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Commodity Zero-Fee Gala

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.

14540 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
XRP Supply Shock Incoming As Axelar And Flare Target 8 Billion Tokens

XRP Supply Shock Incoming As Axelar And Flare Target 8 Billion Tokens

The post XRP Supply Shock Incoming As Axelar And Flare Target 8 Billion Tokens appeared on BitcoinEthereumNews.com. In a week dominated by deleveraging headlines, two interoperability- and DeFi-focused initiatives are attempting something far more structural in the XRP market: programmatic lock-ups of sizable chunks of circulating supply. Axelar’s new “mXRP” yield product has launched with the stated ambition—voiced by co-founder Georgios Vlachos in a recent X Space—of absorbing “$10 billion, 5% of the XRP circulating supply.” Flare Networks, in parallel, has articulated a goal of mobilizing up to 5 billion XRP onto its rails by mid-2026. If either target is approached, the near-term tradable float could tighten materially. Axelar is the freshest development. Midas, working with Interop Labs (a core Axelar developer), has introduced mXRP, a tokenized, yield-bearing representation of deposited XRP intended to route capital into on- and off-chain strategies while the underlying XRP is parked for strategy execution. Axelar’s public materials pitch mXRP as a way to bring “XRP-denominated yield strategies” to the XRPL and beyond; trade-press coverage has framed base yields up to ~8% at launch as liquidity turns on. Crucially, the scale discussion has moved from community speculation to a direct statement by leadership. During a recent X Space, Vlachos said the “goal is $10 billion, 5% of the XRP circulating supply,” a remark that has since been amplified by several market participants who joined or replayed the Space. Flare’s target is comparably explicit. In an interview segment widely clipped by crypto media, Flare co-founder and CEO Hugo Philion said he would “like to see Flare at five billion XRP by mid-2026”—an ambition tied to the network’s push to make FXRP wrapping, over-collateralized stablecoin loans, and a restaking stack (Firelight) usable across lending and liquidity protocols. Philion has framed the thesis as mobilizing “idle XRP” into yield-bearing roles, contingent on institutional-grade DeFi plumbing. So @axelar ‘s goal is to lock up 5% of…

Author: BitcoinEthereumNews

2025/09/24

ReserveOne Files With SEC as It Prepares $1B Nasdaq Merger

ReserveOne Files With SEC as It Prepares $1B Nasdaq Merger

The post ReserveOne Files With SEC as It Prepares $1B Nasdaq Merger appeared on BitcoinEthereumNews.com. Crypto News 24 September 2025 | 14:03 A new player in digital asset management is edging closer to Wall Street. ReserveOne, a firm modeled on the idea of a national Bitcoin reserve, has filed confidential paperwork with U.S. regulators as it prepares to go public through a merger. The filing, made on Form S-4 with the Securities and Exchange Commission, relates to ReserveOne’s planned tie-up with M3-Brigade Acquisition V Corp, a blank-check company. The deal, first flagged in July, targets a Nasdaq listing and could raise more than $1 billion, positioning ReserveOne among the largest crypto-related SPAC listings to date. Unlike traditional crypto platforms that revolve around exchanges and private wallets, ReserveOne intends to offer investors equity exposure to a basket of cryptocurrencies. The strategy is built around Bitcoin as its core holding, complemented by Ethereum, Solana, and other tokens. Earlier statements also pointed to income opportunities through institutional staking and lending. Leadership at the firm combines backgrounds in mining and institutional asset management. Jaime Leverton, who previously ran the Canadian Bitcoin miner Hut 8, will serve as CEO. She is joined by Sebastian Bea, a former head of Coinbase Asset Management, who will oversee investment strategy as president. ReserveOne has described its approach as a “digital asset treasury,” echoing the structure of sovereign reserves but in a public-market context. By holding and managing a mix of tokens directly, the firm aims to provide investors with streamlined access to crypto exposure without navigating wallets, custody, or direct trading. The company’s ambitions arrive at a moment when institutional demand for regulated crypto products is accelerating. If the merger proceeds as planned, ReserveOne could become one of the first asset managers to offer a publicly traded vehicle blending crypto treasury management with equity-market accessibility. The information provided in this article is for…

