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Commodity Zero-Fee Gala

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.

15631 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Bitcoin Hyper Presale Hits $28M: Next Crypto To Explode?

Bitcoin Hyper Presale Hits $28M: Next Crypto To Explode?

Quick Facts: ➡️ Bitcoin’s thesis is shifting from pure price action to real scalability and DeFi utility, with Layer-2 infrastructure taking center stage. ➡️ Bitcoin Hyper will use ZK rollups, an SVM execution layer, and a canonical $BTC bridge to deliver fast, low-fee, Bitcoin-secured DeFi and dApps. ➡️ As expected, the $HYPER presale just crossed […]

Author: Bitcoinist

2025/11/19

Best Stocks to Buy Today: ChatGPT Highlights Apple and Microsoft

Best Stocks to Buy Today: ChatGPT Highlights Apple and Microsoft

TLDR Apple receives Overweight rating with $285 target as analysts highlight 2.2 billion devices and AI-driven upgrade cycle Microsoft rated strong Buy as Azure accelerates and Copilot generates real AI revenue across enterprise customers Johnson & Johnson offers stability with 60-year dividend streak and strong pharmaceutical pipeline in oncology Zillow gets Buy ratings above $100 [...] The post Best Stocks to Buy Today: ChatGPT Highlights Apple and Microsoft appeared first on Blockonomi.

Author: Blockonomi

2025/11/19

How does 1inch's Aqua, a shared liquidity protocol, revitalize dormant DeFi capital?

How does 1inch's Aqua, a shared liquidity protocol, revitalize dormant DeFi capital?

