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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.

15325 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Arkade Launches As Bitcoin’s First Major Layer-2 In A Decade

Arkade Launches As Bitcoin’s First Major Layer-2 In A Decade

The post Arkade Launches As Bitcoin’s First Major Layer-2 In A Decade appeared on BitcoinEthereumNews.com. Bitcoin may be the world’s most secure digital asset, but for years its base layer has limited the kinds of financial applications developers could build on it.  That changes with the launch of Arkade, the first significant Bitcoin layer-2 solution since the Lightning Network nearly a decade ago. Developed by Ark Labs, the protocol enters public beta with a bold mission: to turn Bitcoin into a programmable financial platform without compromising the security that has made it “digital gold,” according to a note shared with Bitcoin Magazine.  Arkade builds on the Ark protocol, first introduced two years ago, which promised a new way to scale Bitcoin while unlocking new applications.  The launch also introduces Arkade Assets, a native multi-asset framework designed to bring stablecoins and other tokens to Bitcoin’s execution layer, including planned support for Tether (USDT). For an ecosystem long dominated by Ethereum and other chains when it comes to decentralized finance, this is a notable step toward putting advanced financial tools back on Bitcoin. “The Bitcoin L2 landscape has been full of promises but light on shipping,” said Marco Argentieri, CEO of Ark Labs. “Today’s release marks the beginning of Bitcoin’s evolution as programmable money.” Technical and cultural Bitcoin norms The challenge Ark Labs is addressing is both technical and cultural. Bitcoin’s base layer is intentionally conservative, prioritizing security and censorship resistance over complex programmability.  While Lightning offered off-chain payments, other financial applications — lending, trading, or structured derivatives — required workarounds such as wrapped tokens or custodial platforms.  Arkade attempts to take a different approach: instead of altering Bitcoin’s consensus rules or creating separate chains, it virtualizes Bitcoin’s UTXO-based transaction system, preserving its security while enabling new capabilities. Developers can now build sophisticated financial applications directly on Bitcoin: lending protocols, trading platforms, smart wallets, and yield products…

Author: BitcoinEthereumNews

2025/10/21

U.S. banks stuck on collateral talks as $20 billion Argentina loan nears finalization

U.S. banks stuck on collateral talks as $20 billion Argentina loan nears finalization

U.S. banks, including JPMorgan, Goldman Sachs, and Citigroup, seek collateral before finalizing a $20 billion loan to Argentina.

Author: Cryptopolitan

2025/10/21

Maple and Aave bring institutional credit to DeFi lending

Maple and Aave bring institutional credit to DeFi lending

Aave is onboarding structured-yield tokens backed by real-world assets onto its lending protocol by teaming up with Maple. As institutional appetite for DeFi grows, major players are making moves. On Tuesday, October 21, on-chain asset manager Maple and decentralized lending…

Author: Crypto.news

2025/10/21

Maple and Aave Team Up to Bring Institutional Assets to DeFi Lending Markets

Maple and Aave Team Up to Bring Institutional Assets to DeFi Lending Markets

The post Maple and Aave Team Up to Bring Institutional Assets to DeFi Lending Markets appeared on BitcoinEthereumNews.com. Maple’s institutional-grade assets will be integrated into Aave’s $40 billion lending protocol. Maple Finance, an on-chain asset manager overseeing more than $3.1 billion, and Aave, the largest decentralized finance (DeFi) lending protocol, announced on Tuesday a strategic partnership to bring institutional-grade assets into Aave’s lending markets. Initial integrations will include syrupUSDT on Aave’s Plasma instance, followed by syrupUSDC on the core market, with additional Maple assets to be added over time, according to a press release viewed by The Defiant. Aave is currently the largest DeFi protocol with a total value locked (TVL) of over $40 billion. The collaboration aims to stabilize borrow demand, improve capital efficiency, and strengthen liquidity within Aave’s variable lending model, according to a press release viewed by The Defiant. “This collaboration between Maple and Aave marks a meaningful evolution in how institutional capital interacts with decentralized markets,” Sid Powell, CEO and co-founder of Maple Finance, told The Defiant. “By introducing curated institutional yield into Aave’s liquidity pools, we’re creating new ways for capital to move efficiently and transparently on-chain.” Powell added that the move also reflects the growing maturity of DeFi, as established protocols work in tandem to “build infrastructure that can support real institutional participation.” The broader DeFi market has recorded massive growth from this time last year, with TVL increasing by 76% to $160 billion today. Tuesday’s announcement follows a series of moves by Maple to expand its DeFi footprint. On Monday, Maple’s syrupUSDC token was listed on Fluid, a decentralized liquidity platform. The asset can now be used as collateral across multiple stablecoin pairs, including USDC, USDT, and GHO, with up to 90% loan-to-value (LTV) and a 1% USDC reward incentive, according to an X post by Fluid. In June, Maple announced a separate partnership with Lido Finance to provide stablecoin credit…

