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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.

15126 Articles

Created: 2026/02/02 18:52

Updated: 2026/02/02 18:52

Sygnum & Debifi Launch BTC-Backed Loan Platform

Sygnum & Debifi Launch BTC-Backed Loan Platform

The post Sygnum & Debifi Launch BTC-Backed Loan Platform appeared on BitcoinEthereumNews.com. Key Notes Sygnum and Debifi, a BTC lending startup, have teamed up to debut MultiSYG. MultiSYG will let borrowers keep partial control of their BTC. The structure ensures transparency and prevents rehypothecation. Swiss digital asset bank Sygnum has partnered with Bitcoin BTC $111 137 24h volatility: 1.4% Market cap: $2.22 T Vol. 24h: $51.84 B lending startup Debifi to launch MultiSYG, a bank-backed Bitcoin loan platform that lets borrowers retain shared control of their collateral. The product, set to launch in the first half of 2026, targets institutions and high-net-worth individuals seeking secure, transparent lending without giving full custody of their assets. A Shift Away From Custodial Lending With MultiSYG, users will be able to bypass the requirement of giving up custody of their BTC, which is usually common with traditional Bitcoin-backed loans. Borrowers will deposit Bitcoin into a 3-of-5 multi-signature escrow wallet controlled by Sygnum, the borrower, and independent signers. “Borrowers can benefit from bank-grade terms in pricing, drawdown flexibility, and loan duration, while keeping cryptographic proof of their holdings and partial control of their Bitcoin via multi-signature technology,” said Pascal Eberle, the head of the MultiSYG initiative at Sygnum. Any movement of funds requires three approvals, allowing borrowers to verify their holdings on-chain throughout the loan’s duration. Debifi CEO Max Kei said the model removes the need for blind trust in custodians while maintaining regulatory oversight. Sygnum claimed in a post that MultiSYG combines the security of self-custody with the structure and reliability of traditional banking. Demand for Safer Bitcoin Lending After the collapse of centralized lenders like BlockFi and Celsius, demand for non-custodial and verifiable loan structures has increased. MultiSYG seeks to meet that demand while ensuring assets cannot be reused or rehypothecated. Sygnum said that MultiSYG is part of its ongoing Bitcoin@Sygnum initiative to develop regulated…

Author: BitcoinEthereumNews

2025/10/24

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Are You Missing Out? How Whales Are Flipping BTC and ETH Into Ozak AI for Higher Profits

Are You Missing Out? How Whales Are Flipping BTC and ETH Into Ozak AI for Higher Profits

The post Are You Missing Out? How Whales Are Flipping BTC and ETH Into Ozak AI for Higher Profits appeared on BitcoinEthereumNews.com. In a market where Bitcoin (BTC) and Ethereum (ETH) dominate headlines, smart money is quietly flowing into a rising star—Ozak AI ($OZ). Unlike most new crypto projects, Ozak AI stands at the crossroads of Artificial Intelligence (AI) and DePIN (Decentralized Physical Infrastructure Network)—a fusion that’s reshaping how decentralized data and compute systems operate. Early whales and institutional investors are noticing that this combination is more than just hype—it’s a new frontier for blockchain utility, intelligence, and long-term scalability. The Presale Surge: Early Whales Lock In Massive Multipliers Ozak AI’s presale has become one of the most talked-about events in the AI + crypto space. Currently priced at $0.012, the project has already raised $4 million with 967 million $OZ tokens sold—marking over 1100% growth since its initial launch price. The next phase is set at $0.014, paving the way for early buyers to potentially lock in over 330x returns before its projected listing target of $1.00. Whales who previously cycled profits between Bitcoin and Ethereum are now diversifying into Ozak AI’s presale for one simple reason—utility. Bitcoin and Ethereum remain the pillars of the crypto market, but Ozak AI takes a completely different path. It combines smart automation with decentralized computing to create an ecosystem that doesn’t just store value—it thinks, adapts, and grows on its own. What Makes Ozak AI a Whale Magnet Ozak AI is built on an infrastructure that focuses on automation. It uses predictive models to provide useful insights across DeFi, NFT, and Web3 platforms. Through its decentralized network (DePIN), tasks are shared across networks, making processing quicker, more reliable, and cost-effective. Ozak AI’s cross-chain capabilities allow it to operate across multiple blockchains, making the most of liquidity and interoperability. The $OZ token supports governance, staking rewards, and ecosystem, giving the investors practical use while also…

Author: BitcoinEthereumNews

2025/10/24

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Investors Protest Deforestation As The Amazon Tipping Point Approaches

