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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.

15478 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
OpenAI Expands Southeast Asia Footprint with Telkomsel ChatGPT Go Deal

OpenAI Expands Southeast Asia Footprint with Telkomsel ChatGPT Go Deal

TLDRs; OpenAI partners with Telkomsel to offer bundled ChatGPT Go data packages to over 157 million Indonesian users. The deal marks OpenAI’s first large-scale telecom collaboration in Southeast Asia, enhancing AI access across Indonesia. ChatGPT Go bundles start at just Rp50,000, including special data quotas and up to two months’ access. The partnership aims to [...] The post OpenAI Expands Southeast Asia Footprint with Telkomsel ChatGPT Go Deal appeared first on CoinCentral.

Author: Coincentral

2025/11/03

Best Crypto Presales to Watch in 2025: The Rise of Mono Protocol ($MONO) and the New Wave of Investment Giants

Best Crypto Presales to Watch in 2025: The Rise of Mono Protocol ($MONO) and the New Wave of Investment Giants

Mono Protocol leads the new crypto presale wave in 2025, redefining DeFi and cross-chain infrastructure while standing out among the best presale crypto projects to watch this year.

Author: Cryptodaily

2025/11/03

Almost all global transactions will eventually use blockchain, Standard Chartered CEO

Almost all global transactions will eventually use blockchain, Standard Chartered CEO

Standard Chartered CEO Bill Winters says in the future, most transactions will be made on a digital blockchain ledger.

Author: Cryptopolitan

2025/11/03

Balancer exploit drains $129M in DeFi disaster

Balancer exploit drains $129M in DeFi disaster

The post Balancer exploit drains $129M in DeFi disaster appeared on BitcoinEthereumNews.com. One of the decentralized finance (DeFi) sector’s longest established exchanges, Balancer, has suffered an ongoing smart contract hack, with losses totalling $129 million so far. The exploit, which hit the exchange’s v2 liquidity pools on multiple blockchains, also reportedly affected projects which had “forked” Balancer’s code. Just over two hours after the attack began, Balancer acknowledged the incident, stating it was “aware of a potential exploit impacting Balancer v2 pools.” Read more: EXCLUSIVE: ‘Code is Law’ documentary explores the void between DeFi and law First launched in the run-up to 2020’s DeFi summer, Balancer’s v2 later expanded on the existing “constant product” model of automated market makers (such as Uniswap and Bancor) by introducing multi-asset and weighted liquidity pools. Other large DeFi projects such as Aave and Lido have reassured users their tokens’ pools aren’t affected. Lido and Flashbots’ Hasu remarked that Balancer’s v2 “is one of the most looked at and forked smart contracts since. It’s very scary.” According to a preliminary analysis from Blockchain security auditor Decurity, the “manageUserBalance” function contains a “faulty access check” which allows the hacker to withdraw funds. It notes that, additionally, “the Vault’s internal balance (_internalTokenBalance) was manipulated before the withdrawal.” 1inch’s Anton Bukov suspects exploitation of a rounding error. Balancer previously fell victim to a $2 million hack in August of 2023 due to a “rate manipulation” vulnerability in its Boosted Pools. The following month, it warned users of a front-end compromise. In March of 2023, $11 million of Balancer pool funds were drained during the hack on lending protocol Euler. Read more: $25 million Ethereum MEV exploit puts ‘Code Is Law’ on trial Cross-chain catastrophe  The exploit affected Balancer pools on multiple blockchains, with losses reported on Ethereum, Berachain, Arbitrum, Base, Sonic, Optimism and Polygon. Berachain announced that “validators have coordinated…

Author: BitcoinEthereumNews

2025/11/03

Here Are the Top 4 Ethena-Based DeFi Projects To Keep an Eye Out for in the Near Term!

Here Are the Top 4 Ethena-Based DeFi Projects To Keep an Eye Out for in the Near Term!

