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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.

16025 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
EUR/JPY gains near 180.70 as focus remains on Eurozone HICP

EUR/JPY gains near 180.70 as focus remains on Eurozone HICP

The post EUR/JPY gains near 180.70 as focus remains on Eurozone HICP appeared on BitcoinEthereumNews.com. The EUR/JPY cross is building on the overnight modest bounce from the vicinity of the 180.00 psychological mark, or a four-day low, and gaining some positive traction during the Asian session on Tuesday. Spot prices, for now, seem to have snapped a three-day losing streak and currently trade around the 180.70 area, up just over 0.10% for the day, as traders await Eurozone inflation data before placing fresh directional bets. The flash estimate could show that the Eurozone Harmonized Index of Consumer Prices (HICP) rose 2.1% YoY in November, while the core gauge edged higher to 2.5% from the 2.4% in October. Inflation figures released on Monday from the biggest Eurozone economies – France, Spain, and Italy – show no immediate threat of price hikes. However, German inflation figures came in unexpectedly high. This, in turn, reinforces the argument for the European Central Bank (ECB) policy hold, which acts as a tailwind for the shared currency and the EUR/JPY cross. The Japanese Yen (JPY), on the other hand, edges lower as a positive risk tone is seen undermining demand for traditional safe-haven assets. This turns out to be another factor lending support to spot prices. Any meaningful JPY depreciation, however, seems elusive in the wake of the growing acceptance that the Bank of Japan (BoJ) will stick to the policy normalization path. The bets were reaffirmed by hawkish comments from BoJ Governor Kazuo Ueda on Monday, saying that the likelihood of the central bank’s economic and price projections being met is rising. Moreover, Japan’s Finance Minister Satsuki Katayama said on Sunday that recent erratic swings in the foreign exchange market and rapid JPY weakening are clearly not driven by fundamentals. It’s our position to issue warnings against such matters, Katayama added further. The remarks fueled speculations that Japanese authorities would…

Author: BitcoinEthereumNews

2025/12/02

Yorkville Appoints Execs for Planned CRO Treasury Merger with Trump Media and Crypto.com

Yorkville Appoints Execs for Planned CRO Treasury Merger with Trump Media and Crypto.com

The post Yorkville Appoints Execs for Planned CRO Treasury Merger with Trump Media and Crypto.com appeared on BitcoinEthereumNews.com. Yorkville Acquisition Corp. is merging with Trump Media & Technology Group and Crypto.com to form a publicly traded digital asset treasury focused on accumulating Cronos’ native CRO token, with new CEO Steve Gutterman and CFO Sim Salzman leading the effort expected to close in Q1 2026. Executive Appointments: Former Gryphon Digital Mining leaders Steve Gutterman and Sim Salzman will helm the new entity. The merger aims to create a dedicated treasury for buying, staking, and managing CRO tokens on the Cronos network. Initial CRO purchase totals 684.4 million tokens at $0.153 each, valued at $105 million, with plans to operate a validator node post-merger. Discover the Yorkville Acquisition Corp. merger with Crypto.com and Trump Media: A new CRO token treasury emerges. Learn about key appointments, strategy, and market impacts. Stay informed on crypto developments. What is the Yorkville Acquisition Corp. merger with Crypto.com and Trump Media? The Yorkville Acquisition Corp. merger with Trump Media & Technology Group and Crypto.com will establish a publicly traded company specializing in the accumulation and staking of the Cronos ecosystem’s native CRO token. This business combination positions the new entity as a digital asset treasury, focusing on acquiring and managing CRO to support long-term growth on the Cronos blockchain. The merger, announced in September, includes an initial investment in 684.4 million CRO tokens valued at approximately $105 million. How will the new CRO token treasury operate post-merger? The entity will function as a dedicated digital asset treasury, purchasing and holding CRO tokens while participating in network activities. Upon closing in the first quarter of 2026, it plans to run a validator node on the Cronos network, enabling staking of its holdings to earn rewards and contribute to blockchain security. This strategy aligns with broader trends in corporate cryptocurrency adoption, where firms leverage tokens like CRO…

