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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.

14423 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
How to Earn Passive Crypto Income with Stablecoins in 2025

How to Earn Passive Crypto Income with Stablecoins in 2025

The post How to Earn Passive Crypto Income with Stablecoins in 2025 appeared on BitcoinEthereumNews.com. Key takeaways Yield-bearing stablecoins include treasury-backed, DeFi and synthetic models. US and EU law ban issuer-paid interest; access is often restricted. Rebases and rewards are taxed as income when received. Risks remain: regulation, markets, contracts and liquidity. The search for passive income has always driven investors toward assets like dividend stocks, real estate or government bonds. In 2025, crypto adds another contender: yield-bearing stablecoins. These digital tokens are designed not just to hold their value against the dollar but also to generate a steady income while sitting in your wallet. But before rushing in, it’s important to understand what these stablecoins are, how the yield is produced and the legal and tax rules that apply. Let’s break it down step-by-step. What are yield-bearing stablecoins? Traditional stablecoins such as Tether’s USDt (USDT) or USDC (USDC) are pegged to the dollar but don’t pay you anything for holding them. Yield-bearing stablecoins are different: They automatically pass on returns from underlying assets or strategies to tokenholders. There are three major models in use today: Tokenized treasuries and money market funds: These stablecoins are backed by safe assets like short-term US Treasurys or bank deposits. The yield from those holdings is distributed back to the tokenholders, often by increasing the token balance or adjusting its value. Put simply, you could think of them as blockchain-wrapped versions of traditional cash-equivalent funds. Decentralized finance (DeFi) savings wrappers: Protocols like Sky (previously MakerDAO) allow users to lock stablecoins, such as Dai (DAI), into a “savings rate” module. When wrapped into tokens like sDAI, your balance grows over time at a rate set by the protocol’s governance. Synthetic yield models: Some innovative stablecoins, such as those powered by derivatives strategies, generate yield from crypto market funding rates or staking rewards. Returns can be higher but also fluctuate depending…

Author: BitcoinEthereumNews

2025/09/16

Helius (HSDT) Soars 200% on $500M Raise for SOL Treasury

Helius (HSDT) Soars 200% on $500M Raise for SOL Treasury

The post Helius (HSDT) Soars 200% on $500M Raise for SOL Treasury appeared on BitcoinEthereumNews.com. Helius Medical Technologies (HSDT) announced on Monday it’s raising more than $500 million in a private financing round to create a Solana-focused treasury company. The vehicle will hold SOL, the native token of the Solana blockchain, as its reserve asset and aims to expand to more than $1.25 billion via stock warrants tied to the deal, the press release said. The financing was led by Pantera Capital and Summer Capital, with participation from investors including Animoca Brands, FalconX and HashKey Capital. Shares of the firm rallied over 200% above $24 in pre-market trading following the announcement. Solana was down 4% over the past 24 hours. The firm is joining the latest wave of new digital asset treasuries, or DATs, with public companies pivoting to raise funds and buy cryptocurrencies like bitcoin BTC$115,350.66, ether (ETH) or SOL. Helius is set to rival with the recently launched Forward Industries (FORD) with a $1.65 billion war chest backed by Galaxy Digital and others. That firm confirmed on Monday that has already purchased 6.8 million tokens for roughly $1.58 billion last week. Helius’ plan is to use Solana’s yield-bearing design to generate income on the holdings, earning staking rewards of around 7% as well as deploying tokens in decentralized finance (DeFi) and lending opportunities. Incoming executive chairman Joseph Chee, founder of Summer Capital and a former UBS banker, will lead the firm’s digital asset strategy alongside Pantera’s Cosmo Jiang and Dan Morehead. “As a pioneer in the digital asset treasury space, having participated in the formation of the strategy at Twenty One Capital (CEP) with Tether, Softbank and Cantor, Bitmine (BMNR) with Tom Lee and Mozayyx as well as EightCo (OCTO) with Dan Ives and Sam Altman, we have built the expertise to set up the pre-eminent Solana treasury vehicle,” Cosmo Jiang, general partner…

