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.

15685 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
ECB CEO Sends Alarm: Stablecoin Surge Could Shake Bank Funding

ECB CEO Sends Alarm: Stablecoin Surge Could Shake Bank Funding

TLDR ECB warns stablecoins may drain bank deposits and weaken lending capacity. $280B stablecoin surge drives urgency for stronger global regulatory control. Cross-border stablecoin use risks oversight gaps without unified frameworks. Regulators eye stricter limits on multi-issuance schemes to protect EU markets. Rapid digital token adoption boosts innovation but tests long-term stability. Stablecoin growth continues [...] The post ECB CEO Sends Alarm: Stablecoin Surge Could Shake Bank Funding appeared first on CoinCentral.

Author: Coincentral
Folks Finance Revolutionizes Cross-Chain Lending with Monad Launch and $40K Rewards

Folks Finance Revolutionizes Cross-Chain Lending with Monad Launch and $40K Rewards

BitcoinWorld Folks Finance Revolutionizes Cross-Chain Lending with Monad Launch and $40K Rewards The cryptocurrency landscape just got more exciting as Folks Finance announces its groundbreaking launch on Monad. This major expansion brings integrated liquidity and native cross-chain capabilities to the growing DeFi ecosystem. If you’re invested in the future of decentralized finance, this development deserves your attention. What Makes Folks Finance on Monad So Significant? Folks Finance […] This post Folks Finance Revolutionizes Cross-Chain Lending with Monad Launch and $40K Rewards first appeared on BitcoinWorld.

Author: bitcoinworld
Enso announces day-one integration and full support for Monad Mainnet launch

Enso announces day-one integration and full support for Monad Mainnet launch

Enso confirms full integration for the Monad mainnet launch, giving developers immediate access to DeFi tooling and liquidity from day one.

Author: Crypto.news
Hyperscale Data, Inc. (GPUS) Stock: Soars Boosted by 382 BTC Holdings and Weekly Accumulation Strategy

Hyperscale Data, Inc. (GPUS) Stock: Soars Boosted by 382 BTC Holdings and Weekly Accumulation Strategy

TLDR Hyperscale Data jumps 21.6% as Bitcoin reserves hit 382 and keep growing. Consistent BTC buys plus mining boost positions company among top holders. Strategic expansion in AI and mining fuels investor confidence and growth. Diversified operations support treasury goals ahead of 2026 restructuring. Daily Bitcoin mining and weekly purchases power stock surge and rankings. [...] The post Hyperscale Data, Inc. (GPUS) Stock: Soars Boosted by 382 BTC Holdings and Weekly Accumulation Strategy appeared first on CoinCentral.

Author: Coincentral
ADA Struggles at $0.55 While MUTM Nears Phase 6 95% Sellout, Which Is the Best Crypto to Buy?

ADA Struggles at $0.55 While MUTM Nears Phase 6 95% Sellout, Which Is the Best Crypto to Buy?

Cardano is entering another difficult phase of price action as buyers lose strength near a key resistance level. At the same time, a new DeFi crypto under $0.05 is close to selling out its largest presale phase. This contrast is starting to shape investor behavior as the market moves into an important period. Many traders [...] The post ADA Struggles at $0.55 While MUTM Nears Phase 6 95% Sellout, Which Is the Best Crypto to Buy? appeared first on Blockonomi.

Author: Blockonomi
Arthur Hayes Predicts Bitcoin Will Hold Above $80k as Fed Ends QT

Arthur Hayes Predicts Bitcoin Will Hold Above $80k as Fed Ends QT

The post Arthur Hayes Predicts Bitcoin Will Hold Above $80k as Fed Ends QT appeared on BitcoinEthereumNews.com. BitMEX co-founder Arthur Hayes has again commented on what’s next for the Bitcoin price as the flagship crypto continues to trade within the $80,000 range. Hayes alluded to improving liquidity, indicating that the bottom was in for BTC and predicting that the $80,000 support would hold. Hayes Reveals What’s Next For Bitcoin Amid Upcoming Fed Policy Change In an X post, the BitMEX co-founder stated that he thinks BTC will hold above the $80,000 support, though he predicts the flagship crypto may see one last drop into the low $80,000 amid choppy price action. Hayes also raised the possibility of Bitcoin testing key resistances soon enough, but added that the “bazooka” in reference to a price surge would likely happen next year. Meanwhile, He also noted minor improvements in liquidity, which is a positive for Bitcoin. The BitMEX co-founder alluded to the Fed ending quantitative tightening on December 1 by halting its balance sheet run-off. Hayes added that the U.S. banks also increased lending this month, which is likely also contributing to the improvement in market liquidity. As CoinGape reported, Hayes had last week stated that the Bitcoin crash to as low as $81,000 was due to a decline in dollar liquidity. However, he expects the liquidity to still pick up before the year runs out, which is why he has predicted that the flagship crypto could still reach between $200,000 and $250,000 by year-end. The BitMEX co-founder also recently stated that the bottom for Bitcoin is near. However, he urged market participants to wait for AI tech stocks to crash before going all in. Hayes expects that the U.S. Treasury and Fed will inject more liquidity into the market if that happens. A Fed Rate Cut Doesn’t Matter Arthur Hayes also suggested that Bitcoin’s recovery isn’t hinged on whether…