Author: BitcoinEthereumNews

2025/12/02

Benchmark Views MicroStrategy’s Bitcoin Strategy as Resilient Investment Opportunity

Benchmark Views MicroStrategy’s Bitcoin Strategy as Resilient Investment Opportunity

The post Benchmark Views MicroStrategy’s Bitcoin Strategy as Resilient Investment Opportunity appeared on BitcoinEthereumNews.com. MicroStrategy’s Bitcoin treasury strategy remains a robust approach for corporate crypto exposure, with Benchmark analysts dismissing critics as unfamiliar with its mechanics. The firm holds 650,000 BTC valued at $55.2 billion, using leverage to acquire assets and issuing instruments for investor access, positioning it as a key player despite market volatility. Benchmark maintains a ‘buy’ rating on MicroStrategy stock with a $705 target, projecting Bitcoin at $225,000 by 2026. The strategy shields against downside risks, requiring Bitcoin to fall below $12,700—an 86% drop—for debt coverage issues. MicroStrategy’s holdings total 650,000 BTC purchased for $48.3 billion, making it the largest corporate Bitcoin holder amid 2025’s 43% stock decline. Explore MicroStrategy Bitcoin strategy: Benchmark rejects skepticism, affirming its appeal for crypto investors. Dive into holdings, ratings, and market outlook for informed decisions. What is MicroStrategy’s Bitcoin Treasury Strategy? MicroStrategy’s Bitcoin treasury strategy involves aggressively acquiring and holding Bitcoin as a primary treasury reserve asset to enhance shareholder value and hedge against inflation. Launched in 2020, the Nasdaq-listed company—formerly known as MicroStrategy—has invested heavily in the cryptocurrency, leveraging debt and equity offerings to build its position. This approach provides investors indirect exposure to Bitcoin through traditional stock and dividend instruments, distinguishing it from direct crypto purchases. How Does MicroStrategy’s Bitcoin Strategy Handle Market Volatility? MicroStrategy’s Bitcoin strategy is designed with resilience in mind, incorporating a balance-sheet architecture that amplifies upside potential while mitigating severe downsides. According to equity research analyst Mark Palmer from Benchmark, the firm’s convertible debt of approximately $8.2 billion becomes vulnerable only if Bitcoin’s price plummets below $12,700 and sustains that level—a scenario requiring an 86% decline from current prices around $85,779. Palmer emphasized in his note that such an extreme drop would demand multiple simultaneous macroeconomic shocks, which appear improbable given Bitcoin’s historical resilience and current market dynamics. The…

Author: BitcoinEthereumNews

2025/12/02

PHILGUARANTEE and Bank of Makati Sign Deal to Boost MSME Loans

PHILGUARANTEE and Bank of Makati Sign Deal to Boost MSME Loans

State-owned Philippine Guarantee Corporation (PHILGUARANTEE) has signed a Memorandum of Agreement (MOA) with the Bank of Makati to strengthen financial support for micro, small, and medium enterprises (MSMEs). The agreement was formalised during a ceremony in Makati City on 18 November 2025. Under the partnership, PHILGUARANTEE will extend guarantee coverage to the bank’s loan portfolio [...] The post PHILGUARANTEE and Bank of Makati Sign Deal to Boost MSME Loans appeared first on Fintech News Philippines.

