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.

16162 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
TenX Protocols TSX Venture Exchange Listing: A Bold Leap for Crypto Staking Infrastructure

TenX Protocols TSX Venture Exchange Listing: A Bold Leap for Crypto Staking Infrastructure

BitcoinWorld TenX Protocols TSX Venture Exchange Listing: A Bold Leap for Crypto Staking Infrastructure The cryptocurrency landscape is witnessing a significant institutional milestone. Blockchain infrastructure firm TenX Protocols has announced its upcoming listing on Canada’s TSX Venture Exchange, marking a pivotal moment for crypto staking services entering traditional public markets. This move follows a successful $22.9 million fundraising round and signals growing mainstream financial acceptance of core blockchain operations. […] This post TenX Protocols TSX Venture Exchange Listing: A Bold Leap for Crypto Staking Infrastructure first appeared on BitcoinWorld.

Author: bitcoinworld
Pound Sterling rises against US Dollar, Fed rate cut anticipated

Pound Sterling rises against US Dollar, Fed rate cut anticipated

The post Pound Sterling rises against US Dollar, Fed rate cut anticipated appeared on BitcoinEthereumNews.com. The Pound Sterling (GBP) trades 0.16% higher to near 1.3320 against the US Dollar (USD) during the European trading session on Wednesday. The GBP/USD pair gains as the US Dollar drops slightly amid caution ahead of the Federal Reserve’s (Fed) monetary policy announcement at 19:00 GMT. At the time of writing, the US Dollar Index (DXY), which tracks the Greenback’s value against six major currencies, is down 0.1% around 99.10. The US Dollar has come under pressure as the Fed is almost certain to cut interest rates by 25 basis points (bps) to 3.50%-3.75%. According to the CME FedWatch tool, the probability of the Fed cutting interest rates in this meeting is 87.6%. This will be the third interest rate cut by the Fed in a row. Firm Fed dovish expectations are built on concerns about the US labour market, which has shown signs of weak job growth in the last few months. In the October monetary policy meeting, Fed Chair Jerome Powell also acknowledged that the “labour demand has clearly softened”. However, he strongly argued against reducing interest rates in the last meeting of 2026. “December cut is not for sure, far from it,” Powell said. In late November, New York Fed President John Williams also warned of downside employment risks, but shared a contrarian view from Powell, stating that there is room for further interest rate cuts as the policy is still moderately restrictive. Investors will also focus on the Fed’s monetary policy statement, dot plot, and Chairman Powell’s press conference this Wednesday to get fresh cues on the monetary policy outlook. The Fed is unlikely to endorse an aggressive monetary easing stance as inflation has remained well above the 2% target for a long period. Daily digest market movers: Pound Sterling gains as BoE favors gradual policy…

Author: BitcoinEthereumNews
Twenty One Capital (XXI) Stock: Drops 20% on NYSE Launch Despite $4B Bitcoin Holdings

Twenty One Capital (XXI) Stock: Drops 20% on NYSE Launch Despite $4B Bitcoin Holdings

TLDR XXI shares fell 20% in trading debut, closing at $11.42 versus $14.27 SPAC merger price Company holds 43,514 Bitcoin valued at $4+ billion, third-largest public holder CEO Jack Mallers promises revenue-generating businesses in brokerage, credit, and lending Tether, SoftBank, and Bitfinex backed the venture with $850M in capital Stock recovered slightly to $11.80 in [...] The post Twenty One Capital (XXI) Stock: Drops 20% on NYSE Launch Despite $4B Bitcoin Holdings appeared first on Blockonomi.

