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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

Charles Hoskinson Wants to Fix Cardano’s $5Bn DeFi Problem

Charles Hoskinson Wants to Fix Cardano’s $5Bn DeFi Problem

The post Charles Hoskinson Wants to Fix Cardano’s $5Bn DeFi Problem appeared on BitcoinEthereumNews.com. Charles Hoskinson, the founder of Cardano, is sounding the alarm for the network. While the network boasts a healthy 1.3 million active users, decentralized finance (DeFi) activity on Cardano remains thin — far below the scale needed to reach $5-10 billion in TVL. In his live X stream, he said, “how can we ask Solana and Ethereum users to come and use our DeFi if our own users are not using DeFi. Do they not feel safe? Do they feel experiences are not good enough or the yield isn’t coming?” He also said there can be tonnes of reasons for it and we need a debate on it with these users to try and understand. However, in a later video, he said “ofcourse that’s not to blame users for the Defi woes. We need a debate with these users to come and solve the problem.” His conviction comes as the network recently released Ourobors Phalanx upgrade to enhance network safety by tackling “grinding attacks”. BREAKING NEWS: CHARLES CALLS OUT CARDANO USERS FOR IGNORING CARDANO DEFI 😱😱😱@IOHK_Charles addressed a critical issue on the lack of user participation within Cardano’s DeFi ecosystem. If our own people used our DeFi protocols, our TVL would be $5–10 billion not $680… pic.twitter.com/1wiKsSUV4Q — Mintern (@MinswapIntern) November 2, 2025 Cardano’s DeFi Problem Cardano has millions of active wallets and ~1.3 million staking/governance participants, but only tens of thousands of daily on-chain actors actually using DeFi — and DeFi liquidity (TVL) on Cardano is measured in the low hundreds of millions, not billions. Low TVL generally means big trades suffer slippage and yields – making the network unattractive for professional market-makers and institutions. That discourages both retail traders and capital allocators from moving funds on-chain. Cardano does have a large, active community – but most of those…

Author: BitcoinEthereumNews

2025/11/04

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China Subsidizes Power Costs to Promote Huawei and Cambricon AI Chips in Data Centers

China Subsidizes Power Costs to Promote Huawei and Cambricon AI Chips in Data Centers

The post China Subsidizes Power Costs to Promote Huawei and Cambricon AI Chips in Data Centers appeared on BitcoinEthereumNews.com. COINOTAG recommends • Exchange signup 💹 Trade with pro tools Fast execution, robust charts, clean risk controls. 👉 Open account → COINOTAG recommends • Exchange signup 🚀 Smooth orders, clear control Advanced order types and market depth in one view. 👉 Create account → COINOTAG recommends • Exchange signup 📈 Clarity in volatile markets Plan entries & exits, manage positions with discipline. 👉 Sign up → COINOTAG recommends • Exchange signup ⚡ Speed, depth, reliability Execute confidently when timing matters. 👉 Open account → COINOTAG recommends • Exchange signup 🧭 A focused workflow for traders Alerts, watchlists, and a repeatable process. 👉 Get started → COINOTAG recommends • Exchange signup ✅ Data‑driven decisions Focus on process—not noise. 👉 Sign up → China is subsidizing electricity costs for major data centers operated by ByteDance, Alibaba, and Tencent to promote the use of domestic AI chips from Huawei and Cambricon, aiming to lessen reliance on U.S. technology amid higher energy demands. Subsidies reduce power bills by up to 50% for data centers using local Chinese AI chips. Local governments offer generous incentives to cover increased electricity and cooling costs following the ban on Nvidia’s AI chips. More than half of AI chips in China are expected to be domestically produced in 2025, up from 17% in 2023, according to Bernstein research. China slashes power costs for data centers adopting local AI chips from Huawei and Cambricon, boosting domestic tech amid U.S. restrictions. Discover how this strategy drives AI innovation and reduces foreign dependence—stay informed on global tech shifts today. What Are China’s Subsidies for Local AI Chips? China’s subsidies for local AI chips involve reduced electricity bills for large data centers run by companies like ByteDance, Alibaba, and Tencent, targeting facilities that prioritize domestically produced processors. These incentives, offered by provincial governments,…

