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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.

15929 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Cardano’s December Slide Intensifies: What’s Driving the Decline and What Comes Next?

Cardano’s December Slide Intensifies: What’s Driving the Decline and What Comes Next?

Cardano (ADA) has opened December under pressure, dropping more than 7% in the past week as broader market sentiment weakens and macroeconomic uncertainty rises. Related Reading: Bitcoin Long-Term Holders See First Uptick Since April Lows: Bullish Sign? ADA is now trading near $0.38–$0.4, testing key support levels and extending a month-long downtrend that has erased recent gains. ADA's price gains some small gains on the daily chart. Source: ADAUSD on Tradingview Macroeconomic Pressure and Market Sentiment Weigh on ADA The latest decline comes amid renewed concerns over global interest rate policy. Comments from Bank of Japan Governor Kazuo Ueda signaled the possibility of a rate hike, a shift that could unwind leveraged positions funded through low-interest yen borrowing. Cardano’s drop aligns with losses seen across the crypto market, with Bitcoin, Ethereum, and other major altcoins also trading lower. High trading volumes, over $1 billion in the past 24 hours, reflect elevated volatility and growing caution among investors. On-chain indicators show dormant ADA wallets from as far back as 2017 moving coins to exchanges, a sign that long-term holders may be preparing to exit positions. Short interest in ADA futures has also increased, with open interest rising 12% over the past week. Traders are betting on a further slide below $0.35 unless ADA can reclaim the $0.40 resistance level. Ecosystem Developments Offer Some Long-Term Support Despite the market downturn, several developments within the Cardano ecosystem continue to generate attention. A $30 million liquidity initiative designed to strengthen Cardano’s DeFi sector is scheduled for rollout in early 2026. The fund aims to boost total value locked by supporting lending, staking, and decentralized exchange activity, areas where Cardano has historically lagged behind competitors. Another upcoming milestone is the launch of the Midnight sidechain on December 8. The privacy-focused network introduces new capabilities around data protection and secure enterprise applications. Some analysts believe the launch could increase Cardano’s adoption and improve sentiment, particularly if it leads to more activity in decentralized finance. Cardano’s long-term technical outlook also remains a topic of debate. Analysts note that ADA is once again touching the support line of a multi-year uptrend. Historically, similar tests have preceded recoveries, with some projecting a possible rebound toward the $0.50–$0.75 range if the market stabilizes. What Comes Next for Cardano (ADA)? The near-term outlook for Cardano remains uncertain. A break below $0.38 could expose the token to further declines toward the $0.30 area, especially if broader market weakness continues. However, strong staking participation, around 70% of circulating supply, may help cushion deeper drawdowns. Longer-term forecasts vary widely, ranging from modest recoveries to highly optimistic projections tied to expected ecosystem upgrades in 2026. Related Reading: Bitcoin Vs. Gold Metric Flashes Rare Signal Not Seen in Market History – See How For now, ADA’s trajectory will depend on whether macroeconomic pressures ease and whether Cardano can translate its upcoming developments into sustained network growth and investor confidence. Cover image from ChatGPT, ADAUSD chart on Tradingview

Author: NewsBTC

2025/12/03

Family-Friendly Hacks for a Sparkless Move: Quick Cleaning Wins for Busy Parents on the Go

Family-Friendly Hacks for a Sparkless Move: Quick Cleaning Wins for Busy Parents on the Go

Moving house with kids in tow is like juggling flaming torches while riding a unicycle, exhilarating, but one slip can turn chaos into catastrophe. Parents face the triple threat of packing endless boxes, wrangling energetic little ones, and ensuring the old home gleams for that final inspection or handover. Dust bunnies multiply overnight, fingerprints multiply […] The post Family-Friendly Hacks for a Sparkless Move: Quick Cleaning Wins for Busy Parents on the Go appeared first on TechBullion.

