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.

15846 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
DAT Valuations Clarified as Matt Hougan Outlines Discount and Premium Factors

DAT Valuations Clarified as Matt Hougan Outlines Discount and Premium Factors

A new discussion around digital asset treasury companies has taken shape after Matt Hougan, the Chief Investment Officer at Bitwise, shared a detailed breakdown of how these firms should be valued. His explanation arrives at a time when investors are trying to understand whether DATs deserve to trade above, at, or below the value of […]

Author: Tronweekly
Cardano Price Prediction vs XRP Tundra: Which Offers Better 2025 Returns?

Cardano Price Prediction vs XRP Tundra: Which Offers Better 2025 Returns?

The 2025 cycle has entered its final phase, and sentiment surrounding major L1 networks is increasingly tied to measurable activity […] The post Cardano Price Prediction vs XRP Tundra: Which Offers Better 2025 Returns? appeared first on Coindoo.

Author: Coindoo
This New DeFi Crypto Is Almost Sold Out as Phase 6 Hits 90%, The Next 20x Token Under $0.05?

This New DeFi Crypto Is Almost Sold Out as Phase 6 Hits 90%, The Next 20x Token Under $0.05?

The phase 6 of the Mutuum Finance (MUTM) presale is almost being sold out, and the hurry is becoming increasingly noisier. The token is currently valued only at $0.035 and more than 90% of this phase is already utilised, so early investors are becoming inclined to ask the question: is it the next 20x DeFi […]

Author: Cryptopolitan
Best Cryptos to Buy Now: Why XRP Tundra Tops Expert Recommendations

Best Cryptos to Buy Now: Why XRP Tundra Tops Expert Recommendations

The post Best Cryptos to Buy Now: Why XRP Tundra Tops Expert Recommendations appeared on BitcoinEthereumNews.com. The post Best Cryptos to Buy Now: Why XRP Tundra Tops Expert Recommendations appeared first on Coinpedia Fintech News Analysts reviewing the late-2025 landscape are shifting away from sentiment-heavy tokens and looking for systems with verifiable economics, transparent governance and predictable revenue distribution. This shift reflects a broader recalibration: investors are placing greater weight on whether a network can convert real activity into long-term returns rather than relying on market cycles alone. XRP Tundra now appears repeatedly across expert shortlists, not because of marketing momentum, but because its economic structure differs fundamentally from most presale or legacy assets. An institutional acquisition, strictly defined pricing, dual-chain execution and revenue-backed staking make it one of the few early-stage systems positioned for multi-year compounding rather than speculative acceleration. Institutional Control Establishes a Defined Economic Base XRP Tundra’s development changed trajectory after a major institution initiated an acquisition, accelerating the launch to December 15 and formalizing the pricing framework that governs its entry phase. The institution agreed to maintain a final $0.01 retail allocation before institutional pricing replaces it permanently, creating a transparent window that does not fluctuate with market conditions. The due-diligence cycle expanded the project’s verification stack. Independent audits from Cyberscope, Solidproof and FreshCoins accompany full KYC via Vital Block. Contracts are open-source, immutable and deployed with no administrative mint function. All unsold tokens will be burned at launch. For analysts, this creates a clearly defined economic environment — rare for early-phase projects. A breakdown of the acquisition’s implications appears in Token Empire’s recent coverage. Tundra’s Position as the XRPL’s DeFi Layer Is Becoming a Consensus View Experts consistently highlight one of Tundra’s core advantages: its architecture aligns with the XRPL’s emerging demand cycle. As the network moves toward a broader 2026 expansion, analysts expect substantial growth in settlement activity and demand…

Author: BitcoinEthereumNews
Three Altcoins That Look Deeply Discounted and Could Ride the Next Big Rally