Author: BitcoinEthereumNews

2025/11/04

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Ripple Launches Prime Platform for Institutional XRP Trading in Evolving US Market

Ripple Launches Prime Platform for Institutional XRP Trading in Evolving US Market

The post Ripple Launches Prime Platform for Institutional XRP Trading in Evolving US Market appeared on BitcoinEthereumNews.com. COINOTAG recommends • Exchange signup 💹 Trade with pro tools Fast execution, robust charts, clean risk controls. 👉 Open account → COINOTAG recommends • Exchange signup 🚀 Smooth orders, clear control Advanced order types and market depth in one view. 👉 Create account → COINOTAG recommends • Exchange signup 📈 Clarity in volatile markets Plan entries & exits, manage positions with discipline. 👉 Sign up → COINOTAG recommends • Exchange signup ⚡ Speed, depth, reliability Execute confidently when timing matters. 👉 Open account → COINOTAG recommends • Exchange signup 🧭 A focused workflow for traders Alerts, watchlists, and a repeatable process. 👉 Get started → COINOTAG recommends • Exchange signup ✅ Data‑driven decisions Focus on process—not noise. 👉 Sign up → Ripple Prime launches in the US as a new platform for institutional OTC spot trading in digital assets like XRP and RLUSD, enabling seamless cross-margining with derivatives and traditional finance tools. This move positions Ripple as a key bridge between crypto and TradFi, offering comprehensive prime brokerage services to major clients. Ripple Prime introduces OTC spot execution for prominent cryptocurrencies and stablecoins, including XRP and RLUSD. The platform integrates spot trades with derivatives, swaps, and futures for efficient cross-margining. Following the acquisition of Hidden Road, Ripple enhances its global infrastructure for multi-asset prime brokerage, supporting FX, fixed income, and crypto spot trading. Ripple Prime launch revolutionizes institutional crypto trading with OTC spot services for XRP and RLUSD. Discover how this bridges TradFi and digital assets—explore features and implications now. What is Ripple Prime and How Does Its Launch Impact Institutional Crypto Trading? Ripple Prime is Ripple’s newly launched institutional prime brokerage platform in the US, focusing on over-the-counter (OTC) spot trading for major digital assets, including its native token XRP and stablecoin RLUSD. Set to break ground on November…

Author: BitcoinEthereumNews

2025/11/04

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Milk Mocha $HUGS Whitelist Officially Ends: Step Into the Most Heartwarming Crypto Presale of 2025

Milk Mocha $HUGS Whitelist Officially Ends: Step Into the Most Heartwarming Crypto Presale of 2025

The whitelist for Milk Mocha’s $HUGS has officially closed after reaching its limit within just hours. Fans and global participants […] The post Milk Mocha $HUGS Whitelist Officially Ends: Step Into the Most Heartwarming Crypto Presale of 2025 appeared first on Coindoo.

Author: Coindoo

2025/11/04

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Next 100x Crypto Presale or Just Hype? Why Analysts Say LivLive’s Utility Beats Bitcoin Hyper and Nexchain

Next 100x Crypto Presale or Just Hype? Why Analysts Say LivLive’s Utility Beats Bitcoin Hyper and Nexchain

Some projects chase hype. Others quietly build history. Right now, three names are defining that split as the next 100x crypto presales: LivLive ($LIVE), Bitcoin Hyper ($HYPER), and Nexchain ($NEX). Each claims a piece of the future, but only one is connecting blockchain to something deeper: reality itself. Bitcoin Hyper is racing to scale Bitcoin’s [...] The post Next 100x Crypto Presale or Just Hype? Why Analysts Say LivLive’s Utility Beats Bitcoin Hyper and Nexchain appeared first on Blockonomi.

