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.

14093 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Could This Be the Next Big Crypto To Beat SOL’s Growth Even After Solana (SOL)’s Recent Surge?, Expert Says Yes

Could This Be the Next Big Crypto To Beat SOL’s Growth Even After Solana (SOL)’s Recent Surge?, Expert Says Yes

Solana (SOL) has captured headlines with its price momentum and network growth, but investors seeking outsized returns will find a different opportunity in Mutuum Finance (MUTM). Unlike SOL, which relies primarily on adoption and network effect, MUTM combines stable, protocol-driven mechanisms with an integrated token economy designed to reward active users. The platform introduces a [...] The post Could This Be the Next Big Crypto To Beat SOL’s Growth Even After Solana (SOL)’s Recent Surge?, Expert Says Yes appeared first on Blockonomi.

Author: Blockonomi
From NEET subculture to alcohol micro-strategies, here’s a look at the recent hype on the Solana blockchain.

From NEET subculture to alcohol micro-strategies, here’s a look at the recent hype on the Solana blockchain.

What are the "interesting" targets among the monotonous running water disks? While the recent trend toward cryptocurrency compliance has been evident, with seemingly every blockchain project being associated with "compliance," "institutions," and "policy trends," the on-chain craze surrounding Memecoin and ICM projects appears far from over. As if to capitalize on the "last wave" of on-chain enthusiasm, various platforms have chosen to deploy their ultimate moves at this time. BlockBeats has compiled and introduced several of the stocks that have performed well recently. NEETs who don't work Neet (not in employment, education, or training) originally referred to young people (specifically those aged 16-24) who were neither employed nor receiving education or vocational training. In millennial Japan, the age range of the term "NEET" was expanded to include those aged 15-34. It became widely associated with the culture of "otaku" and "staying indoors," and for a long time, it was also associated with "staying at home." As Internet culture spread, the term gradually spread to subculture circles in Europe and the United States, especially anonymous communities (such as 4chan /r9k/ and Reddit). By the 2010s, NEET had gradually evolved into a self-identity and cultural identity of "liberals." From the messages on 4chan, it can be seen that most of them say whatever they want, discriminate against women, discriminate against blacks, and are self-centered. NEET is not necessarily a real identity, but a network personality. People who call themselves "NEET" often emphasize that they are out of touch with the mainstream society, reject social rules, and even "take pride in it." It is both self-deprecating and a kind of "alternative identity." Neet is widely used on 4chan's /r9k/ subreddit (Robot9000). /r9k/ was originally developed by 4chan founder Christopher Poole in 2008 as a filtering system for original content. Its design was intended to prevent spamming and copypasta, which also contributed to the subreddit's vibrant culture. The screenshot shows a discussion on /r9k+1/ (Robot9001), an improved version of /r9k/. Although the token's value quadrupled in a single minute when PumpFun founder Alon first bought $NEET, and then quickly plummeted below its pre-purchase market value, its price trend has remained stable. Besides having many "big brothers" who call out orders and a strong community culture, its Twitter presence is also quite strong. After checking with Cookie, who was the first to call out $neet in the Chinese community, we learned that Primed is responsible for Neet's Twitter operations. Under his and the community's management, accounts within the token system have shifted away from price discussions and focused on promoting cultural trends. Price movements driven by communication itself are far more authentic and healthy than those driven by market manipulation. Excellent communication, a strong community culture, and a supportive team have combined to create a rare "interesting meme" in today's system. Left: Reached 12 million views, right: Musk forwarded and brought 100 million views How is Believe's ICM progress? With the demise of fellow competitors Bags and Heaven, Believe has gradually returned to the forefront of discussion today. Its official token, LaunchCoin, has finally rebounded after a nearly month-long decline. Roy, CEO of Cluely, the recently popular "interview cheating tool" in the AI community, shared a photo with Believe founder Ben Pasternak