ExchangeDEX+
Buy CryptoMarketsSpotFuturesGOLDEarnEvent Center
More
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.

14221 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Avalanche activity driven by DEXs, trading bots, whale memecoin speculation

Avalanche activity driven by DEXs, trading bots, whale memecoin speculation

The post Avalanche activity driven by DEXs, trading bots, whale memecoin speculation appeared on BitcoinEthereumNews.com. Smart contract blockchain Avalanche recorded a consistent surge in blockchain activity, as analysts pointed to growing decentralized trading activities and returning crypto whale speculation on the next emerging memecoin. Avalanche’s transaction growth surpassed all other blockchains the past week, rising 66% to 11.9 million transactions across more than 181,000 active addresses, signaling growing investor mindshare focusing on the blockchain. The milestone occurred after a “landmark effort” of the US Department of Commerce, which adopted Avalanche, along with nine other public decentralized blockchains, to publish its real gross domestic product (GDP), Cointelegraph reported on Friday. Despite Avalanche’s growing institutional and governmental adoption, we “cannot at this point attribute this to the US Government adopting Avalanche for its GDP data,” said Nicolai Sondergaard, research analyst at the Nansen crypto intelligence platform. The network’s increasing blockchain activity was mainly driven by decentralized finance (DeFi) traders, miner extractable value (MEV) trading bots and whales speculating on the next big memecoin launch, the analyst told Cointelegraph, adding: “The transaction surge is driven by: 60% DeFi protocol activity (Trader Joe, Aave, Benqi), 25% Automated trading bots and MEV, and 10% Whale trading and memecoin speculation […].” The research analyst explained that the additional 5% of blockchain activity was attributed to blockchain gaming and non-fungible tokens (NFTs). Avalanche, top 5 entities by blockchain users, 180 days. Source: Nansen Related: Avalanche, Toyota Blockchain designing autonomous robotaxi infrastructure DEX trading, “high-balance” whales drove the majority of Avalanche blockchain activity: Nansen Cryptocurrency trading on decentralized exchanges drove the lion’s share of Avalanche’s blockchain activity, with Trader Joe DEX as the “primary driver,” which saw over $333 million worth of Avalanche Wrapped Ether (WETH.e) volume during the past seven days. “Key players” driving this activity included traders on Nansen’s top 100 leaderboard, who made multiple six-figure trades, Sondergaard said. Aave lending…

Author: BitcoinEthereumNews

2025/09/04

BullZilla Presale at $0.00001908 Best Meme Coin Presale in September 2025 as Fartcoin and XRP Rise.

BullZilla Presale at $0.00001908 Best Meme Coin Presale in September 2025 as Fartcoin and XRP Rise.

The post BullZilla Presale at $0.00001908 Best Meme Coin Presale in September 2025 as Fartcoin and XRP Rise. appeared on BitcoinEthereumNews.com. Crypto News BullZilla presale surges past $124K with 27,527% ROI potential as Fartcoin jumps 6.41% and XRP gains 1.6%. Best meme coin presale in September 2025. What if the best meme coin presale in September 2025 was already underway while the market’s attention was fixed on daily swings? The crypto sector thrives on volatility, and meme coins often capture it best, blending unpredictability with sharp movements that fuel investor momentum. Over the last 24 hours, Fartcoin ($FARTCOIN) soared 6.41% to $0.8095, marking one of the strongest moves in the meme sector, while XRP ($XRP) advanced 1.6% to $2.85, continuing its climb after weeks of consolidation. Together, these tokens highlight both speculative energy and institutional strength. At the same time, BullZilla ($BZIL) presale has started gaining traction. With its token price at $0.00001908 in phase three, over $124,000 already raised, and a projected listing price of  $0.00527, BullZilla is increasingly being recognized as the best meme coin presale in September 2025. BullZilla ($BZIL): Presale Momentum That Signals Opportunity BullZilla’s presale is structured within the Project Trinity Boom, currently in its third phase. Tokens are priced at $0.00001908 and increase every 48 hours or each time $100,000 is raised. More than 400 holders have already secured allocations, with momentum accelerating daily. At the $0.00527 confirmed listing price, early buyers face an ROI potential of 27,527.93%, cementing its place as the best meme coin presale in September 2025. The launch mechanics add fuel to participation. Investors who purchase $50 or more unlock a 10% bonus, while referral codes bring an additional 10% reward released two weeks post-purchase. These features drive community engagement and ensure organic expansion. With a 34.95% price hike looming in just one day, the urgency to act is evident. BullZilla’s lore-driven branding further separates it from typical meme tokens. By…

