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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.

14526 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
XRP Price Prediction: Ripple Holders Wait on $5 in 2025, But This Coin Below $0.0025 Could Turn $550 Into $55,000

XRP Price Prediction: Ripple Holders Wait on $5 in 2025, But This Coin Below $0.0025 Could Turn $550 Into $55,000

For some cryptocurrency investors, presale tokens are looking like a more compelling bet than established assets such as Ripple’s XRP. While some XRP holders are holding for $5 in 2025, altcoins with smaller price tags offer more aggressive short- to mid-term multipliers. Little Pepe (LILPEPE) is one such presale, with LILPEPE being a meme token […]

Author: Cryptopolitan

2025/09/22

XRP Steps Up in DeFi with mXRP Launch: Will It Meet Expectations?

XRP Steps Up in DeFi with mXRP Launch: Will It Meet Expectations?

TLDR Midas has launched the mXRP token in collaboration with Axelar and Interop Labs to expand XRP’s DeFi utility. The mXRP token offers XRP holders yields of up to 8% through tokenized exposure to on-chain and off-chain strategies. The token is launched on the XRPL EVM through audited smart contracts, fully integrating it into the [...] The post XRP Steps Up in DeFi with mXRP Launch: Will It Meet Expectations? appeared first on CoinCentral.

Author: Coincentral

2025/09/22

Ripple advances institutional finance strategy with lending and privacy tools

Ripple advances institutional finance strategy with lending and privacy tools

PANews reported on September 22nd, according to Blockworks. In its roadmap released on Monday, Ripple stated that it is accelerating its institutional finance strategy, rolling out a series of compliance and credit tools while preparing to launch a native lending protocol later this year. Currently, three compliance features—credentials, deep freezes, and simulations—are already live. Credentials link to decentralized identities, helping issuers verify user attributes; deep freezes prevent the transfer of funds from sanctioned accounts; and simulations allow developers to test transactions without recording them, expanding the compliance toolkit. The upcoming lending protocol will introduce pooled lending and insured credit, enabling institutions to obtain low-cost, compliant loans and offering profit opportunities to smaller investors. The XRPL community will also develop zero-knowledge proofs in the future, and a confidential multi-purpose token, launched in early 2026, will enable collateral management without disclosing sensitive data. This roadmap demonstrates Ripple's ambition to establish XRPL as a leading blockchain for institutional finance. Its institutional adoption hinges on its ability to balance regulatory compliance with secure scalability.

Author: PANews

2025/09/22

Crypto.com Data Breach Shows Why You Need a Crypto Wallet like Best Wallet Now More than Ever

Crypto.com Data Breach Shows Why You Need a Crypto Wallet like Best Wallet Now More than Ever

The post Crypto.com Data Breach Shows Why You Need a Crypto Wallet like Best Wallet Now More than Ever appeared on BitcoinEthereumNews.com. Crypto News 22 September 2025 | 16:14 A new report links Crypto.com’s alleged breach to Scattered Spider, renewing concerns over exchange transparency. Here’s why apps like Best Wallet matter. Bloomberg just dropped a bombshell linking Crypto.com to a breach carried out by the Scattered Spider hacker collective, a group infamous for social-engineering attacks on big corporations. Investigators traced the intrusion back to Noah Urban, a Florida teenager who tricked employees into handing over credentials and later pleaded guilty to wire fraud. Crypto.com insists the fallout was minor, affecting only a ‘small number’ of individuals and, crucially, no customer funds. Still, the revelation has reignited a heated debate: can you really trust exchanges to be upfront about security incidents? Transparency gaps make it clear that the real risk isn’t just losing coins, but having your data exposed. That’s why more people are shifting toward self-custody. And with wallets like Best Wallet combining security tech with real utility, it’s becoming easier to protect both your assets and privacy. What Happened at Crypto.com Investigators say Noah Urban, just 20 years old, played the role of a ‘caller’ inside the Scattered Spider collective. His job was to impersonate IT staff, phish employees, and coax them into handing over credentials. Source: Bloomberg (@business) on X With that access, the crew slipped into internal systems, part of a spree that hit more than 200 companies through SIM swaps, phishing campaigns, and even data stolen from UPS records. Authorities eventually seized $4.8M in crypto from Urban’s devices and tied him to at least $25M in damages. A U.S. court ordered $13M in restitution to dozens of victims, and last month sentenced Urban to 10 years in prison. Crypto.com, meanwhile, maintains that the breach was limited. The exchange says it disclosed the incident to regulators, only a ‘very…

Author: BitcoinEthereumNews

2025/09/22

The Gravity of a System: Decoding Vitalik’s Thesis in an Era of Technical and Market Maturation

The Gravity of a System: Decoding Vitalik’s Thesis in an Era of Technical and Market Maturation