today, leading the community to speculate on the possibility of some kind of collaboration between the two. Left: Cluely CEO, Right: Believe Founder Believe seems determined to abandon concepts such as "100% cost-to-turn the flywheel" and re-establish its positioning as an "ICM platform concept." After he and his girlfriend Evelyn Ha stayed at the extremely expensive "Aman Tokyo" last time, coupled with the slow progress of the platform and the gradual "return to zero" of the ecosystem, various emotions added up to cause some "heated discussions" in the community. Ben seems to have refocused on Believe. First, he directly acquired Abode for a better product UI, and some interesting projects have chosen Believe to issue again. What about the new and old labels that are currently doing well on Believe? Believe the existing ecosystem. Image source: @PaceTerminal HUCH: CS2 Skin Lending Platform HUCH is an on-chain lending platform for CS2 skins. In July, it won the University Prize in the gaming track of the Colosseum and Solana hackathon. It launched on Believe on August 24th and currently maintains a market capitalization of approximately $1.5 million. The overall basic concept of the product is actually quite simple. The team believes that Counter Strike 2 skins now have a huge market of nearly billions of dollars, but lack the liquidity to match it. CS2 skins and DeFi products have considerable similarities in financial attributes, so they want to create an on-chain platform that converts game assets into financial instruments through mortgage lending. The team integrates real-time market data for accurate valuations, and players can use their CS2 skins as collateral to obtain instant cash loans (65% of the value). Interestingly, before the launch of HUCH, founder Hugo claimed that he sold his Apple computer to promote HUCH and attended a summit event held by the well-known crypto "public office space" Mtn DAO. This was also appreciated by Cobra from the Mtn community, and they discussed in X whether to sponsor him a computer. This proposal received a lot of response from the community, and many team members of the project expressed their willingness to sponsor him. Kled: AI data transaction matching platform Kled is an on-chain AI data trading intermediary platform designed to connect AI developers with data copyright holders, providing trading channels for various data types, including video, audio, and text. The project received $2 million in funding from K5 Capital (K5 has previously invested in projects such as Uber and Xai). Founder Avi Patel, a former University of Illinois at Urbana-Champaign dropout, founded the music copyright platform Nitrility in 2023 and launched Kled in 2024. In the early days, due to contract deployment issues, the $KLED token price plummeted, triggering market panic. However, platform founder Ben (founder of the Believe platform) promptly issued a statement on the X platform to clarify the contract address issue. As the development team continued to update product features, community confidence gradually returned. Kled's market capitalization subsequently rebounded to approximately $10 million, and it was listed on the Moonshot Exchange. On June 9th, Kled V2 announced its next phase of enterprise contracts, "Kled Pages," and shared partnerships with platforms like YouTube, Twitch, and Google Classroom. It also announced plans for a hackathon with Stanford University and UC Berkeley. This series of developments promises increased B2B revenue and improved scalability for the platform, sparking a surge of fear-mongering (FOMO) within the community and driving the price of $KLED to a new high, reaching a market capitalization of $36 million. After the hype faded, the market capitalization has fluctuated around $10 million, currently trading at $18 million. Polycule: Polymarket's Telegram trading bot Polycule is a Telegram trading bot compatible with Polymarket. Users can place orders directly through chat commands, bypassing US access restrictions on Polymarket. This solves the platform's inaccessibility in the US, leading to a $560,000 investment from AllianceDAO. Following Polymarket's official announcement of its partnership with the Telegram bot on X, the platform provides deflationary support for the token by charging a 0.01%–0.05% handling fee on each transaction and setting aside 30% for buybacks and burns. The decentralized prediction market Polymarket rose to fame for its successful predictions of the 2024 US presidential election, spurring a surge in popularity and trading volume. However, due to regulatory investigations, Polymarket was