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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.

16357 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
The SEC Extends Deadlines for Short-Selling Rules

The SEC Extends Deadlines for Short-Selling Rules

The post The SEC Extends Deadlines for Short-Selling Rules appeared on BitcoinEthereumNews.com. Key Points: SEC delays short-selling rule compliance to 2028. Economic impact re-evaluation ordered following a court ruling. Varied reactions from industry participants and experts. The U.S. Securities and Exchange Commission (SEC) has extended the deadline for short-selling and securities lending disclosure rules, moving compliance to 2028 due to a required economic impact reassessment. This delay impacts transparency efforts in financial markets, affects major institutional investors, and reflects ongoing regulatory challenges, potentially influencing asset allocation between stocks and cryptocurrencies. SEC Postpones Short-Selling Rule Compliance to 2028 The postponement affects large investment firms and is a result of the Fifth Circuit Court of Appeals ruling. Economic impact re-evaluation was ordered, prompting the SEC’s delayed enforcement of the regulations. Caroline A. Crenshaw, SEC Commissioner, voiced apprehensions about potential rule dilution amid these extensions. Her concerns were captured in her statement: Potential federal impacts involve new reporting mandates designed to enhance market transparency. Institutional investors, including hedge funds and pension funds, face shifts in compliance protocols. Prompt reactions from stakeholders reveal mixed sentiments on regulatory clarity and systemic stability. We must ensure that the rules consider their economic implications thoroughly before they are enforced. Reactions from industry players vary; some express relief due to extended compliance windows, while others voice frustration over regulatory uncertainty. Steven Lee, an SEC Democratic commissioner, criticized the delays, commenting, “These extensions may erode the rule of law.” Historical Precedents and Market Volatility Amid SEC Delays Did you know? The current delay in SEC short-selling rule enforcement isn’t unprecedented. In 2008, similar postponements arose during financial regulation debates, marking ongoing challenges in balancing investor protection with market dynamics. Recent data from CoinMarketCap shows Ethereum (ETH) at $3,213.94, maintaining a market cap of $387.91 billion and a trading volume shift of 16.77%. Over 60 days, ETH’s price fell by 28.62%, marking…

Author: BitcoinEthereumNews

2025/12/04

Game-Changer: Fanatics and Crypto.com Launch Revolutionary Prediction Market Platform

Game-Changer: Fanatics and Crypto.com Launch Revolutionary Prediction Market Platform

BitcoinWorld Game-Changer: Fanatics and Crypto.com Launch Revolutionary Prediction Market Platform Get ready to place your bets on the future of everything. In a major move blending sports, finance, and digital assets, sports merchandise giant Fanatics has teamed up with crypto exchange leader Crypto.com to launch Fanatics Markets. This new prediction market platform lets users trade on the outcomes of real-world events, marking a significant evolution […] This post Game-Changer: Fanatics and Crypto.com Launch Revolutionary Prediction Market Platform first appeared on BitcoinWorld.

Author: bitcoinworld

2025/12/04

The Aave community passed a proposal to "remove USDS and DAI collateral eligibility and increase the risk reserve ratio".

The Aave community passed a proposal to "remove USDS and DAI collateral eligibility and increase the risk reserve ratio".

PANews reported on December 4th that Aave DAO passed a proposal to set the loan-to-value (LTV) ratio of USDS to DAI to 0% and increase the risk reserve ratio (RF) to 25% in all Aave V3 instances. The proposal states that USDS's profitability has declined and its issuance model carries asymmetric risks, making it unsuitable as collateral. MakerDAO founder Rune responded that there is a misunderstanding regarding the lending logic of the Sky ecosystem, and that USDS is expected to regain its collateral eligibility in the future as transparency and scalability improve.

Author: PANews

2025/12/04

Tight supply, EVs, solar & electronics demand push silver higher than gold. But is it better?

Tight supply, EVs, solar & electronics demand push silver higher than gold. But is it better?

