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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.

15848 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
AI Recipe Maker: When Ancient Food Rules Meet Modern Algorithms

AI Recipe Maker: When Ancient Food Rules Meet Modern Algorithms

Most nutrition apps still think in two dimensions: macronutrients and micronutrients. Protein, carbs, fat, vitamins, minerals. Useful, yes. But from an Ayurvedic lens, that is like judging a whole symphony by the volume of the drums. In Ayurveda, every food is multi dimensional. A single ingredient is defined by: Dosha effect: does it aggravate or […] The post AI Recipe Maker: When Ancient Food Rules Meet Modern Algorithms appeared first on TechBullion.

Author: Techbullion

2025/11/29

Hong Kong Mortgage Applications Decline by 0.7% in October 2025

Hong Kong Mortgage Applications Decline by 0.7% in October 2025

The post Hong Kong Mortgage Applications Decline by 0.7% in October 2025 appeared on BitcoinEthereumNews.com. Luisa Crawford Nov 28, 2025 09:31 The Hong Kong Monetary Authority reports a 0.7% decrease in mortgage applications for October 2025, with approved loans reaching HK$31.3 billion. October 2025 Mortgage Survey Overview The Hong Kong Monetary Authority (HKMA) has released the results of its residential mortgage survey for October 2025, revealing a slight decline in the number of mortgage applications. According to the survey, applications fell by 0.7% from the previous month, totaling 8,255 applications. Loan Approvals and Market Dynamics Despite the decrease in applications, the total value of approved mortgage loans in October remained steady at HK$31.3 billion, similar to September’s figures. However, the landscape within the market showed some shifts. Loans financing primary market transactions experienced a 2.1% decrease, amounting to HK$12.4 billion. In contrast, loans for secondary market transactions saw a 3.4% rise, reaching HK$16 billion. Refinancing loans declined significantly by 8.4% to HK$3 billion. Mortgage Drawdowns and Interest Rates The survey also highlighted a 3.5% reduction in mortgage loans drawn down during October, totaling HK$20.1 billion. There was a slight shift in interest rate preferences among borrowers. The proportion of new mortgage loans referencing the Hong Kong Interbank Offered Rate (HIBOR) decreased from 92.6% in September to 91.9% in October. Similarly, loans priced with reference to best lending rates dropped from 1.5% to 1.3%. Outstanding Loans and Delinquency Ratios The outstanding value of mortgage loans saw a modest increase of 0.8%, reaching HK$1,907.4 billion by the end of October. The mortgage delinquency ratio remained low at 0.13%, and the rescheduled loan ratio held steady at nearly 0%. For further details, the full report is available on the Hong Kong Monetary Authority.Image source: Shutterstock Source: https://blockchain.news/news/hong-kong-mortgage-applications-decline-october-2025

Author: BitcoinEthereumNews

2025/11/29

Anonymous Cryptocurrencies: Privacy vs Regulation in 2025

Anonymous Cryptocurrencies: Privacy vs Regulation in 2025

Introduction to Anonymous Cryptocurrencies As digital finance continues to accelerate, platforms like AlphaTrade AI help traders and investors make sense of the rapidly expanding sector of privacy-focused cryptocurrencies. In a world where financial surveillance and data tracking are becoming increasingly widespread, anonymous cryptocurrencies offer a compelling alternative by enabling secure, untraceable transactions that protect user […] The post Anonymous Cryptocurrencies: Privacy vs Regulation in 2025 appeared first on TechBullion.