blocked in the US, preventing US users from directly accessing the platform. This is the context in which Polycule was born – a lightweight Telegram trading bot that connects to Polymarket, allowing users to participate in on-chain YES/NO betting transactions through chat commands without opening a webpage. This bot bypasses domain blockades and allows users to easily participate in prediction markets in regions like the US. By addressing the pain points of Polymarket's mobile and restricted-region use, Polycule secured a $560,000 seed investment from AllianceDAO. Polymarket officially expressed support for Polycule—its CEO, Shayne, followed the official Polycule account. When a user on X inquired about placing bets via Telegram, Polymarket confirmed the availability of the Polycule bot. This official endorsement propelled the $PCULE token's initial surge. Subsequently, on June 6th, the social platform X announced a partnership with Polymarket, making it an official prediction market partner, integrating Polymarket's data and predictions with content on the X platform. This news pushed the price of $PCULE to a new high. Polycule currently charges a fee of 0.01%–0.05% per transaction, with 30% used to buy back and burn tokens, providing deflationary support for $PCULE. Leveraging the rise of social trading, Polycule has rapidly expanded its user base, while its fee-burning mechanism has also created a positive feedback loop, driving the token's price upwards. DAOSFUN limited time return? Unlike Believe, which focuses on ICM, DAOS.FUN wants to bring the glory of Crypto AI back to the chain. LLM: Officially endorsed Latino AI memecoin agent LLM (Latina Language Model) is an AI-themed memecoin issued on the DAOS.FUN platform. Its issuer is none other than the platform's founder, @baoskee. It touts itself as the "first fully autonomous Latino AI agent" character token. Because it shares the same name (and indeed, a similar image) as the ai16z copycat "Large Language Model," the project didn't attract widespread attention during its initial launch, providing a relatively long window for entry. However, some veteran traders in the Chinese crypto community, such as Noobwillwin and 0xNoNo, got involved early on. According to community information, the founder of LLM reserved approximately 5.14% of the tokens as a holding and also served as an LLM community moderator. This indicates that LLM is not an ordinary community coin, but an AI-backed token endorsed by the official DAOS.FUN team. Baoskee stated that AI agent technology is experiencing a period of rapid development, and that future application-oriented AI tokens are expected to differentiate themselves from the purely hype of the past "AI season" bubble, driving industry iteration through real products and innovative financial models. While LLM's product offerings haven't demonstrated any significant differentiation from previous crypto AI projects, Baoskee's endorsement has directly boosted its market capitalization to $20 million. $Drink: A microstrategy for alcohol assets BAXUS is an RWA project featured on the DAOS.FUN platform, recommended by baoskee and renowned investor Mike Dudas. The project builds an on-chain marketplace for high-end whiskey and wine on the Solana network, aiming to address the inefficiency and illiquidity of the traditional high-end wine collector market. On the BAXUS platform, rare bottles receive trusted digital proof of ownership: collectors deliver the physical bottles to Baxus Vault, a professional, temperature-controlled warehouse. Each bottle is scanned with high precision and minted into a unique NFT, serving as on-chain proof of ownership. Buyers and sellers can access the platform globally at any time, accepting a variety of payment methods including credit cards, ACH, wire transfers, and cryptocurrencies/USDC. Users can view real-time price trends, trading volume, and historical data for each bottle. Furthermore, any bottle traded or stored on BAXUS can be withdrawn at any time or remain in the Vault for resale, resulting in transaction efficiency far exceeding that of traditional auctions. Drink is the token of the DAO organization promoted by the founder of Baxus, who launched an alcohol "micro-strategy" concept Members of the DAO can choose to vote on the acquisition, management, and ultimate fate of specific bottles or barrels of wine. They can decide whether to sell, hold on to, or share (drink). When LLM became popular yesterday, Baoskee also took the opportunity to recommend Drink, which caused its price to rise by 100% in a short period of time and is now valued at US$600,000.

