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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.

15873 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Backed by $1 million, Zazu is building a Mercury-style banking experience for African SMEs

Backed by $1 million, Zazu is building a Mercury-style banking experience for African SMEs

Zazu, a digital financial operating system designed for African small and medium-sized enterprises (SMEs), has raised $1 million in pre-seed funding to accelerate its rollout in South Africa and Morocco.

Author: Techcabal

2025/12/01

Sony Plans U.S. Stablecoin Launch for Payments Across Its Platforms

Sony Plans U.S. Stablecoin Launch for Payments Across Its Platforms

The post Sony Plans U.S. Stablecoin Launch for Payments Across Its Platforms appeared on BitcoinEthereumNews.com. Fintech Sony is preparing to take a major leap into digital money — not inside Japan, but in the United States. Key Takeaways: Sony prepares a U.S.-focused stablecoin for its entertainment ecosystem. The token is part of a wider Web3 expansion led by Sony Bank. New partnerships and restructuring signal a long-term digital payments strategy. The company’s online banking arm is developing a U.S. dollar–pegged stablecoin that could eventually become a payment method across Sony’s entire entertainment universe, from gaming to streaming. If the plan unfolds as expected, users could pay for PlayStation titles, in-game content, subscriptions and anime platforms using a Sony-issued digital token. Instead of replacing credit cards, the stablecoin is designed to sit beside them — reducing fees paid to card networks and giving Sony more control over its payments infrastructure. A U.S.-First Strategy Despite being a Japanese corporation, Sony is building the product for American customers before anyone else. The U.S. accounts for roughly 30 percent of Sony’s external revenue, and the company appears determined to create a native payment experience tailored to that audience. Preparing for the rollout, Sony Bank submitted an application in October for a banking license in the U.S. and began constructing a dedicated business entity focused on digital currency issuance. Sony won’t be doing this alone. Bastion — a U.S. stablecoin issuer — is embedded in the project as a key partner, and Sony has already backed the startup financially. Its venture capital arm joined Bastion’s recent $14.6 million raise led by Coinbase Ventures, signaling that Sony sees strategic value far beyond a single token. Not a Sudden Pivot — A Web3 Blueprint Taking Shape The stablecoin is only one piece of a broader overhaul inside Sony Bank. Earlier this year, the company formed a new subsidiary aimed at building Web3-powered…

Author: BitcoinEthereumNews

2025/12/01

Tokens That Do, Not Just Trade: 8LNDS Case as a Sustainable Token Shift

Tokens That Do, Not Just Trade: 8LNDS Case as a Sustainable Token Shift

The crypto market has been addicted to quick money. Every cycle produced the same formula: launch a token with a massive airdrop, create a liquidity spike, engineer an aggressive exchange listing — and watch the initial hype inflate valuations far beyond anything the underlying product could justify.  The pattern is now well-documented. ‘High-FDV, low-float’ tokens […]

Author: Cryptopolitan

2025/12/01

BxLend Announces First Token Sale and Early Access Launch

BxLend Announces First Token Sale and Early Access Launch

BxLend, Europe’s emerging leader in regulated crypto banking, has announced its first presale round launching December 3rd, followed by the early access release of its platform on December 20th. The announcements mark a significant milestone for the project, which aims to bridge traditional banking with decentralized finance under full EU regulatory compliance. Token Sale and […] The post BxLend Announces First Token Sale and Early Access Launch appeared first on TechBullion.