Author: BitcoinEthereumNews

2025/09/24

ReserveOne Seeks Nasdaq Listing in $1B Merger with M3-Brigade

ReserveOne Seeks Nasdaq Listing in $1B Merger with M3-Brigade

TLDR ReserveOne targets $1B IPO with M3-Brigade merger to lead in crypto asset management. ReserveOne’s merger aims for $1B, bringing diversified digital asset portfolio to Nasdaq. ReserveOne merges with M3-Brigade to offer institutional digital asset exposure. Former Hut 8 CEO leads ReserveOne’s $1B crypto-focused merger with M3-Brigade. ReserveOne plans Nasdaq debut, offering institutional crypto investments [...] The post ReserveOne Seeks Nasdaq Listing in $1B Merger with M3-Brigade appeared first on CoinCentral.

Author: Coincentral

2025/09/24

GOAT Foundation unveils tokenomics for $GOATED token launch

GOAT Foundation unveils tokenomics for $GOATED token launch

The post GOAT Foundation unveils tokenomics for $GOATED token launch appeared on BitcoinEthereumNews.com. The GOAT Foundation recently announced the details for its token generation event for $GOATED. The token is meant to support the network by serving as a reward mechanism and a governance token. Summary $GOATED will serve as both a governance tool and a reward mechanism within the Bitcoin ZKRollup GOAT Network Nearly 40% of the 1 billion $GOATED supply will go to the ecosystem’s mining rewards pool, while the remaining tokens will be allocated across team members, early supporters, the on-chain treasury, and community incentives such as airdrops. The Bitcoin ZKRollup GOAT Network has recently launched its own foundation to support the network in aiming to advance the Bitcoin ecosystem by scaling BTC performance and providing BTC yield while maintaining native BTC security. The independent entity has been dubbed the GOAT Foundation. Alongside the launch of GOAT Foundation, the network has revealed more details regarding the upcoming token generation event for its native token launch. Although the GOAT Foundation has yet to reveal an official release date, signs point to a release in the later half of 2025. According to the official announcement, the $GOATED token will be used to unlock key utilities across the GOAT network ecosystem. The token will be used for staking or locking to enhance BTC (BTC) yield rates, providing mining rewards and incentivizing developers among other use cases. In addition, $GOATED holders will be able to propose and vote on decisions regarding the GOAT Network. Stakers of $GOATED will also be able to increase their chances of being chosen to become sequencers, which directly earn them BTC transaction fees. This initiative is meant to incentivize users and node operators to engage with the $GOATED token. GOAT Foundation’s tokenomics for $GOATED The largest portion of $GOATED will be allocated to the GOAT ecosystem mining pool. Nearly…

Author: BitcoinEthereumNews

2025/09/24

Ether vs. Bitcoin Treasuries: Which Investment Strategy Reigns Supreme?

Ether vs. Bitcoin Treasuries: Which Investment Strategy Reigns Supreme?

Cryptocurrencies are increasingly becoming integral to the treasury strategies of both corporations and governments. While traditional reserves relied on cash, gold, and government bonds, more entities now see digital assets like Bitcoin and Ethereum as vital tools for inflation hedging, diversification, and liquidity in a rapidly evolving financial landscape. This shift underscores the growing maturity [...]