Author: Blockonomi
Top 9 exchanges of December 2025

Top 9 exchanges of December 2025

The post Top 9 exchanges of December 2025 appeared on BitcoinEthereumNews.com. Cryptocurrency has seen large-scale adoption in the past few years, with a global user base of 1.2 billion. This influx can be attributed to various factors such as growing institutional adoption and integration of crypto into mainstream traditional financial systems. Although there is a growth in the number of users, there is also a need for awareness about how to navigate the space. Exchanges are a core part of the crypto ecosystem, and for a new user, it can be intimidating to pick an exchange to start trading. Here are some of our top picks for the best exchanges in the space: 1. Binance Binance is the world’s largest crypto exchange by trading volume and has over 250 million registered users, making it a popular choice for traders. From its initial launch in 2017, the platform has been a trusted partner for users in the crypto space. The exchange offers a wide range of features for its users, including margin trading, staking, spot, and futures trading. Binance also has a secure crypto wallet, a peer-to-peer trading platform, and Binance Earn. The platform supports over 500 cryptocurrencies and tokens across various categories and regularly adds new coins and tokens for better trading options. 2. Crypto.com Crypto.com is an exchange that envisions accelerating the world’s transition to cryptocurrency and has over 140 million users in 90 countries. The platform was founded in 2016, and apart from being a crypto exchange, it also has a mobile app, NFT marketplace, DeFi wallet, and direct payment solutions. Additionally, users can conduct spot trading, margin trading, and derivatives trading on the platform with support for 200 cryptocurrencies. Crypto.com’s dedication to DeFi can be seen by its effort to offer users a DeFi wallet and an ecosystem on Crypto.org powered by its native token Cronos. 3. OKX OKX was launched…

Author: BitcoinEthereumNews
The Best Crypto to Buy Now Isn’t Shiba Inu (SHIB), It’s This $0.035 DeFi Token Expected to Explode

The Best Crypto to Buy Now Isn’t Shiba Inu (SHIB), It’s This $0.035 DeFi Token Expected to Explode

The post The Best Crypto to Buy Now Isn’t Shiba Inu (SHIB), It’s This $0.035 DeFi Token Expected to Explode appeared first on Coinpedia Fintech News As investors search for the best crypto to buy now, many are realizing that traditional meme tokens like Shiba Inu (SHIB) may no longer offer the same upside potential they once did. Enter Mutuum Finance (MUTM), a $0.035 DeFi crypto that is rapidly gaining attention for its combination of early adoption, functional utility, and explosive …

Author: CoinPedia
Revolutionary Shift: Pineapple Financial Migrates Mortgage Data to Injective Blockchain

Revolutionary Shift: Pineapple Financial Migrates Mortgage Data to Injective Blockchain

BitcoinWorld Revolutionary Shift: Pineapple Financial Migrates Mortgage Data to Injective Blockchain Imagine a world where your mortgage paperwork is not just a stack of documents but a secure, transparent digital record on a blockchain. That future is now unfolding as Pineapple Financial, a NYSE-listed fintech firm, begins a groundbreaking migration of its mortgage data to the Injective blockchain. This move signals a major leap for real-world […] This post Revolutionary Shift: Pineapple Financial Migrates Mortgage Data to Injective Blockchain first appeared on BitcoinWorld.

Author: bitcoinworld
Morning Crypto Report: XRP Ready to Unlock Solana, Shiba Inu (SHIB) Rockets 30% in Volume, SpaceX Moves $100 Million in Bitcoin While Elon Musk Stays Silent

Morning Crypto Report: XRP Ready to Unlock Solana, Shiba Inu (SHIB) Rockets 30% in Volume, SpaceX Moves $100 Million in Bitcoin While Elon Musk Stays Silent

The post Morning Crypto Report: XRP Ready to Unlock Solana, Shiba Inu (SHIB) Rockets 30% in Volume, SpaceX Moves $100 Million in Bitcoin While Elon Musk Stays Silent appeared on BitcoinEthereumNews.com. Midweek on the crypto market opens with that classic “nothing huge on the chart, but everything important is brewing under the surface” feeling. The charts are not exploding, yet narratives are lining up: Solana keeps poking the XRP crowd, SHIB’s order books show fresh activity instead of fatigue and a nine-figure Bitcoin transfer from a SpaceX wallet reminds everyone that Elon Musk’s private empire still sits right in the middle of the crypto-capital conversation. TL;DR Axelar bridge to bring XRP and RLUSD into the Solana ecosystem. Shiba Inu’s 24-hour volume jumps about 33% to nearly $152 million, while the price adds around 6%. SpaceX moves 1,021 BTC worth about $94.48 million to new wallets, likely Coinbase Prime custody, with zero public comment from Musk. XRP may be days away from entry into Solana Over the last 48 hours, Solana has been openly courting the XRP community. First came the now legendary “589” post, which took aim at one of the oldest XRP memes based on a long-running Simpsons-style prophecy. Then the main Solana account doubled down, with a medieval meme placing XRP alongside Bitcoin and SOL, which suggests a level of commitment beyond mere engagement-chasing. Prominent community member Crypto Eri spelled out the most realistic scenario in one tweet: the real news that is hinted there could be announced at Solana Breakpoint, where a bridge powered by Axelar for XRP and Ripple’s RLUSD stablecoin will be unveiled. This would finally enable Solana to pull XRP liquidity into its DeFi stack in a clean, permissionless way, rather than waiting on centralized wrappers. You Might Also Like If this is what is coming, the use cases line up instantly: XRP and RLUSD could be used for lending, borrowing and yield farming, as well as filling arbitrage routes across Solana DEXes. They could also be staked…

