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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.

15513 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
PBOC sets USD/CNY reference rate at 7.0901 vs. 7.0885 previous

PBOC sets USD/CNY reference rate at 7.0901 vs. 7.0885 previous

The post PBOC sets USD/CNY reference rate at 7.0901 vs. 7.0885 previous appeared on BitcoinEthereumNews.com. The People’s Bank of China (PBOC) set the USD/CNY central rate for the trading session ahead on Wednesday at 7.0901 compared to the previous day’s fix of 7.0885 and 7.1336 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-70901-vs-70885-previous-202511050209

Author: BitcoinEthereumNews

2025/11/05

Seres Hong Kong IPO Raises $1.8B Amid China EV Price War Challenges

Seres Hong Kong IPO Raises $1.8B Amid China EV Price War Challenges

The post Seres Hong Kong IPO Raises $1.8B Amid China EV Price War Challenges appeared on BitcoinEthereumNews.com. COINOTAG recommends • Exchange signup 💹 Trade with pro tools Fast execution, robust charts, clean risk controls. 👉 Open account → COINOTAG recommends • Exchange signup 🚀 Smooth orders, clear control Advanced order types and market depth in one view. 👉 Create account → COINOTAG recommends • Exchange signup 📈 Clarity in volatile markets Plan entries & exits, manage positions with discipline. 👉 Sign up → COINOTAG recommends • Exchange signup ⚡ Speed, depth, reliability Execute confidently when timing matters. 👉 Open account → COINOTAG recommends • Exchange signup 🧭 A focused workflow for traders Alerts, watchlists, and a repeatable process. 👉 Get started → COINOTAG recommends • Exchange signup ✅ Data‑driven decisions Focus on process—not noise. 👉 Sign up → Seres Group, a leading Chinese electric vehicle manufacturer, successfully raised $1.8 billion through its Hong Kong IPO on Wednesday, pricing shares at HK$131.50 amid strong investor demand. This listing expands its global presence following a 1,600% stock surge in Shanghai over five years. The IPO attracted over 300 investors and priced at the top of the marketed range, signaling robust market confidence in Seres’ luxury EV offerings. Hong Kong’s equity market sees its strongest year since 2021, with $51 billion raised in public offerings so far in 2025. China’s EV sector faces challenges from price wars, with BYD reporting a 33% drop in Q3 net income to $1.1 billion amid declining sales. Seres Hong Kong IPO raises $1.8B, boosting EV maker’s global reach. Discover how partnerships with Huawei fuel luxury EV growth amid industry price pressures. Explore investment opportunities now. What is the Seres Hong Kong IPO and why does it matter? The Seres Hong Kong IPO marks a significant milestone for the Chinese electric vehicle company, which raised HK$14.3 billion, equivalent to $1.8 billion, through a public share…

