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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.

16104 Articles

Created: 2026/02/02 18:52

Updated: 2026/02/02 18:52

Block reward miners face the worst economics in BTC history

The post Block reward miners face the worst economics in BTC history appeared on BitcoinEthereumNews.com. Homepage > News > Business > Block reward miners face the worst economics in BTC history Block reward miners are facing the worst economics in BTC history, pushing them to raise billions of dollars to fuel their AI expansion plans. November was indeed the cruelest month for BTC miners, who faced the most unfavorable operating environment in Bitcoin’s (nearly) 17-year history. This week, JPMorgan (NASDAQ: JPM) analysts reported that mining profitability declined again last month, marking the fourth consecutive month of declining fortunes. The daily block reward gross profit was down 26% from October, while daily revenue dipped 14% (-20% year-over-year). BTC’s fiat price tumbled from its all-time high of $126,080 on October 6 to $82,000 by November 21. Since then, it has rallied briefly, then fallen again to $84,500 on December 1, and rebounded yet again to over $93,000 by December 3. But the average all-in cost—including ASIC rig depreciation—of mining a single BTC token remains over $101,000, meaning this ball needs to bounce a lot higher (and stay there). The Miner Mag reported that revenue per PH/s has fallen from $55 in Q3 to $35 today, well below publicly traded miners’ estimated $44 median all-in cost base. As the Miner Mag so eloquently put it: “At this level, profitability stress is no longer theoretical; it’s systemic.” It hasn’t helped that the fees miners earn from the transactions in every BTC block have fallen to a 12-month low of around $300,000 per day, just 0.63% of overall miner revenue. Simply put, the long-term financial model envisioned by Bitcoin creator Satoshi Nakamoto—for transaction volume to rise and fees to eventually replace the block reward subsidy—has been broken by the market embracing BTC as ‘digital gold’ rather than ‘peer-to-peer electronic cash.’ Miners caught a modest break in late November as the…

Author: BitcoinEthereumNews

2025/12/04

Aave snubs Sky’s USDS as collateral and 3 ‘underperforming’ chains

The post Aave snubs Sky’s USDS as collateral and 3 ‘underperforming’ chains appeared on BitcoinEthereumNews.com. Following a Snapshot vote, Aave governance looks set to remove Sky’s USDS as collateral. Another vote, in progress, suggests shutting down “underperforming” instances on three chains. Both proposals were brought forward by Aave governance delegation ACI. The first proposal, which passed with 99.5% approval, says USDS “generates negligible revenue while its issuance model introduces asymmetric risks.” As well as disabling its use as collateral, the proposal recommends increasing USDS’s reserve factor (the proportion of borrower interest paid to Aave’s treasury) to 25% and removing it from the higher efficiency “e-Mode” for correlated assets. Aave is a crypto lending platform and the DeFi sector’s largest protocol, with $33 billion of total value locked (TVL). Sky, formerly Maker, is the issuer of stablecoins USDS and (previously) DAI, which is likely next in the firing line. Yes following recommendation of risk teams dai will follow. — Marc ”七十 Billy” Zeller 👻 🦇🔊 (@Marczeller) December 2, 2025 Read more: Is Aave’s ‘Balance Protection’ backed by Relm — an FTX insurer? GFX Labs’ Paper Imperium called the vote a “reputational blow for Maker/Sky,” while Sky founder Rune Christensen believes there were “misunderstandings” over certain mechanics of the Sky ecosystem. ‘Underperforming’ instances A second vote, a “temperature check” on paring down Aave v3 instances, is currently underway, with YAE votes sitting at 99.9%. It recommends focusing on chains “which present the highest opportunity for revenue generation.” The post suggests winding down Aave’s v3 instances on zkSync, Metis, and Soneium instances. It argues that, of Aave v3’s $175 million annualized revenue, the three deployments combined contribute just $76,000 and represent just 0.05% of total TVL. It also recommends upping reserve factors to “improve revenue on instances which are currently underperforming,” in order to “offset the costs and risks they incur.” For future deployments, the proposal suggests a…

Author: BitcoinEthereumNews

2025/12/04

Solmate plans to acquire RockawayX in an all-stock transaction, creating a $2 billion institutional-grade Solana giant.