Author: Techbullion

2025/12/01

Ripple’s Singapore Approval Hits as XRP Whales Make Their Move

Ripple’s Singapore Approval Hits as XRP Whales Make Their Move

The post Ripple’s Singapore Approval Hits as XRP Whales Make Their Move appeared on BitcoinEthereumNews.com. Ripple has secured expanded regulatory approval in Singapore, strengthening its payments business in Asia just as XRP whale activity surges across spot markets. The move arrives during a challenging week for XRP’s price, but on-chain data suggests institutional-scale traders remain active. Sponsored Sponsored Ripple Gains Wider MAS Approval for Regulated Payments Ripple announced on December 1 that the Monetary Authority of Singapore (MAS) approved an expanded scope of payment activities under its Major Payment Institution (MPI) license for its subsidiary, Ripple Markets APAC Pte. Ltd. “With this approval, Ripple can broaden its regulated payment offerings and deliver greater value to customers in Singapore,” the company said in its statement. Monica Long, President of Ripple, praised MAS’s regulatory clarity. She explained that MAS has set a leading standard for regulatory clarity in the digital asset sector. This expanded license, she said, would enable Ripple to continue investing in Singapore. It would also power the firm’s capacity to build the infrastructure that financial institutions need to move money efficiently, quickly, and safely. Huge news from Singapore: https://t.co/KVxTs7IEKc The @MAS_sg has approved an expanded scope of payment activities for our Major Payment Institution license – enabling us to deliver end-to-end, fully licensed payment services to our customers in the region. 🇸🇬 — Ripple (@Ripple) December 1, 2025 The upgrade reinforces Ripple’s long-standing presence in Singapore, which has been home to its Asia-Pacific headquarters since 2017. MAS remains a global reference point for digital asset regulation, helping institutions scale adoption under clear compliance standards. Recently, MAS delayed the implementation of Basel crypto capital rules to January 2027 or later, giving banks more time to strengthen their risk and disclosure systems. Sponsored Sponsored Ripple emphasized that its payments suite, leveraging digital payment tokens (DPTs) such as RLUSD and XRP, offers fast, compliant cross-border settlement. The…

Author: BitcoinEthereumNews

2025/12/01

Ripple Wins Singapore License To Grow XRP Use

Ripple Wins Singapore License To Grow XRP Use

The post Ripple Wins Singapore License To Grow XRP Use appeared on BitcoinEthereumNews.com. Ripple received MAS approval to expand its MPI license, enabling end-to-end crypto payment services. The upgrade allows Ripple to act as a custodian and broker for institutions, not just a payment switch. The move follows a $500M fundraising round, valuing the fintech giant at $40 billion. Ripple has cemented its status as a dominant institutional player in Asia, announcing Monday that the Monetary Authority of Singapore (MAS) has approved an expansion of its Major Payment Institution (MPI) license. The regulatory upgrade allows its subsidiary, Ripple Markets APAC, to offer a “full-stack” digital asset service, covering custody, token trading, and cross-border settlement, under a single regulated umbrella. While Ripple has had an MPI license since 2023, the expanded scope authorizes it to facilitate end-to-end payment flows using Digital Payment Tokens (DPTs) like XRP and the newly launched RLUSD stablecoin. “… This expanded license strengthens our ability to continue investing in Singapore and to build the infrastructure financial institutions need to move money efficiently, quickly, and safely,” Ripple stated. Related: Ripple’s RLUSD Secures ‘Accepted Token’ Status from Abu Dhabi Regulator Singapore License Puts Ripple’s XRPL Payments In Institutional Flow The company announced that its subsidiary based in Singapore dubbed Ripple Markets APAC Pte. Ltd., received the Major Payment  Institution (MPI) license. With this approval, institutional players in Singapore can now access the end-to-end payment solution, which Ripple provides through the XRPL blockchain. Ripple will be providing seamless access to digital payment tokens (DPTs) on the XRPL chain. The DPTs are equivalent to ERC20 tokens on the Ethereum (ETH) network.  The ability Ripple is lending to Singapore’s market will enable people in the country to experience web3-boosted growth. Ripple has enabled services related to real-time cross-border payments for more than 10 years, especially between the United States and the Latin America (LATAM) corridor.…

Author: BitcoinEthereumNews

2025/12/01

Finfactor raises $15M in Series A funding led by WestBridge Capital

Finfactor raises $15M in Series A funding led by WestBridge Capital

The newly raised capital will support product development, expansion of its analytics capabilities and efforts to strengthen its technology stack for banks and other financial institutions.

