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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.

16182 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Peter Schiff Admits Bitcoin Won’t Go To Zero In The Near Future, Softens Long-Held Stance ⋆ ZyCrypto

Peter Schiff Admits Bitcoin Won’t Go To Zero In The Near Future, Softens Long-Held Stance ⋆ ZyCrypto

The post Peter Schiff Admits Bitcoin Won’t Go To Zero In The Near Future, Softens Long-Held Stance ⋆ ZyCrypto appeared on BitcoinEthereumNews.com. Advertisement &nbsp &nbsp Economist Peter Schiff has backpedaled on his long-held stance that Bitcoin (BTC) is headed to zero in the coming years. Fresh off his interview with Binance founder Changpeng Zhao, the gold bug revealed that Bitcoin has garnered enough institutional interest to support prices for the near future. Bitcoin Price Will Not Go To Zero, Says Schiff US-based economist Peter Schiff has confirmed a change in stance over the future of Bitcoin, disclosing that the leading cryptocurrency is not headed for a total wipeout in the short term. Schiff shared his thoughts in a spontaneous selfie-style interview, noting several reasons for his new stance. Right off the bat, the gold bug predicted that there would be strong “support” for Bitcoin in the coming years, underscored by the “big-enough cult” around the asset. Schiff forecasted the retail and institutional interest will prop the asset, preventing its cascade toward zero dollars. However, Schiff noted that Bitcoin will continue its price descent, a decline that could send the top crypto to $100 per coin. Since October, Bitcoin has erased its gains from the start of the year, trading below the $90,000 mark after setting an all-time high of $126,000. While Schiff’s near-term prediction indicates a change of stance, he warns that the asset may be worthless in 100 years. The economist branded an investment in Bitcoin as akin to gambling while urging investors to double down on gold and other precious metals, citing their strong performance in 2025. Advertisement &nbsp Peter Schiff’s comments come on the heels of a highly anticipated public debate with Binance founder Changpeng Zhao (CZ). During the interview, Schiff poked holes in Bitcoin’s recent price performance while questioning its utility as a store of value.  Bitcoin Cracks $90,000 Amid Flashes Of Brilliance  After wallowing below…

Author: BitcoinEthereumNews

2025/12/08

Cardano (ADA) Still Looks Solid, But This New Crypto Coin With Phase 6 at 98% Sold Out Is the Real 2026 Play

Cardano (ADA) Still Looks Solid, But This New Crypto Coin With Phase 6 at 98% Sold Out Is the Real 2026 Play

Within the evolving and uncertain world of cryptocurrencies, the founder of the popular blockchain network Cardano, Charles Hoskinson, recently stated that an enormous number of cryptocurrencies, close to 99%, are likely to fail, thus positioning Cardano (ADA) as one of the elite 1%, which boasts an impressive run of ten years and an amazing market […]

Author: Cryptopolitan

2025/12/08

Solana extends DEX volume lead to four straight months

Solana extends DEX volume lead to four straight months

The post Solana extends DEX volume lead to four straight months appeared on BitcoinEthereumNews.com. Solana continues to lead all other chains in DEX volume for sixteen weeks in a row. The network carries double the volume of Ethereum and is the home of some of the busiest protocols.  Solana DEX activity remains elevated, surpassing other L1 and L2 chains in weekly volumes for 16 weeks in a row. Solana’s DEXs also report the biggest daily and weekly volumes, with only occasional anomalies where Ethereum or BNB Chain come close.  Trading on DEX across the board remains elevated, despite the slowdown of meme trading. On Solana, memes make up a shrinking share of overall token volumes. The other factor for Solana DEX activity is HumidiFi, a dark pool DEX that emerged in the past six months.  HumidiFi reported volumes are catching up with those of other top on-chain exchanges across all chains. HumidiFi recently launched a token presale, aiming to boost adoption with a native WET token.  DEX activity remains robust across the board, based on legacy tokens, stablecoin pairs, and wrapped tokens. DEX trading is part of the liquidity flow from DeFi. Solana activity also got a boost from the recent expansion of lending, with competition from Jupiter and Kamino. Additional trading spikes come from high-profile launches like Monad’s MON token. Solana remains the leader in cross-chain activity Solana trading volumes on DEX have grown not only statistically. The ecosystem is more complex, including a new balance of platforms and cross-chain activity.  Despite the slowdown in meme creation, PumpSwap emerged as a leader for legacy tokens. The platform carries activity for PUMP tokens, USDC pairs, as well as hot trending legacy memes.  Solana DEX competition shifted in the past quarter, as PumpSwap took up the bulk of trading. PancakeSwap’s cross-chain version also remained highly active on Solana. | Source: Dune Analytics Other sources of…

