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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.

15263 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
JPMorgan to Let Clients Use Bitcoin and Ethereum as Collateral for Loans: Report

JPMorgan to Let Clients Use Bitcoin and Ethereum as Collateral for Loans: Report

The post JPMorgan to Let Clients Use Bitcoin and Ethereum as Collateral for Loans: Report appeared on BitcoinEthereumNews.com. JPMorgan Chase & Co. is reportedly working to allow its institutional clients to use Bitcoin and Ethereum as collateral for loans, marking one of the most direct integrations of crypto assets into Wall Street’s credit systems to date. The program, expected to launch by the end of 2025, will rely on a third-party custodian to hold the pledged tokens, per a Bloomberg report hours before the Friday opening bell. JPMorgan shares nudged 0.18% in pre-market trading at $294.93. Under the reported framework, clients could post crypto held by an approved custodian against credit lines or structured loans, allowing banks to manage exposure without directly taking custody of digital assets. It builds on JPMorgan’s earlier decision in June to accept crypto exchange-traded funds (ETFs) as collateral, extending that policy from derivatives and fund shares to the underlying assets themselves. Decrypt has reached out to JPMorgan to ask whether the program is already live or still in development, and how the bank plans to manage custody, valuation, and risk for crypto used as loan collateral, and will update this article should the bank respond. By the rules Once live, the program could position Bitcoin and Ethereum within the same collateral ecosystem as traditional investment instruments like Treasuries, gold, or equities, though with higher volatility and risk. But JPMorgan’s move could be “more about inevitability” given that it wasn’t as welcoming to crypto before, Samuel Patt, co-founder at Bitcoin metaprotocol OP_NET, told Decrypt. Patt noted a “fundamental tension” at work, in which Bitcoin, for one, was built “to remove counterparty risk, not be rehypothecated inside the same system it was meant to disrupt.”  “The more financial institutions integrate Bitcoin, the more they’ll have to learn to play by its rules, not the other way around,” Patt said. When banks move to accept…

Author: BitcoinEthereumNews

2025/10/25

Flare CEO: 40 Million XRP Bridged Marks Start of Big DeFi Surge

Flare CEO: 40 Million XRP Bridged Marks Start of Big DeFi Surge

TLDR Flare CEO Hugo Philion announced that 40 million XRP have been successfully bridged to the Flare blockchain. The 40 million XRP, valued at $96 million, marks a major milestone for both Flare and the XRP ecosystem. Flare has now become the largest XRP DeFi project, with a significant increase in FXRP demand. Users have [...] The post Flare CEO: 40 Million XRP Bridged Marks Start of Big DeFi Surge appeared first on CoinCentral.

Author: Coincentral

2025/10/25

ASTER, KASPA, And Paydax: These Altcoins Are Perfect Hedges Against Donald Trump’s 100% Tariffs On China

ASTER, KASPA, And Paydax: These Altcoins Are Perfect Hedges Against Donald Trump’s 100% Tariffs On China

As Donald Trump’s 155% China tariffs prepare to take effect on November 1st, the entire altcoin market braces for impact. […] The post ASTER, KASPA, And Paydax: These Altcoins Are Perfect Hedges Against Donald Trump’s 100% Tariffs On China appeared first on Coindoo.

Author: Coindoo

2025/10/25

Crypto Millionaires Are Giving Cardano (ADA) the Cold Shoulder and Buying This Token at Just $0.035, But Why

Crypto Millionaires Are Giving Cardano (ADA) the Cold Shoulder and Buying This Token at Just $0.035, But Why

As the crypto market grows, even long-time Cardano (ADA) supporters are beginning to pivot toward newer opportunities with stronger upside potential and real-world use cases. While ADA consolidates below key resistance levels, a new DeFi crypto, Mutuum Finance (MUTM), is quickly emerging as a top contestant for the next crypto to hit $1.  Going for […]

Author: Cryptopolitan

2025/10/25

Q4 Crypto Outlook: LivLive, Ethereum, and Uniswap Shine as Analysts Call Them the Top Cryptos for Massive Returns

Q4 Crypto Outlook: LivLive, Ethereum, and Uniswap Shine as Analysts Call Them the Top Cryptos for Massive Returns

LivLive presale hits $2M, with analysts ranking it among the top cryptos for massive returns alongside Ethereum and Uniswap.

