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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.

14938 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Why Direct Lending Is Not In A Bubble

Why Direct Lending Is Not In A Bubble

The post Why Direct Lending Is Not In A Bubble appeared on BitcoinEthereumNews.com. Lawrence Golub (left) speaks on stage at the Forbes/Shook Top Advisor Summit in Las Vegas. Santa Barbara Photography Lawrence Golub, billionaire founder and CEO of private credit firm Golub Capital, emphatically dismissed fears that the rapid growth of private credit, specifically direct lending, is leading to a bubble. Speaking at the ninth annual Forbes/SHOOK Top Advisor Summit in Las Vegas, NV, on Thursday, Golub argued that direct lending continues to offer investors superior risk-adjusted returns and acts as a necessary hedging tool for traditional 60/40 portfolios with stocks and bonds. “It’s for sure not a bubble,” he said to a room full of financial advisors. Golub asserted that an allocation to private credit and direct lending improves the risk-adjusted return of a traditional 60/40 portfolio: “The returns from direct lending across decades are often better than half of private equity funds.” Golub’s comments were delivered at a time when private credit business has come under scrutiny thanks to the bankruptcy filing of Ohio auto parts conglomerate First Brands, which binged on off balance-sheet direct loans, and currently owes creditors including Jefferies, UBS and Nomura, at least $10 billion. Golub—who has a net worth of $3.3 billion, according to Forbes—founded his New York City-based company in 1994 originally as a buyout firm, but after the 2000 dotcom bust he switched its strategy to lending; Today, the firm has roughly $80 billion in assets under management. While acknowledging that private equity firms haven’t been giving money back to investors as quickly as some expected, he argued the asset class’s overall tarnished reputation is “overdone.” He stressed that premium returns continue for firms that act as skilled operators rather than just passive investors, bringing an information advantage over public markets: “Unlike traditional public market investments, there is persistence of manager performance over time…

Author: BitcoinEthereumNews

2025/10/17

Vietnam’s Credit Boom Could Ignite the Next Crypto Surge

Vietnam’s Credit Boom Could Ignite the Next Crypto Surge

The post Vietnam’s Credit Boom Could Ignite the Next Crypto Surge appeared on BitcoinEthereumNews.com. This year, Vietnam is experiencing substantial credit growth. The country’s central bank actively encourages this trend through supportive, low-interest-rate policies. Given Vietnam’s top global digital asset market status, experts anticipate these favorable conditions will fuel the sector. Increased investment flexibility and a growing risk appetite are expected to boost liquidity in crypto significantly. Sponsored Sponsored Central Bank Boosts Credit Target Authorities in Vietnam have demonstrated a sustained policy focus on stimulating the economy through favorable monetary conditions for consumers.  The State Bank of Vietnam (SBV) recently raised the credit limit for commercial banks and directed them to reduce lending rates. This move was partially taken to meet the ambitious national gross domestic product expansion goals. Earlier this month, the central bank announced it expects credit to increase by 19% to 20% this year. This aggressive push has already resulted in significant growth. Officials from the SBV have explicitly acknowledged that this liquidity injection will influence the flow of capital into riskier assets. The country’s digital assets market is poised to benefit significantly under this environment.  Sponsored Sponsored The Nation’s Digital Assets Momentum Vietnam is one of the world’s fastest-growing digital assets hubs. The country consistently ranks among the top globally for grassroots crypto adoption. Today, a significant percentage of its population owns digital assets or trades crypto. The proactive development of a legal framework strongly supports the industry’s rising momentum. In a landmark move, Vietnam’s National Assembly approved the Law on Digital Technology Industry in June, formally recognizing digital assets as a type of property. 🌍 Top 10 countries driving global crypto adoption in 2025 ⬇️ 1️⃣ India 🇮🇳2️⃣ United States 🇺🇸3️⃣ Pakistan 🇵🇰4️⃣ Vietnam 🇻🇳5️⃣ Brazil 🇧🇷6️⃣ Nigeria 🇳🇬7️⃣ Indonesia 🇮🇩8️⃣ Ukraine 🇺🇦9️⃣ Philippines 🇵🇭🔟 Russia 🇷🇺 pic.twitter.com/SpMFmprR2q — CryptoCrunchApp (@CryptoCrunchApp) September 16, 2025 To bolster this shift, the government…