Author: Crypto Breaking News

2025/09/24

Fintech 3.0: Blockchain Eats the World

Fintech 3.0: Blockchain Eats the World

Author: Harj Taggar (YC), Jesse Pollak (Base) Compiled by Tim, PANews PANews Editor's Note: Y Combinator, a well-known Silicon Valley incubator in the United States, and crypto giant Coinbase have jointly launched a crypto entrepreneurship camp. This article is a "call for action" and hopes that more entrepreneurs will start on-chain development. The article mainly explains the current development of the crypto industry, such as how stablecoins and tokenized assets will penetrate people's lives, and also indicates the investment areas they are interested in. We believe the time is ripe for a shift to on-chain development. Over the past decade, the relevant tools have continued to develop, and with the emergence of low-gas public chains, the global circulation of stablecoins, an easy-to-use wallet ecosystem, and a growing user base, the infrastructure is finally in place. We've observed several key trends that are creating tremendous opportunities for developers worldwide. This starts with the fact that we are at the beginning of a new era in FinTech – FinTech 3.0. Fintech 1.0 was the initial digitization of the financial industry in the 1990s, driven by companies like PayPal. The key breakthrough during this period was the rise in consumer acceptance of online payment methods. Fintech 2.0, which took place over the past decade and was driven by companies like Stripe, Plaid, Brex, and Chime, is centered around building application programming interfaces (APIs) on top of the existing financial system. A key breakthrough in this phase was the emergence of banking-as-a-service providers, which enabled startups to innovate and develop on top of the legacy financial system. We are entering the FinTech 3.0 era. This era will see the financial system restructured with code, with payments and settlements delivered instantly around the clock around the world. User assets will be stored in digital wallets and fully controlled by individuals, and traditional banks will no longer be the only option for asset custody. For years, regulatory uncertainty has been a major obstacle to building Fintech 3.0. With the enactment of the GENIUS Act and the potential imminent introduction of the CLARITY Act, the US now has a clear regulatory framework for cryptocurrencies, enabling entrepreneurs to confidently build groundbreaking businesses on-chain. This represents the greatest opportunity for cryptocurrency startups in years, and Y Combinator and Coinbase are committed to providing funding and support to help you seize this opportunity. While the list below is by no means exhaustive, there are several key areas where we will be particularly focused and looking to invest. Stablecoins Stablecoins are the first major success story in the FinTech 3.0 era. Stablecoins are on-chain assets whose value is pegged to fiat currencies or assets like gold, designed to maintain price stability. As a payment tool, stablecoins offer significant advantages over traditional financial transactions, particularly in cross-border payments. Users can transfer stablecoins to anywhere in the world 24/7, at a cost of less than a cent, in less than a second, and without foreign exchange fees. This isn't just a theoretical assumption; trillions of dollars in stablecoins are already being used to settle payments in real time. People are already building stablecoin applications with millions of users. YC alumni companies like Kontigo, DolarApp, and Aspora are providing instant, low-cost payment and remittance services to millions of users across Latin America and South Asia. El Dorado, a platform for sending and receiving stablecoins in Latin America, backed by Coinbase Ventures, has processed $200 million in transactions for nearly 1 million users over the past year, demonstrating the region's growing demand for cryptocurrencies as a hedge against currency devaluation. This isn’t just an attempt by startups: Coinbase has just partnered with Shopify to launch an open-source commercial payment protocol that supports any traditional online business scenario and on-chain stablecoin payment processes. It combines all the advantages of crypto payments (lightning-fast settlement speeds and near-zero transaction fees) with the security and scalability of typical e-commerce functions (delay capture, final tax confirmation, and refund capabilities). Despite regulatory headwinds, the continued success of stablecoins demonstrates strong market demand for them. Following the successful passage of the GENIUS Act in the United States, stablecoin adoption is poised for explosive growth. This legislation creates a comprehensive federal regulatory framework for stablecoins, similar to that of