Author: PANews
Michael Saylor Drops Bold Prediction for Bitcoin’s Future

Michael Saylor Drops Bold Prediction for Bitcoin’s Future

The bold prediction is anchored in the cryptocurrency’s fixed 21 million supply cap and its accessibility as a global monetary […] The post Michael Saylor Drops Bold Prediction for Bitcoin’s Future appeared first on Coindoo.

Author: Coindoo
Aave v4 codebase officially introduces DAO service providers, founder says Aave v4 will be launched soon

Aave v4 codebase officially introduces DAO service providers, founder says Aave v4 will be launched soon

PANews reported on August 26th that Emilio (Aave's Vice President of Engineering) has officially introduced the Aave v4 codebase to all DAO service providers, marking a significant milestone in the protocol's development. Aave founder Stani.eth also stated that Aave v4 is imminently launching. Related reading: Aave V4 explained: How can the leading lending platform build a new moat?

Author: PANews
Sui Group’s blueprint for an active SUI treasury

Sui Group’s blueprint for an active SUI treasury

The post Sui Group’s blueprint for an active SUI treasury appeared on BitcoinEthereumNews.com. Mill City Ventures III is rebranding as SUI Group Holdings to reflect its “new strategic direction” after closing a $450,000,000 private investment in late July to create a Sui blockchain treasury strategy. Summary Mill City rebrands to Sui Group (SUIG) after a $450m raise to launch a Sui-anchored treasury strategy. Chair Marius Barnett details an exclusive Sui Foundation partnership and plans to “activate” treasury via staking, lending, liquidity, and insurance. Long-term goal: build a “Sui Bank” as the network’s central liquidity hub with 5–10% ownership. Sui Group’s name change, confirmed in an August 25 press release, is consistent with the company’s vision to become “the premier” Sui-focued (SUI) treasury company. The move also affirms a commitment to “unlocking differentiated, long term value for shareholders by anchoring our treasury to the blockchain infrastructure of tomorrow.” The rebrand also consists of a stock symbol change from “MCVT” to “SUIG”. The change will take place on Tuesday. In one of the first interviews following the rebrand, Sui Group chairman Marius Barnett discusses with crypto.news why the pivot happened now. He also explains the catalysts which justify its large Sui stake and why it was a better option compared to a diversified digital-asset basket. He also addresses concerns about platform maturity and scale, outlines governance safeguards to preserve independence despite close ties to the Sui Foundation, and discusses what “activating” the treasury means beyond staking. Barnett clarifies the company’s plans to pursue yield through lending, liquidity provision, insurance, and other strategies. He points to user and DeFi growth on Sui as core adoption signals, argues a corporate “treasury arms race” may be emerging across networks, and sets a five-year target to build a “Sui Bank” that functions as a central liquidity hub for the ecosystem. The entire interview can be seen below: crypto.news: Mill…

Author: BitcoinEthereumNews
Will the GENIUS Act Usher a Stablecoin Startup Funding Boom?

Will the GENIUS Act Usher a Stablecoin Startup Funding Boom?

The post Will the GENIUS Act Usher a Stablecoin Startup Funding Boom? appeared on BitcoinEthereumNews.com. The “Guiding and Establishing National Innovation for US Stablecoins of 2025”, also known as the GENIUS Act, might pave the way for yet another boom for crypto.  Could it also spell a flurry of venture capital investments in the stablecoin space? A New Age of Stablecoin Treasuries? GENIUS, passed in July 2025, provides a framework for the larger adoption of stablecoins. And stablecoins could become the rails for a Cambrian explosion of new crypto applications.  That’s because instead of relying on old, slow, and fee-heavy payment banking rails, stablecoins are new, fast and cheap.  However, it’s new territory, and there are risks. But the future seems bright for stablecoins.  “The most highly observable, fast-growing trend to keep an eye on is stablecoins,” said David Mort, an early investor in Coinbase and General Partner of Propel VC. “Over the next five years, we likely see exponential growth in stablecoin-linked treasuries and deposits onchain.” Total stablecoin market cap since 2018. Source: DefiLlama According to DefiLlama, the total market capitalization for stablecoins is currently $272 billion. Tether dominates the space with a $165 billion share of the market cap, followed by Circle’s USDC at $67 billion and Ethena at $11 billion.  So, now that companies have US regulatory rails to ride on, even more growth in the stablecoin market cap is probably on the way.  “The GENIUS Act provides the regulatory stability for the underlying payment rails, which frees up innovators to focus on building that superior user experience,” said Artem Gordadze, an angel investor in NEAR Foundation and advisor at startup accelerator Techstars.  Fresh Rails and A Lot of New Assets There’s a rush to issue new stablecoins, which seems to be occurring almost every day of the week. This is especially from brand names like Bank of America.   The GENIUS Act…