Introduction: The Declaration in the Quiet In the fog of a market oscillating between institutional adoption and retail speculation, Vitalik Buterin’s latest post, “Low-risk defi can be for Ethereum what search was for Google,” lands not as a proposal, but as a declaration of an achieved reality. To interpret this piece as a mere suggestion for future focus is to miss its profound significance. It is the intellectual framework laid over a new equilibrium that has been slowly, methodically materializing for years, forged in the twin crucibles of a maturing market and a relentlessly evolving protocol. This analysis will not re-litigate Buterin’s arguments at length; they are elegant and self-evident. Instead, we will treat his thesis as a lens through which to examine the powerful, tangible forces that make his declaration not just plausible, but inevitable. We will argue that Vitalik’s post is the capstone on a structure built by the market’s “flight to quality,” and made possible by a technical roadmap that is aggressively shaping Ethereum into the global settlement layer for both human and machine economies. Concisely, Buterin posits that the long-standing tension between Ethereum’s revenue-generating applications (often speculative) and its value-aligned ones (often unprofitable) has been resolved. The synthesis is “Low-Risk DeFi” — a suite of foundational financial tools like payments, savings via fully-collateralized lending, and exchange. He analogizes this to Google’s economic model: just as Search and Ads provide the stable revenue that allows Google to pursue its more ambitious goals, Low-Risk DeFi can and should be the boringly profitable engine that funds Ethereum’s security and allows its experimental applications to flourish. This model works, he argues, because it provides irreplaceable value in a world of rising traditional finance risk, and it is culturally and technically congruent with the L1’s mission of decentralized security. I: The Technical Preconditions — How the 2025–2026 Roadmap Forged the Rails Before the market could embrace Low-Risk DeFi, the rails had to be laid. Buterin’s thesis is only viable today because the underlying technology has been deliberately engineered to support it. The Ethereum roadmap of 2025–2026 is a masterclass in strategic infrastructure development, focused on three pillars: enabling mass-market scale, perfecting the user experience, and expanding the very definition of “settlement.”

