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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.

14585 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Ripple Launches Native Lending Protocol for XRP Ledger

Ripple Launches Native Lending Protocol for XRP Ledger

TLDR Ripple launches native lending protocol for XRP Ledger in Version 3.0.0 later this year XRPL surpasses $1 billion monthly stablecoin volume and ranks in top 10 for real-world assets New protocol offers pooled lending and underwritten credit directly on the ledger Zero-knowledge proofs planned for Q1 2026 to provide privacy while maintaining compliance Multi-Purpose [...] The post Ripple Launches Native Lending Protocol for XRP Ledger appeared first on CoinCentral.

Author: Coincentral

2025/09/23

Bitcoin Holds ~$112,900 as Ethereum, Solana, and Altcoins Drop More Than 6%

Bitcoin Holds ~$112,900 as Ethereum, Solana, and Altcoins Drop More Than 6%

Bitcoin remains steady around $112,900 while Ethereum, Solana, and other altcoins experience a sharp decline of over 6%, signaling increased market volatility and shifting investor sentiment.

Author: Cryptodaily

2025/09/23

Ripple bets big on stablecoins and RWAs as XRPL tops $1B

Ripple bets big on stablecoins and RWAs as XRPL tops $1B

The post Ripple bets big on stablecoins and RWAs as XRPL tops $1B appeared on BitcoinEthereumNews.com. Ripple, the firm that offers its users a blockchain-based digital payment network, has shifted its focus towards stablecoins and tokenized real-world assets (RWAs)  as a strategy for the XRP Ledger’s Institutional DeFi Plan. Notably, recent reports have revealed that the XRP Ledger (XRPL) has exceeded $1 billion in stablecoin transactions within one month. Additionally, it secured a position in the top ten chains for RWA activity, increasing its importance in institutional adoption. Ripple stated that tokenized assets and stablecoins are no longer viewed as just experiments. According to its roadmap, they are becoming crucial tools for fintech firms, asset managers, and banks.   In the meantime, the company has made public its intention to establish XRPL as the foundation for issuing, trading, and managing these assets on a large scale. Ripple implements several developments in its operation  The native lending protocol is a significant feature that will be launched soon with XRPL version 3.0.0, marking a significant milestone in the crypto ecosystem, directly enabling pooled lending and underwritten credit on the ledger. This protocol was developed to offer affordable loans while strictly adhering to the regulations. Under it, institutions will acquire funding more easily while following KYC and AML requirements. Concerning Ripple’s recent milestone, the firm had showcased payments for stablecoin transfers, demonstrating real developments in settlement technology. Apart from the native lending protocol, compliance tools are another crucial aspect. Ripple has reportedly introduced credentials that relate to decentralized identifiers, globally unique identifiers that enable an entity to be identified in a verifiable manner. This, therefore, grants Ripple’s trusted issuers the ability to verify their accreditation level or KYC status. The Deep Freeze tool, on the other hand, will enable issuers on the XRP Ledger to avoid carrying out operations on flagged accounts. Other features, such as Permissioned DEXs and Token…

Author: BitcoinEthereumNews

2025/09/23

Vietnam Embraces Cryptocurrency with Launch of Regulated Market

Vietnam Embraces Cryptocurrency with Launch of Regulated Market

Vietnam has launched a pilot program to regulate its burgeoning crypto market. The five-year initiative aims to bring the country's estimated US$100 billion crypto trading industry under official oversight, a significant shift from its previously prohibitive.

Author: Blockhead

2025/09/23

Ripple focuses on tokenization and stablecoins in the XRP ledger’s institutional DeFi plan

Ripple focuses on tokenization and stablecoins in the XRP ledger’s institutional DeFi plan

Ripple focuses on tokenization and stablecoins in the XRP ledger’s institutional DeFi plan.

Author: Cryptopolitan

2025/09/23

Midas Partners with Hyperithm and Axelar to Launch $mXRP for DeFi Yield

Midas Partners with Hyperithm and Axelar to Launch $mXRP for DeFi Yield

With the release of $mXRP in collaboration with Hyperithm and Axelar, Midas now intends to make idle $XRP a productive cryptocurrency asset.

