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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.

16038 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
New Hampshire Backs $100M Bitcoin Bond as DeepSnitch AI Sells Fast With Tools Shipped

New Hampshire Backs $100M Bitcoin Bond as DeepSnitch AI Sells Fast With Tools Shipped

The post New Hampshire Backs $100M Bitcoin Bond as DeepSnitch AI Sells Fast With Tools Shipped appeared on BitcoinEthereumNews.com. Crypto Presales New Hampshire approves Bitcoin-backed municipal bonds as Basel rules face revision. DeepSnitch AI could be the best crypto to buy now as presale surges 57% and institutions bet on crypto infrastructure. New Hampshire just approved a $100 million municipal bond backed by Bitcoin, and companies can now borrow against overcollateralized BTC. Meanwhile, traditional finance is building products that treat Bitcoin as a legitimate reserve asset, and that shift creates opportunity for early-stage projects positioned at the intersection of AI and crypto. At this pivotal moment, there’s no better chance to buy DeepSnitch AI, which has raised over $555,000 and climbed 57% from its $0.01510 launch to $0.02381. Still priced for presale, DeepSnitch AI offers higher-beta exposure at the nexus of AI and crypto with real utility: five AI agents designed to monitor whale movements, scan contracts for risks, and filter alpha in real time. Its moonshot potential is clear, but buying now, not later, will make all the difference. New Hampshire launches Bitcoin bond, Basel rethinks crypto rules New Hampshire’s Business Finance Authority has approved up to $100 million in taxable conduit bonds for WaveRose Depositor, LLC, with Bitcoin as the collateral. Companies can borrow against BTC custodied by BitGo, and liquidation kicks in if the collateral sinks below 130%. The state doesn’t guarantee the bonds, taxpayers aren’t on the hook, and deal fees will help fund the local Bitcoin Economic Development Fund. At the same time, global regulators are softening their toughest crypto capital rules after the US and UK refused to adopt them. Basel Committee Chair Erik Thedéen now says the 1,250% risk weight for crypto may need a “different approach” as regulated stablecoins scale. The Federal Reserve and Bank of England have both indicated they won’t apply the rules as written. With stablecoin use exploding…

Author: BitcoinEthereumNews

2025/11/20

Investors pull out of corporate bonds as AI borrowing and private credit stress raise concerns

Investors pull out of corporate bonds as AI borrowing and private credit stress raise concerns

Investors are pulling money out of bonds fast as huge AI-related borrowing and growing stress in private credit shake confidence across global markets, according to reporting from Reuters. Lenders who usually back top-rated companies are now stepping aside because fresh debt sales from Big Tech and trouble inside private credit funds are raising the risk […]

Author: Cryptopolitan

2025/11/20

Bitcoin Price Prediction Looks Shaky — Why XRP Tundra’s Staking Rewards Are Attracting More Crypto Investors

Bitcoin Price Prediction Looks Shaky — Why XRP Tundra’s Staking Rewards Are Attracting More Crypto Investors

Bitcoin’s market outlook has deteriorated sharply. After reaching a record high earlier in the year, BTC now trades near $90,000, roughly 25% below its all-time high, and the decline has triggered questions about whether the market has formally shifted into a structural bear phase. According to The Kobeissi Letter, one of the most widely followed […]

Author: Cryptopolitan

2025/11/20

The Truth About Crypto in 2025: Learn Why New Platforms Are Focusing More on Staking and Less on Trading

The Truth About Crypto in 2025: Learn Why New Platforms Are Focusing More on Staking and Less on Trading

The post The Truth About Crypto in 2025: Learn Why New Platforms Are Focusing More on Staking and Less on Trading appeared first on Coinpedia Fintech News The next market cycle is set to reshape how investors approach crypto exposure. Volatility has increased across major assets, liquidity has become more uneven, and ETF-driven concentration has limited upside in large-cap trades. Analysts following these shifts argue that 2025 will reward strategies built around transparent, revenue-backed yield rather than the constant search for short-term …