Author: BitcoinEthereumNews

2025/12/08

Strategic ETH Accumulation: Amber Group and Metalpha Withdraw a Massive $28.2 Million from Binance

Strategic ETH Accumulation: Amber Group and Metalpha Withdraw a Massive $28.2 Million from Binance

BitcoinWorld Strategic ETH Accumulation: Amber Group and Metalpha Withdraw a Massive $28.2 Million from Binance In a move that has captured the attention of the entire crypto market, two major institutional players have executed a significant ETH accumulation strategy. According to on-chain data, Amber Group and Metalpha have collectively withdrawn a staggering $28.2 million worth of Ethereum from Binance. This action is more than a simple transfer; it’s a powerful […] This post Strategic ETH Accumulation: Amber Group and Metalpha Withdraw a Massive $28.2 Million from Binance first appeared on BitcoinWorld.

Author: bitcoinworld

2025/12/08

Solana remains the leader in DEX volume for the past four months

Solana remains the leader in DEX volume for the past four months

Solana led all other L1 and L2 chains for DEX volumes in the past four months. Solana-based DEX got a boost from high-profile launches, lending, as well as the influence of the HumidiFi dark pools DEX.

Author: Cryptopolitan

2025/12/08

BTC Steady Above $91K, Treasury Yields Add Note of Caution as Fed Rate Cut Looms

BTC Steady Above $91K, Treasury Yields Add Note of Caution as Fed Rate Cut Looms

The post BTC Steady Above $91K, Treasury Yields Add Note of Caution as Fed Rate Cut Looms appeared on BitcoinEthereumNews.com. Bitcoin BTC$92,156.54 rose Monday, supposedly in anticipation of a Federal Reserve interest-rate cut this week, although a continued rally in Treasury yields signaled caution. The Fed is expected to cut the target interest rate by 25 basis points to the 3.5%-3.75% range. It would be the third straight reduction in the cost of borrowing, amounting to a cumulative easing of 175 basis points since September 2024. Rate cuts typically inject liquidity into the financial system. This cheaper capital encourages lending and investment, spurring risk-on behavior across financial markets and the broader economy. Lower policy rates also suppress short-term interest rates across the curve, driving bond prices higher and yields lower. The net expected result is bullish momentum in risk assets alongside falling Treasury yields. BTC seems to be behaving accordingly, trading over 1.5% higher on the day near $91,800, CoinDesk data show. Prices have carved out higher lows and higher highs since dropping nearly $80,000 roughly three weeks ago. The surprise is Treasury yields, which are rising, not falling. The benchmark 10-year yield is currently 4.15%, the highest since Nov. 20 and up 2 basis points on the day and nearly 20 basis points since Nov. 28. Hawkish cut? Observers suggest that the yield movement signals the rate cut is a foregone conclusion, and bond traders are pricing in Chair Jerome Powell’s likely non-committal stance on further easing in 2026. Such a “hawkish cut” could weigh on risk assets, including BTC. “The risk, however, lies not in the cut itself but in the press conference that follows,” Markus Thielen, founder of 10x Research, told CoinDesk. “Powell is likely to signal a pause rather than a path of further cuts, and the bond market is already positioning for that outcome, while crypto markets, so far, have largely ignored it” Greg Magadini,…

Author: BitcoinEthereumNews

2025/12/08

Top 3 Breakout Altcoins for Q1 2026, One $0.035 Token Is Weeks From a 100% Phase Sellout

Top 3 Breakout Altcoins for Q1 2026, One $0.035 Token Is Weeks From a 100% Phase Sellout

