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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.

14494 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Flare Unveils First XRP-Backed Stablecoin, Boosting XRP’s Utility

Flare Unveils First XRP-Backed Stablecoin, Boosting XRP’s Utility

The post Flare Unveils First XRP-Backed Stablecoin, Boosting XRP’s Utility appeared on BitcoinEthereumNews.com. According to Flare Network, there’s now a stablecoin backed with XRP running on Enosys Liquity V2. The announcement coincides with a new milestone for the XRP Ledger. Enosys Brings Liquity V2 to Flare, Unlocking XRP Stablecoin The upgrade results in increased liquidity of XRP on the blockchain and expands its utility in the decentralized finance space. Initially, the stablecoin will be pegged to XRP on Flare (FXRP) with the Wrapped Flare token (wFLR) as collateral. Holders can then transfer staked XRP (stXRP ) and other tokenized assets to Flare (FAssets). This system operates on the model of a Collateralized Debt Position. Thus, users have the opportunity to lock their digital assets and mint a stablecoin. The first XRP-backed stablecoin comes to @FlareNetworks with @enosys_global Loans ☀️ → Launching with FXRP and wFLR, then stXRP and other FAssets→ Backed by Collateralized Debt Positions (CDPs) mechanism→ @LiquityProtocol V2 friendly fork + Stability pools + FTSO-powered… pic.twitter.com/ehK8lbGuXl — Flare ☀️ (@FlareNetworks) September 19, 2025 The design integrates core Liquity features, including decentralized pricing from Flare’s decentralized oracle system, known as the Flare Time Series Oracle (FTSO). The Enosys Liquity V2 is an autonomous borrowing system built on Liquidity Protocol version 2. Liquity previously used Ethereum as collateral, but Enosys has now reworked its use on Flare with XRP. This approach has already seen adoption, with Everything Blockchain tapping Flare’s XRP DeFi framework for its crypto treasury. Users can lock their assets in XRP and create stablecoins. This is made possible through Locked Asset Loans, Safety Funds, and Blockchain Price Feeds. Using these methods ensures that the stablecoin remains secure, transparent, and reliable. Stablecoin Creates Greater Value as XRPL Accounts Surpass 7 Million With the introduction of this model on Flare, Enosys has launched the first on-chain debt protocol that works with XRP as…

Author: BitcoinEthereumNews

2025/09/20

New $0.035 Token Named Best Crypto to Buy in 2025 as Cardano (ADA) Lacks Momentum for $3 Return

New $0.035 Token Named Best Crypto to Buy in 2025 as Cardano (ADA) Lacks Momentum for $3 Return

Cardano (ADA) has long been a top performer, but with momentum fadings and its $3 return losing steam, investors’ attention has turned elsewhere. The new Mutuum Finance (MUTM), a DeFi token with a future headlining as the top crypto to invest in 2025 is the one attracting attention. Mutuum Finance can be purchased at $0.035 […]

Author: Cryptopolitan

2025/09/20

Bitcoin Outlook Dips and AVAX DeFi Growth Fuels Investor Hype While BullZilla Leads the Top 100x Crypto Presales in 2025

Bitcoin Outlook Dips and AVAX DeFi Growth Fuels Investor Hype While BullZilla Leads the Top 100x Crypto Presales in 2025

A deep dive into Bitcoin's long-term forecast 2025, Avalanche DeFi growth, and the explosive BullZilla presale. Explore the top 100x crypto presales in 2025 and learn why these projects could define the next cycle of crypto wealth.

Author: Blockchainreporter

2025/09/20

Bitcoin Price Jumps on Fed Rate Cut Odds — MAGACOIN FINANCE Emerges as Best Crypto Presale

Bitcoin Price Jumps on Fed Rate Cut Odds — MAGACOIN FINANCE Emerges as Best Crypto Presale

Bitcoin is performing well and hopes that the U.S. Federal Reserve will cut rates remain high. At the time of writing, Bitcoin was trading at $115,866, and its price had surged almost 5% in the last week. The coin has not fallen below its 20-day and 50-day EMAs, and its technicals are strong, though the […]