Author: BitcoinEthereumNews

2025/10/21

Ethereum Price Slips But These Developments Hint at a Robust ETH Recovery

Ethereum Price Slips But These Developments Hint at a Robust ETH Recovery

The post Ethereum Price Slips But These Developments Hint at a Robust ETH Recovery appeared on BitcoinEthereumNews.com. Key Insights: Ethereum price fell 4.73% in 24 hours and 4.22% over the past week. ETH funds recorded about $205M weekly inflows; AUM stood near $34.5B. Ethereum DeFi held roughly $86B TVL; stablecoin supply was about $163B. On October 21, 2025, the Ethereum price was around $3,884 at the time of writing. The token dropped 4.73% in the last 24 hours and 4.22% over the past week, extending its one-month decline to about 13.37%. However, despite the dip, the large holders remained confident, and fund inflows rose as Ethereum’s DeFi base stayed active. Ethereum Price Dips, Can it Recover? The market treated the $4,000 mark as a short-term ceiling in recent sessions of Ethereum price. ETH price attempts failed several times at that level. Traders said the zone near $3,900 acted as a weak support. The broader structure reflected a market in consolidation after several weeks of decline. Market structure often changed when resistance turned into support. That shift usually signaled improving demand, though recent weakness showed uncertainty around the current zone. Whales, or large holders, added exposure during this consolidation of Ethereum. Their activity is often clustered at major levels. Funds and on-chain data pointed to the same picture. The accumulation trend supported the broader backdrop for ETH. Additional context helped explain why these levels mattered. Support described a price area where buyers outnumbered sellers. Resistance is the opposite condition. Prior resistance often became new support after a breakout. That flip suggested that fresh buyers stepped in near the old ceiling. It also suggested that earlier sellers had reduced pressure. ETH Price Finds Support Near $3,900 BitMine said it purchased more than 200,000 ETH last week. The firm disclosed the buys early Monday, citing execution across several wallets. On-chain watchers linked three new addresses to BitMine. Those addresses received…

Author: BitcoinEthereumNews

2025/10/21

Ripple CTO David Schwartz Joins Another Company In New Leadership Role

Ripple CTO David Schwartz Joins Another Company In New Leadership Role

Ripple’s longtime chief technologist David “JoelKatz” Schwartz has unveiled his first post-Ripple move, saying he will serve as a strategic advisor to Evernorth, an XRP-focused vehicle led by former Ripple executive Asheesh Birla. “XRP community – I promised I’d have an update on my next adventure soon right? Well here’s the start: I’ll be a […]

Author: Bitcoinist

2025/10/21

Breaking News: Ozak AI Surpasses $3.7M Raised—Why This AI Token Is Bucking the Downtrend in a Volatile Crypto Market

Breaking News: Ozak AI Surpasses $3.7M Raised—Why This AI Token Is Bucking the Downtrend in a Volatile Crypto Market

In a market where even strong projects are struggling to stay afloat, Ozak AI has quietly done what few others have managed. It has crossed the $3.74 million mark in its ongoing story worth following. That said, what is happening with Ozak AI is not luck. It is timing, structure, and strategy rolled into one. […] The post Breaking News: Ozak AI Surpasses $3.7M Raised—Why This AI Token Is Bucking the Downtrend in a Volatile Crypto Market appeared first on Live Bitcoin News.

Author: LiveBitcoinNews

2025/10/21

Bitcoin and Ethereum Market Drops: Why Ozak AI Emerges as a Strong Price Prediction Contender for 2026

Bitcoin and Ethereum Market Drops: Why Ozak AI Emerges as a Strong Price Prediction Contender for 2026

The crypto market crash has spread far into the most established digital assets in a twist of events that most people did not anticipate. The two biggest cryptocurrencies by market capitalization, Bitcoin and Ethereum, have experienced sharp falls. Following this fall, this change in investor sentiment is changing the next point of capital flow, with […] The post Bitcoin and Ethereum Market Drops: Why Ozak AI Emerges as a Strong Price Prediction Contender for 2026 appeared first on Live Bitcoin News.

