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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.

14922 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
$3.8B fund tokenized on BNB marks China’s boldest RWA move yet

$3.8B fund tokenized on BNB marks China’s boldest RWA move yet

The post $3.8B fund tokenized on BNB marks China’s boldest RWA move yet appeared on BitcoinEthereumNews.com. CMB International Asset Management tokenized the CMB International USD Money Market Fund on BNB Chain through the CMBMINT and CMBIMINT tokens on Oct. 15. The fund manages over $3.8 billion and ranked first among Asia-Pacific money market peers in Bloomberg’s performance rankings as of October 2025. Launched in 2024, the fund invests at least 70% of its net asset value in US dollar-denominated short-term deposits and high-quality instruments issued by governments, quasi-governmental entities, and top-tier financial institutions. Through tokenization, accredited investors can subscribe using fiat or stablecoins and redeem their holdings in real-time via DigiFT’s liquidity management smart contracts, supported by infrastructure provider OnChain. Adam Bai, head of CMB International Asset Management, said BNB Chain’s infrastructure enables the firm to “securely and compliantly extend our money market strategies to a broader global investor base.” BNB Chain’s RWA ecosystem comprises issuance partners, including Franklin Templeton, Ondo, Securitize, Backed, OpenEden, and Asseto. Among the financial assets issued on the network are Circle’s USYC, VBill, Benji, and Cash+. The CMBMINT and CMBIMINT tokens will integrate with the Venus Protocol and ListaDAO, enabling investors to use them as collateral for lending or in yield strategies. Sarah, head of business development at BNB Chain, called the collaboration “another milestone in our RWA journey,” adding that it reinforces BNB Chain’s vision to become the tokenization layer for all assets. Regulatory context On Sept. 23, Reuters reported that China’s securities watchdog advised some local brokerages to pause their RWA tokenization business in Hong Kong. At least two leading brokerages received informal guidance from the China Securities Regulatory Commission to refrain from conducting RWA business outside China. Shares in top Chinese brokerages listed in Hong Kong, including Guotai Junan International and GF Securities, fell between 2% and 7.25% on the news. Hong Kong’s Financial Services, the Treasury Bureau,…

Author: BitcoinEthereumNews

2025/10/17

There is a $200K Bug Hunt for XRPL’s New Institutional Lending Protocol

There is a $200K Bug Hunt for XRPL’s New Institutional Lending Protocol

The post There is a $200K Bug Hunt for XRPL’s New Institutional Lending Protocol appeared on BitcoinEthereumNews.com. Fintech company Ripple is partnering with security platform Immunefi for an upcoming “Attackathon” event, designed to put a new decentralized finance protocol on the XRPL through rigorous testing. The event will offer $200,000 in rewards to participants who help identify vulnerabilities in the proposed XRPL Lending Protocol, a new system designed to bring fixed-term, uncollateralized loans to the XRP Ledger. Attackathon, which runs from Oct. 27 to Nov. 29, will invite white-hat hackers and security researchers to probe the codebase and report vulnerabilities before the protocol goes live. Ripple will offer full educational support through an “Attackathon Academy,” including walkthroughs and Devnet environments, to help researchers get familiar with XRPL’s architecture. The learning stage runs from Oct. 13 to Oct. 27. Following this, the bug hunting competition starts Oct. 27 and continues through November, giving researchers ample time to thoroughly examine the protocol. If a valid exploit is found, the entire reward pool unlocks. If not, $30,000 will be distributed to participants who contribute meaningful findings. The XRPL Lending Protocol, governed under XLS-66, takes a different path from typical DeFi models. There are no smart contracts, wrapped assets, or on-chain collateral. Instead, creditworthiness is assessed off-chain, which allows financial institutions to apply their own risk models, while funds and repayments are recorded directly on the ledger. It is an approach Ripple is pitching as a bridge between traditional credit markets and on-chain finance, offering transparency while keeping regulatory guardrails intact. Institutions that need collateralized structures can still manage those through licensed custodians or tri-party agreements, with the protocol acting as the execution layer. Researchers will focus on vulnerabilities that could threaten fund safety or protocol solvency. In-scope targets include vault logic, liquidation and interest calculations, and permissioned access controls. Bugs must be reproducible and come with working proof-of-concepts to qualify.…

Author: BitcoinEthereumNews

2025/10/16

The Visa Catalyst: Why Analysts Predict a 10x Surge for Digitap ($TAP)