Author: Cryptopolitan

2025/09/20

Aave active loans hit record $30.5B, commanding 65% of DeFi lending market

Aave active loans hit record $30.5B, commanding 65% of DeFi lending market

The post Aave active loans hit record $30.5B, commanding 65% of DeFi lending market appeared on BitcoinEthereumNews.com. Aave reached $30.5 billion in active loans on Sept. 18, representing 65% of the $46.72 billion in total active loans across decentralized protocols. Data from Token Terminal shows that the lending protocol maintains a comfortable lead over competitors. Its nearest rival, Morpho, holds less than $5 billion in active loans. Aave also commands a total value locked (TVL) of $42 billion, making it the largest DeFi protocol by TVL, based on DefiLlama data. The deposit figures would position Aave as the 53rd largest US commercial bank if it operated under traditional banking structures, placing it among the top 2.5% of US commercial banks based on June 30 regulatory data. Aave running hot The protocol generated $24.6 million in fees over the past seven days, ranking it fifth-largest crypto protocol when considering centralized stablecoin issuers Tether and Circle. Among purely decentralized protocols, Aave ranks third in weekly fee generation, only lagging behind Pump.fun and Uniswap. Users access Aave for multiple purposes beyond basic lending. The protocol serves as a liquidity source for traders seeking leverage, as they utilize assets from their holding positions to borrow additional capital. By using holdings to acquire more liquidity, traders leverage their positions fully on-chain. Additionally, holders seek yield on their dormant assets, and investors pursue higher returns than traditional finance offers. Yield advantage Yield advantages over traditional banking attract significant capital to the protocol. Aaverank shows USDC deposits on Base earn 5.76% APY through Aave, substantially exceeding the 0.39% average offered by FDIC-insured banks. Similar premiums exist across networks and stablecoins, with Ethereum USDC yielding 5.12% and Avalanche USDC providing 5.03% returns. At the same time, USDT on Ethereum generates 5.09% through Aave compared to traditional bank averages, while alternative networks like Linea offer 3.94% on USDT deposits. These rates consistently outperform conventional banking products while maintaining…

Author: BitcoinEthereumNews

2025/09/20

Unveiling Meta AR: Crucial AI Safety Measures Emerge Amidst Tech Regulation Challenges

Unveiling Meta AR: Crucial AI Safety Measures Emerge Amidst Tech Regulation Challenges