For a long time, fragmented liquidity and idle capital have been two major challenges that the DeFi sector has been trying to overcome. There are tens of thousands of liquidity pools in the market, but most of the billions of dollars are just dormant in the protocols and are difficult to pool together. On November 17, 1inch, a leading DEX aggregator, announced the launch of its liquidity protocol Aqua, aiming to play the role of "awakener" and drive the transformation of DeFi towards more refined liquidity management. Aqua has transitioned from an aggregator to an infrastructure provider and is now open to developers. The launch of Aqua marks a turning point in 1inch's recent strategic transformation. Initially, 1inch was known for its DEX aggregation capabilities, focusing on integrating optimal trading links and prices across DEXs for users. However, in recent years, 1inch's strategic focus has been shifting from pure retail aggregation services to becoming a B2B infrastructure provider. This initial release of Aqua wasn't directly aimed at general retail users; instead, it primarily focused on providing developer tools, including the SDK, libraries, and technical documentation. This developer-first strategy indicates that 1inch positions Aqua as a foundational protocol. Aqua employs a novel shared liquidity model that allows assets to be accessed and invoked concurrently and dynamically across multiple DeFi protocols, rather than being locked in separate liquidity pools as in traditional models. When announcing the agreement, 1inch co-founder Anton Bukov emphasized Aqua's core value to market makers: "Aqua addresses the liquidity fragmentation problem for market makers by stimulating the multiplier effect of effective capital. From now on, the only limit to capital efficiency will be the strategy itself." Another co-founder, Sergej Kunz, positions Aqua as "a scalable, capital-efficient underlying architecture for DeFi." Traditional DeFi capital efficiency is usually defined as the ability to pool capital within a single liquidity pool, but Aqua is attempting to elevate efficiency to a higher dimension: the ability to perform concurrent calls across protocols and policies. It features a self-custodied AMM, allowing liquidity to no longer be locked up. Before Aqua, mainstream AMM (Automated Market Maker) models widely adopted a "pooled custody" design, which required LPs (Liquidity Providers) to deposit and lock their assets in the protocol. However, this design caused two structural inefficiencies: Idle capital: Locked user funds can only execute a single strategy. According to data disclosed in the Aqua white paper, up to 85% of LP capital is idle, passively waiting for transactions to occur or price fluctuations to occur. Utility depletion: Once assets are locked, they cannot be used simultaneously for other DeFi activities, resulting in high opportunity costs. Limited partners (LPs) must make trade-offs between different DeFi activities, leading to the depletion of capital utility. Aqua introduced a new metric: TVU (Total Value Unlocked), which means that user funds will no longer be physically locked within the DeFi protocol, but will instead be dynamically managed through a licensing mechanism. Unlike traditional pooled custody systems, user funds remain in their own wallets at all times. They are only transferred or used according to pre-defined permissions when actual transactions or strategy execution occur. Aqua aims to leverage a self-custodial model to generate a multiplier effect on capital. User funds, while remaining in self-custodial, can be authorized to participate in multiple DeFi activities. For example, the same asset can simultaneously provide liquidity for an AMM, participate in DAO governance voting within a protocol, and act as collateral in lending protocols. This design significantly improves capital efficiency and application scenarios, creating a multiplier effect when used in combination. Aqua's core technological innovation is its registry authorization system, a design that decouples asset ownership and usage rights. Aqua itself does not directly hold assets; instead, it allocates virtual balances to LPs across different DeFi strategies within an internal registry. These virtual balances determine the share of underlying assets each strategy can access. This design allows different DeFi applications (such as AMMs, lending, or stablecoin liquidity pools) to simultaneously access the same underlying capital, achieving shared liquidity without requiring LPs to split or transfer funds across pools. For limited partners (LPs), this mechanism also provides granular permissions and risk control. They can set clear authorization and capital caps for each strategy, thereby limiting the use of funds. Once the strategy parameters are set, they are immutable, which helps improve code security and integration reliability, keeping risks within the specific, authorized policy scope. Unlike leading DEX protocol Uniswap V3, Aqua primarily focuses on addressing cross-strategy liquidity fragmentation. Uniswap V3's centralized liquidity model allows LPs to concentrate liquidity deployments within specific price ranges to improve capital efficiency in the pool, resulting in lower slippage for trades near those price intervals. However, V3 still requires funds to be locked in a position represented by an NFT (non-fungible token), which means liquidity remains fragmented and locked. If V3 solved the problem of "how to use capital more efficiently in a pool", then Aqua solved the problem of "how to provide liquidity to multiple pools with the same capital at the same time". The two are fundamentally different technical approaches. Innovation also has multiple limitations, and tokens have not yet benefited. Despite Aqua’s numerous technological innovations, its architectural design has also introduced new risks and variables. First, there are issues with transaction complexity and latency. Unlike the complexity of traditional AMM single-strategy transactions, Aqua's shared liquidity model involves interaction with multiple strategies, leading to increased transaction complexity. This can result in transaction latency, especially in large or high-frequency transactions, impacting the user experience. Secondly, there is path-dependent loss. When multiple strategies call the same underlying asset at the same time, but the actual balance of the wallet is lower than the sum of the virtual balances promised by all strategies, the transaction will be rolled back. However, Aqua will not automatically pause the strategy quotes, which may lock in unfavorable exposures during price fluctuations, similar to amplified gratuitous losses. LPs need to monitor in real time and manually cancel the strategy. Thirdly, there are security vector risks: 1) Since the registry relies on ERC-20 authorization and is immutable, the policy parameters cannot be modified once deployed. Initial configuration errors will be irreversible, meaning that 100% auditing must be performed correctly before going live, otherwise it will run with defects indefinitely; 2) Although self-hosting reduces the single point of failure risk of smart contract vulnerabilities, malicious or buggy policies may still steal funds within the scope of user authorization. Finally, there's the lack of token value capture. The white paper emphasizes that Aqua will support 1inch products and deepen ecosystem liquidity. As an inflection point in 1inch's infrastructure transformation, Aqua may indirectly increase 1inch's usage by increasing aggregator calls, thereby supporting the demand for the 1INCH token. However, the white paper doesn't mention 1INCH's direct role, such as fee burning or direct revenue sharing, which may limit the token's appreciation potential. Aqua points out a direction for DeFi liquidity management: shifting from "how much is locked" to "how much is used," but the unknown direction also means difficulties in implementation. After the front-end goes live in Q1 2026, the market will verify the real data to see if it is a feast of capital efficiency or just another narrative dragged down by complexity. Before the answer is revealed, rational approach and bold experimentation are currently the safest approach.