The post Here Are the Top 4 Ethena-Based DeFi Projects To Keep an Eye Out for in the Near Term! appeared on BitcoinEthereumNews.com. The crypto stablecoin arena has a new rising star, and its name is Ethena. This is thanks, in large part, to its flagship synthetic dollar, USDe, which has been one of the top-performing assets among the crypto top 100 in recent months.  By August 2025, USDe’s supply had surged to approximately $12 billion, making it the third-largest stablecoin in the market, capturing a ~5% share of the entire sector. Unlike traditional stablecoins (USDC, USDT, etc.), USDe is yield-bearing, offering holders roughly 9–11% APY through a delta-neutral strategy that hedges collateral while earning funding yields.  USDe market cap over the past twelve months (source: CMC) Such a model has attracted a flood of users, with USDe’s supply nearly tripling from mid-2025 (approaching $15 billion by October), setting the stage for a vibrant ecosystem around Ethena. Listed below are four of the best DeFi projects in this realm, so without any further ado, let’s jump straight into the heart of the matter. 1. Terminal Finance From the outside looking in, Terminal Finance is shaping up to be Ethena’s most promising decentralized exchange (DEX), purpose-built for trading the ecosystem’s yield-bearing stablecoins (“reward-bearing dollars”) and institutional assets. Much like Uniswap or Curve, Terminal will adopt a concentrated liquidity AMM model, but will be designed specifically to support assets like sUSDe (staked USDe), with deeper yield-aware optimizations built in. In terms of its operationality, the exchange will use concentrated liquidity pools (an AMM model adapted from Uniswap v3) to enable efficient trading with low slippage. That said, what makes Terminal truly unique is how it handles yield accrual within its liquidity pools.  Normally, providing a yield-bearing asset like sUSDe in a liquidity pool would cause impermanent loss as the token’s price creeps up from earned interest. Terminal solves this via a “redeemable token” framework where,…

Author: BitcoinEthereumNews

2025/11/03

3 Reasons Why This New Altcoin Joins BTC and SOL as 2025’s Top Crypto Picks

3 Reasons Why This New Altcoin Joins BTC and SOL as 2025’s Top Crypto Picks

Bitcoin (BTC) and Solana (SOL) have long stood as benchmarks for crypto success — one for its dominance, the other for its explosive growth during past bull runs. Yet, as 2025 unfolds, a new contender is rising to join their ranks. Mutuum Finance (MUTM), a DeFi crypto, has begun capturing the attention of analysts and [...] The post 3 Reasons Why This New Altcoin Joins BTC and SOL as 2025’s Top Crypto Picks appeared first on Blockonomi.

Author: Blockonomi

2025/11/03

$129M in Crypto Stolen, Berachain Validators Halt Chain for Hard Fork

$129M in Crypto Stolen, Berachain Validators Halt Chain for Hard Fork

The post $129M in Crypto Stolen, Berachain Validators Halt Chain for Hard Fork appeared on BitcoinEthereumNews.com. Balancer Hack: DeFi protocol suffered a major exploit that drained more than $129 million in crypto assets. Multiple chains, including Ethereum, Base, and Berachain, are impacted by the hack that targeted V2 vaults and liquidity pools. Balancer Hack: v2 Pools Exploit Led to $129M in Losses Decentralized finance protocol Balancer confirmed an exploit impacting v2 pools on November 3. The engineering and security teams are investigating the exploit, with hackers actively converting liquid staking protocols’ native tokens (LST) into ETH in real-time. PackShieldAlert reported a massive $129 million in crypto assets mostly linked to Ethereum were drained by hackers. The stolen crypto assets across multiple chains included WETH, osETH, wstETH, sfrxETH, and rsETH. According to Spot On Chain data, Ethereum, Base, Optimism, Sonic, Polygon, and Berachain networks are impacted. Notably, a dormant whale address 0x009 just woke up after the exploit and withdrew $7.38 million worth of assets from Balancer. Balancer Hack Impacted Crypto Assets. Source: Spot On Chain The attack targeted Balancer’s V2 vaults and liquidity pools, exploiting a vulnerability in the smart contract. On-chain investigators highlighted a maliciously deployed contract that manipulated Vault calls during pool initialization. Notably, improper authorization and callback handling enabled the hackers to bypass safeguards. This triggered unauthorized swaps or balance manipulations across interconnected pools, draining assets from multiple chains. Bera Validators Halts Chain for Hard Fork Bera Foundation revealed that validators have purposefully halted the Berachain network. The core team will perform an emergency hard fork to address Balancer V2-related exploits on the chain. The foundation added that the network will be live again after recovering all affected funds. Smokey The Bera posted on X that Ethena team was contacted to disable bridging out of Bera, disabled lending markets and deposits for USDe, paused HONEY mints and redemption, and contacted CEXes to ensure…

