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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.

14914 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Tether Launches Powerful Open-Source Wallet Kit to Revolutionize USDT Ecosystem

Tether Launches Powerful Open-Source Wallet Kit to Revolutionize USDT Ecosystem

Tether, the company behind the world’s largest stablecoin USDT, is gearing up to release its fully open-source Wallet Development Kit (WDK) this week. CEO Paolo Ardoino confirmed the update on X, noting that the kit will include ready-to-use starter wallets for both iOS and Android users. The kit aims to simplify wallet creation by providing […]

Author: Tronweekly

2025/10/16

USDT0 Legacy Mesh Integrates Solana, Unlocking Interoperability for Native USDT and Omnichain Tether Gold

USDT0 Legacy Mesh Integrates Solana, Unlocking Interoperability for Native USDT and Omnichain Tether Gold

[PRESS RELEASE – Road Town, British Virgin Islands, October 15th, 2025] As demand for stablecoins and real-world assets grows, USDT0 is unifying stablecoin liquidity on Solana and reinforcing Solana’s position as a leading hub for digital dollars and real-world finance. Today, USDT0, the unified liquidity network for the world’s most widely used stablecoin Tether (USDT) […]

Author: CryptoPotato

2025/10/16

Peter Thiel’s Erebor Bank Gets OCC Approval as Washington Softens Stance on Crypto-Linked Banking

Peter Thiel’s Erebor Bank Gets OCC Approval as Washington Softens Stance on Crypto-Linked Banking

In a move signaling a subtle but significant policy shift in Washington, the Office of the Comptroller of the Currency (OCC) has granted preliminary conditional approval to Erebor Bank, a new financial institution backed by technology prominents Peter Thiel, Palmer Luckey, and Joe Lonsdale. The approval, announced Wednesday, marks the first de novo bank to receive national authorization under Comptroller Jonathan Gould, according to the Financial Times. Erebor Bank, headquartered in Columbus, Ohio, filed its application on June 11, and its approval follows a four-month regulatory review. “I am committed to a dynamic and diverse federal banking system, and our decision today is a first but important step in living up to that commitment,” Gould said. Gould’s accompanying remarks indicated a notable shift from the regulator’s previous restrictive look: the OCC “does not impose blanket barriers to banks that want to engage in digital asset activities.” That statement shows one of the clearest indications yet that U.S. banking regulators may be reconsidering their restrictive stance toward crypto-linked financial services, which was further exacerbated by the 2023 collapses of several crypto banks. Analysts view the OCC’s decision as a watershed moment for the industry, a sign that Washington is ready to experiment with responsible crypto banking, provided institutions can demonstrate robust compliance and risk controls. If Erebor secures full authorization, it could become a test case for how regulators manage digital asset exposure within federally chartered banks and a potential model for others seeking to bridge the gap between traditional banking and digital finance. The question now shifts to what Erebor will offer. After SVB’s Fall, Erebor Bank Steps In to Serve Tech and Crypto Businesses In the wake of Silicon Valley Bank’s dramatic collapse in 2023, which sent shockwaves through the startup and venture capital ecosystem, Erebor Bank is emerging as a deliberate attempt to fill the vacuum left in the financing of America’s economy. Erebor seeks to serve clients in high-growth, high-tech sectors, including artificial intelligence, defense, manufacturing, and digital assets, as well as payment processors, venture funds, and trading firms. The bank’s charter aims to operate as a full-service national bank, offering both traditional deposit and lending services, while integrating digital asset operations under a tightly regulated framework. According to its filings, Erebor expects to hold approximately $1 million in cryptocurrency for transactional purposes, indicating limited but deliberate exposure to digital assets. Unlike the risk-heavy approach that defined some of its predecessors, Erebor’s model aims for conservatism and compliance. A source close to the company told the Financial Times that Erebor aims to be “a stable, low-risk, reliable bank doing normal banking things without screwing everyone over with undue risk.” The fall of SVB, along with Silvergate, Signature Bank, and First Republic, had left tech startups and crypto firms struggling to find stable banking partners. This disruption forced many to seek offshore or non-traditional solutions, a gap Erebor now seeks to fill with institutional discipline and Silicon Valley know-how. Still, Erebor is not fully operational yet. The OCC’s conditional approval means the institution must complete a series of compliance, cybersecurity, and capital adequacy reviews, a process that could take several months, before receiving a final charter. How Erebor’s Approval Reflects Washington’s Crypto Policy Pivot Erebor’s approval comes amid broader regulatory momentum in Washington. President Donald Trump recently signed the GENIUS Act, a landmark bill establishing oversight rules for stablecoin issuers, while Congress continues to debate broader crypto market structure legislation and limits on a central bank digital currency (CBDC). The new policy climate has encouraged several crypto-linked firms, including Coinbase, Circle, and Ripple, to pursue national trust or banking charters with the OCC. In May, the OCC issued updated guidance confirming that banks may buy and sell cryptocurrencies held in custody at the direction of customers, an important reversal of prior restrictions. The policy also allows institutions to outsource crypto custody and execution to third parties, provided they meet strict safety and soundness standards. The clarification marked a clear shift toward integrating crypto activities within federally regulated banks. Gould’s appointment in June reinforced that direction. The former Bitfury executive and OCC veteran was confirmed by the Senate in a narrow 50–45 vote, becoming the agency’s first permanent chief since 2020. His background in blockchain and digital assets has shaped a more open stance toward innovation in banking. Under his leadership, the OCC has already removed references to “reputation risk” in its internal guidance, a change viewed as reducing barriers for banks engaging in crypto-related services. Despite the shift, some lawmakers have voiced concerns about the growing ties between politics and cryptocurrency. In August, Senators Elizabeth Warren, Chris Van Hollen, and Ron Wyden urged Gould to investigate potential conflicts of interest related to President Trump’s personal involvement in crypto ventures, particularly a stablecoin called USD1 issued by World Liberty Financial. The senators questioned whether the OCC could maintain impartial oversight as it becomes the primary regulator for stablecoins under the GENIUS Act