Author: Techbullion

2025/11/29

The Role of Blockchain in Modern Life, from Business to Entertainment

The Role of Blockchain in Modern Life, from Business to Entertainment

The post The Role of Blockchain in Modern Life, from Business to Entertainment appeared on BitcoinEthereumNews.com. In barely over a decade, blockchain has slipped from obscure cryptographic experiment into the background machinery of modern life. What began as the backbone of Bitcoin now underpins payment systems, enterprise workflows, digital art markets, experimental games, and new kinds of online casinos. Analysts estimate that the global blockchain technology market reached around $18.3 bln in 2024, with forecasts of more than 50% compound annual growth well into the 2030s. From Ledger to Living Infrastructure If early ledgers were carved into clay or copied by hand in dim offices, today’s ledgers are broadcast around the world in milliseconds. Public blockchains record open networks of transactions; private and consortium chains knit together specific industries. Together they are starting to behave less like a niche curiosity and more like infrastructure. Industry forecasts suggest global crypto owners could reach 750-900 mln by the end of 2025, roughly 15% of the world’s internet population. Trust, Money, and the New Payment Rails Cryptocurrencies showed that value could be transferred without a central clearing house. Stablecoins added a bridge back to familiar fiat currencies, while decentralized finance (DeFi) protocols layered lending, trading, and yield strategies onto programmable smart contracts. A recent analysis projects DeFi revenues at around $27 bln in 2024, with the potential to reach more than $70 bln by 2026. That growth is driven by a simple promise: faster settlement, 24/7 markets, and transparent rules coded into contracts rather than buried in fine print. For ordinary users, these abstract structures appear as very concrete conveniences, with fast clearing of cross-border remittances and peer-to-peer payments freely flowing through mobile wallets. Enterprise Use: Supply Chains, Identity and Data Integrity Enterprises are turning to blockchain to solve a quieter problem of who they should trust with the record. Businesses are exploring blockchain for end-to-end product traceability in…

Author: BitcoinEthereumNews

2025/11/29

Cathie Wood’s ARK Sticks To $1.5M Bitcoin Target, Predicts Market Recovery

Cathie Wood’s ARK Sticks To $1.5M Bitcoin Target, Predicts Market Recovery

The post Cathie Wood’s ARK Sticks To $1.5M Bitcoin Target, Predicts Market Recovery appeared on BitcoinEthereumNews.com. This week, cryptocurrency markets staged a long-awaited recovery, following four consecutive weeks of downside momentum. Bitcoin’s (BTC) price reclaimed the $90,000 psychological mark on Wednesday, bringing some much-needed relief for Bitcoin exchange-traded fund (ETF) holders, who were once again back in profit as BTC traded above the key $89,600 flow-weighted cost basis of ETF buyers. Bolstering investor sentiment, Cathie Wood, the CEO and chief investment officer of ARK Invest, said the company’s $1.5 million Bitcoin bull market price prediction remained unchanged, pointing to billions in returning liquidity following the end of the US government shutdown. The crypto market recovery followed a sharp increase in expectations of interest rate cuts in the US, with odds rising by 46% in a week. Markets are pricing in an 85% chance of a 25 basis point interest rate cut at the US Federal Reserve’s Dec. 10 meeting, up from 39% a week before, according to the CME Group’s FedWatch tool. Interest rate cut probabilities. Source: CMEgroup.com However, Bitcoin is still facing the worst November in seven years, as the world’s first cryptocurrency is down about 17% on the monthly chart, despite the month averaging 41% historic Bitcoin returns, according to blockchain data provider CoinGlass. Cathie Wood says ARK’s $1.5 million Bitcoin bull price hasn’t changed as markets eye rally Equities and cryptocurrency markets may be setting up for a year-end reversal as liquidity improves and US monetary policy turns more supportive following the end of the record government shutdown. Improving market conditions will be driven by the increasing liquidity, which has already returned $70 billion into markets since the end of the US government shutdown, with another $300 billion expected to return over the next five to six weeks as the Treasury General Account normalizes, according to investment management company ARK Invest. Another potential…

Author: BitcoinEthereumNews

2025/11/29

USDC Minting Surges on Solana as Circle Issues 1 Billion USDC in 24 Hours

USDC Minting Surges on Solana as Circle Issues 1 Billion USDC in 24 Hours

The post USDC Minting Surges on Solana as Circle Issues 1 Billion USDC in 24 Hours appeared on BitcoinEthereumNews.com. COINOTAG News, citing Onchain Lens, reports that Circle minted 1 billion USDC on the Solana network in the past 24 hours. The milestone underscores persistent stablecoin issuance within Solana’s ecosystem and highlights USDC liquidity as a key driver for DeFi activity. The data signals continued demand for scalable, low‑fee settlement rails across Solana, reinforcing the token’s role in cross‑protocol flows and treasury management. Since October 11, total minting on the Solana network has reached 12.25 billion USDC, reflecting cumulative growth in stablecoin supply. This expansion could bolster liquidity for DEXs, lending platforms, and payments within Solana‑powered projects, while investors weigh regulatory and risk considerations. The figures come from Onchain Lens via COINOTAG News, offering a credible snapshot of Circle and USDC activity on Solana. Source: https://en.coinotag.com/breakingnews/usdc-minting-surges-on-solana-as-circle-issues-1-billion-usdc-in-24-hours

