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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.

14461 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
XRP News: DBS Taps RLUSD to Boost Liquidity for Tokenization

XRP News: DBS Taps RLUSD to Boost Liquidity for Tokenization

The post XRP News: DBS Taps RLUSD to Boost Liquidity for Tokenization appeared on BitcoinEthereumNews.com. XRP News: Asia’s largest bank, DBS Group Holdings, announced on 18 Sep 2025 that it has partnered with asset manager Franklin Templeton and blockchain firm Ripple Labs to offer new trading and lending solutions on the XRP Ledger. DBS said the memorandum of understanding was signed in Singapore and targets accredited and institutional investors. For context, a survey cited by DBS found nearly 87% of institutional investors expect to allocate to digital assets by 2025. Under the deal, investors can swap tokenized shares of Franklin Templeton’s U.S. dollar money market fund (token symbol sgBENJI) for Ripple’s USD stablecoin RLUSD. This move aims to boost liquidity and market efficiency. The listing allows 24/7 portfolio rebalancing into stable assets with yield. For XRP News readers, the takeaway is that this bridges regulated stablecoins with tokenized fund shares. XRP News: DBS Lists Franklin Templeton’s sgBENJI Token With Ripple’s RLUSD XRP News readers can see that DBS Digital Exchange (DDEx) has listed sgBENJI – the token for Franklin Templeton’s on-chain U.S. Dollar Short-Term Money Market Fund – alongside RLUSD. This pairing lets accredited investors trade between a dollar stablecoin and a cash-equivalent fund 24/7. The underlying money market fund holds about $736 million in short-term government securities. According to DBS, trading RLUSD for sgBENJI lets investors lock in principal and earn yield during volatile periods. As per reports, listing sgBENJI and RLUSD allows 24/7 portfolio rebalancing into stable assets while still generating yield. On-chain fund transactions settle in minutes – a big change from legacy funds that trade in multi-day windows. For XRP News readers, Franklin Templeton highlighted the XRP Ledger’s speed and low transaction fees as key benefits. The sgBENJI token will be issued on the public XRP Ledger. By adding the XRPL to its blockchain platforms, Franklin Templeton increases interoperability for tokenized…

Author: BitcoinEthereumNews

2025/09/18

The Next “Big Story” in Crypto: Crypto Credit and Borrowing, Says Bitwise CEO

The Next “Big Story” in Crypto: Crypto Credit and Borrowing, Says Bitwise CEO

Bitwise CEO has recently predicted a major growth for the crypto borrowing and credit sector, calling it the next “big story.” The post The Next “Big Story” in Crypto: Crypto Credit and Borrowing, Says Bitwise CEO appeared first on Coinspeaker.

Author: Coinspeaker

2025/09/18

Circle Unveils Cross-Chain Transfer Protocol V2 on Stellar, Expanding USDC Interoperability

Circle Unveils Cross-Chain Transfer Protocol V2 on Stellar, Expanding USDC Interoperability