Author: BitcoinEthereumNews

2025/11/05

Sequans Sells 970 Bitcoin to Halve Debt, Maintains Treasury Strategy

Sequans Sells 970 Bitcoin to Halve Debt, Maintains Treasury Strategy

The post Sequans Sells 970 Bitcoin to Halve Debt, Maintains Treasury Strategy appeared on BitcoinEthereumNews.com. COINOTAG recommends • Exchange signup 💹 Trade with pro tools Fast execution, robust charts, clean risk controls. 👉 Open account → COINOTAG recommends • Exchange signup 🚀 Smooth orders, clear control Advanced order types and market depth in one view. 👉 Create account → COINOTAG recommends • Exchange signup 📈 Clarity in volatile markets Plan entries & exits, manage positions with discipline. 👉 Sign up → COINOTAG recommends • Exchange signup ⚡ Speed, depth, reliability Execute confidently when timing matters. 👉 Open account → COINOTAG recommends • Exchange signup 🧭 A focused workflow for traders Alerts, watchlists, and a repeatable process. 👉 Get started → COINOTAG recommends • Exchange signup ✅ Data‑driven decisions Focus on process—not noise. 👉 Sign up → Sequans, the NYSE-listed semiconductor firm, sold 970 Bitcoin for $97 million to reduce debt by 50% to $94.5 million, retaining 2,264 BTC valued at $228 million. This tactical move strengthens finances while upholding Bitcoin as a long-term reserve asset, announced four months after initiating its crypto treasury strategy in July. Sequans reduced its Bitcoin holdings from 3,234 to 2,264 BTC after selling 970 coins. The sale generated $97 million, slashing outstanding debt from $189 million to $94.5 million and easing covenant constraints. Company shares (SQNS) dropped 16.6% on the announcement day, reflecting market volatility in crypto treasuries; Bitcoin’s price hovered around $100,000 per coin. Sequans sells 970 Bitcoin to cut debt in half amid crypto treasury pivot. Explore how this impacts corporate Bitcoin strategies and shareholder value in 2025. Stay informed on digital asset trends—subscribe for updates. What is Sequans’ Bitcoin Treasury Strategy? Sequans’ Bitcoin treasury strategy involves holding the leading cryptocurrency as a long-term reserve asset to enhance shareholder value and financial stability. The Paris-based semiconductor company began acquiring Bitcoin in July, amassing 3,234 BTC before recently selling…

Author: BitcoinEthereumNews

2025/11/05

Why Everyone Is Talking About This New Crypto Coin Before Q1 2026

Why Everyone Is Talking About This New Crypto Coin Before Q1 2026

The post Why Everyone Is Talking About This New Crypto Coin Before Q1 2026 appeared on BitcoinEthereumNews.com. The crypto market is not based on hype-driven meme coins but on long-term utility projects with the end of the 2025. Mutuum Finance (MUTM) is a new DeFi token that is growing popular among investors and may turn into one of the most successful ones to follow in 2026. The project is a combination of both practical use in the real world and potential of investing earlier, and its presale has already attracted the attention of the industry. Mutuum Finance emerges as one of the most discussed new crypto coins of the year and its price is still under $0.05 but a novel protocol launch is also coming, which promotes the gradual increase in the popularity of this project. Presale Gains Momentum The presale of Mutuum Finance has demonstrated a consistent increase up to 2025. The current phase of the project is Phase 6 and the MUTM tokens are traded at $0.035 each. The following step will involve increasing the price to be charged at $0.04 and price at launch will be at $0.06 which will give an early buyer an advantage of around 100-500% MUTM appreciation.  The value of the token has also increased by 250% since the very first offer when the presale stood at a low price of just $0.01 US. To illustrate a bigger picture, 790 million tokens have already been sold, so 85%of Phase 6 is already allocated. Mutuum Finance also raised more than $18.4 million and had over 18,000 holders, which shows increased confidence of the retail and institutional investors. Mutuum Finance (MUTM) The prototype of Mutuum Finance (MUTM) establishes a decentralized lending and borrowing protocol that is non-custodial. It considers giving an effective and direct lending system where users will be able to lend, borrow and make yield without the intervention of any…