the banking system. Since the GENIUS Act's enactment, the total stablecoin market capitalization has grown by over $30 billion, with major corporations such as Amazon and Walmart expressing interest in issuing their own stablecoins. There are many directions for development in the stablecoin space, but we are particularly interested in the following: Full access to stablecoins: Platforms that process payments, lending, and other financial services can achieve significant efficiency gains through stablecoins. Enabling businesses and consumers to transact seamlessly on these platforms will unlock significant value. Local currency stablecoins: Stablecoins pegged to local currencies allow citizens in countries with high inflation to reap the benefits of cryptocurrency without relying solely on the US dollar. Governments and consumers concerned about dollarization can use these stablecoins as the cornerstone of local payment, savings, and credit systems. Crypto-native businesses: With the emergence of the Commerce Payments protocol and other tools, merchants, lenders, and consumers will have the opportunity to process acceptance, credit, and payments in a crypto-native manner. This will open up new possibilities for serving customers, given the global nature of the platform. Tokenization and Trading The infrastructure that powers stablecoins can be used for any asset. This is what makes Fintech 3.0 truly fascinating. Through tokenization, we will fundamentally change the definition of assets and the range of holders. Tokenization involves representing real-world assets (such as government bonds, startup equity, art, or loans) as digital tokens on a blockchain. Its core value lies in making assets that have historically lacked liquidity and been monopolized by layers of middlemen accessible to anyone, anywhere, at any time. In reality, this might mean: Instead of waiting a month for a check, you can receive your share of the rental income of your properties in real time, every second. Rather than going through complicated paperwork to exercise your startup stock options, you could have a “live cap sheet” that converts your equity into programmable tokens that you actually own and can buy and sell freely on the open market. Instead of investing millions in private lending, you can simply purchase tokens that represent a portion of a decentralized loan portfolio. This is already happening. Mainstream institutions like JPMorgan Chase are bringing deposit tokens to the blockchain, while startups like Courtyard are tokenizing physical collectibles. We're also witnessing a wave of tokenization of new on-chain native assets like creator tokens and content tokens on platforms like Zora and Pump.fun. All of this is giving rise to a ton of new things: companies like Axiom, a YC alumnus, have become the fastest-growing YC alumnus we've ever seen. The core infrastructure is in place, and we are looking for founders to develop products that will bring all types of assets online. We are particularly interested in: New credit market: Lending protocols leverage on-chain identity and reputation to provide undercollateralized loans, providing funding to individuals and businesses overlooked by the traditional financial system. On-chain capital structuring: A tool for startups to raise funds directly from users, managing equity structure tables through programmable tokens, replacing the traditional model of spreadsheets and legal services. New trading front ends: The surge in assets presents new trading and investment opportunities for consumers and businesses. Applications and Agents On-chain technology also opens up new frontiers for applications and intelligent agents, unattainable in the previous internet era. Think of blockchain as a new operating system: a globally shared platform that makes application development an order of magnitude more efficient than traditional models. No single company holds a monopoly, and any developer can build products on it without permission. With its "money as software" nature, intelligent agents are inherently equipped to participate in this new economic landscape. We believe this will trigger a surge in new applications. Social, financial, collaborative, gaming—you name it. We're already seeing this trend with platforms like Base: you can use these apps to do everything from getting a loan instantly, to earning money while playing games, to supporting your favorite creators and earning money yourself. We believe these applications will also appear in chats in the form of agents. AI agents equipped with digital wallets will be super-empowered to help people participate in and navigate the rapidly growing global economy. They will simplify and improve the user experience, just as they do in other areas of commerce around the world.