Author: BitcoinEthereumNews
From DeFi infrastructure to RWA leader, how has Ondo seized every market opportunity?

From DeFi infrastructure to RWA leader, how has Ondo seized every market opportunity?

Deng Tong, Jinse Finance On December 9, 2025, Ondo Finance announced that the U.S. Securities and Exchange Commission's confidential investigation into Ondo had concluded without bringing any charges. "This investigation aimed to examine whether Ondo's tokenization of certain real-world assets complied with federal securities laws, and whether ONDO tokens were securities." I. Original post from Ondo Finance's official blog The United States has taken a significant step towards tokenized securities. Ondo Finance has received formal notification that a long-running, secret investigation by the U.S. Securities and Exchange Commission (SEC) launched during the Biden administration to scrutinize digital asset companies has concluded without any charges being brought. This investigation aims to examine whether Ondo's tokenization of certain real-world assets complies with federal securities laws and whether ONDO tokens are securities. Ondo has fully cooperated with the investigation. Ondo firmly believes that regulated and transparent tokenization models like Ondo's not only meet investor protection principles but also strengthen them. This moment is a significant milestone not only for Ondo, but also for the entire tokenization industry. When the investigation began in 2024, the regulatory environment for digital assets in the United States was cautious, chaotic, and occasionally prone to over-enforcement. It was against this backdrop that Ondo: The first and largest tokenization platform for US Treasury bonds; One of the few companies focused on large-scale tokenization of publicly traded stocks; It quickly gained favor with global investors. Those who start early and achieve success will naturally be scrutinized. Amidst the collapse of cryptocurrency exchanges and the proliferation of speculative tokens in policy discussions, Ondo is leveraging public blockchains to build practical, user-friendly, and regulated financial products. As a result, these innovators, dedicated to developing the safest assets in traditional finance, find themselves embroiled in broader law enforcement actions. Ondo's growth and leading position in the emerging tokenization field have brought us into focus, but they are not a reasonable target of this investigation. As the investigation concludes, we will continue to uphold our consistent principles and remain firmly committed to innovation, compliance, security, and investor protection. A Shift in the Washington Situation: The Path to Tokenized Securities Becomes Clearer This decision also reflects a broader shift in U.S. policy. Regulators are reassessing Biden-era policies on digital assets. Washington has begun to reverse or moderate some of the aggressive measures taken by the previous administration, recognizing that innovation and investor protection are not mutually exclusive. Tokenization is now officially on the agenda of the U.S. Securities and Exchange Commission (SEC). The SEC's Investor Advisory Committee is assessing how tokenization can revolutionize the issuance, trading, and settlement processes of publicly traded stocks, a stark contrast to the SEC's enforcement-first stance in recent years. The market has already provided the answer: the adoption of tokenization technology is accelerating. Tokenization of US Treasury bonds has become one of the fastest-growing on-chain asset classes, while the recently launched tokenization of stocks is also showing strong growth momentum. The U.S. infrastructure is constantly evolving to support tokenization. Ondo's recent acquisition of Oasis Pro has given it a broker-dealer, alternative trading system (ATS), and transfer agent licenses, giving it a fully regulated business foundation in the U.S. tokenized securities space. The resolution of the SEC investigation marks the end of one chapter and the beginning of another for Ondo. In short, the time is ripe for tokenized securities to become a core component of the US capital markets. The future of global finance, including the US capital markets, will move towards on-chain transactions, and Ondo will lead this transformation. So what's next? On February 3, 2026, we will share the next phase of our roadmap at the Ondo Summit in New York, where we will bring together leading regulators, policymakers, and executives from the traditional financial sector to articulate our vision for a new era of on-chain