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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.

13955 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Adoption, Gas Usage And Price Trends

Adoption, Gas Usage And Price Trends

The post Adoption, Gas Usage And Price Trends appeared on BitcoinEthereumNews.com. Key takeaways: Web3 daily activity held steady at 24 million in Q2 2025, but sector composition is shifting. DeFi leads transaction counts with 240 million weekly, yet Ethereum gas usage is now dominated by the RWA, DePIN and AI. Smart contract platforms’ coins and yield-generating DeFi and RWA tokens outperform the market, while AI and DePIN lag despite strong narratives. Altcoins are more than speculative bets on coins outside Bitcoin. In most cases, they represent — or aim to represent — specific activity sectors within Web3, a decentralized alternative to the legacy internet and its services. Assessing the state and potential of the altcoin market means looking beyond prices. Key indicators such as gas usage, transaction counts and unique active wallets (UAW) help gauge activity and adoption, while coin price performance reveals whether markets follow onchain trends. AI and social DApps gain adoption UAW counts distinct addresses interacting with DApps, offering a proxy for adoption breadth, though multiple wallets per user and automated activity can skew results. DappRadar’s Q2 2025 report shows steady daily wallet activity at around 24 million. Yet a shift in sector dominance is emerging. Crypto gaming remains the largest category, with over 20% market share, though down from Q1. DeFi has also slipped, falling to less than 19% from over 26%. In contrast, Social and AI-related DApps are gaining traction. Farcaster leads Social with roughly 40,000 daily UAW, while in AI, agent-based protocols like Virtuals Protocol (VIRTUAL) are standing out, attracting 1,900 weekly UAW. DApp industry dominance by UAW. Source: DappRadar DeFi attracts big players Transaction counts show how often smart contracts are triggered, but can be inflated by bots or automation. DeFi’s transaction footprint is paradoxical. Its user base has declined, yet it still generates over 240 million weekly transactions — more than any other…

Author: BitcoinEthereumNews

2025/08/19

Solana (SOL) Price: SOL Surges 4.5% in 24hrs Yet Investors Favor Base Networks Biggest Meme Presale Token BlockSack

Solana (SOL) Price: SOL Surges 4.5% in 24hrs Yet Investors Favor Base Networks Biggest Meme Presale Token BlockSack

The crypto market is heating up again, with Ethereum (ETH) recently smashing through the $4,200 level for the first time since 2021.

Author: Cryptodaily

2025/08/19

Stablecoins Threaten to Disrupt U.S. Bank Deposits and Payments, Morningstar DBRS Warns

Stablecoins Threaten to Disrupt U.S. Bank Deposits and Payments, Morningstar DBRS Warns

Stablecoins have rapidly become a central pillar of the digital asset economy, now exceeding a combined market capitalization of $230 billion as of mid-2025, according to Morningstar DBRS. The market is led by Tether (USDT) and Circle (USDC), with other players including USDe, DAI, and FDUSD (see Exhibit 1). This growth has been fuelled by their stability — pegged to the U.S. dollar — and their ability to function as digital cash within the blockchain ecosystem. The passage of the first federal stablecoin legislation on July 17 has also accelerated adoption. With regulation in place, U.S. banks are beginning to explore launching their own stablecoins, notes the agency. “Stablecoins offer efficiency and innovation in the financial system, but they also pose both opportunities and risks for banks,” Morningstar DBRS analysts wrote in a report published Tuesday. How Stablecoins Work: Cheaper, Faster, Smarter Money Morningstar explains stablecoins are designed to combine the reliability of fiat currencies with the efficiency of blockchain. Unlike traditional payment rails — credit cards, ACH, or wire transfers — stablecoin transactions settle in seconds. “Stablecoins are programmable money,” Morningstar notes, highlighting their use in smart contracts that automatically execute financial operations. This has made them attractive for cross-border payments, e-commerce, and remittances. Major issuers like Tether, Circle, and PayPal back their coins with reserves of short-term U.S. Treasuries and cash equivalents, ensuring stability and redeemability. The efficiency advantage is stark: where wire transfers can cost up to $50 and take days to settle, stablecoins move instantly with negligible fees. This dynamic is drawing users away from banks’ legacy systems. Risks to U.S. Banks: Deposits and Payments at Stake Morningstar warns that the rise of stablecoins poses real risks to U.S. banks’ core business models. The most immediate concern is deposit flight. If consumers increasingly hold funds in stablecoins for rewards, convenience, or integration with decentralized finance, banks could lose the deposits that underpin their lending operations. According to the Bank for International Settlements, stablecoins still account for just 1.5% of total U.S. deposits, but growth is accelerating. “ A large-scale shift of funds from bank accounts into stablecoins could constrain banks’ ability to fund new loans or extend credit,” Morningstar analysts said. Banks also risk losing lucrative payment fees. Stablecoins bypass networks like ACH and SWIFT, enabling cheaper and faster transfers. As Exhibit 2 shows, the cost advantage is significant, threatening revenue from transaction services. Not All Bad News: A Path Forward for Banks Despite the risks, Morningstar highlights potential opportunities. Banks could leverage their regulatory credibility to serve as custodians of stablecoin reserves, manage U.S. Treasury holdings, and provide settlement and compliance infrastructure. These services could open new fee income streams. The newly passed GENIUS Act (Guiding and Establishing National Innovation for U.S. Stablecoins Act) sets capital and reserve requirements for issuers, creating a more level playing field. Some banks are considering launching their own fully backed stablecoins, integrated into existing compliance systems, to retain deposits and stay competitive. “Whether stablecoins ultimately represent an opportunity or a threat to U.S. banks will depend on regulatory design and market adoption,” Morningstar concludes.

