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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.

15223 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
ETH Surged as Capital Fled Bitcoin in Q3, CoinGecko Report Finds

ETH Surged as Capital Fled Bitcoin in Q3, CoinGecko Report Finds

The post ETH Surged as Capital Fled Bitcoin in Q3, CoinGecko Report Finds appeared on BitcoinEthereumNews.com. Ethereum ETH$3,984.24 emerged as the frontrunner in crypto’s third-quarter recovery, leaving bitcoin BTC$106,931.06 behind as capital flowed into altcoins, DeFi protocols, and a new wave of tokenized assets, a report by CoinCecko found. The broader market added over half a trillion dollars in value, its second straight quarter of meaningful growth, but this time, it wasn’t bitcoin leading the charge. Instead, investors looked to ethereum ETH$3,984.24 and other large-cap tokens to carry momentum forward, a report by CoinCecko found. At the start of July, it looked like bitcoin would again set the pace. Its price hit new highs early in the quarter, buoyed by retail interest and institutional inflows through spot exchange-traded funds (ETFs). But by September, the narrative had changed. While bitcoin cooled off, ether caught fire. A combination of ETF demand, growing interest in tokenized real-world assets, and renewed attention from corporate treasuries helped ETH hit a fresh all-time high before settling back. That shift in focus was one of the quarter’s defining trends, analysts at CoinGecko wrote. Trading activity, which had fallen for two straight quarters, snapped back with strength. Spot volumes surged across centralized and decentralized exchanges. But the story wasn’t just about volume, it was about where that volume was going. Meme coins, long considered fringe, made a dramatic return with tokens like M climbing the charts. Stablecoins like USDe gained ground, and lesser-known altcoins entered the top 30 by market cap. DeFi, which had faded from the spotlight in late 2024, mounted a comeback as total value locked in lending and staking protocols climbed alongside Ethereum’s rise, according to the report. A shift in investor appetite Behind the scenes, structural shifts were taking shape. Bitcoin’s share of the total crypto market declined, a sign that investor appetite had moved toward other narratives. Ethereum gained…

Author: BitcoinEthereumNews

2025/10/20

What Is FXRP? How Flare Is Bringing DeFi to XRP Holders

What Is FXRP? How Flare Is Bringing DeFi to XRP Holders

The post What Is FXRP? How Flare Is Bringing DeFi to XRP Holders appeared on BitcoinEthereumNews.com. For years, XRP has been one of the most traded cryptocurrencies in the world. But it’s remained stuck mostly outside of DeFi. While tokens like Ethereum and Solana built entire ecosystems of decentralized lending, staking, and yield farming, XRP holders weren’t so lucky. That’s because the XRP Ledger (XRPL), though fast and efficient for payments, doesn’t support smart contracts. Flare Network wants to close that gap. Built as an EVM-compatible Layer 1 blockchain, Flare brings programmability to non-smart-contract assets like XRP, Bitcoin, and Dogecoin. And at the heart of this new connection is FXRP. It’s a token that mirrors XRP 1:1 on the Flare blockchain. FXRP allows XRP holders to finally participate in DeFi without giving up custody of their assets. It’s part of a new movement often called “XRPFi”, where XRP liquidity powers lending markets, decentralized exchanges, and staking protocols across the Flare ecosystem. In this article, I’ll break down how FXRP works, how to mint it, and why it could be a turning point for XRP holders looking to tap into DeFi. Key highlights: FXRP lets XRP holders use their tokens in DeFi via the Flare Network. It’s trustless and overcollateralized, not dependent on custodians. Users can mint FXRP by linking XRP and EVM wallets on Flare’s portal. XRPFi turns XRP from a payment coin into a DeFi asset. FXRP could become a model for bringing other major coins into DeFi. What is Flare Network and how does it work? Flare Network is a Layer 1 blockchain that acts as a bridge between traditional cryptocurrencies and decentralized finance. Unlike Ethereum or Solana, which have their own native ecosystems, Flare’s primary purpose is to make non-smart-contract assets usable in DeFi through interoperability and data integration. Fundamentally, Flare is EVM-compatible, meaning it can run Ethereum-style smart contracts. This means developers…