Author: BitcoinEthereumNews

2025/11/29

Arthur Hayes Makes Shocking Bitcoin Prediction For Year-End

Arthur Hayes Makes Shocking Bitcoin Prediction For Year-End

The post Arthur Hayes Makes Shocking Bitcoin Prediction For Year-End appeared on BitcoinEthereumNews.com. Arthur Hayes is standing by his prediction that Bitcoin could reach $200,000–$250,000 by the end of 2025, despite the October–November crash and lingering market fear.  Speaking on the Milk Road Show on November 26, he said the recent drop to $80,000 marked the cycle bottom and argued that global dollar liquidity has turned a corner. “I’m going to stick with it,” Hayes said when asked if his $200,000–$250,000 target still holds with only weeks left in the year. “If I’m wrong it doesn’t matter… I’m long, I’m still happy either way.” Sponsored Sponsored Hayes Calls $80,000 the Bottom After Liquidity Shock Hayes framed the entire move from Bitcoin’s $125,000 high down to $80,000 as a liquidity-driven reset, not the start of a new bear market. He said his Bloomberg-based US dollar liquidity index showed about $1 trillion drained from dollar money markets between July and now.  This came from the US Treasury refilling its account and the Federal Reserve continuing quantitative tightening. People think Bitcoin runs on halving cycles. Wrong. It runs on liquidity, politics and the US business cycle. Which hasn’t even started yet. 2026 is where the fireworks starts:– QT ending – The US Midterm election– Booming economy and stock market for reelection purposes-… pic.twitter.com/aiyOOlODm1 — Quinten | 048.eth (@QuintenFrancois) November 28, 2025 According to Hayes, Bitcoin ignored that liquidity drain for months because ETF inflows and Digital Asset Treasury (DAT) issuances masked the damage.  Once those flows flipped, he said, Bitcoin “fell down to where it should have been based on the dollar liquidity situation.” Sponsored Sponsored ETF “Institutional Bid” Was Just a Basis Trade Hayes argued that the widely celebrated ETF bid was badly misunderstood by retail traders. The largest holders of BlackRock’s IBIT ETF are firms like Brevan Howard, Goldman Sachs, Millennium, Jane Street and…

Author: BitcoinEthereumNews

2025/11/29

Ethena Labs Rakes in $4.85M in Daily Fees, Outpacing Major Protocols

Ethena Labs Rakes in $4.85M in Daily Fees, Outpacing Major Protocols

Ethena Labs’ token ENA generated $4.85M in fees over 24 hours, vaulting to third on a fee leaderboard behind Tether and Circle.