Three Altcoins That Look Deeply Discounted and Could Ride the Next Big Rally

The post Three Altcoins That Look Deeply Discounted and Could Ride the Next Big Rally appeared on BitcoinEthereumNews.com. The post Three Altcoins That Look Deeply Discounted and Could Ride the Next Big Rally appeared first on Coinpedia Fintech News The crypto market has been rough lately, but one topic that has suddenly shown up in political conversations is the idea of a possible $2,000 stimulus check. President Trump is trying to boost liquidity in the economy while proving that his tariff policies are working, and this idea has returned as part of that discussion. Nothing is approved yet and no one expects checks this year, but people are talking about what could happen in 2026 if such a payout ever goes through. It has also sparked a simple question.  According to AltcoinBuzz, three projects are attracting more interest because their fundamentals remain strong even though the market is weak. Chainlink: A Quiet but Essential Player in Real World Assets Chainlink continues to feel like the silent backbone of the crypto industry. It does not rely on hype and most of its biggest work happens quietly with institutions and developers. Even so, its importance keeps growing because Real World Assets are becoming one of the strongest long term trends in the market. Everything from tokenized bonds to gold to real estate needs accurate data feeds. Chainlink provides that infrastructure and is still the most trusted oracle network. New ETFs listed with the DTCC are also expected to bring more structured and long term capital into the ecosystem. Despite all this progress, LINK has dropped with the broader market, making it a rare discount for investors who believe RWAs and DeFi will keep expanding. Bittensor: A Rising Force in Decentralized AI Bittensor and its TAO token have become one of the most talked about names in crypto AI. The network now supports more than one hundred AI subnets, with each…

Author: BitcoinEthereumNews
Top Crypto Update, MUTM’s Phase 6 Has Less Than 5% Remaining

Top Crypto Update, MUTM’s Phase 6 Has Less Than 5% Remaining

The post Top Crypto Update, MUTM’s Phase 6 Has Less Than 5% Remaining appeared on BitcoinEthereumNews.com. The post Top Crypto Update, MUTM’s Phase 6 Has Less Than 5% Remaining appeared first on Coinpedia Fintech News The crypto market is shifting rapidly toward utility-driven projects in 2025. Investors are focusing on platforms that deliver real value and continuous activity. Mutuum Finance (MUTM) is quickly emerging as one of the best crypto opportunities this year. Phase 6 of the presale is capturing massive attention. Less than 5% of the allocated 170 million tokens remain, driving urgent buying pressure. Market watchers are preparing for rapid participation as early investors aim to secure tokens before prices rise. Mutuum Finance (MUTM)’s Presale is Closing Fast Phase 6 of Mutuum Finance (MUTM) is priced at $0.035. The total supply will eventually reach 4B MUTMs and have already been releasing phases wise. Combined presale phases have raised approximately $18.90 million and more than 18,100 holders are already participating in the ongoing presale. With 95% of Phase 6 already sold, the remaining supply is extremely limited. Phase 7 will increase the price by 15% to $0.040, making this the final chance to acquire MUTM at the current rate. Investors taking part now will capture maximum potential upside before the price increases. Mutuum Finance (MUTM) is a next-generation lending protocol offering dual lending models: peer-to-contract (P2C) and peer-to-peer (P2P). The platform will focus on delivering practical value for lenders, borrowers, and stakers. Each token interaction inside the ecosystem will drive natural demand and reinforce MUTM’s utility. Why Is It Worth It? Real Activity Supporting Future Demand Mutuum Finance (MUTM) plans a synchronized launch, with the platform going live while the token listing occurs simultaneously. This approach will avoid inactive token periods that often occur in presales. Exchanges are expected to show strong interest because they prefer listing tokens backed by active platforms. Higher trading volume,…

Author: BitcoinEthereumNews
How Tundra’s Dual-Chain Model Beats Single Blockchain Limits