Author: CryptoNews

2025/08/19

Cardano Trading Volume Drops 18%, But Unilabs Mining Fund Adds 2,000 Wallets In Under A Week

Cardano Trading Volume Drops 18%, But Unilabs Mining Fund Adds 2,000 Wallets In Under A Week

The Cardano price has dropped 18% as the ADA coin trading volume slows. Fewer investors are trading, and the market is quieter than before. Analysts say the token is seeing less short-term activity. Some traders are holding back, waiting to see if prices recover and others are cautious about entering the market. At the same [...] The post Cardano Trading Volume Drops 18%, But Unilabs Mining Fund Adds 2,000 Wallets In Under A Week appeared first on Blockonomi.

Author: Blockonomi

2025/08/19

Solana & Cardano Endorsers Flood Into Next 100x Crypto Presale

Solana & Cardano Endorsers Flood Into Next 100x Crypto Presale

Finding the next 100x crypto is every trader’s dream, but large-cap coins rarely deliver that level of upside. While giants like Solana (SOL) and Cardano (ADA) remain top choices for stability and adoption, many of their holders are now diversifying into early-stage projects with bigger growth potential. One name in particular—Layer Brett (LBRETT)—is gaining momentum, […] The post Solana & Cardano Endorsers Flood Into Next 100x Crypto Presale appeared first on Live Bitcoin News.

Author: LiveBitcoinNews

2025/08/19

Blockchain lending company Figure Technologies plans IPO, signaling the maturation of the tokenization industry.

Blockchain lending company Figure Technologies plans IPO, signaling the maturation of the tokenization industry.

PANews reported on August 19 that blockchain lending company Figure Technologies has submitted preliminary documents for an IPO and is expected to go public in 2025. The company reported a

Author: PANews

2025/08/19

Who’s Getting Rich Off The $100 Billion Crypto Treasury Boom

Who’s Getting Rich Off The $100 Billion Crypto Treasury Boom

The post Who’s Getting Rich Off The $100 Billion Crypto Treasury Boom appeared on BitcoinEthereumNews.com. From Anchorage Digital to BitGo and Morgan Stanley, a growing cast of financial firms are reaping big fees riding the tidal wave of corporate bitcoin buying. A record number of public companies are shoveling crypto onto their balance sheets—ostensibly to diversify their holdings, hedge against inflation and attract new investors. The unstated reason, of course, is management’s desire to boost their stock price. In recent months, just announcing a so-called “crypto treasury” strategy has been enough to add premiums to trading prices. The real bonanza however, is flowing to the picks-and-shovels merchants of this latest gold rush: custodians, brokers, asset managers and investment banks collecting fees on every trade, transfer and storage deal. Over the past six months, the trend has reached “fever pitch” and “has gone fully contagious,” says Nathan McCauley, cofounder and CEO of San Francisco-based Anchorage Digital. His crypto bank has already struck deals to oversee Trump Media’s $2 billion bitcoin treasury and a $760 million trove from Nakamoto Holdings, a bitcoin-focused company that recently announced a SPAC merger with KindlyMD, a tiny money losing Salt Lake City-based healthcare operation whose stock languished at under $2 per share before the May press release. Today, KindlyMD’s Nakamoto, whose name pays homage to Bitcoin’s pseudonymous founder, Satoshi Nakamoto, is listed as NAKA on the NASDAQ. Its shares sell for $15, giving it a market cap of $114 million. A year ago, a small group of corporate buyers collectively held just over 416,000 bitcoin. Today, no less than 152 publicly traded companies control over 950,000 coins worth over $110 billion, according to Bitcoin Treasuries.net. The undisputed whale in the group is still billionaire Michael Saylor’s Strategy, the company that pioneered the corporate crypto playbook, leaning heavily on creative financing from convertible notes to variable-rate perpetual preferred stock. Strategy Inc., which…

Author: BitcoinEthereumNews

2025/08/19

ChatGPT-5 Picks The Meme Coin Most Likely To Replicate Shiba Inu’s (SHIB) Legendary 2021 Rally

ChatGPT-5 Picks The Meme Coin Most Likely To Replicate Shiba Inu’s (SHIB) Legendary 2021 Rally

ChatGPT-5 tips Layer Brett ($LBRETT) as the meme coin most likely to replicate Shiba Inu’s 2021 rally, combining meme power with Ethereum Layer 2 utility.

Author: Blockchainreporter

2025/08/19

Is Layer Brett The Next 100x Meme Coin? 3 Reasons It’s Set To Be As Big As Shiba Inu and Pepe

Is Layer Brett The Next 100x Meme Coin? 3 Reasons It’s Set To Be As Big As Shiba Inu and Pepe

He was stuck on Base, but now Brett’s breaking chains on Layer 2—bringing memes, speed, and massive rewards to Ethereum. The Layer Brett presale is live, making headlines as the “next 100x meme coin” and drawing direct comparisons with Shiba Inu and Pepe Coin. Analysts and enthusiasts are watching closely as $LBRETT combines lightning-fast Ethereum [...] The post Is Layer Brett The Next 100x Meme Coin? 3 Reasons It’s Set To Be As Big As Shiba Inu and Pepe appeared first on Blockonomi.

Author: Blockonomi

2025/08/19

Crypto Market Shows Steady Movement Amid Mixed Sentiment

Crypto Market Shows Steady Movement Amid Mixed Sentiment

Crypto market dips by 0.74% to $3.88T as Bitcoin ($BTC) and Ethereum ($ETH) fall, while NFT sales climb, and decentralized finance (DeFi) TVL declines.

Author: Blockchainreporter

2025/08/19

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