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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.

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Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
PBOC sets USD/CNY reference rate at 7.0754 vs. 7.0794 previous

PBOC sets USD/CNY reference rate at 7.0754 vs. 7.0794 previous

The post PBOC sets USD/CNY reference rate at 7.0754 vs. 7.0794 previous appeared on BitcoinEthereumNews.com. On Wednesday, the People’s Bank of China (PBOC) sets the USD/CNY central rate for the trading session ahead at 7.0754 compared to the previous day’s fix of 7.0794. 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-70754-vs-70794-previous-202512030115

Author: BitcoinEthereumNews

2025/12/03

Rizzmas Solana Meme Coin Surges 54% Amid Holiday Plans, Potential for Further Growth

Rizzmas Solana Meme Coin Surges 54% Amid Holiday Plans, Potential for Further Growth

The post Rizzmas Solana Meme Coin Surges 54% Amid Holiday Plans, Potential for Further Growth appeared on BitcoinEthereumNews.com. The Rizzmas meme coin has surged over 600% in 2025, reaching a market cap of $4.38 million amid the holiday season. Created on Solana’s Pump.fun platform, it embodies festive charisma and community-driven growth, with recent initiatives like merchandise and token burns boosting its appeal for traders. Rizzmas token hits $4.38 million market cap after 54% surge on Tuesday. Community team launches iOS mini-game and merchandise to sustain momentum. From a March low of $602,150, the coin has grown 600%, per DEX Screener data, with plans for billboards and collaborations ahead. Discover the Rizzmas meme coin’s festive surge on Solana, up 600% in 2025 to $4.38M. Explore community efforts and holiday hype driving this charismatic token’s revival. Stay updated on crypto trends today. What is the Rizzmas Meme Coin and Its Recent Performance? The Rizzmas meme coin is a Solana-based token launched on the Pump.fun platform, blending holiday cheer with Gen Z slang for charisma. It experienced a dramatic revival in 2025, soaring more than 600% from a March low of $602,150 to a market cap of $4.38 million, according to DEX Screener. This surge, which peaked at 54% on Tuesday before a slight 12% pullback to $3.82 million, reflects renewed community enthusiasm as Christmas approaches. How Has the Rizzmas Community Evolved the Token Beyond Seasonal Hype? The Rizzmas team has worked diligently to extend the token’s lifespan past typical event-driven meme coin volatility. Originally peaking at $94.26 million in late November 2024 before crashing 98% to $1.76 million by early 2025, it remained dormant until recent efforts revitalized it. The community takeover (CTO) group introduced an iOS mini-game app that generates ad revenue for burning Rizzmas tokens, released branded merchandise, and began producing Christmas-themed content to engage users. These initiatives aim to position Rizzmas as a sustainable project in a…

Author: BitcoinEthereumNews

2025/12/03

Brazil Court Sentences 14 for $95M Drug Laundering Scheme Involving Bitcoin

Brazil Court Sentences 14 for $95M Drug Laundering Scheme Involving Bitcoin

The post Brazil Court Sentences 14 for $95M Drug Laundering Scheme Involving Bitcoin appeared on BitcoinEthereumNews.com. In a landmark ruling, a federal court in Brazil sentenced 14 individuals to prison for laundering over 508 million reais ($95 million) using shell companies and cryptocurrencies like Bitcoin, derived from drug trafficking and violent crimes. The operation, known as Terra Fértil, exposed a multi-state network that disguised illicit funds through fake businesses and digital assets. Brazil crypto money laundering scheme involved 14 convicted individuals using shell companies to hide $95 million from drug trafficking. The network operated across states like Minas Gerais and Paraná, employing Bitcoin and other crypto for anonymous transfers. Sentences ranged from 8 to 21 years, with courts ordering full restitution of laundered amounts based on forensic evidence. Brazil crypto money laundering case: Federal court jails 14 for $95M scheme using Bitcoin and shells from drug crimes. Uncover details on this crackdown. Stay informed on crypto risks—read more now. What is the Brazil Crypto Money Laundering Case? Brazil crypto money laundering case refers to a major federal investigation and conviction involving a criminal network that laundered over 508 million reais ($95 million) from international drug trafficking and violent property crimes. The scheme, uncovered through Operation Terra Fértil, utilized shell companies and cryptocurrencies like Bitcoin to obscure the origins of illicit funds. This multi-year effort by authorities dismantled a structured organization spanning multiple Brazilian states. How Did the Criminals Use Cryptocurrencies in This Scheme? The criminals in the Brazil crypto money laundering case integrated digital assets into their operations to facilitate anonymous and rapid fund transfers. According to Federal Police investigations, the group transferred large sums to the crypto market, leveraging Bitcoin’s pseudonymity to move money across borders without traditional banking scrutiny. This method complemented their use of a parallel international compensation system, known as cable dollars, allowing them to fractionalize transactions and avoid detection. Forensic analysis…

