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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.

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Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Bitpanda Clone Script: Launch Your Own Cryptocurrency Exchange with Ease

Bitpanda Clone Script: Launch Your Own Cryptocurrency Exchange with Ease

The global crypto trading industry is on fire, with thousands of people investing in digital assets such as Bitcoin, Ethereum, and various altcoins. Companies like Bitpanda have set a new standard of secure trading, as well as user-friendly trading experiences. If you are an entrepreneur interested in entering the rapidly growing crypto trading space, developing your own exchange from scratch can be very expensive and time-consuming. This is where a Bitpanda Clone Script would be beneficial. A Bitpanda Clone Script is a “ready to go” solution allowing you to develop a scalable, secure, and customizable cryptocurrency exchange. The following blog provides insight as to how a Bitpanda Clone Script can save you money developing and deploying your crypto business, as well as provide a What is a Bitpanda Clone Script? A Bitpanda Clone Script is a software package that can be refitted to replicate the core components and functionality of the Bitpanda platform. A ‘turnkey’ solution like this allows entrepreneurs to create a crypto exchange platform with very little coding effort and provides room for customization. Why is this worth considering? The global projected growth of exchanges in the cryptocurrency market will be record-breaking, with exponential growth in the next few years. A clone script will reduce technical complexity and provide high security standards when entering. Potential Use Case Scenarios: Launch a regional crypto exchange for local currencies. Launch a niche crypto platform for NFTs, gaming tokens, or DeFi projects. Enable corporate token trading with businesses generating their own corporate tokens. Core Features of Our Bitpanda Clone Script: We provide a Bitpanda Clone Script, which is feature-rich and not a generic exchange script or code. Multi-Crypto & Fiat Support: Trade top cryptocurrencies, including Bitcoin, Ethereum, and altcoins, along with fiat currencies including USD, EUR, and GBP; streamlined for users to buy/sell and exchange currencies with ease. Advanced Trading Engine: Orders are matched within microseconds and executed instantly with a fast, minimal-latency trading engine, maximizing spot trading, margin trading, and P2P transactions. Smart Wallet System: Features cold and hot wallets, multi-signature wallets, and wallet recovery options for maximum security and flexibility for users. Analytics & Portfolio Management: Users will be able to track their investments, tracking various performance scores, while measuring historical performance to make more informed trades. Referral & Loyalty Programs: Incentivizing trading will promote user engagement with rewards, bonuses, and loyalty points. Integrated Payment Gateway: The platform will be easy to navigate with multiple payment options, including cards, bank transfers, and crypto deposits. Custom alerts/notifications: Users will be able to receive alerts spanning price alerts, as well as trades and market news. Security Features of Bitpanda Clone Script: Security is a fundamental aspect of any crypto exchange. The Bitpanda Clone Script (with its license) comprises multiple layers of security. These include: Two-Factor Authentication (2FA): It helps prevent unwanted access to your accounts. End-to-End Encryption: The encryption will protect valuable data, user accounts, and other accounts that may come in contact with your business. DDoS Protection: The included protection will help protect against multiple adversarial attacks and DDoS events. KYC/AML Framework: Help protect against unwanted access to your business. Cold & Hot Wallets: Safe & secure space for storing cryptocurrencies for online/offline transactions. Example: Many exchanges have been hacked from a weak wallet. Adding multi-signature wallets and 2FA can eliminate many hacks. Use Cases of Bitpanda Clone Script: Regional Cryptocurrency Exchanges: That serve a region/country’s customers using local Fiat, and the local payment gateway. NFT & Gaming Token Marketplaces: Players and collectors can trade their tokens for other in-game assets and NFTs. Corporate Token Trading: Where companies can issue and trade or exchange their digital token among their employees or at an investor event. Portfolio Management Platforms: A Platform that combines crypto trading with advanced analytics to develop a portfolio management tool. DeFi & Lending Platforms: Platform developed to leverage DeFi features such as lending, staking, yield farming, etc. Example: A regional startup can advance on the Bitpanda clone to target Europe. The exchange will have EUR trading pairs, and the customer can use a crypto debit card to convert to cash for spending there and then. Benefits of Using a Bitpanda Clone Script: Speed to Market: Start your exchange in weeks instead of months. Cost-Effective: Avoid building everything from scratch and to high costs. Customizable Architecture: Ability to customize features, UI/UX, and trading customizations based on the target audience. Revenue Streams: Start building revenue from trading fees, withdrawal fees, tokens for listing, and subscriptions for premium users. Scalable Solution: The ability to scale as you grow with more users and transactions without technical bottlenecks. Example: For instance, exchanges can offer users referral programs and loyalty points to retain users longer and increase daily active trades. Why Choose AppClonex for Bitpanda Clone Script? AppcloneX has a fully developed Bitpanda Clone Script with industry-leading features, rock-solid security, and support all the way to launch. Key Features: Turnkey solution ready for branding and customization Multiple asset and multiple fiat options to trade Built-in KYC/AML compliance and security protocols Scalable backend architecture for future growth Technical support and updates after launch With AppcloneX, entrepreneurs can create a crypto exchange like Bitpanda in a more rapid, safe, and efficient manner, which will help it succeed in a competitive marketplace, at the same time it supports them in limited financial risk. You can get in touch with the team to get started. Bitpanda Clone Script: Launch Your Own Cryptocurrency Exchange with Ease was originally published in Coinmonks on Medium, where people are continuing the conversation by highlighting and responding to this story

