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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.

15882 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Benchmark Views MicroStrategy’s Bitcoin Strategy as Resilient Investment Opportunity

Benchmark Views MicroStrategy’s Bitcoin Strategy as Resilient Investment Opportunity

The post Benchmark Views MicroStrategy’s Bitcoin Strategy as Resilient Investment Opportunity appeared on BitcoinEthereumNews.com. MicroStrategy’s Bitcoin treasury strategy remains a robust approach for corporate crypto exposure, with Benchmark analysts dismissing critics as unfamiliar with its mechanics. The firm holds 650,000 BTC valued at $55.2 billion, using leverage to acquire assets and issuing instruments for investor access, positioning it as a key player despite market volatility. Benchmark maintains a ‘buy’ rating on MicroStrategy stock with a $705 target, projecting Bitcoin at $225,000 by 2026. The strategy shields against downside risks, requiring Bitcoin to fall below $12,700—an 86% drop—for debt coverage issues. MicroStrategy’s holdings total 650,000 BTC purchased for $48.3 billion, making it the largest corporate Bitcoin holder amid 2025’s 43% stock decline. Explore MicroStrategy Bitcoin strategy: Benchmark rejects skepticism, affirming its appeal for crypto investors. Dive into holdings, ratings, and market outlook for informed decisions. What is MicroStrategy’s Bitcoin Treasury Strategy? MicroStrategy’s Bitcoin treasury strategy involves aggressively acquiring and holding Bitcoin as a primary treasury reserve asset to enhance shareholder value and hedge against inflation. Launched in 2020, the Nasdaq-listed company—formerly known as MicroStrategy—has invested heavily in the cryptocurrency, leveraging debt and equity offerings to build its position. This approach provides investors indirect exposure to Bitcoin through traditional stock and dividend instruments, distinguishing it from direct crypto purchases. How Does MicroStrategy’s Bitcoin Strategy Handle Market Volatility? MicroStrategy’s Bitcoin strategy is designed with resilience in mind, incorporating a balance-sheet architecture that amplifies upside potential while mitigating severe downsides. According to equity research analyst Mark Palmer from Benchmark, the firm’s convertible debt of approximately $8.2 billion becomes vulnerable only if Bitcoin’s price plummets below $12,700 and sustains that level—a scenario requiring an 86% decline from current prices around $85,779. Palmer emphasized in his note that such an extreme drop would demand multiple simultaneous macroeconomic shocks, which appear improbable given Bitcoin’s historical resilience and current market dynamics. The…

Author: BitcoinEthereumNews

2025/12/02

PHILGUARANTEE and Bank of Makati Sign Deal to Boost MSME Loans

PHILGUARANTEE and Bank of Makati Sign Deal to Boost MSME Loans

State-owned Philippine Guarantee Corporation (PHILGUARANTEE) has signed a Memorandum of Agreement (MOA) with the Bank of Makati to strengthen financial support for micro, small, and medium enterprises (MSMEs). The agreement was formalised during a ceremony in Makati City on 18 November 2025. Under the partnership, PHILGUARANTEE will extend guarantee coverage to the bank’s loan portfolio [...] The post PHILGUARANTEE and Bank of Makati Sign Deal to Boost MSME Loans appeared first on Fintech News Philippines.

Author: Fintechnews

2025/12/02

PBOC sets USD/CNY reference rate at 7.0794 vs. 7.0759 previous

PBOC sets USD/CNY reference rate at 7.0794 vs. 7.0759 previous

The post PBOC sets USD/CNY reference rate at 7.0794 vs. 7.0759 previous appeared on BitcoinEthereumNews.com. The People’s Bank of China (PBOC) sets the USD/CNY central rate for the trading session ahead on Tuesday at 7.0794 compared to the previous day’s fix of 7.0759. 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-70794-vs-70759-previous-202512020115

Author: BitcoinEthereumNews

2025/12/02

This $0.035 New Cryptocurrency is Taking Over Q4 2025, MUTM Climbs to 95% of Phase 6

This $0.035 New Cryptocurrency is Taking Over Q4 2025, MUTM Climbs to 95% of Phase 6