Author: BitcoinEthereumNews

2025/10/20

Crypto Market Gears Up for Breakout as Stablecoin Reserves Hit Record High

Crypto Market Gears Up for Breakout as Stablecoin Reserves Hit Record High

The post Crypto Market Gears Up for Breakout as Stablecoin Reserves Hit Record High appeared on BitcoinEthereumNews.com. Altcoins A quiet but powerful shift is building beneath the surface of the crypto market. After months of uneven trading, digital assets appear to be stabilizing – and the fuel for the next leg higher may already be waiting. Bitcoin is holding around $107,000, while leading altcoins such as Ethereum, Solana, and Avalanche are clawing back losses from last week’s sell-off. But the real story isn’t price action – it’s liquidity. According to DeFiLlama, the combined supply of stablecoins has climbed to a record $304.5 billion, marking the largest pool of idle crypto capital in history. The Calm Before the Liquidity Wave Stablecoins are the blockchain equivalent of cash – parked capital waiting for an opportunity. When their market cap expands, it typically signals accumulation, not retreat. Investors are sitting on vast reserves, waiting for a trigger that restores risk appetite. In previous cycles, similar surges in stablecoin supply have foreshadowed explosive rallies in Bitcoin, DeFi tokens, and smaller altcoins. The logic is simple: when billions in sidelined liquidity decide to move, the impact cascades through every layer of the market. Capital Is Looking for a Home Where that liquidity goes next is the billion-dollar question. Analysts point to Decentralized Finance (DeFi) and tokenized real-world assets (RWAs) as the prime beneficiaries. In DeFi, lending pools and trading platforms have matured dramatically since 2021, with better security audits and institutional-grade interfaces. Investors searching for yield now see these venues as safer and more transparent than in previous cycles. The tokenization movement, meanwhile, is gaining traction among traditional giants. Financial powerhouses like BlackRock and Standard Chartered are exploring blockchain-based settlement systems, using stablecoins as the bridge between legacy finance and crypto-native liquidity. A Market Ready to Reignite Analysts believe this combination – record stablecoin reserves, improving sentiment, and expanding institutional adoption –…

Author: BitcoinEthereumNews

2025/10/19

Bitcoin Price Prediction: How Likely Is A Drop To $90K? Investors Hedge With RTX

Bitcoin Price Prediction: How Likely Is A Drop To $90K? Investors Hedge With RTX

The post Bitcoin Price Prediction: How Likely Is A Drop To $90K? Investors Hedge With RTX appeared on BitcoinEthereumNews.com. The latest bitcoin price prediction is tinged with nervousness. With Bitcoin currently trading around $107,000, several analysts are warning that a retest of $90,000 is more than just a remote possibility, it could be imminent. Yet even as traders brace for potential volatility forecasted by Bitcoin price prediction models, a growing number of investors are diversifying into high-upside altcoins like Remittix,  a project many see as a hedge against Bitcoin’s next major move.  Analysts are describing Remittix as the “next 100x crypto” ready for takeoff as soon as major liquidity rotates away from Bitcoin. Here’s all you need to know. Bitcoin Price Predictions: Assessing Bitcoin’s Q4 $90,000 Threat A breakdown below key support zones is setting the stage for a bloody October according to pessimistic Bitcoin price prediction models. Most analysts say if Bitcoin breaches $102,000, it could quickly fall toward the mid-$90,000 range, with $90,000 as a psychologically loaded level where institutional demand is clustered.  Conversely, Bitcoin fundamentals show that the largest cryptocurrency in the world is not in the process of losing its fire. On the contrary, it is gaining strong momentum silently and the recent BTC price move is part of a much needed correction.   In a show of just how much the big players believe in Bitcoin, El Salvador recently declared the opening of its own Bitcoin Bank, which is another significant step towards international adoption of BTC and top Bitcoin price prediction models expect this move will open new financial opportunities to both the citizens and foreign investors.  BTC-based lending, savings, and payments is expected to become easier and more accessible through the Bitcoin Bank and will turn El Salvador into a center of digital finance in Latin America. Although the price action of Bitcoin has been volatile in the short term, long-term supporters are…

Author: BitcoinEthereumNews

2025/10/19

Officially The Best Crypto Presale Of 2025: Why LivLive’s Real Utility Rises Above Meme Coins Like Maxi Doge and PepeNode

Officially The Best Crypto Presale Of 2025: Why LivLive’s Real Utility Rises Above Meme Coins Like Maxi Doge and PepeNode

LivLive ($LIVE) is redefining crypto utility with AR-powered rewards for real actions, rising at $0.02 in presale while Maxi Doge and PepeNode rely on hype.

Author: Blockchainreporter

2025/10/19

As Bitcoin’s Price Sparks Market Turbulence, Here’s Why Presales Like BlockchainFX Could Represent Safer Investments

As Bitcoin’s Price Sparks Market Turbulence, Here’s Why Presales Like BlockchainFX Could Represent Safer Investments

As Bitcoin stabilizes near $112K after a sharp drop, investors eye BlockchainFX ($BFX) at $0.028 for its staking rewards, audits, and multi-asset trading utility.