Author: Blockonomi

2025/11/04

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Nick Szabo Views Bitcoin’s Rise as Psychological Learning Curve in Sound Money Shift

Nick Szabo Views Bitcoin’s Rise as Psychological Learning Curve in Sound Money Shift

The post Nick Szabo Views Bitcoin’s Rise as Psychological Learning Curve in Sound Money Shift appeared on BitcoinEthereumNews.com. COINOTAG recommends • Exchange signup 💹 Trade with pro tools Fast execution, robust charts, clean risk controls. 👉 Open account → COINOTAG recommends • Exchange signup 🚀 Smooth orders, clear control Advanced order types and market depth in one view. 👉 Create account → COINOTAG recommends • Exchange signup 📈 Clarity in volatile markets Plan entries & exits, manage positions with discipline. 👉 Sign up → COINOTAG recommends • Exchange signup ⚡ Speed, depth, reliability Execute confidently when timing matters. 👉 Open account → COINOTAG recommends • Exchange signup 🧭 A focused workflow for traders Alerts, watchlists, and a repeatable process. 👉 Get started → COINOTAG recommends • Exchange signup ✅ Data‑driven decisions Focus on process—not noise. 👉 Sign up → Nick Szabo views Bitcoin’s progress as a psychological learning curve, emphasizing its role as trust-minimized savings amid economic instability. Adoption waves mirror stock market patterns, with education driving long-term value over short-term speculation. Bitcoin’s adoption involves waves of real progress interspersed with speculative overshoots and market noise. Szabo prioritizes psychological understanding over technical or macroeconomic factors in Bitcoin’s evolution. With BTC trading at around $104,500, down 2% recently, education remains the key signal for future growth, supported by historical monetary patterns. Explore Nick Szabo’s insights on Bitcoin’s learning curve and its sound money thesis in 2025’s volatile economy. Discover why education trumps macro data for long-term adoption—read now for expert analysis. What is Bitcoin’s Psychological Learning Curve According to Nick Szabo? Bitcoin’s psychological learning curve refers to the gradual societal understanding of its value as a secure, dilution-resistant form of savings, as articulated by cryptographer Nick Szabo. In a recent thread, Szabo highlighted that Bitcoin is still in the early stages of this educational phase, where public perception shifts from viewing it as a speculative tech asset to recognizing…

Author: BitcoinEthereumNews

2025/11/04

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Researcher Highlights Ripple’s Advantage Over SWIFT, Stellar, and Algorand in Payments

Researcher Highlights Ripple’s Advantage Over SWIFT, Stellar, and Algorand in Payments

A PM Insights report highlighted by SMQKE shows Ripple as the top integrated blockchain platform. Stellar, Algorand, and SWIFT are described as handling narrower or legacy functions. Ripple’s focus on compliance and scalability is driving its institutional adoption. Crypto researcher SMQKE has drawn attention to an analysis suggesting that Ripple maintains a clear competitive edge over Stellar, Algorand, and SWIFT in the blockchain payments sector. The findings, originally published by PM Insights, emphasize Ripple’s dominance in unifying core financial functions under one scalable platform. Ripple’s Integrated Framework Outpaces Competitors According to the report, the blockchain payments market is divided between “point solutions” and “integrated platforms.” Ripple is identified as the leader in the latter category, offering a comprehensive infrastructure that combines real-time settlements, digital asset custody, and stablecoin liquidity — all within a single system. This multi-layered approach appeals to banks and enterprises seeking compliance-first solutions and reliable cross-border settlement rails. Also Read: Big News: Ripple acquires Palisade to expand institutional crypto custody services RIPPLE HOLDS CLEAR ADVANTAGE OVER STELLAR, ALGORAND, AND SWIFT IN BLOCKCHAIN PAYMENTS Ripple’s advantage comes from being the ONLY platform that unites real time settlements, digital asset custody, and stablecoin liquidity in ONE SYSTEM. While Stellar, Algorand, and… pic.twitter.com/t9xdEXK0xf — SMQKE (@SMQKEDQG) November 3, 2025 Stellar, Algorand, and SWIFT Limited to Narrower Roles In contrast, Stellar and SWIFT are described as serving more specialized functions — with Stellar focusing on remittances and SWIFT remaining tied to legacy financial messaging systems. Meanwhile, IBM Blockchain and Algorand are recognized for enterprise-focused innovations like tokenization and smart contracts, but the report notes they “lack payment-specific optimization.” The analysis highlights that Ripple’s institutional success is powered by its dual focus on technical scalability and regulatory alignment. This combination positions Ripple to meet the evolving needs of programmable finance, making it a preferred infrastructure choice for financial institutions pursuing blockchain integration at scale. Market Context: Ripple Expands Institutional Reach The findings come at a time when Ripple continues to expand its global footprint, with major partnerships and acquisitions announced in recent weeks. Analysts say Ripple’s integrated approach, blending compliance, liquidity, and interoperability, sets it apart in a sector often fragmented by niche providers. SMQKE’s commentary echoes the sentiment of the report: while others tackle specific aspects of blockchain finance, Ripple’s full-stack infrastructure may solidify its leadership in the institutional payments space. Also Read: Bitwise and Grayscale Race Ahead With XRP and DOGE ETFs as SEC Faces Shutdown The post Researcher Highlights Ripple’s Advantage Over SWIFT, Stellar, and Algorand in Payments appeared first on 36Crypto.

