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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.

13986 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Why Is Crypto Down Today? Bitcoin, Ethereum, XRP Updates

Why Is Crypto Down Today? Bitcoin, Ethereum, XRP Updates

The post Why Is Crypto Down Today? Bitcoin, Ethereum, XRP Updates appeared on BitcoinEthereumNews.com. South Korea has suspended all crypto lending services, citing borrower risk. The U.S. SEC delayed its decision on XRP ETFs until October 2025. Despite recent dips, analysts say Bitcoin and Ethereum could hit $600K and ETH $15.5K by 2026. The crypto market has been under pressure since last week, with Bitcoin dipping to $114K, Ethereum trading under $4,200, and XRP struggling to hold the $3 mark. That bearish sentiment is extending into today amid a mix of regulatory news and cautious positioning ahead of a key speech from the Federal Reserve. Bitcoin Sentiment Cools Ahead of Powell’s Speech Bitcoin futures sentiment has cooled after falling to 36% from a high of 70% earlier this month when the asset peaked at $124,400. At press time, Bitcoin trades near $115K, with short-term sellers still in control.  The market greed index is now at 53, a neutral position suggesting the market has shifted away from euphoria into a holding pattern. Investors are now waiting for U.S. Federal Reserve Chair Jerome Powell’s upcoming speech, which could set the tone for crypto amid surging hopes of a first rate cut since December 2024 by next month.  Despite a recent correction from its $124,450 peak to around $115,300, analysts believe Bitcoin is gearing up for a massive rally. Analyst AO has compared Bitcoin’s current pattern to gold’s 2006–2020 trajectory, suggesting a similar breakout could send BTC to $600,000 by 2026. AO’s chart shows Bitcoin consolidating in a wedge similar to gold before its explosive rise, implying a 421% surge is possible. If realized, Bitcoin’s market cap could reach $12 trillion, solidifying its status as “digital gold.” South Korea Cracks Down on Crypto Lending Adding to the bearish pressure, in Asia, South Korea’s Financial Services Commission has ordered local crypto exchanges to suspend all lending services. The…

Author: BitcoinEthereumNews

2025/08/19

Is Aave on the Verge of Cracking Under Its Own DeFi Power?

Is Aave on the Verge of Cracking Under Its Own DeFi Power?

The post Is Aave on the Verge of Cracking Under Its Own DeFi Power? appeared on BitcoinEthereumNews.com. Aave (AAVE), a leading non-custodial liquidity protocol, has established itself as a major player in the decentralized finance (DeFi) ecosystem, controlling approximately half of the DeFi lending market share.  However, as the crypto market remains euphoric amid the broader bull run in 2025, several concerns within Aave emerge that could have severe consequences for the overall market. The Risks Behind Aave’s DeFi Dominance and Market Control According to data from DefiLama, Aave’s Total Value Locked (TVL) stands at $36.73 billion. This accounts for nearly 50% of the total $75.98 billion TVL. Furthermore, the protocol’s TVL reached an all-time high of $40 billion last week. This dominant position makes Aave the ‘backbone’ of decentralized credit systems, enabling users to borrow and lend assets without intermediaries. Nonetheless, this central role also means that if Aave faces issues, it could trigger a ripple effect throughout the entire market. But what could go wrong? One critical concern is the concentration of influence within the protocol’s governance.  Previously, Sandeep Nailwal, Founder and CEO of Polygon Foundation, expressed concerns about the governance structure within Aave. He highlighted that the protocol is governed by one individual (Stani Kulechov, the founder). Nailwal noted that Kulechov has significant control over proposals and voting, effectively running the platform based on personal preferences. “He also threatens the remaining voters to vote as per his proposals (whom i spoke personally after after Polygon proposal). This is when he  already has a HUGE delegated voting power,” he wrote. The user base composition further amplifies Aave’s vulnerabilities. Data from Kaiko Research indicated a shift in 2025, with large users holding collateral exceeding $100,000, rising from 29% in 2023 to 37%. Meanwhile, small users with deposits under $1,000 declined from 15% to 12% over the past two years. “Users with over $100k in collateral grew…

Author: BitcoinEthereumNews

2025/08/19

Best Crypto to Buy That Could 1000x By 2030 if You Missed Bitcoin (BTC)

Best Crypto to Buy That Could 1000x By 2030 if You Missed Bitcoin (BTC)