Author: BitcoinEthereumNews

2025/11/03

RBA’s Crucial Dilemma: Navigating Australian Inflation with a Hawkish Hold

RBA’s Crucial Dilemma: Navigating Australian Inflation with a Hawkish Hold

BitcoinWorld RBA’s Crucial Dilemma: Navigating Australian Inflation with a Hawkish Hold As global economies grapple with persistent inflation, all eyes are on central banks and their crucial decisions. For cryptocurrency enthusiasts, understanding these macroeconomic shifts is paramount, as they often dictate the broader market sentiment and investment flows. The upcoming RBA interest rate decision in November is no exception, poised to deliver a ‘hawkish hold’ that could send ripples through the financial world, including digital asset markets. Let’s delve into what this means for Australia and beyond. Understanding the RBA Interest Rate Decision: What to Expect? The Reserve Bank of Australia (RBA) is at a critical juncture. After a period of aggressive rate hikes, the central bank has opted for a pause in recent months, allowing time for previous tightening to work through the economy. However, the latest inflation data has complicated this strategy, pushing market expectations towards a scenario where the RBA maintains a firm, or ‘hawkish,’ stance even if it doesn’t raise rates immediately. A ‘hawkish hold’ implies that while the cash rate might remain unchanged, the accompanying statement from the RBA will likely convey a strong bias towards further tightening if inflationary pressures do not subside. This communication strategy is designed to keep financial conditions tight and temper inflation expectations without necessarily delivering another rate hike immediately. Investors, including those in the crypto space, pay close attention to such nuances, as they signal future policy direction and risk appetite. Key Considerations for the November Meeting: Sticky Inflation: The primary driver behind the hawkish sentiment. Labor Market Resilience: A strong jobs market provides the RBA with flexibility to tighten. Global Economic Headwinds: The RBA must balance domestic conditions with international developments. Forward Guidance: The language used in the official statement will be crucial for market interpretation. The Stubborn Reality of Australian Inflation: Q3 Data Deep Dive The latest inflation figures from Australia’s third quarter have been the primary catalyst for the shift in market expectations. The data revealed that inflation is proving to be more persistent than anticipated, particularly in key sectors. This ‘stickiness’ has challenged the RBA’s previous narrative that inflation was on a clear path back to the target range of 2-3%. Let’s look at some of the key components that contributed to this elevated Australian inflation: Inflation Component Q3 Performance (indicative) Impact on RBA Decision Services Inflation Remained elevated, especially in areas like rents, insurance, and utilities. Suggests underlying domestic demand pressures are strong, requiring sustained vigilance. Goods Inflation Showed some signs of easing but still above pre-pandemic levels. Supply chain improvements are helping, but domestic pricing power remains a concern. Wage Growth Continued to accelerate, albeit gradually, contributing to services inflation. A critical factor for the RBA, as sustained wage growth can fuel a wage-price spiral. Fuel Prices Recent spikes added to headline inflation pressures. Volatile, but can influence consumer expectations and broader price setting. The challenge for the RBA is that while some global factors influencing inflation are easing, domestic demand and services inflation remain robust. This suggests that the economy might still be running ‘too hot,’ necessitating a cautious approach to monetary policy. Decoding the Monetary Policy Stance: Why a Hawkish Hold? The decision to opt for a ‘hawkish hold’ is a strategic one, aimed at threading the needle between over-tightening and under-tightening. Given the persistent inflation, a direct rate hike would send a strong signal, but it also carries the risk of pushing the economy into a deeper slowdown than intended. Conversely, a dovish pause, or even a neutral one, might be misinterpreted by markets as a sign of complacency, potentially reigniting inflationary expectations. Reasons for a Hawkish Hold: Inflationary Pressure: As discussed, Q3 inflation data highlights that price pressures are not dissipating as quickly as hoped, particularly in the services sector. Maintaining Credibility: The RBA needs to demonstrate its commitment to bringing inflation back to target. A hawkish tone reinforces this commitment. Data Dependency: By holding rates but maintaining a hawkish bias, the RBA keeps its options open, allowing it to react swiftly