The post This $0.035 New Cryptocurrency is Taking Over Q4 2025, MUTM Climbs to 95% of Phase 6 appeared on BitcoinEthereumNews.com. One of the emerging new cryptocurrencies with a price of $0.035 is in the spotlight of the entire market as it is making another significant breakthrough. Mutuum Finance (MUTM) is currently at 95% allocation in Phase 6 and interest is swelling at an extremely high rate as the project is set to become one of the hottest-discussed DeFi tokens of Q4 2025. As the pace of development gains momentum and the volume of supply dwindles, the last part of this phase is under the scrutiny of investors. Quick Presale Growth  At the beginning of 2025 Mutuum Finance had its token offering at $0.01. Following steady demand in various phases, the token grew to $0.035, which is a 250% growth in presale. It has also raised more than $19M and over 18 200 holders up to date and this has made it have one of the most robust early communities in new crypto launches of the year. The 4B total supply consists of 1.82B (45.5%) of presale. Over 800M tokens have been already bought. Phase 6, is offered at $0.035, which is already 95% filled. Mutuum Finance encourages user participation directly by its 24-hours long leaderboard that rewards the highest contributor each day with $500 of MUTM. Mutuum Finance is designing a decentralized lending protocol based on a dual lending model. Through this framework, the type of loans offered becomes flexible and the risk is maintained at its check by the well-articulated collateralization rules and liquidation procedures are automated. One of its components is mtTokens that users are rewarded by providing the assets to the system. Mutuum Finance also functions based on the buy-and-distribute scheme, according to which a part of the protocol revenue is used by buying MUTM on the open market. The purchase of MUTM within the open market…

Author: BitcoinEthereumNews

2025/12/02

Crypto Lending Rebuilds From The Rubble, Reaching $25B In New Activity—Study

Crypto Lending Rebuilds From The Rubble, Reaching $25B In New Activity—Study

The post Crypto Lending Rebuilds From The Rubble, Reaching $25B In New Activity—Study appeared on BitcoinEthereumNews.com. Crypto Lending Rebuilds From The Rubble, Reaching $25B In New Activity—Study Sign Up for Our Newsletter! For updates and exclusive offers enter your email. Christian, a journalist and editor with leadership roles in Philippine and Canadian media, is fueled by his love for writing and cryptocurrency. Off-screen, he’s a cook and cinephile who’s constantly intrigued by the size of the universe. This website uses cookies. By continuing to use this website you are giving consent to cookies being used. Visit our Privacy Center or Cookie Policy. I Agree Source: https://bitcoinist.com/crypto-lending-rebuilds-from-the-rubble-reaching-25b-in-new-activity-study/

Author: BitcoinEthereumNews

2025/12/02

Cardano to finally turn passive ADA holders into real DeFi participants with $30M liquidity push

Cardano to finally turn passive ADA holders into real DeFi participants with $30M liquidity push

Cardano is entering a very important phase in its development, as its founding institutions are attempting to deliver the core infrastructure that every major blockchain already treats as standard. On Nov. 27, a new proposal sought community approval to allocate 70 million ADA tokens (worth about $30 million) to onboard tier-one stablecoins, custody providers, cross-chain […] The post Cardano to finally turn passive ADA holders into real DeFi participants with $30M liquidity push appeared first on CryptoSlate.