The post Top 3 Breakout Altcoins for Q1 2026, One $0.035 Token Is Weeks From a 100% Phase Sellout appeared on BitcoinEthereumNews.com. Crypto Projects As traders prepare for the first quarter of 2026, attention is shifting away from slow-moving large caps and toward early-stage altcoins with stronger growth setups. Several projects are starting to build momentum again, but one token priced at $0.035 is moving at a faster pace than expected. Many investors now say this token may be only weeks away from reaching a full Phase 6 sellout, prompting comparisons to breakout moments seen in previous cycles. Ripple (XRP) Ripple (XRP) remains one of the most recognized assets in the market. During its first major breakout period, XRP climbed from low-priced levels into a multi-billion-dollar asset. It became known for fast settlement and cross-border payment features that attracted attention from both crypto users and traditional finance partners. Early buyers saw strong returns as XRP moved into the top ranks. XRP’s position today is different. Its large market cap slows growth, and most forecasts expect only moderate movement in the near term. While XRP still holds an important place in the industry, many early investors who once relied on its rapid expansion are now looking for smaller, earlier-stage projects with more room to grow. This shift in focus is one of the reasons Mutuum Finance is gaining visibility. Solana (SOL) Solana (SOL) delivered one of the strongest runs of the previous market cycle. It grew from a low valuation into a leading blockchain known for speed, low fees, and active development. Solana’s early surge brought in developers, users, and liquidity at a pace rarely seen before. Many early SOL investors benefitted as the project entered the top crypto rankings and expanded its ecosystem. However, Solana now sits with a large market cap, and its major growth phase has slowed. Competition in the L1 sector has intensified, and large valuations naturally limit rapid…

Author: BitcoinEthereumNews

2025/12/08

Morning Ville: the new NFT collection on Soneium with high gain potential

Morning Ville: the new NFT collection on Soneium with high gain potential

Morning Ville is emerging as one of the most intriguing NFT initiatives within the Soneium ecosystem.

Author: The Cryptonomist

2025/12/08

What can save you, my crypto world?

What can save you, my crypto world?