Author: CryptoNews

2025/10/16

First US Crypto Bank Gets the Green Light — Backed by Thiel, Luckey, and Lonsdale

First US Crypto Bank Gets the Green Light — Backed by Thiel, Luckey, and Lonsdale

The post First US Crypto Bank Gets the Green Light — Backed by Thiel, Luckey, and Lonsdale appeared on BitcoinEthereumNews.com. The US Office of the Comptroller of the Currency has granted preliminary, conditional approval for Erebor Bank’s national charter, opening the door for a tech- and crypto-focused lender backed by Palmer Luckey, Joe Lonsdale, and Peter Thiel. The decision came just four months after Erebor’s application and followed Washington’s rollout of the GENIUS Act, which set new standards for stablecoin issuance. The bank plans digital-only operations from Columbus and New York, supported by $275 million in capital and a conservative risk framework. Sponsored Sponsored OCC Greenlights Erebor’s $275M Charter The Office of the Comptroller of the Currency (OCC), the federal agency overseeing national banks, granted Erebor preliminary and conditional authority to form a federally chartered bank on Wednesday. It is the first such approval under Comptroller Jonathan Gould since his July appointment, underscoring a shift toward a more innovation-friendly regulatory posture. This status lets founders raise deposits, hire staff, and build infrastructure while regulators vet their systems. Erebor must complete cybersecurity, capital, and anti-money-laundering audits before opening. “The OCC remains committed to a diverse banking system that supports responsible innovation,” Gould said in a statement. “Today’s decision is an early step, not the finish line.” Once fully licensed, Erebor’s charter will permit lending, custody, and payments using digital-asset rails. Headquartered in Ohio with a secondary office in New York, Erebor will operate primarily through mobile and web platforms. Backers include Founders Fund, 8VC, and Haun Ventures—all active in crypto and fintech. Before launching, Erebor must also obtain Federal Deposit Insurance Corporation (FDIC) approval, which typically takes nine to ten months. Analysts note that dual OCC-FDIC oversight could set a new compliance bar for digital-asset banking. Sponsored Sponsored Silicon Valley Money and Trump-Era Links Erebor’s founding network is deeply intertwined with influential Silicon Valley and political figures. Co-founder Palmer Luckey, also…