Author: BitcoinEthereumNews

2025/09/04

Revolutionary BTCFi SeoulMate Event to Ignite Bitcoin Finance in Seoul

Revolutionary BTCFi SeoulMate Event to Ignite Bitcoin Finance in Seoul

BitcoinWorld Revolutionary BTCFi SeoulMate Event to Ignite Bitcoin Finance in Seoul Get ready to witness a pivotal moment in the world of Bitcoin finance! Asia’s largest crypto media and community platform, Bitcoin World, is thrilled to announce the upcoming BTCFi SeoulMate event. This exclusive gathering will take place on September 24th at the elegant Arzú Cheongdam in Seoul, promising an unparalleled deep dive into the burgeoning landscape of Bitcoin-based financial infrastructure (BTCFi). What is BTCFi and Why Does it Matter Now? BTCFi, or Bitcoin-based financial infrastructure, represents a groundbreaking evolution. It’s about leveraging Bitcoin’s robust security and decentralized nature for a wide array of financial applications, moving beyond its traditional role as merely a store of value. This paradigm shift is unlocking new possibilities for decentralized finance, lending, stablecoins, and much more, all powered by the Bitcoin blockchain. Bitcoin World, as a leader in the Asian crypto space, recognizes the immense potential of BTCFi. Therefore, we are dedicated to fostering dialogue and innovation in this crucial sector. The BTCFi SeoulMate event serves as a vital platform for understanding these complex, yet exciting, developments. Who is Powering This Groundbreaking BTCFi Initiative? The success of any significant event lies in the strength of its partnerships. We are proud to co-organize the BTCFi SeoulMate event with a formidable lineup of industry pioneers. These include Avalon Finance, Rootstock, Merlin Chain, RedStone, and Bedrock. Each partner brings unique expertise and innovation to the table, enriching the discussions and insights shared. Moreover, we are honored to have Google Cloud participating as a strategic partner. Their involvement underscores the growing mainstream interest and the robust technological backbone required for advanced BTCFi solutions. This collaboration highlights the event’s commitment to showcasing the most cutting-edge strategies and infrastructure in the Bitcoin ecosystem. What Exciting Opportunities Await Attendees at the BTCFi SeoulMate Event? The BTCFi SeoulMate event is meticulously designed to provide immense value to both seasoned builders and astute investors in the crypto space. Attendees will gain in-depth insights on several critical topics: Latest Trends in Bitcoin-Based Finance: Stay ahead of the curve with expert analysis on the newest innovations shaping the BTCFi landscape. Opportunities for On-Chain Finance Utilization: Discover practical ways to leverage Bitcoin for various on-chain financial applications. Advanced BTCFi Meta Strategies: Learn sophisticated approaches and frameworks for navigating and succeeding in the evolving BTCFi market. Beyond the engaging panel sessions, the event will feature extensive networking programs. This is a golden opportunity to connect with fellow enthusiasts, industry leaders, and potential collaborators. Furthermore, to add an element of excitement, a special prize drawing will be held, ensuring a diverse and memorable experience for everyone present. Don’t Miss This Exclusive BTCFi Experience! The BTCFi SeoulMate event is more than just a conference; it’s a convergence of minds, ideas, and innovation. It represents a unique chance to be at the forefront of Bitcoin’s financial revolution. Whether you’re looking to deepen your understanding, expand your network, or uncover new investment opportunities, this event is tailor-made for you. Join us on September 24th in Seoul to explore the immense potential of BTCFi. This is your moment to connect with the visionaries and pioneers shaping the future of finance, all built upon the foundational strength of Bitcoin. Secure your spot and be part of this transformative journey! Frequently Asked Questions (FAQs) What is the BTCFi SeoulMate event? The BTCFi SeoulMate event is an exclusive gathering hosted by Bitcoin World, focusing on the latest trends and strategies in Bitcoin-based financial infrastructure (BTCFi). It brings together builders, investors, and industry leaders. Who are the key organizers and partners for this event? Bitcoin World is the primary host, co-organizing with Avalon Finance, Rootstock, Merlin Chain, RedStone, and Bedrock. Google Cloud is also participating as a strategic partner. What topics will be covered at the event? Attendees will explore the latest trends in Bitcoin-based finance, opportunities for utilizing on-chain finance, and advanced BTCFi meta strategies through panel sessions and discussions. Who should attend the BTCFi SeoulMate event? The event is ideal for BTCFi builders, investors, crypto enthusiasts, and anyone interested in the future of Bitcoin-based financial infrastructure and its opportunities. Where and when is the event taking place? The BTCFi SeoulMate event will be held on September 24th at Arzú Cheongdam in Seoul. If you found this article insightful, please consider sharing it with your network! Help us spread the word about the groundbreaking BTCFi SeoulMate event and the exciting future of Bitcoin finance. Your shares help empower more individuals to explore the potential of BTCFi. To learn more about the latest BTCFi trends, explore our article on key developments shaping Bitcoin’s financial future. This post Revolutionary BTCFi SeoulMate Event to Ignite Bitcoin Finance in Seoul first appeared on BitcoinWorld and is written by Editorial Team

Author: Coinstats

2025/09/04

BullZilla Crowned Best Meme Coin Presale in September 2025 While Fartcoin Climbs and XRP Hits $2.85

BullZilla Crowned Best Meme Coin Presale in September 2025 While Fartcoin Climbs and XRP Hits $2.85

What if the best meme coin presale in September 2025 was already underway while the market’s attention was fixed on […] The post BullZilla Crowned Best Meme Coin Presale in September 2025 While Fartcoin Climbs and XRP Hits $2.85 appeared first on Coindoo.