Author: Blockchainreporter

2025/09/23

Validator Migration Deadline Nears as New Investment Product Debuts

Validator Migration Deadline Nears as New Investment Product Debuts

The post Validator Migration Deadline Nears as New Investment Product Debuts appeared on BitcoinEthereumNews.com. Blockchain 23 September 2025 | 07:30 Operators on the XRP Ledger are being pressed to update their systems as the network transitions from the old XRPL Foundation – now rebranded as the Inclusive Financial Technology Foundation – to the newly established XRPL Foundation. The change involves the default Unique Node List (dUNL), a roster of trusted validators that helps maintain consensus on the network. Validators still connected to the outdated list risk losing connectivity as early as September 30, 2025, when support for the old configuration begins winding down. By January 18, 2026, the deprecated list will expire entirely, leaving any unpatched nodes unable to rely on the XRPL Foundation’s validator set. Community validator Vet highlighted the urgency on X, warning that the first cutoff is only days away. Without action, operators depending solely on the old list could see their nodes disrupted or disconnected from the ledger. DeFi Expansion: New XRP Yield Token Launches At the same time, a new development is reshaping the XRP ecosystem. Axelar Network and Midas, working with Interop Labs, have introduced mXRP – a liquid staking token designed to generate up to 10% APY for holders. Built on the XRP Ledger’s new EVM-compatible sidechain, mXRP uses audited smart contracts to enable XRP-denominated yield strategies. Assets are bridged into the protocol through Axelar, which connects to more than 80 blockchains. That interoperability gives XRP holders a path to deploy capital across DeFi ecosystems while still earning a base yield. Developers hope the token will “kickstart” DeFi activity on XRPL, where yields on lending platforms have historically been less than 1%. By aggregating yield from multiple strategies, mXRP aims to position itself as the highest-returning XRP product on the market. The information provided in this article is for educational purposes only and does not constitute financial,…

Author: BitcoinEthereumNews

2025/09/23

XRP News: Validator Migration Deadline Nears as New Investment Product Debuts

XRP News: Validator Migration Deadline Nears as New Investment Product Debuts

The change involves the default Unique Node List (dUNL), a roster of trusted validators that helps maintain consensus on the […] The post XRP News: Validator Migration Deadline Nears as New Investment Product Debuts appeared first on Coindoo.

Author: Coindoo

2025/09/23

Cryptocurrency in Finance: Unlocking Its Inevitable Place in Traditional Banking

Cryptocurrency in Finance: Unlocking Its Inevitable Place in Traditional Banking

BitcoinWorld Cryptocurrency in Finance: Unlocking Its Inevitable Place in Traditional Banking The financial world is undergoing a seismic shift, and at its epicenter is the evolving role of cryptocurrency in finance. Institutions are no longer just observing; they are actively strategizing. Hyundai Card, a leading South Korean financial services provider, offers a fascinating glimpse into this transformation, signaling an inevitable future where digital assets seamlessly integrate with traditional financial systems. The Shifting Landscape: Why Cryptocurrency in Finance is Gaining Traction Hyundai Card is proactively adapting to the rapid evolution of digital assets. Their internal innovation strategy, built around a robust private cloud infrastructure, is a direct response to the growing influence of stablecoins and the accelerated adoption of artificial intelligence. This strategic pivot highlights a crucial understanding: the future of finance is inherently digital. Vice Chairman Chung Tae-young, a prominent figure at Hyundai Card, unequivocally states that cryptocurrency in finance, including stablecoins, will eventually secure a definitive place within the traditional financial sector. This isn’t just speculation; it’s a vision rooted in anticipating market shifts. Stablecoins are digital currencies pegged to stable assets like fiat money (e.g., USD) or commodities. They aim to minimize price volatility, making them attractive for transactions and a bridge between traditional and decentralized finance. Artificial Intelligence (AI) is enhancing capabilities across all financial operations, from fraud detection to personalized services, and its integration with blockchain systems promises even greater efficiencies. Navigating the ‘Uneasy Exploratory Phase’ for Cryptocurrency in Finance While the long-term vision for cryptocurrency in finance is clear, Chung acknowledges the current market reality. He describes it as an “uneasy exploratory phase,” where many participants are still operating without a well-defined strategy. This phase is characterized by: Uncertainty: Regulatory frameworks are still developing globally, leading to hesitation among traditional players. Complexity: The underlying technology, while powerful, can be intimidating without proper understanding. Volatility: While stablecoins address this for transactional purposes, the broader crypto market remains volatile, impacting investment decisions. Chung emphasizes that what truly matters is not grand, speculative gestures, but a fundamental understanding and hands-on experience with cryptocurrency and blockchain systems. This insight is critical for any institution looking to navigate the digital asset space effectively. Actionable Insights: Preparing for Cryptocurrency in Finance Integration For financial institutions, embracing cryptocurrency in finance requires a strategic, two-pronged approach: 1. Cultivating Fundamental Understanding This goes beyond surface-level knowledge. It involves delving into: Blockchain Technology: Understanding how distributed ledgers work, their security features, and various consensus mechanisms. Tokenomics: Grasping the economic models behind different cryptocurrencies and stablecoins. Use Cases: Identifying practical applications for digital assets within existing financial services, such as cross-border payments, asset tokenization, or lending. 2. Gaining Hands-On Experience Theoretical knowledge must be complemented by practical engagement. This could involve: Pilot Programs: Launching small-scale internal projects to test blockchain solutions or stablecoin applications. R&D Investments: Dedicating resources to research and develop proprietary crypto-related technologies. Strategic Partnerships: Collaborating with established blockchain firms or fintech innovators to leverage their expertise. By taking these steps, traditional finance can proactively shape its role in the emerging digital economy, turning potential challenges into significant opportunities for growth and innovation. The Future of Cryptocurrency in Finance: An Inevitable Convergence? Chung Tae-young’s conviction underscores a growing sentiment among forward-thinking financial leaders. The integration of cryptocurrency in finance isn’t a question of “if,” but “when” and “how.” This convergence promises several benefits: Enhanced Efficiency: Blockchain can streamline operations, reduce settlement times, and lower transaction costs. New Revenue Streams: Digital asset services, custody solutions, and tokenized securities can open up novel business models. Global Accessibility: Cryptocurrencies can facilitate broader financial inclusion and seamless international transactions. Institutions like Hyundai Card, by focusing on robust infrastructure and deep practical knowledge, are positioning themselves at the forefront of this financial revolution. Their proactive stance demonstrates a commitment to not just survive, but thrive, in a world increasingly shaped by digital assets. In conclusion, the journey of cryptocurrency in finance is progressing from an uncertain exploration to an inevitable integration. Hyundai Card’s strategic foresight and emphasis on fundamental understanding coupled with hands-on experience offer a compelling blueprint for how traditional financial institutions can successfully adapt and innovate. The future is digital, and those who prepare now will undoubtedly lead the way. Frequently Asked Questions (FAQs) What is Hyundai Card’s main strategy concerning digital assets? Hyundai Card is focusing on an internal innovation strategy centered on its private cloud infrastructure to adapt to the spread of stablecoins and the accelerated adoption of artificial intelligence. Why does Vice Chairman Chung Tae-young believe cryptocurrency will find its place in finance? Chung Tae-young believes that cryptocurrencies, including stablecoins, will eventually integrate into the traditional financial sector because of their inherent value proposition and the ongoing digital transformation of finance. What does Chung mean by the “uneasy exploratory phase” for the crypto market? This phase refers to the current state where many participants are operating without a clear, long-term strategy, navigating uncertainties like evolving regulations, market volatility, and the complexity of the underlying technology. How can financial institutions effectively prepare for cryptocurrency integration? Institutions should focus on cultivating a fundamental understanding of blockchain technology and tokenomics, and gain hands-on experience through pilot programs, R&D investments, or strategic partnerships. What are stablecoins, and why are they relevant to traditional finance? Stablecoins are cryptocurrencies designed to maintain a stable value, often pegged to fiat currencies. They are relevant to traditional finance as they offer a less volatile digital asset for transactions, bridging traditional and decentralized financial systems. Did this article shed light on the exciting future of cryptocurrency in finance? Share your thoughts and this article with your network on social media to spark further discussion about how digital assets are reshaping our financial world! To learn more about the latest crypto market trends, explore our article on key developments shaping cryptocurrency institutional adoption. This post Cryptocurrency in Finance: Unlocking Its Inevitable Place in Traditional Banking first appeared on BitcoinWorld.