finance. II. Overview of Ondo's Development Ondo Finance officially launched on July 27, 2021. Founded by Nathan Allman and Pinku Suran, Ondo aims to "accelerate the adoption of DeFi among mainstream investors by enabling sophisticated trading of risk." The protocol officially launched on the same day and offered four vaults at launch. Ondo's goal is to "bring institutional-grade financial products and services to a wider audience" by tokenizing traditional financial assets (such as US Treasury bonds, money market funds, bonds, stocks/ETFs, etc.), allowing ordinary users to access the returns and liquidity of traditional financial assets. Ondo's development trajectory clearly demonstrates its strategic upgrade from DeFi infrastructure to a core player in RWA, and its two major version iterations are a microcosm of the industry's transformation. Ondo V1: Focus on DeFi Infrastructure Ondo V1 was already running on Ethereum when it launched, and it was the first implementation of the protocol, with vaults and Liquidity as a Service (LaaS) as its core products. The following significant developments occurred during the development of this implementation: In November 2021, Ondo partnered with Fei Protocol to launch Liquidity as a Service (LaaS), designed to replace the traditional liquidity mining model. LaaS allows projects to increase the liquidity of their tokens on decentralized exchanges. Projects can deposit their tokens into Ondo's liquidity vault, and Fei will match them with an equivalent value of the FEI stablecoin. Ondo expanded its LaaS service through the following partnerships: In December 2021, Ondo partnered with Frax Finance to expand its LaaS product, with Frax Finance using its FRAX stablecoin to provide liquidity for tokens such as AMP. In May 2022, Ondo partnered with Angle Protocol to expand its LaaS offerings, with Angle Protocol using its agEUR stablecoin to provide liquidity for tokens such as PAL. It is worth noting that Ondo V1 has ceased service, and from March 5, 2024, users can only withdraw funds from it. Ondo V2: Becoming a Core Player of RWA Ondo V2 was officially launched in January 2023, and is the second implementation of this protocol. The following significant developments occurred during the development of this implementation: In January 2023, Ondo announced the launch of three tokens backed by U.S. Treasury bonds and corporate bonds. Although OSTB and OHYG have ceased issuance, the Ondo U.S. Government Bond Fund (OUSG) remains Ondo's most widely circulated token. In January 2023, Ondo announced the launch of Flux Finance (Flux) and initiated the Ondo DAO to manage Flux. In February 2023, Flux officially launched, and the first proposals to use ONDO tokens were approved. In April 2023, Ondo announced the establishment of the Ondo Money Market Fund (OMMF). In August 2023, Ondo announced the launch of Ondo Dollar Yield (USDY). In November 2023, Ondo opened the Ondo Bridge. In January 2024, the Ondo Foundation proposed to lift the "global lock-up" of ONDO tokens. This proposal included official details regarding the allocation, use, and future unlocking plans for ONDO tokens. The adoption of this proposal marked the "public offering" of ONDO tokens. In January 2024, the Ondo Foundation announced the Ondo Points program and launched the “first wave” of the program later that month. In February 2024, Ondo announced its plans for Ondo Global Markets (Ondo GM), a platform that will allow users to access traditional securities on-chain through tokenization. In March 2024, Ondo Finance launched 24/7/365 instant subscription and redemption services for OUSG, and a large portion of OUSG's assets were transferred to BlackRock's BUIDL Treasury Fund. In February 2025, Ondo Global Markets officially launched. The announcement stated that the tokens issued by Ondo GM would be backed 1:1 by the underlying assets. In March 2025, TVL reached $1 billion, thanks to compliance-first customer acquisition, the partnership with BitGo, and smart contracts that comply with US regulations. In June 2025, the team announced the formation of the Global Markets Consortium, which aims to "harmonize industry standards and promote the interoperability of tokenized securities." Members include the Solana Foundation, Bitget Wallet, Jupiter, Trust Wallet, Rainbow Wallet, BitGo, Fireblocks, 1inch, and Alpaca. In October 2025, Ondo submitted a letter to the U.S. Securities and Exchange Commission proposing to amend Nasdaq's rules on trading tokenized securities. III. Ondo's Secret: Seizing Every Market Opportunity Looking at the timeline