BitcoinWorld Unveiling Meta AR: Crucial AI Safety Measures Emerge Amidst Tech Regulation Challenges In the rapidly evolving landscape of digital innovation, the lines between the physical and virtual continue to blur. This week, the tech world buzzes with significant developments, from Meta’s ambitious augmented reality (AR) ventures confronting real-world hurdles to California’s renewed focus on artificial intelligence (AI) safety. For those deeply invested in the future of technology and digital economies, these shifts signal crucial implications for how we interact with technology, manage data, and navigate the regulatory maze. Join us as we unpack the latest on Meta AR, AI, robotics, and the ever-present hand of regulation that shapes our digital destiny. Meta AR: Unpacking Reality’s Ambitious Journey Meta’s vision for the metaverse, heavily reliant on sophisticated augmented reality (AR) and virtual reality (VR) technologies, has been a cornerstone of its strategic direction. The company has invested billions into its Reality Labs division, aiming to create immersive digital experiences that seamlessly blend with our physical world. However, as with any groundbreaking endeavor, the path is fraught with challenges. What Challenges Does Meta AR Face in the Real World? Technological Hurdles: Developing lightweight, powerful AR glasses that can project convincing digital overlays onto the real world, offer wide fields of view, and boast all-day battery life remains a monumental engineering task. Miniaturization, display technology, and processing power are still evolving. User Adoption: Convincing a broad consumer base to embrace AR glasses as a daily accessory requires overcoming social stigmas, comfort issues, and demonstrating compelling use cases beyond gaming or niche professional applications. The ‘killer app’ for widespread AR adoption is still emerging. Economic Viability: The significant R&D costs and the high price point of early AR devices pose a challenge to mass market accessibility. Achieving economies of scale and reducing manufacturing costs are critical for profitability. Privacy Concerns: AR devices, especially those with cameras and sensors constantly scanning the environment, raise profound privacy questions. How user data is collected, stored, and utilized will be a major point of contention and regulation. Despite these hurdles, Meta continues to push forward, understanding that the long-term potential of AR could redefine communication, commerce, and entertainment. The company’s persistent efforts in developing devices like the Quest series and future AR glasses demonstrate a firm belief in the eventual triumph of their Meta AR vision, even if the ‘reality’ of market readiness takes longer than initially projected. Why is AI Safety Becoming a Priority? California’s Renewed Focus As artificial intelligence becomes increasingly sophisticated and integrated into every facet of our lives, the imperative for robust AI safety measures grows stronger. California, often at the forefront of technological and regulatory trends, is once again taking a serious look at how to ensure AI systems are developed and deployed responsibly. What Does ‘AI Safety’ Entail, and Why is it Critical Now? AI safety refers to the field dedicated to ensuring that AI systems do not cause unintended harm, behave predictably, and remain aligned with human values and intentions. This includes preventing: Bias and Discrimination: AI models trained on biased data can perpetuate or amplify societal inequalities in areas like hiring, lending, or criminal justice. Misinformation and Manipulation: Advanced generative AI can create highly realistic fake content (deepfakes) that can be used for malicious purposes, eroding trust and stability. Autonomous System Failures: As AI powers self-driving cars, drones, and potentially more critical infrastructure, ensuring these systems operate without catastrophic errors is paramount. Job Displacement and Economic Disruption: While not a direct safety issue in the traditional sense, the societal impact of AI on labor markets requires careful consideration and policy responses. California’s renewed attention highlights a growing consensus among policymakers and tech leaders that proactive measures are necessary. This often involves developing ethical guidelines, establishing regulatory frameworks, and funding research into explainable AI, robust AI, and value alignment. The discussions around AI safety are not just about preventing catastrophe, but about building public trust and ensuring that AI serves humanity beneficially. Robotics Innovation: Beyond the Hype and Towards Practicality The field of robotics continues to advance at an incredible pace, moving beyond industrial arms on assembly lines to sophisticated machines capable of complex tasks in diverse environments. From autonomous delivery robots to surgical assistants, robotics innovation is reshaping industries and daily life. Where is Robotics Innovation Making the Biggest Impact? Sector Key Innovations & Impact Challenges Logistics & Warehousing Autonomous mobile robots (AMRs) for sorting, picking, and transporting goods, dramatically increasing efficiency and reducing labor costs. Integration with existing infrastructure, safety protocols for human-robot interaction. Healthcare Surgical robots for precision procedures, rehabilitation robots, and automated drug delivery systems improving patient care and operational efficiency. High cost, regulatory