Author: CryptoSlate

2025/12/02

Newest Space Force Guardians Will Be First To Receive New Dress Uniform

Newest Space Force Guardians Will Be First To Receive New Dress Uniform

The post Newest Space Force Guardians Will Be First To Receive New Dress Uniform appeared on BitcoinEthereumNews.com. U.S. Space Force Senior Master Sgt. Brandi Gonzalez walks the Hap Arnold hallway while wearing the branch’s Service Dress Uniform at the Pentagon, Arlington, Va., Aug. 22, 2025. (U.S. Air Force photo by Chad Trujillo) U.S. Air Force This month marks the sixth anniversary of the United States Space Force, the sixth and newest branch of the United States military. During the graduation ceremony on December 18, the newest class of guardians will be wearing the service’s newly established dress uniforms, the first to do so, the 37th Training Wing announced last week. The unit released photos showing trainees getting measured for the new uniforms, Stars & Stripes first reported. It is likely an attempt to ensure that the newly minted guardians look their best in the formal uniform. To Infinity And Beyond The new dress uniform has been years in the making, drawing from historic military attire while still evoking some features that seem straight out of science fiction. The prototypes, which were spotted earlier this fall, included an asymmetrical short navy blue jacket with a large flap over the right breast and a diagonal line of six silver buttons, earning comparisons to uniforms from science fiction. A U.S. Space Force Guardian wears the branch’s Service Dress Uniform at the Pentagon, Arlington, Va., Aug. 22, 2025. (U.S. Air Force photo by Chad Trujillo) U.S. Air Force Since the first images were shared in 2021, there have been comparisons to the angled jackets seen in the rebooted Battlestar Galactica and even to the Imperial uniforms from Star Wars. Moreover, asymmetry and metallic elements have been a staple of sci-fi since the days of Flash Gordon. However, such uniforms have a tradition not in a galaxy far away but rather in our not-so-distant past. An Imperial officer’s uniform is displayed April…

Author: BitcoinEthereumNews

2025/12/02

Mutuum Finance Price Outlook: This $0.035 Crypto May Rally 900% by 2027 With 5% Phase 6 Tokens Left

Mutuum Finance Price Outlook: This $0.035 Crypto May Rally 900% by 2027 With 5% Phase 6 Tokens Left

Mutuum Finance (MUTM) is in one of its most crucial phases. As the Phase 6 tokens are 95% allocated and the pace is becoming even faster, a significant number of early investors are starting to theorize whether this new top crypto challenger can provide a significant rally within the next 2027. As development continues to […]

Author: Cryptopolitan

2025/12/02

GENIUS Act May Drive Stablecoin Demand for US Treasurys

GENIUS Act May Drive Stablecoin Demand for US Treasurys

The post GENIUS Act May Drive Stablecoin Demand for US Treasurys appeared on BitcoinEthereumNews.com. The GENIUS Act establishes a regulated framework for dollar-pegged stablecoins, requiring full reserves in high-quality assets like cash and short-term Treasurys to ensure stability and consumer protection while potentially creating ongoing demand for US government debt. GENIUS Act mandates 1:1 backing for payment stablecoins using US currency, Federal Reserve balances, and short-term Treasurys. Issuers must segregate reserves and provide regular disclosures to maintain transparency and redeemability at par value. Foreign issuers need comparable regulations to access US users, with analysts estimating potential market growth to trillions amid rising Treasury demand. Discover how the GENIUS Act regulates stablecoins for safer payments and boosts US debt demand. Explore implications for issuers and the economy in this comprehensive analysis. What is the GENIUS Act? The GENIUS Act is a landmark US law signed on July 18 that provides a clear regulatory framework for dollar-pegged stablecoins used in payments. It requires issuers to maintain full reserves in safe assets like cash and short-term Treasurys, ensuring stability and protecting consumers from risks. This legislation aims to integrate stablecoins into the mainstream financial system while addressing past uncertainties in the crypto space. How Does the GENIUS Act Impact Stablecoin Issuers? Under the GENIUS Act, stablecoin issuers must adhere to strict reserve requirements, limiting assets to US coins, Federal Reserve deposits, insured bank accounts, and short-maturity US Treasurys. This setup promotes financial stability by preventing over-leveraging, as issuers cannot engage in broad lending or yield-generating activities. Experts from the Brookings Institution highlight challenges such as verifying uninsured deposits and ensuring issuers meet anti-money laundering standards, with compliance costs potentially rising for larger operations. According to Shanaka Anslem Perera, an author focused on monetary policy, this framework transforms issuers into “narrow banks” that channel global demand for digital dollars directly into US sovereign debt purchases. Data from the…

Author: BitcoinEthereumNews

2025/12/02

Mutuum Finance (MUTM) Phase 6 Crosses 96% With High Demand

Mutuum Finance (MUTM) Phase 6 Crosses 96% With High Demand

Mutuum Finance introduced its token offering in early 2025 with an initial price of $0.01. The project has now secured over $19M in total funding and has grown a global community of more than 18,200 holders. Out of the 4B total supply, 1.82B tokens — which equals 45% — were reserved for early distribution.

Author: Hackernoon

2025/12/02

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