ExchangeDEX+
Buy CryptoMarketsSpotFuturesGOLDEarnEvent Center
More
Commodity Zero-Fee Gala

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.

15567 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
PBOC sets USD/CNY reference rate at 7.0880 vs. 7.0864 previous

PBOC sets USD/CNY reference rate at 7.0880 vs. 7.0864 previous

The post PBOC sets USD/CNY reference rate at 7.0880 vs. 7.0864 previous appeared on BitcoinEthereumNews.com. Friday, the People’s Bank of China (PBOC) set the USD/CNY central rate for the trading session ahead at 7.0880 compared to the previous day’s fix of 7.0864 and 7.1171 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-70880-vs-70864-previous-202510310115

Author: BitcoinEthereumNews

2025/10/31

New Crypto Mutuum Finance (MUTM) Nears V1 Protocol Launch as Investors Snap Up Over 80% of Presale Phase 6

New Crypto Mutuum Finance (MUTM) Nears V1 Protocol Launch as Investors Snap Up Over 80% of Presale Phase 6

The post New Crypto Mutuum Finance (MUTM) Nears V1 Protocol Launch as Investors Snap Up Over 80% of Presale Phase 6 appeared on BitcoinEthereumNews.com. Mutuum Finance (MUTM) is turning heads in Q4 2025 as it prepares V1 launch of its lending and borrowing protocol. The project has seen strong demand in its presale in recent weeks. Phase 6 is now nearly complete with more than $18.2 million raised. Investors show strong interest aiming to reap huge bull run gains. This has positioned MUTM among the most talked-about DeFi cryptos of 2025. The presale’s rapid sellout pace signals massive FOMO, with early participants eager to secure tokens before the next price increase. Mutuum Finance’s upcoming V1 protocol, expected to debut on the Sepolia Testnet in Q4 2025, will feature an advanced lending and borrowing ecosystem powered by liquidity pools, mtTokens, and an automated liquidator bot. This launch represents a major milestone in building a secure, scalable, and user-centric DeFi platform. With momentum accelerating and presale availability shrinking fast, MUTM stands out as the new crypto investors are rushing to accumulate before its potential breakout moment. Mutuum Finance Presale Stage 6 Nears Sell-Out Mutuum Finance (MUTM) has captured strong interest with its ongoing presale. The project rallied past its first 5 presale stages faster than expected and is now in the sixth at $0.035. Joining the presale today means getting MUTM tokens at the cheapest possible price.  When phase 7 kicks off, the price per coin will pump nearly 20%. This emphasizes the need to buy while it’s still early. More than 17550 investors have scooped up MUTM tokens, bringing the presale raise to $18.15 million. The rapid uptake underscores Mutuum Finance’s growing reputation as the best DeFi crypto to invest in for both high short-term rewards and long-term value growth. Built on Secure Infrastructure and Smart Risk Management At its core, Mutuum Finance is built around a secure, risk-weighted infrastructure designed to protect both the…

Author: BitcoinEthereumNews

2025/10/31

Universal Music Group Settles Lawsuit with AI Startup Udio, Explores Collaborative Platform

Universal Music Group Settles Lawsuit with AI Startup Udio, Explores Collaborative Platform

The post Universal Music Group Settles Lawsuit with AI Startup Udio, Explores Collaborative Platform 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 → Universal Music Group has settled its lawsuit against AI music startup Udio through a comprehensive agreement that includes a legal resolution and a strategic partnership. The deal paves the way for a new paid AI music creation platform trained on licensed Universal catalog tracks from artists like Billie Eilish, ensuring fair compensation for creators while fostering ethical AI innovation in the music industry. Settlement and partnership announced: Universal Music Group and Udio resolve ongoing litigation with a collaborative framework. The agreement introduces a paid platform for AI-generated music, set to launch next year, focusing on ethical use of copyrighted material. Unlike Suno, which remains in dispute, Udio’s model will incorporate fingerprinting and filtering to protect artists’ rights, with Universal’s catalog as training data. Universal Music Group Udio settlement unlocks AI music innovation: Explore the partnership details, artist protections, and future platform launch for ethical content creation. Stay informed on music industry shifts. (152 characters) What is the Universal Music Group Udio Settlement? Universal Music Group Udio settlement refers to a landmark agreement reached between the major record label and…

