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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.

15932 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Metamask shield: $10K/mo loss protection

Metamask shield: $10K/mo loss protection

The post Metamask shield: $10K/mo loss protection appeared on BitcoinEthereumNews.com. MetaMask has launched a new premium safeguard called shield, designed to protect users from transaction-related losses while adding fast-response support. MetaMask introduces premium loss protection for on-chain activity MetaMask has rolled out Transaction Shield, a premium opt-in security upgrade that bundles transaction loss protection with 24/7 wallet priority support for its users. The product, announced on Dec. 2, 2025, aims to reduce the financial impact of risky interactions across decentralized applications and smart contracts. The new subscription service extends MetaMask’s security stack by offering coverage for losses up to $10,000 per month on transactions the platform classifies as safe. However, only actions that pass MetaMask’s automated contract checks and transaction simulations qualify for reimbursement if something goes wrong. Moreover, the company positions Transaction Shield as an added layer on top of its existing threat detection tools, instead of a replacement. That said, users still need to monitor approvals, contract interactions, and spending limits whenever they connect their wallet to on-chain services. Pricing, free trial, and subscription details The Transaction Shield MetaMask subscription service is priced at $9.99 per month or $99 annually, maintaining clear monthly coverage limits tied to approved transactions. Subscribers receive a 14-day free trial, and annual plans include a $20 discount compared with paying month to month. Currently, coverage is available only through the MetaMask Extension in desktop browsers. However, the team plans to extend the feature to the mobile wallet at a later stage, bringing the same transaction loss protection and support package to smartphone users. Supported networks and transaction types Transaction Shield applies to approved transactions on a wide range of supported blockchain networks. Covered chains include Ethereum, Linea, Arbitrum, Avalanche, Optimism, Base, Polygon, BSC, and Sei, giving users protection across major EVM-compatible ecosystems. Moreover, the feature supports common DeFi and NFT interactions. Eligible actions…

Author: BitcoinEthereumNews

2025/12/03

Is the breakout in SoFi stock just beginning?

Is the breakout in SoFi stock just beginning?

The post Is the breakout in SoFi stock just beginning? appeared on BitcoinEthereumNews.com. With its stock skyrocketing nearly +100% in 2025 to a new all-time high of $32, investors may be wondering if SoFi Technologies (SOFI) is the next fintech firm that could see its share price rip to over $100 like Robinhood Markets (HOOD) and Shopify (SHOP), to name a few. Like Robinhood and Shopify, SoFi is increasingly expanding its financial services ecosystem, making it a worthy topic of whether this is just the beginning of what could be a far more extensive rally in SOFI.  Image Source: Zacks Investment Research SoFi’s fintech expansion At the cusp of optimism for SoFi stock is that the company has reduced its reliance on consumer lending services, expanding into banking, investing, and cryptocurrency trading. This has led to exceptional subscriber growth, with memberships climbing 15% this year alone from 10.9 million in Q1 to 12.6 million at the end of Q3. Furthermore, SoFi’s subscriber base has expanded 35% year over year.   These new customers represent long-term monetization potential as SoFi adopts multiple services. The introduction of blockchain-powered remittances has also fueled SoFi’s user growth, which includes cross-border money transfers that use blockchain technology to make transactions faster, cheaper, and more transparent compared to traditional remittance systems that are typically used by migrant workers or individuals to send funds to family or communities abroad.  Outside of fraud prevention, SoFi is using AI-driven innovation to boost its operational efficiency and ecosystem expansion while reducing costs. Strategic partnerships with the Bitcoin Lightning Network and the acquisition of payment solutions and fintech infrastructure providers, Galileo and Technisys, have positioned SoFi as a leader in the growing trend of fintech consolidation. SOFI technical analysis The bullish technical momentum in SoFi stock has regained steam after retaking and breaking out above a current 50-day simple moving average (SMA) of $28 a share (green line) last…

