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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.

13910 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
DigiFT to Launch CUBX, Southeast Asia’s First Regulated Fintech Loan Tokenization Product

DigiFT to Launch CUBX, Southeast Asia’s First Regulated Fintech Loan Tokenization Product

PANews reported on August 7th that DigiFT, a licensed Singapore-based crypto exchange, will launch CUBX, Southeast Asia's first regulated fintech loan tokenization product. The token, issued by Singapore-based Docking Tech,

Author: PANews

2025/08/07

Coinbase-Backed Grassroots Organization Mobilizes 2.3M Voters Ahead of Key U.S. Crypto Legislation

Coinbase-Backed Grassroots Organization Mobilizes 2.3M Voters Ahead of Key U.S. Crypto Legislation

United States President Donald Trump’s Working Group on Digital Asset Markets recently released its long-awaited crypto report . The document, which was made publicly available on July 30, outlines policy recommendations for regulating crypto in the U.S. The report includes recommendations on crypto market structure, jurisdictional oversight, banking regulations, promoting U.S. dollar hegemony through stablecoins, and taxation of cryptocurrencies. Today the White House is releasing its comprehensive report on digital assets, providing long-awaited regulatory clarity for innovators in a cutting-edge industry. President Trump is delivering on his promise to make the U.S. the crypto capital of the planet. pic.twitter.com/hrp8uQwf76 — David Sacks (@davidsacks47) July 30, 2025 President Trump is also reportedly planning to sign an executive order directing banking regulators to investigate claims of debanking made by the crypto sector . Grassroots Organizations Play Key Role In Shaping Legislation While the recent efforts from President Trump and his team are clear, grassroots organizations are also playing a key role in advancing crypto legislation in the U.S. Michael Cameron, co-founder of decentralized exchange Superb, told Cryptonews that most people underestimate how the future of crypto in the U.S. is being shaped by passionate groups of lawyers, developers, anonymous people, and others. “People think it’s lobbyists in suits doing the heavy lifting,” Cameron said. “While they certainly are—crypto firms spent over $18 million on federal lobbying in early 2025—behind the scenes, there are discord groups reading draft bills at 2 a.m. and DAO treasurers fervently calling congressional staffers.” Given this, it’s important to understand how specific grassroots organizations are helping influence crypto legislation in the U.S. Stand With Crypto Helps Voters Get Their Voices Heard Mason Lynaugh, community director at Stand With Crypto (SWC)—a nonprofit advocacy organization backed by Coinbase —told Cryptonews that he was fortunate to join top industry leaders and advocates at the White House for the release of Trump’s recent crypto report. Lynaugh elaborated that not only was the report monumental for the entire crypto sector, but it was the first time that SWC was represented as part of an important legislative effort. “Policy makers and regulators in the White House finally see strength in the Stand With Crypto community,” Lynaugh said. “The recommendations that our working group put forward and the impact from pro-crypto voters have demonstrated a big win here.” Digital asset advocate and @stcloudfcu Chief Lending Officer Chase Larson met with his senator in D.C. last month! Hear what Chase has to say about removing ambiguity and unleashing innovation when it comes to crypto regulation: pic.twitter.com/GxhpvQAjyn — Stand With Crypto🛡️ (@standwithcrypto) August 5, 2025 According to Lynaugh, SWC is one of the most engaged, organized, and fastest-growing grassroots political forces in America. The organization has more than 2.3 million crypto advocates across the country and is on track to exceed 2.5 million. SWC’s goal is to have a footprint in all 50 states by the end of this year. “Stand With Crypto has built an engaged voting bloc that is mobilizing at every level of the U.S. government: from the steps of Capitol Hill to state legislatures,” Lynaugh said. More than 600,000 crypto voters registered to vote in 2024 with SWC’s support. Lynaugh believes that SWC drove a majority of crypto voters to the polls last year, noting that this further proves how crypto votes matter for determining election outcomes. Lynaugh added that SWC sent out around 70,000 emails to senators when the GENIUS Act was being voted on. “We also organized a coalition