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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.

15632 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Q3 2025 Crypto Lending Surges Amid Record Liquidations

Q3 2025 Crypto Lending Surges Amid Record Liquidations

The post Q3 2025 Crypto Lending Surges Amid Record Liquidations appeared on BitcoinEthereumNews.com. Key Points: Crypto lending surged by $20.46 billion in Q3 2025. DeFi lending increased by $14.52 billion. Largest single-day liquidation event reached $17 billion. Crypto lending surged by 38.5% in Q3 2025, reaching a record $73.59 billion, reported by Galaxy, while a market crash on October 10 forced $17 billion in liquidations. This record surge in crypto leverage and resulting liquidations highlight vulnerabilities in the market, significantly impacting investors and reflecting broader trends within the cryptocurrency ecosystem. Q3 Lending Peaks at $73.59 Billion Amid Market Turmoil Crypto lending surged by $20.46 billion in Q3 2025, reaching $73.59 billion. This increase was partly driven by heightened DeFi lending, which grew by $14.52 billion to $40.99 billion. Futures open interest, a measure of market leverage, saw significant growth, peaking at $220.37 billion by early October. However, a drastic market crash on October 10 led to the liquidation of over $17 billion in futures positions, marking the largest single-day liquidation event. Binance, Bybit, and Hyperliquid were prominent players in these liquidations. Market reactions were swift, with many exchanges dealing with unprecedented volumes. Despite the magnitude, there have been no official responses from industry leaders or regulatory bodies. Richard Teng, CEO, Binance, – “The record liquidations on October 10 reflect the volatile nature of crypto derivatives, but they also signal a critical juncture for risk management in trading.” Richard Teng, CEO, Binance, – “The record liquidations on October 10 reflect the volatile nature of crypto derivatives, but they also signal a critical juncture for risk management in trading.” Bitcoin Dips 18% as October Liquidations Set New Record Did you know? The $17 billion liquidation on October 10, 2025, surpassed the previous record of $10 billion set in May 2021. Bitcoin (BTC) currently trades at $92,599.74, with a market cap of $1.85 trillion and dominates…

Author: BitcoinEthereumNews

2025/11/20

Galaxy Releases Q3 Crypto Leverage Report: On-chain Lending Reaches Record Highs, Futures Liquidations Hit Record Highs

Galaxy Releases Q3 Crypto Leverage Report: On-chain Lending Reaches Record Highs, Futures Liquidations Hit Record Highs

PANews reported on November 20th that, according to Galaxy's Q3 Crypto Leverage Report, crypto lending surged by $20.46 billion in the third quarter of 2025, a 38.5% increase, reaching a record high of $73.59 billion. DeFi lending grew by $14.52 billion to $40.99 billion. Total DAT debt exceeded $12 billion, an increase of $422 million in the quarter. Futures open interest reached $187.79 billion at the end of September, peaking at $220.37 billion on October 6th. On October 10th, a market crash led to the forced liquidation of over $17 billion in futures positions, marking the largest single-day liquidation in history. Hyperliquid, Bybit, and Binance liquidated $10.08 billion, $4.58 billion, and $2.31 billion respectively.

Author: PANews

2025/11/20

$228 Million BTC Deposit To Kraken Sparks Market Speculation

$228 Million BTC Deposit To Kraken Sparks Market Speculation

The post $228 Million BTC Deposit To Kraken Sparks Market Speculation appeared on BitcoinEthereumNews.com. In a stunning development that’s shaking the cryptocurrency world, early Bitcoin investor Owen Gunden has made a monumental move that’s capturing global attention. Just hours ago, this pioneering Bitcoin investor transferred his entire remaining holdings of 2,499 BTC to the Kraken exchange, a transaction valued at an astonishing $228 million. This massive transfer from a long-term Bitcoin investor immediately sparked intense speculation across financial markets. Why Would a Bitcoin Investor Make Such a Massive Move? When a seasoned Bitcoin investor moves this amount of cryptocurrency to an exchange, the crypto community takes immediate notice. Large-scale deposits typically signal one thing: potential selling activity. However, experienced Bitcoin investors sometimes have multiple strategies beyond simple liquidation. This particular Bitcoin investor might be considering various options including: Portfolio rebalancing strategies Taking profits after substantial gains Preparing for other investment opportunities Estate planning or wealth management moves The timing of this Bitcoin investor’s decision comes during a period of relative market stability, making the move even more noteworthy for market analysts. What Does This Mean for Bitcoin Markets? Market reactions to large transfers from early Bitcoin investors often create immediate ripple effects. When a prominent Bitcoin investor moves hundreds of millions in cryptocurrency, it typically triggers several market responses. Trading volumes often spike as other investors react to the news. Price volatility can increase significantly as market participants interpret the Bitcoin investor’s intentions. However, it’s crucial to remember that not every exchange deposit leads to immediate selling. Some Bitcoin investors use exchanges for other purposes like: Securing assets in exchange wallets Preparing for staking or lending activities Facilitating institutional transactions Diversifying across multiple platforms Understanding Early Bitcoin Investor Psychology Early Bitcoin investors like Owen Gunden possess unique market perspectives having witnessed Bitcoin’s journey from obscurity to mainstream adoption. Their moves often carry significant weight…