Author: LiveBitcoinNews

2025/10/21

Three best cryptos to buy now for long-term holding, MUTM is leading

Three best cryptos to buy now for long-term holding, MUTM is leading

The crypto market in 2025 has entered a powerful new cycle, reigniting excitement among long-term investors. Ethereum (ETH) and Solana (SOL) continue to dominate the charts, each holding a proven track record of scalability, adoption, and institutional confidence. Yet, a new contender has entered the spotlight — Mutuum Finance (MUTM). It has swiftly become the next big crypto on every watchlist, drawing intense attention for its advanced lending ecosystem and early presale opportunity that still offers room for exponential growth.While ETH and SOL have already matured into established assets, Mutuum Finance (MUTM) stands out as the fresh entry with a fast-rising valuation. It has introduced one of the most utility-driven ecosystems in decentralized finance, where users will stake, lend, and borrow through a model designed for sustainable revenue and buyback-driven token demand. The project’s presale has already attracted thousands of holders, with experts pointing toward a strong 10x to 20x ROI range once the token lists on exchanges.ETHEthereum (ETH) continues to maintain its position as the backbone of decentralized finance. With ETF inflows and institutional adoption growing, ETH is expected to double or triple its value in the next cycle. However, its current price per coin limits accessibility for smaller investors, and the upside from its already-mature valuation remains moderate compared to earlier years.The current price is around $3,965. The first target zone is between $4,280 and $4,320, which matches the initial resistance level seen on the chart. After a confirmed breakout and retest, this area could see some profit-taking or a short-term pullback. The second target zone is between $4,550 and $4,600, which represents the upper resistance level based on the Ichimoku cloud’s future projection and past price highs.SOLSolana (SOL), on the other hand, remains one of the most technically advanced Layer-1 blockchains, recognized for its fast throughput and active developer ecosystem. SOL is expected to deliver long-term gains, possibly in the 4x to 6x range, but the entry point today offers less explosive potential than what new-generation protocols like Mutuum Finance (MUTM) currently provide. The market has seen this pattern before — smaller-cap projects with real-world utility tend to outperform blue-chip cryptos during early growth phases.MUTM — The rising star of 2025 presale boomMutuum Finance (MUTM) is now in Phase 6 of its presale, priced at $0.035, with around 72% of its 170 million supply already sold. More than 17,400 holders have joined, contributing to a total raise of approximately $17.68 million. The next phase will increase the price to $0.040, signaling a 15% rise that has created strong FOMO among investors looking to buy before the next stage.An investor who entered in Phase 1 at $0.01 with $2,000 now holds tokens valued at $7,000 at today’s price, showing a direct, measurable rise in value within months. As the presale advances toward completion, this same holding will cross $200,000 once MUTM reaches the targeted $1 mark post-listing. This kind of growth trajectory has made it one of the most attractive crypto coins in the market, especially for those who understand the power of early positioning.Mutuum Finance (MUTM) will power a full-scale decentralized lending and borrowing system combining two models — Peer-to-Contract (P2C) and Peer-to-Peer (P2P). Through P2C, lenders will supply liquidity in stablecoins such as DAI, and USDD, as well as blue-chip tokens like ETH and SOL. For instance, lending $15,000 USDT will yield an annual return of roughly $2,250 at an average APY of 15%. Borrowers will enjoy efficient access to capital by posting assets like ETH as collateral and borrowing up to 75% of its value.The P2P layer will target higher-risk, less-liquid tokens such as DOGE, PEPE, FLOKI, and similar assets. These peer-based arrangements will allow lenders and borrowers to negotiate rates directly, enabling higher yield opportunities while isolating the risk away from the main liquidity pools. This approach provides both scalability and safety — two elements often missing in early-stage DeFi projects.One of Mutuum’s most defining mechanics will be its buy-and-distribute system. Platform-generated revenue will be used to buy back MUTM tokens from the open market and distribute them to mtToken stakers as rewards. This creates continuous buying pressure and a compounding incentive loop for long-term participants. The initial mainnet will roll out in stages, beginning with a launch of the protocol on Sepolia testnet in Q4 2025, featuring ETH and USDT as lending/borrowing/collateral, mtToken issuance, Debt Tokens, and the Liquidator Bot.Community, security, and roadmap confidenceMutuum Finance (MUTM) has established credibility through a strong security-first approach. The protocol has undergone a detailed audit by CertiK, achieving a TokenScan score of 90 and a Skynet score of 79. Alongside this, a $50,000 bug bounty program incentivizes ethical hackers to identify vulnerabilities early, with tiered rewards up to $2,000 for critical findings. An ongoing $100,000 giveaway, where ten winners will each receive $10,000 in MUTM tokens, has further energized community engagement. Over 12,000 followers now support the project on Twitter, and its 24-hour leaderboard rewards top daily users with $500 in MUTM, adding a gamified layer of excitement.The roadmap remains ambitious yet structured — testnet deployment, exchange listings, regulatory alignment, and eventual multi-chain expansion are all planned milestones.Final verdict — MUTM leads the packEthereum (ETH) and Solana (SOL) are still good long-term investments, but Mutuum Finance (MUTM) is getting a lot of attention as the next big crypto that will change the industry in 2025. It is a top choice for investors looking for the next 10x opportunity because of its successful presale, unique lending ecosystem, buy-and-distribute incentive scheme, and upcoming launch date.This might be your last chance to get in before the price goes up again and the valuation curve gets steeper. In the long run, ETH and SOL are the past of crypto coins, but Mutuum Finance (MUTM) is the future of crypto coins.For more information about Mutuum Finance (MUTM) visit the links below:Website: https://www.mutuum.comLinktree: https://linktr.ee/mutuumfinanceThe post Three best cryptos to buy now for long-term holding, MUTM is leading appeared first on Invezz

Author: Coinstats

2025/10/21

4 Top Cryptos That Could See 100X in 2025 and Beyond

4 Top Cryptos That Could See 100X in 2025 and Beyond

The crypto market is growing fast, and many investors are looking for the next coin that could multiply their money 100 times. With new projects offering real technology, strong communities, and fresh ideas, 2025 could bring another major bull run.  Factors like wider adoption, supportive regulations, and innovations like AI and Layer-2 are already helping […]

Author: The Cryptonomist

2025/10/21

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