The post Tight supply, EVs, solar & electronics demand push silver higher than gold. But is it better? appeared on BitcoinEthereumNews.com. Silver is outperforming gold in 2025, and it’s all because demand has blown past what miners can dig up, while electronics, electric vehicles, and solar companies are all grabbing for the same shrinking pile of metal. As of early December, silver has doubled in price year-to-date, while gold surged by 60% in comparison. Both metals are having the time of their lives though, as investors are steadily ducking out of fiat and into hard assets. But it’s silver that’s flashing red on the supply side, and it’s not built to handle this kind of squeeze. Inventories are scraping the bottom. Supply isn’t keeping up. The risk now is broader: companies across sectors could face shortages if the current pace holds. The market is already showing signs of stress, and nobody’s stepping in to bail it out. There’s no silver equivalent of central banks lending metal into the system like they do with gold. When liquidity dries up here, it just… dries up. Silver moves electricity better than almost anything on earth, which is why it’s built into circuit boards, switches, batteries, and charging stations. But with margins already thin, high silver costs make it harder to stay profitable. Jewelry demand for silver is still strong, especially in China and India, where silver is passed down as a family asset. The three biggest silver producers are Mexico, Peru, and China, who right now are dealing with everything from regulatory delays to environmental crackdowns. ETF flows, weak mining, and option bets trap Silver investors. Do they have a plan? According to data from LSEG, the global total silver stash is currently under $50 billion. For comparison, gold sits at around $1.2 trillion, with a huge chunk of that in central bank vaults (especially the Bank of England) where it can be lent…

Author: BitcoinEthereumNews

2025/12/04

US Banks Pilot Stablecoins and Bitcoin Trading with Coinbase as BlackRock’s Fink Eyes Utility

US Banks Pilot Stablecoins and Bitcoin Trading with Coinbase as BlackRock’s Fink Eyes Utility

The post US Banks Pilot Stablecoins and Bitcoin Trading with Coinbase as BlackRock’s Fink Eyes Utility appeared on BitcoinEthereumNews.com. Major US banks are conducting early pilots with Coinbase on stablecoins, crypto custody, and digital-asset trading, as disclosed by CEO Brian Armstrong at The New York Times DealBook Summit. This collaboration highlights growing institutional interest in cryptocurrency integration, potentially reshaping traditional banking. Coinbase partners with unnamed major US banks for stablecoin pilots, focusing on practical applications in payments and custody. BlackRock CEO Larry Fink recognizes Bitcoin’s significant use case, despite influences from leveraged trading. BlackRock’s iShares Bitcoin Trust (IBIT) leads with over $72 billion in market cap, per CoinMarketCap data, underscoring ETF growth. Discover how major US banks are piloting stablecoins and crypto custody with Coinbase in 2025. Explore BlackRock’s Bitcoin insights and the evolving bank-crypto tensions for investment opportunities. What are major US banks doing in crypto pilots with Coinbase? Major US banks crypto pilots with Coinbase involve early-stage testing of stablecoins, cryptocurrency custody, and digital-asset trading platforms. According to statements from Coinbase CEO Brian Armstrong at The New York Times DealBook Summit, these initiatives aim to integrate blockchain technology into traditional financial services. This move signals a cautious yet strategic adoption by institutions seeking to leverage crypto’s efficiency without disrupting core operations. At the DealBook Summit, BlackRock CEO Larry Fink acknowledged Bitcoin’s utility, as Coinbase’s Brian Armstrong said the exchange is running pilots with major US banks. Major US banks are running early pilots involving stablecoins, crypto custody and digital-asset trading in partnership with Coinbase, CEO Brian Armstrong said onstage at The New York Times DealBook Summit.According to Bloomberg, Armstrong didn’t name specific institutions but warned that banks slow to adopt crypto “are going to get left behind.” His remarks were made during a joint appearance with BlackRock CEO Larry Fink on a panel at the event. Although Armstrong and Fink haven’t always aligned on crypto, the two…

Author: BitcoinEthereumNews

2025/12/04

PBOC sets USD/CNY reference rate at 7.0733 vs. 7.0754 previous

PBOC sets USD/CNY reference rate at 7.0733 vs. 7.0754 previous

The post PBOC sets USD/CNY reference rate at 7.0733 vs. 7.0754 previous appeared on BitcoinEthereumNews.com. The People’s Bank of China (PBOC) sets the USD/CNY central rate for the trading session ahead on Thursday at 7.0733 compared to the previous day’s fix of 7.0754 and 7.0554 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-70733-vs-70754-previous-202512040115