Author: BitcoinEthereumNews
A Stablecoin Cryptocurrency On The TRON Blockchain

A Stablecoin Cryptocurrency On The TRON Blockchain

The post A Stablecoin Cryptocurrency On The TRON Blockchain appeared on BitcoinEthereumNews.com. USDJ is a stablecoin cryptocurrency that operates on the TRON blockchain. It is part of the JUST DeFi ecosystem, which includes various decentralized financial products and services. USDJ is designed to maintain a stable value by being pegged to the United States Dollar (USD) through a system of collateralization and governance mechanisms.  USDJ is part of the broader DeFi ecosystem, which aims to provide decentralized financial products and services, including lending, borrowing, and stablecoin issuance, without traditional intermediaries like banks. USDJ is categorized as a stablecoin because its value is designed to be relatively stable and maintain a 1:1 peg with the United States Dollar. This stability is achieved through a collateralization system. USDJ is backed by collateral in the form of other cryptocurrencies, primarily TRX, the native cryptocurrency of the TRON blockchain. Users lock up TRX tokens as collateral to mint USDJ stablecoins. The collateralization ratio ensures that there are sufficient assets to support the value of the stablecoin. Moreover, the system employs various mechanisms, including automatic liquidations of undercollateralized positions, to maintain the stable value of USDJ. Disclaimer. This article is for informational purposes only and should not be viewed as an endorsement by CoinIdol. They are not a recommendation to buy or sell cryptocurrency. Readers should do their research before investing in funds. Source: https://coinidol.com/usdj-usdj-token/

Author: BitcoinEthereumNews
Aave reaches $41.1 billion TVL record, equivalent to being the 54th largest US bank

Aave reaches $41.1 billion TVL record, equivalent to being the 54th largest US bank

The post Aave reaches $41.1 billion TVL record, equivalent to being the 54th largest US bank appeared on BitcoinEthereumNews.com. Aave reached an all-time high total value locked (TVL) of $41.1 billion on Aug. 24, positioning the decentralized lending protocol as the equivalent of the 54th largest US commercial bank by total deposits based on Federal Reserve data as of Jun. 30. The money market protocol would replace the Prosperity Bank, which has $38.4 billion in deposits, and would fall just $300 million short of surpassing Bank OZK. Considering the Fed lists 2,156 commercial banks in the US, Aave’s size is enough to place it among the top 2.5% largest banks in the country. DefiLlama data showed that including Aave’s outstanding borrows of $28.9 billion as of Aug. 24 would raise the combined figure to $71.1 billion. The borrowing volume was just below the all-time high of $29.1 billion recorded on Aug. 13. The TVL increased by the borrows would be enough to place Aave among the 37th largest US commercial banks, a 1.7% group. Aave founder Stani Kulechov said in an Aug. 24 social media post: “Aave Protocol is like the 37th-largest bank, except it isn’t a bank, but a network any financial institution can plug into to unlock non-Fed–correlated yield.” Dominance in lending The money market protocol controlled approximately 50% of the DeFi lending market’s total TVL as of Aug. 24, commanding a dominant position within the $81.5 billion lending sector. The percentage indicates that Aave’s TVL is equivalent to the combined TVL of all other money markets. The protocol is nearly 6x larger than its closest rival, Morpho, which holds just $7 billion in deposits. Aave achieved multiple records last week amid strong DeFi lending sector performance. The protocol reached $3 trillion in cumulative deposits on Aug. 15 while surpassing $29 billion in active loans on Aug. 13. The AAVE token is following the protocol’s fundamentals. Since recording…