Author: Coindoo

2025/09/04

Ripple Deepens Global Payments Alliance With Thunes

Ripple Deepens Global Payments Alliance With Thunes

The post Ripple Deepens Global Payments Alliance With Thunes appeared on BitcoinEthereumNews.com. US blockchain company Ripple has expanded its partnership with Singapore-based payments firm Thunes based on their 2020 collaboration. The partnership aims to improve international transfers by combining blockchain infrastructure with payout networks. The initiative targets more than 90 markets, addressing growing demand for faster and lower-cost cross-border transactions in developed and emerging economies. Expanding Reach in Cross-Border Payments Sponsored Sponsored Thunes operates a “Smart Superhighway” that connects banks, wallets, and card providers. The company is extending its cooperation with Ripple to improve liquidity management and settlement efficiency. International transfers are still fragmented and costly, especially in regions with limited banking services. Both firms seek to simplify payments by merging Ripple’s blockchain technology with Thunes’ Direct Global Network. Ripple reports that its payment platform has processed over $70 billion in volume. The company promotes blockchain tools for transparency, speed, and regulatory oversight. A key element of the agreement is Ripple’s integration with Thunes’ SmartX Treasury System. The platform manages liquidity flows across its network. The addition allows payouts in local currencies, which is essential for markets where mobile wallets dominate access to finance. Meanwhile, M-Pesa, GCash, and WeChat Pay remain vital in economies with limited bank coverage. Ripple has emphasized compliance to distinguish itself from other blockchain firms. The company publishes proof-of-reserves reports and undergoes independent audits. These measures aim to counter concerns about inflated volumes in digital asset markets. On its homepage, Thunes introduces itself as operating a proprietary global payment network connecting 130+ countries, 80+ currencies, 3 billion mobile wallets, and 4 billion bank accounts. The company states that it enables businesses and consumers to instantly send and accept cross-border payments worldwide through any payment method. The extended cooperation highlights a broader industry trend. Firms are now blending blockchain innovation with the regulatory framework of traditional finance. The partnership…