Author: BitcoinEthereumNews

2025/12/04

Hyperliquid Merger Forms Largest HYPE Treasury, Potentially Driving Price Recovery

Hyperliquid Merger Forms Largest HYPE Treasury, Potentially Driving Price Recovery

The post Hyperliquid Merger Forms Largest HYPE Treasury, Potentially Driving Price Recovery appeared on BitcoinEthereumNews.com. Hyperliquid Strategies has completed its merger with Sonnet BioTherapeutics, creating the largest digital asset treasury focused on HYPE tokens. This move opens up public market access to the Hyperliquid ecosystem, valued at over $583 million in HYPE holdings, enhancing liquidity and investor participation in this emerging crypto chain. Merger creates dominant HYPE treasury: Hyperliquid Strategies now holds 16.89 million HYPE tokens, surpassing competitors and controlling over 6% of circulating supply. Public investors gain direct exposure to Hyperliquid’s DEX and chain through a traded vehicle, as stated by CEO David Schamis. HYPE price surges 17% post-announcement, with positive funding rates indicating bullish futures sentiment; potential recovery to $40 if $35 resistance breaks. Discover how the Hyperliquid Strategies merger boosts HYPE’s treasury dominance and drives price momentum. Explore impacts on crypto investments and key market insights today. What is the Hyperliquid Strategies Merger? Hyperliquid Strategies merger with Sonnet BioTherapeutics, finalized after a July proposal, establishes the entity as Hyperliquid Strategies and forms the largest HYPE crypto treasury to date. This integration allows U.S. public market investors to engage directly with the Hyperliquid ecosystem, including its decentralized exchange and blockchain, through a publicly traded structure. The merger enhances treasury holdings in HYPE, positioning it as a key player beyond traditional assets like Bitcoin and Ethereum. David Schamis, CEO of Hyperliquid Strategies, emphasized the significance, stating, “Today marks a watershed moment: U.S. public market investors can now participate directly in the Hyperliquid ecosystem and do so through a highly liquid, publicly traded vehicle.” This development builds on growing corporate interest in digital asset treasuries, where HYPE joins Binance’s BNB as a standout outside the BTC, ETH, and SOL trio. How Does the HYPE Crypto Treasury Impact Market Dynamics? The merger solidifies Hyperliquid Strategies’ position with 16.89 million HYPE tokens, valued at approximately $583 million…

Author: BitcoinEthereumNews

2025/12/04

New Altcoin Models Signal a 12x Upside Potential as This Token Nears 98% Sellout

New Altcoin Models Signal a 12x Upside Potential as This Token Nears 98% Sellout

The post New Altcoin Models Signal a 12x Upside Potential as This Token Nears 98% Sellout appeared on BitcoinEthereumNews.com. A new altcoin is making a serious case after growing quickly as the updated models are now indicating a 12x potential upside. The allocation is at almost 98%, analysts who monitor the best crypto opportunities think that the opportunity may be among the last ones to buy it before the next significant price move. Things are gaining considerable steam, and most anticipate Phase 6 to shut down shortly. Mutuum Finance (MUTM): mtTokens and Liquidity Mutuum Finance (MUTM) is building a decentralized lending protocol that can facilitate actual on-chain operation. The system is run on two lending environments that are linked. Users are given mtTokens when they provide such assets as ETH or USDC. These mtTokens increase in value as the interest is repaid on loans. When an individual provides a typical value of ETH in pricey periods of borrowing, the value of the mtTokens rises, and this results in getting natural APY due to protocol action. Borrowers can obtain flexible rates that change with liquidity. In the case of high liquidity, the cost of borrowing remains low. Liquidity becomes tight resulting in increased rates. The system involves loan-to-value limits to secure the users. Liquidations take place in case the collateral is so low and the loan is not secure anymore. To keep the lending markets stable, liquidators purchase discounted collateral and pay off some of the debt. According to analysts, such a lending design is the reason that separates Mutuum Finance amongst hype-based tokens and makes it one of the most promising new crypto projects to enter the field of DeFi. Growth and Important Numbers Mutuum Finance (MUTM) started at $0.01 in early 2025. It is currently priced at $0.035 which is a 250% increase in presale. The presale phases are pegged before the official launch price of $0.06, which…

Author: BitcoinEthereumNews

2025/12/04

Does Hyperliquid's popularity mean Arbitrum is "winning by default"?