Author: BitcoinEthereumNews

2025/09/16

American Express Launches Digital Travel Stamps On Blockchain

American Express Launches Digital Travel Stamps On Blockchain

The post American Express Launches Digital Travel Stamps On Blockchain appeared on BitcoinEthereumNews.com. Key Highlights American Express launches blockchain travel stamps with no market value Digital stamps offer travelers unique souvenirs linked to journeys New app features also include AI tools and premium lounge upgrades American Express Brings Blockchain to Travel Memories American Express has added a new feature to its travel app: digital “travel stamps” designed to create lasting memories of customer journeys. The stamps are issued on Ethereum and minted as ERC-721 tokens on Coinbase’s Base network. Unlike typical NFTs, these stamps are not tradable or tied to loyalty rewards. Instead, Amex sees them as digital souvenirs, a way for cardholders to document their travels in a modern and personal format. Colin Marlow, vice president of new partnerships at Amex Digital Labs, explained the idea: “It’s technically an NFT, but we don’t present it that way. We wanted people to see these as stamps that naturally fit into the travel experience.” No Market Value but Long-Term Potential Travelers receive digital stamps whenever they use their Amex card, but the tokens are not designed for sale and carry no monetary value. Instead, American Express hopes the concept can evolve into something larger. “We weren’t looking to sell tokens or chase quick profits,” Marlow said. “The goal is to make the travel experience richer and more memorable.” The company also sees opportunities for future partnerships that could expand the utility of the stamps. More Than Just Stamps Alongside the stamps, the updated Amex app now includes enhanced planning tools and new features for Centurion Lounge users. This comes after American Express announced in May 2023 that it would integrate artificial intelligence into services ranging from fraud detection to credit limit adjustments and customer sentiment analysis. By blending AI-driven services with blockchain-backed travel keepsakes, Amex is positioning its app as both a financial tool…

Author: BitcoinEthereumNews

2025/09/16

Dogecoin (DOGE) Jumps 30% in a Week, But Investors Are Taking Profits and Moving to This Cheaper Crypto for Higher Returns

Dogecoin (DOGE) Jumps 30% in a Week, But Investors Are Taking Profits and Moving to This Cheaper Crypto for Higher Returns

Dogecoin (DOGE) might have risen by 30% in the last week, sparking renewed passion for meme coins, but data from on-chain indicates traders are selling out and transferring capital. A growing share of that liquidity is pouring into Mutuum Finance (MUTM), a quickly emerging decentralized finance (DeFi) protocol that’s gaining traction among investors seeking more […]

Author: Cryptopolitan

2025/09/16

Dogecoin (DOGE) vs Mutuum Finance (MUTM): Which is the Best Crypto for New Investors in 2025?

Dogecoin (DOGE) vs Mutuum Finance (MUTM): Which is the Best Crypto for New Investors in 2025?

In 2025’s crypto market, investors are watching an unlikely face-off,  the meme-fueled legacy of Dogecoin (DOGE) versus the fast-rising utility of Mutuum Finance (MUTM). While Dogecoin continues to hold its place as a cultural cornerstone, Mutuum Finance is drawing headlines for its innovative approach to decentralized finance, with a focus on sustainable yield strategies and […]

Author: Cryptopolitan

2025/09/16

Kart Rumble eyes $200k milestone as early momentum builds

Kart Rumble eyes $200k milestone as early momentum builds

Kart Rumble is blending meme culture, adaptive AI gameplay, and blockchain ownership to reshape the web3 gaming and presale landscape. #sponsored

Author: Crypto.news

2025/09/16

American Express (AXP) Stock: Surges Amid NFT-Style Travel Stamps Launch on Ethereum

American Express (AXP) Stock: Surges Amid NFT-Style Travel Stamps Launch on Ethereum

TLDR Amex unveils blockchain travel stamps, blending trips with digital identity Travel goes Web3: Amex launches Base-powered digital journey stamps Amex taps Coinbase’s Base for NFT-like travel tokens, shares climb American Express fuses travel with blockchain via ERC-721 stamps Amex debuts digital travel stamps, signaling push into Web3 identity American Express shares climbed 0.81% to [...] The post American Express (AXP) Stock: Surges Amid NFT-Style Travel Stamps Launch on Ethereum appeared first on CoinCentral.