Author: Techbullion

2025/12/03

Coinbase Turns up the Heat With Worldwide Rollouts and Prime-Grade Assets

Coinbase Turns up the Heat With Worldwide Rollouts and Prime-Grade Assets

Coinbase accelerated its global crypto footprint in November, unveiling new lending tools, fresh onchain features, and broader international access that signal expanding momentum across retail, institutional, and developer markets. Coinbase Details Broad November Expansion Across Products and Regions Crypto exchange Coinbase (Nasdaq: COIN) shared on social media platform X on Dec. 2 that it advanced […]

Author: Coinstats

2025/12/03

PBOC sets USD/CNY reference rate at 7.0754 vs. 7.0794 previous

PBOC sets USD/CNY reference rate at 7.0754 vs. 7.0794 previous

The post PBOC sets USD/CNY reference rate at 7.0754 vs. 7.0794 previous appeared on BitcoinEthereumNews.com. On Wednesday, the People’s Bank of China (PBOC) sets the USD/CNY central rate for the trading session ahead at 7.0754 compared to the previous day’s fix of 7.0794. PBOC FAQs The primary monetary policy objectives of the People’s Bank of China (PBoC) are to safeguard price stability, including exchange rate stability, and promote economic growth. China’s central bank also aims to implement financial reforms, such as opening and developing the financial market. The PBoC is owned by the state of the People’s Republic of China (PRC), so it is not considered an autonomous institution. The Chinese Communist Party (CCP) Committee Secretary, nominated by the Chairman of the State Council, has a key influence on the PBoC’s management and direction, not the governor. However, Mr. Pan Gongsheng currently holds both of these posts. Unlike the Western economies, the PBoC uses a broader set of monetary policy instruments to achieve its objectives. The primary tools include a seven-day Reverse Repo Rate (RRR), Medium-term Lending Facility (MLF), foreign exchange interventions and Reserve Requirement Ratio (RRR). However, The Loan Prime Rate (LPR) is China’s benchmark interest rate. Changes to the LPR directly influence the rates that need to be paid in the market for loans and mortgages and the interest paid on savings. By changing the LPR, China’s central bank can also influence the exchange rates of the Chinese Renminbi. Yes, China has 19 private banks – a small fraction of the financial system. The largest private banks are digital lenders WeBank and MYbank, which are backed by tech giants Tencent and Ant Group, per The Straits Times. In 2014, China allowed domestic lenders fully capitalized by private funds to operate in the state-dominated financial sector. Source: https://www.fxstreet.com/news/pboc-sets-usd-cny-reference-rate-at-70754-vs-70794-previous-202512030115

Author: BitcoinEthereumNews

2025/12/03

Rizzmas Solana Meme Coin Surges 54% Amid Holiday Plans, Potential for Further Growth

Rizzmas Solana Meme Coin Surges 54% Amid Holiday Plans, Potential for Further Growth

The post Rizzmas Solana Meme Coin Surges 54% Amid Holiday Plans, Potential for Further Growth appeared on BitcoinEthereumNews.com. The Rizzmas meme coin has surged over 600% in 2025, reaching a market cap of $4.38 million amid the holiday season. Created on Solana’s Pump.fun platform, it embodies festive charisma and community-driven growth, with recent initiatives like merchandise and token burns boosting its appeal for traders. Rizzmas token hits $4.38 million market cap after 54% surge on Tuesday. Community team launches iOS mini-game and merchandise to sustain momentum. From a March low of $602,150, the coin has grown 600%, per DEX Screener data, with plans for billboards and collaborations ahead. Discover the Rizzmas meme coin’s festive surge on Solana, up 600% in 2025 to $4.38M. Explore community efforts and holiday hype driving this charismatic token’s revival. Stay updated on crypto trends today. What is the Rizzmas Meme Coin and Its Recent Performance? The Rizzmas meme coin is a Solana-based token launched on the Pump.fun platform, blending holiday cheer with Gen Z slang for charisma. It experienced a dramatic revival in 2025, soaring more than 600% from a March low of $602,150 to a market cap of $4.38 million, according to DEX Screener. This surge, which peaked at 54% on Tuesday before a slight 12% pullback to $3.82 million, reflects renewed community enthusiasm as Christmas approaches. How Has the Rizzmas Community Evolved the Token Beyond Seasonal Hype? The Rizzmas team has worked diligently to extend the token’s lifespan past typical event-driven meme coin volatility. Originally peaking at $94.26 million in late November 2024 before crashing 98% to $1.76 million by early 2025, it remained dormant until recent efforts revitalized it. The community takeover (CTO) group introduced an iOS mini-game app that generates ad revenue for burning Rizzmas tokens, released branded merchandise, and began producing Christmas-themed content to engage users. These initiatives aim to position Rizzmas as a sustainable project in a…

Author: BitcoinEthereumNews

2025/12/03

Massive 250 Million USDC Minted: What This Whale-Sized Move Means for Crypto Markets

Massive 250 Million USDC Minted: What This Whale-Sized Move Means for Crypto Markets

BitcoinWorld Massive 250 Million USDC Minted: What This Whale-Sized Move Means for Crypto Markets In a move that caught the attention of the entire cryptocurrency community, Whale Alert reported a staggering 250 million USDC minted at the USDC Treasury. This substantial creation of new stablecoins immediately raises questions about market dynamics and future price action. For anyone tracking digital asset liquidity, understanding why such a large amount of USDC […] This post Massive 250 Million USDC Minted: What This Whale-Sized Move Means for Crypto Markets first appeared on BitcoinWorld.