Author: BitcoinEthereumNews

2025/10/16

PBOC sets USD/CNY reference rate at 7.0968 vs. 7.1021 previous

PBOC sets USD/CNY reference rate at 7.0968 vs. 7.1021 previous

The post PBOC sets USD/CNY reference rate at 7.0968 vs. 7.1021 previous appeared on BitcoinEthereumNews.com. The People’s Bank of China (PBOC) set the USD/CNY central rate for the trading session ahead on Thursday at 7.0968 compared to the previous day’s fix of 7.0995 and 7.1186 Reuters estimate. PBOC FAQs The primary monetary policy objectives of the People’s Bank of China (PBoC) are to safeguard price stability, including exchange rate stability, and promote economic growth. China’s central bank also aims to implement financial reforms, such as opening and developing the financial market. The PBoC is owned by the state of the People’s Republic of China (PRC), so it is not considered an autonomous institution. The Chinese Communist Party (CCP) Committee Secretary, nominated by the Chairman of the State Council, has a key influence on the PBoC’s management and direction, not the governor. However, Mr. Pan Gongsheng currently holds both of these posts. Unlike the Western economies, the PBoC uses a broader set of monetary policy instruments to achieve its objectives. The primary tools include a seven-day Reverse Repo Rate (RRR), Medium-term Lending Facility (MLF), foreign exchange interventions and Reserve Requirement Ratio (RRR). However, The Loan Prime Rate (LPR) is China’s benchmark interest rate. Changes to the LPR directly influence the rates that need to be paid in the market for loans and mortgages and the interest paid on savings. By changing the LPR, China’s central bank can also influence the exchange rates of the Chinese Renminbi. Yes, China has 19 private banks – a small fraction of the financial system. The largest private banks are digital lenders WeBank and MYbank, which are backed by tech giants Tencent and Ant Group, per The Straits Times. In 2014, China allowed domestic lenders fully capitalized by private funds to operate in the state-dominated financial sector. Source: https://www.fxstreet.com/news/pboc-sets-usd-cny-reference-rate-at-70968-vs-71021-previous-202510160118

Author: BitcoinEthereumNews

2025/10/16

Ripple Empowers Africa: Partners with Absa to Launch Secure, Bank-Grade Crypto Custody

Ripple Empowers Africa: Partners with Absa to Launch Secure, Bank-Grade Crypto Custody

In a major development for Africa’s digital asset environment, Ripple has collaborated with Absa Group. It is one of South Africa’s biggest financial organizations. This move is to launch a bank-grade cryptocurrency custody service. This initiative symbolizes a strategic initiative toward institutional use cases of cryptocurrency in the nation. Also Read: Ripple’s XRPL Attackathon Offers […]

