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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.

15940 Articles

Created: 2026/02/02 18:52

Updated: 2026/02/02 18:52

Durban’s Rising Creative Wave: Why More Designers Are Training Locally in 2026

For years, Durban’s creative industry took a backseat to the agency scene in Cape Town or the corporate design market in Johannesburg. But in 2025 and as it goes into 2026, something far more interesting is going on: Durban is not just keeping up-it is carving out its own identity as the training ground for […] The post Durban’s Rising Creative Wave: Why More Designers Are Training Locally in 2026 appeared first on TechBullion.

Author: Techbullion

2025/12/03

Bitcoin (BTC) Price Rebounds As Experts Predict Funds Will Move To This New Crypto Coin

Bitcoin appears to be experiencing signs of a potential cyclical turn around based on the fact that the “Hash Ribbon” indicator, which draws from an important on-chain data point related to capitulations in the hashrate itself based on moving averages, has triggered a signal that in the past has generally represented times when the market […]

Author: Cryptopolitan

2025/12/03

IPO Genie, Ozak AI, and Bitcoin Hyper: A High-Stakes Presale Comparison Ahead of the 2025 Momentum Shift

Presale comparison of IPO Genie ($IPO), Ozak AI, and Bitcoin Hyper reveals which token is positioned to ride the 2025 shift. Utility, tokenomics, and growth potential analyzed.

Author: Blockchainreporter

2025/12/03

How the Tenure of Your FD Affects Its Interest Rate

Introduction Tenure length significantly influences your fixed deposit returns, but the relationship isn’t simply “longer equals higher rates” as many assume. Different tenures serve different purposes, and understanding how institutions price deposits across time periods helps you match your investment duration to both the best available rates and your actual liquidity needs. The tenure you […] The post How the Tenure of Your FD Affects Its Interest Rate appeared first on TechBullion.

Author: Techbullion

2025/12/03

Next Big Crypto Showdown: LivLive, XRP, or Cardano – Analysts Weigh In on the Next 500x Crypto

Analysts weigh in as LivLive’s presale surges past $2.18M with a 300% Black Friday bonus. Could this be the next big crypto to rival XRP and Cardano?

Author: Blockchainreporter

2025/12/03

From "Verifiable Computers" to "Internet Property Rights": Ethereum's Next Decade

