digital assets. The company has launched its own Layer-1 blockchain, Tempo, while also acquiring the stablecoin platform Bridge and crypto wallet provider Privy, according to a JPMorgan report. The bank says Stripe now sees digital asset infrastructure as a core driver of its next phase of growth.The payments giant became profitable in 2024 and processed more than $1.4 trillion in total transaction volume. JPMorgan estimates Stripe’s potential addressable market at over $350 billion, calling the company a “beneficiary of borderless financial services.” Analysts also noted that Stripe’s early alignment with AI startups has given it an advantage as agentic commerce — transactions initiated and executed by AI agents continues to rise.Tempo, Stablecoins, and AI Give Stripe a New EdgeThrough the acquisitions of Bridge and Privy, Stripe is expanding deeper into stablecoins, payments, and on-chain infrastructure. CEO Patrick Collison describes Tempo as a payments-focused Layer-1 blockchain built for real-world financial use cases, not experimental crypto hype.“These initiatives position Stripe to benefit from the integration of AI agents, stablecoins, and programmable money into global commerce,” JPMorgan noted.However, analysts also point to risks tied to scale and regulation, especially around stablecoins in the United States and under MiCA in Europe.Earlier this year, Stripe also introduced stablecoin subscription payments, reinforcing its strategy of blending traditional finance with blockchain-based rails.With Tempo, stablecoins, and programmable money, Stripe is signaling that the future of payments will be faster, borderless, and increasingly on-chain. Whether regulation slows or accelerates that vision remains the biggest question.

Author: Coinstats

2025/10/24

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