PANews reported on December 4th that Solmate (ticker symbol SLMT), the Abu Dhabi-based infrastructure company focused on Solana, has signed a non-binding term sheet to acquire digital asset company RockawayX in an all-stock transaction. This acquisition will create an institutional cryptocurrency group with over $2 billion in assets under management and third-party equity. The merged company will integrate RockawayX's infrastructure, liquidity, and asset management businesses into Solmate, which is transitioning from passive digital asset fund management to an operational cryptocurrency business, and will continue to trade under the ticker symbol SLMT. Solmate CEO Marco Santori will lead the group, while RockawayX CEO Viktor Fischer will be responsible for operating the RockawayX subsidiary and will serve as Solmate's executive chairman. RockawayX is the blockchain business unit of venture capital firm Rockaway Capital, providing on-chain market making, lending, and other services. The company also manages venture capital and credit funds, which collectively oversee approximately $1.04 billion in assets, while approximately $1.1 billion in assets are pledged on its validator nodes.

Author: PANews

2025/12/04

Top 3 Best Cryptos to Watch This Week: One Under $0.04 Is 95% Sold Out

As the market prepares for another volatile week, investors are watching a handful of cryptocurrencies that could shape the next wave of altcoin movement. While two major assets continue to face heavy resistance and slower momentum, one new crypto under $0.04 is rapidly selling out its current phase and attracting early buyers at an unprecedented [...] The post Top 3 Best Cryptos to Watch This Week: One Under $0.04 Is 95% Sold Out appeared first on Blockonomi.

Author: Blockonomi

2025/12/04

Solmate to Buy RockawayX in All-Stock Deal to Build $2B Institutional Solana Giant

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Author: Coindesk

2025/12/04

MicroStrategy News: 27% of Stategy’s BTC Now Off-Chain, Bullish Signal or Liquidity Risk?

The post MicroStrategy News: 27% of Stategy’s BTC Now Off-Chain, Bullish Signal or Liquidity Risk? appeared on BitcoinEthereumNews.com. Key Insights: According to latest MicroStrategy news, the firm transferred another 11,642 BTC worth $1 billion to Fidelity, bringing its total moved to 177,351 BTC. Around 27% of these holdings are now in Fidelity’s omnibus custody, making them no longer traceable on-chain. The shift raises questions about reduced visible supply, institutional consolidation, and potential impacts on Bitcoin’s price dynamics. The latest bitcoin custody reshuffle of MicroStrategy has alarmed investors: roughly a quarter of the company’s massive BTC holdings now sit in opaque, off-chain custody. Arkham Intelligence reported on Nov. 26, 2025 that MicroStrategy (Nasdaq: MSTR) moved nearly 60,000 coins from Coinbase into Fidelity’s omnibus vault. With some 427,000 BTC now tracked under a generic “Fidelity Custody” account, roughly 27% of MicroStrategy bitcoin holdings can no longer be directly seen on the blockchain.. The on-chain analytics firm Arkham notes that Fidelity’s omnibus system mixes many clients’ Bitcoin under a single address. In practical terms, any large sale out of Fidelity could be booked as an internal transfer – escaping the usual on-chain sale signals. In fact, crypto research outlet DropsTab recently highlighted that “Strategy moved 165,709 BTC into Fidelity’s omnibus pool — the perfect place to sell quietly.” By blending MicroStrategy’s coins with other holders’, Arkham warns that subsequent off-chain trades (for example via OTC desks inside Fidelity) would leave little on-chain footprint. In other words, about one-quarter of the $10–12 billion Bitcoin treasury could be unloaded stealthily if the company chose to do so. MicroStrategy (MSTR) Stock in Focus These developments come as MSTR stock trades near its lows of the year. After soaring in mid-2025 alongside bitcoin’s rally, MicroStrategy (MSTR) stock price has since collapsed. As of Dec. 4, 2025, the stock closed around $188.39, down roughly 60% from its September peak near $457. Bitcoin itself is near $92,000 (about…