Author: BitcoinEthereumNews

2025/11/05

IPO Genie Could Be ‘Solana 2.0’ for 2025’s AI Presale Boom

IPO Genie Could Be ‘Solana 2.0’ for 2025’s AI Presale Boom

The post IPO Genie Could Be ‘Solana 2.0’ for 2025’s AI Presale Boom appeared on BitcoinEthereumNews.com. Crypto Presales Crypto presale analysis suggests IPO Genie could be the next Solana 2.0 of 2025, blending AI innovation with tokenised finance to redefine blockchain investments. IPO Genie, the latest presale that was launched yesterday is being hailed as the “Solana 2.0” of 2025. A fast-rising AI-driven blockchain venture, IPO Genie has smashed through presale expectations, attracting seasoned investors, retail traders, and early adopters chasing the next breakout in this year’s crowded presale market. According to the latest crypto presale analysis, IPO Genie’s early momentum is about timing, utility, and vision. While most presales in 2025 have struggled to find staying power beyond initial token buzz, IPO Genie has carved a clear narrative around something investors actually understand: access. Bridging AI, Finance, and Tokenised Access At its core, IPO Genie’s mission is simple but powerful – bridge private-market investment opportunities with blockchain efficiency. It allows retail investors to participate in tokenised versions of high-growth private companies, the kind typically reserved for venture funds and institutional backers. This concept has turned heads because it blends two of 2025’s hottest narratives – AI innovation and financial inclusion. With artificial intelligence underpinning its risk models, market analysis, and deal matching, IPO Genie’s approach doesn’t just feel futuristic – it feels necessary. Crypto insiders are already comparing its potential impact to what Solana achieved in 2021: speed, efficiency, and scalability that redefined blockchain standards. But this time, it’s about financial infrastructure, not just technical throughput. “IPO Genie is to private equity what Solana was to smart contracts,” says a leading analyst from a Dubai-based research firm. “It’s making an old, closed market feel open and dynamic again. For anyone studying crypto presale analysis, this project is an anomaly – in the best way possible.” Solana 2.0? What Makes the Comparison Click, According to Crypto…

Author: BitcoinEthereumNews

2025/11/05

Moonwell Investigates wrsETH Price Misreport Amid DeFi Security Concerns

Moonwell Investigates wrsETH Price Misreport Amid DeFi Security Concerns

The post Moonwell Investigates wrsETH Price Misreport Amid DeFi Security Concerns appeared on BitcoinEthereumNews.com. COINOTAG recommends • Exchange signup 💹 Trade with pro tools Fast execution, robust charts, clean risk controls. 👉 Open account → COINOTAG recommends • Exchange signup 🚀 Smooth orders, clear control Advanced order types and market depth in one view. 👉 Create account → COINOTAG recommends • Exchange signup 📈 Clarity in volatile markets Plan entries & exits, manage positions with discipline. 👉 Sign up → COINOTAG recommends • Exchange signup ⚡ Speed, depth, reliability Execute confidently when timing matters. 👉 Open account → COINOTAG recommends • Exchange signup 🧭 A focused workflow for traders Alerts, watchlists, and a repeatable process. 👉 Get started → COINOTAG recommends • Exchange signup ✅ Data‑driven decisions Focus on process—not noise. 👉 Sign up → Moonwell, a DeFi lending protocol on Base and Optimism, has denied claims of a $1 million exploit involving wrsETH, attributing the issue to a misreported oracle price rather than a hack. Markets for wrsETH have been paused with reduced caps to mitigate risks, ensuring no further exploitation. Moonwell’s official statement confirms no active hack occurred; the wrsETH price error stemmed from faulty oracle data. The protocol quickly adjusted supply and borrow caps on Base and Optimism networks to zero out potential vulnerabilities. Blockchain security firms like CertiK and QuillAudits initially flagged the anomaly, but investigations show no funds were lost, according to Moonwell, though community analysts dispute this with on-chain evidence of prior and potential losses totaling over $2 million. Moonwell wrsETH price misreport sparks DeFi concerns: No exploit confirmed, but oracle errors highlight vulnerabilities. Stay informed on the latest crypto security updates and protect your assets today. What is the Moonwell wrsETH Price Misreport? Moonwell wrsETH price misreport refers to a recent incident where the DeFi lending protocol Moonwell experienced distorted price data for wrapped restaked ETH (wrsETH),…

Author: BitcoinEthereumNews

2025/11/05

Ripple President Monica Long outlines XRP Ledger’s next phase with lending protocol and stablecoin expansion

Ripple President Monica Long outlines XRP Ledger’s next phase with lending protocol and stablecoin expansion