Author: Blockchainreporter

2025/10/19

This Token Priced at Just $0.035 Might Change Your Crypto Portfolio Forever

This Token Priced at Just $0.035 Might Change Your Crypto Portfolio Forever

The crypto market is full of tokens promising the next big wave — but every cycle, only a few early-stage projects truly stand out. Many of the most successful stories share a common thread: they were discovered while still in their presale phase, long before exchange listings or major marketing pushes. In 2020, investors who identified Solana early saw life-changing gains. In 2021, early Aave backers watched the protocol reshape DeFi lending markets. Now, in 2025, a new Ethereum-based project called Mutuum Finance (MUTM) is drawing similar attention. With a current presale price of just $0.035, rapidly increasing allocations, and major protocol milestones ahead, some analysts believe this could be one of the defining DeFi crypto stories of the next cycle. Mutuum Finance (MUTM) Mutuum Finance is a decentralized finance (DeFi) protocol designed to bring a more structured, utility-driven approach to token value. Instead of relying on hype alone, the team has built its growth strategy around transparent presale mechanics, verifiable on-chain milestones, and clear utility. The presale has been running since early 2025 and has already demonstrated impressive traction. MUTM is currently priced at $0.035 in Phase 6, up from $0.01 in Phase 1. To date, the project has raised $17.4 million, attracted over 17,200 holders, and allocated 66% of the Phase 6 tokens.  Once Phase 6 is fully subscribed, the token price will rise by nearly 20%, moving closer to the planned $0.06 listing price. This structured approach gives early participants transparent pricing and rewards those who enter before key milestones. To keep engagement high, Mutuum Finance runs a 24-hour leaderboard. Each day, the top depositor receives a $500 MUTM bonus, provided they complete at least one transaction in that period. This feature has proven effective at maintaining daily activity from both retail buyers and larger participants, contributing to steady momentum as the presale progresses. MUTM Could Be the Next DeFi Success Story Unlike many speculative tokens, MUTM is built around real, protocol-driven utility. Its architecture combines Peer-to-Contract (P2C) pooled markets for major assets like ETH and USDT with Peer-to-Peer (P2P) isolated lending markets for less common tokens. This dual structure is designed to serve both everyday users and more sophisticated participants, a strategy reminiscent of how major DeFi protocols reshaped decentralized markets. Another key feature is the mtToken system. When users supply assets, they receive 1:1 receipt tokens called mtTokens, which accrue yield over time. These tokens allow users to maintain exposure to their deposits while earning interest — similar to how Aave’s aTokens function, but adapted for Mutuum’s dual-market structure. Complementing this is the buy-and-distribute mechanism. A portion of borrowing fees and protocol revenue is used to buy MUTM from the open market and redistribute it to mtToken stakers, creating a continuous loop of demand tied to real platform activity. This is a major difference from meme coins or hype tokens, whose price movements often rely solely on sentiment. Analysts View The team has also confirmed through an X statement that Version 1 of the protocol will launch on the Sepolia testnet in Q4 2025. This rollout will feature core components such as liquidity pools, mtToken issuance, debt tokens, and liquidation systems — with ETH and USDT supported from day one. Analysts view this as a crucial step to gather feedback, build user familiarity, and demonstrate real functionality before mainnet and exchange listings. Many analysts have shared price projections for MUTM based on these fundamentals. Conservative models place post-launch momentum between $0.25 and $0.35, while more aggressive forecasts suggest $0.50 is possible over the longer term as long as adoption mirrors early Aave or Compound growth. To illustrate this potential, consider a $650 crypto investment at the current presale price of $0.035. If MUTM reaches $0.25 post-launch, that investment could grow to $4,642. At $0.35, the same position would be worth $6,500, showing why early positioning in strong utility projects can offer asymmetric upside compared to already mature tokens. Security, Incentives, and Community Engagement Mutuum Finance has also taken steps to build trust with investors before launch. The project underwent a CertiK audit, achieving a strong 90/100 token score, which signals a solid codebase and responsible development practices. In addition, the team launched a $50,000 bug bounty to encourage independent security researchers to review the smart contracts. This early emphasis on transparency and risk mitigation aligns Mutuum with established DeFi protocols that prioritized security from day one. On the community side, a $100,000 giveaway is running during the presale period. Ten winners will be selected to receive $10,000 worth of MUTM each, boosting awareness and rewarding early supporters. Combined with the daily leaderboard, these programs are designed to create consistent activity and attract a broad mix of retail and whale participants ahead of listing. The presale is currently entering a critical phase. With Phase 6 already two-thirds allocated, whale inflows in the six-figure range have been observed in recent weeks, signaling growing institutional interest. Mutuum Finance’s combination of transparent fundraising, utility, audited security, and strategic rollout gives it a foundation that analysts believe could make it one of the standout DeFi crypto projects of 2025.  For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance Disclaimer: This is a sponsored article and is for informational purposes only. It does not reflect the views of Crypto Daily, nor is it intended to be used as legal, tax, investment, or financial advice.