Circle announced that its Cross-Chain Transfer Protocol (CCTP) V2 is coming to the Stellar network, improving interoperability for USDC, the world’s leading regulated stablecoin. The upgrade will allow users to seamlessly transfer USDC between Stellar and more than 15 other blockchains, including Ethereum, Solana, and Base, unlocking deeper liquidity and wider use cases for the Stellar ecosystem. Seamless Cross-Chain Liquidity Historically, users faced challenges when moving USDC across different blockchains, often relying on custodial bridges or Circle accounts. Liquidity was fragmented, making it difficult to dynamically manage assets between ecosystems. With CCTP V2, Stellar becomes natively interoperable with every other CCTP-enabled blockchain. This integration allows USDC liquidity to flow freely, providing exchanges, wallets, and DeFi protocols with more efficient access. For decentralized exchanges (DEXs), this means better rates for traders, while centralized exchanges (CEXs) can consolidate liquidity rather than maintaining isolated pools. Programmable Transfers for Developers CCTP V2 isn’t just about liquidity—it also introduces programmability. Developers can embed cross-chain USDC transfers directly into their decentralized applications (dApps), enabling seamless integration with the Stellar network. Projects can even include metadata within transfers that can trigger autonomous actions on the destination chain via Hooks, opening up new possibilities for automation and innovation. By building on top of CCTP V2, developers can leverage Stellar’s strengths—fast, low-cost payments and robust offramping options—without having to design complex multi-chain liquidity strategies. This creates a unified development experience across chains and accelerates the adoption of cross-chain finance. Eliminating Bridge Risk with Native Transfers A key innovation of CCTP V2 is its 1:1 burning and minting process. Instead of relying on wrapped tokens or custodial intermediaries, USDC is burned on the source chain and minted natively on the destination chain. This model eliminates bridge risk, improves transaction security, and ensures settlement can occur in seconds. For users and businesses, this means simpler, safer, and faster movement of capital across chains. The efficiency of this model also boosts confidence for institutions that require predictable liquidity and compliance-grade infrastructure. Strengthening Stellar’s Global Payments Role The Stellar network already powers global payments with low fees, near-instant settlement, and a network of 475,000+ MoneyGram locations for fiat on- and off-ramps. With CCTP V2, Stellar extends its role in cross-border finance by linking directly to the broader multichain USDC ecosystem. This upgrade makes Stellar a hub for stablecoin liquidity while enabling new financial applications, from treasury management to cross-chain lending. As programmable money gains traction, CCTP V2 ensures Stellar remains at the forefront of innovation, bridging traditional payments with the multichain future

Author: CryptoNews

2025/09/18

Now is the Time for Active Management in Digital Assets

Now is the Time for Active Management in Digital Assets

The post Now is the Time for Active Management in Digital Assets appeared on BitcoinEthereumNews.com. The digital asset market has entered a new phase, one that is more diverse and institutionally engaged than ever before. We are in an era where execution matters more than exposure; where performance hinges not on passive participation, but on how capital is deployed, risk is managed, and alpha is extracted across an increasingly fragmented and complex market. Innovation is moving faster than index construction. Structural inefficiencies, cross-market dislocations, and credit dynamics are accelerating even as macro conditions remain stable. Recent ETF flows illustrate this shift: in mid-August, U.S. spot ETFs recorded more than $1 billion in a single day of net inflows, led by $640 million into BlackRock’s ETHA and $277 million into Fidelity’s FETH, pushing total ETH ETF assets above $25 billion. U.S. spot Bitcoin ETFs show similarly active capital rotation, with daily flows swinging between inflows, $614 million on August 8, 2025, and sharp outflows in the days following. Meanwhile, derivatives growth has become a defining feature of market structure with open interest on CME Bitcoin futures hitting a record ~$57 billion, highlighting deeper institutional participation. Crypto derivatives now account for approximately 70-80% of global trading volumes. These movements, alongside the growth of on-chain credit, the derivatives complex and the rise of BTC/ETH-denominated funds, underscore that this is a market defined by tactical allocation and active positioning. Today’s opportunities demand depth, precision, and a multi-dimensional understanding of both the traditional and digital asset market. The most compelling opportunities are uncovered by managers who can operate seamlessly across centralized and decentralized exchanges, in spot, derivatives, and credit. These are not directional trades riding sentiment; they are high-conviction strategies grounded in an expert understanding of the evolving market structure of digital assets, executed with rigor and speed across fragmented venues. Structural tailwinds are reinforcing the setup for active capital…