Author: CoinPedia

2025/11/20

Best Crypto Presales To Watch As Bitwise’s XRP ETF ‘Historic Moment’ Lands Today

Best Crypto Presales To Watch As Bitwise’s XRP ETF ‘Historic Moment’ Lands Today

What to Know: Bitwise’s XRP ETF has launched on NYSE Arca with a 0.34% fee waived on the first $500M, positioning XRP as an institution-ready asset. XRP dropped more than 9% into the launch before recovering, with higher volumes and futures open interest indicating renewed speculative and hedging activity. Best Wallet Token, Bitcoin Hyper, and Ionix Chain map onto themes supported by ETF flows: self-custody, Bitcoin scalability, and AI-native infrastructure. These projects provide presale access and strong utility narratives but still come with early-stage risks tied to execution, exchange listings, and long-term adoption. Bitwise’s spot XRP ETF is finally live on NYSE Arca under the ticker ‘XRP’, and the issuer is calling it a ‘historic moment’. The $15B asset manager has set a 0.34% management fee and is waiving it for the first month on the first $500M of assets, an aggressive move to capture early institutional flow. The market reaction has already been spicy. XRP dumped more than 9% to around $2 on classic ‘sell the news’ flows, then bounced back to about $2.12 as volumes jumped and futures open interest ticked higher. That’s the ETF era in a nutshell: institutions get a cleaner wrapper, traders get more volatility to play with. This matters beyond XRP. Spot ETFs helped normalize exposure to $BTC and $ETH; now one of the biggest payments tokens is getting the same treatment. As capital moves from blue chips into higher-beta plays, altcoins and the best crypto presales tend to ride the second wave of risk-on sentiment. Three presales line up neatly with this shift: a wallet super-app built for self-custody, a Bitcoin Layer-2 turning ‘digital gold’ into active collateral, and an AI-native Layer-1 chasing the next infrastructure trade. Here’s how Best Wallet Token, Bitcoin Hyper, and Ionix Chain fit into the post-ETF landscape. 1. Best Wallet Token ($BEST): Wallet Super-App For The Post-ETF Onboarding Wave If XRP ETFs succeed, a fresh wave of non-crypto natives will end up holding digital assets for the first time. Those users eventually graduate from brokerage accounts into self-custody, and that’s exactly where Best Wallet Token tries to position itself. Best Wallet is a live, non-custodial, multi-chain wallet with fiat on/off-ramps, portfolio tracking, and cross-chain swaps routed through hundreds of DEXs and bridges. It already counts hundreds of thousands of users, supports major chains like Bitcoin, Ethereum, Solana, and BNB Chain, and is rolling out a debit card, analytics suite, advanced order types, and a staking aggregator. The idea is simple: one app that feels like a trading terminal, not a barebones wallet. Best Wallet Token ($BEST) is the access key to that stack. Holders get reduced swap and on-ramp fees, boosted staking yields, governance rights, and early ‘Stage 0’ access to new token launches inside the wallet’s launchpad. The presale has raised over $17.23M so far, with the current stage pricing $BEST at about $0.025975 and staking yields around 76% APY for early participants. To buy $BEST and start staking, check out our guide. Our $BEST price prediction suggests that, if the roadmap lands and exchange listings arrive in a supportive market, $BEST could potentially reach up to roughly $0.05106175 in 2026. From today’s presale level, that implies a 96% upside scenario. If ETF flows pull more people into crypto, full-stack self-custody tools should be one of the structural winners. Check out Best Wallet Token. 2. Bitcoin Hyper ($HYPER): BTC Layer-2 Turning ‘Digital Gold’ Into DeFi Collateral While XRP steals today’s headlines, Bitcoin is still the main liquidity engine in this market. The problem: as a base layer, it’s slow, expensive, and terrible for DeFi. Bitcoin Hyper ($HYPER) is trying to fix that without touching Bitcoin’s core security model. Bitcoin Hyper builds a high-throughput Layer-2 using the Solana Virtual Machine. Users bridge $BTC into the network via a canonical bridge; wrapped $BTC then moves on a fast chain with near-instant finality and sub-cent fees, while settlement still anchors back to Bitcoin. That opens the door for $BTC-denominated DeFi, NFTs, gaming, and even meme coins, all while remaining ‘Bitcoin-native’. The HYPER presale has already crossed roughly $28M raised at a token price of $0.013305, with staking rewards at 41% APY. There’s no private VC round in front, and on-chain data shows multiple six-figure whale tickets (including a $500K buy and a $379K purchase), which is why this sale keeps popping up on presale trackers. Learn how to buy $HYPER to get in early. From a valuation angle, our $HYPER price prediction put a potential 2026 high around $0.08625. Measured from the current sale level, that’s roughly 546% upside in the optimistic case. The thesis is clean: if ETFs push more capital into $BTC, a working $BTC Layer-2 that actually lets that capital do something could be in the slipstream. Research Bitcoin Hyper today. 3. Ionix Chain ($IONX) — Quantum AI Layer-1 With Built-In Revenue Sharing Where XRP ETFs reflect TradFi edging into crypto, Ionix Chain ($IONX) represents the opposite direction: crypto infrastructure leaning into AI. Ionix pitches itself as the first AI-native Layer-1 blockchain using a proprietary Quantum AI Consensus to hit up to 500,000 TPS with sub-second finality and gas fees near $0.0005. Under the hood it combines Proof-of-Stake with a DAG-style architecture, plus sharding, to stay scalable as usage grows. The network is designed for AI-heavy workloads: adaptive smart contracts that optimize in real time, on-chain ML computation, and cross-chain bridges into ecosystems like Ethereum and Solana. In other words, it’s built for the part of the market where AI and DeFi start blending, exactly the type of narrative that tends to catch fire when risk appetite returns after big events like the XRP ETF launch. Tokenomics are tailored to keep holders plugged in. $IONX stakers can currently earn around 12% APY in the presale, while the protocol plans to distribute 15% of daily gas fees back to token holders and add up to 5% loyalty airdrops for early participants. The presale has already raised more than $1.57M, with the current stage pricing IONX at about $0.050. If the mainnet lands by 2026, major CEX/DEX listings go ahead around the planned $2 listing band, and the AI-chain narrative actually converts to real usage, Ionix could launch hard and climb fast. The XRP ETF launch marks another step in crypto’s institutionalization, with Bitwise offering fee-waived exposure to XRP just as traders lean back into risk. That backdrop sets the scene for selectively hunting upside further out the curve. Best Wallet Token targets the self-custody and tools layer, Bitcoin Hyper extends Bitcoin into high-speed DeFi, and Ionix Chain bets on AI-driven infrastructure, three very different ways to play the same shift in capital and narrative. This article is informational only and not financial advice. Crypto presales are high-risk; never invest money you cannot afford to lose. Authored by Aaron Walker for NewsBTC – https://www.newsbtc.com/news/best-crypto-presales-bitwise-xrp-etf-launch-best-wallet-hyper-ionix