  1. The Scalability Endgame: Pectra and Fusaka The core of Buterin’s argument is that Low-Risk DeFi requires a robust L1 for security, but its user-facing activity must occur on Layer 2s to be economically viable. The 2025 hard fork schedule is a direct and aggressive execution of this vision.
Pectra (Q2 2025): This upgrade continues the vital work of embedding Account Abstraction (AA) deeper into the protocol. For Low-Risk DeFi to onboard the next billion users, the experience must be seamless and secure. Pectra’s enhancements are critical steps in transforming the arcane process of managing a private key into a user-friendly experience with familiar features like social recovery and gas sponsorship. It’s the infrastructure for making DeFi as accessible as a neobank. Fusaka (Q4 2025): Confirmed for December 3rd, the Fusaka hard fork is the most significant step in “The Surge” phase. Its primary impact is the projected doubling of blob capacity, which directly translates to a significant reduction in transaction costs on L2s like Arbitrum and Optimism. This isn’t an incremental improvement; it’s a step-change in economic feasibility. It makes micro-payments and regular savings deposits — the lifeblood of a global financial system — orders of magnitude cheaper, making the “global democratized access” promise a practical reality.
  1. The Settlement Layer Expands: From Crypto Assets to Bank Deposits Perhaps the most potent validation of the thesis is the successful cross-bank payment test conducted on the Ethereum mainnet by UBS, PostFinance, and Sygnum Bank. Using deposit tokens — fully regulated, 1:1 backed digital representations of commercial bank money — they achieved compliant interbank settlement without traditional payment rails. This proves that Ethereum’s utility is not confined to its native assets. It is being actively tested as the neutral, programmable infrastructure for the tokenization of all forms of value, positioning it as a potential backbone for the future of the entire banking system.
  2. The Next Frontier: Ethereum as the Settlement Layer for AI Looking further ahead, the newly formed DAI (Decentralized AI) Team within the Ethereum Foundation signals the next logical evolution. Led by core developer Davide Crapis, its mission is to make Ethereum the premier platform for the burgeoning machine economy. Proposals like ERC-8004 (Trustless Agents) aim to create on-chain standards for AI agents to interact and transact. This radically expands the potential user base beyond humans, ensuring that the Low-Risk DeFi infrastructure being built today will serve as the financial bedrock for the autonomous economies of tomorrow. II: The Market’s Verdict — How the 2025 Price Action Confirms the Thesis With the technical rails in place, the market has responded. The character of demand in the current cycle is fundamentally different from the speculative frenzies of the past. Ethereum’s trajectory — recovering from post-bear market lows around ~$1,350 to over $4,400 by August 2025 — is underpinned by a structural “flight to quality” and a demand for sustainable, native yield.
  3. The ETF Effect: Institutional Capital Seeks a Productive Asset The initial spot Ether ETFs were just the beginning. The financial innovation of 2025, such as the Defiance Leveraged Long + Income Ethereum ETF (ETHI), demonstrates a deeper integration. This product, which uses complex option strategies to generate income, treats ETH not just as a commodity, but as a versatile, productive financial primitive. This deepens institutional demand beyond simple spot exposure and creates a feedback loop, requiring more on-chain liquidity and strengthening the core DeFi protocols.
  4. The Primacy of Native Yield: Staking and Re-staking as the Gravity Well The yield that matters in 2025 is the sustainable, protocol-native yield from staking ETH. This has become the “risk-free” rate of the crypto economy. Platforms like Lido and, more critically, re-staking protocols like EigenLayer, have become behemoths not by creating artificial incentives, but by providing more efficient access to this fundamental, low-risk yield. Billions of dollars in ETH are locked for a long-term, sustainable return, representing a structural demand for ETH as a savings and collateral asset.
  5. Collateral Demand in a High-Rate Environment ETH serves as the primary asset used to borrow stablecoins on platforms like Aave, Compound, and MakerDAO. Users are borrowing to gain liquidity without selling their core holding, a classic financial maneuver. The health of these overcollateralized lending markets — the very heart of Low-Risk DeFi — is a direct driver of demand for ETH. The more utility these platforms provide, the more ETH is required as collateral, creating a powerful, reflexive demand. In summary, the 2025 bull market is quieter, more structural, and driven by a demand for the very things Buterin highlights: secure savings, reliable collateral, and institutional-grade access. The market itself has voted, and it has voted for Low-Risk DeFi. III: The “Stable Core” Protocols — Manifestations of the New Equilibrium Given this alignment of market demand and technical readiness, the “Stable Core” Buterin refers to comes into sharp focus. These are the entities that are both the cause and the effect of this maturation.
Lending & Savings Platforms (Aave, Compound): The primary venues where the demand for yield on stablecoins and the use of ETH as collateral are expressed. Decentralized Stablecoin Issuers (MakerDAO): The decentralized central bank of the ecosystem, fundamental to the entire system’s health. Core Exchange Infrastructure (Uniswap, Curve): The essential liquidity rails that enable the seamless flow of value required by a global payments and savings system. Liquid Staking & Re-staking Protocols (Lido, EigenLayer): The “asset managers” of the new era, providing efficient access to ETH’s native yield and unlocking new layers of security and innovation. These are not the flashy, high-APY protocols of yesteryear. They are the emerging financial utilities of a new, more stable on-chain economy. They are the concrete manifestations of a system that has found its gravitational center. Conclusion: A Thesis of Inevitability Vitalik Buterin’s latest post is powerful not because it charts a new course, but because it provides the definitive map for a course the ship is already on. The convergence of institutional demand for a productive digital asset, a technical roadmap focused on creating a secure and scalable modular system for all forms of value, and the battle-hardening of a core set of financial protocols has created a new reality. Low-Risk DeFi has become Ethereum’s economic engine out of strategic necessity and market evolution. It is the most logical and sustainable use case for a credibly neutral, globally accessible settlement layer. By articulating this so clearly, Buterin has not only given the Ethereum community a proud and honorable narrative but has also sent a clear signal to the wider world: the era of chaotic speculation is giving way to an era of profound, sustainable utility. The search for a viable economic model is over. The era of building a truly global financial system on top of it has just begun. The Gravity of a System: Decoding Vitalik’s Thesis in an Era of Technical and Market Maturation was originally published in Coinmonks on Medium, where people are continuing the conversation by highlighting and responding to this story