Author: Medium

2025/10/08

Token2049 Singapore 2025: Where Crypto’s Future Took Shape

Token2049 Singapore 2025: Where Crypto’s Future Took Shape

Token2049 Singapore 2025 wasn’t just another crypto conference — it was a seismic moment that signaled where the next era of digital finance is headed. Drawing over 25,000 attendees from 160+ countries to Marina Bay Sands, the event blended cutting-edge research, market-defining announcements, and cultural momentum into a single, week-long celebration of Web3. From AI to real-world assets (RWA), DeFi to meme coins, and regulation to sustainability, Token2049 made one thing clear: the crypto industry has matured into a multidimensional ecosystem — and it’s only just beginning. Quantum, RWA, and DeAI: A Glimpse Into the Next Cycle If 2021 was about NFTs and 2023 about Layer-2s, then 2025 is shaping up to be the year of quantum security, tokenized assets, and decentralized AI (DeAI). Quantum-Resistant Cryptography: On “Quantum Day,” industry leaders raised alarms on the looming threat quantum computing poses to Bitcoin, Ethereum, and beyond — and highlighted the race toward post-quantum cryptography as an existential priority. RWA Goes Mainstream: Projects showcasing tokenized bonds, real estate, and commodities caught heavy VC attention, proving that RWA integration isn’t a trend — it’s the bridge to mainstream adoption. DeAI Momentum: Decentralized AI solutions are moving from hype to utility, promising self-optimizing trading strategies, predictive analytics, and automated contract execution — and investors are taking notice. DeFi Evolves: Cross-Chain Liquidity and Usability DeFi’s next chapter is all about scale and simplicity. New protocols unveiled at Token2049 showcased seamless cross-chain liquidity layers, user-first interfaces, and new staking models that aim to make yield farming and governance accessible to the next 100 million users. These solutions are also converging with real-world use cases — from institutional-grade lending to on-chain treasury management — signaling a shift from experimentation to infrastructure. NFTs, Gaming, and the Rise of Community Economies NFTs have quietly evolved from speculative assets into core components of digital economies. Projects are weaving NFTs into gaming ecosystems, unlocking play-to-earn models and new monetization paths driven by user participation. Community-led DAOs are further shaping these virtual worlds, laying the groundwork for a future where gaming and DeFi become indistinguishable. Green Blockchains: From Compliance to Competitive Advantage A notable theme was the emphasis on sustainability. With global regulatory scrutiny rising, projects that prioritize energy-efficient consensus mechanisms and carbon-neutral infrastructure are gaining both policy support and investor confidence. Green blockchain strategies are no longer optional — they’re essential for market differentiation. Meme Coins: From Subculture to Market Catalyst What was once dismissed as “speculative noise” is now a headline driver. Meme coins had their own breakout moment at Token2049, with “2049”-themed tokens skyrocketing on platforms like DEXscreener. These microtrends — often emerging overnight — showcased how meme culture now shapes market narratives, drives liquidity, and commands massive community engagement. For traders on Ave.ai, this shift underscores a powerful alpha opportunity: by tracking wallet activity, new contract deployments, and social momentum in real time, it’s now possible to capture early entries into these fast-moving markets before they go parabolic. Institutional Confidence and Regulatory Tailwinds Another clear takeaway: institutions are all-in. The