Author: Nancy, PANews “I wasted eight years of my life in the crypto industry.” Aevo co-founder Ken Chan published an article denouncing the crypto industry as having degenerated into a "super casino," a post that quickly went viral in online communities both domestically and internationally. Behind the millions of views, the community debate exploded. Supporters saw it as a wake-up call, bursting the bubble, while opponents viewed it as a betrayal by those who had already benefited. Putting aside the emotional outbursts, this debate reflects the collective anxiety and cyclical confusion within the industry currently facing liquidity shortages and a narrative vacuum. Turned into a super casino? What's wrong with the crypto ecosystem? In this lengthy article, Ken Chan candidly admits that the past eight years have been a journey from idealism to disillusionment. As a libertarian and programmer deeply influenced by the works of Ayn Rand, he was a staunch believer in the cypherpunk spirit, viewing Bitcoin as "a private bank for the rich." However, after eight years of full-time dedication to the industry, he painfully admitted that even though he had made money, he still felt that those eight years of his youth had been completely wasted. The narrative most often uttered by industry practitioners is "completely replacing the existing financial system with blockchain," but this is merely a propaganda slogan; they are simply maintaining the world's largest online casino, operating 24/7. This misperception stems from a drastically distorted industry incentive mechanism. In reality, no one cares about genuine technological iteration. Market participants are blindly pouring funds into the next Layer 1 public chain, attempting to bet on the next Solana. This speculative mentality has fueled an inflated market capitalization of hundreds of billions of dollars. In fact, there are quite a few zombie public blockchains nowadays. Even emerging high-performance blockchains that have raised tens or even hundreds of millions of dollars are not immune to the airdrop craze and incentive subsidy activities, leaving very few real users. This is like building countless highways in a desert, but there are no cities or factories along the way, only a group of speculators reselling land. The data also confirms this predicament. According to DeFiLlama, in the past 24 hours, only 15 chains had on-chain DEX transaction volumes exceeding 10 million, and only 4 chains met the requirement of having millions of daily active addresses. On this "ghost town" of over-saturated infrastructure, Ken argues that spot DEXs, perpetual contracts, prediction markets, and the Meme coin platform are essentially gambling tools. For example, the former Meme culture has been replaced by an industrialized "coin issuance pipeline," becoming an on-chain casino of extreme PvP; and the frequent interactions across many applications are not driven by genuine needs, but rather by the pursuit of points for airdrops. As Ken points out, while VCs can write 5,000-word essays outlining grand visions, the reality is that these games are constantly consuming the existing funds of retail and institutional investors. What makes Ken Chan even more uncomfortable is the industry's subversion of common business sense. Here, making money through token issuance, market making, and profit-taking is far easier than refining a product. The market is flooded with tokens that have "high FDV and low liquidity," projects with no real revenue yet boasting valuations of billions of dollars, and so-called governance tokens that are nothing more than liquidity tools for investors to exit. This environment where bad money drives out good not only deprives practitioners of the ability to identify sustainable businesses but also instills a highly toxic "financial nihilism" in the younger generation. With traditional assets becoming increasingly unaffordable, Generation Z is exhibiting its own form of "financial rebellion." According to a recent Financial Times article, the deteriorating housing affordability in the United States is profoundly changing Generation Z's financial and consumption behaviors, even driving some young people to speculate in cryptocurrencies and generating feelings of economic nihilism. Besides cryptocurrencies, trendy stocks, collectible toys, leveraged ETFs, and prediction markets are all financial trends among young people. Ken Chan's accusations resonated with many. For example, Tangent founder Jason Choi lamented that we already have countless low-cost/fast blockchains, lax regulatory systems, massive overfunding since 2017, and thousands of developers delivering smart contracts over the past decade. Yet, an AI company is about to IPO at a price exceeding the total market capitalization of all cryptocurrencies except Bitcoin and stablecoins. Inversion Capital founder Santiago Roel Santos points out that this is a sobering reminder of reality for the entire industry. Today, the crypto industry has only about 40 million monthly active users (MAU), while Facebook had 845 million MAU at its IPO and a market capitalization of approximately $100 billion; OpenAI currently has about 800 million MAU and its most recent valuation was $500 billion. To have a $10 trillion asset class, we need at least a billion users. Crypto KOL YQ cited an older article stating that many crypto OGs have chosen to leave the market after questioning their initial beliefs. In the current cycle, highly speculative projects like memes, perpetual tokens, and prediction markets remain resilient, while the value of many infrastructure and social projects is increasingly difficult to prove. This is undoubtedly the most difficult phase for startups, VCs, traders, and users, and the market is rife with "pump and dump" schemes using leveraged perpetual tokens to manipulate small-cap or older coins. In this environment, it's crucial to acknowledge the facts and accept reality. Whether you're a VC or an entrepreneur, the only way to survive is to continuously adjust your direction and consistently deliver products. Navigating the cycles of crypto sentiment, "the forest needs to be cleared of dead trees." Many industry professionals believe that Ken Chan's negative emotions are essentially a typical "retreat the ladder after getting ashore" mentality. As a beneficiary of the existing system, he made his fortune in the crypto market, yet he turned around and criticized this ladder to wealth as dirty. At the same time, his aversion to financial nihilism ignored the fact that for countless ordinary people around the world, this bubble-filled market remains one of the few channels for upward social mobility. Moreover, AEVO's price has already fallen by more than 98% from its all-time high. Regarding the current predicament of the crypto market, Ken believes the industry is merely