Author: PANews

2025/11/19

What’s The Best Crypto To Invest Next? Buy This Before the Q4 V1 Launch Creates a 28× Surge

What’s The Best Crypto To Invest Next? Buy This Before the Q4 V1 Launch Creates a 28× Surge

The post What’s The Best Crypto To Invest Next? Buy This Before the Q4 V1 Launch Creates a 28× Surge appeared first on Coinpedia Fintech News Mutuum Finance (MUTM) is emerging as a strong contender for the crypto to buy now, even as markets face broader uncertainty and discussions of a crypto crash dominate headlines. The combination of dual lending markets and a governance-controlled stablecoin will generate recurring revenue channels. This revenue will support price growth as adoption scales, creating a …

Author: CoinPedia

2025/11/19

Bitcoin Price Prediction Looks Uncertain: Should You Shift to XRP Staking Platforms Like Tundra?

Bitcoin Price Prediction Looks Uncertain: Should You Shift to XRP Staking Platforms Like Tundra?

Bitcoin’s decline below the $90,000 mark has renewed concerns about whether the market is entering another extended downturn. The world’s largest cryptocurrency traded at $89,390 on Tuesday afternoon, marking its lowest level since April as sell pressure accelerated across major exchanges. The latest drop follows a week of sharp losses. Bitcoin is down more than […]

Author: Cryptopolitan

2025/11/19

This new crypto coin could be the smartest move since Solana at $2

This new crypto coin could be the smartest move since Solana at $2

The post This new crypto coin could be the smartest move since Solana at $2 appeared on BitcoinEthereumNews.com. Mutuum Finance (MUTM) is shaping up to be one of the most exciting crypto opportunities of the year. Think back to when Solana was $2. Only a few investors saw the potential, and those who acted early saw their holdings multiply dramatically. Mutuum Finance (MUTM) is now in a similar early stage, building to offer a unique combination of lending, stablecoin innovation, and revenue-driven token rewards. Smart investors will recognize this as a hidden gem that could mirror the trajectory of Solana’s early gains. Early-stage momentum and presale opportunity Mutuum Finance (MUTM) is currently in Phase 6 of its presale. The tokens are priced at $0.035 with 170 million allocated. Phase 6 is over 90% sold, showing strong investor demand. The total token supply is 4 billion MUTM, and the project has raised approximately $18.8 million so far. The community is growing quickly, with over 18,100 holders across all phases. The next phase will increase the price to $0.040, a 15% jump from the current level. Phase 6 will be the last discounted entry before the price rises. Investors who act now will secure the best entry point. Every presale phase so far has seen rapid uptake, demonstrating the market interest in Mutuum Finance (MUTM).  To understand the potential, imagine an investor who bought MUTM at $0.01 in Phase 1 using $1,000 worth of ETH. By Phase 6, their holdings would be valued $3,500. That is a 250% value increase before the token even fully launches. When the token eventually reaches $0.06, the position grows to $6,000 in value, a sixfold increase. This mirrors Solana’s early exponential growth, illustrating why Mutuum Finance (MUTM) is considered by many the best crypto to invest in right now. Real yield through dual lending models Mutuum Finance (MUTM) will operate a dual-lending ecosystem that…