Author: Blockchainreporter

2025/10/25

JPMorgan to Enable Bitcoin and Ethereum as Collateral

JPMorgan to Enable Bitcoin and Ethereum as Collateral

The post JPMorgan to Enable Bitcoin and Ethereum as Collateral appeared on BitcoinEthereumNews.com. JPMorgan Chase will allow institutional clients to use their Bitcoin and Ethereum holdings as collateral for loans, Bloomberg reported, citing sources familiar with the plan. The program is expected to roll out by the end of 2025 and will operate globally. The pledged digital assets will be stored with a third-party custodian, whose name has not yet been disclosed. JPMorgan already accepts cryptocurrency ETFs as collateral, and industry observers say this move is a natural evolution of the bank’s digital-asset strategy. The institution has not issued an official comment on the upcoming launch. A Symbolic Shift on Wall Street The step is being described as both symbolic and practical for JPMorgan. CEO Jamie Dimon, once a vocal Bitcoin critic who dismissed it as a “PR scam” increasingly acknowledges the asset class as something institutional clients now demand. Morgan Stanley is preparing to offer cryptocurrency access to E*Trade users, while Fidelity, State Street, and BNY Mellon have already launched digital-asset custody services for institutional investors. Analysts say the trend reflects a shift from skepticism to structured adoption across global finance. How Other Major Banks Are Implementing Crypto Strategies While JPMorgan moves into crypto-backed lending, other global institutions are expanding in parallel directions. Goldman Sachs has restarted its crypto trading desk and is exploring tokenization initiatives for institutional products. Deutsche Bank is developing regulated custody services for digital assets in Europe, aiming to support both private funds and corporations. Meanwhile, HSBC and UBS are focusing on blockchain-based settlement solutions rather than direct crypto exposure, signaling that every bank is choosing its own lane — but all are moving in the same overall direction. Together, these efforts show that crypto is no longer an experiment on the sidelines. Instead, it is becoming a competitive requirement for major banks, especially as institutional clients demand…

Author: BitcoinEthereumNews

2025/10/25

Token Arrival Delayed, US App Still Takes Priority

Token Arrival Delayed, US App Still Takes Priority

Polymarket, a prominent player in the prediction market sector, has announced plans to introduce its own native token. However, the company’s immediate focus is on launching its US-based app, a move driven by regulatory challenges and high consumer demand. The platform’s recent funding success and strategic partnerships signal its expanding influence within the growing digital [...]

Author: Crypto Breaking News

2025/10/25

JPMorgan Enables Bitcoin Collateral for Clients, Signaling Potential Crypto Legitimacy Boost

JPMorgan Enables Bitcoin Collateral for Clients, Signaling Potential Crypto Legitimacy Boost

The post JPMorgan Enables Bitcoin Collateral for Clients, Signaling Potential Crypto Legitimacy Boost 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 → JPMorgan’s recent decision to accept Bitcoin and Ethereum as collateral for institutional clients marks a significant step in legitimizing cryptocurrency within traditional banking. This move provides liquidity access using digital assets, boosting industry credibility amid growing financial integration. JPMorgan enables Bitcoin and Ethereum as collateral for liquidity This policy shift signals broader crypto acceptance by major banks Former MicroStrategy CEO Michael Saylor urges proactive Bitcoin investment JPMorgan cryptocurrency collateral acceptance opens new doors for institutional investors. Discover how this U-turn impacts Bitcoin legitimacy and what it means for your portfolio—stay ahead in the evolving digital asset landscape. What is JPMorgan’s New Policy on Cryptocurrency Collateral? JPMorgan cryptocurrency collateral now includes Bitcoin and Ethereum for its institutional clients seeking liquidity. This policy allows these leading digital assets to back loans, providing a practical bridge between traditional finance and crypto markets. The change reflects evolving regulatory views and client demands for integrated services. How Has Jamie Dimon Responded to Bitcoin Developments? Jamie Dimon, JPMorgan’s CEO, has maintained a cautious stance on Bitcoin despite the bank’s progressive moves. In recent statements, he…

Author: BitcoinEthereumNews

2025/10/25

Wall Street Giant JPMorgan to Let Institutions Borrow Against Bitcoin and Ethereum Holdings

Wall Street Giant JPMorgan to Let Institutions Borrow Against Bitcoin and Ethereum Holdings