Author: Coincentral

2025/09/16

XRP Price Forecast: Ripple Eyes $4.50 Amid Rising Institutional Inflows, While Mutuum Finance (MUTM) Nears a 5,000% Breakout

XRP Price Forecast: Ripple Eyes $4.50 Amid Rising Institutional Inflows, While Mutuum Finance (MUTM) Nears a 5,000% Breakout

While institutional investment pours into XRP and moves Ripple towards the highly anticipated $4.50 mark, a new token Mutuum Finance (MUTM) is grabbing even more headlines. As the pros wait for a jaw-dropping 5,000% breakout potential, Mutuum Finance (MUTM) is quickly becoming the red-hot token in the markets, interesting not just retail traders but, more […]

Author: Cryptopolitan

2025/09/16

Decentraland Announces Art Week 2025: TOUCH GRASS A four-day exploration of presence, reflection, and sensory art in virtual worlds.

Decentraland Announces Art Week 2025: TOUCH GRASS A four-day exploration of presence, reflection, and sensory art in virtual worlds.

Panama City, Panama, 15th September 2025, Chainwire

Author: Blockchainreporter

2025/09/15

Crypto Lending Apps Witness Unprecedented $41.5 Billion Borrowing Surge

Crypto Lending Apps Witness Unprecedented $41.5 Billion Borrowing Surge

BitcoinWorld Crypto Lending Apps Witness Unprecedented $41.5 Billion Borrowing Surge The world of decentralized finance (DeFi) is buzzing with activity, and a recent milestone highlights its incredible expansion. The total value of assets borrowed from crypto lending apps has officially reached an astonishing all-time high of $41.5 billion. This unprecedented surge, reported by Unfolded, signals a significant shift in how individuals and institutions are interacting with digital assets. This record figure is not just a number; it represents a growing confidence and utility within the DeFi ecosystem. It shows that more people are looking to leverage their cryptocurrency holdings without selling them outright, using these platforms for various financial strategies. What’s Fueling the Phenomenal Rise of Crypto Lending Apps? Several key factors contribute to the explosive growth observed in crypto lending apps. These platforms offer unique advantages that traditional finance often cannot match, drawing in a diverse user base. Attractive Yields: Lenders are drawn by the opportunity to earn higher interest rates on their idle crypto assets compared to traditional savings accounts. Accessibility: DeFi platforms are open to anyone with an internet connection and cryptocurrency, removing many barriers of entry found in traditional banking. Capital Efficiency: Borrowers can access liquidity by using their crypto as collateral, enabling them to pursue other investments or meet short-term financial needs without liquidating their holdings. Innovation: Continuous development in smart contract technology and decentralized protocols makes these platforms more robust and user-friendly. The ability to generate passive income or gain access to capital quickly makes crypto lending apps an appealing option for many crypto holders. How Do Borrowed Assets on Crypto Lending Apps Actually Work? Understanding the mechanics behind these platforms is crucial. When you borrow assets on crypto lending apps, you typically provide other cryptocurrencies as collateral. This collateral ensures that the loan is secured, mitigating risk for the lenders. Here’s a simplified breakdown: Collateral Requirement: Borrowers deposit a certain amount of cryptocurrency (e.g., Ethereum or Bitcoin) into a smart contract as collateral. The value of this collateral usually exceeds the value of the loan. Loan Issuance: Once collateral is provided, borrowers can take out a loan, often in stablecoins like USDC or USDT, or other cryptocurrencies. Interest Rates: Borrowers pay an interest rate, which varies based on supply and demand within the specific lending protocol. These rates can be dynamic. Liquidation Risk: If the value of the collateral falls below a certain threshold relative to the loan, the collateral may be automatically sold to repay the loan. This is a critical risk to understand. This system allows for peer-to-peer lending and borrowing, all managed by transparent and immutable smart contracts on a blockchain. The Benefits and Challenges of Engaging with Crypto Lending Apps While the growth is exciting, it’s important to consider both the upsides and the potential downsides of using crypto lending apps. They offer significant opportunities but also come with inherent risks. Key Benefits: Liquidity: Users can unlock the value of their crypto without selling, maintaining their long-term positions. Income Generation: Lenders