letter signed by 65 crypto-focused orgs, representing 6,100 jobs across 21 states, to every member of the House in support of the CLARITY Act,” he said. Grassroots Organizations Influence State-Level Policy Grassroots organizations at the state level are also helping shape crypto policy . For example, the North American Blockchain Association (NABA) is building a state-by-state network to advance blockchain policy across North America. Wade Preston, director of community outreach for NABA, told Cryptonews that he specifically serves as the bridge between NABA’s member states and federal policy developments. “I help member states navigate the complexities to implement their policy initiatives. We’re empowering grassroots advocates in every state to make their voices heard and give them the tools they need to succeed in their jurisdictions,” Preston said. NABA has also encouraged the rise of other state-level organizations. Lee Bratcher, president of the Texas Blockchain Council (TBC), told Cryptonews that the TBC coordinates industry voices, educates policymakers, and drafts model legislation. For instance, Bratcher noted that TBC helped draft Texas’ HB 1666, along with the Texas Strategic Bitcoin Reserve legislation, SB 21 . “Our advocacy in Texas has led to one of the most favorable regulatory environments for digital assets in the U.S.,” Bratcher said. He added that while TBC was not directly involved in drafting the recent White House crypto report, the organization has actively contributed to the national policy dialogue. “This has been through invited testimony, public comment on proposed rules, and meetings with federal agencies. Our efforts have helped shape a more informed and nuanced approach to crypto regulation,” Bratcher commented. Crypto-friendly states like Florida also have communities helping to ensure that lawmakers understand Web3 technology to pass better policies. James Slusser, a Polkadot Senior Ambassador, told Cryptonews that Polkadot plays a key role in shaping crypto-friendly legislation by offering lawmakers a direct line to the technology’s builders. “Polkadot is in a unique position to educate and inform public policy. We support state-level engagement through organizations like the Florida Blockchain Business Association (FBBA) and the Texas Blockchain Council, while also contributing to national efforts through groups like the Blockchain Association and the North American Blockchain Association,” Slusser explained. He added that these platforms allow Polkadot to collaborate with policymakers and industry peers to advocate for clear, innovation-friendly regulation. “For example, this year I represented Polkadot during FBBA’s Blockchain Day at the Florida Capitol, where we met directly with lawmakers to discuss how Web3 technology can support economic growth, digital infrastructure, and citizen empowerment in the state of Florida,” Slusser said. Education Remains Key While it’s clear that grassroots organizations are helping influence crypto policies in the U.S., a key challenge remains education. Slusser pointed out that he believes the biggest issue here is bridging the gap between complex technical systems and public policy frameworks. “Many lawmakers are eager to learn but lack structured, neutral resources that explain blockchain technology in a meaningful way,” he said. Echoing this, Bratcher noted that overcoming misinformation and political inertia in Washington remains problematic. “Many lawmakers still misunderstand the technology or associate it with illicit activity,” he said. Education remains key to combat these challenges, which is why groups like TBC and Polkadot are focused on new initiatives. For instance, Slusser shared that earlier this year, Polkadot launched a “Blockchain Basics for Policymakers.” The course was led by Dr. Lisa Cameron, founder of the UKUS Crypto Alliance and a former Member of the British Parliament. “The course was held in Zug, Switzerland—often called Crypto Valley—and was attended by a cross-party delegation of British MPs, equipping them with practical knowledge about blockchain and Web3 technologies,” Slusser said. Bratcher added that TBC regularly hosts educational summits, like The North American Blockchain Summit and USSAIC in Washington, D.C. “This helps us maintain a constant presence with both state and federal policymakers.” Lynaugh further remarked that SWC has plans to launch college chapters in the future. “SWC has only been around for 2 years now, so we need more people to continue to join us and take action when the time comes,” he said.