approval, ethical considerations for patient autonomy. Agriculture Robots for precision planting, harvesting, and crop monitoring, optimizing resource use and yield. Operating in unstructured outdoor environments, power sources, cost for small farms. Service Industry Cleaning robots, hospitality robots (e.g., serving food), and delivery robots enhancing customer experience and operational scalability. Public acceptance, complex navigation in dynamic human environments, maintenance. The convergence of AI, advanced sensors, and improved mechanical engineering is fueling this surge in robotics innovation. While the spectacle of humanoid robots often captures headlines, the true impact is being felt in more practical, specialized applications that automate repetitive, dangerous, or precise tasks, freeing up human workers for more creative and strategic roles. However, as robots become more autonomous, discussions around their ethical deployment and integration into society become increasingly important. Navigating the Complexities of Tech Regulation With rapid advancements in AI, AR, and robotics, the need for effective tech regulation has never been more pressing. Governments globally are grappling with how to foster innovation while protecting citizens’ rights, ensuring fair competition, and mitigating potential risks. This is a delicate balancing act, as overly restrictive regulations can stifle progress, while insufficient oversight can lead to harm. What are the Key Areas of Focus for Tech Regulation? Data Privacy: Regulations like GDPR in Europe and CCPA in California set standards for how personal data is collected, processed, and stored, impacting everything from personalized ads to AI training. Antitrust and Competition: Governments are scrutinizing the market dominance of large tech companies, investigating potential monopolistic practices and their impact on innovation and consumer choice. Content Moderation: Debates rage over platforms’ responsibilities for harmful content, misinformation, and hate speech, leading to calls for greater accountability and transparency. AI Ethics and Governance: Beyond safety, regulations are beginning to address the ethical implications of AI, including transparency, accountability, and the prevention of algorithmic bias. Cybersecurity: With increased reliance on digital infrastructure, regulations aim to strengthen cybersecurity defenses, mandate reporting of breaches, and protect critical systems. The challenge for tech regulation is to be agile enough to keep pace with technological change, yet robust enough to provide meaningful oversight. This often involves international cooperation, as technology transcends national borders, and a willingness to adapt regulations as new challenges and opportunities arise. The impact of these regulations can be profound, shaping business models, investment decisions, and the very trajectory of technological development. What Does This Mean for Future Tech and the Digital Economy? The interplay between Meta’s AR ambitions, the urgent calls for AI safety, the continuous march of robotics innovation, and the evolving landscape of tech regulation paints a vivid picture of our digital future. These aren’t isolated trends; they are deeply interconnected forces that will collectively shape the next generation of digital economies, including the burgeoning Web3 space. The convergence of these technologies promises a future where digital and physical realities are increasingly intertwined. Imagine decentralized autonomous organizations (DAOs) operating within AR environments, or AI-powered robots facilitating transactions on blockchain networks. However, this future also demands a proactive approach to governance and ethics. The lessons learned from the current push for AI safety and robust tech regulation will be invaluable in building a more secure, equitable, and sustainable digital world. For individuals and businesses alike, understanding these dynamics is crucial. It means being prepared for new forms of digital interaction, new types of data privacy challenges, and new opportunities for innovation that align with evolving societal expectations and regulatory frameworks. The decisions made today regarding these technologies will profoundly impact the digital experiences and economic structures of tomorrow. A Glimpse into Tomorrow: Navigating the Digital Frontier The journey into the future of technology is exhilarating yet complex. From Meta’s audacious quest to redefine human interaction through AR to California’s determined stance on AI safety, and the relentless march of robotics innovation met by the growing necessity of comprehensive tech regulation, we are witnessing a pivotal era. The conversations on podcasts like Equity, featuring experts like Anthony Ha, Kirsten Korosec, and Max Zeff, are more than just discussions; they are vital signposts guiding us through this intricate landscape. As these technologies mature, their impact on our daily lives, our economies, and our understanding of reality will only deepen. Staying informed, engaged, and critically aware of these developments is not just for tech enthusiasts, but for anyone looking to thrive in the inevitable digital future. To learn more about the latest AI market trends, explore our article on key developments shaping AI features and institutional adoption. This post Unveiling Meta AR: Crucial AI Safety Measures Emerge Amidst Tech Regulation Challenges first appeared on BitcoinWorld.