Author: Zhixiong Pan, ChainFeeds At the Ethereum Devconnect ARG, Fede, the founder of LambdaClass, delivered a passionate and thought-provoking speech. He abandoned the traditional "world computer" narrative, redefining Ethereum as the first "verifiable computer" in human history. Fede believes that this "antifragility," which does not rely on trust but is based solely on mathematical and economic incentives, is the fundamental cornerstone for Ethereum to establish internet ownership and support a multi-trillion-dollar "global economy." However, this was not a simple celebration, but a jarring wake-up call. Faced with the rise of high-performance public chains like Solana, Fede bluntly stated that the Ethereum community is facing the risk of "death by complacency." From denouncing the false prosperity of "most L2 implementations simply not working" to criticizing Solidity's self-defeating development experience, he called on the community to break free from its information cocoon and rediscover the ambition and fighting spirit of the "Bronze Age." He quoted the former CEO of Intel as warning the audience: in the brutal competition of technology, "only the paranoid survive." From pushing the performance limits of 1 Gigagas to building the architectural vision of Lean Ethereum, Fede uses the most hardcore technical details and the most sincere emotions to demonstrate how Ethereum can maintain its dominance over the next decade. This is not just a technology roadmap, but also a declaration of war against mediocrity. The following is a transcript of the highlights of this speech. Speaker: Fede (LambdaClass) Today I'm going to talk about Ethereum's next decade: from "verifiable computer" to "global economy". Core definition: Ethereum is the first "verifiable computer". To me, Ethereum is a verifiable computer. I've never really liked the "world computer" meme. I think AWS or Google are the real "world computers." They have countless funds and servers, but you have to trust them. Ethereum's biggest difference from them is its verifiability. Ethereum is the world's first verifiable computer that doesn't require trust in the computation itself, but only in economic incentives and mathematics. This gives it a significant advantage over AWS or Google Cloud. In traditional cloud services, everything is based on trust, and trust can be broken. A few days ago, I saw on Twitter that someone hacked into Bing and modified the movie list. If you searched for "top 10 movies," the results were tampered with. In this case, you are actually trusting the hacker. This kind of thing is impossible on Ethereum unless the entire network is compromised, but that's extremely difficult because you would have to compromise multiple teams and multiple client implementations simultaneously, and everyone would be able to see the attack. This makes Ethereum anti-fragile. Every attack attempt, whether by North Korea, other national actors, or private hackers, actually makes Ethereum stronger because it continues to operate and handles huge sums of money. Verifiable changes brought about by computers It can be verified that the computer has realized genuine Internet Property Rights. True ownership: You no longer need to click "agree to the terms" to hand over your data to tech giants; instead, you control everything through your private key. The private key is more reliable than any terms of service. Global neutrality: Chinese developers, Russian traders, US funds, and Argentinian users all compete on the same level playing field. The cornerstone of artificial intelligence: In the next decade, we will tokenize everything, from art and land to AI. This is crucial. If the future is driven by AI, hackers will have a huge incentive to tamper with its parameters. We need Ethereum to verify whether AI is functioning as expected. Current Status and Product-Market Fit (PMF) Ethereum has created a complete economy. This is not just a $300 billion scale, but rather the processing of $3 trillion in transactions monthly through stablecoins—three times the size of Visa. Our biggest advantage over Visa or the NYSE is composability. All funds, assets, and artworks are in one place and can be exchanged at any time. This creates a flywheel effect. In this sense, Ethereum is less fragmented than global capital markets because it operates 24/7. Ethereum's current Product-Market Fit (PMF) can be summarized as follows: Decentralized/permissionless verifiability. Privacy (a feature we need to build at the core layer). Stablecoins (programmable, private, borderless US dollars). Technical challenges: the tough nuts to crack. To continue winning over the next decade, I must "grumble" from a technical perspective. Here are the challenges I see: 1. Performance We (LambdaClass) are building an Ethrex client. A team just told me we're only 10% behind Reth in performance. Most clients, besides Nethermind, Reth, Geth, and us, struggle with performance. Without raising the hardware requirements for validators, we will find it difficult to achieve the performance needed to compete with technologies like Solana. This touches on a sensitive topic: Gas Limit. For the past three years, our decision not to increase the Gas Limit has slowed us down. I believe we can increase speed while maintaining verifiability. This used to be a taboo subject, but now, for the sake of competition, we need to accelerate. We cannot wait if other execution layers fall behind. Ethereum is more important than any single team. I'm also reflecting on this: Is Ethereum's goal really to allow everyone to run nodes at home with a $50 Raspberry Pi? I'm not sure. Maybe as long as the verification cost is low enough (a few thousand dollars or even a few dollars), it doesn't necessarily have to be an extremely low barrier to entry. 