How Tundra’s Dual-Chain Model Beats Single Blockchain Limits

The post How Tundra’s Dual-Chain Model Beats Single Blockchain Limits appeared on BitcoinEthereumNews.com. XRP Latest News: How Tundra’s Dual-Chain Model Beats Single Blockchain […] XRP Latest News: How Tundra’s Dual-Chain Model Beats Single Blockchain Limits   Recent XRP headlines have been dominated by a surge of institutional ETF approvals, marking the most significant shift in the asset’s market structure since the earliest phases of XRPL adoption. 21Shares secured automatic clearance through an SEC Form 8-A filing, preparing its TOXR product for listing on Cboe. Bitwise confirmed its own offering will begin trading on NYSE Arca under the XRP ticker, while Franklin Templeton’s XRPZ gained attention for its 0.19% management fee — the lowest among the first issuers. Grayscale is finalizing its entry with a competing structure expected to go live next week. These launches create regulated access for institutions that cannot hold raw digital assets directly, expanding XRP participation across pension administrators, sovereign vehicles and traditional AUM platforms. As the market concentrates on ETF flows, listing mechanics and fee structures, a parallel development is underway within the XRPL ecosystem. XRP Tundra, now operating under an ongoing institutional acquisition, has accelerated its launch to December 15 and is preparing the network’s first dual-chain DeFi architecture. The liquidity expansion expected from ETF trading directly strengthens the revenue pathways that support Tundra’s staking engine, creating a secondary demand cycle that remains largely overlooked by retail investors. ETF Approvals Reshape XRPL Liquidity and Institutional Access The introduction of multiple XRP ETFs marks a structural milestone similar to Bitcoin’s 2024 inflow cycle, which demonstrated how regulated access transforms market behavior. Trading venues such as Cboe and NYSE Arca enable institutions bound by compliance restrictions to deploy capital into XRP through familiar investment wrappers. These flows tend to exhibit low turnover, extended holding periods and predictable rebalancing cycles, all of which deepen the liquidity profile of the underlying asset.…

Author: BitcoinEthereumNews
XRP Latest News: How Tundra’s Dual-Chain Model Beats Single Blockchain Limits

XRP Latest News: How Tundra’s Dual-Chain Model Beats Single Blockchain Limits

XRP ETF approvals expand institutional access, while Tundra’s dual-chain architecture positions the XRPL for its next phase of liquidity growth and revenue-backed staking.

Author: Brave Newcoin
Bitwise CIO: Structural Drags May Outweigh Paths for DATs to Boost Bitcoin Per Share

Bitwise CIO: Structural Drags May Outweigh Paths for DATs to Boost Bitcoin Per Share

The post Bitwise CIO: Structural Drags May Outweigh Paths for DATs to Boost Bitcoin Per Share appeared on BitcoinEthereumNews.com. Digital asset treasuries (DATs) face structural drag from illiquidity, high expenses, and execution risks, making it unlikely for most to sustain premiums over their crypto holdings. Only exceptional firms with effective strategies like token lending or discounted buys can overcome these challenges and trade at a premium. Illiquidity creates automatic discounts as investors avoid paying […] Source: https://en.coinotag.com/bitwise-cio-structural-drags-may-outweigh-paths-for-dats-to-boost-bitcoin-per-share

Author: BitcoinEthereumNews
Funding Weekly Report | 18 publicly disclosed funding events; prediction market platform Kalshi completes $1 billion funding round, reaching a new valuation of $11 billion.

Funding Weekly Report | 18 publicly disclosed funding events; prediction market platform Kalshi completes $1 billion funding round, reaching a new valuation of $11 billion.