Author: PANews

2025/09/24

Top 3 Altcoins Whales Are Buying Amid This Crypto Market Crash

Top 3 Altcoins Whales Are Buying Amid This Crypto Market Crash

The post Top 3 Altcoins Whales Are Buying Amid This Crypto Market Crash appeared first on Coinpedia Fintech News The cryptocurrency market faced a sharp sell-off over the past three days, wiping out weeks of gains and causing panic among traders. While some analysts call this a “sell the news” reaction following the Federal Reserve’s latest meeting, historical seasonal trends suggest this dip could create the perfect setup for a strong fourth-quarter crypto rally. …

Author: CoinPedia

2025/09/24

Exploring zkTLS As A Way To Build A Verifiable and Private Web3

Exploring zkTLS As A Way To Build A Verifiable and Private Web3

Today the world has become heavily digital-first even as AI and AI-adjacent integrations impact all our interactions and experiences. Privacy and security concerns have become more pressing now than ever before. Among the emerging technologies that address and try to deal with all this, Zero-Knowledge Transport Layer Security or zkTLS has caught the attention. Let’s take a deep dive. What is zkTLS? As the name suggests this is a hybrid protocol combining two components: zk: Refers to one of the most popular and highly effective privacy-preserving technique in use in blockchain technology — zero-knowledge proofs (ZKPs). It is a cryptographic method involving two parties, where the prover convinces the verifier that a piece of information is known without having to reveal it. TLS: Refers to a critical part of HTTPS (Hypertext Transfer Protocol Secure) providing encryption and authentication mechanisms to secure data transmission between client and server. Fun fact: Not all implementations of TLS attestations use ZKPs as focus is on verifiability rather than mere privacy, but still the name zkTLS has etched its name as one of crypto’s newest privacy primitives. Bottomline: In tandem with confidential computing, zkTLS enables data provenance and encryption, even tapping into previously unusable data. Oasis, with a focused privacy-first approach and production-ready confidential EVM, Sapphire, has been working with leading zkTLS projects, including PoCs, e.g. onboarding Reclaim Protocol with its ecosystem. How zkTLS works? In simple terms, it allows a user or a server to demonstrate that data fetched via a TLS-secured connection, like an API call to a bank’s server, is authentic, and no extra information is exposed in the process. So, zkTLS will generate a proof like zk-SNARK confirming that data was fetched from a specific server (identified by its public key and domain) via a legitimate TLS session, without exposing the session key or plaintext data. The process flow is something like this: The client and the server connect over TLS (“TLS handshake”), establishing a secure session with encryption and server authentication. zkTLS captures session details (e.g., encrypted data and server certificate) and processes them in a zk-SNARK circuit tailored to TLS constraints. The circuit output will produce the proof verifying the data’s authenticity and source, keeping sensitive details hidden. This proof is recorded on a blockchain for decentralized verification. Let’s now take a quick look at the models. MPC-based Here, zkTLS modifies the standard TLS handshake by introducing a network of nodes that collaborate to produce a multi-party key replacing the browser-generated key. With browser consulting these nodes to generate a shared key through an MPC protocol, it is ensured no single party knows the entire key. The shared key is used for encrypting and decrypting requests and responses as the browser and all nodes cooperate on every instances of operation. This model enhances security but the the trade-off is networking complexity and overhead due to persistent node coordination. TEE-based Here, zkTLS leverages Trusted Execution Environments — tamper-proof secure enclaves within CPUs that act like a black box and can securely handle HTTPS requests. All sensitive data such as authentication tokens are encrypted and sent to the service provider’s TEE, where decryption happens internally without any exposure to the provider or external systems. The TEE logs in on behalf of the user and securely processes the response, providing cryptographic guarantees about the integrity of the request and response. This model is very efficient but the trade-off is dependency on TEE hardware and trust reliance on manufacturer security, e.g. Intel SGX or TDX. Proxy-based Here, zkTLS uses HTTPS proxies as intermediaries which forward encrypted traffic between the browser and the website, and then observe the data exchange. It is the proxy that provides attestations about the encrypted requests and responses, confirming they originated from the browser or the website. Finally, the browser generates a ZKP allowing decryption of the received data, and since the shared key is not revealed, privacy is ensured. This model eliminates the trade-offs of the other two models but has its own challenge — having to trust that the proxy is not malicious. Key takeaways of zkTLS zkTLS is a game-changer for web3 and its implications are best understood when we understand the two-pronged problem is solves. For a web2 user, HTTPS means there is end-to-end encryption. However, this isn’t provable. Also, TLS itself is unverifiable. And, no privacy is guaranteed. zkTLS brings verifiability to the table as the proof it generates validates the data or its origin and verifies the transfer. Another benefit of this technology is data privacy. To those who are thinking this is just like pulling API data and putting it on-chain, the distinction is tangible. APIs can be easily disabled, but with an ongoing HTTPS connection, zkTLS ensures continuous data access. Simply stated, this enables any web2 data to be used on a blockchain in a verifiable and permissionless way. Key use cases of zkTLS in crypto DeFi Lending Real world example: 3Jane Identity Verification Real world example: Nosh Privacy-Preserving Oracles Real world example: TLS Notary Verifiable Airdrops Real world example: ZKON Final word on zkTLS is that its design space is vast and full of potential as it evolves by solving current challenges like scalability, compatibility with varied web systems, and dependence on existing oracle networks. But the promise is real as indicated by the various real world examples, already in production with many more being explored. And the result we have been seeing and, as the space grows and evolves, look forward to gives hope that web2 — web3 interactions between the internet and the blockchain would also drive mass adoption. Resources: Oasis blog Reclaim blog Oasis x Reclaim Originally published at https://dev.to on September 23, 2025. Exploring zkTLS As A Way To Build A Verifiable and Private Web3 was originally published in Coinmonks on Medium, where people are continuing the conversation by highlighting and responding to this story

Author: Medium

2025/09/24

Why Is XRP Price Down, And Which Top Crypto Are Investors Accumulating Today?

Why Is XRP Price Down, And Which Top Crypto Are Investors Accumulating Today?

$XRP dips under $3 as selling pressure rises, while investors pivot to Mutuum Finance ($MUTM), a $16.2M presale at $0.035 with utility and growth momentum.

Author: Blockchainreporter

2025/09/24

Native USDC & CCTP V2 Land on Plume to Supercharge Institutional RWA Adoption

Native USDC & CCTP V2 Land on Plume to Supercharge Institutional RWA Adoption

Plume has launched native USDC and CCTP V2, enabling seamless cross-chain transfers and regulated stablecoin settlement for institutions.

Author: Blockchainreporter

2025/09/24

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