Author: BitcoinEthereumNews

2025/11/20

Shocking Bitcoin Investor Move: $228 Million BTC Deposit to Kraken Sparks Market Speculation

Shocking Bitcoin Investor Move: $228 Million BTC Deposit to Kraken Sparks Market Speculation

BitcoinWorld Shocking Bitcoin Investor Move: $228 Million BTC Deposit to Kraken Sparks Market Speculation In a stunning development that’s shaking the cryptocurrency world, early Bitcoin investor Owen Gunden has made a monumental move that’s capturing global attention. Just hours ago, this pioneering Bitcoin investor transferred his entire remaining holdings of 2,499 BTC to the Kraken exchange, a transaction valued at an astonishing $228 million. This massive transfer from a […] This post Shocking Bitcoin Investor Move: $228 Million BTC Deposit to Kraken Sparks Market Speculation first appeared on BitcoinWorld.

Author: bitcoinworld

2025/11/20

PBOC sets USD/CNY reference rate at 7.0905 vs. 7.0872 previous

PBOC sets USD/CNY reference rate at 7.0905 vs. 7.0872 previous

The post PBOC sets USD/CNY reference rate at 7.0905 vs. 7.0872 previous appeared on BitcoinEthereumNews.com. The People’s Bank of China (PBOC) sets the USD/CNY central rate for the trading session ahead on Thursday at 7.0905 compared to the previous day’s fix of 7.0872 and 7.1201 Reuters estimate. 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-70905-vs-70872-previous-202511200115

Author: BitcoinEthereumNews

2025/11/20

Block Announces $5B Buyback and 30% Annual Growth Goal in Bold Three-Year Strategy

Block Announces $5B Buyback and 30% Annual Growth Goal in Bold Three-Year Strategy

The post Block Announces $5B Buyback and 30% Annual Growth Goal in Bold Three-Year Strategy appeared on BitcoinEthereumNews.com. Block, Inc. shares soared almost 9% on Wednesday after revealing plans to achieve $15.8 billion in gross profit by 2028 and announcing a $5 billion share repurchase, underscoring confidence in continued profitability. The three-year outlook, launched at the 2025 Investor Day, marks a strategic shift for the Jack Dorsey-led company. Block is moving beyond its core point-of-sale operation into consumer services, artificial intelligence tools, and Bitcoin infrastructure. Sponsored Comprehensive Financial Targets Reflect Transformation Block mapped out a roadmap targeting mid-teens percentage gross profit growth annually through 2028. The company expects adjusted operating income to rise about 30% per year, reaching $4.6 billion by 2028. Adjusted earnings per share are projected to grow by more than 30% each year, reaching $5.50 in 2028. The event featured a rare appearance by CEO Jack Dorsey. The stock had dropped 30% earlier in 2025 due to competition in payments. However, the trading halt and subsequent announcement quickly reversed that decline. For fiscal year 2026, Block projects gross profit rising 17% to nearly $12 billion. Adjusted operating income and earnings per share are each expected to climb by more than 30%, reaching $2.7 billion and $3.20, respectively. The new non-GAAP cash flow metric, which accounts for capital needs in lending, is forecast to get 25% of gross profit—more than $4 billion—by 2028. Block aims to achieve the “Rule of 40” benchmark in 2026 and sustain it through 2028. This performance measure, combining revenue growth and profit margin over 40%, is a key target for software and fintech firms. Block’s official release emphasized efficiency, scale, and product innovation in its financial networks. The expanded buyback program adds $5 billion to the $1.1 billion remaining from a previous authorization. In total, Block now has about $6.1 billion available for share repurchases, signaling confidence in cash generation. Sponsored…