The post Ripple President Monica Long outlines XRP Ledger’s next phase with lending protocol and stablecoin expansion appeared on BitcoinEthereumNews.com. Key Takeaways Monica Long, Ripple President, outlined Ripple’s future strategy at Swell 2025 in New York City. The event brings together leaders from major banks, asset managers, and institutions to discuss blockchain’s financial impact. Ripple President Monica Long said the company is doubling down on XRP Ledger innovation alongside its commercial business serving financial institutions. Speaking at Ripple Swell 2025 today, Long noted that the team is fully dedicated to advancing the ledger’s capabilities, with several new features recently proposed for amendment. “Next up is a lending protocol,” said Long. “So there’s a lot of investment internally and just expanding the use cases and capabilities.” Long said Ripple’s strategy revolves around the “flywheel effect” between utility, trust, and liquidity, emphasizing that much of the company’s current work is centered on building real-world utility for XRP. Source: https://cryptobriefing.com/ripple-president-monica-long-outlines-next-chapter-swell-2025/

Author: BitcoinEthereumNews

2025/11/05

This $0.035 Token Could Be the Best Crypto Investment Before 2026

This $0.035 Token Could Be the Best Crypto Investment Before 2026

Cryptocurrency is currently on a booming trend as investors are looking to reap the benefits of the potentially high-upside projects prior to the next bull run within the market. Even though old, established and known Bitcoin and Ethereum are considered to be long-term stores of value, better returns are constantly discovered in new tokens just in the early phases of development. The projects that have been in the limelight of the analyst circles is Mutuum Finance (MUTM), a DeFi crypto, which is designed to combine utility, yield potential and transparency with the idea of decentralized lending. A New Awakening to DeFi Lending Mutuum Finance is working on a non-custodial, decentralized protocol that will expect to match borrowers and lenders with the help of smart contracts. Its vision is to provide safer, less complicated, and efficient ways of lending crypto through its automated nature in the use of code to complete the intermediaries. The protocol will include two important components that would be conducive to the liquidity and flexibility across different types of users. The latter is the Peer-to-Contract (P2C) lending that is premised on the shared market of major cryptocurrencies, including the ETH and the USDT. Users place their assets on deposit and they are given mtTokens which are ERC-20 receipts that generate interests. To give an example, the deposit 50 USDC will provide the user 50 mtUSDC which will gain value with time as borrowers will make payments into the system. Such a framework permits the lenders to be presented as active passive incomes. The second one is Peer-to-peer (P2P) lending whereby the user has a chance to create their own conditions, fees and security packages when borrowing and lending funds directly. The borrowers ought to pledge collateral and this may meet predetermined Loan-to-Value (LTV) ratios. In case the price of their collateral goes down below the safety level then automatic liquidation procedure is started which is designed to secure the system. This form of diversity and safety means that users can choose among a number of options to communicate and maintain the stability of the platform. Presale and Investors Confidence Mutuum Finance (MUTM) is in Phase 6 of presale in which its tokens are currently being sold at a value of $0.035 apiece. The next phase will increase the price by nearly 20% to $0.04 after which an undisputed launch price of 0.06 will be executed. The token has shown a 250% surge since initial release in Phase 1, as the investor focus is taking off.  The project has absorbed more than 18,000 holders directly as well as raised more than $18.4 million of funds so far, and this implies that there has been a good demand. More than 790 million tokens have already been sold i.e. 85% of Phase 6 is already allocated.  The rate of this acceleration is rapid and the mechanics are transparent such as a 24 hours leader board having the greatest daily contributor as the winner which receives $500 worth of MUTM tokens each day. This does not only preserve the participation, but it makes it visible. A card-based ability to purchase MUTM without any limitations has affected consumers of retail and larger financers, which has added to the enhanced momentum. V1 Launch and Security Foundation. The Mutuum Finance development team has stated that it would deploy the V1 protocol on Sepolia Testnet in Q4 2025, a major milestone on its roadmap. The key components of the ecosystem in this iteration are going to be a Liquidity Pool, the mtToken system, Debt Tokens and the Liquidator Bot that will automatically control the collateralized positions. At its inception, the project has been concerned about security. Mutuum Finance has been audited by CertiK and scored a colossal 90/100 in Token Scan. The team also operates a bug bounty program as a 50,000 US dollars incentive to continue testing its application to ensure that the smart-contracts are safe in its continuous third-party security testing and responsible disclosure. These steps have won trust of the investors as well as the analysts. It is presumed that this proactive measure would drive Mutuum Finance to become one of the potential best cryptocurrencies to buy before 2026, especially as the protocol approaches live deployment. The Price Forecasts and growth potential. The majority of researchers of the development patterns on the DeFi market have regarded Mutuum Finance as an exception regarding the product development and presale organization. With high presale velocity, a clear roadmap, and practical use case, it is possible to make some predictions that the MUTM token could grow by 700-900% in the first year of launch. This estimate is supported by the buy-and-distribute MUTM model that will fetch a share of protocol fees to buy MUTM tokens in the open market and reissue MUTM tokens to the holders of the mtTokens in the protocol. As long as the lending protocol is implemented in a healthy manner in the post-launch day, the mechanism can establish a continuous buying pressure and long-term demand that is otherwise lacking in most of the tokens that are currently in the early stages of development. Mutuum Finance (MUTM) is a new crypto that has been initiated and grown to be one of the best DeFi crypto to watch in 2025. The figures achieved $18.4 million raised, an excess of 18,000 investors on board, and even selling out at a 85% presale at Phase 6 which were the signs of a growing investor confidence. The next success story of the DeFi market breakout may be the chosen one, Mutuum Finance, which shows that innovation as a value generator is possible, even though it seems that there are plenty of competitors on the market. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance

