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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.

15505 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
One Year On: Inside ApeChain’s Brief Rise and Slow Fall

One Year On: Inside ApeChain’s Brief Rise and Slow Fall

The post One Year On: Inside ApeChain’s Brief Rise and Slow Fall appeared on BitcoinEthereumNews.com. Just over a year after its launch, ApeChain’s TVL has dropped over 80%, and only three of its nearly 30 protocols generate any revenue. ApeChain, the Yuga Labs-backed Layer 3 network built for the ApeCoin ecosystem, celebrated its first anniversary last month. After a brief rise in on-chain value and activity, ApeChain has been mostly in decline since its launch, while its native token ApeCoin (APE) has also struggled to regain its NFT-era highs. When it launched at ApeFest in Hong Kong on Oct. 20 last year, the project promised a variety of features such as fast transactions, non-fungible token (NFT) staking, and multiple utility-cases for APE, which was launched two years prior to the network’s debut. At first, the launch of ApeChain — which was initially proposed to the ApeCoin DAO by a team including leads at Horizen Labs, Arbitrum developer Offchain Labs, and the Arbitrum Foundation — sparked a surge in activity as the network was supported by “Banana Bill,” an initiative with over 100 million APE tokens aimed at incentivizing developers and apps. ApeChain TVL in USD. Source: DefiLlama And for a brief period of time, those efforts indeed paid off as the network saw a surge in total value locked (TVL), hitting a peak of $33.8 million in December 2024, according to data from DefiLlama. But TVL has mostly been in steady decline since then, falling as low as $6.7 million at the time of writing — its lowest level ever, except for a brief drop in November of last year. Also per DefiLlama, only three of the nearly 30 protocols on ApeChain are making any revenue, and two of them made less than $100 in the past 24 hours. Top-5 ApeChain protocols by 24-hour revenue. Source: DefiLlama Since ApeChain’s native token APE launched, its price…

Author: BitcoinEthereumNews

2025/11/05

La Culex Turns Memes into Millions: 26% Presale Rally Beats Bitcoin and Hyperliquid in the Best Crypto Presale to Buy Now

La Culex Turns Memes into Millions: 26% Presale Rally Beats Bitcoin and Hyperliquid in the Best Crypto Presale to Buy Now

If money can’t buy happiness, then whoever said that never held La Culex ($CULEX) during a bull run. Picture this: it’s Monday, your alarm buzzes like a dying mosquito, and suddenly your phone pings, your meme coin just turned $1,000 into a mini fortune. That’s the kind of mischief La Culex brings to the blockchain, blending humor, hype, […]

Author: Coinstats

2025/11/05

Hyperscale Data Nears $100 Million Bitcoin Goal With Mining Expansion

Hyperscale Data Nears $100 Million Bitcoin Goal With Mining Expansion

Key Takeaways:Hyperscale’s Bitcoin reserves have grown to $73.5 million, now making up 61% of its total market cap. The firm […] The post Hyperscale Data Nears $100 Million Bitcoin Goal With Mining Expansion appeared first on Coindoo.

Author: Coindoo

2025/11/05

Next Crypto to Explode? LivLive ($LIVE) Dominates 2025 Top Crypto Presales as BlockDAG and Ozak AI Catch Fire

Next Crypto to Explode? LivLive ($LIVE) Dominates 2025 Top Crypto Presales as BlockDAG and Ozak AI Catch Fire

Ever feel like your time, attention, and daily movement create value for others, but never for you? LivLive ($LIVE) fixes […] The post Next Crypto to Explode? LivLive ($LIVE) Dominates 2025 Top Crypto Presales as BlockDAG and Ozak AI Catch Fire appeared first on Coindoo.