Author: Coinstats

2025/09/20

Pepe Coin (PEPE) and This $0.035 DeFi Coin Are the Cryptos to Hold in Your 2025 Portfolio for 10x Returns

Pepe Coin (PEPE) and This $0.035 DeFi Coin Are the Cryptos to Hold in Your 2025 Portfolio for 10x Returns

While Pepe Coin (PEPE) continues to be a short-term performer with meme hype, investors are concerned with projects with more deep-seated fundamentals for 2025. Mutuum Finance (MUTM), a new Decentralised Finance token, is selling at $0.035 in phase 6 of its presale. On the back of an adoption-ready lending and borrowing protocol, Mutuum Finance is […]

Author: Cryptopolitan

2025/09/20

Leaked Code Reveals MetaMask Is Launching In-Wallet Perpetuals Trading using Hyperliquid

Leaked Code Reveals MetaMask Is Launching In-Wallet Perpetuals Trading using Hyperliquid

MetaMask, the widely used self-custodial crypto wallet, appears set to integrate perpetuals trading directly within its interface through a partnership with Hyperliquid, a fast-growing decentralized derivatives platform. Code updates on MetaMask’s public GitHub repository suggest that the feature is under active development, with references to a new “Perps” trading screen and deposit functionality enabling users to fund perpetual futures accounts in USDC. Leaked Code Hints at MetaMask–Hyperliquid Integration Ahead of Token2049 The development points to a major expansion of MetaMask’s offerings. Currently serving more than 30 million monthly active users, the wallet has long been a gateway for decentralized applications. By embedding perpetuals trading within its interface, MetaMask would allow users to trade leveraged derivatives without leaving the wallet environment, mirroring the seamless experience traditionally offered by centralized exchanges. Hyperliquid, which MetaMask is preparing to integrate, specializes in high-performance perpetual futures trading. Built on its own Layer 1 blockchain, the platform has positioned itself as a leader in decentralized derivatives by offering gas-free transactions and fully on-chain settlements. Its custom HyperEVM architecture supports more than 200,000 orders per second while maintaining transparent order books, a model designed to deliver the speed of centralized platforms while retaining the security of decentralized infrastructure. The leaked GitHub code provides further detail on the integration process. A pull request merged in July added a USDC deposit flow for Hyperliquid’s perpetuals, including minimum deposit requirements, real-time gas fee estimates, slippage tracking, and transaction confirmations. Testing instructions indicated that users could initiate deposits from within the MetaMask wallet, verify fee breakdowns, and receive status updates until successful completion. The timing of the rollout appears close. Developers hinted at a launch in the coming weeks, with speculation that MetaMask could formally announce the feature at Token2049 in September during a Hyperliquid-hosted event. The integration would coincide with Hyperliquid’s rapid rise in the derivatives sector. The exchange recently reported $383 billion in monthly trading volume and $106 million in revenue for August, a 23% increase from July. DefiLlama data shows its annualized revenue now exceeds $1.162 billion, with cumulative perpetual trading volume reaching $2.57 trillion. Hyperliquid has captured an estimated 70% share of the DeFi perpetuals market, consistently outperforming both decentralized and smaller centralized rivals. Its lean operational model relies on automation and smart contracts, enabling the platform to process $330.8 billion annually with a workforce of only 11 employees. For comparison, PayPal employs nearly 29,000 people to handle $1.6 trillion, while Visa’s 28,000 employees process $13 trillion. The exchange’s growth has also been driven by institutional adoption. Partnerships with Anchorage Digital Bank for custody services and Circle for native USDC deployment have helped attract larger players. The decentralized exchange recently slashed spot trading fees by 80%, in a move designed to boost liquidity and deepen its hold over the decentralized finance (DeFi) derivatives market. If confirmed, the MetaMask integration would mark a pivotal step in bringing advanced derivatives trading into mainstream decentralized finance. For MetaMask’s vast user base, it could eliminate the need to rely on centralized venues while further cementing Hyperliquid’s position as a dominant force in crypto derivatives. MetaMask Prepares for Long-Awaited Token Launch After Lubin Confirmation MetaMask’s long-discussed token launch appears closer than ever after Consensys CEO Joseph Lubin confirmed this week that “the Mask token is coming” and could arrive sooner than expected. The Ethereum co-founder linked the rollout to efforts to decentralize parts of the MetaMask platform. The remarks mark the strongest signal yet of an imminent launch, following years of speculation dating back to 2021, when Lubin teased “Wen $MASK?” on social media. Co-founder Dan Finlay had previously suggested a token could be introduced under favorable market conditions, emphasizing that any issuance would be promoted directly inside the wallet. MetaMask has recently expanded its product suite. In July, it partnered with Mastercard and Baanx to release a crypto debit card, offering users direct spending options. On August 6, a governance proposal outlined plans for MetaMask USD (mmUSD), a native stablecoin built with Stripe’s payment rails. The token is expected to launch on Ethereum and Consensys’ Linea network on August 21, supporting DeFi integrations for lending, borrowing, and liquidity. The wallet also unveiled a social login feature on August 27, allowing accounts to be recovered via Google or Apple credentials without compromising self-custody. The function, built on technology from Web3Auth, addresses one of the biggest hurdles for mainstream users by eliminating the risks tied to lost seed phrases. Together, the initiatives suggest MetaMask is positioning itself as more than just a wallet but as a complete financial gateway for decentralized services

Author: CryptoNews

2025/09/20

Crypto in a Crisis: Assets That Could Protect Wealth in a Recession

Crypto in a Crisis: Assets That Could Protect Wealth in a Recession

Analysts explore which crypto assets may protect wealth during a potential recession.

Author: Blockchainreporter

2025/09/20

Miran says he doesn’t see tariffs causing inflation, putting him in minority on Fed committee

Miran says he doesn’t see tariffs causing inflation, putting him in minority on Fed committee

The post Miran says he doesn’t see tariffs causing inflation, putting him in minority on Fed committee appeared on BitcoinEthereumNews.com. Federal Reserve Governor Stephen Miran said Friday that he doesn’t anticipate President Donald Trump’s tariffs will have an inflationary impact on the U.S. economy. “I’m clearly in the minority in not being concerned about inflation from tariffs,” he said on CNBC’s “Money Movers.” “But that was also true in 2018-2019, and I think I probably could take a little victory lap about that.” “There will always be relative price changes, but whether or not it’s inflation that’s macroeconomically significant of the type that monetary policy should respond to is a different question,” he added. His comments come after the Fed governor was the lone dissenter among 12 FOMC voters from the central bank’s decision Wednesday to slash its benchmark overnight lending rate by a quarter percentage point, instead calling for a half-point reduction. When explaining the reason for his decision, Miran said that he doesn’t “see any material inflation from tariffs.” “I see no evidence that it’s occurred,” the policymaker said, pointing to the lack of difference in inflation rates between import-intensive core goods and overall core goods. “If you thought tariffs are driving inflation higher, you’d think imports would be differentially inflating at a higher pace.” Miran additionally cited “no discernible trend difference” between U.S. core goods inflation and that in other countries. “If I thought that tariffs were driving any material inflation in the United States, I’d look for evidence,” he continued. However, most measures show inflation running above the Fed’s 2% target this year, and the full committee’s forecast indicated it won’t come back to that level until 2028. Looking ahead to the second half of the year, Miran expects growth to come in stronger, as he said that economic headwinds such as uncertainty around Trump’s trade and tax policies caused growth in the first half to…

Author: BitcoinEthereumNews

2025/09/20

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