The post Best Crypto to Buy That Could 1000x By 2030 if You Missed Bitcoin (BTC) appeared on BitcoinEthereumNews.com. As Bitcoin’s meteoric rise over the years continues to dominate headlines, a new coin, Mutuum Finance (MUTM) is quietly capturing the attention of investors. Positioned at the forefront of decentralized finance innovation, Mutuum Finance is trending with its unique staking model and lending platform, drawing comparisons to early crypto giants. Mutuum Finance (MUTM) is standing at $0.035 as it is still in presale phase 6.  MUTM early investors are set for rapid 500% gains when the project launches. In addition, analyst projections forecast 1000x growth in the long run to match Bitcoin’s rise. Mutuum Finance has already raised more than $14.6 million from more than 15400 investors. While mainstream media remains fixated on BTC’s past surges, insiders are keeping a close eye on emerging protocols like Mutuum that could redefine the next wave of crypto growth.  Mutuum Finance (MUTM) Two-Tier DeFi Lending Structure Mutuum Finance (MUTM) is a new non-custodial decentralized DeFi protocol. The protocol enables Peer-to-Contract lending and Peer-to-Peer lending with efficiency and flexibility as the aim. Peer-to-Contract makes use of the smart contract functionality to forward loans with minimal or no human intervention. Peer-to-Peer eliminates intermediaries and has lenders and borrowers trade directly with each other. The model is rather easy to manage risky assets like meme coins. Mutuum Finance (MUTM) Enters Token Presale Phase 6 Mutuum Finance (MUTM) is picking up steam as its presale makes the news. It is currently in phase 6 at $0.035. Its price in the next phase will be increased by 14.29% to $0.04. Investment interest is growing with the project already raising over $14.6 million and already having over 15400 token holders. Mutuum Finance to Introduce USD-Pegged Stablecoin Mutuum Finance is launching its overcollateralized, USD-pegged stablecoin on the Ethereum blockchain. With a robust foundation that can survive the collapse of algorithmic…

Author: BitcoinEthereumNews

2025/08/19

PBOC sets USD/CNY reference rate at 7.1359 vs. 7.1322 previous

PBOC sets USD/CNY reference rate at 7.1359 vs. 7.1322 previous

The post PBOC sets USD/CNY reference rate at 7.1359 vs. 7.1322 previous appeared on BitcoinEthereumNews.com. The People’s Bank of China (PBOC) set the USD/CNY central rate for the trading session ahead on Tuesday at 7.1359 as compared to the previous day’s fix of 7.1322 and 7.1846 Reuters estimate. 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-71359-vs-71322-previous-202508190115

Author: BitcoinEthereumNews

2025/08/19

PEPE Made Headlines, Now Traders Are Investors to This DeFi Gem Under $0.04

PEPE Made Headlines, Now Traders Are Investors to This DeFi Gem Under $0.04

The post PEPE Made Headlines, Now Traders Are Investors to This DeFi Gem Under $0.04 appeared first on Coinpedia Fintech News Pepe Coin (PEPE) grabbed global attention with its viral rise, transforming meme power into multimillion-dollar returns. At one point, traders who bought in early saw massive gains in days, and the coin quickly cemented itself as one of the standout meme tokens of the year. But fast-forward to today, and PEPE’s momentum has noticeably cooled. …

Author: CoinPedia

2025/08/19

Why is Crypto Market Down Today? Bitcoin, Ethereum, XRP News, Litecoin Price and More

Why is Crypto Market Down Today? Bitcoin, Ethereum, XRP News, Litecoin Price and More

The post Why is Crypto Market Down Today? Bitcoin, Ethereum, XRP News, Litecoin Price and More appeared on BitcoinEthereumNews.com. The post Why is Crypto Market Down Today? Bitcoin, Ethereum, XRP News, Litecoin Price and More appeared first on Coinpedia Fintech News August 19, 2025 06:10:45 UTC Bitcoin Futures Sentiment Cools Ahead of Powell’s Speech The sentiment index in the Bitcoin futures market has cooled to 36%, well below the neutral 50% mark. This comes after a brief spike to 70% between August 11–14, when Bitcoin surged to $123K. Currently trading near $115K, market momentum shows sellers dominating in the short term, with neutral open interest suggesting a shift from euphoria to range trading. Analysts warn that as long as sentiment stays under 45–50%, rallies may face selling pressure, raising the risk of testing $112K. All eyes are now on Fed Chair Jerome Powell’s speech for the next market trigger. August 19, 2025 06:06:43 UTC South Korea Orders Crypto Exchanges to Halt Lending Services South Korea’s Financial Services Commission (FSC) has issued a directive requiring local crypto exchanges to suspend all lending services with immediate effect. The regulator said these offerings fall into a legal gray area and pose significant risks, noting that 13% of borrowers have already faced liquidation. Under the order, existing lending contracts can either be extended or repaid, but no new loans are allowed. The FSC also warned that exchanges failing to comply will face on-site inspections and potential penalties. Formal guidelines for crypto lending are expected to be introduced in the coming months. August 19, 2025 05:39:29 UTC Hyperliquid Founder Denies Market Maker Partnerships, Highlights HLP Pool Hyperliquid founder Jeff dismissed speculation that the project relies on special arrangements with market makers. Speaking on a podcast, he explained that, unlike many decentralized exchanges that raised funds by securing market-maker investments, Hyperliquid has never adopted that model. Jeff argued such practices create only a “short-term illusion”…