Investors Protest Deforestation As The Amazon Tipping Point Approaches

The post Investors Protest Deforestation As The Amazon Tipping Point Approaches appeared on BitcoinEthereumNews.com. The Belém Investor Statement on Rainforests has been endorsed by 33 investment firms that in aggregate manage over $3 trillion as of the 20th of October: it’s open to signatories until November first. Their goal is for COP30 to adopt in earnest a cessation of deforestation by 2030 and prevent further loss of ecosystems consistent with previous international agreements. We’re drawing nearer to ecological tipping points that will cause global and irreversible damage once crossed and this group of investors recognize our precarious, untenable situation. Manaus, 4th Oct 2023 – A mixed area of fields and Amazon rainforest is burning uncontrollably, while nearby residents attempt to contain the flames. (Photo by Gustavo Basso/NurPhoto via Getty Images) NurPhoto via Getty Images One third of our preindustrial forest cover has been lost with another third degraded, and as this loss is driven largely by industry and agriculture, global capital can play its part if it wishes. The investors who signed this petition are imploring governments to take legislative action, while the signatories themselves avow to take their own initiative; to do their part these funds will research their relevant markets and select for partners that similarly prioritize the minimization and eventual eradication of deforestation. They explain how exposure to commodities produced on deforested land create material vulnerabilities across global investment and lending portfolios. They give some examples to which I’d personally like to add rubber: beef, soy, palm oil, timber, pulp and critical transition minerals. These are everyday products for many of us and the individual can only do so much to ultimately alter the broader ecological impact of our modern livelihoods. Agriculture drives deforestation. Investors can prioritize sustainable practices and partners to end this ongoing catastrophe. Global Forest Review, Global Forest Watch, World Resources Institute When everything that we consume is…

Author: BitcoinEthereumNews

2025/10/24

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JPMorgan Chase to start accepting Bitcoin, Ethereum as loan collateral: report

JPMorgan Chase to start accepting Bitcoin, Ethereum as loan collateral: report

JPMorgan will let clients use Bitcoin (BTC) and Ethereum (ETH) as collateral for loans. The move marks a major shift from Jamie Dimon’s past crypto criticism. Other major banks are expanding crypto custody and lending services. JPMorgan Chase & Co. is reportedly preparing to let institutional clients use BTC and ETH as collateral for loans […] The post JPMorgan Chase to start accepting Bitcoin, Ethereum as loan collateral: report appeared first on CoinJournal.

Author: Coin Journal

2025/10/24

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Aave Labs acquires Stable Finance to expand consumer DeFi push

Aave Labs acquires Stable Finance to expand consumer DeFi push

The post Aave Labs acquires Stable Finance to expand consumer DeFi push appeared on BitcoinEthereumNews.com. San Francisco–based Stable Finance has been acquired by Aave Labs, the developer behind the Aave lending ecosystem, as the firm expands into consumer-facing onchain services. Founded in 2023, Stable Finance’s mobile app allows users to deposit funds from bank accounts, cards, or crypto wallets to earn yield on stablecoins through overcollateralized decentralized markets. The deal, announced Thursday, also brings Stable Finance’s founder Mario Baxter Cabrera and his engineering team into Aave Labs. Financial terms of the acquisition were not disclosed. Source: Aave The deal signals Aave’s effort to balance retail services with its continued push into institutional markets. The protocol recently announced an integration with Maple Finance’s yield-bearing stablecoins and the launch of Horizon, its institutional marketplace for tokenized assets. Stani Kulechov, the founder of Aave Labs, said the acquisition “reinforces our commitment to turning onchain finance into everyday finance.” Launched in January 2020, Aave has over $37.25 billion in total value locked (TVL) as of this writing, according to data from DefiLlama. Aave total value locked. Source: DefiLlama Related: Stablecoins become ‘global macroeconomic force’ as transactions reach $46T: Report The debate over yield-bearing stablecoins Aave isn’t the first protocol or company to offer users yield generated through overcollateralized DeFi markets and stablecoin lending strategies. In September, Coinbase integrated the DeFi lending protocol Morpho directly into its app, allowing customers to lend USDC (USDC) and earn yield. The update provided users access to onchain lending markets offering returns of up to 10.8%, more than double the 4.5% available through Coinbase’s standard USDC rewards program. A similar collaboration between Crypto.com and Morpho was unveiled in early October, bringing Morpho’s stablecoin lending markets to the exchange’s Cronos blockchain. The integration allows users to deposit wrapped ETH into Morpho vaults and borrow stablecoins against their collateral to earn yield. While the GENIUS Act, passed…