Author: BitcoinEthereumNews
Antalpha announced a $10 million stock buyback program that will continue until the end of 2026.

Antalpha announced a $10 million stock buyback program that will continue until the end of 2026.

PANews reported on November 24th that Antalpha (NASDAQ: ANTA), a crypto-financial technology company focused on serving Bitcoin mining companies, announced that its board of directors approved a share buyback program of up to $10 million, running until December 31, 2026. CFO Paul Liang stated that the buyback program will further unlock shareholder value, driven by revenue growth and enhanced risk management capabilities. Antalpha also recently increased its investment in Aurelion (NASDAQ: AURE) to develop its RWA lending product backed by Tether Gold, strengthening its balance sheet resilience. Related reading: Antalpha IPO: A key move in Bitmain's financial strategy?

Author: PANews
Saylor Says ‘I Won’t Back Down’ As Traders Eye Best Altcoins Like Bitcoin Hyper

Saylor Says ‘I Won’t Back Down’ As Traders Eye Best Altcoins Like Bitcoin Hyper

What to Know: Saylor’s ‘I Won’t Back Down’ message comes as Bitcoin slides toward $80K–$85K, pressuring leveraged players and reigniting crash warnings. Strategy’s 649K+ BTC stack remains profitable on paper, but the stock premium has nearly vanished, testing investor patience with the treasury bet. U.Today+1 Bitcoin Hyper aims to solve Bitcoin’s throughput, fees, and programmability issues with an SVM-based Layer-2 that keeps Bitcoin as the settlement layer. The $HYPER presale has raised over $28M, offers around 41% staking rewards, and targets multi-X upside if its Layer-2 roadmap and ecosystem delivery succeed. Bitcoin just pulled off one of the nastiest rug-pull-looking dips of the entire cycle. In a matter of hours, the price fell from above $120K to sub-$90K and even wicked into the $80,600 zone, wiping out billions in longs and reigniting the classic “it’s over, lads” chorus across Crypto X. And right in the middle of the chaos, Michael Saylor dropped four words that could basically be printed on his business card: “I won’t back down.” This time, the line carried extra weight. His company, Strategy, is now sitting on roughly 649,870 BTC at an average price near $74,430, still in profit despite the crash, even as the stock gets punished and critics wonder how long a leveraged Bitcoin maxi can stare down this kind of volatility. Strategy even ran a poll that showed nearly 78% of respondents were simply HODLing through the sell-off. Hardcore Bitcoiners still see turbulence, not terminal failure, but not everyone’s built for that degree of mark-to-market pain. Retail, smaller funds, and DeFi traders are increasingly searching for ways to keep Bitcoin exposure without just holding spot and praying. That’s where the new rotation narrative comes in. If Bitcoin stays the monetary backbone of crypto, the best altcoins this cycle may be the ones solving what Bitcoin can’t: throughput, fees, and programmability. Bitcoin Hyper ($HYPER) fits that thesis almost too well, positioning itself as a Bitcoin Layer-2 designed to make BTC behave like a fast, flexible, programmable asset, all without compromising the base layer. Bitcoin Hyper Turns Bitcoin Volatility Into Layer-2 Utility Behind the branding, Bitcoin Hyper is targeting a very real structural gap in the Bitcoin ecosystem. BTC still handles only a handful of transactions per second, and fees spike whenever activity increases, which is why most of today’s DeFi, NFTs, and on-chain experimentation have migrated to faster environments, such as Solana. Bitcoin Hyper’s solution is a rollup-style Layer-2 anchored to Bitcoin but powered by an SVM (Solana Virtual Machine) execution layer. Users send BTC to a monitored main-chain address, a canonical bridge verifies the deposit, and the network mints an equivalent amount of wrapped BTC on Hyper. From there, transactions run on a high-throughput chain with near-instant finality and low fees, while zero-knowledge proofs periodically settle back to Bitcoin L1. The architecture aims to preserve Bitcoin’s security while moving actual activity, payments, DEX trades, lending, NFT markets, even meme-coin chaos, onto a chain that feels Solana-fast. Because it uses SVM, existing Rust developers can port their apps with minimal friction, giving Hyper a realistic shot at building an ecosystem instead of