Author: Blockchainreporter

2025/11/29

Arthur Hayes Sticks To His Extreme Bitcoin Price Prediction for Year-End

Arthur Hayes Sticks To His Extreme Bitcoin Price Prediction for Year-End

Arthur Hayes is standing by his prediction that Bitcoin could reach $200,000–$250,000 by the end of 2025, despite the October–November crash and lingering market fear.  Speaking on the Milk Road Show on November 26, he said the recent drop to $80,000 marked the cycle bottom and argued that global dollar liquidity has turned a corner. “I’m going to stick with it,” Hayes said when asked if his $200,000–$250,000 target still holds with only weeks left in the year. “If I’m wrong it doesn’t matter… I’m long, I’m still happy either way.” Hayes Calls $80,000 the Bottom After Liquidity Shock Hayes framed the entire move from Bitcoin’s $125,000 high down to $80,000 as a liquidity-driven reset, not the start of a new bear market. He said his Bloomberg-based US dollar liquidity index showed about $1 trillion drained from dollar money markets between July and now.  This came from the US Treasury refilling its account and the Federal Reserve continuing quantitative tightening. According to Hayes, Bitcoin ignored that liquidity drain for months because ETF inflows and Digital Asset Treasury (DAT) issuances masked the damage.  Once those flows flipped, he said, Bitcoin “fell down to where it should have been based on the dollar liquidity situation.” ETF “Institutional Bid” Was Just a Basis Trade Hayes argued that the widely celebrated ETF bid was badly misunderstood by retail traders. The largest holders of BlackRock’s IBIT ETF are firms like Brevan Howard, Goldman Sachs, Millennium, Jane Street and Avenue.  These are not long-only Bitcoin believers, he stressed, but basis traders exploiting a spread. “They’re taking the IBIT ETF, they buy it, they pledge it with their broker, then they sell a futures contract… they were making let’s call it 7 to 10% per annum on that trade,” he said.  As funding rates fell in September and October, those players unwound the trade by selling ETFs and buying back futures, turning ETF flows negative. Retail investors then misread the outflows as “institutions dumping Bitcoin,” Hayes said, without understanding that institutions were only unwinding a funding strategy. Hayes also highlighted the role of Digital Asset Treasury companies, which issue stock and debt to buy Bitcoin when their market NAV trades at a premium. When those stocks fell to par or discount, he said, this model broke. DATs could no longer issue new securities in an accretive way.  Some even had an incentive to sell Bitcoin and buy back their own shares. “All we know is that we have essentially bottomed on the liquidity chart and the direction in the future is higher,” he said. “That’s why I believe that the $80,000 dip on Bitcoin recently is the bottom.” He expects the next leg of liquidity to come less from the Fed and more from the commercial banking system, pointing to early signs of renewed bank lending and political plans for a credit-fuelled industrial build-out. Why Bitcoin Is “Stuck” Around $90,000 For Now Asked why Bitcoin still trades near $90,000 if the liquidity outlook is improving, Hayes pointed to uncertainty over how aggressively the new US administration will actually create credit. Markets, he said, still question how and when another “$10 trillion” of liquidity will materialise.  Promises about bank lending, industrial policy, and a new Fed chair remain political talk until they turn into concrete programs and flows. “Once we actually start to see things happen, markets will price a bigger forward on where this dollar liquidity situation is and risk assets like Bitcoin will accelerate their rise in price,” Hayes said.

Author: Coinstats

2025/11/29

Stablecoin Supply Boost Comes Despite Crypto Market Drawdown

Stablecoin Supply Boost Comes Despite Crypto Market Drawdown

The post Stablecoin Supply Boost Comes Despite Crypto Market Drawdown appeared on BitcoinEthereumNews.com. Bitcoin (BTC) has retained a key bull signal despite the crypto market drawdown, new research says. Key points: Stablecoin supply trends stay positive for crypto market growth, new research shows. The ERC-20 stablecoin supply alone is at $185 billion. Binance users are storing stablecoin “dry powder” for market entries. Research: Stablecoins matter more than M2 supply Data from onchain analytics platform CryptoQuant confirms that the supply of stablecoins continues to circle all-time highs in November. Crypto internal liquidity points the way to fresh growth despite recent short-term setbacks, CryptoQuant shows. In 2025, the total stablecoin supply on Ethereum network (ERC-20) alone has reached $185 billion — a new all-time high — and continues to hover at that level this month. “This growth is more consistent than Bitcoin’s price and directly reflects capital entering the crypto ecosystem,” contributor XWIN Research Japan commented in one of CryptoQuant’s Quicktake blog posts. ERC-20 stablecoin supply (screenshot). Source: CryptoQuant As Cointelegraph reported, crypto price performance has regularly been linked to changes in the global M2 money supply. After that liquidity measure hit record highs of its own earlier in 2025, its growth has since cooled, ushering in a more uncertain period for risk assets. BTC/USD vs. global M2 supply. Source: CryptoQuant XWIN, however, argues that stablecoins are more important as a yardstick for industry performance. “Stablecoin supply matters because: 1. It is the primary liquidity source for trading, DEXs, lending, and derivatives. 2. It adjusts quickly, capturing investor flows faster than monthly/quarterly M2 data. 3. It tracks institutional and ETF-related inflows into crypto,” it said, adding: “In both the 2021 bull market and the 2024–2025 recovery, rising stablecoin supply clearly preceded Bitcoin’s upside.” Stablecoin “dry powder” in focus The trend is reflected in liquidity shifts on the largest global crypto exchange, Binance. Related: Bitcoin sees…

Author: BitcoinEthereumNews

2025/11/29

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