Author: bitcoinworld

2025/12/03

Strategy CEO Responds to Claims That They Will Sell Bitcoin – Previously, There Had Been a Major Controversy

Strategy CEO Responds to Claims That They Will Sell Bitcoin – Previously, There Had Been a Major Controversy

The post Strategy CEO Responds to Claims That They Will Sell Bitcoin – Previously, There Had Been a Major Controversy appeared on BitcoinEthereumNews.com. Strategy (formerly MicroStrategy) CEO Phong Le evaluated the company’s Bitcoin strategy, dividend policy, and new business models that may come up in the future in an interview with Bloomberg Crypto. Le stated that the company has no plans to sell BTC despite the sharp price fluctuations, and added that they aim to continue dividend payments “indefinitely, as much as possible.” According to Bloomberg, the company may also consider Bitcoin lending in the future when favorable market conditions arise. In the interview, Le returned to the Bitcoin purchases initiated by Michael Saylor in 2020, stating that the company’s long-term vision remains unchanged, with BTC remaining the primary treasury reserve. While the strategy has established a dollar reserve for short-term liabilities, it plans to use this reserve as a buffer for dividend and interest payments rather than selling Bitcoin. “We won’t sell Bitcoin unless absolutely necessary,” Le said. “We currently have enough dollar reserves to cover two to three years of dividends, and we’ve strengthened that even further.” Addressing the controversy surrounding the company’s dividend policy, the CEO stated that suspending payments would create significant distrust among investors. He stated, “I would never say never, but our goal is to pay dividends indefinitely. This is important for the company, our investors, and the Bitcoin ecosystem.” Le also defended the claims of an “overly leveraged structure” circulating in the market as false. The CEO noted that Strategy’s leverage ratio, currently at 12% and including preferred stock, rises to 27%, well below the average for publicly traded companies in the US. “There was a huge misconception in the market that our company wouldn’t be able to pay dividends or would be forced to sell Bitcoin,” he said. “We’ve cleared that up,” he said. Another notable part of the interview concerned Bitcoin lending. Responding to…

Author: BitcoinEthereumNews

2025/12/03

Strategic Shift: Aave Community Weighs Shutting Down Low-Profit Multichain Services

Strategic Shift: Aave Community Weighs Shutting Down Low-Profit Multichain Services

BitcoinWorld Strategic Shift: Aave Community Weighs Shutting Down Low-Profit Multichain Services The decentralized finance (DeFi) landscape is evolving from rapid expansion to strategic refinement. In a significant move, the Aave community is now actively debating a proposal to streamline its operations by potentially terminating its Aave multichain services on less profitable networks. This discussion marks a pivotal moment, highlighting a mature shift towards sustainability and efficient […] This post Strategic Shift: Aave Community Weighs Shutting Down Low-Profit Multichain Services first appeared on BitcoinWorld.

Author: bitcoinworld

2025/12/03

Aave DAO mulls pulling back ‘multichain strategy,’ deprecating zkSync, Metis and Soneium instances

Aave DAO mulls pulling back ‘multichain strategy,’ deprecating zkSync, Metis and Soneium instances

Aave, the largest decentralized lending protocol, has historically taken a maximalist approach towards deploying on new blockchains.

Author: Coinstats

2025/12/03

OpenEden Closes Strategic Funding as RWA Market Surges; Ripple and Anchorage Digital Ventures Among Backers

OpenEden Closes Strategic Funding as RWA Market Surges; Ripple and Anchorage Digital Ventures Among Backers

OpenEden has closed a new strategic investment round backed by some of the most influential names in blockchain and institutional finance, including Ripple, Lightspeed Faction, Gate Ventures, FalconX, Anchorage Digital Ventures, Flowdesk, P2 Ventures, Selini Capital, Kaia Foundation, and Sigma Capital. The raise marks a significant milestone for the RWA tokenization platform as institutional appetite […] The post OpenEden Closes Strategic Funding as RWA Market Surges; Ripple and Anchorage Digital Ventures Among Backers appeared first on CryptoSlate.

Author: CryptoSlate

2025/12/02

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