Author: BitcoinEthereumNews

2025/12/04

Best Crypto Presale to Buy Now: Bitcoin Hyper Supercharges Bitcoin with Layer 2 Scalability

What to Know: Bitcoin’s Layer 1 is highly secure but limited by slow throughput, high fees, and no native smart contracts, restricting payments, DeFi, and everyday on-chain activity. Demand is rising for a system that pairs Bitcoin-level trust with Solana-grade speed, creating a clear market gap for scalable, programmable Bitcoin Layer-2 solutions like Bitcoin Hyper. Bitcoin Hyper launches a high-performance Bitcoin Layer 2 with SVM integration, enabling faster-than-Solana execution for wrapped BTC across payments, DeFi, NFTs, and more. With ultra-low-latency processing and SVM smart contracts, Bitcoin Hyper aims to transform idle $BTC into a productive asset powering dApps, gaming, and high-speed on-chain ecosystems. Bitcoin has spent the last cycle proving one thing: it’s one of the world’s premier reserve assets. But while $BTC dominates in security and brand, it still feels stuck in 2017 when you try to actually use it. Slow confirmations, inconsistent fees, and no native smart contracts make everyday utility an uphill battle. That gap has powered entire ecosystems. Solana, Ethereum, and their L2s captured users who wanted speed, low fees, and programmable money. Bitcoin holders, meanwhile, have mostly been sidelined into ‘hold and hope’ strategies, watching billions in DeFi, NFTs, and gaming flourish elsewhere. Bitcoin Hyper ($HYPER) is built around a simple premise: Bitcoin shouldn’t have to choose between being sound money and usable money. It aims to turn slow, expensive $BTC into a high-throughput Layer 2 where you can move Bitcoin in seconds for tiny fees while tapping DeFi, dApps, and NFTs directly tied back to Bitcoin’s security. Instead of trying to reinvent Bitcoin, Bitcoin Hyper plugs a Solana Virtual Machine-based execution layer into Bitcoin’s settlement layer, targeting Solana-level performance for $BTC itself. If you’ve been looking at the next wave of Bitcoin infrastructure plays, Bitcoin Hyper’s presale positions itself squarely as a bet on bringing full-stack utility to the world’s largest crypto. Bitcoin Hyper Turns Idle $BTC Into a High-Speed DeFi Asset Bitcoin Hyper takes Bitcoin from a passive store of value to an active asset that you can actually put to work. You can bridge $BTC in, wrap it, and then send payments that confirm in seconds, with fees designed to stay tiny even during peak demand. For users, it feels more like Web2 payments than classic Bitcoin. Under the hood, SVM integration means developers can deploy fast, Solana-style smart contracts while still anchoring value back to Bitcoin. That unlocks $BTC-native swaps, lending, staking, NFTs, and gaming dApps without forcing you to abandon the Bitcoin economic base. Bitcoin Hyper explicitly targets Solana-level throughput for a smoother UX. For builders, Bitcoin Hyper adds SDKs and Rust-based tooling, so you can spin up DeFi protocols, NFT platforms, or games that speak the same language as Solana but settle value in Bitcoin. The presale has already raised $28.9M with tokens priced at $0.013375, signaling early conviction that $BTC’s utility layer is overdue. Read more about how to buy $HYPER during the presale. Can Bitcoin Hyper’s Presale Fuel a Breakout? The upside thesis for $HYPER rests on one idea, fundamental to what Bitcoin Hyper actually is: Bitcoin holders finally getting a credible, high-throughput Layer 2 to match the chain’s brand and liquidity. Momentum indicators are starting to line up behind that narrative. Whale investors haven’t been idle, steadily making major $HYPER purchases: $500K whale buy $396K whale buy $274K whale buy If you believe $BTC will anchor the next cycle, but utility will live on L2s, Bitcoin Hyper sits directly in that flow. High-speed payments, low fees, and DeFi for wrapped $BTC all feed into the same story: turning dormant Bitcoin into productive capital. Our price prediction echoes that idea, with $HYPER potentially reaching $0.08625 by the end of 2026, representing some 545% gains. Bitcoin Hyper is positioning itself as the bridge between Bitcoin’s brand and modern crypto UX. Fast, low-cost $BTC transfers and SVM-powered dApps all stack into a straightforward pitch: give Bitcoin the app layer it never had, without compromising its core value proposition, and make $HYPER one of the best crypto presales. If you’re looking at narrative-driven infrastructure plays for the next cycle, $HYPER offers a pure bet on Bitcoin scalability, programmability, and DeFi catch‑up. Buy $HYPER in presale. This article is for informational purposes only and does not constitute financial, investment, or trading advice; always do your own research. Authored by Aaron Walker for NewsBTC — www.newsbtc.com/best-crypto-presale-to-buy-bitcoin-hyper-brings-bitcoin-layer-2-scalability