Author: Coindoo

2025/11/05

Chainlink oracle glitch costs Moonwell $1M as DeFi suffers another exploit

Chainlink oracle glitch costs Moonwell $1M as DeFi suffers another exploit

The post Chainlink oracle glitch costs Moonwell $1M as DeFi suffers another exploit appeared on BitcoinEthereumNews.com. Key Takeaways What caused the Moonwell exploit? A Chainlink oracle price feed malfunction incorrectly valued 0.02 wrstETH (worth pennies) at millions, allowing an attacker to drain funds before the protocol could respond. How does this relate to other recent DeFi hacks? Moonwell’s loss came just 24 hours after Balancer’s $128M exploit and marks Moonwell’s fourth major hack in three years. DeFi suffered its worst start to a month in a long time as two major protocols lost $129 million in 48 hours.  A Chainlink oracle malfunction enabled a $1 million Moonwell exploit on 4 November, just one day after hackers drained $128 million from Balancer across six blockchains. The Chainlink oracle exploit An attacker exploited Moonwell’s lending protocol on Base using a sophisticated oracle manipulation attack. The hacker flashloaned approximately 0.02 wrstETH, worth mere pennies, and deposited it as collateral. However, a Chainlink oracle price feed temporarily malfunctioned, valuing this tiny collateral at $5.8 million. The protocol accepted the inflated valuation. The attacker immediately borrowed over 20 wstETH against the artificially valued collateral. Source: CertiK The exploit was repeated seven times within three hours, and each cycle netted approximately 24.5-24.9 ETH. The attacker executed everything within single blocks, avoiding liquidation mechanisms, and made a total profit of 292 ETH [around $1.01 million]. CertiK detected the exploit and confirmed that the oracle pricing error enabled the attack. The incident highlights the risks of infrastructure dependency in DeFi lending protocols, although Chainlink’s core oracle network remained secure throughout. TVL crashes, token plummets Analysis of DefiLlama data revealed that Moonwell’s Total Value Locked [TVL] collapsed from $268 million to $213 million, a $55 million exodus in just hours.  Source: DefiLlama Additionally, the WELL token declined by over 12% to trade at approximately $0.012, while the broader cryptocurrency market decreased by more than 1%.…

Author: BitcoinEthereumNews

2025/11/05

Stream Finance Stablecoin Plunges 77% After Protocol’s Fund Manager Loses $93 Million

Stream Finance Stablecoin Plunges 77% After Protocol’s Fund Manager Loses $93 Million

The post Stream Finance Stablecoin Plunges 77% After Protocol’s Fund Manager Loses $93 Million appeared on BitcoinEthereumNews.com. In brief Stream Finance announced that an external fund manager lost approximately $93 million in user assets, triggering an immediate suspension of all withdrawals and deposits. Staked Stream USD (xUSD) crashed from its $1 peg, falling about 77% following the announcement. DeFi research group Yields and More identified nearly $285 million in direct debt exposure across multiple lending protocols. Stream Finance disclosed late Monday that an external fund manager overseeing its funds lost approximately $93 million in user assets, triggering a 77% crash in the price of its flagship stablecoin and exposing critical vulnerabilities in DeFi’s interconnected lending ecosystem. The protocol announced it has suspended all withdrawals and deposits while engaging law firm Perkins Coie to investigate the incident and determine creditor priorities. “We are actively withdrawing all liquid assets and expect this process to be completed in the near term,” Stream Finance wrote on X. Yesterday, an external fund manager overseeing Stream funds disclosed the loss of approximately $93 million in Stream fund assets. In response, Stream is in the process of engaging Keith Miller and Joseph Cutler of the law firm Perkins Coie LLP, to lead a comprehensive… — Stream Finance (@StreamDefi) November 4, 2025 “Until we are able to fully assess the scope and causes of the loss, all withdrawals and deposits will be temporarily suspended,” the protocol wrote. “Any pending deposits will not be processed at this time.” The loss caused Staked Stream USD (xUSD) to depeg soon after, rapidly plummeting to approximately $0.50, according to blockchain security firm PeckShield. At the time of writing, CoinGecko data shows xUSD trading at just $0.26, a 77% drop over the past 24 hours. DeFi research group Yields and More (YAM) identified nearly $285 million in direct debt exposure across multiple lending protocols, including Euler, Silo, Morpho, and Gearbox,…

Author: BitcoinEthereumNews

2025/11/05

Michael Jackson’s “Thriller” Returns To U.K. Charts After Halloween

Michael Jackson’s “Thriller” Returns To U.K. Charts After Halloween

The post Michael Jackson’s “Thriller” Returns To U.K. Charts After Halloween appeared on BitcoinEthereumNews.com. Michael Jackson’s “Thriller” becomes a top seller again in the U.K. as Halloween boosts streams and sales, while “Billie Jean” and The Essential Michael Jackson climb. VARIOUS, VARIOUS – JUNE 25: IMAGE RESTRICTED – NOT AVAILABLE FOR USE IN A NORTH AMERICAN MAGAZINE COVER UNTIL JULY 11, 2009 Michael Jackson performs in concert circa 1995. (Photo by Kevin Mazur/WireImage) WireImage Halloween may already be a few days in the rearview mirror, but music charts around the world still reflect sales, streaming activity, and listening habits from before the holiday. That means some of the most famous tunes connected to the annual celebration of all things spooky and scary appear in lofty positions, though many are likely to disappear again in short order, when attention turns once more to the biggest pop, hip-hop, country and rock tracks around the world – and then soon to Christmas music once again. As is often the case, Michael Jackson is one of the greatest beneficiaries of Halloween’s return. “Thriller,” one of his most famous songs, has been designated a Halloween classic for decades, and consumption of the single explodes every October. Just before November rolls around, fans of both Jackson and the holiday turned their attention to “Thriller” once more, turning it into a top seller and a certified smash in the United Kingdom. Michael Jackson’s “Thriller” Returns to Multiple Charts “Thriller” appears on four charts in the U.K. this frame. It returns to two of them, breaking back onto the Official Streaming list at No. 88 and finding its way into the top 40 on the Official Singles tally. That latter list ranks the most consumed tracks throughout the nation, blending both sales and streams, and this time around, “Thriller” reenters at No. 33. What Is the All-Time Chart Peak for Michael Jackson’s…