to incoming data without committing to a definitive path. Global Context: Other major central banks, like the Federal Reserve and the European Central Bank, are also navigating similar challenges, and the RBA’s stance needs to align with global trends to manage currency stability. This approach allows the RBA to continue assessing the lagged effects of previous rate hikes while signalling that the fight against inflation is far from over. It’s a balancing act that requires clear communication to guide market expectations effectively. Impact on the Economic Outlook Australia: What Lies Ahead? The RBA’s monetary policy decisions have profound implications for the broader economic outlook Australia. A hawkish hold, combined with sticky inflation, paints a picture of continued economic uncertainty, where growth might be subdued while living costs remain elevated. Potential Impacts on the Australian Economy: Consumer Spending: Higher interest rates, even if paused, mean higher borrowing costs for mortgages and other loans, which can dampen consumer spending and confidence. Business Investment: Businesses may defer investment decisions in an environment of high interest rates and uncertain demand, potentially slowing job creation. Housing Market: While the housing market has shown some resilience, sustained high rates could put renewed pressure on affordability and prices. Exchange Rate: A hawkish RBA could support the Australian Dollar (AUD), making imports cheaper but potentially impacting export competitiveness. Inflation Path: The ultimate goal is to guide inflation back to the target. The success of the RBA’s policy will be measured by its ability to achieve this without triggering a severe recession. For investors, particularly those looking at the crypto market, Australia’s economic health offers insights into broader global sentiment. A strong, stable economy with contained inflation is generally more conducive to risk-on assets, whereas persistent inflation and aggressive central bank action can lead to increased volatility. Navigating Market Reactions: Implications of a Hawkish Hold How will financial markets react to a hawkish hold from the RBA? The immediate response often involves movements in the Australian Dollar (AUD), bond yields, and equity markets. For crypto investors, these traditional market reactions are important barometers of overall risk sentiment. Expected Market Reactions: Australian Dollar (AUD): A hawkish tone might provide some support for the AUD, as it signals the potential for future rate hikes, making the currency more attractive to yield-seeking investors. However, if global risk aversion dominates, this support could be limited. Bond Yields: Australian government bond yields are likely to remain elevated or even rise, reflecting expectations of higher-for-longer interest rates. This impacts borrowing costs across the economy. Equity Markets: Australian equities, particularly interest-rate sensitive sectors, might face headwinds as higher borrowing costs and reduced consumer spending weigh on corporate earnings. However, resource stocks could benefit from global commodity demand. Cryptocurrency Markets: While not directly tied to the RBA, a hawkish hold contributes to a tighter global monetary environment. This generally translates to reduced liquidity and higher opportunity costs for holding non-yielding assets like cryptocurrencies. However, if the RBA’s stance is perceived as a credible step towards long-term economic stability, it could eventually foster a more favorable environment for risk assets once inflation is under control. It’s crucial for market participants to not just focus on the rate decision itself but also on the RBA’s forward guidance. Any hints about the likelihood of future hikes or the conditions under which they might occur will be heavily scrutinized. For instance, if the RBA explicitly states that ‘further tightening may be required,’ it sends a much stronger signal than a more ambiguous phrase. Challenges and Actionable Insights for Investors The current economic climate presents both challenges and opportunities. For the RBA, the challenge is to tame inflation without stifling economic growth. For investors, it’s about positioning portfolios to navigate this uncertainty. Challenges: Persistent Inflation: Erodes purchasing power and can lead to policy overshoots. Interest Rate Volatility: Can impact borrowing costs and asset valuations. Global Economic Slowdown: External factors can weigh on Australia’s export-dependent economy. Policy Uncertainty: Shifting central bank narratives can create market choppiness. Actionable Insights: Diversify Portfolios: Consider a mix of assets that can perform in different economic scenarios. Monitor