Author: BitcoinEthereumNews

2025/10/17

Daylight’s $75M Raise Could Scale Home Solar-and-Storage Network, Drawing Interest From Ethereum Ecosystem Investors

Daylight’s $75M Raise Could Scale Home Solar-and-Storage Network, Drawing Interest From Ethereum Ecosystem Investors

The post Daylight’s $75M Raise Could Scale Home Solar-and-Storage Network, Drawing Interest From Ethereum Ecosystem Investors 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 → Daylight Energy raises $75M to scale a crypto-powered residential solar and battery network, funding installations and launching DayFi to let investors earn yield from electricity revenues while homeowners get backup power, lower bills, and rewards for excess energy. Daylight raised $75 million to finance home solar + storage rollouts via equity and project finance. DayFi will let crypto investors earn yield tied to electricity revenues from distributed assets. Funding split: $15M equity (Framework Ventures, a16z Crypto, Coinbase Ventures, Lerer Hippeau) and $60M project facility led by Turtle Hill Capital. Daylight Energy raises $75M to fund home solar and batteries, unlocking DayFi yields for investors and lower bills for homeowners — read the details and next steps. Daylight raises $75M to give homeowners solar and battery storage with no upfront cost, ensuring backup power & lower utility bills. COINOTAG recommends • Professional traders group 💎 Join a professional trading community Work with senior traders, research‑backed setups, and risk‑first frameworks. 👉 Join the group → COINOTAG recommends • Professional traders group 📊 Transparent performance, real process Spot strategies with documented months…

Author: BitcoinEthereumNews

2025/10/17

Vietnam Experiences a Boom in Credit Growth: What Does This Mean for Crypto?

Vietnam Experiences a Boom in Credit Growth: What Does This Mean for Crypto?

This year, Vietnam is experiencing substantial credit growth. The country’s central bank actively encourages this trend through supportive, low-interest-rate policies. Given Vietnam’s top global digital asset market status, experts anticipate these favorable conditions will fuel the sector. Increased investment flexibility and a growing risk appetite are expected to boost liquidity in crypto significantly. Central Bank Boosts Credit Target Authorities in Vietnam have demonstrated a sustained policy focus on stimulating the economy through favorable monetary conditions for consumers.  The State Bank of Vietnam (SBV) recently raised the credit limit for commercial banks and directed them to reduce lending rates. This move was partially taken to meet the ambitious national gross domestic product expansion goals. Earlier this month, the central bank announced it expects credit to increase by 19% to 20% this year. This aggressive push has already resulted in significant growth. Officials from the SBV have explicitly acknowledged that this liquidity injection will influence the flow of capital into riskier assets. The country’s digital assets market is poised to benefit significantly under this environment.  The Nation’s Digital Assets Momentum Vietnam is one of the world’s fastest-growing digital assets hubs. The country consistently ranks among the top globally for grassroots crypto adoption. Today, a significant percentage of its population owns digital assets or trades crypto. The proactive development of a legal framework strongly supports the industry’s rising momentum. In a landmark move, Vietnam’s National Assembly approved the Law on Digital Technology Industry in June, formally recognizing digital assets as a type of property. To bolster this shift, the government launched a five-year pilot program to create a regulated digital asset market. The country’s demographics partly drive this policy move, as high crypto adoption among Vietnam’s young, tech-savvy population heavily powers the industry. Meanwhile, the country’s near-zero income tax on the gross value of crypto transactions proves highly favorable for high-frequency traders.  Given the greater context, the government’s current economic focus will further benefit the expanding sector. The eased conditions will create a risk-on environment, which is expected to boost crypto activity further. That said, the government has also recently implemented stricter oversight to safeguard investors. In a recent move to structure the market, the Ministry of Finance disclosed its plan to restrict the number of licensed trading platforms significantly.  The new framework would allow only a maximum of five exchanges to operate concurrently as part of the country’s pilot program. While some criticized the government’s move to tighten regulations, others have celebrated it as a needed measure to increase consumer protection.