Author: BitcoinEthereumNews

2025/09/04

Ark Invest: The Birth of a DeFi Super App

Ark Invest: The Birth of a DeFi Super App

By Lorenzo Valente As the crypto market matures, investors are looking for clues from past tech booms to predict the next big trend or inflection point. Historically, digital assets have been difficult to compare to previous technology cycles, making it difficult for users, developers, and investors to predict their long-term trajectory. This dynamic is changing. According to our research, the “application layer” in the crypto space is evolving, much like the unbundling and rebundling cycles experienced by SaaS (Software as a Service) and FinTech platforms. In this article, I’ll describe how the unbundling and rebundling cycle seen in SaaS and Fintech plays out in DeFi (decentralized finance) and crypto applications. The pattern evolves as follows: The concept of "Composability" is key to understanding the unbundling and rebundling cycle. This is an analytical term used in the fintech and crypto communities to refer to the ability of financial or decentralized applications and services—particularly at the application layer—to seamlessly interact, integrate, and build upon each other like Lego blocks. With this concept at the core, we describe the shift in product structure in the following two subsections. From Verticalization to Modularization: The Great Unbundling In 2010, Spark Capital’s Andrew Parker published a blog post outlining how dozens of startups were capitalizing on the unbundling opportunity presented by Craigslist, the then-horizontal internet marketplace offering everything from apartments and gig work to merchandise sales, as shown in the image below. Source: Parker 2010. For illustrative purposes only and should not be considered investment advice or a recommendation to buy, sell, or hold any specific security. Parker concludes that many successful companies—Airbnb, Uber, GitHub, Lyft—started by focusing on and verticalizing a small part of Craigslist's broad functionality and dramatically improving it. This trend ushered in the first major phase of "marketplace unbundling," during which Craigslist's fully bundled, multi-purpose marketplace gave way to single-purpose apps. The newcomers didn't just improve Craigslist's user experience (UX)—they redefined it. In other words, unbundling broke a broad-based platform into narrowly defined, autonomous verticals, disrupting Craigslist by serving users in unique ways. What made that wave of unbundling possible? Fundamental shifts in technology infrastructure, including advances in APIs (application programming interfaces), cloud computing, mobile user experiences, and embedded payments, lowered the barrier to entry for building focused applications with world-class user experiences. The same unbundling is also evolving in the banking industry. For decades, banks have offered a bundled set of financial services—everything from savings and loans to insurance—under a single brand and app. However, over the past decade, fintech startups have been precisely dismantling this bundle, each focusing on a specific vertical. Traditional banking bundles include: Payments and Remittances Checking and savings accounts Interest-bearing products Budgeting and financial planning Loans and Credit Investment and wealth management Insurance Credit and debit cards Over the past decade, the banking bundle has systematically unbundled into a series of venture-backed fintech companies, many of which are now unicorns, decacorns, or near-centacorns: Payments and remittances: PayPal, Venmo, Revolut, Stripe Bank accounts: Chime, N26, Monzo, SoFi Savings and Earnings: Marcus, Ally Bank Personal finance and budgeting: Mint, Truebill, Plum Loans and credit: Klarna, Upstart, Cash App, Affirm Investing and Wealth Management: Robinhood, eToro, Coinbase Insurance: Lemonade, Root, Hippo Card and expense management: Brex, Ramp, Marqeta Each company focuses on a service it can hone and deliver better than the incumbent, combining its skill set with new technology levers and distribution models to offer growth-oriented niche financial services in a modular manner. In both SaaS and FinTech, unbundling is not only disrupting incumbents but also creating entirely new categories, ultimately expanding the total addressable market (TAM). From modularity back to bundling: The Great Rebundling Airbnb recently launched its new Services & Experiences app and redesigned it to allow users to not only book accommodations but also explore and purchase add-on services such as museum visits, food tours, dining experiences, gallery walks, fitness classes, and beauty treatments. Airbnb, once a peer-to-peer accommodations marketplace, is evolving into a vacation superapp—rebundling travel, lifestyle, and local services into a single, cohesive platform. Furthermore, over the past two years, the company has expanded its product offerings beyond home rentals and is now integrating payments, travel insurance, local guides, concierge-style tools, and curated experiences into its core booking service. Robinhood is undergoing a similar transformation. The company, which disrupted the brokerage industry with commission-free stock trading, is now aggressively expanding into a full-stack financial platform and is re-bundling many of the verticals previously unbundled by fintech startups. Over the past two years, Robinhood has: Launch of payment and cash management features (Robinhood Cash Card) Increase cryptocurrency trading Launch of retirement accounts Launch of margin investing and credit cards Acquired Pluto, an AI-powered research and wealth advisory platform The moves suggest that Robinhood, like Airbnb, is bundling together previously fragmented services to build a comprehensive financial super app. By controlling more of the financial stack—savings, investing, payments, lending, and advice—Robinhood is reinventing itself from a brokerage to a full-service consumer finance platform. Our research shows that this unbundling and rebundling dynamic is impacting the crypto industry. In the remainder of this article, we provide two case studies: Uniswap and Aave. DeFi’s Unbundling and Rebundling Cycle: Two Case Studies Case Study 1: Uniswap — From Monolithic AMM to Liquidity Lego and Back to a Trading Super App In 2018, Uniswap launched on Ethereum as a simple yet revolutionary automated market maker (AMM). In its early stages, Uniswap was a vertically integrated application: a small smart contract codebase with an official frontend hosted by its team. The core AMM functionality—swapping ERC-20 tokens in a constant product pool—existed within a single on-chain protocol. Users primarily accessed it through Uniswap's own web interface. This design proved highly successful, with Uniswap's cumulative on-chain trading volume exploding to over $1.5 trillion by mid-2023. With its tightly controlled technology stack, Uniswap provided a smooth user experience for token swaps, which guided the development of DeFi in its early days. At the time, Uniswap v1/v2 implemented all trading logic on-chain, requiring no external price oracles or off-chain order books. The protocol internally determined prices within a closed system, using its liquidity pool reserves (the x*y=k formula). The Uniswap team developed the primary user interface (app.uniswap.org) to interact directly with the Uniswap contracts. Early on, most users accessed Uniswap through this dedicated front-end, similar to a proprietary exchange portal. Beyond Ethereum itself, Uniswap does not rely on any other infrastructure. Liquidity providers and traders interact directly with Uniswap contracts, with no built-in external data feeds or plugin hooks. The system was simple but isolated. As DeFi expanded, Uniswap evolved into a composable liquidity "Lego" rather than a standalone application. The protocol's open, permissionless nature meant other projects could integrate Uniswap's pools and add layers. Uniswap Labs gradually relinquished control over parts of the stack, allowing external infrastructure and community-built features to play a greater role: Decentralized Exchange (DEX) Aggregators and Wallet Integrations: The majority of Uniswap's trading volume began flowing through external aggregators like the 0x API and 