pro-crypto stance from the U.S. under President Trump, including ambitions to become a “bitcoin superpower”, is fueling new waves of capital and stablecoin innovation. Heavyweights like Donald Trump Jr., CME Group, and top VCs outlined how the next phase of crypto will be defined by regulatory clarity, institutional-grade infrastructure, and integrated financial products. Startup & Investor Insights: Where the Smart Money Is Going Investors left Token2049 with a sharper lens for evaluating early-stage opportunities. The most sought-after projects shared three traits: Proven traction in DeFi, RWA, or DeAI Clear utility and scalability Sustainable, revenue-generating models Ecosystem panels also offered actionable strategies for portfolio construction, risk management, and early positioning in high-upside sectors — insights that will likely shape VC playbooks for 2026 and beyond. Ave.ai Perspective: Alpha in a Multi-Layered Market At Ave.ai, we see Token2049 as more than a conference — it’s a strategic roadmap for where crypto alpha will emerge next. As meme narratives fuse with institutional adoption, and DeAI tools merge with RWA protocols, on-chain traders must think beyond single-chain or single-metric strategies. Ave.ai’s mission is to give traders the fastest, most comprehensive edge across this new landscape — from real-time wallet intelligence and smart money tracking to automated sniping bots and multi-chain liquidity scanning. Because in the next cycle, data isn’t just power — it’s profit. Final Thoughts Token2049 Singapore 2025 marked a turning point. It confirmed that crypto is no longer a niche asset class but a global financial ecosystem — shaped by meme-driven narratives, secured by quantum-resistant tech, enriched by real-world assets, and powered by decentralized intelligence. And for those ready to trade that future? The tools to capture it are already here. Ready to elevate your trading experience? Try Ave AI now: Ave.ai - The Ultimate Web3 Trading Platform Token2049 Singapore 2025: Where Crypto’s Future Took Shape was originally published in Coinmonks on Medium, where people are continuing the conversation by highlighting and responding to this story

Author: Medium

2025/10/08

New S&P Index Links Traditional Finance with Digital Assets

New S&P Index Links Traditional Finance with Digital Assets

The post New S&P Index Links Traditional Finance with Digital Assets appeared on BitcoinEthereumNews.com. In a significant move highlighting the merger between traditional and digital finance, S&P Global has launched the S&P Digital Markets 50 Index. This innovative tool is designed to provide a thorough overview of the growing digital finance sector by blending conventional financial systems with the burgeoning blockchain and cryptocurrency industries. Continue Reading:New S&P Index Links Traditional Finance with Digital Assets Source: https://en.bitcoinhaber.net/new-sp-index-links-traditional-finance-with-digital-assets

Author: BitcoinEthereumNews

2025/10/08

Bitcoin Life Insurance Company Meanwhile Lands $82M as Crypto Savings Demand Soars

Bitcoin Life Insurance Company Meanwhile Lands $82M as Crypto Savings Demand Soars

TLDR Meanwhile raised $82 million in funding led by Bain Capital Crypto and Haun Ventures, with participation from Apollo, Northwestern Mutual Future Ventures, and Stillmark The Bermuda-regulated company offers Bitcoin-denominated life insurance, annuities, savings products, and insurance bonds where all premiums and claims are managed in BTC This funding brings Meanwhile’s total capital raised in [...] The post Bitcoin Life Insurance Company Meanwhile Lands $82M as Crypto Savings Demand Soars appeared first on CoinCentral.