Author: NewsBTC

2025/12/04

Top 3 Crypto Picks for a Market Reset: Only One Has Less Than 5% Phase 6 Supply Left

The post Top 3 Crypto Picks for a Market Reset: Only One Has Less Than 5% Phase 6 Supply Left appeared first on Coinpedia Fintech News As the market prepares for a possible reset, investors are searching for cryptocurrencies that can hold value through volatility while still offering strong upside for 2026. Many large-cap assets are showing signs of exhaustion, while a new DeFi token under $0.04 is gaining momentum at a much faster pace. With fewer than 5% of its …

Author: CoinPedia

2025/12/04

CZ Unveils BNB Chain Prediction Platform That Generates Yield on Locked Funds

Changpeng‍‌‍‍‌‍‌‍‍‌ Zhao, the founder of Binance, has launched a new BNB Chain prediction market that provides a solution to an industry challenge that traders have been facing for a long time. The platform named Predict.fun was created by a former employee of Binance and supported by YZiLabs through its incubation

Author: Thenewscrypto

2025/12/04

MyPrize brings NBA star James Harden on board as its first Premier Creator

Latest News and Updates on blockchain industry by AlexaBlockchain ("Alexa Blockchain"). NBA star James Harden becomes MyPrize’s first Premier Creator, introducing interactive multiplayer gaming, livestreaming, and prediction markets to fans. The post MyPrize brings NBA star James Harden on board as its first Premier Creator appeared first on AlexaBlockchain.

Author: AlexaBlockchain

2025/12/04

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Lending

Block reward miners face the worst economics in BTC history

Aave snubs Sky’s USDS as collateral and 3 ‘underperforming’ chains

Solmate plans to acquire RockawayX in an all-stock transaction, creating a $2 billion institutional-grade Solana giant.

Top 3 Best Cryptos to Watch This Week: One Under $0.04 Is 95% Sold Out

Solmate to Buy RockawayX in All-Stock Deal to Build $2B Institutional Solana Giant

MicroStrategy News: 27% of Stategy’s BTC Now Off-Chain, Bullish Signal or Liquidity Risk?

Best Crypto Presale to Buy Now: Bitcoin Hyper Supercharges Bitcoin with Layer 2 Scalability

Top 3 Crypto Picks for a Market Reset: Only One Has Less Than 5% Phase 6 Supply Left

CZ Unveils BNB Chain Prediction Platform That Generates Yield on Locked Funds

MyPrize brings NBA star James Harden on board as its first Premier Creator

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