becoming another pretty but empty L2. Of course, there are risks. $HYPER is still in presale, and the roadmap is ambitious: audits and presale throughout 2025, mainnet and SVM+dApp integration between late 2025 and early 2026, then token listings, SDKs, and a DAO rollout in 2026. Execution needs to hit those milestones for the L2 thesis to play out. Security is at least trending positively. The contracts have already cleared audits from Coinsult and SpyWolf, with no hidden mint functions or obvious backdoors flagged, a good start, even if it doesn’t eliminate the typical smart-contract and market risks associated with new chains. For anyone who wants to stay structurally long Bitcoin while also capturing upside from where the next wave of blockspace demand might land, $HYPER offers a clean play. If Bitcoin activity increases and DeFi migrates toward BTC-secured infrastructure, a functioning Bitcoin-anchored Layer-2 could absorb a disproportionate share of that value. Inside the Bitcoin Hyper Presale and $HYPER Token Economics While Bitcoin has been violently whipsawing, the Bitcoin Hyper presale has been doing the opposite, grinding steadily upward. It has now crossed $28.3M raised, with the current stage pricing $HYPER around $0.013325. That still puts it in micro-cap range, but the raise is now large enough that this is no longer a small degen side-quest. Real capital is flowing in. Presale buyers can also stake $HYPER at 41% rewards, with more than a billion tokens already locked. Those yields will naturally taper off as more wallets join in, but the intent is clear: early participants are encouraged to behave like long-term network partners, not short-term flippers. It aligns neatly with the idea of $HYPER acting as a “beta on Bitcoin’s evolution” rather than just another momentum meme. On the valuation side, upside scenarios being circulated are bold but at least mathematically grounded. One widely shared fundamental review puts a potential 2025 high near $0.02595 once mainnet is live and liquidity deepens, roughly a 2x from the current presale range if the thesis holds. More aggressive models project further out, mapping a possible 2026 high around $0.08625 and a 2030 target near $0.253, assuming the roadmap lands, the ecosystem fills in, and major exchanges eventually list the token. Relative to today’s pricing, that implies roughly 6–7x to the 2026 level and close to 19x by 2030. Nothing is guaranteed, but it explains why $HYPER keeps showing up in alt-rotation threads whenever traders discuss asymmetric setups tied to Bitcoin infrastructure instead of random meme noise. Crucially, $HYPER isn’t pitched as a hedge against Bitcoin; it’s pitched as a way to amplify it. If Saylor’s “I Won’t Back Down” stance represents the diamond-hands end of the spectrum, Bitcoin Hyper is where the more risk-tolerant crowd is rotating: still ideologically long BTC, but looking to high-beta Layer-2 infrastructure for bigger potential multiples as the cycle churns through volatility. This article is informational only; crypto, especially presales, is highly volatile. Always do your own research and never risk rent money. Authored by Aaron Walker, NewsBTC – https://www.newsbtc.com/news/best-altcoins-saylor-wont-back-down-bitcoin-hyper-presale

Author: NewsBTC
Arthur Hayes Predicts $80K Floor for Bitcoin

Arthur Hayes Predicts $80K Floor for Bitcoin

The post Arthur Hayes Predicts $80K Floor for Bitcoin appeared first on Coinpedia Fintech News Arthur Hayes noted slight improvement in liquidity, expecting the Federal Reserve to stop quantitative tightening on December 1, with U.S. banks increasing lending in November. He predicts Bitcoin could fluctuate below $90,000, possibly dipping to the low $80,000s, but believes the $80,000 level will hold firm. Hayes’ outlook reflects cautious optimism amid ongoing market adjustments and …

Author: CoinPedia
Crypto Exchange VALR Taps OpenPayd to Power Global Fiat Infrastructure

Crypto Exchange VALR Taps OpenPayd to Power Global Fiat Infrastructure

OpenPayd, a leading provider of financial infrastructure, has been selected by VALR, one of the largest cryptocurrency exchanges in the world, to power its multi-currency fiat operations and global on/off-ramp capabilities. Customers will be able to fund their accounts in euros, pound sterling, and US dollars using OpenPayd’s specialized virtual

Author: Thenewscrypto