Author: BitcoinEthereumNews

2025/09/18

RLUSD at Center of New Trading and Lending Alliance

RLUSD at Center of New Trading and Lending Alliance

The post RLUSD at Center of New Trading and Lending Alliance appeared on BitcoinEthereumNews.com. Fintech 18 September 2025 | 15:17 Global finance took another step toward tokenisation this week as Ripple unveiled a three-way collaboration with Singapore’s DBS and U.S. asset manager Franklin Templeton. The initiative combines Ripple’s RLUSD stablecoin with tokenised securities, opening up new trading and lending possibilities for large investors. Rather than focusing on crypto speculation, the project is pitched as infrastructure. Franklin Templeton will make its sgBENJI money market fund available in tokenised form, while DBS Digital Exchange will list it next to RLUSD. For the first time, institutional traders will be able to swap between a yield-bearing fund and a dollar-backed stablecoin in real time, creating a mechanism to rebalance portfolios without stepping outside the ecosystem. Why it matters This setup introduces a way for investors to toggle between safety and yield without the friction of moving funds back into traditional systems. DBS also plans to accept sgBENJI as collateral for credit lines and repo agreements, with the bank acting as custodian for pledged assets. The result could be a smoother pipeline for accessing liquidity while maintaining exposure to tokenised instruments. The strategic layer Ripple has been steadily positioning RLUSD as more than just another stablecoin. Earlier in September, the company announced plans to bring the token into African financial networks, targeting banks and enterprises in need of digital dollar liquidity. Now, with Franklin Templeton and DBS on board, RLUSD gains credibility in mainstream markets. Franklin Templeton will issue sgBENJI directly on the XRP Ledger, citing its low fees and high throughput. This move deepens the ledger’s role in hosting tokenised funds, strengthening interoperability across the ecosystem. Industry voices Executives backing the project have framed it as a turning point. DBS chief Lim Wee Kian argued that financial markets operating around the clock demand solutions designed for constant access…

Author: BitcoinEthereumNews

2025/09/18

Ripple, DBS, Franklin Templeton Unveil RLUSD DeFi Integration

Ripple, DBS, Franklin Templeton Unveil RLUSD DeFi Integration

The post Ripple, DBS, Franklin Templeton Unveil RLUSD DeFi Integration appeared on BitcoinEthereumNews.com. Ripple partners with DBS and Franklin Templeton to launch RLUSD-backed trading and lending solutions for institutional investors.   Ripple has teamed up with DBS and Franklin Templeton to launch a new trading and lending platform powered by Ripple’s RLUSD stablecoin. This collaboration aims to create a more efficient financial ecosystem for institutional investors.  Through this partnership, clients can now use RLUSD and tokenized money market funds to manage portfolios and access liquidity in real-time. New Partnership Brings Real-Time Trading and Lending Solutions In a recent press release, Ripple revealed a partnership with DBS and Franklin Templeton, set to bring innovative trading and lending solutions to the financial market.  The partnership involves the listing of Franklin Templeton’s tokenized money market product, sgBENJI. Additionally, it is alongside Ripple’s RLUSD on the DBS Digital Exchange (DDEx).  This offers institutional clients the ability to trade between RLUSD and yield-bearing tokens in real-time. Besides, it also enables easy portfolio rebalancing, allowing clients to earn returns during market fluctuations. The collaboration also explores lending opportunities where clients can pledge sgBENJI tokens as collateral to access liquidity. DBS will serve as the custodian for these pledged assets and facilitate repos and credit lines through the bank or third-party platforms. RLUSD Stablecoin Enhances Portfolio Management Ripple’s RLUSD stablecoin plays a central role in this collaboration, providing investors with a solution for managing volatility while earning yields.  By using RLUSD, clients can easily switch between stable, cash-like holdings and yield-generating products. This provides a way to mitigate risk and enhance returns, particularly in volatile market conditions. Franklin Templeton’s decision to issue sgBENJI on the XRP Ledger further boosts the project’s credibility. The XRP Ledger’s high throughput, low costs, and reliability make it an ideal platform for issuing tokenized securities.  This move also enhances the interoperability of digital securities, helping…

Author: BitcoinEthereumNews

2025/09/18

XRP and PEPE Are Range-Bound for Now, Traders Call Another Token With at Least 20x ROI Potential

XRP and PEPE Are Range-Bound for Now, Traders Call Another Token With at Least 20x ROI Potential