spinning its wheels, but many proponents see it as a necessary growing pain in technological development. We cannot negate the entire financial city that is rising from the ground just because we see people losing money in a casino. If we turn our attention to high-inflation countries like Argentina, Turkey, and Nigeria, we find that stablecoins such as USDT and USDC have become de facto "hard currency." Local people rely on them to protect their meager savings from hyperinflation, and this financial system has effectively served tens of millions of people. Meanwhile, Bitcoin is no longer just a geek's toy; it's becoming part of the balance sheets of sovereign wealth funds, national government reserves (such as in El Salvador and Bhutan), and top hedge funds. Ethereum's technical components have been established as a global public blockchain standard and have gained recognition from Wall Street capital. Furthermore, with assets such as stocks, bonds, and real estate rapidly being put on-chain, financial efficiency is experiencing a substantial leap. On the technological front, countless developers are making breakthroughs in cutting-edge fields such as zero-knowledge proofs (ZK), censorship-resistant networks, and quantum resistance. These are the real undercurrents behind the noisy crypto market. Regarding the "casino analogy," Haseeb, a partner at Dragonlfy, points out that the cryptocurrency space has never lacked casinos. The first blockbuster application on Bitcoin was Satoshi Dice (2012). The first blockbuster smart contract on Ethereum was King of the Ether Throne (2015), which was essentially a Ponzi scheme. Once programmable money exists, people's first instinct is always to bet and play games—this is human nature. The crypto world has always had its hottest casinos: ICO casinos, DeFi, NFTs, and now MEME coins. The forms change, but the essence remains the same. While casinos are glamorous and attract attention on social media, focusing solely on their superficiality will cause you to miss the more important stories. He further points out that cryptocurrencies are becoming a superior financial vehicle, reshaping the nature of money and subtly altering the power relationship between individuals and governments. Bitcoin has begun to challenge national sovereignty, with governments incorporating it into their balance sheets; stablecoins are influencing monetary policy, prompting central banks to scramble to respond; and the scale and value of permissionless financial protocols like Uniswap and AAVE have surpassed many unicorn fintech companies. The world is undergoing a profound shift around cryptocurrencies. “This transformation is slower than many anticipated, but that’s how technology diffusion always is,” Haseeb stated. Three years after ChatGPT’s launch, generative AI still hasn’t been reflected in GDP or employment data; the Industrial Revolution took 50 years to truly impact productivity; and the widespread adoption of the internet took over 20 years. Expecting it to replace the world’s most regulated financial system within a mere five years is unrealistic. If you’re frustrated because you didn’t become rich from participating in a MEME project, take a deep breath; the industry doesn’t owe anyone wealth. In fact, pessimism and a sense of “mental surrender” on the timeline aren’t necessarily bad things. Pantera Capital partner Mason Nystrom also believes that a pessimistic view of cryptocurrencies and their social value is wrong. While speculation and abuse exist in the cryptocurrency space, and its casinos are real and large-scale, with many people losing money at the tables, it also contains a great deal of overlooked positive social value. He explained that Bitcoin has become a global, non-sovereign asset that anyone in the world with an internet connection can hold. It provides a veto/exit mechanism for people worldwide, transferring economic control from nations to individuals. Stablecoins offer more efficient and secure financial services to people around the world, with faster disbursement, higher returns, and lower costs. The lack of returns from banks for depositors, high fees for cross-border remittances, and the 2.9% transaction fee for e-commerce are all being reshaped by stablecoins, bringing tangible social value. Lending platforms like Aave and Morpho enable people worldwide to access over-collateralized loans. The low-collateral lending market will further unleash enormous social benefits, reduce capital costs, and create significant positive externalities. Furthermore, blockchain will enable global users to access previously restricted financial products such as stocks, bonds, insurance, and credit. Permissionless financing allows any good idea to gain support based on its own value. A more transparent, efficient, and low-cost market is itself an improvement for society. Mason Nystrom also stated that cryptocurrencies are building a completely new financial system. Some will build casinos, some will build payment networks, some will build speculative instruments, and others will build inclusive credit infrastructure. This new financial system will not be perfect, but it will far surpass the current state. If we only see the casino aspect of cryptocurrencies, perhaps we should take a step back and look at all the benefits that cryptocurrencies have brought to and will continue to bring to society from a more macro perspective. The crypto industry is currently experiencing a low point, and Ken's post is less a reflection and more an emotional outpouring after a failed startup. Projects like Aevo are not uncommon in their difficulties; this is precisely the survival of the fittest the industry is undergoing. In the past few years, the sector has seen an oversupply of projects lacking real value and unable to deliver viable products. The current pain is simply squeezing out the bubble that has accumulated. Just as forests need to be regularly cleared of dead trees to prevent decay from spreading, the same applies to the crypto industry. Let those who are weary, lost, or only here for speculation leave naturally, and the air will become clear. Either change your mindset and refocus on the future, or make way for those still building. This journey has just begun and is far from over.

Author: PANews

2025/12/08

Celsius v Tether: The Sanctity of Coded and Legal Lending and Collateral Agreements

Celsius v Tether: The Sanctity of Coded and Legal Lending and Collateral Agreements

Celsius Network was arguably the most significant Centralized Finance (CeFi) lending platform. At its peak, Celsius offered lenders up to 17% APY on deposited assets. Celsius claims Tether’s hasty decision to liquidate its collateral ultimately cost the company over $4 billion worth of BTC.

Author: Hackernoon

2025/12/08

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