Highlights of this episode According to incomplete statistics from PANews, there were 18 investment and financing events in the global blockchain sector last week (November 17-23), with a total funding scale exceeding US$1.334 billion; in addition, listed companies raised over US$300 million in cryptocurrency asset reserves. A summary is as follows: In the DeFi sector, six investment and financing events were announced, including the completion of a new $7 million financing round for RateX, a yield trading protocol in the Solana ecosystem, with participation from Animoca Ventures and others. Two investment and financing events were announced in the Web3+AI sector. Among them, ZENi, an AI agent intelligent data layer, completed a $1.5 million seed round of financing, led by Waterdrip Capital and Mindfulness Capital. Three investment and financing events were announced in the infrastructure & tools sector, among which CratD2C, a Layer 1 decentralized autonomous smart chain, received a strategic investment of $30 million from Nimbus Capital; Three investment and financing events were announced in the centralized finance sector, including the completion of a €30 million Series A funding round by French crypto bank and fintech company Deblock. In the area of other Web3 applications, four investment and financing events were announced, including the completion of a $10 million Series A funding round for Web3 game WizzWoods, led by Animoca and IVC; In addition, one publicly traded company completed a financing round for its crypto treasury strategy: Onfolio Holdings raised $300 million. DeFi DeFi platform TRONBANK has secured strategic investments from multiple institutions, with BlockX leading the $10 million round. TronBank, a TRON ecosystem infrastructure provider, announced that it has secured strategic investment from five international institutions, with BlockX leading the $10 million round. Other participating institutions include Sky Venture Labs, K300 Ventures, Blockin.Ventures, and Onebit Ventures. TronBank is a DeFi platform on the TRON blockchain, providing energy leasing, TRX staking, and on-chain yield services through secure and transparent smart contracts. TronBank currently focuses on three main areas: energy leasing, TRX staking finance, and yield optimization mechanisms. RateX, the revenue-sharing protocol for the Solana ecosystem, has raised $7 million in new funding, with participation from Animoca Ventures and others. RateX, the revenue-sharing protocol for the Solana ecosystem, has raised a total of $10.4 million in funding over the past two years. Its latest funding round raised $7 million, with investors including Animoca Ventures, ECHO, GSR, Crypto.com Capital, Gate, Rzong Capital, BGX Capital, and Summer Capital. The protocol, as described, helps users trade and manage profits through tokenized financial products. The recently launched Mooncake upgrade supports trading of leveraged tokens without liquidation. In June of this year, the US-listed DeFi Development Corp. strategically integrated its staked tokens with the RateX ecosystem to obtain additional yield strategies. HelloTrade, a blockchain trading platform founded by a former BlackRock executive, has raised $4.6 million in funding, led by Dragonfly Capital. HelloTrade, a blockchain trading platform founded by former BlackRock executives, has completed a $4.6 million Series A funding round, led by Dragonfly Capital, with participation from Mirana Ventures and several angel investors. The company was co-founded by Kevin Tang, former Senior Director of BlackRock's Digital Assets team, and Wyatt Raich, former Head of Engineering at the Digital Asset Labs. Its aim is to provide overseas investors in Vietnam, Indonesia, and other countries with convenient access to US stocks and commodities through blockchain technology. The platform will support derivatives such as perpetual futures and is scheduled to launch between the end of this year and early next year. Mu Digital has raised $1.5 million in Pre-Seed funding to focus on bringing high-yield credit from Asia onto the blockchain. Mu Digital has announced the completion of a $1.5 million Pre-Seed funding round, with investors including UOB Venture Management, Signum Capital, CMS Holdings, Cointelegraph Accelerator, and Echo. Mu Digital focuses on bringing real-world assets from Asia's $20 trillion credit market onto the blockchain and plans to launch its Monad mainnet on November 24th. Products include the Asia Dollar (AZND), offering yields of 6-7%, and muBOND, offering yields up to 15%. Takadao completes $1.5 million seed funding round and launches LifeCard for stablecoin spending. Takadao, a Riyadh-based Saudi Arabian Web3 financial platform with offices in Singapore, announced the completion of a $1.5 million seed funding round. Investors included Hasan VC (Malaysia), Syla Invest (France), Wahed Ventures (UK), Ice Blue Fund (Japan), Istari Ventures (USA), Adverse (Saudi Arabia), and Draper Associates from Silicon Valley. This brings its total funding to approximately $3.1 million (including previous pre-seed rounds and other investments). In addition, Takadao launched LifeCard—a