2. Scalability I think we should increase the gas limit by 100 times. The cheaper it is, the more people will use it. YouTube was born only after the internet became faster. Furthermore, I'm a big fan of RISC-V and not a big fan of Solidity. Solidity doesn't represent Ethereum. While it has made significant contributions, it has many problems. I believe RISC-V should be the default standard. Regarding Layer 2: Frankly, most L2 technology stacks simply don't work. You clone the codebase and run it, and it's broken. The current incentive is "issue a token and then ignore it, let it die." If you believe in a Rollup-centric roadmap, we must make running Rollups extremely simple. We are working to make Ethrex run L2 with a single command. 3. Interoperability and Decentralization The AWS outage a few days ago caused some rollups to crash, which was terrible. The Solana community mocked us, and I think they have a point. We need to move to "Stage 2," which requires a decentralized sequencer, based rollups (reusing L1 pipelines to build L2), and technologies like CommitBoost for pre-confirmations. 4. Privacy I've received a call from a lawyer warning me I was in big trouble, so I deeply empathize with this. We need to support all developers dedicated to privacy (like Roman, Alexei, and the developers of Samurai Wallet). If I wanted my mother to use Ethereum, she certainly wouldn't want all her transactions to be visible to the entire world. Currently, the rules regarding privacy development are very vague, and we need to work together to address them. 5. Security There are too few maintainers for the Solidity compiler; only one or two people on GitHub. This is Ethereum's most important programming language, yet it faces a huge risk of insufficient manpower. Solidity's syntax is simple, but it's easy to write security vulnerabilities. As a developer who has used over 20 languages, writing Solidity felt like shooting myself in the foot. We need a better compiler, or a long-term solution like RISC-V ZKVM. 6. The Post-Quantum Era We are working with Justin Drake to develop Lean Ethereum. Compared to Bitcoin, Ethereum has a huge advantage in deploying post-quantum cryptography because we allow for multi-client implementations and have a more open community, even if it means we are making some radical changes. Social and Cultural Challenges: Rejecting Mediocrity I'm a die-hard Ethereum fan, and my company relies on Ethereum, but I must be frank: We need to adopt a "Bronze Age" mentality: don't think, "We've either won or we're winning." Complacency leads to stagnation. Look at Intel; once a giant, it's now been left behind by NVIDIA and AMD. We need to maintain our hunger and ambition. Break free from closed-door processes: Science and engineering require open debate. Important decisions like EOF (Ethereum Object Format) should not be made in closed-door meetings. Closed-door decision-making makes it easy for state actors to control the network by infiltrating key decision-makers (see the OpenBSD case). Learn from competitors: I've attended every Solana Breakpoint conference, not because I support Solana, but because I want to learn from the competition. Linux succeeded by replicating the strengths of Solaris and open-sourcing it. We need this attitude. Refuse echo chambers: We need to pay those who offer dissenting opinions (contrarians). In my company, some partners frequently criticize me, which hurts me, but it creates a positive feedback loop. Without a good culture, there will be no good technology in the long run. What is LambdaClass doing? We're not just complaining, we're also taking action: Partnerships with governments in Latin America: In Argentina (Project Sobra), Mexico, and Colombia, we are conducting identity verification, KYC, and lending operations via on-chain IDs. Global infrastructure: Establishing passport and property rights infrastructure in Africa and Central Asia (such as Uzbekistan). Technology stack: Building Ethrex (L1 client), L2 stack based on SP1 and Zisk, ZKVM in collaboration with TMI Labs, and privacy and decentralized AI projects. Partner: We are working with IRSA (Argentine real estate giant) to streamline payment channels. Q&A Session Q: How do you feel about Devconnect being held in Argentina right now? I'm happy. Very happy. I'm so glad my mother was there; she finally understands what I'm doing. I'm also happy to show the world what we're doing. Q: What do you think is the most important measure at present? Lean Ethereum. I wasn't a big fan of the "Ultrasound Money" meme before. But Lean Ethereum is like a cathedral. When Justin Drake and I were walking through a cathedral in Cambridge, he asked me, "Do you think people will look at Ethereum's design like this cathedral 500 years from now?" I said, "Yes, and you'll be one of the architects." Q: How much do you think the Gas Limit can be improved in the near future? Thanks to Nethermind's amazing engineering capabilities (though I don't like the C# language), and our efforts with Reth, I believe we can achieve 300-400 Megagas on good servers. In the coming years, as technology improves, our goal is to reach 1 Gigagas. Q: You've interacted with all sorts of people, from government officials to developers. What do they have in common? Even those bigwigs who don't fully understand Ethereum (royalties, billionaires) know this is "for real." They trust "nerds" because nerds aren't just driven by money. They see Ethereum as the winner of the future. Q: What advice do you have for young builders? Don't raise funds until you've found product-market fit (PMF). Money is just fuel; connections and vision are more important. Work with ethical, passionate people who want to do things that benefit society. Do things you'll be proud of ten years from now.

