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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.

15537 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Ethereum Hit a 24K TPS Record as Bitcoin Lags Behind. The Bitcoin Hyper Presale Aims to Fix This

Ethereum Hit a 24K TPS Record as Bitcoin Lags Behind. The Bitcoin Hyper Presale Aims to Fix This

Takeaways: Ethereum’s ecosystem set a 24K TPS record this week, proving rollups can deliver instant-grade UX while the base layer […] The post Ethereum Hit a 24K TPS Record as Bitcoin Lags Behind. The Bitcoin Hyper Presale Aims to Fix This appeared first on Coindoo.

Author: Coindoo

2025/11/06

This New Cryptocurrency Is Likely to Gain 100x in 2026, V1 Protocol to Launch on Q4 2025

This New Cryptocurrency Is Likely to Gain 100x in 2026, V1 Protocol to Launch on Q4 2025

As 2026 approaches, the race to find the next top crypto with real substance has intensified. Among the new projects gaining serious attention, Mutuum Finance (MUTM) is rising fast as a contender for massive growth.

Author: Cryptodaily

2025/11/06

Emergency Liquidation Vote Underway for USDX

Emergency Liquidation Vote Underway for USDX

The post Emergency Liquidation Vote Underway for USDX appeared on BitcoinEthereumNews.com. Key Notes The vote has 18 participants so far, all voting yes to enable forced liquidation of the USDX market. MEV Capital set its allocation cap to zero and updated the Interest Rate Model for the USDT/sUSDX market in response. Borrowing rates in the affected vaults reached 800% with zero repayments from major borrowers linked to Stables Labs. Lista DAO launched an emergency governance vote on Nov. 6, 2025, to enable forced liquidation of the USDX market involving vaults managed by MEV Capital and Re7 Labs. The vote, designated as LIP 022, will run until Nov. 9 at 12:12 PM through the Snapshot platform. At the time of writing, only 18 veLISTA token holders have voted, all in favor of the liquidation measure. The proposal targets abnormally high borrowing rates in vaults where collateral assets $sUSDX and $USDX have shown no repayment activity. Lista DAO stated that the forced liquidation aims to minimize potential losses and maintain healthy market conditions across the on-chain peer-to-peer lending ecosystem. 📢 LIP 022 – Emergency Vote: Enabling Forced Liquidation for USDX Market (re7 vault) This proposal is being put forward as an emergency one-hour vote, following a request from the vault curator, to enable forced liquidation mechanisms for the USDX/USD1 market.🔹The @Re7Labs… pic.twitter.com/cs9ynd3XOH — Lista DAO (@lista_dao) November 6, 2025 Timeline of Events 9:23 AM UTC: Lista DAO publicly announced it was monitoring borrowing rates reaching 800% in the MEV Capital USDT Vault and Re7 Labs USD1 Vault. The protocol identified zero repayments from major borrowers linked to Stables Labs using collateral assets $sUSDX and $USDX, according to the DAO. Lista called on both institutional vault managers to take immediate responsibility and transparency to protect users. We are aware and has been closely monitoring the @MEVCapital USDT Vault and @Re7Labs USD1 Vault, where collateral…

Author: BitcoinEthereumNews

2025/11/06

Morpho co-founder: The "liquidity shortage" in some vaults is not a systemic flaw, but a natural reaction mechanism under stress.

Morpho co-founder: The "liquidity shortage" in some vaults is not a systemic flaw, but a natural reaction mechanism under stress.

PANews reported on November 6th that Morpho co-founder Merlin Egalite responded to the "liquidity shortage" experienced by some vaults. He stated that when the market is under stress, lenders often withdraw funds simultaneously, leading to increased capital utilization and decreased liquidity, and in extreme cases, even a temporary lack of available liquidity. However, this is not a systemic flaw, but rather a natural reaction mechanism of the lending pool under stress. To restore balance, the interest rate model automatically adjusts borrowing rates. For example, Morpho targets a capital utilization rate of 90%, meaning that in most cases, approximately 90% of deposited funds are lent out. When utilization spikes to 100%, borrowing rates increase fourfold. Typically, market interest rates can return to a balanced state of approximately 90% within minutes; under greater market stress, recovery may take several hours. Furthermore, the "liquidity shortage" is localized and controllable, occurring only in isolated market imbalances. A few days ago, only 3-4 of Morpho's 320 vaults experienced temporary liquidity shortages, while the rest operated normally. Therefore, the claim that "the entire agreement is experiencing a liquidity crunch" is misleading. Insufficient liquidity does not necessarily mean losses or bad debts; it simply means that a large amount of funds have been lent out in the short term. The market will react in real time, repricing the risk and seeking a new equilibrium.

Author: PANews

2025/11/06

Top Cryptocurrency to Invest Now: Experts Predict 10x for MUTM, Outperforming Cardano (ADA)

Top Cryptocurrency to Invest Now: Experts Predict 10x for MUTM, Outperforming Cardano (ADA)

The crypto market is filled with projects promising growth, but few manage to deliver both innovation and early-stage potential. According to analysts, Mutuum Finance (MUTM) could be one of the few that checks both boxes. As Cardano (ADA) struggles to regain its former momentum, investors are turning their attention to this new DeFi crypto token, [...] The post Top Cryptocurrency to Invest Now: Experts Predict 10x for MUTM, Outperforming Cardano (ADA) appeared first on Blockonomi.