Author: BitcoinEthereumNews
Aptos’ APT Falls 4% as Crypto Markets Retreat

Aptos’ APT Falls 4% as Crypto Markets Retreat

The post Aptos’ APT Falls 4% as Crypto Markets Retreat appeared on BitcoinEthereumNews.com. Aptos’ APT fell 4% over the 24-hour trading period, fluctuating within a 10% range, according to CoinDesk Research’s technical analysis model. The token made a session high of $4.80 and a low of $4.38, initially advancing to $4.80 before declining sharply to $4.43 by morning hours, then consolidating around $4.45 with modest recovery indicators in the final trading hour, the model showed. Significant volume-backed support materialized around the $4.38-$4.41 price zone, where institutional buying emerged, with the final hour demonstrating recovery momentum toward $4.45, suggesting potential market stabilization following the 9% decline from peak to trough, according to the model. The drop in APT came as the wider crypto market also fell, with the broader market gauge, the Coindesk 20, down 3.2%. In recent trading, Aptos was 3.7% lower over 24 hours, trading around $4.43. On the news front, the EXPO2025 digital wallet, powered by Aptos, had half a million new accounts and 4.4 million transactions, according to a recent post on X. Meanwhile, DeFi lending protocol Aave recently launched on Aptos. This marked Aave’s first-ever deployment on a non-EVM (Ethereum Virtual Machine) compatible blockchain. Technical Analysis: Exceptional trading volume of 6.6 million during 19:00 hour supported initial rally, followed by sustained volume support around $4.38-$4.41 price zone. Clear ascending channel formation with successive higher lows at $4.39, $4.42, and $4.45 levels during the recovery phase. Three distinct volume-driven rallies during the final hour breakout above $4.41 resistance level. Strong institutional buying interest emerged at $4.38-$4.41 zone, establishing key support following 9% decline from peak. The next psychological resistance level was identified at $4.50 following a successful breakout above $4.41. Disclaimer: Parts of this article were generated with the assistance from AI tools and reviewed by our editorial team to ensure accuracy and adherence to our standards. For more information,…

Author: BitcoinEthereumNews
Don’t Make This Mistake: The Tokens Everyone Will Regret Abandoning This Bull Season

Don’t Make This Mistake: The Tokens Everyone Will Regret Abandoning This Bull Season

The post Don’t Make This Mistake: The Tokens Everyone Will Regret Abandoning This Bull Season appeared on BitcoinEthereumNews.com. A handful of cryptos may be set to surprise everyone this year. Many have rushed to sell or ignore them, but some signals hint at a possible turnaround. These tokens, left behind by most, might become the focus as the market shifts. Attention to forgotten assets could be the key as the bull run gains speed. Toncoin’s Road Ahead: Fast Rails, Big Dreams, Bold Prices Toncoin powers The Open Network, an online rail first built by Telegram in 2018. After a court halt in 2020, volunteers renamed it and kept coding. The coin now runs on a stake-based system that speeds up checks and cuts power use. Users can send cash-like transfers in seconds and pay only tiny fees. Plans reach far beyond payments: cloud storage, friendly names, private surfing, and small apps can all sit on the same chain. This wide vision gives Toncoin a lively, growing crowd of fans and builders. Price watchers see wide moves ahead. Models that follow bitcoin’s halving rhythm place Toncoin near $6.45 at the low and $30.30 at the high in 2025, a jump of over threefold from today. Later years swing, with lows of $5.39–$16.27 and highs of $12.04–$40.52 through 2030, yet the top calls stay well above current levels. In a market where older coins fight to stay fresh, TON’s fresh code and busy updates stand out. If the network keeps adding tools, those bold targets may look less like dreams and more like milestones. $XYZ Unlocks the G.O.A.T. Status, Early Investors Positioned for Massive ROI XYZVerse ($XYZ) has brought a brand-new concept to the memecoin niche by blending the excitement of sports with the fast-moving energy of crypto. Designed for hardcore fans of football, basketball, MMA, and esports, this project goes beyond just being another token—it’s a growing community built…

Author: BitcoinEthereumNews