Author: PANews

2025/12/03

Strategy Faces Possible MSCI Index Removal, Threatening Billions in Outflows: Reuters

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Strategy Faces Possible MSCI Index

Author: Coindesk

2025/12/03

Unlock Your Bitcoin’s Power: Babylon’s Breakthrough with Aave Enables Unwrapped BTC Collateral

BitcoinWorld Unlock Your Bitcoin’s Power: Babylon’s Breakthrough with Aave Enables Unwrapped BTC Collateral Imagine unlocking the immense value of your Bitcoin without the risks and complexities of wrapping it. This is no longer a distant dream. A groundbreaking partnership between Babylon and the leading lending protocol Aave is set to revolutionize DeFi by enabling the direct use of unwrapped Bitcoin collateral. This move could fundamentally reshape how the […] This post Unlock Your Bitcoin’s Power: Babylon’s Breakthrough with Aave Enables Unwrapped BTC Collateral first appeared on BitcoinWorld.

Author: bitcoinworld

2025/12/03

TON Price Prediction: Toncoin Targets $2.05-$2.28 Recovery Within 4-6 Weeks

The post TON Price Prediction: Toncoin Targets $2.05-$2.28 Recovery Within 4-6 Weeks appeared on BitcoinEthereumNews.com. Tony Kim Dec 02, 2025 08:47 TON price prediction points to 37-53% upside potential as oversold conditions and bullish MACD divergence signal Toncoin recovery toward $2.05-$2.28 range by January 2026. TON Price Prediction Summary • TON short-term target (1 week): $1.75-$1.82 (+17-22%) • Toncoin medium-term forecast (1 month): $2.05-$2.28 range (+37-53%) • Key level to break for bullish continuation: $1.95 (SMA 50) • Critical support if bearish: $1.44 (immediate support/52-week low area) Recent Toncoin Price Predictions from Analysts Multiple analysts have converged on a bullish TON price prediction following recent oversold conditions. Blockchain.News presents the most comprehensive Toncoin forecast, targeting $2.05-$2.28 within 4-6 weeks based on RSI readings hitting 24.05 – well into oversold territory. This aligns with CoinCodex’s aggressive short-term prediction of $2.28 representing a 28.06% gain within five days. The consensus among analysts shows remarkable alignment despite different methodologies. While MidForex takes a more conservative approach with their AI-driven $1.75-$1.82 TON price target, all three predictions point to the same direction: a significant recovery from current levels. The convergence of technical analysis and AI-driven models strengthens the case for this bullish Toncoin forecast. TON Technical Analysis: Setting Up for Reversal Current Toncoin technical analysis reveals a textbook oversold setup primed for reversal. With RSI at 31.14, TON has moved from extreme oversold conditions (below 30) into neutral territory, suggesting the selling pressure is beginning to subside. This RSI recovery supports the broader TON price prediction narrative. The MACD histogram at 0.0098 shows the first signs of bullish momentum returning to Toncoin. While the MACD line remains negative at -0.1360, the histogram’s positive reading indicates momentum is shifting in favor of buyers. This divergence often precedes significant price recoveries, lending credibility to analyst predictions. Bollinger Bands analysis reveals TON trading at…

Author: BitcoinEthereumNews

2025/12/03

21shares ETP expansion adds Ethena and Morpho exposure to European crypto markets

Institutional and retail investors in Europe gain new access to decentralized finance as the 21shares etp lineup expands with two protocol-focused products. 21shares launches Ethena and Morpho ETPs in Europe On December 3, 2025 in Zurich, 21shares, one of the world’s largest issuers of crypto exchange-traded products, unveiled two new ETPs tracking leading DeFi infrastructure […]

Author: The Cryptonomist

2025/12/03

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Lending

Durban’s Rising Creative Wave: Why More Designers Are Training Locally in 2026

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