Author: BitcoinEthereumNews

2025/11/05

DeFi lender Moonwell hit by $1M exploit tied to Chainlink data error

DeFi lender Moonwell hit by $1M exploit tied to Chainlink data error

Moonwell was exploited for 295 ETH, using flawed pricing from an external offline oracle. The DeFi lending protocol suffered a similar exploit earlier in October and apparently did not fix the flaw, allowing the hacker to attack again.

Author: Cryptopolitan

2025/11/05

EU ESMA Expansion to Crypto: Innovation Risks or Regulatory Maturity Ahead?

EU ESMA Expansion to Crypto: Innovation Risks or Regulatory Maturity Ahead?

The post EU ESMA Expansion to Crypto: Innovation Risks or Regulatory Maturity Ahead? 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 → The European Commission’s proposal to extend ESMA’s jurisdiction to crypto assets aims to create unified supervision across the EU, mirroring the US SEC model, but it raises concerns about slowing innovation for crypto firms while enhancing regulatory consistency. ESMA expansion targets crypto service providers and stock exchanges for centralized oversight. The plan builds on MiCA, allowing license passporting but centralizing decisions in Brussels. Experts highlight potential innovation risks, with 70% of fintech leaders surveyed by Deloitte expressing concerns over regulatory delays. Discover how ESMA’s crypto supervision expansion could reshape EU financial markets. Explore impacts on innovation, MiCA compliance, and balanced regulation for crypto firms. Stay informed on key policy shifts. What is the European Commission’s Plan for ESMA Crypto Supervision? The ESMA crypto supervision initiative involves granting the European Securities and Markets Authority direct oversight over cryptocurrency service providers and capital markets, as outlined in a forthcoming draft expected in December 2025. This move seeks to standardize regulations across the 27 EU member states, reducing fragmentation seen under current frameworks like the Markets in Crypto-Assets Regulation (MiCA). By centralizing…

Author: BitcoinEthereumNews

2025/11/04

Debate Grows as EU Considers Giving ESMA Direct Oversight of Crypto and Stock Markets

Debate Grows as EU Considers Giving ESMA Direct Oversight of Crypto and Stock Markets

The European Commission is considering expanding the powers of the European Securities and Markets Authority to oversee cryptocurrency and traditional capital markets. The plan could give ESMA direct supervision over exchanges and crypto service providers, creating a system similar to the US SEC. A draft is expected in December.Digital assets meet tradfi in London at the fmls25The expanded role of ESMA builds on guidelines issued in April 2025 for national regulators on detecting and preventing market abuse under MiCA. The rules emphasized risk-based supervision and cross-border coordination, providing a framework for more consistent oversight across EU member states.MiCA Passport System Faces Potential RisksCurrently, under the Markets in Crypto-Assets Regulation, companies licensed in one EU country can operate across all 27 member states through a “passport” system. Some experts warn that shifting decision-making entirely to ESMA could slow innovation in crypto and fintech. Faustine Fleuret of decentralized lending protocol Morpho said centralizing oversight “would demand vast human and financial resources” and suggested giving ESMA stronger oversight over national regulators instead.🇪🇺 NEW: The European Commission is drafting a proposal to give ESMA SEC-like oversight over crypto and stock exchanges, with draft expected in December.Could this make the EU more crypto-friendly or stifle innovation? pic.twitter.com/JiYNBz3pXv— Cointelegraph (@Cointelegraph) November 2, 2025France Challenges EU Crypto Passport RulesConcerns over enforcement gaps have surfaced. In September, France’s regulator signaled it might block the passporting of crypto licenses, raising doubts about uniform application across the EU. Fleuret said the passport system is “the cornerstone of EU financial regulations” and key to maintaining Europe’s competitive advantage for crypto firms.Lagarde Backs Single EU Supervisory BodyOther analysts view a larger role for ESMA as a potential step toward regulatory consistency. Dea Markova from digital asset custody platform Fireblocks said centralized supervision could help address licensing, cybersecurity, and operational risks, but its effectiveness depends on proper implementation and resourcing.European Central Bank President Christine Lagarde has also expressed support for a single EU supervisory body, echoing proposals similar to the SEC model. This article was written by Tareq Sikder at www.financemagnates.com.

Author: Financemagnates

2025/11/04

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