Author: Coinstats

2025/10/17

With No Government Data, This Index Shows Housing Starts Are Rising

With No Government Data, This Index Shows Housing Starts Are Rising

The post With No Government Data, This Index Shows Housing Starts Are Rising appeared on BitcoinEthereumNews.com. The NAHB index is doing double duty this month, serving as a stand-in for missing housing starts data. (Photo by Justin Sullivan/Getty Images) Getty Images The National Association of Home Builders (NAHB)/Wells Fargo Housing Market Index rose five points in October to 37, its highest level since April and the biggest month-over-month improvement since January 2024. The index, based on a monthly survey of single-family builders, measures confidence in current and expected sales conditions on a scale of 0 to 100. Readings above 50 indicate that more builders see conditions as good than poor, meaning that pessimism, while abating, is still widespread. The October data is particularly useful for analysts trying to gauge housing activity during the government shutdown. With the Census Bureau expected to delay its housing construction report, NAHB says its index can serve as a proxy for trends in single-family permits. Robert Dietz, chief economist at NAHB said modeling of historical data suggests the October increase in builder sentiment points to about a 3% rise in September permits. Created in 1985, the survey asks builders to rate current sales, expected sales over the next six months, and traffic of prospective buyers. The index hit a record high of 90 in late 2020 when mortgage rates hovered near historic lows, then plunged as rates climbed in 2022 from 83 in January of that year to 31 in December when the Federal Reserve raised interest rates by half a percentage point to the, then highest level in 15 years. More recently, sentiment fell to 32 in August and September of this year, its lowest level since December 2022. No surprise then that this month’s rebound comes as the central bank has reversed course. The Fed cut its benchmark interest rate last month for the first time since December 2024…

Author: BitcoinEthereumNews

2025/10/17

Visa: Stablecoins Could Redefine Global Lending

Visa: Stablecoins Could Redefine Global Lending

The post Visa: Stablecoins Could Redefine Global Lending appeared on BitcoinEthereumNews.com. In a recent report, Visa highlighted that the global on-chain lending market is rapidly expanding, having reached $51.7 billion in monthly volume with over 81,000 active borrowers. In a tweet, Visa Head of Crypto Cuy Sheffield echoes Visa Founder Dee Hock’s statement that the “real revolution is not in electronic money, it is in electronic trust,” while revealing Visa’s viewpoint that stablecoins and smart contracts could redefine the global lending ecosystem and enable new on-chain credit networks. 1/ “The real revolution is not in electronic money, it is in electronic trust” – Visa founder Dee Hock At Visa, we believe that stablecoins and smart contracts have the potential to revolutionize the global lending ecosystem and enable new onchain credit networks pic.twitter.com/7xdA0Ix6we — Cuy Sheffield (@cuysheffield) October 16, 2025 “At Visa, we believe that stablecoins and smart contracts have the potential to revolutionize the global lending ecosystem and enable new onchain credit networks,” Sheffield wrote. Stablecoins play a crucial role in on-chain lending: they provide a dependable backbone for on-chain lending, offering fiat currency-denominated stability that lenders and borrowers can both utilize, combined with the flexibility and efficiency of programmable money. On-chain lending helps ensure capital market efficiency, and it can create accessible credit markets available 24/7. $670 billion stablecoin loans powered by smart contracts Visa found that over the past five years, $670 billion of stablecoin-denominated loans have originated through smart contracts to over one million unique wallet addresses on protocols like Aave, Compound and Morpho. Visa carried out extensive research in collaboration with Allium on stablecoins USDC, USDT, PYUSD, FDUSD, USDP, USDG and Ripple USD (RLUSD) on EVM chains and Solana. Sheffield highlighted this report in his tweet. In August 2025, more than $51.7 billion in stablecoins were borrowed by users. This adds up to a total volume of…