The Visa Catalyst: Why Analysts Predict a 10x Surge for Digitap ($TAP)

The post The Visa Catalyst: Why Analysts Predict a 10x Surge for Digitap ($TAP) appeared on BitcoinEthereumNews.com. Visa has played a central role in payments for decades. Its global reach and instant settlement infrastructure helped define how people use money online. But while Visa remains dominant, the payments landscape is changing fast. A new wave of fintech-focused crypto projects is emerging, and Digitap ($TAP) is at the center of this movement. The recent news surrounding payment integrations and institutional interest has pushed analysts to revisit their 2025 forecasts. Many are now predicting a 10x surge for $TAP, arguing that the token combines real-world utility with early-stage upside. Moreover, the omni-bank has a working application downloadable from the Google Play and Apple App Store, a presale rarity.   The Omni-Bank Concept The backbone of Digitap’s strategy is its omni-bank model. Instead of being a single-purpose app, it functions as a hub for digital payments, savings, and potentially lending in the future. It’s designed to give users fundamental financial tools, not just a token. Remote workers, for example, can receive their salaries in an IBAN or wallet of their choosing.  This is achieved through a zero-KYC model that provides complete owner access while ensuring full legal compliance. Users can withdraw or deposit easily, using external wallets and bank accounts, all through one interface. The omni-bank has a “tap once, pay anywhere” ethos, where payments can be made through Apple Pay, Google Pay, or direct tap to pay.  Invoicing and business accounts are fully supported, too. SEPA, SWIFT, and ACH transfers are integrated into the platform. Digitap offers the functionality of Visa and traditional banking, enhanced by crypto speeds and security, creating a new paradigm in global finance.  If Visa represents the old world of centralized payments, $TAP is shaping up to define the next generation — faster, borderless, and more inclusive. Payment tokens have a history of outperforming during strong…

Author: BitcoinEthereumNews

2025/10/16

Web3 Startup ivault is Bringing Blockchain-Powered Shared Economy to the Streets of Vienna

Web3 Startup ivault is Bringing Blockchain-Powered Shared Economy to the Streets of Vienna

The post Web3 Startup ivault is Bringing Blockchain-Powered Shared Economy to the Streets of Vienna appeared on BitcoinEthereumNews.com. ivault:- The Web3 ecosystem has no shortage of promises. But Swiss startup ivault is determined to separate itself from what the community calls vaporware – projects that exist only in whitepapers and Discord chats. The team emphasizes that it’s actually shipping – running live deployments, gathering user feedback, and preparing for city-scale rollouts. For instance, this November, Vienna will host ivault’s next major launch event – a special gathering bringing together celebrities, media representatives, and local ambassadors, and likely in collaboration with the City Council of Vienna. The event marks a new chapter in ivault’s mission to bring blockchain utilities into everyday life – not through speculation, but through tangible, city-based experiences that connect communities and demonstrate real-world utility. ivault’s core idea is simple yet ambitious: build a peer-to-peer sharing economy where people can securely lend, borrow, or rent goods using tokenized identities and smart contracts. From ETHCC to Vienna: Inside ivault’s Outreach Strategy The Vienna launch follows ivault’s year-long journey of field testing and community engagement across the global Web3 circuit. Over the past year, the startup has piloted its ideas in Paris (ETHCC), Monaco (WAIB Summit), Indonesia (CoinFest Asia), LawangWeb3, and will attend Zebu Live in London next week – blending guerrilla marketing with live user feedback. Also Read: Coinbase’s New Remote Policy At ETHCC in July, the team took to the corridors with impromptu demos and QR-based challenges to onboard early testers. Around the same time in Monaco, they partnered with local innovators to explore shared-mobility pilots. In Indonesia, collaborations with student-led blockchain communities helped localize the app for new languages and cultural contexts. Across each stop, the focus was not just visibility – but learning. Surprise activations, from pop-up demos to partnerships with local meetups like LawangWeb3 and Zebu Live, helped ivault convert curious attendees into…

Author: BitcoinEthereumNews

2025/10/16

October’s Top Crypto to Buy for Short Term: XLM, DOT, and a Fast-Rising Ethereum-Based Project Gain Traction

October’s Top Crypto to Buy for Short Term: XLM, DOT, and a Fast-Rising Ethereum-Based Project Gain Traction

Stellar (XLM) and Polkadot (DOT) are back in the spotlight this October 2025, bouncing after a chaotic week that wiped […] The post October’s Top Crypto to Buy for Short Term: XLM, DOT, and a Fast-Rising Ethereum-Based Project Gain Traction appeared first on Coindoo.