Author: NewsBTC

2025/11/20

XRP Tundra Surpasses 3.7M in Funding — Why This Altcoin Continues To Gain Momentum

XRP Tundra Surpasses 3.7M in Funding — Why This Altcoin Continues To Gain Momentum

The post XRP Tundra Surpasses 3.7M in Funding — Why This Altcoin Continues To Gain Momentum appeared on BitcoinEthereumNews.com. Momentum around XRP Tundra accelerated this month as the project crossed $3.7 million in presale funding, strengthening its position among the most closely watched early-stage ecosystems connected to the XRP Ledger. The raise comes at a time when analysts are reassessing how utility-driven infrastructure could shape the next market cycle rather than relying solely on short-term sentiment. The conversation has expanded because several XRPL-related developments are expected to mature between late 2025 and early 2026. These include clearer regulatory footing for XRP, continued expansion of ODL settlement corridors, progress toward EVM-compatible execution and increasing interest from large financial institutions exploring XRP-based products. This backdrop has prompted a deeper evaluation of the mechanics driving Tundra’s momentum. Funding Momentum Shows Strong Early Demand for XRPL-Linked DeFi Infrastructure Crossing $3.7 million reflects more than presale performance—it signals investor interest in a project architected to address XRPL’s long-standing absence of a native, revenue-backed DeFi layer. Funding has accelerated consistently through Phase 12, where TUNDRA-S is priced at $0.214 with an 8% token bonus and buyers receive TUNDRA-X at a reference value of $0.107. Coverage from analysts and DeFi commentators, including Crypto Infinity, has highlighted this trend as part of a broader shift toward yield-based systems built on verifiable economic activity. The funding milestone therefore raises a central question: what is driving sustained interest during a period when many early-stage projects struggle to attract capital? The Strategic Thesis Behind Tundra’s Design and Its 2026 Positioning A key element many investors overlook is that XRP Tundra’s architecture was designed for the same window in which major XRPL enhancements and institutional integrations are expected to strengthen. Tundra positions itself as the first ecosystem capable of delivering sustainable, non-custodial yield to XRP holders—an unmet demand within one of the largest and most active communities in crypto. TUNDRA-S on…