Author: BitcoinEthereumNews

2025/08/19

South Korea Suspends Crypto Lending to Protect Borrowers

South Korea Suspends Crypto Lending to Protect Borrowers

The post South Korea Suspends Crypto Lending to Protect Borrowers appeared first on Coinpedia Fintech News South Korea’s Financial Services Commission has ordered local crypto exchanges to halt all lending services until official guidelines are introduced. The move follows concerns that 13% of borrowers have been pushed into liquidation due to unclear regulations. Current contracts can be repaid or extended, but no new loans are allowed. Exchanges that fail to comply …

Author: CoinPedia

2025/08/19

South Korea Orders Crypto Exchanges to Halt Lending Services

South Korea Orders Crypto Exchanges to Halt Lending Services

Detail: https://coincu.com/news/south-korea-crypto-lending-halt-2/

Author: Coinstats

2025/08/19

South Korea orders exchanges to halt crypto lending services until new guidelines established

South Korea orders exchanges to halt crypto lending services until new guidelines established

South Korea's Financial Services Commission said crypto lending services exist in a legal gray area and could result in user losses.

Author: Coinstats

2025/08/19

South Korean Regulator to Reorganize AML Protocols Ahead of Stablecoin Legislation

South Korean Regulator to Reorganize AML Protocols Ahead of Stablecoin Legislation

The Financial Intelligence Unit (FIU), a top South Korean regulator, has begun to reorganizing its anti-money laundering (AML) protocols ahead of the “institutionalization” of stablecoins . The FIU said it will conduct stablecoin-related research via external contractors. It will then compile its findings in December this year before drafting a set of guidelines for stablecoin operators and issuers. Per The Bell Korea , the regulator is likely to recommend amendments to the Specific Financial Information Act, with “significant changes” in store. The South Korean National Assembly Building in Seoul, South Korea. (Source: National Assembly [KOGL Type 1]) South Korean Regulator Readies Stablecoin Regulations The regulator is likely to impose entry restrictions and business conduct regulations. Many of these will likely focus on the security of the assets that underpin any South Korean stablecoins, as well as data reporting criteria. An FIU official said that December’s research report would “serve as a foundation for developing AML response measures in response to changes in the virtual asset industry and the institutionalization of stablecoins.” The official added that the measures would help “improve and supplement the existing system.” The FIU currently plays a key role in policing domestic crypto exchanges and ensuring their AML compliance. And the reorganization appears to suggest it expects to become the top AML regulatory authority for stablecoin issuers, despite plans to scrap its parent organization, the Financial Services Commission (FSC). President Lee Jae-myung has previously announced his intention to do away with the FSC. He wants to merge its operations with those of the finance ministry and the Financial Supervisory Service. President Lee Jae Myung’s approval rating has dropped for the second straight week, sinking to a record low of 51.1 percent, a poll showed Monday. The slide comes amid growing controversy over his Liberation Day pardons. https://t.co/VYWndBDJoZ — The Korea JoongAng Daily (@JoongAngDaily) August 18, 2025 However, recent government plan announcements have made no further mention of scrapping the FSC . And the Blue House has even assigned it crypto-related tasks for 2025. FIU Set for Important Regulatory Role? The FIU’s plans, which involve conducting a study on international stablecoin regulations, appear to suggest the regulator expects to police the industry ahead of the rollout of legislation. Several stablecoin bills are on the agenda at the National Assembly. However, lawmakers are yet to fine-tune the details of these draft laws. They continue to deliberate matters like the possible launch of stablecoin lending services. Critics note that the Financial Action Task Force (FATF) and other organizations have warned that stablecoin adoption can lead to increased money laundering risks. The Bell Korea noted that many countries, including the United States, have been “quick to develop countermeasures.” Conversely, it noted, South Korea, is a “latecomer,” in this regard, as it “still lacks a comprehensive system.” The media outlet also added that South Korea “still lacks a clear legal definition of stablecoins.” Thus far, most AML-related legislation (including the Special Financial Transactions Act) and regulations relate to exchanges and crypto wallet operators. Big Businesses Ready to Make Stablecoin Moves While lawmakers are yet to form a firm consensus on stablecoin legislation, both major parties agree that businesses should be allowed to issue or make use of KRW-pegged coins. The headquarters of the South Korean tech giant Naver. (Source: Maskkwon [CC BY-SA 4.0]) Some of the country’s biggest banks and tech firms have responded by registering stablecoin-related trademarks. Others have already launched dedicated stablecoin business units as they await the National Assembly’s green light. Experts expect companies like Kakao and Naver to make significant progress in the stablecoin space. Both already have a sophisticated network of web-based services, ranging from e-payment platforms to banking and software-as-a-service (SaaS) offerings.

Author: CryptoNews

2025/08/19

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