Author: BitcoinEthereumNews

2025/11/19

Shocking FTX Creditor Allegations Reveal Blocked Billion-Dollar Rescue Bids

Shocking FTX Creditor Allegations Reveal Blocked Billion-Dollar Rescue Bids

BitcoinWorld Shocking FTX Creditor Allegations Reveal Blocked Billion-Dollar Rescue Bids A stunning revelation from a former FTX creditor committee member has rocked the cryptocurrency world, alleging that potential billion-dollar rescue bids for the bankrupt exchange were deliberately blocked. These shocking claims suggest creditors may have lost out on massive recovery opportunities due to legal interference. What Did the FTX Creditor Actually Reveal? Arush, a former […] This post Shocking FTX Creditor Allegations Reveal Blocked Billion-Dollar Rescue Bids first appeared on BitcoinWorld.

Author: bitcoinworld

2025/11/19

Coinbase fined, Gemini digs privacy, Tether wants to own lending

Coinbase fined, Gemini digs privacy, Tether wants to own lending

The post Coinbase fined, Gemini digs privacy, Tether wants to own lending appeared on BitcoinEthereumNews.com. Homepage > News > Business > Coinbase fined, Gemini digs privacy, Tether wants to own lending Coinbase (NASDAQ: COIN) still can’t do compliance right, Gemini (NASDAQ: GEMI) invested in a privacy-focused digital asset treasury, and Tether wants to own the lending market in both crypto and beyond. Earlier this month, the Central Bank of Ireland (CBI) imposed a nearly €21.5 million penalty on Coinbase Europe Ltd for “breaching its anti-money laundering (AML) and combatting terrorist financing (CFT) obligations with respect to transaction monitoring … between 23 April 2021 and 19 March 2025.” The CBI notes that the financial penalty would have been 30% higher had Coinbase not been willing to admit its faults and accept its lumps. The CBI says Coinbase failed to properly monitor some 30.4 million transactions over a 12-month period. This represented 31% of all transactions Coinbase Europe conducted in this period, with a combined transaction value of over €176 billion. Digital asset exchanges are supposed to file suspicious transaction reports (STRs) with Irish authorities “as soon as possible.” But the CBI says it took Coinbase “almost three years” to complete its monitoring of these 30.4 million transactions before filing 2,708 STRs with Ireland’s Financial Intelligence Unit (FIU). Analysis of these STRs revealed that they “contained suspicions associated with serious criminal activities including: money laundering; fraud/scams; drug trafficking; cyber-attacks (malware/ransomware); and child sexual exploitation.” The CBI says Coinbase failed to adopt “internal policies, controls and procedures” to detect and report suspicious transactions. As the CBI points out, real-time transaction monitoring and prompt STR filing “is a cornerstone of the effectiveness and efficiency of the AML/CFT regulatory regime.” Coinbase issued a blog post regarding its “past transaction monitoring errors,” blaming its shortcomings on “three coding errors” that garbled five of its 21 Transaction Monitoring System (TMS) scenarios. One…

Author: BitcoinEthereumNews

2025/11/19

Bitcoin lending boost as Tether backs Ledn expansion worldwide

Bitcoin lending boost as Tether backs Ledn expansion worldwide

Bitcoin lending is gaining fresh momentum as Ledn secures a strategic investment from Tether to expand its global loan services and reinforce client trust. How does the Tether investment strengthen Ledn? Ledn, a firm specializing in Bitcoin-backed loans since 2018, has received a strategic investment from Tether, issuer of USDT and the largest stablecoin company […]

Author: The Cryptonomist

2025/11/19

EXCLUSIVE: “Crossings and Corridors” – Therese Hudak, PPRO in ‘The Fintech Magazine’

EXCLUSIVE: “Crossings and Corridors” – Therese Hudak, PPRO in ‘The Fintech Magazine’

How PPRO’s Therese Hudak sees the next frontier for US to LATAM payments When Therese […] The post EXCLUSIVE: “Crossings and Corridors” – Therese Hudak, PPRO in ‘The Fintech Magazine’ appeared first on FF News | Fintech Finance.

Author: ffnews

2025/11/19

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