Author: Coinstats

2025/11/05

Milk Mocha’s $HUGS Presale Blends Emotion, NFTs, & 50% APY Rewards

Milk Mocha’s $HUGS Presale Blends Emotion, NFTs, & 50% APY Rewards

The post Milk Mocha’s $HUGS Presale Blends Emotion, NFTs, & 50% APY Rewards appeared on BitcoinEthereumNews.com. Crypto Presales Explore the $HUGS presale as Milk Mocha’s world expands with NFTs, 50% APY staking, and community-led joy. Celebrate the token that turns love into crypto success. The Milk Mocha ($HUGS) whitelist has officially closed after capturing hearts and headlines around the world. What began as a heartfelt fan project has grown into one of 2025’s most anticipated presales, blending emotion, art, and blockchain in a way that feels truly special. With all whitelist spots now claimed, the live $HUGS presale welcomes fans to join the next chapter filled with staking rewards, NFTs, and the upcoming HUGS Play Zone. The process remains simple; no KYC, no waitlists, just pure accessibility. In a market often ruled by numbers and trends, $HUGS shines as a reminder that crypto can also be joyful, meaningful, and community-driven. The final hugs may be gone, but the love story is only just beginning. Mocha’s Whitelist Madness Becomes a Sold-Out Celebration The $HUGS whitelist has officially closed after igniting a global wave of excitement that felt more like a celebration than a crypto event. Fans who have followed Milk and Mocha’s adorable adventures for years rushed to secure their spots, turning this presale into one of 2025’s most heartwarming success stories. Now that the whitelist is complete, the live $HUGS presale gives fans early access to tokens at the starting price before the next stage begins. Its deflationary model permanently burns unsold tokens, ensuring lasting scarcity and value for holders while keeping transparency at the heart of the project. Across social media, the community continues to celebrate with fan art, countdowns, and memes that capture the spirit of Milk and Mocha’s world. What started as a cozy comic has evolved into a global movement where love, creativity, and crypto meet in perfect harmony. A Token That…

Author: BitcoinEthereumNews

2025/11/05

Mutuum Finance (MUTM) Surpasses $18.4 Million as V1 Protocol Launch Approaches in Q4 2025

Mutuum Finance (MUTM) Surpasses $18.4 Million as V1 Protocol Launch Approaches in Q4 2025

Mutuum Finance (MUTM) is a DeFi lending and borrowing protocol designed for real users. It runs on two models. The first is Peer-to-Contract (P2C) lending. Here, users deposit trusted assets like ETH or USDT into liquidity pools. In return, they receive mt tokens, which represent their deposits.

Author: Hackernoon

2025/11/05

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