Author: BitcoinEthereumNews

2025/10/31

Coinbase Boosts Bitcoin Holdings by 2,772 BTC in Q3: Here’s What It Means

Coinbase Boosts Bitcoin Holdings by 2,772 BTC in Q3: Here’s What It Means

Coinbase has demonstrated a strong commitment to expanding its cryptocurrency holdings and diversified offerings in Q3, signaling its strategic move to position itself as an all-encompassing digital asset exchange. The company’s increased Bitcoin accumulation, combined with their efforts to broaden DeFi and tokenized asset services, indicates a continued focus on reinforcing its presence in the [...]

Author: Crypto Breaking News

2025/10/31

Standard Chartered: The tokenized RWA market is expected to reach $2 trillion by 2028, with the "vast majority" of it being based on Ethereum.

Standard Chartered: The tokenized RWA market is expected to reach $2 trillion by 2028, with the "vast majority" of it being based on Ethereum.

PANews reported on October 31st that, according to The Block, Standard Chartered Bank predicts the market capitalization of Real-World Asset Tokenization (RWA), excluding stablecoins, will expand from approximately $35 billion to $2 trillion by 2028, an increase of about 5600%. Geoffrey Kendrick, Head of Digital Asset Research at Standard Chartered, stated that stablecoins lay the foundation for the large-scale on-chaining of other assets, with the "vast majority" of such activity taking place on Ethereum, which has been operating for over 10 years without mainnet outages. Kendrick estimates that by 2028, tokenized money market funds and listed stocks will account for the largest share, with money market funds accounting for $750 billion driven by corporate use of stablecoins, and listed stocks accounting for $750 billion once US regulations become clearer. Kendrick believes that lending, especially RWA, is key to DeFi's disruption of traditional finance, and DeFi has begun a growth cycle. The US Genius Act accelerated the adoption of stablecoins, and the Digital Asset Markets Clarification Act is expected to further legalize asset tokenization. Even without this act, regulatory agencies may have clear rules by acting in accordance with the law; however, the lack of clarity in US regulations remains a risk.

Author: PANews

2025/10/31

Argentina eases bank reserve rules to spur liquidity

Argentina eases bank reserve rules to spur liquidity

The post Argentina eases bank reserve rules to spur liquidity appeared on BitcoinEthereumNews.com. Argentina’s central bank has announced a move to ease daily reserve requirements for commercial banks, allowing them to meet 95% of the obligation instead of the previous 100%. The measure aims to free up liquidity and boost lending amid ongoing economic pressures. This development comes soon after President Javier Milei’s party achieved a critical midterm election victory. As stated before, reserve ratios remain the same and vary depending on the type of deposit or instrument. The primary difference between the current amendment and the previous one is that financial institutions, in addition to maintaining daily compliance stringency, are now permitted to moderate their daily liquidity buffer. Officials say the step is designed to help credit flow to households and businesses while maintaining overall financial stability. According to the press release, the Bank of Argentina describes the revision as the first major policy change since the midterm election, in which Milei’s party received a landslide victory in both chambers of parliament, and the market responded with optimism. The change in Argentina comes after months of high inflation and tight liquidity, which have constrained bank lending. Analysts note that while the easing is modest, it signals the central bank’s intent to support economic activity without triggering major inflationary pressures. Milei’s victory prompts central bank action The easing was warranted following the president’s victory, but also due to pressure from banking representatives. The latter’s leaders had been discussing the matter earlier, arguing that the requirement to set aside the reserves daily forces them to maintain inefficiently large balances.  The sector’s leaders had called on the BCRA to adopt a monthly compliance model, but the bank opted for a gradual approach. The regulator, in this instance, assures that the easing is not a full rollback, freeing some liquidity back into the financial ecosystem, but…