Central Bank Communications: Pay close attention to statements from the Reserve Bank of Australia, particularly speeches by Governor Michele Bullock, for clues on future policy. Understand Inflation Drivers: Differentiate between global and domestic inflationary pressures to anticipate policy responses. Risk Management: In an environment of higher interest rates, leverage can become more expensive and riskier. Review your risk exposure, especially in volatile assets like cryptocurrencies. Long-Term Perspective: While short-term volatility is likely, focus on the long-term fundamentals of your investments. Frequently Asked Questions (FAQs) Q1: What is a ‘hawkish hold’ in the context of central banking? A ‘hawkish hold’ refers to a situation where a central bank, such as the Reserve Bank of Australia, decides to keep its benchmark interest rate unchanged, but accompanies this decision with a statement that signals a strong inclination towards future rate hikes if inflation does not subside. It’s a way to maintain pressure on inflation without immediately increasing borrowing costs. Q2: How does Q3 Australian inflation data influence the RBA’s decision? The Q3 Australian inflation data showed that price pressures were more persistent than expected, particularly in services. This ‘sticky’ inflation challenged the RBA’s previous projections, making a ‘hawkish hold’ or even a rate hike more likely. The data from the Australian Bureau of Statistics is a primary input for the RBA’s monetary policy deliberations. Q3: What are the main tools the RBA uses for monetary policy? The RBA’s primary tool for monetary policy is the cash rate target. By adjusting this rate, it influences interest rates throughout the economy, affecting borrowing, lending, and investment decisions. Other tools include open market operations and forward guidance through official statements and speeches by the Governor, currently Michele Bullock. Q4: How might a ‘hawkish hold’ impact the economic outlook Australia? A ‘hawkish hold’ suggests that the RBA remains concerned about inflation, which could lead to a prolonged period of higher interest rates. This can temper consumer spending, business investment, and potentially slow economic growth. Major banks like Commonwealth Bank of Australia and Westpac often provide their own forecasts based on such policy signals. Q5: Is a ‘hawkish hold‘ positive or negative for the Australian Dollar (AUD)? A ‘hawkish hold‘ is generally seen as positive for the Australian Dollar (AUD) in the short term. It signals that the RBA is prepared to tighten policy further if needed, making Australian assets potentially more attractive to foreign investors seeking higher yields. However, global risk sentiment and other macroeconomic factors can also influence AUD movements. Conclusion: Navigating the RBA’s Prudent Path The RBA’s November meeting is set to be a pivotal moment, with a ‘hawkish hold’ likely to be the chosen path. This strategy reflects the central bank’s delicate balancing act: acknowledging persistent Australian inflation while assessing the lagged effects of previous tightening. For investors across all asset classes, including the dynamic world of cryptocurrencies, understanding this nuanced monetary policy stance is key to navigating the evolving economic outlook Australia. The RBA’s commitment to price stability, even through a ‘hawkish hold‘, underpins the long-term health of the Australian economy, and its implications resonate far beyond its borders. Staying informed and agile will be crucial in the months ahead. To learn more about the latest Forex market trends, explore our article on key developments shaping interest rates and economic stability. This post RBA’s Crucial Dilemma: Navigating Australian Inflation with a Hawkish Hold first appeared on BitcoinWorld.

Author: Coinstats

2025/11/03

The Best Event x UNTOLD Dubai: Where Tech and Culture Collide A New Era Begins

The Best Event x UNTOLD Dubai: Where Tech and Culture Collide A New Era Begins

The Best Event joins UNTOLD Dubai to launch a tech-culture stage blending Web3, AI, and music at Dubai Parks & Resorts, November 6–10, 2025.

Author: Blockchainreporter

2025/11/03

DustyBC Crypto Reviews Bitcoin Hyper, New BTC Layer-2

DustyBC Crypto Reviews Bitcoin Hyper, New BTC Layer-2

The crypto market is entering a pivotal week as November begins, with multiple factors set to influence investor sentiment and trading activity. Bitcoin is currently hovering around $110K after a brief dip. Positive news, such as the temporary trade agreement between the US and China, has eased tensions and boosted optimism for global markets, encouraging […]

Author: The Cryptonomist

2025/11/03

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