Author: BitcoinEthereumNews

2025/12/03

AAVE price confirms bullish reversal pattern even as TVL dropped to 5-month low

AAVE price confirms bullish reversal pattern even as TVL dropped to 5-month low

AAVE price has confirmed a breakout from a bullish reversal pattern, even as activity in its ecosystem continues to slow down. According to data from crypto.news, Aave (AAVE) rebounded 13.5% on Wednesday, Dec. 3, after being in a downtrend over…

Author: Crypto.news

2025/12/03

Flow has transitioned to DeFi; the confidence and predicament of the former NFT leader.

Flow has transitioned to DeFi; the confidence and predicament of the former NFT leader.

Author: Nancy, PANews After the brutal baptism of market cycles, very few survivors remain in the NFT sector. Even Flow, once a top performer, could not escape the fate of changing times and began to seek new growth points. On December 2nd, Flow announced its transformation into a democratized, consumer-grade DeFi platform, a strategic shift that has attracted significant market attention. Leveraging its large user base and unique technological advantages, Flow is attempting to adapt to market changes and save itself. However, whether it can secure a place in the fiercely competitive DeFi arena remains a huge question mark. Launching DeFi lending and wealth management products, and upgrading to a deflationary token. “Today’s DeFi is hostile; users must possess advanced technical skills to survive, with issues like slippage, MEV, and liquidation cascading effects constantly emerging. Every interface is designed for experts, forcing the rest to the margins. This is precisely the gap we aim to fill,” wrote Roham, CEO of Dapper Labs. In response to this situation, Flow's new goal is to create consumer-oriented DeFi, allowing ordinary users to enjoy the benefits of the crypto world without needing to be technical experts, and truly achieving an easy-to-use experience for mainstream users. Flow is building a series of network architecture components called "built-in protocols," which are more like public financial infrastructure directly embedded in the network layer. In the DeFi space, built-in protocols can provide shared liquidity across the entire ecosystem and integrate liquidity pools from various vertical sectors, avoiding liquidity fragmentation and allowing new projects to avoid the challenges of a cold start. Flow Credit Market (FCM), an automated lending protocol, is the first built-in protocol developed by the Flow Foundation. It utilizes Flow's native on-chain scheduling system to set periodic triggers without the need for external oracles, significantly reducing liquidation risk while increasing loan value (LTV), thereby bringing higher natural returns to both lenders and borrowers. Dapper Labs CEO Roham pointed out that traditional DeFi lending is typically highly punitive, only liquidating and charging penalties when a user's position is close to liquidation. FCM, on the other hand, employs proactive risk management, continuously monitoring each position on-chain automatically and rebalancing it before risks materialize. Internal risk simulations show that FCM has protected user deposits from liquidation during numerous major market crashes, while also reducing costs by up to 99.9% compared to lending protocols on other networks. To accelerate the launch of FCM (Financial Flywheel) services, Dapper Labs has launched Peak Money, a consumer-grade financial flywheel app aimed at becoming the next crypto gateway to 100 million new users. According to Roham, users can deposit cash or crypto assets (such as Bitcoin, Ethereum, and FLOW) into Peak Money and earn higher returns than any bank (APY up to 25% for cryptocurrencies and 10% for cash), while funds can be earned and used at any time. The product has no minimum investment, no gatekeeper, no mnemonic phrase required, and no liquidation risks. Peak Money will release details of coverage for specific loss events upon official launch. Currently, Peak Money has an open waiting list. Furthermore, Flow's built-in protocols may be expanded to perpetual contracts, prediction markets, and other applications in the future, providing more user-friendly DeFi applications for mainstream consumers. To achieve sustainable value capture, Flow upgraded its token, transitioning to a deflationary token. The Flow Foundation's FLIP-351 proposal directly links network usage to network value. Each transaction burns tokens, creating scarcity through network activity and thus increasing token value. When the network consistently operates at approximately 250 TPS, the FLOW token will achieve net deflation. Even so, Flow's transaction costs remain lower than mainstream networks