Author: BitcoinEthereumNews

2025/11/20

XRP News: Ripple Explores Staking for XRPL as DeFi Demand Grows

XRP News: Ripple Explores Staking for XRPL as DeFi Demand Grows

The post XRP News: Ripple Explores Staking for XRPL as DeFi Demand Grows appeared first on Coinpedia Fintech News Ripple is now exploring whether staking, a feature used in many major blockchains, could eventually be introduced to the XRP Ledger (XRPL). The idea came into focus after RippleX engineering head J. Ayo Akinyele explained how staking might strengthen network security and give XRP more real-world utility as global DeFi activity grows. Ripple says nothing …

Author: CoinPedia

2025/11/20

Japan’s MetaPlanet to Raise $150M for Bitcoin Expansion

Japan’s MetaPlanet to Raise $150M for Bitcoin Expansion

The post Japan’s MetaPlanet to Raise $150M for Bitcoin Expansion appeared first on Coinpedia Fintech News Metaplanet, a Tokyo-listed company, is issuing $150 million in Class B perpetual preferred shares to expand its Bitcoin holdings further. Offering a fixed annual dividend of 4.9%, the funds raised will support continued Bitcoin acquisitions as part of Metaplanet’s aggressive growth strategy. Currently holding over 30,000 BTC, Metaplanet aims to strengthen its position as one …

Author: CoinPedia

2025/11/20

Stablecoins Face Growth Cap Under GENIUS Act, Economist Issues Warning

Stablecoins Face Growth Cap Under GENIUS Act, Economist Issues Warning

The post Stablecoins Face Growth Cap Under GENIUS Act, Economist Issues Warning appeared on BitcoinEthereumNews.com. Key Insights: Stablecoins cannot compete with interest-bearing bank accounts under the GENIUS Act’s prohibition on yield payments, according to Berenberg economist Atakan Bakiskan. Migration from bank deposits to Treasury-backed stablecoins could reduce banks’ capacity to lend or purchase government debt, raising systemic concerns. Tokenized deposits and money-market funds emerged as yield-bearing alternatives that operate outside the GENIUS Act’s interest ban restrictions. Berenberg economist Atakan Bakiskan argued that stablecoins face structural limitations that prevent significant growth, despite new federal regulations designed to legitimize the sector. Bakiskan stated that stablecoins were unlikely to absorb substantial US government debt or compete effectively with bank deposits. The economist pointed to the GENIUS Act’s prohibition on interest payments as the primary constraint. The GENIUS Act bars payment stablecoin issuers from offering any form of interest or yield to holders, preventing these digital assets from matching returns available through traditional bank accounts. Bakiskan explained that, because the GENIUS Act bars issuers from paying interest, stablecoins can’t match the returns of interest-bearing bank accounts, reducing their appeal. The economist added that if deposits migrated into stablecoins backed by Treasury securities, banks could face reduced capacity to lend or purchase government debt. The GENIUS Act, signed into law on July 18, established the first federal regulatory framework for payment stablecoins. The legislation requires permitted payment stablecoin issuers to maintain reserves backing outstanding coins on a one-to-one basis, consisting solely of specified assets, including US dollars and short-term Treasuries. Regulatory Intent Behind Interest Ban The interest prohibition reflected deliberate regulatory design aimed at preventing stablecoins from functioning as high-yield deposit substitutes. Regulators explicitly recognized that payment products differed from banking products, leading to the ban on yield or interest offerings. Banking groups warned that large-scale deposit flight into stablecoins could raise funding costs and shrink balance sheets available for…

Author: BitcoinEthereumNews

2025/11/20

Utility with High ROI Potential Makes This DeFi Crypto the Best Crypto to Invest Now

Utility with High ROI Potential Makes This DeFi Crypto the Best Crypto to Invest Now

DeFi tokens are dominating market headlines again, but only a few deliver both real utility and high ROI potential. Mutuum Finance (MUTM) is positioning itself as a protocol that bridges tangible DeFi functionality with token-driven incentives.

Author: Cryptodaily

2025/11/20

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