Author: BitcoinEthereumNews

2025/11/20

Massive ETH Deposit: Sharplink Gaming Moves $16.5 Million to Galaxy Digital in Strategic Crypto Move

Massive ETH Deposit: Sharplink Gaming Moves $16.5 Million to Galaxy Digital in Strategic Crypto Move

BitcoinWorld Massive ETH Deposit: Sharplink Gaming Moves $16.5 Million to Galaxy Digital in Strategic Crypto Move In a significant move that’s catching the attention of cryptocurrency enthusiasts, a Sharplink-linked address has executed a massive ETH deposit worth millions to Galaxy Digital. This substantial transaction highlights the growing institutional interest in Ethereum and raises important questions about market dynamics. What Does This Major ETH Deposit Reveal? The recent ETH deposit from Sharplink […] This post Massive ETH Deposit: Sharplink Gaming Moves $16.5 Million to Galaxy Digital in Strategic Crypto Move first appeared on BitcoinWorld.

Author: bitcoinworld

2025/11/20

Crypto Borrowing Breaks All-Time High, but With Stronger Collateral This Time

Crypto Borrowing Breaks All-Time High, but With Stronger Collateral This Time

The post Crypto Borrowing Breaks All-Time High, but With Stronger Collateral This Time appeared on BitcoinEthereumNews.com. Crypto-collateralized borrowing surged to a record $73.6 billion in the third quarter, marking the sector’s most levered quarter on record, yet the composition of that leverage looks significantly healthier than during the 2021–22 cycle. According to Galaxy Research, the sharp rise was driven overwhelmingly by onchain lending, which now represents 66.9% of all crypto-collateralized debt, up from 48.6% at the previous peak four years ago. DeFi lending alone jumped 55% to an all-time high of $41 billion, supported by points-driven user incentives and improved collateral types such as Pendle Principal Tokens. Centralized lenders also saw a rebound as borrows grew 37% to $24.4 billion, though the market remains a third smaller than its 2022 peak. Centralized lending graph (Galaxy Research) Survivors of the last cycle have largely abandoned uncollateralized lending, turning toward full-collateral models as they seek institutional capital or public listings. Tether remains the dominant CeFi lender, holding nearly 60% of tracked loans. The quarter also saw a decisive shift within DeFi itself, with lending apps now capturing more than 80% of the onchain market, and CDP-backed stablecoins shrinking to 16%. New chain deployments, including Aave and Fluid on Plasma, helped fuel activity, with Plasma attracting more than $3 billion in borrows within five weeks of launch. It’s worth noting that shortly after the end of Q3, a leverage-induced wipeout occurred resulting in more than $19 billion worth of liquidations, the largest single-day cascade in crypto futures history. Still, Galaxy’s report claims the liquidation event did not reflect systemic credit weakness: most positions were mechanically de-risked as exchanges’ auto-deleveraging systems kicked in. Meanwhile, corporate digital-asset treasury (DAT) strategies continue to rely on leverage, with more than $12 billion in outstanding debt tied to crypto-acquiring firms. Total industry debt, including DAT issuance, hit a record $86.3 billion. The data suggests…

Author: BitcoinEthereumNews

2025/11/20

Why Mutuum Finance (MUTM) Is Beating Cardano (ADA) in Investor Hype This November

Why Mutuum Finance (MUTM) Is Beating Cardano (ADA) in Investor Hype This November

As November heats up, the crypto market continues to seek the next crypto to explode, and here, amazingly, the most talked-about cryptocurrency isn’t Cardano (ADA) but rather Mutuum Finance, a new crypto coin that keeps running at the forefront in gaining popularity. Selling at the current price of $0.035, Mutuum Finance has successfully entered Phase […]

Author: Cryptopolitan

2025/11/20

Database Error Takes Down 20% of Internet: Cloudflare Outage Disrupts Global Crypto Trading

Database Error Takes Down 20% of Internet: Cloudflare Outage Disrupts Global Crypto Trading

A simple database permission change triggered a massive internet outage on November 18, 2025, knocking offline major cryptocurrency exchanges, social media platforms, and thousands of websites worldwide.

Author: Brave Newcoin

2025/11/20

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