Author: BitcoinEthereumNews

2025/10/24

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Blackstone Inc. (BX) Stock: Drops Amid $705M India Deal and Record Earnings

Blackstone Inc. (BX) Stock: Drops Amid $705M India Deal and Record Earnings

TLDR Blackstone Inc. announced a $705M investment in India’s Federal Bank for a 9.99% stake. The deal will make Blackstone the largest shareholder in the private lender. BX stock dropped 4.17% to $154.98 despite record Q3 2025 results. Assets under management reached a new industry record of $1.24 trillion. Federal Bank will hold an EGM [...] The post Blackstone Inc. (BX) Stock: Drops Amid $705M India Deal and Record Earnings appeared first on CoinCentral.

Author: Coincentral

2025/10/24

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Sygnum and Debifi Launch MultiSYG for Shared-Control Bitcoin Loans

Sygnum and Debifi Launch MultiSYG for Shared-Control Bitcoin Loans

TLDR Shared custody BTC loans offer capital access without full asset surrender. Sygnum brings regulated banking to non-custodial Bitcoin lending. Track BTC collateral on-chain with MultiSYG’s transparent structure. Debifi enables secure loans with cryptographic proof and no rehypothecation. MultiSYG redefines institutional crypto lending with security and control. Swiss digital asset bank Sygnum and Bitcoin lending [...] The post Sygnum and Debifi Launch MultiSYG for Shared-Control Bitcoin Loans appeared first on CoinCentral.

Author: Coincentral

2025/10/24

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JPMorgan Lets Institutions Use Bitcoin and Ethereum as Collateral

JPMorgan Lets Institutions Use Bitcoin and Ethereum as Collateral

The post JPMorgan Lets Institutions Use Bitcoin and Ethereum as Collateral appeared first on Coinpedia Fintech News JPMorgan now allows institutional clients to use Bitcoin and Ethereum as loan collateral, blending crypto with traditional finance. Third-party custodians will safeguard the assets, helping investors unlock liquidity without selling digital tokens. This big move boosts confidence in cryptocurrencies among major banks and offers clients more flexibility, pushing digital assets further into the banking mainstream.

Author: CoinPedia

2025/10/24

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Sygnum and Debifi Combine Bitcoin Multi‑Sig Technology With Regulated Bank Lending Services

Sygnum and Debifi Combine Bitcoin Multi‑Sig Technology With Regulated Bank Lending Services

The post Sygnum and Debifi Combine Bitcoin Multi‑Sig Technology With Regulated Bank Lending Services appeared on BitcoinEthereumNews.com. Swiss Sygnum Bank and bitcoin-backed lending platform Debifi announced a partnership to launch MultiSYG, a Bitcoin‑native 3‑of‑5 multi‑signature lending solution that the firms say will be the first from a regulated bank to let borrowers draw fiat loans against onchain verifiable bitcoin collateral while retaining distributed key control. The product, slated for H1 2026, aims […] Source: https://news.bitcoin.com/sygnum-and-debifi-combine-bitcoin-multi%E2%80%91sig-technology-with-regulated-bank-lending-services/

Author: BitcoinEthereumNews

2025/10/24

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The TechBeat: Who's Used One Trillion Plus OpenAI Tokens? Salesforce, Shopify, Canva, Hubspot, & 26 More Companies (10/24/2025)

The TechBeat: Who's Used One Trillion Plus OpenAI Tokens? Salesforce, Shopify, Canva, Hubspot, & 26 More Companies (10/24/2025)