Author: Yourstory

2025/12/01

De opkomst van DeFi: het traditionele finance van de cryptowereld

De opkomst van DeFi: het traditionele finance van de cryptowereld

Decentralized Finance, beter bekend als DeFi, heeft zich in korte tijd gepositioneerd als het traditionele finance van de crypto wereld. Deze innovatieve vorm van financiën gebruikt blockchain netwerken zoals Ethereum en Solana om financiële diensten te bieden zonder tussenkomst van traditionele financiële instellingen. Voor velen binnen en buiten de crypto-community roept dit vragen op: wat is DeFi eigenlijk, en hoe heeft het zich zo snel kunnen ontwikkelen? Waar staat DeFi ten opzichte van de blockchain? | Bron: Cryptotakkies Ontstaan van DeFi De term ‘DeFi’ begon rond 2018 aan populariteit te winnen, maar het was in 2019 en 2020 dat het echt doorbrak. Ethereum speelde een cruciale rol in de opkomst van DeFi, dankzij zijn flexibele en robuuste platform dat het ontwikkelen van smart contracts en gedecentraliseerde applicaties (dApps) mogelijk maakt. Deze periode wordt vaak gezien als de tijd waarin DeFi de kinderschoenen ontgroeide en een onmisbaar onderdeel van de crypto markt werd. Aandeel chains aan de hand van TVL | Bron: DeFi Llama De rol van Ethereum en Solana Ethereum is vanaf het begin de leider geweest op het gebied van DeFi-toepassingen, dankzij zijn pioniersrol in het aanbieden van een platform voor het bouwen van dApps. Solana, bekend om zijn hoge doorvoersnelheid en lage transactiekosten, is inmiddels opgeklommen tot een sterke tweede speler in de DeFi-space. De groei van DeFi op Solana sinds zijn ontstaan toont aan dat er ruimte is voor meer dan één netwerk in deze snelgroeiende sector. DeFi Llama rapporteert nu 343 DeFi blockchain netwerken. Wist je dat er op het Bitcoin blockchain netwerk ook DeFi-diensten worden aangeboden? Ordinals, die met de 4e Bitcoin subsidy rewards halving live ging, is daar een voorbeeld van.   Hoe Bitcoin kopen?Wij leggen uit hoe en waar jij het beste Bitcoin kunt kopen Waar Bitcoin kopen in 2025? Het kopen van BTC of crypto wordt in Nederland steeds makkelijker. En nu analisten hopen op vuurwerk voor Bitcoin richting het einde van 2025 , is de vraag: waar koop je de BTC? In deze handleiding laten we je precies zien hoe je dit doet. Stap voor stap leren we u… Continue reading De opkomst van DeFi: het traditionele finance van de cryptowereld document.addEventListener('DOMContentLoaded', function() { var screenWidth = window.innerWidth; var excerpts = document.querySelectorAll('.lees-ook-description'); excerpts.forEach(function(description) { var excerpt = description.getAttribute('data-description'); var wordLimit = screenWidth wordLimit) { var trimmedDescription = excerpt.split(' ').slice(0, wordLimit).join(' ') + '...'; description.textContent = trimmedDescription; } }); });   DeFi in 2024: een overzicht Vandaag de dag blijft DeFi groeien, met steeds meer toepassingen die worden ontwikkeld op zowel Ethereum als Solana. De totale waarde vergrendeld (TVL) in DeFi-projecten illustreert deze groei en is een goede indicator van hoeveel vertrouwen investeerders stellen in deze technologie. Dashboards zoals DeFi Lama bieden een helder overzicht van TVL over verschillende blockchains heen, wat essentieel is om de dynamiek en ontwikkeling van de markt te begrijpen. Ethereum