above, from DeFi to RWA, and now to the SEC ending its investigation, Ondo has seized every market opportunity, which may be the secret to its continued popularity. In June 2020, the DeFi Summer erupted, with Compound launching its governance token COMP and initiating a liquidity mining mechanism—users could earn COMP token rewards by lending and borrowing on the Compound platform. This innovative model quickly ignited market enthusiasm and became the core driving force behind the DeFi Summer. However, by the second half of 2021, the unsustainability of liquidity mining became apparent: continuing to mine would lead to token inflation, while halting it would result in a liquidity crunch. Ondo recognized the pain points in the crypto market and launched "Liquidity as a Service": Projects deposit their native tokens into Ondo's dedicated liquidity pools within flexible timeframes, based on their own needs. Ondo then pairs these tokens with equivalent asset pools provided by partner entities such as Frax, Fei, and Angle, creating compliant and balanced liquidity pairs. These paired liquidity pairs are then deployed to designated decentralized exchanges (DEXs) to inject trading liquidity into the project's native tokens, ensuring smooth trading. Upon expiration of the partnership, Ondo withdraws the corresponding liquidity and mining profits from the exchanges. It then returns the assets to the project, pays the pre-agreed fixed interest to the partners, and returns any remaining profits to the project. At this time, Ondo was a DeFi infrastructure provider that solved the unsustainability problem caused by liquidity mining. In 2022, Terra's algorithmic stablecoin UST and its native token LUNA experienced a death spiral collapse, triggering a DeFi trust crisis overnight. Against this backdrop, Ondo turned its attention to the RWA track, which was then truly emerging and entering a phase of rapid development. In 2023, Ondo V2 was launched, with its core product being tokenized U.S. Treasury bonds (OUSG). OUSG's underlying asset is the iShares Short-Term U.S. Treasury ETF from BlackRock, ensuring both security and liquidity, thus giving OUSG a low-risk profile. OUSG can be integrated with DeFi protocols such as Flux Finance that support compliant, licensed assets. After acquiring the tokens, investors can transfer ownership between each other and engage in lending and other financial activities through compliant smart contracts. The launch of OUSG demonstrates the feasibility of tokenizing low-risk traditional financial assets. The SEC, led by Gensler, has frequently targeted the crypto market. Two years ago, the crypto industry experienced a regulatory "winter," and in October 2023, the SEC launched an investigation into Ondo. The SEC's core focus was whether Ondo's tokenization process of its U.S. Treasury products complied with securities regulations, and whether the ONDO token should be considered a security. This investigation lasted for two years. On October 6, 2025, Ondo Finance completed the acquisition of Oasis Pro, an SEC-licensed brokerage firm. This acquisition aimed to help Ondo advance its tokenized securities business within a compliant framework. On December 6, Ondo submitted its tokenized securities roadmap to the SEC, advocating for support for multiple asset ownership models and promoting broader on-chain integration to help the United States maintain its leading position in the asset tokenization transformation. Following its compliance efforts, Ondo has not faced any charges, a significant regulatory boon for the crypto industry. Conclusion From DeFi to RWA, and then to compliant development, Ondo has accurately grasped industry trends and seized every opportunity brought by emerging trends. Now that the SEC investigation has concluded, Ondo is completely free of constraints. Where will Ondo set its sights in the future? Perhaps the New York Summit in February 2026 will provide us with an opportunity to find out.

Author: PANews
KindlyMD Turns to Kraken as Fourth Provider for Bitcoin-Backed $210M Loan at 8%

KindlyMD Turns to Kraken as Fourth Provider for Bitcoin-Backed $210M Loan at 8%

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KindlyMD Turns to Kraken as Fourth

Author: Coindesk
The TechBeat: Building a RAG System That Runs Completely Offline (12/10/2025)

The TechBeat: Building a RAG System That Runs Completely Offline (12/10/2025)

How are you, hacker? 🪐Want to know what's trending right now?: The Techbeat by HackerNoon has got you covered with fresh content from our trending stories

Author: Hackernoon