Author: Coincentral

2025/10/08

Crypto News: S&P Crypto 50 Index Unveiled with One Key Limitation for Users

Crypto News: S&P Crypto 50 Index Unveiled with One Key Limitation for Users

S&P launches the Digital Markets 50 Index, blending 15 cryptocurrencies and 35 blockchain stocks with a 5% asset cap, debuting in tokenized form in 2025. S&P Dow Jones Indices has launched the new S&P Digital Markets 50 index, which blends cryptocurrencies and blockchain-related stocks. This hybrid index aims to provide investors with diverse exposure to […] The post Crypto News: S&P Crypto 50 Index Unveiled with One Key Limitation for Users appeared first on Live Bitcoin News.

Author: LiveBitcoinNews

2025/10/08

IREN and Kindly MD Convertible Note Deals Could Pressure Shares as Firms Eye Expanded Bitcoin Holdings

IREN and Kindly MD Convertible Note Deals Could Pressure Shares as Firms Eye Expanded Bitcoin Holdings

The post IREN and Kindly MD Convertible Note Deals Could Pressure Shares as Firms Eye Expanded Bitcoin Holdings appeared on BitcoinEthereumNews.com. Convertible note deals by IREN and Kindly MD raised a combined $1.125 billion and triggered negative trader reactions; investors cited dilution risk and venture-capital slowdown as drivers of the post-announcement stock declines. IREN: $875M convertible senior notes; after-hours share drop Kindly MD: $250M 5‑year convertible note with Antalpha; Bitcoin treasury expansion planned Market context: Galaxy Research reported a 59% quarter‑over‑quarter decline in VC funding and a 15% fall in deal count Convertible note deals: IREN and Kindly MD raises spooked traders — read the concise update and market context. Follow COINOTAG for more. { “@context”: “https://schema.org”, “@type”: “NewsArticle”, “headline”: “Convertible note deals: IREN and Kindly MD raise $1.125B; stocks fall”, “description”: “Convertible note deals by IREN and Kindly MD totaled $1.125 billion and led to after-hours share declines amid a slowdown in crypto venture funding.”, “datePublished”: “2025-10-08T12:00:00Z”, “dateModified”: “2025-10-08T12:00:00Z”, “author”: { “@type”: “Organization”, “name”: “COINOTAG” }, “publisher”: { “@type”: “Organization”, “name”: “COINOTAG”, “logo”: { “@type”: “ImageObject”, “url”: “https://en.coinotag.com/assets/logo.png” } }, “image”: “https://en.coinotag.com/uploads/2025-10/0199c241-7e46-76fc-97ce-1bfcef75d485”, “mainEntityOfPage”: { “@type”: “WebPage”, “@id”: “https://en.coinotag.com/articles/convertible-note-iren-kindlymd-2025-10-08” } } { “@context”: “https://schema.org”, “@type”: “FAQPage”, “mainEntity”: [ { “@type”: “Question”, “name”: “What were the sizes of the convertible note deals announced by IREN and Kindly MD?”, “acceptedAnswer”: { “@type”: “Answer”, “text”: “IREN announced an $875 million convertible senior note offering with an additional $125 million available for initial purchasers; Kindly MD (NAKA) disclosed a $250 million 5‑year convertible note with Antalpha.” } }, { “@type”: “Question”, “name”: “Why did traders react negatively to these convertible note deals?”, “acceptedAnswer”: { “@type”: “Answer”, “text”: “Traders cited dilution risk from stock conversion, potential pressure on share value, and a broader slowdown in crypto venture capital as reasons for the negative market reaction.” } }, { “@type”: “Question”, “name”: “How will Kindly MD use the proceeds from the financing?”, “acceptedAnswer”: { “@type”: “Answer”, “text”:…