Author: Coindoo

2025/10/16

Best Crypto Trends: 5 Top Altcoins to Buy This Week (October 2025) as MoonBull Fuels the Market Wildfire

Best Crypto Trends: 5 Top Altcoins to Buy This Week (October 2025) as MoonBull Fuels the Market Wildfire

Top altcoins to join this week features MoonBull presale, SOL, XRP, BZIL, CULEX, discover top 100x meme projects and 100x crypto coins now!

Author: Blockchainreporter

2025/10/16

S&P Global Ratings Integrates Stablecoin Risk Analysis On-Chain via Chainlink, Launching on Base

S&P Global Ratings Integrates Stablecoin Risk Analysis On-Chain via Chainlink, Launching on Base

The post S&P Global Ratings Integrates Stablecoin Risk Analysis On-Chain via Chainlink, Launching on Base appeared on BitcoinEthereumNews.com. Oct 16, 2025 at 14:07 // News S&P Global Ratings announced a collaboration with Chainlink to bring its Stablecoin Stability Assessments (SSAs) directly onto blockchain networks. This initiative represents a significant bridge between institutional-grade financial analysis and the decentralized digital asset ecosystem, marking a step toward formalizing risk evaluation within DeFi protocols. Informed decisions The SSAs, which provide a deep, independent analysis of the risk profile of various stablecoins, are now accessible directly within smart contracts. By leveraging Chainlink’s robust oracle network, S&P Global’s data—traditionally confined to financial reports—can be securely and reliably delivered on-chain. This integration is designed to enable DeFi protocols and institutional investors to make more informed decisions by directly referencing a recognized, independent assessment of a stablecoin’s safety and reliability. The initial launch of the on-chain SSAs will take place on Base, the Ethereum Layer 2 blockchain incubated by Coinbase. The choice of a high-speed, low-cost Layer 2 network indicates a strategic focus on supporting the burgeoning institutional activity within the scalable Ethereum ecosystem. Expansion to other blockchain networks is planned based on market demand. A time of accelerating stablecoin market This development comes at a time of accelerating stablecoin market growth. As of October 2025, the stablecoin market capitalization has surpassed $300 billion, up significantly from the previous year. As the market for tokenized Real-World Assets (RWAs) and institutional DeFi grows, the need for transparent, standardized, and immediately accessible risk metrics for stablecoins becomes paramount. The integration with Chainlink, which already secures billions of dollars in total value locked (TVL) across DeFi, allows for the SSAs to be incorporated directly into key DeFi mechanisms, such as collateral management, automated lending protocols, and institutional treasury operations. This direct on-chain access to risk data is a game-changer, potentially increasing…

Author: BitcoinEthereumNews

2025/10/16

How Grayscale Transformed Crypto Staking for Wall Street Investors

How Grayscale Transformed Crypto Staking for Wall Street Investors

Cryptocurrency staking is increasingly gaining mainstream acceptance as a means to earn passive income on digital assets. With regulatory clarity gradually emerging, traditional investors are now able to participate in staking through regulated, accessible investment vehicles. The launch of Grayscale’s first publicly traded staking-focused exchange-traded products (ETPs) signifies a major breakthrough, integrating blockchain yield mechanics [...]

Author: Crypto Breaking News

2025/10/16

Top 5 Upcoming Crypto Presales in 2025 That Could Change the Game

Top 5 Upcoming Crypto Presales in 2025 That Could Change the Game

Discover the top 5 upcoming crypto presales of 2025 poised to disrupt the market. Explore early projects with massive growth and profit potential.

Author: Blockchainreporter

2025/10/16

Ripple Teams with Immunefi for XRPL Attackathon Offering $200K Prize

Ripple Teams with Immunefi for XRPL Attackathon Offering $200K Prize

TLDR Ripple has partnered with Immunefi to launch a $200,000 bug bounty event called Attackathon. The event will test the upcoming XRPL Lending Protocol before its official launch. The bug hunting competition will run from October 27 to November 29. Ripple will provide full technical support through an educational program called Attackathon Academy. Researchers must [...] The post Ripple Teams with Immunefi for XRPL Attackathon Offering $200K Prize appeared first on CoinCentral.

Author: Coincentral

2025/10/16

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