Wall Street giant JPMorgan Chase & Co. plans to allow institutional clients to borrow against their Bitcoin and Ethereum holdings, according to Bloomberg reports. The $4 trillion institutional asset manager announced that it will allow clients to use BTC and ETH directly as collateral for loans by the end of 2025. The program, available globally, will use a third-party custodian to secure the pledged tokens, according to sources familiar with the matter. https://twitter.com/EricBalchunas/status/1981688091086840076 This move builds on a June announcement, in which Cryptonews reported that JPMorgan would test crypto collateral loans with BlackRock’s iShares Bitcoin Trust (IBIT), with plans to expand access to other funds after launch. JPMorgan Bank Plans to Accept Bitcoin and Ethereum as Loan Collateral JPMorgan has already begun integrating crypto into its core lending operations. In September, Cryptonews reported that Trimont LLC, a commercial real estate loan servicer managing roughly $730 billion in assets, began using JPMorgan’s Kinexys Digital Payments network. The system streamlines payment workflows by identifying incoming payments, verifying amounts, and distributing funds to lenders. Tasks that previously took up to two days can now be completed in minutes. Earlier this year, JPMorgan began accepting crypto-linked ETFs as collateral. The new program allows clients to pledge the cryptocurrencies themselves rather than ETF shares. JPMorgan also launched its digital deposit token, “JPMD,” on Coinbase’s Base network following a June 15 trademark application. JPMD is fully backed one-to-one by U.S. dollars and is available to institutional clients only. By July, JPMorgan had started testing a blockchain-based platform for carbon credits through Kinexys, developed with S&P Global Commodity Insights, EcoRegistry, and the International Carbon Registry. https://twitter.com/cryptonews/status/1980950744850477245 A recent regulatory change has also allowed firms like BlackRock to accept investors’ Bitcoin and swap it for ETF shares tracking the token. Aside from BTC and ETH-backed collaterals, the U.S. Commodity Futures Trading Commission (CFTC) unveiled an initiative to let stablecoins like USDT and USDC serve as tokenized collateral in derivatives markets. Acting CFTC chair Caroline Pham announced on September 23 that the agency would “work closely with stakeholders” on the directive, calling it the “killer app” to modernize markets by adopting non-cash collateral. Why Institutions Are Rushing Into BTC Loans In an exclusive interview with John Glover, Ledn’s CIO, Cryptonews asked how the demand for Bitcoin-backed loans has evolved over the past few years, and what key trends or factors influenced this change. John Glover responded that the most fundamental factor over the past few years has been a major shift in public perception of cryptocurrencies as a legitimate financial instrument. “The current bull run, coupled with the new administration in the U.S., which is much more pro-crypto than the previous one, and the continued influx of institutional capital and the approval of Bitcoin ETFs, have massively legitimized digital assets,” he said. As a result, with Bitcoin being the biggest, most recognizable, and most secure crypto, it’s natural that demand for BTC-backed loans continues to grow across the board. https://twitter.com/coinbase/status/1879902780564951530 He added that institutional investors play a major role in turning Bitcoin-backed loans into a legitimate financial instrument. Additionally, JPMorgan began exploring lending against Bitcoin in 2022, but the project was later shelved, said the sources, who asked not to be named because the bank’s plan is not yet public. Since then, client demand for cryptocurrency support across Wall Street has spiked as the market has grown and regulations have eased. Other major financial firms have also been accelerating similar offerings, and regulators’ evolving stance has helped clear a path. Morgan Stanley, State Street, BNY Mellon, and Fidelity have recently expanded their crypto custody, trading, and product lines. Meanwhile, legislative moves in the U.S., including work on a crypto markets structure bill, have reduced some compliance friction for banks weighing crypto exposure

Author: CryptoNews

2025/10/25

WLFI Jumps on CZ Pardon; Morpho and SPX6900 Climb While Altcoin Season Index Stalls at 24

WLFI Jumps on CZ Pardon; Morpho and SPX6900 Climb While Altcoin Season Index Stalls at 24

Altcoin season has stayed constrained as the index holds near 24, keeping breadth thin. WLFI has risen on a policy headline linked to CZ, with volume up; Morpho has gained on consistent lending use; SPX6900 has firmed as meme activity has returned. Follow-through has depended on broader participation.

Author: Coinstats

2025/10/24

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