Author: BitcoinEthereumNews

2025/10/08

Ripple CEO Identifies XRP Ledger’s Final Barrier to Massive Adoption by Big Banks ⋆ ZyCrypto

Ripple CEO Identifies XRP Ledger’s Final Barrier to Massive Adoption by Big Banks ⋆ ZyCrypto

The post Ripple CEO Identifies XRP Ledger’s Final Barrier to Massive Adoption by Big Banks ⋆ ZyCrypto appeared on BitcoinEthereumNews.com. Advertisement &nbsp &nbsp Ripple CEO Brad Garlinghouse has identified the defining factor for institutional adoption of the XRP Ledger (XRPL). In a recent exchange with an XRP validator known as Vet_X0, Garlinghouse was asked what would make institutions comfortable using XRPL for transactions. His one-word reply, ’privacy’ summed up the growing shift in Ripple’s strategy toward institutional integration.  The statement underscores a new focus for Ripple Over the past year, the company and XRPL developers have introduced a series of compliance-oriented upgrades. They aim to align the network with the security and regulatory standards expected by banks and corporations. However, Garlinghouse’s comment highlights what Ripple believes remains the missing piece: a privacy layer robust enough to protect sensitive institutional data without compromising regulatory compliance. Advertisement &nbsp With most recent updates already completed, only the privacy features and lending and borrowing functions remain to be added. XRP Institutional Adoption According to Vet, if Ripple manages to introduce privacy on the XRP Ledger using ZK-Rollups, it would make it possible to verify institutional transactions directly on-chain while handling computations off-chain. This setup could also allow institutions to receive secure on-chain credentials that support KYC and AML requirements. Additionally, they would be able to utilize decentralized exchanges and borrow against real-world collateral on-chain. Finally, Vet highlights that the upcoming XLS-101 smart contracts may serve as the crucial link for these developments. He describes them as essential for network security and as the “glue” that connects all existing system tools. Garlinghouse’s latest remarks confirm that privacy has become the central focus of Ripple’s institutional strategy for 2025 and 2026.  He described the goal as enabling confidentiality without secrecy. This ensures that transactions remain auditable for regulators while protecting competitive information from public view. Implications for XRP Ledger and Institutional Finance If successful, Ripple’s…

Author: BitcoinEthereumNews

2025/10/08

Based Eggman Draws Attention as Solana Struggles With Scalability

Based Eggman Draws Attention as Solana Struggles With Scalability

The post Based Eggman Draws Attention as Solana Struggles With Scalability appeared on BitcoinEthereumNews.com. Advertisement &nbsp &nbsp Disclaimer: The below article is sponsored, and the views in it do not represent those of ZyCrypto. Readers should conduct independent research before taking any actions related to the project mentioned in this piece. This article should not be regarded as investment advice. Crypto presales continue to shape discussions in the digital asset market, offering early access to projects with strong community engagement and functional use cases. These presale crypto opportunities often highlight the future direction of Web3 adoption. Based Eggman has gained traction as one of the best crypto presales, attracting users with its combination of DeFi, gaming, and meme culture. At the same time, Solana’s scalability issues and rising competition from other altcoins have raised concerns about its long-term market position. The contrast underscores how cryptocurrency presales and established blockchains reveal different aspects of innovation and adoption. Based Eggman: Community, Tokenomics, and Social Engagement Based Eggman is built on Base, Coinbase’s Layer 2 solution, providing speed, low fees, and accessibility for new participants entering Ethereum’s ecosystem. This design reduces technical barriers, making the project more inclusive for broader adoption. Advertisement &nbsp The $GGs token drives the ecosystem, with a max supply of 389 million tokens. It is used for liquidity, gaming, payments, minting, and gas fees, adding layers of functionality beyond speculation. The token’s integration into gaming events, leaderboards, and streaming services further deepens its role in the ecosystem. One of Based Eggman’s unique features is its in-built streaming service, creating a social-first layer where community members can interact across Telegram, Discord, and X. This constant engagement allows the project to grow in cultural relevance while maintaining a strong market presence. Early traction reflects its momentum as one of the best presale crypto projects. With $230,817.96 USDT raised and over 30.6 million $GGs…