Author: Coinstats

2025/10/19

Exploring the Potential of Mutuum Finance in the DeFi Sector

Exploring the Potential of Mutuum Finance in the DeFi Sector

The Rise of a New DeFi Contender: Mutuum Finance Decentralized Finance (DeFi) has witnessed various phases of evolution, with each cycle introducing groundbreaking protocols that have reshaped the financial landscape. One such promising project in this cycle is Mutuum Finance (MUTM), currently priced at an accessible $0.035 per token during its presale phase. Following the tradition of early-stage investment success stories like Solana and Aave, Mutuum Finance aims to carve its niche by basing its growth on concrete utility and protocol milestones rather than mere market speculation. What Makes Mutuum Finance Stand Out? Mutuum Finance, a decentralized finance protocol, employs a distinct strategy focused on structured presale stages and real utility within the DeFi ecosystem. The protocol operates on a transparent model where early participants benefit from initial pricing and rewards, setting the stage for a potential surge in value as the project reaches new milestones. Currently in its sixth presale phase, MUTM has attracted substantial attention, raising $17.4 million with more than 17,200 holders. The interest in Mutuum Finance is bolstered by daily engagement incentives such as a $500 MUTM bonus for the highest depositor of the day, driving consistent transaction activity. Protocol and Utility Features MUTM integrates Peer-to-Contract (P2C) and Peer-to-Peer (P2P) lending frameworks, supporting major assets like ETH and USDT, alongside less common tokens. This architectural blend caters to a broad user base from casual users to professional traders, reminiscent of other successful DeFi protocols. The protocol issues mtTokens as a 1:1 receipt for assets supplied, which not only maintain the value but also accrue interest over time, enhancing user returns. A unique aspect of Mutuum Finance is its buy-and-distribute mechanism, wherein a part of the borrowing fees and protocol revenue is used to purchase MUTM from the market and redistribute it to mtToken holders, creating continual demand and enhancing token value. Upcoming Developments and Analyst Perspectives As part of its roadmap, Mutuum Finance is set to launch Version 1 on the Sepolia testnet in Q4 2025, with key functionalities like liquidity pools and liquidation systems. This phase is critical for initial user feedback and operational refinement before progressing to mainnet launches. Analysts are optimistic, projecting that post-launch, MUTM's value could rise significantly. Investments made during the presale could potentially yield substantial returns, drawing parallels with early investments in other prominent DeFi tokens. Security and Community Engagement The protocol's commitment to security is evidenced by a successful audit by CertiK and a $50,000 bug bounty aimed at ensuring robust contract security prior to full-scale implementation. A concurrent $100,000 giveaway helps to stimulate community interest and participation, ensuring a lively and engaged stakeholder base from the outset. Conclusion With its strategic presale ongoing and significant developments on the horizon, Mutuum Finance presents a compelling case for both retail and institutional investors looking for the next big opportunity in DeFi. For more details, visit Mutuum Finance's website and their Linktree. Disclaimer: This is a sponsored article and is for informational purposes only. It does not reflect the views of Bitzo, nor is it intended to be used as legal, tax, investment, or financial advice.

Author: Coinstats

2025/10/19

Top Meme Coins To Buy in 2025 – 5 Explosive Projects Michael Saylor Eyes for 100x Gains

Top Meme Coins To Buy in 2025 – 5 Explosive Projects Michael Saylor Eyes for 100x Gains

Shiba Inu is quickly emerging as one of the top meme coins to buy, drawing the attention of crypto enthusiasts […] The post Top Meme Coins To Buy in 2025 – 5 Explosive Projects Michael Saylor Eyes for 100x Gains appeared first on Coindoo.

Author: Coindoo

2025/10/19

Ripple CLO rejects claim that crypto use is mostly illegal activity

Ripple CLO rejects claim that crypto use is mostly illegal activity

TLDR Ripple CLO says public blockchains offer traceable and auditable records. Alderoty claims tens of millions in the US use crypto for daily purposes. Media reports linking crypto to crime are inaccurate, says Ripple CLO. National Cryptocurrency Association aims to promote safe crypto use. Public conversations around crypto have recently reignited, with several mainstream reports [...] The post Ripple CLO rejects claim that crypto use is mostly illegal activity appeared first on CoinCentral.

Author: Coincentral

2025/10/19

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