Author: Coinstats

2025/09/23

Synthetix to launch first perps DEX on Ethereum mainnet

Synthetix to launch first perps DEX on Ethereum mainnet

The post Synthetix to launch first perps DEX on Ethereum mainnet appeared on BitcoinEthereumNews.com. Synthetix is set to launch the first perpetual decentralized exchange on Ethereum mainnet in Q4 2025, kicking off with a $1 million trading competition. Summary Synthetix to launch first perpetual DEX on Ethereum mainnet in Q4 2025. Traders can use sUSDe, wstETH, and cbBTC as multi-collateral margin. Launch begins with a $1M trading competition starting in October. Synthetix is preparing to launch the first perpetuals exchange on Ethereum mainnet, starting with a trading competition that offers a $1 million prize. On Sept. 22, 2025, Synthetix Network (SNX) announced plans for its competition and upcoming perpertual DEX, which will feature gasless trading, zero settlement costs, and multi-collateral margin.  Traders will be able to use assets like Ethena’s sUSDe, Lido’s wstETH, and Coinbase’s cbBTC as margin to produce yield while trading. This model makes use of Ethereum’s (ETH) extensive liquidity, which presently totals more than $90 billion across its liquidity, staking, and lending pools. Multi-collateral margin and strategies The mainnet launch introduces multi-collateral margin, letting traders post portfolios of assets, including yield-bearing collateral, without selling them. This enables users to earn funding or staking yields, keep exposure to ETH or BTC, and avoid triggering taxable events when opening perp positions. Synthetix expects that this design will increase the efficiency and profitability of arbitrage strategies such as basis trading. For example, traders can deposit wstETH, short ETH perps in equal size, and benefit from staking rewards and positive funding payments. By enabling these setups directly on Ethereum, Synthetix removes the need for bridging and expands composability with decentralized finance protocols like Aave. Synthetix trading competition details Starting in October, Synthetix will hold a one-month trading competition prior to launch, with 100 traders chosen from among Kwenta point holders, top users, and pre-depositors. Using seeded margin capital, competitors will compete in well-known markets like…

Author: BitcoinEthereumNews

2025/09/23

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