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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.

15685 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Digital Asset Treasuries Can’t Hold Premiums, Warns Bitwise CIO

Digital Asset Treasuries Can’t Hold Premiums, Warns Bitwise CIO

The post Digital Asset Treasuries Can’t Hold Premiums, Warns Bitwise CIO  appeared first on Coinpedia Fintech News Digital asset treasuries are back in the spotlight as market analysts warn that their long-standing premium valuations may not survive the changing landscape. With spot ETFs offering cleaner exposure and new regulatory pressures emerging, Bitwise Chief Investment Officer Matt Hougan says the traditional DAT model is confronting a “high hurdle” that most firms will struggle …

Author: CoinPedia

2025/11/24

Arthur Hayes Predicts Bitcoin Dip Into High $80Ks but Says $80K “Will Hold”

Arthur Hayes Predicts Bitcoin Dip Into High $80Ks but Says $80K “Will Hold”

Bitcoin may continue to trade choppily below $90,000 in the days ahead, according to BitMEX co-founder Arthur Hayes, who said he expects at least one

Author: CryptoNews

2025/11/24

Optimising B2B Payments with Crypto: How ChangeNOW For Business Leads the Way

Optimising B2B Payments with Crypto: How ChangeNOW For Business Leads the Way

Here’s how organisations can optimise B2B payments using crypto infrastructure, and why ChangeNOW For Business stands out.

Author: The Cryptonomist

2025/11/24

Only 10% Tokens Left: Mutuum Finance (MUTM) Could Be the Next 25x Crypto of 2026, Here’s Why

Only 10% Tokens Left: Mutuum Finance (MUTM) Could Be the Next 25x Crypto of 2026, Here’s Why

Mutuum Finance (MUTM) is entering its hyper competitive phase. Buying the limited Phase 6 tokens remaining are moving quickly as the talk is mounting on whether this $0.035 altcoin can be one of the next big cryptocurrencies of 2026. Analysts already test early models, and they believe that MUTM possesses the criteria that are facilitating past leading crypto projects to skyrocket within their initial year.  How Mutuum Finance operates Mutuum is a decentralized smart contract lending protocol that is being developed. Two fundamental elements are utilized in the protocol to maintain the lending engine. On P2C, users provide assets to a pool and are given mtTokens. These mtTokens increase with time as borrowers make repayments. As an illustration, an individual that puts in $1000 of ETH earns mtTokens whose value will continue to grow with the accumulation of interest. This provides holders with unrestricted APY. The P2P model is collateralized and explicit LTV regulations. Borrowers secure collateral, select the terms on loans and accept the variable interest rates as per their usage. Passing on values of the collateral to such a low level initiates liquidation. In exchange, liquidators pay off portions of the debt made by the borrower and obtain discounted collateral. This keeps loan positions secure and protocol conducive. The Presale Demand Blows Up  In early 2025 Mutuum Finance started with a presale price of $0.01. Afterward, the token price has increased to $0.035 in Phase 6. It is also an increase of 250% of stage one. The project has succeeded to raise approximately $18.85 million already and expand its community to over 18, 100 holders. Approximately 805 million tokens have been bought up till now. Among the four billion or the total amount of supply, it is also distributed by 45.5% to the presale. This is a significant portion of tokens prior to launch and this makes a good entry position to early supporters. Phase 6 at that presale allocation is nearly sold, with only the remaining of around 10%. According to the roadmap MUTM will be introduced at a price of 0.06. It implies that initial entrants that had gotten in at $0.01 or $0.035 have a visible mountain of upside potential. The Phase 1 buyers are geared towards appreciation of approximately 500% at the time of listing whereas Phase 6 buyers continue to enter at a great discount compared to its launch price. Demand is growing rapidly with the day-to-day 24-hours leaderboard wherein the contributor with the highest number is rewarded with $500 in MUTM. This maintains the participation levels and quickens the speed of each phase being completed. The presale is also made easier by card payments that have no limits among international customers. Phase 6 is nearly over, and investors seeking the best cryptocurrency to invest are scurrying due to the impending price increment. V1 Launch and Security Strengthen Analyst Expectations It was confirmed on the official X account of Mutuum Finance that V1 will be deployed to the Sepolia Testnet in the fourth quarter of 2025. It will be equipped with the lending pool, mtTokens, a debt system and the automated liquidator bot, which will enable the protocol to have two of the most popular assets in DeFi upon its release. Another primary factor that makes analysts project a good performance is security. Mutuum Finance is audited by certiK with a 90 out of 100 Token Scan rating. There is also a $50k bug bounty that will be launched to find code vulnerabilities prior to mainnet release.  MUTM has the potential to go up to the range of $0.20 to$ 0.25 some analysts reckon. In the bullish cases, forecasts indicate that the targets could be even higher indicating that MUTM may turn out to be one of the next big crypto opportunities of 2026. Predictions made through models have suggested that a 25x outcome is not definite but can be achieved should there be a sharp rise in adoption within the first year of full adoption. Long-Term Growth On-demand stablecoin is also being developed by Mutuum Finance. This stable coin will be sold and burned as users will borrow or repay loans.  Another long term catalyst is the expansion of layer-2. The use of L2 networks lowers costs, makes the liquidations run smoothly and faster. Lending protocols need to be efficient. The improvement in performance means more borrowing, which means more interest and this increases the pressure of buying MUTM. The Phase 6 supply is rapidly decreasing at only approximately 10% left. The events of every stage are more sold out than the previous stage with increased demand. Postponement of entry implies a cost in the form of high future prices potential. Mutuum Finance could become one of the most anticipated new crypto coins in the year. Having developing utility, robust audit performance, confirmed V1 launch and traction towards massive presale activity the project has the base to enable significant expansion in 2026. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance

Author: Coinstats

2025/11/24

Which One Reflects The Future Of Web3?

Which One Reflects The Future Of Web3?

The post Which One Reflects The Future Of Web3? appeared on BitcoinEthereumNews.com. Crypto Presales Explore Avalanche, Chainlink, and IPO Genie to see which represents the future of Web3. A deep comparison of the best Web3 tokens and emerging AI-powered networks. Web3 in 2025 looks less like one unified system and more like a shifting constellation of technologies competing for long-term relevance. Each protocol pulls developers, investors, and users into its own orbit. And through all the noise, one question keeps coming back: which direction actually represents the future of Web3? Some analysts argue the answer lies in scalable app-chain networks like Avalanche. Others believe the strongest signal comes from Chainlink’s data and interoperability standards, which support much of today’s decentralized finance. And a growing group points to IPO Genie ($IPO, a new category entirely, AI-native platforms, now emerging among the best Web3 tokens shaping 2025. This listicle breaks down the three paths defining today’s landscape and examines how Avalanche, Chainlink, and the new AI token IPO Genie compare in the race to Web3’s next chapter. IPO Genie: The New AI Token Redefining How Intelligence Moves Through Web3 If early signals matter, IPO Genie sits at the center of the most important Web3 shift. It is one of the top AI tokens mentioned in market discussions because its AI engine operates as a real-time intelligence network, not just an automation tool. Its “Sentient Signal Agents” analyze financial data, startup performance, and market sentiment in real time. These agents scan funding rounds, traction, milestones, early user behavior, and ecosystem signals to highlight potential breakout companies. Most AI-themed projects focus on bots or automation, but IPO Genie targets predictive insight, something analysts believe could reshape investment discovery by 2026. A major difference lies in its compliance stack. Every deal is supported by CertiK-audited contracts, Fireblocks custody, and Chainlink-verified data, echoing standards used across regulated digital…

Author: BitcoinEthereumNews

2025/11/24

Avalanche Vs Chainlink Vs New AI Token: Which One Reflects The Future Of Web3?

Avalanche Vs Chainlink Vs New AI Token: Which One Reflects The Future Of Web3?

Web3 in 2025 looks less like one unified system and more like a shifting constellation of technologies competing for long-term […] The post Avalanche Vs Chainlink Vs New AI Token: Which One Reflects The Future Of Web3? appeared first on Coindoo.