Does Hyperliquid's popularity mean Arbitrum is "winning by default"?

Recently, the Hyperliquid HIP3 protocol has become incredibly popular, with stocks, gold, and even Pokémon cards and CS skins now available for trading. This has made Hyperliquid incredibly successful, but many people have overlooked the fact that Arbitrum's liquidity has also seen a significant surge in the past. Is it true that the more popular Hyperliquid becomes, the more Arbitrum can "quietly make a fortune"? Why is that? 1) A fundamental fact is that most of the USDC held by Hyperliquid is bridged from Arbitrum. Whenever Hyperliquid launches a TSLA stock contract or a gold perp, a massive amount of USDC flows in from Arbitrum. This connection is not incidental, but a structural dependency. These bridging activities directly contributed to Arbitrum's daily transaction volume and ecosystem activity, propelling Arbitrum to maintain its leading position in layer 2. 2) Of course, some might say that Arbitrum is merely a stepping stone for Hyperliquid's funding, a one-way street where funds simply pass through. Then why doesn't Hyperliquid choose Solana or Base, but instead deeply integrates with Arbitrum? The reasons are as follows: 1. Lowest technical adaptation cost: Hyperliquid requires a liquidity entry point with good EVM compatibility to securely accept stablecoins, while Arbitrum's Nitro architecture can keep bridging latency within 1 minute and the gas fee is less than $0.01, so users can hardly feel the friction cost. 2. Unparalleled Liquidity Depth: Arbitrum's native USDC circulating supply reaches $8.06 billion, the highest among all Layer 2 platforms. Furthermore, Arbitrum has mature protocols like GMX and Gains that have formed a complete closed loop encompassing lending, trading, derivatives, and yield aggregation. Essentially, Hyperliquid's choice of Arbitrum is not merely about a bridging channel, but about accessing a mature liquidity network. 3. The synergistic effect of the ecosystem is irreplaceable: Some of the new stock PERP, gold PERP, and even government bond tokens launched in HIP3 already existed on Arbitrum as RWA assets, and were used for lending and farming through DeFi protocols such as Morpho, Pendle, and Euler. This allows users to stake RWA assets as collateral on Arbitrum to borrow USDC, and then bridge to Hyperliquid to trade stock PERP with 5x or even 10x leverage. This isn't just a one-way transfer of funds; it's a cross-ecosystem liquidity aggregation. 3) In my view, the relationship between Hyperliquid and Arbitrum is not a simple liquidity "parasitic relationship," but rather a strategic complementarity. Hyperliquid, as the application chain of Perp Dex, continues to stimulate transaction activity, while Arbitrum provides a continuous influx of liquidity. For Arbitrum, it also needs phenomenal applications like Hyperliquid to overcome the lack of product dynamism in the Ethereum ecosystem. This reminds me of when Arbitrum was promoting the Orbit layer3 framework, its main selling point was the "general layer2 + specialized application chain" approach. Orbit allowed any team to quickly deploy their own Layer3 application chain, enjoying Arbitrum's security and liquidity while customizing performance parameters according to business needs. While Hyperliquid chose a path of building its own layer 1 and deeply binding with Arbitrum, which seems different from directly deploying layer 3, a closer analysis of the relationship between the HIP-3 ecosystem and Arbitrum reveals an interesting conclusion: the HIP-3 ecosystem has, to some extent, become the de facto layer 3 application chain of Arbitrum. Ultimately, the core logic of Layer 3 is to maintain its own performance advantages while outsourcing security and liquidity to Layer 2. Clearly, Hyperliquid cannot currently offer the liquidity advantages of the HIP3 ecosystem, but Arbitrum can. Isn't this just a variant of the layer 3 operating mode?

Author: PANews

2025/12/04

Understanding APR and APY: The Real Language of Interest

Understanding APR and APY: The Real Language of Interest

As per experts, APR shows the simple annual interest rate without compounding, while APY includes compounding and reflects the true yearly return.

Author: Blockchainreporter

2025/12/04

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