heeft een 8 keer grotere TVL dan Solana. Dit zou een sterker DeFi-netwerk kunnen uitwijzen. Overzicht top 10 DeFi netwerken | Bron: DeFi Llama Voordelen van investeren in DeFi Investeren in DeFi biedt enkele unieke voordelen, zoals hogere rendementen dan traditionele bankproducten, transparantie door de openbaarheid van de blockchain, en toegankelijkheid ongeacht geografische of financiële achtergrond. Deze aspecten maken DeFi bijzonder aantrekkelijk voor diegenen die op zoek zijn naar alternatieve investeringsroutes buiten het traditionele financiële systeem. Hoe kan ik investeren met DeFi? DeFi biedt tal van mogelijkheden om te investeren. Je kunt op verschillende DEX’en, kort voor Decentralized Exchanges, digitale valuta lenen of uitlenen, je geld in een liquidity pool inzetten en de winsten van je liquidity pool-investering opnieuw inzetten (yield farming). Hiernaast kun je ook staken. Er zijn verschillende DeFi-platformen die functionaliteit bieden om te profiteren van de technologie van digitale valuta. Voorbeelden zijn Aave en Compound (lending), Uniswap, Pancakeswap, Bancor en Balancer (multi-DeFi-platform). Hier kun je de DEX-platformen op Ethereum ontdekken. Hier kun je de DEX-platformen op Solana ontdekken. Risico’s van DeFi Echter, zoals bij elke investering, komen ook bij DeFi risico’s kijken. De voornaamste risico’s omvatten technische risico’s zoals smart contract kwetsbaarheden en hacks, marktrisico’s zoals volatiliteit in de waarde van cryptocurrencies, en liquiditeitsrisico’s. Potentiële investeerders moeten zich bewust zijn van deze risico’s en grondig onderzoek doen voordat ze investeren. Conclusie DeFi heeft zich ontpopt als de traditionele finance van de crypto wereld, een revolutie die nog maar net begonnen is. Door platforms zoals Ethereum en Solana wordt het landschap van financiële diensten herdefinieerd, waarbij de macht wordt verschoven van traditionele financiële instellingen naar de individuele gebruiker. Voor iedereen die de technische wereld achter cryptocurrencies wil begrijpen en hoe deze ontwikkelingen invloed kunnen hebben op hun financiële toekomst, is DeFi een gebied om nauwlettend in de gaten te houden. @media (max-width: 700px) { .crypto-cta-banner { padding: 0 0 0 20px; font-size: 12px; } .crypto-cta-button { padding: 0 10px; font-size: 12px; } .crypto-desktop-text { display: none; } .crypto-mobile-text { display: block; } } @media (min-width: 701px) { .crypto-mobile-text { display: none; } } Connect met Like-minded Crypto Enthusiasts! Connect op Discord! Check onze Discord   Wil je meer leren over DeFi? Cryptotakkies gaat in gesprek met Berend Eggeraat van Poolder over hoe fondsen verdienen met DeFi. Bitcoinmagazine.nl werkt samen met Cryptotakkies. Wij zijn van mening dat groeiende cryptoadoptie alleen kan door goed onderwijzen van onze oudere, maar vooral jongere generatie. Door deze doelgroep goed te informeren en op speelse wijze en in hun eigen taal uitleg te geven over de wereld van crypto. Als onderdeel van deze samenwerking schrijft een expert van Cryptotakkies elke twee weken, twee uitgebreide artikelen over onderwerpen die in de tweewekelijkse podcast aan bod komen.  Het bericht De opkomst van DeFi: het traditionele finance van de cryptowereld is geschreven door Charlotte Vis en verscheen als eerst op Bitcoinmagazine.nl.