Author: BitcoinEthereumNews

2025/12/03

Strategy CEO Responds to Claims That They Will Sell Bitcoin – Previously, There Had Been a Major Controversy

Strategy CEO Responds to Claims That They Will Sell Bitcoin – Previously, There Had Been a Major Controversy

The post Strategy CEO Responds to Claims That They Will Sell Bitcoin – Previously, There Had Been a Major Controversy appeared on BitcoinEthereumNews.com. Strategy (formerly MicroStrategy) CEO Phong Le evaluated the company’s Bitcoin strategy, dividend policy, and new business models that may come up in the future in an interview with Bloomberg Crypto. Le stated that the company has no plans to sell BTC despite the sharp price fluctuations, and added that they aim to continue dividend payments “indefinitely, as much as possible.” According to Bloomberg, the company may also consider Bitcoin lending in the future when favorable market conditions arise. In the interview, Le returned to the Bitcoin purchases initiated by Michael Saylor in 2020, stating that the company’s long-term vision remains unchanged, with BTC remaining the primary treasury reserve. While the strategy has established a dollar reserve for short-term liabilities, it plans to use this reserve as a buffer for dividend and interest payments rather than selling Bitcoin. “We won’t sell Bitcoin unless absolutely necessary,” Le said. “We currently have enough dollar reserves to cover two to three years of dividends, and we’ve strengthened that even further.” Addressing the controversy surrounding the company’s dividend policy, the CEO stated that suspending payments would create significant distrust among investors. He stated, “I would never say never, but our goal is to pay dividends indefinitely. This is important for the company, our investors, and the Bitcoin ecosystem.” Le also defended the claims of an “overly leveraged structure” circulating in the market as false. The CEO noted that Strategy’s leverage ratio, currently at 12% and including preferred stock, rises to 27%, well below the average for publicly traded companies in the US. “There was a huge misconception in the market that our company wouldn’t be able to pay dividends or would be forced to sell Bitcoin,” he said. “We’ve cleared that up,” he said. Another notable part of the interview concerned Bitcoin lending. Responding to…

Author: BitcoinEthereumNews

2025/12/03

Strategic Shift: Aave Community Weighs Shutting Down Low-Profit Multichain Services

Strategic Shift: Aave Community Weighs Shutting Down Low-Profit Multichain Services

BitcoinWorld Strategic Shift: Aave Community Weighs Shutting Down Low-Profit Multichain Services The decentralized finance (DeFi) landscape is evolving from rapid expansion to strategic refinement. In a significant move, the Aave community is now actively debating a proposal to streamline its operations by potentially terminating its Aave multichain services on less profitable networks. This discussion marks a pivotal moment, highlighting a mature shift towards sustainability and efficient […] This post Strategic Shift: Aave Community Weighs Shutting Down Low-Profit Multichain Services first appeared on BitcoinWorld.

Author: bitcoinworld

2025/12/03

Best Crypto to Invest in Under $1: Why Mutuum Finance (MUTM) Outshines Cardano (ADA) in 2025

Best Crypto to Invest in Under $1: Why Mutuum Finance (MUTM) Outshines Cardano (ADA) in 2025

Identifying the most appropriate cryptocurrency for the under-$1 market has emerged as an important task in the lead-up to the imminent market boom. Mutuum Finance (MUTM) has emerged as a significant player in the rapidly growing list of cryptocurrencies under $1 because of its early adoption, rapidly growing base of loyal followers, and strong performance […]

Author: Cryptopolitan

2025/12/03

Aave DAO mulls pulling back ‘multichain strategy,’ deprecating zkSync, Metis and Soneium instances

Aave DAO mulls pulling back ‘multichain strategy,’ deprecating zkSync, Metis and Soneium instances

Aave, the largest decentralized lending protocol, has historically taken a maximalist approach towards deploying on new blockchains.