Author: BitcoinEthereumNews

2025/10/31

How BlockDAG, Snorter Token, Maxi Doge, & Best Wallet Token Are Redefining Blockchain

How BlockDAG, Snorter Token, Maxi Doge, & Best Wallet Token Are Redefining Blockchain

The post How BlockDAG, Snorter Token, Maxi Doge, & Best Wallet Token Are Redefining Blockchain  appeared on BitcoinEthereumNews.com. Crypto News Explore how BlockDAG and other top presale crypto coins like Snorter Token, Maxi Doge, and Best Wallet Token are shaping 2025’s blockchain future. Competition among presale crypto coins is intensifying as new projects push to expand the limits of blockchain efficiency and use cases. Among the current frontrunners, BlockDAG (BDAG) continues to capture global attention for addressing the long-standing blockchain trilemma, balancing scalability, security, and decentralization. Meanwhile, Snorter Token, Maxi Doge, and Best Wallet token bring their own unique strengths, from algorithmic trading bots to meme-powered DeFi and practical ecosystem integrations. These presale crypto coins represent more than short-term market excitement; they mark the transition toward functional, interconnected blockchain ecosystems. Below, each project’s approach highlights how diverse models can coexist while contributing to the next wave of blockchain development in 2025. BlockDAG (BDAG): Breaking the Blockchain Trilemma with Proven Performance BlockDAG (BDAG) distinguishes itself through verifiable performance rather than theoretical promises. The blockchain trilemma, achieving security, scalability, and decentralization simultaneously, has long challenged major networks. Bitcoin prioritized security but sacrificed speed, Ethereum struggled with congestion, and Solana faced operational downtime. BDAG’s hybrid Directed Acyclic Graph (DAG) + Proof-of-Work (PoW) framework resolves these trade-offs by using parallel transaction confirmation, maintaining security while achieving superior throughput. The Awakening Testnet has already recorded 1,400 transactions per second (TPS), with scalability engineered for up to 15,000 TPS. Its presale results reinforce this progress: nearly $435 million raised, 27.2B+ BDAG sold, and a community exceeding 312,000 holders with 3.5 million miners connected via the X1 app. BlockDAG is now in Batch 32, priced at $0.005, with its official listing set for February 10, 2026. With only 4.5 billion coins left in the presale, this marks the final stretch before BlockDAG’s highly anticipated market debut. Beyond metrics, BDAG’s audited architecture, BWT Alpine Formula 1®…

Author: BitcoinEthereumNews

2025/10/31

ECB Holds Rates Steady Amid Uncertainty; Euro Dips 0.4% Against USD

ECB Holds Rates Steady Amid Uncertainty; Euro Dips 0.4% Against USD

The post ECB Holds Rates Steady Amid Uncertainty; Euro Dips 0.4% Against USD 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 → The European Central Bank (ECB) has maintained its key interest rates unchanged for the third straight meeting in October 2025, with the main refinancing rate at 2.15%, marginal lending facility at 2.4%, and deposit facility at 2.0%. This decision signals stability amid economic uncertainties, potentially supporting cryptocurrency markets as a hedge against traditional fiat volatility. ECB holds rates steady: Main refinancing rate remains at 2.15%, reflecting confidence in eurozone inflation control near the 2% target. President Christine Lagarde highlights navigating global uncertainties, including geopolitical tensions and trade disputes, while affirming the bank’s commitment to economic stability. Euro depreciates 0.4% against USD post-announcement, trading at 1.1562, as markets interpret remarks as dovish; this could boost crypto adoption amid fiat weakness, with Bitcoin showing resilience in similar environments. ECB holds interest rates steady in October 2025 amid inflation stability—explore impacts on eurozone economy and cryptocurrency markets. Stay informed on global finance shifts driving crypto trends today. What are the current ECB interest rates in 2025? ECB interest rates in 2025 remain unchanged, with the main refinancing rate at 2.15%, the marginal…