Author: Fintechnews

2025/12/02

FDUSD Issuer First Digital Eyes New York Public Listing Via SPAC Merger

FDUSD Issuer First Digital Eyes New York Public Listing Via SPAC Merger

The post FDUSD Issuer First Digital Eyes New York Public Listing Via SPAC Merger appeared on BitcoinEthereumNews.com. The First Digital IPO involves the Hong Kong-based FDUSD stablecoin issuer merging with a New York Stock Exchange-listed SPAC to go public, amid a supportive U.S. regulatory environment for crypto firms. This move highlights growing interest in public listings for digital asset companies seeking capital and legitimacy. First Digital Group plans to merge with CSLM Digital Asset Acquisition Corp III, a SPAC that raised $230 million in an August IPO on Nasdaq. The merger includes a private investment in public equity deal, with details under negotiation to facilitate the First Digital IPO. FDUSD circulation stands at approximately $920 million, reflecting market fluctuations since its peak of $4.4 billion in April 2024. First Digital IPO: Hong Kong’s FDUSD issuer eyes NYSE listing via SPAC merger in crypto’s bullish public market surge. Explore regulatory shifts and stablecoin dynamics driving this pivotal move. Stay informed on crypto finance trends. What is the First Digital IPO? The First Digital IPO refers to the planned public listing of First Digital Group, the Hong Kong-based issuer of the FDUSD stablecoin, through a merger with CSLM Digital Asset Acquisition Corp III, a special purpose acquisition company listed on the New York Stock Exchange. This strategic merger aims to provide First Digital with access to U.S. capital markets, leveraging the SPAC’s established structure. The process includes ongoing negotiations for a private investment in public equity transaction, positioning the company for broader investor reach in the evolving crypto landscape. How does the FDUSD stablecoin factor into the First Digital IPO? The FDUSD stablecoin, pegged to the U.S. dollar and issued by First Digital, plays a central role in the company’s operations and the upcoming IPO. With a current market circulation of about $920 million, FDUSD has experienced volatility, dropping from a high of $4.4 billion in April 2024 due…

Author: BitcoinEthereumNews

2025/12/02

PBOC sets USD/CNY reference rate at 7.0794 vs. 7.0759 previous

PBOC sets USD/CNY reference rate at 7.0794 vs. 7.0759 previous

The post PBOC sets USD/CNY reference rate at 7.0794 vs. 7.0759 previous appeared on BitcoinEthereumNews.com. The People’s Bank of China (PBOC) sets the USD/CNY central rate for the trading session ahead on Tuesday at 7.0794 compared to the previous day’s fix of 7.0759. PBOC FAQs The primary monetary policy objectives of the People’s Bank of China (PBoC) are to safeguard price stability, including exchange rate stability, and promote economic growth. China’s central bank also aims to implement financial reforms, such as opening and developing the financial market. The PBoC is owned by the state of the People’s Republic of China (PRC), so it is not considered an autonomous institution. The Chinese Communist Party (CCP) Committee Secretary, nominated by the Chairman of the State Council, has a key influence on the PBoC’s management and direction, not the governor. However, Mr. Pan Gongsheng currently holds both of these posts. Unlike the Western economies, the PBoC uses a broader set of monetary policy instruments to achieve its objectives. The primary tools include a seven-day Reverse Repo Rate (RRR), Medium-term Lending Facility (MLF), foreign exchange interventions and Reserve Requirement Ratio (RRR). However, The Loan Prime Rate (LPR) is China’s benchmark interest rate. Changes to the LPR directly influence the rates that need to be paid in the market for loans and mortgages and the interest paid on savings. By changing the LPR, China’s central bank can also influence the exchange rates of the Chinese Renminbi. Yes, China has 19 private banks – a small fraction of the financial system. The largest private banks are digital lenders WeBank and MYbank, which are backed by tech giants Tencent and Ant Group, per The Straits Times. In 2014, China allowed domestic lenders fully capitalized by private funds to operate in the state-dominated financial sector. Source: https://www.fxstreet.com/news/pboc-sets-usd-cny-reference-rate-at-70794-vs-70759-previous-202512020115

Author: BitcoinEthereumNews

2025/12/02

This $0.035 New Cryptocurrency is Taking Over Q4 2025, MUTM Climbs to 95% of Phase 6