How are you, hacker? 🪐Want to know what's trending right now?: The Techbeat by HackerNoon has got you covered with fresh content from our trending stories of the day! Set email preference here. ## The Silent Revolution: AI-Driven Network Decisions in Real-Time By @darshanbmehta [ 5 Min read ] The telecommunications industry is experiencing an extraordinary shift: infrastructure that operates with independent judgment. Read More. Why Traditional Testing Breaks Down with AI By @mend [ 4 Min read ] Traditional testing breaks with AI. Learn how red teaming and AI-powered fuzzing uncover hidden weaknesses in large language models. Read More. Context Engineering for Coding Agents By @ichebykin [ 5 Min read ] Context engineering for coding agents is the best way to improve the model performance for code generation. Read More. "We Are Very Early in Our Work With LLMs," - Prem Ramaswami, Head of Data Commons at Google By @David [ 9 Min read ] Google's Head of Data Commons joined HackerNoon to discuss grounding AI in verifiable data, and why "we are very early with LLMs," MCP's open approach. Read More. Python Script to Read and Judge 1,500 Legal Cases By @knightbat2040 [ 5 Min read ] What started as a simple script evolved into a full-fledged data engineering and NLP pipeline that can process a decade's worth of legal decisions in minutes. Read More. From Automation to Autonomy: How AI is Transforming Site Reliability Engineering By @oreoluwaomoike [ 7 Min read ] This is the real story of where operations is headed. Read More. Who's Used One Trillion Plus OpenAI Tokens? Salesforce, Shopify, Canva, Hubspot, & 26 More Companies By @botbeat [ 8 Min read ] A deep dive into the 30 companies that burned over one trillion OpenAI tokens—featuring Duolingo, OpenRouter, and Indeed as top power users of GPT tech. Read More. React 19: New Tools To Work With Forms By @socialdiscoverygroup [ 6 Min read ] Discover how React 19's new hooks—useActionState, useFormStatus, and useOptimistic—simplify form handling with less boilerplate and cleaner code. Read More. The Hidden Economics of Reliability: Balancing Uptime, Cost, and Innovation in DevOps By @oreoluwaomoike [ 9 Min read ] The tension between uptime, cost, and velocity has never been sharper. Read More. Trust Building is Simple - Here's How By @startupsoftheweek [ 5 Min read ] Win trust, not volume: be helpful and transparent; use interviews, data, and community; avoid salesy fluff. Read More. Choosing the Right AI IDE for Your Team: Cursor vs. Windsurf vs. Copilot By @ainativedev [ 7 Min read ] Dive into a hands-on comparison of Cursor, Windsurf, and Copilot with GPT-5, highlighting their strengths in greenfield and brownfield projects. Read More. The Human Algorithm: Why the Internet Feels Repetitive—And How Real Writers Can Break It By @drechimyn [ 6 Min read ] Online writing has become a synthetic echo chamber, flattened by algorithms. The solution is to rebel by writing with an authentic human voice. Read More. From Cloud to Desk: 3 Signs the AI Revolution is Going Local By @hacker-Antho [ 4 Min read ] when it comes to AI smaller is better Read More. The New Age of Stargazing: How Smart Telescopes Are Transforming Our Connection with the Cosmos By @kingdavvd [ 5 Min read ] Smart telescopes are redefining astronomy—blending art, science, and emotion to make stargazing more personal, effortless, and inspiring. Read More. Why I'm Excited About the AI Bubble and Why You Should Be Too By @oleksandrkaleniuk [ 4 Min read ] AI needs cheap energy—and the chemistry that fed humanity might also fuel its future. Could nuclear power close the loop? Read More. Code Smell 07 - Avoid Boolean Variables By @mcsee [ 3 Min read ] Avoid Boolean variables, they lead to conditional logic and force you to write Ifs. Create polymorphic states instead Read More. 7 Major Learnings from The AI Engineering SF World Fair 2025 By @ainativedev [ 5 Min read ] AI coding agents dominated the 2025 SF World’s Fair. From spec-driven dev to cloud agents, here are 7 takeaways shaping AI-native engineering. Read More. 33 Hot Tech Takes on Atlas, the New AI Browser by OpenAI By @webism [ 5 Min read ] OpenAI launches ChatGPT Atlas, an AI-powered browser with memory and agent mode. We gathered 33 reactions from skeptics, believers, and analysts. Read More. From Zero to AI-Ready: How I Taught Myself Machine Learning (And What I would Tell You Now) By @ujutheanalyst [ 3 Min read ] You don’t need a PhD to learn AI, just structure, curiosity, and small steps that make sense. Here’s how I learned machine learning from scratch. Read More. Argentina Will Show What Ethereum Looks Like in the Real World, Says Devconnect’s Candu Fazzano By @terezabizkova [ 5 Min read ] Candu Fazzano on bringing Ethereum’s global gathering to Argentina and why Devconnect Buenos Aires is where real-world innovation meets community. Read More. 🧑‍💻 What happened in your world this week? It's been said that writing can help consolidate technical knowledge, establish credibility, and contribute to emerging community standards. Feeling stuck? We got you covered ⬇️⬇️⬇️ ANSWER THESE GREATEST INTERVIEW QUESTIONS OF ALL TIME We hope you enjoy this worth of free reading material. Feel free to forward this email to a nerdy friend who'll love you for it. See you on Planet Internet! With love, The HackerNoon Team ✌️

Author: Hackernoon

2025/10/24

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