The post XRP and PEPE Are Range-Bound for Now, Traders Call Another Token With at Least 20x ROI Potential appeared on BitcoinEthereumNews.com. XRP remains the go-to token for institutional adoption, and PEPE remains a top name in the meme arena, yet both are stuck trading in narrow ranges. Traders scanning crypto charts see little momentum in either for now, and the question of is crypto a good investment is being asked with fresh urgency. Analysts argue that investors who want outsized returns will need to look beyond range-bound majors and memes. This month, one name has repeatedly been mentioned as the next breakout candidate: Mutuum Finance (MUTM). Why Traders Are Pivoting to MUTM Mutuum Finance (MUTM) is being described as the project that blends strong mechanics with an undervalued presale entry point. Instead of relying on hype alone, the protocol is being built around lending and borrowing systems backed by overcollateralization, automatic liquidation triggers, and a governance-driven stablecoin model. These features are designed to serve not just retail users but also institutions seeking reliability. The presale has already reflected that momentum. Phase 6 has raised $15.90 million with tokens priced at $0.035. With 42% of this stage already complete and over 16,400 holders joining in, urgency is increasing ahead of the next phase, when the price will climb to $0.040—a 15% lift for those entering earlier. For many traders, the presale is answering the crypto investment question by offering both discounted entry and a clear roadmap. Trust and stability are also core to the project’s design. Mutuum Finance (MUTM) will use Chainlink-powered oracle feeds with fallback aggregators to ensure accurate price discovery, even during market stress. This prevents manipulations and ensures liquidations and borrowing valuations remain fair. Calibrated loan-to-value ratios and liquidation triggers further protect users, striking a balance between risk and efficiency. Enhanced collateral efficiency is another driver that analysts believe will accelerate growth. By allowing higher borrowing limits relative to…

Author: BitcoinEthereumNews

2025/09/18

Mutuum Finance completes audit, launches $50k bug bounty

Mutuum Finance completes audit, launches $50k bug bounty

Mutuum Finance raises over $16m in presale after passing a CertiK audit with a strong security score. #partnercontent

Author: Crypto.news

2025/09/18

DBS Bank to accept tokenized $736M fund for repo collateral as RLUSD goes live on DDEx

DBS Bank to accept tokenized $736M fund for repo collateral as RLUSD goes live on DDEx

The post DBS Bank to accept tokenized $736M fund for repo collateral as RLUSD goes live on DDEx appeared on BitcoinEthereumNews.com. Ripple is expanding its role in digital asset infrastructure through a new partnership with DBS Bank and Franklin Templeton, according to a Sept. 18 announcement. According to the firm, the collaboration introduces trading and lending tools built around tokenized collateral and stablecoins, marking a push to bridge traditional markets with blockchain-based liquidity. The initiative is anchored on DBS Digital Exchange (DDEx), which will now list Ripple’s US dollar stablecoin (RLUSD) alongside sgBENJI, the tokenized version of Franklin Templeton’s OnChain US Dollar Short-Term Money Market Fund. This pairing allows institutional clients to exchange stable assets directly, providing both portfolio flexibility and yield opportunities not typically available in volatile crypto markets. Instead of allocating funds to Bitcoin, Ethereum, or XRP, where sharp price movements arguably erode value, clients can rotate into sgBENJI and maintain round-the-clock liquidity. These firms’ executives have framed this development as a step forward in institutionalizing tokenized securities. Ripple President Monica Long noted that tokenized assets must offer utility and liquid secondary markets to achieve their potential. She pointed to this collaboration as an example of how stablecoins and tokenized funds can work together to provide practical financial infrastructure. Franklin Templeton to expand to XRP Ledger Franklin Templeton is preparing to expand its token interoperability by launching sgBENJI on the XRP Ledger. Roger Bayston, Head of Digital Assets at Franklin Templeton, emphasized that tokenization can “reshape the global financial ecosystem” and highlighted the role of the blockchain network in unlocking new use cases for securities trading. According to RWA.xyz data, the fund is already live on seven other blockchains, including Stellar, Arbitrum, and Base, and currently manages more than $736 million in tokenized assets. The integration with the XRP Ledger is expected to push adoption further and strengthen cross-chain functionality. At the same time, DBS is preparing to allow…

Author: BitcoinEthereumNews

2025/09/18

Traders Debate What Crypto to Invest in as BTC Is Expensive At $115K; MUTM Quietly Targets 23x Growth

Traders Debate What Crypto to Invest in as BTC Is Expensive At $115K; MUTM Quietly Targets 23x Growth

Bitcoin (BTC) has stormed past $115,000, and headlines across the market reflect this milestone. While it reinforces BTC’s status as the top store of value, traders are asking a sharper question: what crypto to invest in next? With the crypto fear and greed index flashing extreme levels, attention is shifting toward assets that still allow [...] The post Traders Debate What Crypto to Invest in as BTC Is Expensive At $115K; MUTM Quietly Targets 23x Growth appeared first on Blockonomi.

Author: Blockonomi

2025/09/18

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