prepaid VISA card that allows users to use stablecoins like cash at any VISA-enabled location. USD.AI development team Permian Labs announced it has received investment from Coinbase Ventures. Permian Labs, the development team behind USD.AI, announced it has received investment from Coinbase Ventures, though the specific amount was not disclosed. USD.AI is a structured on-chain lending system that connects decentralized liquidity with real-world financing for GPU infrastructure that supports artificial intelligence. Permian Labs is responsible for developing and maintaining the USD.AI protocol, which aims to facilitate on-chain secured lending operations using verifiable productive assets as collateral. USD.AI also issues the stablecoin USDai and the yield-generating sUSDai, both of which form the basis of the protocol. AI Numerai completes $30 million funding round at a $500 million valuation. Numerai, an AI-powered decentralized hedge fund, has raised $30 million at a $500 million valuation, led by a university endowment fund. This represents a five-fold increase in valuation compared to its previous round in 2023. Existing investors, including Union Square Ventures, Shine Capital, and Paul Tudor Jones, also participated in this round. ZENi, an AI-powered agent intelligent data layer, has raised $1.5 million in seed funding, led by Waterdrip Capital and others. ZENi, an AI agent intelligent data layer, announced the completion of a $1.5 million seed funding round led by Waterdrip Capital and Mindfulness Capital, with participation from Rootz Labs, Attention Ventures, DePIN-X, and Metalabs Ventures. ZENi is described as an intelligent data layer supporting AI agents and the emerging InfoFi economy. It plans to build the data intelligence backbone upon which AI agents rely, transforming online and on-chain signals into structured intelligent information and enabling automated execution. Infrastructure & Tools CratD2C, a Layer 1 decentralized autonomous smart chain, has received a $30 million strategic investment from Nimbus Capital. CratD2C, a Layer 1 decentralized autonomous smart chain (DASC), has secured $30 million in strategic investment from private alternative investment group Nimbus Capital. This funding will strengthen CratD2C's global infrastructure, expand its diverse "12+1" ecosystem, and accelerate the rollout of its flagship product within the network. CratD2C is described as an EVM-compatible Layer-1 blockchain supporting an interconnected ecosystem encompassing e-commerce, real estate, DeFi, and asset tokenization. CratD2C is based on a DPoS mechanism and has been audited by CertiK and Hacken. 0xbow, a compliant privacy protocol provider, has raised $3.5 million in seed funding, led by Starbloom Capital. 0xbow, a developer of compliant privacy protocols, announced the completion of a $3.5 million seed funding round led by Starbloom Capital, with participation from Coinbase Ventures, Boost VC, Status, and several other well-known investors. 0xbow's Privacy Pools protocol, launched in March 2025, achieves on-chain privacy and regulatory compatibility through zero-knowledge proofs and a real-time compliance layer (ASP), and has processed over $6 million in transactions to date. The protocol was recently integrated into Kohaku, a wallet launched by the Ethereum Foundation. Tether announced an investment in Parfin, accelerating USDT adoption by institutional users in Latin America. Stablecoin issuer Tether announced an investment in Parfin, aiming to accelerate institutional adoption of its USDT stablecoin and enhance Latin America's access to efficient blockchain settlement solutions. Parfin is described as a Latin American digital asset custody, tokenization, trading, and management platform that provides financial institutions with tools to securely explore the potential of digital assets and blockchain technology. DAT (These types of transactions are not included in this week's financing report statistics) Onfolio Holdings, a publicly traded company, raised $300 million to build a digital asset reserve. Onfolio Holdings Inc. (Nasdaq: ONFO, ONFOW) announced that it has secured up to $300 million in financing through a convertible bond arrangement with a U.S. institutional investor. This agreement provides Onfolio with substantial long-term capital to build its digital asset treasury (including Bitcoin, Ethereum, and Solana), generate yield through staking, strengthen its balance sheet, and accelerate the growth of its operations. The initial transaction terms are as follows: $6 million in gross proceeds will be raised upon the first closing approximately November 18, 2025 (subject to customary conditions). An additional $2 million is expected to be raised upon the second closing approximately 30 days later. Potential future tranches of financing could reach up to $292 million, subject to certain conditions. Centralized Finance Kraken receives $200 million investment from Citadel Securities, raising its valuation to $20 billion. US cryptocurrency exchange Kraken has secured a $200 million strategic investment from Citadel Securities, raising its valuation to $20 billion. This funding round