Author: Coinstats

2025/12/01

Strategy’s Green Dots Suggest Flexibility, Fueling Interest in $HYPER Presale

Strategy’s Green Dots Suggest Flexibility, Fueling Interest in $HYPER Presale

What to Know: Strategy’s willingness to keep Bitcoin sales ‘on the table’ reflects a broader shift toward tactical, actively managed $BTC exposure without abandoning long-term conviction. As Bitcoin’s base layer remains constrained by low throughput and high, cyclical fees, traders increasingly look to Layer 2 infrastructure as leveraged expressions of $BTC upside. Bitcoin Hyper targets Bitcoin’s speed and programmability gap with an SVM-powered Layer 2 that aims for Solana-level performance while settling to Bitcoin. When you see a long-term Bitcoin accumulator suddenly flashing ‘green dots’ instead of just quietly stacking sats, you aren’t just watching a trade, you’re watching a shift in conviction. Many saw the green dots as a sign for more Bitcoin purchases, while others saw it as buybacks or a restructuring of assets. The willingness of major players like Strategy to keep potential $BTC sales on the table signals a massive evolution in the market. Even the loudest ‘HODL forever’ thesis is now being wrapped in active risk management. For you as a trader or allocator, that nuance changes everything. If the most visible corporate-style HODLers are comfortable dialing risk up and down around a core $BTC position, it legitimizes a more tactical approach for the rest of us. It’s no longer a binary choice between ‘all spot, all the time’ or exiting to fiat. Instead, we are seeing sophisticated traders keeping their ‘hard money’ core while rotating a slice of their stack into high-beta ecosystem plays. Why? Because everyone agrees on one thing: Bitcoin’s base layer is incredible for settlement, but it is too slow (~7 TPS) and too rigid for modern apps. The market is realizing that infrastructure, scaling, and programmability layers could outgrow $BTC itself on a percentage basis in a bull cycle. Just as we saw with Ethereum’s modular stack, the real leverage often lies in the layers built on top of the base asset. This is why tactical Bitcoin exposure is drifting toward Layer-2s. Traders are looking for leveraged expressions of Bitcoin’s strength without leaving the ecosystem, hunting for the infrastructure that finally unlocks $BTC for DeFi and gaming. And this is where Bitcoin Hyper ($HYPER) enters the fold. Bitcoin Hyper: The ‘Best of Both Worlds’ Engine If you believe Bitcoin will remain the king of settlement but acknowledge it can’t host high-speed gaming or complex DeFi, then you need a high-performance execution layer. Bitcoin Hyper ($HYPER) is designed to be exactly that. It creates a fusion that combines Bitcoin’s massive liquidity and security with a real-time Solana Virtual Machine (SVM) Layer-2 for execution. By integrating the SVM, Bitcoin Hyper isn’t just trying to be faster; it’s aiming for sub-second confirmations and throughput in the thousands of transactions per second. It leans into Solana-style performance while settling back to Bitcoin. This directly solves the biggest headaches we all face with $BTC: agonizingly slow block times and fees that spike when the mempool gets clogged. Crucially, this system relies on a Canonical Bridge. This decentralized bridge is the vital link that handles $BTC transfers into the ecosystem, ensuring that assets move securely between the mainnet and the Layer 2. It positions the network not as a competitor trying to kill Bitcoin, but as a modular extension that finally makes your $BTC usable for high-speed swaps, lending, and staking. For full details, check out our ‘What is Bitcoin Hyper’ guide. The Financial Upside: Whales and ROI Potential For traders who are reading the market’s ‘green dots’ as a sign to be nimble, the financial setup for $HYPER is looking increasingly attractive. Smart money is already making significant moves to secure its position before the public catches on. We aren’t talking about small change here; we are seeing massive whale conviction. In the last months, we tracked buy-ins of $500K and $379.9K. When wallets of this size start accumulating a presale token, it’s usually a signal that they see something the retail market hasn’t fully priced in yet. Currently, the token is priced at $0.013355. However, our experts see $HYPER hitting $0.08625 by the end of 2026. If you choose to invest at today’s price, hitting that target would give you an ROI of around 545%. The presale has already raised over $28.8M, and with staking rewards at 40% the incentives are aligned for early adopters. If you want $HYPER, get it soon, as a price increase is coming. Don’t miss your chance to be part of the $HYPER revolution. Remember, this isn’t intended as financial advice, and you should always do your own research before investing. Authored by Aaron Walker, NewsBTC — https://www.newsbtc.com/news/strategy-green-bitcoin-dots-fuel-interest-bitcoin-hyper  

Author: NewsBTC

2025/12/01

HSBC Mistral AI partnership targets next-generation enterprise banking innovation

HSBC Mistral AI partnership targets next-generation enterprise banking innovation

In a move that underlines how fast generative technology is reshaping finance, HSBC mistral ai is at the center of a new strategic push to modernise global banking operations. How will the HSBC and Mistral AI partnership transform the bank? HSBC and Mistral AI have signed a multi-year strategic partnership to accelerate the use of […]

Author: The Cryptonomist

2025/12/01

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