Author: Blockonomi

2025/11/06

Emergency Liquidation Vote Underway as USDX Vaults Face 800% Borrowing Rates

Emergency Liquidation Vote Underway as USDX Vaults Face 800% Borrowing Rates

The governance vote runs until Nov. 9, targeting 800% borrowing rates in USDT and USD1 vaults with no repayment activity. The post Emergency Liquidation Vote Underway as USDX Vaults Face 800% Borrowing Rates appeared first on Coinspeaker.

Author: Coinspeaker

2025/11/06

Physical Uranium’s Intersection with DeFi Represents a Turning Point for the Precious Metal, with Uranium.io Leading the Way

Physical Uranium’s Intersection with DeFi Represents a Turning Point for the Precious Metal, with Uranium.io Leading the Way

The post Physical Uranium’s Intersection with DeFi Represents a Turning Point for the Precious Metal, with Uranium.io Leading the Way appeared first on Coinpedia Fintech News While initially relegated to the realm of a chosen few, the trading of precious metals, especially Uranium, has officially crossed into the mainstream. In this regard, the launch of Uranium.io’s xU3O8 lending on Oku now enables investors who own the world’s first tokenized physical uranium asset to use their holdings as collateral to secure loans …

Author: CoinPedia

2025/11/06

ListaDAO and PancakeSwap monitoring risky lending vaults on MEV Capital and Re7 Labs

ListaDAO and PancakeSwap monitoring risky lending vaults on MEV Capital and Re7 Labs

The post ListaDAO and PancakeSwap monitoring risky lending vaults on MEV Capital and Re7 Labs appeared on BitcoinEthereumNews.com. PancakeSwap and ListaDAO are monitoring several vaults where sUSDX and USDX are used as collateral. The vaults show alarmingly high borrowing rates, as well as no repayments.  PancakeSwap and ListaDAO announced they are observing lending vaults on MEV Capital and Re7 Labs. The vaults hold USDT and USD1 as stable and liquid assets, but use the more volatile sUSDX and USDX as collateral.  We are aware and has been closely monitoring the @MEVCapital USDT Vault and @Re7Labs USD1 Vault, where collateral assets ($sUSDX and $USDX) continue facing abnormally high borrowing rates without repayment activity. As an on-chain P2P lending protocol, Lista Lending has been… — Lista DAO (@lista_dao) November 6, 2025 ListaDAO expressed concerns that the vaults showed extraordinary borrowing rates, but no repayments. The DAO, as a P2P lending protocol, was concerned about potential DeFi instability.  USDX and sUSDX offer high-risk collateral The freely available USDX asset already trades at a discount at $0.68. The staked version, sUSDX traded at a premium of $1.13, though it recently fell to $1.06. The staked version cannot be freely swapped or released, hence the usage of lending vaults to access a more liquid stablecoin.  The value of staked USDX (SUSDX) started dropping in the past day, suggesting heightened risk for the synthetic stablecoin. | Source: Coingecko Unless the protocols address the imbalance of the lending vaults, depositors may face problems with bad loans and loss of value.  The troubles with the USDX synthetic stablecoin started just days after another asset, XUSD, diverged from its $1 price. The token caused losses from lending of up to $93M. The event drew attention to lending protocols and their various risk levels, as well as the practice of taking funds from low-risk protocols to seek higher, riskier returns.   Lista DAO called for MEV Capital and Re7…

Author: BitcoinEthereumNews

2025/11/06

Lista DAO Flags Vault Liquidity, Launches Emergency Vote

Lista DAO Flags Vault Liquidity, Launches Emergency Vote

The post Lista DAO Flags Vault Liquidity, Launches Emergency Vote appeared on BitcoinEthereumNews.com. Key Highlights: Lista DAO pressurizes MEV Capital and Re7 Labs for lack of repayments. Emergency governance vote has been launched by ListaDAO. Incident raises concerns about asset safety and transparency in decentralized lending.  Lista DAO has intensified its push for responsibility and accountability from MEV Capital and Re7 Labs after long-lasting liquidity problems in their vaults. Concerns are growing over rising borrowing rates and the lack of repayment activity in collateralized assets. The increasing danger for lenders in the MEV Capital USDT and Re7 Labs USD1 vaults has led to quick governance action and made the lending protocol consider possible urgent emergency liquidation steps. We are aware and has been closely monitoring the @MEVCapital USDT Vault and @Re7Labs USD1 Vault, where collateral assets ($sUSDX and $USDX) continue facing abnormally high borrowing rates without repayment activity. As an on-chain P2P lending protocol, Lista Lending has been… — Lista DAO (@lista_dao) November 6, 2025 Recently, both vaults have exhibited highly abnormal borrowing dynamics, due to which users were not able to exit positions normally. Lista DAO, which operates as an on-chain peer-to-peer lending protocol, confirmed that collateral assets used within the vaults (sUSDX and USDX) are facing persistently high borrowing rates without any counterbalancing repayment flows. “As an on-chain P2P lending protocol, Lista Lending has been actively engaging both teams to resolve the situation,” the DAO stated in a public post on X (formerly known as Twitter). “Continued inaction and delay will not solve the issue. We urge MEV Capital and Re7 Labs to take immediate responsibility: finalize decisions, communicate transparently, and work with us to protect users and restore market balance.” Unresolved Market Imbalance This situation has raised concerns over possible chain reactions across the DeFi lending space. Since there are no repayments, the vault’s collateral levels could drop fast, which…

Author: BitcoinEthereumNews

2025/11/06

Charles Schwab commits to launch crypto trading in H1 2026

Charles Schwab commits to launch crypto trading in H1 2026

Charles Schwab plans to launch crypto trading services in the first half of 2026.

Author: Cryptopolitan

2025/11/06

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