Author: BitcoinEthereumNews

2025/10/17

Ripple Acquires GTreasury for $1B to Boost Corporate Payments Push

Ripple Acquires GTreasury for $1B to Boost Corporate Payments Push

TLDR Ripple has acquired treasury management firm GTreasury for $1 billion to strengthen its position in corporate finance. The acquisition is expected to give Ripple access to the multi-trillion-dollar global treasury and repo markets. GTreasury has over 40 years of experience and serves large multinational corporations with advanced treasury tools. Ripple plans to integrate GTreasury’s [...] The post Ripple Acquires GTreasury for $1B to Boost Corporate Payments Push appeared first on Blockonomi.

Author: Blockonomi

2025/10/17

Stablecoins to take on lending, Huma Finance leads

Stablecoins to take on lending, Huma Finance leads

The post Stablecoins to take on lending, Huma Finance leads appeared on BitcoinEthereumNews.com. A new report by Visa explains that stablecoins are no longer just for payments and are taking a growing share of the credit markets. Summary Stablecoins are playing a growing role in the $40 trillion global credit market, says Visa DeFi platforms have issued $670 billion worth of stablecoin loans since 2020 Currently, there’s $14.8 billion in outstanding loans, with 427,000 loans issued in August alone Visa report highlighted Huma finance as one of the standout performers Stablecoins are no longer just for cross-border payments or crypto trading. On Thursday, October 16, credit card giant Visa published a report detailing the growing role of stablecoins in the on-chain credit market. The report outlines their expanding role in the $40 trillion global credit market. According to the report, on-chain lending with stablecoins has risen to more than $670 billion in total loans since 2020. That amounts to $51.7 billion in monthly activity, with more than 81,000 active borrowers. Moreover, the stablecoin loan market continues to grow, with DeFi platforms issuing 427,000 loans in August alone. Additionally, total outstanding loans amount to $14.8 billion, with $17.5 billion in total liquidity. Visa report highlights Huma Finance growth One of the players that Visa highlighted in its report is Huma Finance, an on-chain lending protocol. It enables short-term, receivables-backed lending using stablecoins, primarily for cross-border payments and working capital. These short-term loans, with an average duration of 1 to 5 days, are playing an increasing role in cross-border payments. Notably, Huma Finance reached $500 million in transaction volume, which includes loan originations and repayments. The network also has $98 million in actively deployed loans. Stablecoin use cases are growing in general. After the GENIUS Act created a stable regulatory framework for stablecoins, more companies are joining the industry, which is projected to reach $1…

Author: BitcoinEthereumNews

2025/10/17

Which Crypto To Buy Today For Long-Term As Cardano Bears Regain Control After Key Resistance

Which Crypto To Buy Today For Long-Term As Cardano Bears Regain Control After Key Resistance

Cardano has encountered fresh downward pressure after sellers rebuffed a pivotal barrier at $0.734. Investors now eye altcoins that promise stability amid volatility. Mutuum Finance Presale Accelerates at 70% capacity.

Author: Hackernoon

2025/10/17

Colossal $300 Trillion Paxos Minting Error Briefly Sends PYUSD Market Cap Past Global GDP

Colossal $300 Trillion Paxos Minting Error Briefly Sends PYUSD Market Cap Past Global GDP

The Dogecoin price slid 5% in the last 24 hours to trade at $0.1964 as of 3:50 a.m. EST on a 21% plunge in trading [...]

Author: Insidebitcoins

2025/10/16

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