earn interest, creating a new stream of passive income from their digital assets. Financial Inclusion: These platforms are globally accessible, providing financial services to underserved populations. Potential Challenges: Smart Contract Risk: Vulnerabilities or bugs in the underlying code can lead to loss of funds. Liquidation Risk: Volatile crypto markets mean collateral values can drop rapidly, leading to automatic liquidations. Regulatory Uncertainty: The regulatory landscape for DeFi is still evolving, which could impact platform operations and user funds. Centralization Risks: While aiming for decentralization, some platforms may still have centralized components that pose risks. Understanding these aspects helps users make informed decisions when interacting with these powerful financial tools. Navigating the Future: Actionable Insights for Crypto Lending Apps Users Given the dynamic nature of the DeFi space, especially with crypto lending apps, adopting a cautious yet informed approach is essential. Here are some actionable insights to consider: Do Your Own Research (DYOR): Thoroughly investigate any platform before committing funds. Look for audits, community reputation, and transparent operations. Understand Terms and Conditions: Be fully aware of interest rates, collateral ratios, liquidation thresholds, and any associated fees. Start Small: Begin with smaller amounts to familiarize yourself with the platform and its processes before committing larger sums. Diversify: Do not put all your assets into a single lending protocol. Spreading your investments can help mitigate risks. Stay Informed: The crypto market moves quickly. Keep up with news, security updates, and regulatory changes that might affect your borrowed assets or collateral. These steps can help users navigate the exciting yet complex world of crypto lending more effectively. The record-breaking $41.5 billion in borrowed assets on crypto lending apps undeniably marks a significant moment for decentralized finance. It underscores the growing utility and demand for alternative financial services built on blockchain technology. While the opportunities for earning and leveraging digital assets are immense, it is crucial for users to approach these platforms with a clear understanding of both their benefits and inherent risks. As the DeFi ecosystem continues to mature, informed participation will be key to unlocking its full potential and ensuring a secure experience for all involved. Frequently Asked Questions (FAQs) Q1: What exactly are crypto lending apps? A1: Crypto lending apps are decentralized finance (DeFi) platforms that allow users to lend out their cryptocurrencies to earn interest or borrow cryptocurrencies by providing other digital assets as collateral, all managed by smart contracts on a blockchain. Q2: How did borrowed assets on crypto lending apps reach $41.5 billion? A2: This record was driven by increasing demand for capital efficiency, attractive yield opportunities for lenders, and the overall growth and adoption of decentralized finance, making it easier for users to access liquidity without selling their crypto. Q3: What are the main benefits of using crypto lending apps? A3: Key benefits include earning passive income on idle crypto, gaining liquidity without selling assets, and accessing financial services globally with fewer traditional barriers. Q4: What are the primary risks associated with crypto lending apps? A4: The main risks involve potential smart contract vulnerabilities, liquidation risk due to crypto market volatility, and evolving regulatory uncertainties that could impact platform operations. Q5: How can I safely participate in crypto lending? A5: To participate safely, it’s essential to conduct thorough research (DYOR) on platforms, understand all terms and conditions, start with smaller amounts, diversify your assets across different protocols, and stay updated on market and security news. We hope this article has provided valuable insights into the burgeoning world of crypto lending apps and the recent surge in borrowed assets. If you found this information helpful, please consider sharing it with your network on social media. Your support helps us continue to deliver timely and relevant crypto news and analysis! To learn more about the latest crypto market trends, explore our article on key developments shaping cryptocurrency institutional adoption. This post Crypto Lending Apps Witness Unprecedented $41.5 Billion Borrowing Surge first appeared on BitcoinWorld.

Author: Coinstats

2025/09/15

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