1inch, rather than through Uniswap's own interface. By the end of 2022, an estimated 85% of Uniswap's swap volume was routed through aggregators like 1inch as users sought the best prices across multiple exchanges. Wallets like MetaMask also integrated Uniswap liquidity into their swap functionality, allowing users to trade on Uniswap from their wallet applications. This external routing reduced reliance on Uniswap's native frontend and made AMMs more like a plug-and-play module in the DeFi stack. Oracles and Data Indexers: While Uniswap's contracts did not and still do not require price oracles to trade, the broader ecosystem built around Uniswap does. Other protocols use Uniswap's pool prices as on-chain oracles, and the Uniswap interface itself relies on external indexing services. For example, Uniswap's frontend uses subgraphs from The Graph to query pool data off-chain for a smoother user interface (UI) experience. Rather than building its own indexing nodes, Uniswap leverages community-driven data infrastructure—a modular approach that offloads the heavy lifting of data queries to specialized indexers. Multi-chain Deployment: During its modularization phase, Uniswap expanded beyond Ethereum to numerous blockchains and Rollups, including Polygon, Arbitrum, BSC, and Optimism. Uniswap's governance mandated the deployment of its core protocol on these networks, effectively treating each blockchain as a base-layer plugin for Uniswap's liquidity. This multi-chain strategy emphasizes Uniswap's composability: the protocol can exist on any Ethereum Virtual Machine (EVM)-compatible chain, rather than tying its fate to a single, vertically integrated environment. Recently, Uniswap has been moving back towards vertical integration, seemingly with the goal of capturing more of the user journey and optimizing the stack for its use cases. Key reintegration developments include: Native Mobile Wallet: In 2023, Uniswap released the Uniswap Wallet—a self-hosted mobile application—followed by a browser extension, allowing users to store tokens and interact directly with Uniswap products. The launch of the wallet was a significant step toward controlling the user interface layer, rather than ceding it to wallets like MetaMask. With its own wallet, Uniswap now vertically integrated user access, ensuring that swaps, browsing non-fungible tokens (NFTs), and other activities occurred within an environment it controlled and could potentially be routed to Uniswap liquidity. Integrated Aggregation (Uniswap X): Instead of relying on third-party aggregators to find the best prices, Uniswap also introduced Uniswap X, a built-in aggregation and trade execution layer. Using an open network of off-chain "fillers," Uniswap X sources liquidity from various AMMs and private market makers, then settles trades on-chain. As a result, Uniswap has transformed its interface into a one-stop trading portal that aggregates liquidity sources for the benefit of users—similar to the services provided by 1inch or Paraswap. By running its own aggregator protocol, Uniswap Labs has reintegrated this functionality, keeping users in-house while guaranteeing the best prices. Importantly, Uniswap X is integrated into the Uniswap web app itself—and potentially into the wallet in the future—so users no longer need to leave Uniswap for the aggregator. Application-Specific Chain (Unichain): In 2024, Uniswap announced its own Layer 2 blockchain—dubbed "Unichain"—as part of the Optimism Superchain. Taking vertical integration to the infrastructure level, Unichain is a custom rollup tailored for Uniswap and DeFi trading, aiming to reduce Uniswap user fees by approximately 95% and latency to approximately 250 milliseconds. Uniswap will control the blockchain environment in which its contracts operate, rather than operating as an application on another chain. By operating Unichain, Uniswap will be able to optimize everything from gas costs to maximum extractable value (MEV) mitigation for its exchange and introduce native protocol fee sharing with UNI holders. This full-circle transformation transforms Uniswap from an Ethereum-dependent decentralized application (dApp) to a vertically integrated platform with a proprietary UI, execution layer, and dedicated blockchain. Case Study 2: Aave — From P2P Lending Market to Multi-Chain Deployment and Back to a Credit Super App Aave's origins can be traced back to ETHLend in 2017, a self-contained lending application that gave way to a decentralized peer-to-peer lending marketplace, renamed Aave, in 2018. The team developed smart contracts for lending and provided an official web interface for user participation. During this phase, ETHLEND/Aave matched lenders and borrowers using an order book approach and handled everything from interest rate logic to loan matching. As it evolved toward a pooled lending model similar to Compound, Aave underwent vertical integration. The Aave v1 and v2 contracts on Ethereum incorporated innovations like flash loans—an in-protocol feature that allows for uncollateralized borrowing with repayments in the same transaction—as well as interest rate algorithms. Users primarily accessed the protocol through the Aave web dashboard. The protocol managed key functions, such as interest accrual and liquidations, internally, with minimal reliance on third-party services. In short, Aave's early design was a monolithic money market: a dApp with its own UI that handled deposits, loans, and liquidations in a single location. Aave is part of the broader DeFi symbiosis, integrating MakerDAO's DAI stablecoin as a key collateral and lending asset from the outset. In fact, in its incarnation as ETHLend, Aave launched simultaneously with Maker and immediately supported DAI, reflecting the tight coupling between those vertically integrated pioneers and demonstrating early on that no protocol is an island. Even in its "vertical" phase, Aave benefited from the product of another protocol—its stablecoin—to operate. As DeFi has grown, Aave has unbundled and adopted a modular architecture, outsourcing parts of its infrastructure and encouraging others to build on its platform. Several shifts illustrate Aave’s move toward composability and external dependencies: External Oracle Network: Rather than operating its own price feeds, Aave uses Chainlink's decentralized oracles to provide reliable asset prices for collateral valuation. Price oracles are crucial to any lending protocol, as they determine when loans become undercollateralized. Aave governance has selected Chainlink Price Feeds as the primary oracle source for most assets on aave.com, outsourcing pricing infrastructure to a specialized third-party network. While this modular approach improves security—for example, Chainlink aggregates many data sources—it also means Aave's stability relies on external services. Wallet and App Integration: Aave's lending pools have become the building blocks for numerous other dApp integrations. Portfolio managers and dashboards like Zapper and Zerion, DeFi automation tools like DeFi Saver, and yield optimizers all access Aave's contracts through its open software development kit (SDK). Users can deposit or borrow through third-party frontends that interface with Aave, but the official Aave interface is just one of many access points. Even DEX aggregators indirectly leverage Aave's flash loans for complex, multi-step trades executed by services like 1inch. By open-sourcing its design, Aave allows for composability: other protocols can integrate Aave's functionality—for example, using Aave flash loans within a Uniswap arbitrage bot—all coordinated by external aggregators. As a liquidity module rather than a standalone application, its composability expands Aave's influence in the DeFi ecosystem. Multi-chain deployment and isolated models: Similar to Uniswap, Aave is deployed on multiple networks—such as Polygon, Avalanche, Arbitrum, and Optimism—essentially cross-chain modularity. Aave v3 introduced features such as isolated markets for certain assets—architectural modularity—creating different risk parameters for each market, sometimes operating separately from the main pool. It also introduced permissioned variants, such as "Aave Arc" for Know Your Customer (KYC) institutions, which are conceptually independent "module instances" of Aave. These examples demonstrate Aave's flexibility to operate in a variety of environments, not just one integrated one. During this unbundling phase, Aave relies on a broader infrastructure stack: Chainlink oracles for data, The Graph for indexing, wallets and dashboards for user access, and tokens from other protocols—like Maker's DAI or Lido's staked ETH—as collateral. This modular approach increases Aave's composability and reduces the need to "reinvent the wheel." The tradeoff is a partial loss of control over those parts of the stack, and the risks associated with relying on external services. Lately, Aave has shown signs of returning to vertical integration by developing in-house versions of key components that it previously relied on others. For example, in 2023, Aave launched its own stablecoin, GHO. Historically, Aave has facilitated lending and borrowing of various assets, notably MakerDAO’s DAI stablecoin, which has scaled significantly on Aave. With GHO, Aave now has a native stablecoin on its platform that acts as a distribution channel for other protocol stablecoins. Like DAI, GHO is an overcollateralized, decentralized, USD-pegged stablecoin. Users can mint GHO with their deposits on Aave V3, which allows Aave to acquire a previously outsourced vertical part of the lending stack—stablecoin issuance. Therefore: Aave is an issuer of a stablecoin—not just a lending venue for existing stablecoins—and directly controls the parameters and revenue of the stablecoin. GHO is a competitor to DAI, so now Aave can recycle interest payments into its own ecosystem. GHO interest can benefit AAVE token stakers rather than indirectly increasing MakerDAO fees. The introduction of GHO also requires dedicated infrastructure. Aave has facilitators—including the main Aave pool—that can mint and burn GHO and set governance policies. By controlling this new layer of functionality, Aave has built an internal version of the MakerDAO product to serve its own community. In another notable move, Aave is leveraging Chainlink's Smart Value Routing (SVR), or a similar mechanism, to recapture MEV (maximum extractable value, similar to payment for order flow in stocks) for Aave users. Tighter coupling with the oracle layer to redirect arbitrage profits back into the protocol is blurring the line between the Aave platform and the underlying blockchain mechanisms. This move suggests Aave's interest in customizing even lower-level infrastructure, such as oracle behavior and MEV capture, for its own benefit. While Aave hasn't yet launched its own wallet or chain like Uniswap and others, its founder's other ventures suggest his goal is to build a self-sustaining ecosystem. For example, the Lens Protocol, a social network, could be integrated with Aave for social reputation-based finance. Architecturally, Aave is moving towards providing all key financial primitives: lending, stablecoins (GHO), and potentially decentralized social identity (Lens), rather than relying on external protocols. In my opinion, this product strategy is about deepening the platform: with stablecoins, lending, and other services, Aave's user retention and protocol revenue should benefit. In short, Aave has evolved from a closed-loop lending dApp to an open lego that connects to DeFi and relies on others such as Chainlink and Maker, and is now returning to a more expansive vertically integrated financial suite. In particular, the launch of GHO emphasizes Aave's intention to reintegrate the stablecoin layer it once outsourced to MakerDAO. Our research suggests that the journeys of Uniswap, Aave, MakerDAO, Jito, and other protocols illustrate broader cyclical patterns in the crypto industry. In the early days, vertical integration—building a single, monolithic product with a very specific purpose—was necessary to pioneer new features like automated trading, decentralized lending, stablecoins, or MEV capture. These self-contained designs allowed for rapid iteration and quality control in emerging markets. As the space matured, modularity and composability became priorities: protocols unbundled portions of their stack to launch new features or provide more value to external stakeholders, becoming "money Legos" by leveraging the strengths of other protocols. However, the success of modularity and composability has brought new challenges. Relying on external modules introduces dependency risk and limits the ability to capture value created elsewhere within the protocol. Now, the largest players and protocols with strong product-market fit (PMF) and revenue streams are shifting their strategies back toward vertical integration. While not abandoning decentralization or composability, these projects are reintegrating key components for strategic reasons: launching their own chains, wallets, stablecoins, frontends, and other infrastructure. Their goal is to provide a more seamless user experience, capture additional revenue streams, and protect against dependency on competitors. Uniswap is building a wallet and chain, Aave is issuing GHO, MakerDAO is forking Solana to build NewChain, and Jito is merging staking/re-staking with MEV. We believe that any sufficiently large DeFi application will eventually seek its own vertically integrated solution. in conclusion History doesn't repeat itself, but it does rhyme. The crypto world is humming a familiar tune. Much like the SaaS and marketplace revolutions of the past decade, DeFi and application-layer protocols are focusing on new technical primitives, evolving user expectations, and a desire for greater value capture, all while moving along a trajectory of unbundling and rebundling. In the 2010s, startups specializing in niche segments of the massive Craigslist marketplace effectively atomized it into distinct companies. This unbundling gave rise to giants—Airbnb, Uber, Robinhood, Coinbase—all of which have since embarked on their own rebundling journeys, integrating new verticals and services into cohesive, sticky platforms. The crypto space is following the same path at a revolutionary pace. What started as strictly scoped vertical experiments—Uniswap as an AMM, Aave as a money market, Maker as a stablecoin treasury—became modularized into permissionless Lego blocks, opening up liquidity, outsourcing key functions, and allowing composability to flourish. Now that usage has scaled, the market is fragmenting, and the pendulum is starting to swing back. Today, Uniswap is becoming a trading super-app with its own wallet, chain, cross-chain standards, and routing logic. Aave is issuing its own stablecoin, bundling lending, governance, and credit primitives. Maker is building an entirely new chain to improve the governance of its currency ecosystem. Jito unifies staking, MEV, and validator logic into a full-stack protocol. Hyperliquid merges exchanges, L1 infrastructure, and the EVM into a seamless on-chain financial operating system (OS). In crypto, primitives are unbundled by design, but the best user experiences — and the most defensible businesses — are increasingly rebundled. This isn’t a betrayal of composability, but an implementation of it: build the best possible Lego brick and use it to build the best possible castle. DeFi is compressing the entire cycle into just a few years. How? DeFi operates in a completely different way: Permissionless infrastructure reduces the friction of experimentation: any developer can fork, copy, or extend an existing protocol in hours rather than months. Capital formation is instant — With tokens, teams can fund new projects, ideas, or incentives faster than ever before. Liquidity is highly liquid. Total value locked (TVL) moves at an incentivized pace, making it easier for new experiments to gain traction and successful experiments to scale exponentially. Larger addressable market size. Protocols have access to a global, permissionless pool of users and capital from day one, typically achieving scale faster than their Web2 counterparts that are limited by geography, regulation, or distribution channels. DeFi’s super apps are rapidly expanding in real time. We believe the winners won’t be the protocols with the most modular stack, but rather those that know exactly which parts of the stack to own, which to share, and when to switch between the two.