Author: Tronweekly

2025/10/16

China Merchants Bank Brings $3.8B MMF Fund On BNB Chain

China Merchants Bank Brings $3.8B MMF Fund On BNB Chain

The post China Merchants Bank Brings $3.8B MMF Fund On BNB Chain appeared on BitcoinEthereumNews.com. A Hong Kong-based subsidiary of a major Chinese commercial bank, China Merchants Bank (CMB), tokenized its $3.8 billion money market fund (MMF) on BNB Chain. CMB International Asset Management (CMBI) has partnered with BNB Chain to bring its CMB International USD Money Market Fund onto its layer-1 (L1) blockchain, BNB Chain announced on Wednesday. The partnership builds on CBMI’s real-world asset tokenization (RWA) cooperation with Singapore-based tokenization platform DigiFT, which tokenized the fund on the Solana blockchain in August. The CMBI’s fund launch on BNB Chain came weeks after online reports suggested that China’s securities regulator had been pressuring local brokerages to pause their RWA projects in Hong Kong. Quick fund overview Launched in early 2024, the CMB International USD Money Market Fund is a sub-fund of the CMB International Open-ended Fund Company, which is a public umbrella open-ended fund company established in Hong Kong. The fund primarily invests in US dollar-denominated deposits as well as state-backed money market instruments in countries or regions, including the US, Singapore, the European Union, mainland China, Hong Kong, Macau and Taiwan. The CMB International USD Money Market Fund’s AUM from April 2025. Source: HKEX According to data from the Hong Kong Stock Exchange (HKEX), the fund has been steadily growing since its inception, with AUM adding 24% from $2.9 billion in April to $3.6 billion by August. CMBMINT and CMBIMINT tokens deployed on BNB Chain CMBI Asset Management’s collaboration with BNB Chain marks a milestone in bringing RWAs to one of the most active blockchain ecosystems, BNB Chain said in the announcement. “By expanding onchain distribution, CMB International and BNB Chain are providing Accredited Investors with direct, blockchain-based access to a top-performing fund with over $3.8 billion AUM,” it added. Source: BNB Chain The collaboration brings two tokens, CMBMINT and CMBIMINT, onto the…

Author: BitcoinEthereumNews

2025/10/16

From Wellness To Web3 To Business

From Wellness To Web3 To Business

The post From Wellness To Web3 To Business appeared on BitcoinEthereumNews.com. Nine Game Changer Insights in AI, Blockchain, and Human from SXSW Sydney 2025 SXSW Sydney As I attended SXSW Sydney 2025, I consolidated the 8 Game Changes in the Age of AI and Web3. One idea echoed across stages, studios, and conversations. The future will not be built by technology alone. It will be shaped by the people who use it with purpose. From artificial intelligence to blockchain to storytelling, the discussions revealed a global hunger to align innovation with meaning. In chatting with Fenella Kernebone, the Head of Conference for SXSW Sydney, she told me that “SXSW Sydney is more than an event. It is a powerful gathering that brings together over 100,000 innovators, creators, and leaders from around the world. Each year, it transforms the city into a hub of ideas, creativity, and collaboration. Cutting across music, tech, and film, the energy of our attendees makes it extraordinary, turning inspiration into action and ideas into real change. It is an event that’s about a blend of what’s next and who’s next?” Fenella Kernebone, the Head of Conference for SXSW Sydney SXSW Sydney Here are Eight Game Changer moments from SXSW Sydney that reveal how leaders, creators, and innovators can navigate this new age with intention and clarity. And take a guess, almost all of them include AI! 1. Wellbeing Is the New Superpower Even In The Age of AI I bet you didn’t expect to see this as a game changer, right? Before the buzzwords, before the tech demos, SXSW Sydney began with a moment of stillness. Former Google X Chief Business Officer Mo Gawdat, author of Solve for Happy, reminded the audience that in an age of constant acceleration, our greatest edge is not speed but serenity. “The most important upgrade we can make is not to…

Author: BitcoinEthereumNews

2025/10/16

EU official warns stablecoins could threaten global finance if unmanaged

EU official warns stablecoins could threaten global finance if unmanaged

Pierre Gramegna, the managing director of the European Stability Mechanism, warned in Washington on Wednesday that stablecoins could endanger global financial stability if they are not properly guaranteed or regulated. Gramegna’s comments came during the International Monetary Fund’s annual meetings, where he said that if stablecoins ever became mainstream without being tied to central bank […]

Author: Cryptopolitan

2025/10/16

Thiel-Backed Erebor Gets Green Light to Launch US Bank for Startups

Thiel-Backed Erebor Gets Green Light to Launch US Bank for Startups

TLDR Erebor has received preliminary approval from US regulators to operate as a national bank. Billionaire investor Peter Thiel and targets innovation-driven sectors back the company. Erebor aims to serve startups in cryptocurrency, artificial intelligence and advanced technology. The Office of the Comptroller of the Currency confirmed the issuance of a conditional banking charter. Erebor [...] The post Thiel-Backed Erebor Gets Green Light to Launch US Bank for Startups appeared first on Blockonomi.

Author: Blockonomi

2025/10/16

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