Author: CryptoNews

2025/08/07

New Base network memecoin attracts crypto whales with trading bot

New Base network memecoin attracts crypto whales with trading bot

BlockSack has officially launched its crypto presale on the Base network, just as Coinbase rolls out its much-anticipated SocialFi application. #partnercontent

Author: Crypto.news

2025/08/06

MetaMask Plans USD Stablecoin Launch with Stripe Partnership, Governance Proposal Reveals

MetaMask Plans USD Stablecoin Launch with Stripe Partnership, Governance Proposal Reveals

A governance proposal circulating within MetaMask’s community reveals plans to launch “MetaMask USD” (mmUSD) through a partnership with Stripe’s payment infrastructure, potentially creating a direct competitor to established stablecoins like USDC and USDT. The proposal outlines building mmUSD on the M⁰ network for decentralized issuance and settlement, with Stripe serving as the issuing partner to provide regulatory clarity and trusted fiat backing. Source: Aggr News MetaMask Leverages 30M User Base to Challenge USDC Dominance MetaMask serves over 30 million monthly active users globally through one of the most widely used non-custodial wallets in Web3. The proposed mmUSD would function as a base currency throughout MetaMask’s ecosystem while integrating with DeFi protocols like Aave for lending, borrowing, and yield opportunities. The stablecoin initiative follows MetaMask’s recent card launch in partnership with Baanx and Mastercard, enabling users to spend crypto directly from self-custody wallets without surrendering control to banks or exchanges. Neither MetaMask nor Stripe has officially confirmed the development, leaving key details about reserve models and regulatory compliance unaddressed. In fact, the initial governance post has been made private. The proposal aligns with an industry-wide stablecoin rush following the GENIUS Act passage, which established a federal regulatory framework for stablecoin issuance. The legislation sparked interest from major corporations, including Western Union, Interactive Brokers, and Remitly, all exploring stablecoin integration for payment modernization. Stablecoin Market Explodes as GENIUS Act Unlocks Corporate Interest The stablecoin sector has expanded rapidly to over $250 billion in market capitalization, with Ripple CEO Brad Garlinghouse projecting growth to $1-2 trillion within the next few years. The GENIUS Act, signed by President Trump in July , distinguishes stablecoins as payment tools rather than investment products while establishing clear regulatory guidelines. Western Union CEO Devin McGranahan announced pilot programs in South America and Africa to modernize global remittance operations through stablecoins. The company views stablecoins as opportunities to streamline cross-border transfers and improve currency conversion in underserved markets where global remittance fees average 6.6%. Interactive Brokers founder Thomas Peterffy has also confirmed the firm is exploring stablecoin launch options , potentially enabling real-time funding for brokerage accounts. The $110 billion market value company serves nearly 3.9 million customers and already supports crypto trading through partnerships with Paxos and Zero Hash. 📲 Payments processor @remitly will soon integrate stablecoins into its global network, aiming to speed up and reduce the cost of international money transfers. #Remitly #Stablecoins https://t.co/VCG75mundR — Cryptonews.com (@cryptonews) August 5, 2025 Most recently, Remitly launched beta testing for its multi-currency digital wallet supporting both fiat and stablecoins , with live deployment scheduled for September. The Seattle-based fintech added stablecoin payout options through Bridge, a Stripe-owned infrastructure provider, while integrating USDC into internal treasury operations. All these corporate adoptions come as Federal Reserve Governor Christopher Waller acknowledged the significance of stablecoins, noting that 99% of stablecoin market capitalization is linked to the US dollar. The federation believed that “stablecoins can keep the dollar the world’s reserve currency” by making it more accessible worldwide. Corporate Giants Defy New Regulations While Adoption Accelerates Coinbase and PayPal continue offering stablecoin yield programs despite the GENIUS Act provisions explicitly banning interest payments from stablecoin issuers. Both companies argue the restrictions don’t apply because they operate as intermediaries rather than direct issuers of the stablecoins they reward. 💵 @Coinbase and @PayPal are pushing forward with stablecoin yield programs, despite new US legislation banning such incentives for issuers. #Coinbase #PayPal https://t.co/F4bTmQbl6J — Cryptonews.com (@cryptonews) August 5, 2025 Coinbase CEO Brian Armstrong stated, “We are not the issuer,” while defending the company’s 4.1% APY rewards on USDC holdings. Though Coinbase co-developed USDC with Circle, it ceased formal issuing responsibilities in 2023, with Circle now serving as the sole issuer without offering direct yield. PayPal offers 3.7% annual returns on PYUSD holdings through both PayPal and Venmo platforms. While PYUSD bears PayPal’s name, technical issuance by third-party firm Paxos allows PayPal to claim exemption from GENIUS Act restrictions. Previously, Senator Elizabeth Warren warned that private stablecoin launches could create privacy invasions and systemic risks, predicting companies would “come begging for bailout when it inevitably blows up.” Despite criticism, global corporations, including Amazon, Walmart, JD.com, and Alipay , continue exploring stablecoin integration. The competitive stablecoin space has intensified with approximately 20 million addresses now transacting with stablecoins on public blockchains. MetaMask’s proposed entry would leverage its massive user base and Stripe’s compliance infrastructure to claim its share of the market.

Author: CryptoNews

2025/08/06

Laser Digital Receives Dubai VARA License to Launch OTC Crypto Options

Laser Digital Receives Dubai VARA License to Launch OTC Crypto Options

PANews reported on August 6th that according to CoinDesk, Nomura's crypto subsidiary, Laser Digital, has received a restricted license under the Dubai Virtual Asset Regulatory Authority (VARA) pilot program, becoming

Author: PANews

2025/08/06

Justin Sun confirms USDJ service discontinuation—deadline set for August 31

Justin Sun confirms USDJ service discontinuation—deadline set for August 31

Justin Sun’s first JST-stablecoin on the TRX ecosystem, USDJ, will formally end its services at the end of August. Here’s what we know so far about the permanent wind-down. In a recent post, the JUST DAO reminded holders to migrate…

Author: Crypto.news

2025/08/06

$10m SEC settlement hits MyConstant founder over TerraUSD investment and misuse of funds

$10m SEC settlement hits MyConstant founder over TerraUSD investment and misuse of funds

The United States Securities and Exchange Commission has finalized a settlement with the founder of MyConstant, ordering him to pay over $10 million in penalties and restitution for misusing investor funds and making false claims about his platform’s crypto lending…

Author: Crypto.news

2025/08/06

Jupiter launches private beta for Jupiter Lend

Jupiter launches private beta for Jupiter Lend

Jupiter has launched the private beta of Jupiter Lend, its long-awaited decentralized lending platform built on Solana.  The rollout, announced Aug. 6, is available to users who joined the early access waitlist, with a full public release scheduled later this…

Author: Crypto.news

2025/08/06

MyConstant founder to pay $10 million to settle SEC charges that he misappropriated investor funds to buy UST

MyConstant founder to pay $10 million to settle SEC charges that he misappropriated investor funds to buy UST

PANews reported on August 6 that according to Cointelegraph, the U.S. Securities and Exchange Commission (SEC) disclosed that Huynh Tran Quang Duy (also known as Duy Huynh), the founder of

Author: PANews

2025/08/06

Jupiter Lend, a lending protocol, will be launched in phases, with private beta starting today.

Jupiter Lend, a lending protocol, will be launched in phases, with private beta starting today.

PANews reported on August 6th that Jupiter, the Solana ecosystem DEX, announced on the X platform that its lending protocol, Jupiter Lend, will be launched in phases, starting with a

Author: PANews

2025/08/06

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