Author: BitcoinEthereumNews

2025/10/31

Standard Chartered Projects $20 Trillion RWA Market by 2026

Standard Chartered Projects $20 Trillion RWA Market by 2026

The post Standard Chartered Projects $20 Trillion RWA Market by 2026 appeared on BitcoinEthereumNews.com. Key Points: Projection of RWA market growth to $20 trillion by 2026 Stablecoins as a key driving factor Strategic collaborations enhancing institutional involvement Standard Chartered Bank has predicted that the total value of tokenized real-world assets could soar to $20 trillion within three years, driven by blockchain efficiency. Rising value marks a seismic shift in finance, challenging traditional systems with decentralized finance advances and fostering significant institutional involvement. Immediate impacts on DeFi and stablecoin markets anticipated. Ethereum’s Role and Regulatory Considerations in Tokenization Standard Chartered released a report highlighting a vast potential for tokenized RWAs to grow from $350 billion to $20 trillion by 2026. Geoff Kendrick, Head of Foreign Exchange and Digital Asset Research at Standard Chartered, considers stablecoins a key drive. Key allocations include $7.5 trillion in money market funds and U.S. stocks, contributing significantly to the projections. Additional investments of $2.5 trillion are anticipated for private equity sectors, including commodities and real estate. “The success of stablecoins in 2025 has started to disrupt TradFi payment networks and savings. It has also set three important DeFi boom preconditions in motion — raised awareness in developed markets, created the necessary liquidity on-chain, and driven an expansion of on-chain lending and borrowing.” – Geoff Kendrick, Head of Foreign Exchange and Digital Assets Research, Standard Chartered Market Data and Future Insights Did you know? The anticipated growth to $20 trillion could potentially eclipse the current scale of tokenized real-world assets by over 57 times in just a few years, indicating unprecedented integration of blockchain infrastructure. Ethereum (ETH) is currently priced at $3,714.89 with a market cap totaling $448.38 billion and dominance of 12.46%. Reporting a 24-hour trading volume of $39.70 billion, Ethereum endured a daily price change of -5.36%. CoinMarketCap provided these figures. Ethereum(ETH), daily chart, screenshot on CoinMarketCap at 19:02…

Author: BitcoinEthereumNews

2025/10/31

85% Sold Out: This Rising DeFi Crypto Will Surge 20% Before V1 Protocol Launch

85% Sold Out: This Rising DeFi Crypto Will Surge 20% Before V1 Protocol Launch

Mutuum Finance (MUTM) aims to build lasting demand through its protocol structure. It blends advanced financial mechanics with community-level accessibility. The V1 protocol launches on Sepolia Testnet in Q4 2025.

Author: Hackernoon

2025/10/31

Recommended by active authors

BitcoinEthereumNews
BitcoinEthereumNews
5018Articles
Cryptopolitan
Cryptopolitan
1119Articles
Coinstats
Coinstats
999Articles
PANews
PANews
979Articles

Related Tags

#Oracle#Brifge#Yield-Farming#Basis-Trading#Prediction-Market#Launchpad#Liquid-Staking#DePIN#RWA

Latest Articles

Trump's brutal tactic crashed into a wall — and his new strategy isn't faring any better

Trump's brutal tactic crashed into a wall — and his new strategy isn't faring any better

2026/02/14 18:30
White House Crypto Adviser Tells Banks to Embrace Stablecoin Yield Debate

White House Crypto Adviser Tells Banks to Embrace Stablecoin Yield Debate

2026/02/14 18:16
What Are the Consequences of Plagiarism in Academia?

What Are the Consequences of Plagiarism in Academia?

2026/02/14 18:03
Top Crypto to Invest In: Why Investors Seeking Quick Gains Are Favoring This DeFi Token Over Shiba Inu (SHIB)

Top Crypto to Invest In: Why Investors Seeking Quick Gains Are Favoring This DeFi Token Over Shiba Inu (SHIB)

2026/02/14 18:00
Youth Eco Summit 2026: Why Responsible AI Is Now a CX Imperative

Youth Eco Summit 2026: Why Responsible AI Is Now a CX Imperative

2026/02/14 17:56