Author: Coindoo

2025/11/24

Walmart Inc. (WMT) Stock: Retail Giant Enters South Africa With First Store Launch

Walmart Inc. (WMT) Stock: Retail Giant Enters South Africa With First Store Launch

TLDR Walmart opens its first store in South Africa, marking its African debut. Shoppers queued for hours seeking unique products and Black Friday deals. The store offers a 60-minute delivery service competing with Shoprite’s Sixty60. Walmart created 80 jobs and partnered with 15 local enterprises. WMT continues strong multi-year stock performance versus the S&P 500. [...] The post Walmart Inc. (WMT) Stock: Retail Giant Enters South Africa With First Store Launch appeared first on CoinCentral.

Author: Coincentral

2025/11/24

Crypto treasury firms confront structural shifts as ETF appeal rises

Crypto treasury firms confront structural shifts as ETF appeal rises

The post Crypto treasury firms confront structural shifts as ETF appeal rises appeared on BitcoinEthereumNews.com. Investors long paid premiums for Digital Asset Treasury firms, seeing them as practical substitutes for holding Bitcoin when direct access was limited. That approach worked when regulated channels were scarce and corporate balance sheets offered the closest approximation to holding the asset itself. But according to Matt Hougan, chief investment officer at Bitwise Asset Management, the conditions that once supported those valuations have fundamentally changed. In a valuation framework released on Nov. 23, Hougan argued that the $130 billion sector now faces a structural shift. While the forces pushing DATs below the value of their crypto holdings, illiquidity, operating costs, and execution risk, are constant across the model, the factors that can lift valuations above parity are limited and uncertain. The natural state of a passive treasury, he wrote, is a discount. Shift toward discount valuations Hougan’s analysis challenges the assumptions that fueled the rise of companies such as Strategy (formerly MicroStrategy) and Metaplanet Inc., which built investment cases around holding large quantities of Bitcoin. His model treats spot-value parity as the starting point and subtracts three predictable valuation drags. The first is illiquidity. Bitcoin held inside a corporation cannot be redeemed directly by shareholders, and the friction between ownership and access typically results in a discount. Hougan described this gap as the price investors assign to delayed or constrained delivery of the underlying asset. The second is operating expense. Public companies incur recurring costs, including compensation, audits, custody arrangements, and legal services. Those expenses reduce net asset value on a continuous basis, meaning a dollar of Bitcoin held by a corporation is inherently worth less than a dollar held directly. The third is execution risk. Investors must account for the possibility that management will misallocate capital, misjudge markets, or face regulatory setbacks. Because the probability is non-zero, markets generally…

Author: BitcoinEthereumNews

2025/11/24

Crypto treasuries facing $130 billion value reckoning as ETFs reshape market

Crypto treasuries facing $130 billion value reckoning as ETFs reshape market

Investors long paid premiums for Digital Asset Treasury firms, seeing them as practical substitutes for holding Bitcoin when direct access was limited. That approach worked when regulated channels were scarce and corporate balance sheets offered the closest approximation to holding the asset itself. But according to Matt Hougan, chief investment officer at Bitwise Asset Management, […] The post Crypto treasuries facing $130 billion value reckoning as ETFs reshape market appeared first on CryptoSlate.

Author: CryptoSlate

2025/11/24

South Korea's cryptocurrency tax may be delayed again, with its implementation in 2027 uncertain.

South Korea's cryptocurrency tax may be delayed again, with its implementation in 2027 uncertain.

PANews reported on November 24th that, according to the Korea Business Economics Report, the cryptocurrency tax system, originally scheduled for implementation in 2027, may face its fourth postponement due to gaps in its core framework. The Korea Capital Markets Institute points out that the current definitions of returns from airdrops, lending, and staking are unclear, and there is a lack of taxation basis for overseas transactions and P2P transactions. Another postponement could severely undermine trust in the system. Industry insiders are calling for the prompt clarification of taxable objects and methods, as well as the establishment of an information tracking system. As of the first half of 2025, the number of users who have completed identity verification on South Korean domestic virtual asset exchanges has reached 10.77 million. This figure is similar to the 14.23 million investors in listed stocks at the end of last year.

Author: PANews

2025/11/24

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