Author: PANews

2025/09/04

RWA commercial lending protocol Kasu receives $1 million in strategic investment from XDC Network

RWA commercial lending protocol Kasu receives $1 million in strategic investment from XDC Network

PANews reported on September 4 that according to official news, the RWA commercial lending agreement Kasu announced that it has received a strategic investment of US$1 million from XDC Network. Kasu is a credit infrastructure platform that connects DeFi capital with vetted, real-world credit opportunities. Backed by institutional lenders and integrated with compliant RWA protocols, Kasu provides depositors with access to yield-generating credit markets through smart contracts and structured tiering.

Author: PANews

2025/09/04

DeFi TVL Surges 41% in Q3 to Three-Year High

DeFi TVL Surges 41% in Q3 to Three-Year High

The post DeFi TVL Surges 41% in Q3 to Three-Year High appeared on BitcoinEthereumNews.com. Ethereum and Solana lead the charge as the broader DeFi ecosystem records strong growth. Decentralized finance (DeFi) total value locked (TVL) has surged 41% so far in the third quarter of 2025, surpassing $160 billion for the first time since May 2022. DeFi TVL Ethereum and Solana, seen as key indicators of DeFi activity, led the growth. Ethereum’s TVL jumped 50% from $54 billion in July to $96.5 billion today, while Solana’s rose about 30%, from $10 billion to $13 billion over the same period, per DeFiLlama. The broader DeFi ecosystem’s growth reflects increased activity in lending, borrowing, and decentralized exchange (DEX) trading. Moreover, there has been renewed investor interest following regulatory clarity from U.S. agencies and optimism about macroeconomic trends. In mid-July, the U.S. House of Representatives passed the digital asset-focused CLARITY Act, the Anti-CBDC Surveillance State Act, and the stablecoin-focused GENIUS Act. The GENIUS Act was subsequently signed into law by President Donald Trump on July 18. At the protocol level, Aave, the largest DeFi lending protocol with over $41 billion in TVL, has grown nearly 58% since July. Liquid staking platform Lido, ranked second with nearly $39 billion, surged 77% in the same period. EigenLayer, a restaking protocol ranking third with more than $20 billion in TVL, climbed over 66%, fueled by ETH’s recent rally. “The biggest winners are the protocols delivering decentralized products responsibly; Aave, EigenLayer, and Lido have taken the biggest slice, and for good reason – they are established and real,” Mike Maloney, CEO and Founder of Incyt, told The Defiant. ETH reached a new all-time high of $4,904 on Aug. 24 – it’s currently up 82% since the beginning of July. Meanwhile, Bitcoin (BTC) reached an all-time high of $124,128 on Aug. 14, up 18% since July. Doug Colkitt, Initial Contributor to Fogo,…