Author: Medium

2025/09/22

Strive ($ASST) Acquires Semler ($SMLR) In Landmark Bitcoin Treasury Deal

Strive ($ASST) Acquires Semler ($SMLR) In Landmark Bitcoin Treasury Deal

The post Strive ($ASST) Acquires Semler ($SMLR) In Landmark Bitcoin Treasury Deal appeared on BitcoinEthereumNews.com. On September 22, 2025, two Bitcoin For Corporations (BFC) members announced a transformative move in the evolution of corporate Bitcoin adoption. Strive, Inc. (Nasdaq: ASST), an Executive Member of BFC, entered into a definitive agreement to acquire Semler Scientific, Inc. (Nasdaq: SMLR), a Premier Member of BFC, in an all-stock transaction. The deal represents one of the first major consolidations between publicly traded Bitcoin treasury companies, signaling a new phase of maturity in this emerging asset class. For corporations, capital allocators, and market observers, this merger underscores how Bitcoin is no longer a peripheral balance sheet entry — it is becoming the foundation for strategic growth, capital structure innovation, and shareholder value creation. Deal Snapshot The transaction delivers a 210% premium to Semler Scientific shareholders, with each Semler share exchanged for 21.05 Strive Class A shares. Alongside the merger announcement, Strive revealed the purchase of 5,816 Bitcoin for $675 million, at an average price of $116,047 per Bitcoin, bringing its treasury to 5,886 Bitcoin. Upon closing, the combined company will control more than 10,900 Bitcoin, placing it firmly among the largest corporate holders globally. Leadership continuity is assured, with Strive’s management and Board of Directors remaining in place, and Semler’s Executive Chairman, Eric Semler, joining Strive’s board. Strategic Capital Innovation One of the most compelling aspects of this deal lies in Strive’s declared capital strategy. Unlike debt-driven accumulation models pioneered by Strategy (formerly MicroStrategy), Strive intends to rely exclusively on perpetual preferred equity to finance Bitcoin purchases. This “preferred equity only” model is designed to eliminate the refinancing risks that accompany traditional debt maturities. By sidestepping the need to roll over debt in volatile markets, Strive is positioning itself as a more stable, long-term accumulator of Bitcoin. Comparisons highlight just how differentiated corporate Bitcoin strategies are becoming. Strategy has leaned…

Author: BitcoinEthereumNews

2025/09/22

Crypto.com Breach Sparks Fresh Warnings: Why Best Wallet Beats Exchange Custody

Crypto.com Breach Sparks Fresh Warnings: Why Best Wallet Beats Exchange Custody

Bloomberg just dropped a bombshell linking Crypto.com to a breach carried out by the Scattered Spider hacker collective, a group […] The post Crypto.com Breach Sparks Fresh Warnings: Why Best Wallet Beats Exchange Custody appeared first on Coindoo.

Author: Coindoo

2025/09/22

Why This Cheap Crypto Could Outshine Solana in Gains, Delivering Millionaire Returns In Months

Why This Cheap Crypto Could Outshine Solana in Gains, Delivering Millionaire Returns In Months

The post Why This Cheap Crypto Could Outshine Solana in Gains, Delivering Millionaire Returns In Months appeared on BitcoinEthereumNews.com. A cheap crypto is emerging as one of the best cryptos to buy now, and it could soon rival Solana in returns. Mutuum Finance (MUTM) is running its presale, already drawing investor demand with a fast-rising price.  Phase 6 is currently underway at $0.035, up 250% from the first phase at $0.01. So far, $16,150,000 has been raised, with 16,470 holders joining since the presale began.  The token is selling out quickly, and once Phase 7 opens, the price will climb 14.3% to $0.04 before launching at $0.06. Early buyers are set to lock in 371% gains after launch, making this new crypto coin a rare opportunity in 2025. Solana Testing Critical Resistance Solana has been forming a three-year technical structure resembling a cup and handle. It is now pressing against its neckline in the $245–$250 range, where a breakout could set new targets of $500 and even $1,000. Analysts note the 50-week moving average is showing strength, and the RSI near 60 is supporting the upward bias. Moreover, institutional demand is strengthening confidence. Forward Industries recently bought 6.82 million SOL, equal to 1.26% of total supply, a stake bigger than the next three holders combined. This kind of activity is keeping Solana in focus on crypto charts and drawing attention in crypto news today. However, despite this structure, caution remains. Solana’s past rallies often followed steep retracements, showing why crypto investing carries both opportunity and risk.  Some traders warn that external pressures such as regulation, liquidity constraints, or sudden macro shifts can sway crypto prices. Consequently, even though Solana may post sharp moves, the challenge for long-term investors is maintaining gains through volatile cycles. Mutuum Finance Presale Momentum Mutuum Finance (MUTM) is now capturing interest for being the best cheap crypto to buy now. Unlike tokens that rely only…

Author: BitcoinEthereumNews

2025/09/22

The Twin-Token Phenomenon: How XRP Tundra Silently Disrupted Cryptocurrency Presale Models

The Twin-Token Phenomenon: How XRP Tundra Silently Disrupted Cryptocurrency Presale Models

Cryptocurrency presales have often relied on loud marketing campaigns, one-dimensional tokens, and promises that rarely materialize. While some generated initial hype, many collapsed under unsustainable models or weak utility, leaving investors wary of new launches. XRP Tundra has taken another route. Its twin-token presale, now in Phase 2 at $0.028, combines Solana’s DeFi capacity with […]

Author: Tronweekly

2025/09/22

8 Best High-Risk High-Reward Cryptos to Buy Now

8 Best High-Risk High-Reward Cryptos to Buy Now

The crypto market in late 2025 is full of chances to make big gains, but also big risks. Meme coins, presale tokens, and other speculative projects can shoot up fast when hype builds, sometimes giving early buyers huge returns.  At the same time, these tokens can drop just as quickly, and many new projects fail […]

Author: The Cryptonomist

2025/09/22

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