Author: Coinstats

2025/12/03

Aave Expands to Mantle Network as DAO Considers Multichain Deployments Shutdown

Aave Expands to Mantle Network as DAO Considers Multichain Deployments Shutdown

The post Aave Expands to Mantle Network as DAO Considers Multichain Deployments Shutdown appeared on BitcoinEthereumNews.com. Aave has launched on Mantle Network to enhance institutional lending liquidity in the Layer-2 space, supporting assets like ETH, USDC, and USDT. Meanwhile, the protocol is streamlining operations by closing underperforming deployments and setting revenue thresholds for future expansions, ensuring sustainable growth. Aave’s integration with Mantle provides access to advanced DeFi lending tools, boosting liquidity for institutional users. The move aligns with Mantle’s rapid TVL increase and focus on enterprise adoption in Layer-2 ecosystems. Aave’s governance proposes shutting down low-revenue chains like zkSync and Metis, with annualized revenues under $50,000, to prioritize profitability. Discover Aave’s Mantle Network expansion and multichain consolidation strategy for efficient DeFi growth. Explore impacts on liquidity and protocol sustainability—stay informed on key crypto developments today. What is Aave’s Expansion to Mantle Network? Aave’s expansion to Mantle Network introduces its V3 lending protocol to this high-performance Layer-2 solution, enabling users to borrow, lend, and leverage major assets like ETH, USDC, and USDT. Announced on 2 December, this partnership aims to deliver institutional-grade liquidity at scale, supporting Mantle’s growth in total value locked (TVL) and user activity. By integrating Aave’s risk-managed pools and cross-chain features, the deployment strengthens lending markets for large capital providers in the DeFi sector. How Does Aave’s Multichain Consolidation Strategy Work? Aave’s governance process, through a recent Temp Check on its official forum, outlines a strategic reset to address underperforming deployments across multiple blockchains. The proposal identifies chains generating minimal revenue, such as zkSync, Metis, and Soneium, which collectively produce only $3,000 to $50,000 annually—insufficient to cover maintenance costs. These deployments face shutdown, allowing resources to shift toward profitable networks. For mid-tier chains like Polygon, Gnosis Chain, BNB Chain, Optimism, Scroll, Sonic, and Celo, which fall below $3 million in yearly revenue, Aave plans to raise Reserve Factors. This adjustment increases protocol earnings from…

Author: BitcoinEthereumNews

2025/12/03

Strategy CEO: Does not rule out the possibility of lending Bitcoin to enhance financial flexibility.

Strategy CEO: Does not rule out the possibility of lending Bitcoin to enhance financial flexibility.

PANews reported on December 3rd, citing Bloomberg, that Strategy Inc. (formerly MicroStrategy) has established approximately $1.4 billion in cash reserves to cover dividends and interest during periods of market volatility. This is expected to sustain the company for approximately 21 months, potentially extending to two years, without requiring the use of its approximately $59 billion Bitcoin position. Strategy CEO Phong Le also stated that the company is not ruling out the possibility of lending Bitcoin to enhance its financial flexibility.

Author: PANews

2025/12/03

Ethereum loses $6.4B in leverage while whales accumulate – Here’s why

Ethereum loses $6.4B in leverage while whales accumulate – Here’s why

The post Ethereum loses $6.4B in leverage while whales accumulate – Here’s why appeared on BitcoinEthereumNews.com. It’s just one of those times, really. Even with prices sliced nearly in half and Open Interest (OI) evaporating, Ethereum [ETH] still anchors the biggest pools of DeFi money and stablecoins. And while traders back away, big buyers keep buying. The disconnect is growing. Ethereum still owns the “big money” layer Even with falling prices, Ethereum continued to dominate where it actually matters. Source: X Apps on Ethereum now hold $330.4 billion in TVL, dwarfing every competing chain by a mile. Source: X Its stablecoin base is just as massive, with $184.6 billion sitting on Ethereum alone; far ahead of TRON [TRX], Solana [SOL], or any L2. That liquidity foundation explains why major flows, lending markets, and DEX volume still like ETH despite its ebbs and flows. Bitmine buys more While Ethereum’s fundamentals remain stacked, the whales don’t want to miss out. Source: X Lookonchain flagged another major buy: Tom Lee’s Bitmine scooped up 7,080 ETH worth roughly $19.8 million. This vote of confidence comes at a bad time for ETH, with its price down from earlier highs. AMBCrypto previously reported that even as activity migrates to L2s, valuation models still say ETH is undervalued. 10 out of 12 metrics placed their fair value far higher than current prices. At the time, estimates put ETH’s Composite Fair Value near $4.8k; despite market stress, the asset remained structurally mispriced. This is possibly why Derivatives markets continue to treat ETH as core infrastructure rather than a fading trade. What’s more… Ethereum’s Open Interest has gone through an unwinding, with a deeper market reset than many realize. On Binance alone, OI collapsed 51%, falling from an August peak of $12.6 billion to $6.2 billion. This wiped out $6.4 billion in positions. Source: X Gate.io saw a drop from $5.2 billion to $3.5 billion,…

Author: BitcoinEthereumNews

2025/12/03

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