Author: BitcoinEthereumNews

2025/10/08

Crypto Lending Surges 51% from 2021 Record, DeFi Controlling Popularity

Crypto Lending Surges 51% from 2021 Record, DeFi Controlling Popularity

The crypto lending market is witnessing an exponential increase in trading activity. According to on-chain metrics shared today by market analyst Token Terminal, trading volume in the crypto lending market has doubled from the high noted in 2021. As per the data reported by the analyst, the crypto lending market’s trading volume has climbed to $48 billion from a $23 billion record seen in 2021. The implication here is that although traditional money lending remains robust, a new alternative – crypto lending – is sharply gaining momentum. The digital currency continues to play a crucial function in the modern economy, with the data showing that crypto lending is increasingly becoming a popular option among mainstream investors. The size of the crypto lending market has doubled from 2021.But the interest to trade lending DAO tokens is at ~25% of the 2021 peak.Interesting. pic.twitter.com/TivsCszVW9— Token Terminal 📊 (@tokenterminal) October 7, 2025 Contributors to this Growth          As of today, October 7, 2025, the size of the crypto lending market has reached $48 billion, an increase of 51% from $23 billion noted in the fourth quarter of 2021. As stated in the metrics, the major contributor to this impressive growth is decentralized players. DeFi lending platforms currently hold 45.31% of the credit market compared to 34.57% controlled by centralized projects. These figures show substantial achievement, highlighting heightened appetite for decentralized lending and the rising maturity of the broader virtual credit market. The figures are a collective effort contributed by multiple crypto lending projects that have continuously innovated and broadened their products. Based on the data, crypto lending is experiencing increasing popularity due to its accessible, transparent, efficient, and open approach. Anyone with an internet connection can access loans without facing the bureaucratic delays associated with banks. With the DeFi’s peer-to-peer approach, borrowers gain access to loans without having to sell their holdings, while lenders earn passive income on their idle tokens.   Why Decentralizing Lending is Gaining Traction Another interesting development is that Coinbase’s lending app recently hit an achievement of $1 billion in loans, eight months after rolling out the service in January 2025. On October 1, 2025, the exchange disclosed that so far it has processed more than $1.003 billion in DeFi loans, with BTC serving as collateral. The development hints that many projects are embracing decentralized lending, a move away from CeFi lending. While crypto lending is theoretically safe, past misuse of funds by some centralized platforms shows that most investors prefer decentralized platforms, which are transparent. The surge of decentralized credit shows its capability to fill the gap left by CeFi’s decrease, indicating a new era for cryptocurrency lending where innovation, transparency, and caution coexist.

Author: Coinstats

2025/10/08

Cardano Could Soon See Major Stablecoin Launch According to Expert

Cardano Could Soon See Major Stablecoin Launch According to Expert

TLDR Gambardello teases upcoming stablecoin launch on Cardano soon. Cardano’s growing institutional interest could signal stablecoin arrival. No Tier-1 stablecoin has launched on Cardano yet despite rumors. Charles Hoskinson plans Ripple’s RLUSD stablecoin integration for Cardano. Dan Gambardello, a well-known Cardano advocate, has fueled speculation about a possible major stablecoin launch on the blockchain. In [...] The post Cardano Could Soon See Major Stablecoin Launch According to Expert appeared first on CoinCentral.

Author: Coincentral

2025/10/08

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