like Solana and Base. It's worth noting that the current price of the FLOW token has fallen by over 90% from its all-time high. What gives Flow the confidence and challenges in its cross-industry transformation into DeFi? The current DeFi market is in a phase of rapid growth and fierce competition. As the regulatory environment becomes more favorable, leading protocols are leveraging their first-mover advantage to solidify their positions, while traditional institutions with both compliance and funding advantages are also accelerating their entry, continuously raising the barriers to entry in the field. As one of the few crypto sectors with proven product-market fit (PMF), DeFi still has enormous growth potential. For Flow, which is attempting to transform from consumer-grade Level 1 to DeFi infrastructure, this is not only an opportunity for strategic restructuring but also a challenging "reboot." As a "newcomer" to the DeFi sector, Flow possesses a certain degree of confidence for its cross-industry transformation. On one hand, Flow didn't start from scratch; its accumulated experience in the NFT field provided a unique starting line. With the phenomenal application NBA Top Shot, Flow amassed a large user base. Although its popularity has declined significantly from its peak, the accumulated traffic remains substantial. According to official data, Flow has over 41 million total accounts and over 1.1 million monthly active users. Meanwhile, according to DeFiLlama data, as of December 3rd, Flow's TVL reached $107 million, a 187.1% increase since the beginning of the year. Meanwhile, Flow boasts technological advantages, being designed specifically for large-scale consumer applications. Its low-barrier, low-cost, and high-throughput on-chain environment naturally aligns with the high-frequency trading needs of DeFi. In October of this year, Flow also launched two key upgrades, Forte and Crescendo, aiming to address scalability, deep innovation in DeFi, and cross-chain interoperability issues, further providing technological support for ecosystem transformation. Forte's core goal is to completely eliminate the reliance on off-chain bots or centralized custody services for complex on-chain financial logic. All automation (limit orders, dynamic interest rates, strategy vaults, etc.) runs securely directly on-chain, making it easier for developers to build complex financial applications. Crescendo upgrades Flow with Ethereum Virtual Machine (EVM) equivalence, enabling seamless interoperability with Ethereum-based applications and protocols. Flow claims to be one of the few blockchains capable of supporting millions of daily active users (DAU) without incurring high or unpredictable gas fees. However, Flow's transformation still faces considerable challenges. On one hand, all new public chains face the challenge of a liquidity cold start. Although Flow has a significant user base, it mainly consists of NFT users, most of whom have already left the market. How to re-attract these users and convert them into DeFi users remains highly uncertain. On the other hand, the ecosystems of leading public chains are already quite rich and have formed barriers. Flow needs to quickly attract high-quality developers and build innovative applications that are recognized by the market in order to form a sustainable positive cycle of ecosystem. More importantly, Flow has long been labeled by the market as an NFT public chain. To break this stereotype, Flow must present a successful DeFi application case to prove its suitability for the financial sector. Overall, the technical architecture and user base add more certainty to Flow's "re-entrepreneurial" endeavor. However, the success of this transformation hinges on Flow's ability to activate dormant NFT users through a compelling DeFi narrative and break down liquidity barriers.

Author: PANews

2025/12/03

Bitcoin Checkout: Swiss Supermarket Turns On Nationwide Crypto Payments

Bitcoin Checkout: Swiss Supermarket Turns On Nationwide Crypto Payments

SPAR Switzerland has started letting shoppers pay with Bitcoin at checkout, a move that puts crypto into everyday grocery shopping. According to a company announcement and follow-up reports, the rollout is already live in more than 100 SPAR stores and is planned to expand to 300+ locations across the country. Related Reading: Crypto Lending Rebuilds […]

Author: Bitcoinist

2025/12/03

Nomis Taps Owlto Finance to Drive Reputation-Backed Web3 Interoperability

Nomis Taps Owlto Finance to Drive Reputation-Backed Web3 Interoperability

The partnership between Nomis and Owlto Finance endeavors to fortify on-chain reputation while also strengthening cross-chain consumer experience.