Author: BitcoinEthereumNews

2025/09/04

BullZilla Presale Shines With $120K Raised as SPX6900 and Solana Shape 2025

BullZilla Presale Shines With $120K Raised as SPX6900 and Solana Shape 2025

The post BullZilla Presale Shines With $120K Raised as SPX6900 and Solana Shape 2025 appeared on BitcoinEthereumNews.com. Crypto News BullZilla leads the top 100x crypto presale in 2025 while SPX6900 and Solana redefine market momentum. Every crypto cycle brings fresh contenders, and 2025 is already proving to be different. While Bitcoin and Ethereum maintain dominance, the spotlight has shifted toward projects that blend culture, engineering, and innovation. In September, three projects stand out: Bull Zilla, SPX6900, and Solana. BullZilla’s cinematic presale is drawing investors in droves, securing its place as one of the top 100x crypto presale in 2025. SPX6900 thrives on cultural virality, while Solana cements its role as a fast and efficient blockchain. Together, they form a trio that could define this year’s market narrative. BullZilla: Mutation Mechanics Drive the Presale Surge BullZilla ($BZIL) is rewriting the script for meme coins. Instead of relying on viral logos or simple hype, it is launching with a 24-chapter “Lore Bible,” where each chapter triggers a Roar Burn. This live event permanently removes tokens from circulation, making scarcity a visible, verifiable part of the experience. At present, BullZilla’s presale is in Stage 1, The Project Trinity Boom, Phase 3. The token price sits at $0.00001908. More than $120,000 has already been raised, with over 400 holders onboard. Early investors at Stage 1C locked in 231% ROI. From today’s price to its confirmed listing at $0.00527, the possible ROI stands at 27,527%. A $1,000 allocation right now translates to 52.41 million $BZIL tokens. Within a day, the presale price is programmed to surge by 34.95%, climbing from $0.00001908 to $0.00002575. This is not speculation; it is written into the presale’s progressive engine. Each $100K milestone or 48-hour cycle ensures the price rises. This structure is why analysts classify BullZilla as the top 100x crypto presale in 2025. BullZilla also introduces the HODL Furnace, a staking mechanism with up to…

Author: BitcoinEthereumNews

2025/09/04

BullZilla’s Top 100x Crypto Presale in 2025 Powers Ahead While SPX6900 and Solana Build Momentum

BullZilla’s Top 100x Crypto Presale in 2025 Powers Ahead While SPX6900 and Solana Build Momentum

Every crypto cycle brings fresh contenders, and 2025 is already proving to be different. While Bitcoin and Ethereum maintain dominance, […] The post BullZilla’s Top 100x Crypto Presale in 2025 Powers Ahead While SPX6900 and Solana Build Momentum appeared first on Coindoo.

Author: Coindoo

2025/09/04

Recommended by active authors

BitcoinEthereumNews
BitcoinEthereumNews
4730Articles
Cryptopolitan
Cryptopolitan
1056Articles
PANews
PANews
939Articles
Coinstats
Coinstats
898Articles

Related Tags

#Oracle#Brifge#Yield-Farming#Basis-Trading#Prediction-Market#Launchpad#Liquid-Staking#DePIN#RWA

Latest Articles

ZEC Technical Analysis Feb 5

ZEC Technical Analysis Feb 5

2026/02/06 04:41
White House launches direct to consumer drug site

White House launches direct to consumer drug site

2026/02/06 04:27
While Retailers Panic Over XRP Price, Here’s What Corporations Are Doing With XRP

While Retailers Panic Over XRP Price, Here’s What Corporations Are Doing With XRP

2026/02/06 04:05
‘Big Short’ Investor Michael Burry Issues Warning As Bitcoin Crashes Toward $65,000

‘Big Short’ Investor Michael Burry Issues Warning As Bitcoin Crashes Toward $65,000

2026/02/06 04:03
Unpacking The Alarming Signs As BTC Plunges Below $69,000

Unpacking The Alarming Signs As BTC Plunges Below $69,000

2026/02/06 04:02