follows its $600 million round completed in September, which valued the company at $15 billion. Investors include Jane Street, DRW, and Oppenheimer. Kraken plans to use the funds for global expansion, payment product development, and preparations for an IPO next year. Citadel founder Ken Griffin has historically held a cautious stance on the cryptocurrency market, and this move is seen as a key signal of a shift in his attitude towards digital assets. Crypto banking and fintech company Deblock has raised €30 million in Series A funding, led by Speedinvest. French crypto-bank fintech company Deblock has raised €30 million in Series A funding to support its expansion in Europe, with Germany set to become its next core market. The round was led by Speedinvest, with participation from Commerz Ventures and Latitude, and existing investors 20VC, Headline, Chalfen Ventures, and Kraken Ventures also participating. Since its launch in France in April 2024, Deblock has amassed over 300,000 users. It offers Europe's first fully on-chain banking solution, including a regulated EMI euro account and a 100% self-custodied crypto wallet. Users can manage fiat currency and digital assets on a single platform, trade over 100 cryptocurrencies without restrictions, and use the funds for everyday payments such as rent, shopping, and cross-border transfers. Tether announces strategic investment in Bitcoin lending marketplace Ledn Tether announced a strategic investment in Ledn, a Bitcoin-secured lending marketplace, to expand its Bitcoin-secured lending business opportunities. Ledn's infrastructure encompasses custody, risk management, and clearing systems. Since its inception, Ledn has issued over $2.8 billion in Bitcoin-secured loans, including over $1 billion in 2025, marking its strongest annual performance to date. In the third quarter of 2025 alone, Ledn issued $392 million in loans, nearly matching its total for the entire year of 2024. The company now reports that its annual recurring revenue (ARR) has exceeded $100 million, highlighting the continued growth in market demand for secure Bitcoin-secured lending products. other Predicting the market: Kalshi raised $1 billion in funding at a valuation of $11 billion, led by Sequoia and CapitalG. Prediction market platform Kalshi has completed a $1 billion funding round, valuing the company at $11 billion, led by Sequoia and CapitalG. This round comes less than two months after its previous $300 million funding round at a $5 billion valuation. Kalshi allows users to place bets on various events and operates within legal boundaries, with annualized trading volume exceeding $50 billion. Its main competitor, Polymarket, is also reportedly planning a funding round at a valuation of $12-15 billion. FastX Network Raises $3 Million in Funding FastX Network has completed a $3 million funding round, led by IBC Group, Castrum Partner, Alpha Capital, Gemhead, and TBV Partner. FastX Network is an AI-driven decentralized prediction market that uses custom LLM models for cryptographic predictions and integrates real-time data. It is accessible via a web page and a Telegram bot. Web3 games: Web3 game WizzWoods raises $10 million in Series A funding. Web3 gaming project WizzWoods announced the completion of a $10 million Series A funding round, led by Animoca Brands and Infinity Ventures Crypto (IVC), with participation from several angel investors. This funding round will accelerate product development and drive WizzWoods' growth in the Web3 gaming sector. Blockchain-based shooter game XOCIETY has raised $1.6 million, led by Neoclassic Capital and Winguard. Blockchain-based shooter XOCIETY has raised $1.6 million to prepare for an Early Access launch on the Epic Games Store in November 2025. The funding round, announced on November 19th, was led by Neoclassic Capital and Winguard. The funds will be used to expand the Sui blockchain infrastructure and support XOCIETY's growth within the broader Web3 gaming ecosystem. Venture capital firms New crypto incubator Obex has raised $37 million to support yield-generating stablecoins. In an interview, the team behind the new crypto incubator Obex announced that it has raised $37 million to support the development of a next-generation yield-generating stablecoin led by Framework Ventures, LayerZero, and the Sky ecosystem. The initiative aims to invest in and fund projects that bring real-world asset-backed strategies to on-chain, introducing institutional-grade risk control and underwriting practices to this rapidly evolving field. Obex will become Sky's latest fund allocator, providing financial support to help the project scale from the protocol's large reserves and generate yields through strategies. The program will focus on stablecoins backed by high-quality real-world assets, with a particular emphasis on three core areas: computational credit (such as tokenized GPU infrastructure), energy assets (such as municipal-grade solar and battery deployments), and lending to large fintech companies. The incubator will provide early-stage teams with funding, technical resources, and access to Sky infrastructure for 12-week projects.

Author: PANews