Author: Blockchainreporter

2025/12/03

BlackRock Executives View Tokenization as Potential Bridge for Bitcoin and Traditional Finance

BlackRock Executives View Tokenization as Potential Bridge for Bitcoin and Traditional Finance

The post BlackRock Executives View Tokenization as Potential Bridge for Bitcoin and Traditional Finance appeared on BitcoinEthereumNews.com. BlackRock tokenization represents a strategic bridge connecting traditional finance with the crypto ecosystem, as emphasized by CEO Larry Fink and COO Rob Goldstein. This approach enables seamless asset management across portfolios, with BlackRock’s $2.8 billion BUIDL fund leading the tokenized cash market. BlackRock’s leadership in tokenization: As the world’s largest asset manager with $13.4 trillion in assets, BlackRock operates the premier tokenized fund, fostering interoperability between legacy and digital systems. Tokenization’s role as a connector: It unites stablecoin issuers, fintech firms, and blockchains with traditional institutions, allowing unified digital wallets for all assets. Regulatory evolution needed: Policymakers must harmonize rules to ensure tokenized assets like bonds on blockchains are treated consistently, reducing risks while expanding investable opportunities, backed by BlackRock’s $2.8 billion tokenized fund data. Discover how BlackRock tokenization bridges traditional finance and crypto for efficient asset management. Explore insights from CEO Larry Fink on this transformative trend—read now for investment strategies. What is BlackRock’s vision for tokenization in bridging traditional finance and crypto? BlackRock tokenization is envisioned as a vital bridge that links the established world of traditional finance with innovative crypto technologies, according to CEO Larry Fink and COO Rob Goldstein. In their recent analysis published in The Economist, they describe it as converging platforms where traditional institutions meet digital innovators like stablecoin providers and public blockchains. This integration promises a future where investors manage stocks, bonds, and digital assets through a single digital wallet, enhancing efficiency without replacing existing systems. How does tokenization expand investable assets in traditional finance? Tokenization allows for the digitization of real-world assets, making them more accessible and divisible on blockchain networks. Traditionally, markets have been dominated by listed stocks and bonds, but as Fink and Goldstein note, this technology uncovers new opportunities hidden amid earlier crypto hype. For instance, BlackRock’s USD Institutional…

Author: BitcoinEthereumNews

2025/12/03

Strategy says long crypto downturn may trigger Bitcoin sale

Strategy says long crypto downturn may trigger Bitcoin sale

Strategy is sitting on nearly $59 billion worth of Bitcoin, but that mountain of crypto might not stay untouched for long.

Author: Cryptopolitan

2025/12/03

Top Cryptos To Buy Now As This $0.035 Altcoin Presale Phase 6 Nears Sellout

Top Cryptos To Buy Now As This $0.035 Altcoin Presale Phase 6 Nears Sellout

The crypto market appears to show signs of renewed strength with existing tokens such as Cardano showing strong signs of revival in the face of new investment prospects in the presale phase. At the moment, ADA appears to gain traction in reaching the price of $0.50. At the same time, another altcoin, Mutuum Finance (MUTM), […]

Author: Cryptopolitan

2025/12/03

MetaMask unveils new shield security upgrade with transaction loss protection

MetaMask unveils new shield security upgrade with transaction loss protection

MetaMask has launched a new premium safeguard called shield, designed to protect users from transaction-related losses while adding fast-response support. MetaMask introduces premium loss protection for on-chain activity MetaMask has rolled out Transaction Shield, a premium opt-in security upgrade that bundles transaction loss protection with 24/7 wallet priority support for its users. The product, announced […]

Author: The Cryptonomist

2025/12/03

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