Author: Coinstats

2025/11/04

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DRW and Liberty City Lead $540M Push Into Tokenized Finance

DRW and Liberty City Lead $540M Push Into Tokenized Finance

The post DRW and Liberty City Lead $540M Push Into Tokenized Finance appeared on BitcoinEthereumNews.com. Fintech Two major investment firms – DRW Holdings, led by veteran trader Don Wilson, and Liberty City Ventures – are moving deeper into the digital asset economy with a high-profile deal involving Tharimmune Inc., a publicly traded vehicle designed to accumulate blockchain-based tokens on its balance sheet. Under the newly announced subscription agreement, the two firms will inject roughly $540 million into Tharimmune through a private placement priced at $3.075 per share. The transaction is set to close around November 6, marking one of the largest token-related corporate financing efforts of 2025. Building a Public Gateway for Digital Tokens Tharimmune’s new focus is centered on Canton Coin, the native token of the Canton blockchain, which was developed by Digital Asset Holdings – a company backed by major financial players including Goldman Sachs, Citadel Securities, and DRW itself. The blockchain aims to serve as a fully regulated infrastructure for institutional-grade financial transactions, blending the transparency of public ledgers with the compliance frameworks of traditional finance. By acquiring and holding Canton Coins, Tharimmune will operate similarly to a digital asset treasury company, a model inspired by Michael Saylor’s Strategy, the largest corporate holder of Bitcoin. Like Saylor’s firm, Tharimmune aims to give investors indirect exposure to blockchain assets through traditional equity markets. Growing Institutional Interest This latest investment marks a continuation of a trend where Wall Street trading firms are seeking structured, publicly listed vehicles to participate in blockchain ecosystems. Earlier this year, DRW and Liberty City joined a $135 million funding round for Digital Asset alongside other financial heavyweights. Shares of Tharimmune jumped 4.6% on Monday in New York after the deal was announced, signaling investor enthusiasm for the company’s pivot toward blockchain-based assets. Bloomberg first reported last week that the two firms were in discussions to raise around $500 million…

Author: BitcoinEthereumNews

2025/11/04

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Crypto News: DRW and Liberty City Lead $540M Push Into Tokenized Finance

Crypto News: DRW and Liberty City Lead $540M Push Into Tokenized Finance

Under the newly announced subscription agreement, the two firms will inject roughly $540 million into Tharimmune through a private placement […] The post Crypto News: DRW and Liberty City Lead $540M Push Into Tokenized Finance appeared first on Coindoo.

Author: Coindoo

2025/11/04

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Moonwell lending contract attacked, attackers profit 295 ETH.

Moonwell lending contract attacked, attackers profit 295 ETH.

PANews reported on November 4th that, according to CertiK monitoring, the Moonwell lending contract was attacked by multiple transactions. The attackers exploited a faulty oracle's returned wrst price (approximately $5.8 million) to repeatedly borrow more than 20 wstETH by flash-borrowing only about 0.02 wrstETH and depositing it, thereby profiting 295 ETH (approximately $1 million).

2025/11/04

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