This $0.035 New Cryptocurrency is Taking Over Q4 2025, MUTM Climbs to 95% of Phase 6

The post This $0.035 New Cryptocurrency is Taking Over Q4 2025, MUTM Climbs to 95% of Phase 6 appeared on BitcoinEthereumNews.com. One of the emerging new cryptocurrencies with a price of $0.035 is in the spotlight of the entire market as it is making another significant breakthrough. Mutuum Finance (MUTM) is currently at 95% allocation in Phase 6 and interest is swelling at an extremely high rate as the project is set to become one of the hottest-discussed DeFi tokens of Q4 2025. As the pace of development gains momentum and the volume of supply dwindles, the last part of this phase is under the scrutiny of investors. Quick Presale Growth  At the beginning of 2025 Mutuum Finance had its token offering at $0.01. Following steady demand in various phases, the token grew to $0.035, which is a 250% growth in presale. It has also raised more than $19M and over 18 200 holders up to date and this has made it have one of the most robust early communities in new crypto launches of the year. The 4B total supply consists of 1.82B (45.5%) of presale. Over 800M tokens have been already bought. Phase 6, is offered at $0.035, which is already 95% filled. Mutuum Finance encourages user participation directly by its 24-hours long leaderboard that rewards the highest contributor each day with $500 of MUTM. Mutuum Finance is designing a decentralized lending protocol based on a dual lending model. Through this framework, the type of loans offered becomes flexible and the risk is maintained at its check by the well-articulated collateralization rules and liquidation procedures are automated. One of its components is mtTokens that users are rewarded by providing the assets to the system. Mutuum Finance also functions based on the buy-and-distribute scheme, according to which a part of the protocol revenue is used by buying MUTM on the open market. The purchase of MUTM within the open market…

Author: BitcoinEthereumNews

2025/12/02

Crypto Lending Rebuilds From The Rubble, Reaching $25B In New Activity—Study

Crypto Lending Rebuilds From The Rubble, Reaching $25B In New Activity—Study

The post Crypto Lending Rebuilds From The Rubble, Reaching $25B In New Activity—Study appeared on BitcoinEthereumNews.com. Crypto Lending Rebuilds From The Rubble, Reaching $25B In New Activity—Study Sign Up for Our Newsletter! For updates and exclusive offers enter your email. Christian, a journalist and editor with leadership roles in Philippine and Canadian media, is fueled by his love for writing and cryptocurrency. Off-screen, he’s a cook and cinephile who’s constantly intrigued by the size of the universe. This website uses cookies. By continuing to use this website you are giving consent to cookies being used. Visit our Privacy Center or Cookie Policy. I Agree Source: https://bitcoinist.com/crypto-lending-rebuilds-from-the-rubble-reaching-25b-in-new-activity-study/

Author: BitcoinEthereumNews

2025/12/02

Cardano to finally turn passive ADA holders into real DeFi participants with $30M liquidity push

Cardano to finally turn passive ADA holders into real DeFi participants with $30M liquidity push

Cardano is entering a very important phase in its development, as its founding institutions are attempting to deliver the core infrastructure that every major blockchain already treats as standard. On Nov. 27, a new proposal sought community approval to allocate 70 million ADA tokens (worth about $30 million) to onboard tier-one stablecoins, custody providers, cross-chain […] The post Cardano to finally turn passive ADA holders into real DeFi participants with $30M liquidity push appeared first on CryptoSlate.

Author: CryptoSlate

2025/12/02

Mutuum Finance (MUTM) Phase 6 Crosses 96% With High Demand

Mutuum Finance (MUTM) Phase 6 Crosses 96% With High Demand

Mutuum Finance introduced its token offering in early 2025 with an initial price of $0.01. The project has now secured over $19M in total funding and has grown a global community of more than 18,200 holders. Out of the 4B total supply, 1.82B tokens — which equals 45% — were reserved for early distribution.

Author: Hackernoon

2025/12/02

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