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.

16030 Articles

Created: 2026/02/02 18:52

Updated: 2026/02/02 18:52

MSCI, JPMorgan, Strategy, and Why Bitcoin Hyper Is Suddenly On Everyone’s Radar

What to Know: MSCI’s consultation to exclude $BTC-heavy ‘digital asset treasury’ companies from major indexes has turned Strategy into a test case for forced selling risk. JPMorgan’s bearish note on Strategy landed in a weak, thin market, amplifying fear, rumors of shorts, and even a grassroots JPMorgan boycott narrative. Bitcoin Hyper’s $HYPER token offers a crypto-native way to play Bitcoin scaling, combining a $BTC Layer-2 design with audited contracts, staking, and presale access. When the market tanked on October 10, there was no obvious macro bomb, no ETF denial, no regulatory headline. Just a brutal, mechanical flush that felt … engineered. The missing piece turned out to be MSCI. On 10 October, the index giant quietly launched a consultation that could exclude companies whose balance sheet holds 50% or more in Bitcoin or other digital assets from its global equity indexes. That hits Strategy ($MSTR) right where it lives, because the stock is essentially a leveraged proxy on corporate Bitcoin accumulation. If MSCI goes ahead, index funds that track those benchmarks are forced sellers. In a market already thinned out by quantitative tightening and drained dollar liquidity, the mere prospect of billions in automatic selling was enough to flip $BTC and $MSTR from ‘buy the dip’ to ‘get me out’. Then JPMorgan walked in with a bearish note. Exactly while $BTC was sliding, liquidity was thin, and $MSTR was already down badly, the bank resurfaced the index-exclusion risk and put numbers on it: roughly $2.8B of potential forced selling from MSCI indexes alone. Analysts flagged that the note leaned on an MSCI document that had been sitting for weeks, and only became ‘urgent’ right as markets were on the ropes, fuelling accusations that sentiment was being steered rather than merely described Around that, a familiar set of narratives exploded: rumors that large institutions might short $MSTR, concerns about brokers lending out client shares to fuel those shorts, and an online boycott campaign where thousands of users claim to be closing JPMorgan accounts in protest. Michael Saylor pushed back, stressing that Strategy is not a passive Bitcoin fund but a software and financial engineering company with revenue, products, and $BTC-backed instruments, arguing that MSCI is misclassifying a live business as a treasury wrapper. 💣 Even so, the consultation runs until year-end, and the decision scheduled for January 15 2026 still hangs over every $BTC-heavy equity. So this isn’t just a one-off crash story anymore. It’s about how index rules, bank research notes, and rumor cycles can yank liquidity away from anything that looks like a Bitcoin proxy. Which is exactly why a bunch of capital is rotating into pure-play Bitcoin infrastructure and presale tokens like Bitcoin Hyper ($HYPER). Bitcoin Hyper ($HYPER) As A Clean $BTC Narrative Play Bitcoin Hyper ($HYPER) is building a dedicated Bitcoin Layer-2 that lets $BTC itself move faster, cheaper, and in more programmable ways. The $HYPER token will power the Layer-2 for gas, governance, and staking. Mechanically, the design is pretty straightforward for anyone used to Layer-2s. $BTC is locked on the Bitcoin Layer-1 via a canonical bridge. A relay program will verify Bitcoin block headers and proofs, then mint a representation on the Layer-2. Transactions will execute on a Solana Virtual Machine environment with high throughput and low latency, while batches and zero-knowledge proofs will be periodically committed back to Bitcoin. That’ll keep settlement anchored to $BTC’s security while letting you actually do things like payments, DeFi, NFTs, and meme coins. From a positioning angle, that’s important. If MSCI and other index providers are about to penalize companies that warehouse $BTC on their balance sheets, the market’s next question is: where does all the ‘Bitcoin leverage’ go instead? ⚡️ One obvious answer is native $BTC Layer-2s, where returns are tied to actual network usage rather than index inclusion politics. Bitcoin Hyper is very explicitly trying to be that ‘speed layer’ for $BTC. In short, while banks debate whether Strategy qualifies for index membership, Bitcoin Hyper is trying to earn its place as infrastructure. For anyone who wants $BTC exposure without giving MSCI and JPMorgan veto power over flows, that pitch lands pretty well. ➡️ Looking for more information on the project that could change Bitcoin forever? Check out our Bitcoin Hyper review. Inside The Bitcoin Hyper Presale And Staking Mechanics There’s also upside math at play here. Our Bitcoin Hyper price prediction believes that if the project team ships its initial roadmap – mainnet, bridge, early dApps, and listings – $HYPER has the potential trade as high as $0.08625 by late-2026, assuming execution and broader $BTC strength. Against a current presale price of $0.013325, that’s an ROI of over 547% if everything lines up. That is not a guarantee; it’s a roadmap-plus-sentiment scenario. But it explains why some traders are rotating a slice of their ‘$MSTR proxy’ play into a direct Layer-2 bet instead. 🐳 Under the hood, the presale numbers are already big enough that this isn’t just a niche side quest anymore. $HYPER has raised over $28.45M. We’ve also seen some impressive whale buys as high as $502.6K, showing smart-money confidence. On top of that, staking has become its own flywheel. Currently, staking APY is 41%, with close to 1.3B $HYPER already locked. In practice, that means a big chunk of supply is out of circulation before the token even lists, which can dampen initial sell pressure if demand holds up. The flip side is obvious: high APYs don’t last forever, and when cliffs, unlocks, or yield rotations kick in, late entrants can get clipped hard. Timeline-wise, the project is targeting mainnet launch around Q4 2025/Q1 2026, with exchange listings and a DAO rollout following in 2026 to handle governance and developer grants. That lines up almost perfectly with the MSCI decision window. 🚀 Get in on the $HYPER action before the next price increase. Disclaimer: Remember, this isn’t intended as financial advice, and you should always do your own research before investing. Authored by Aaron Walker, NewsBTC – www.newsbtc.com/news/msci-jpmorgan-mstr-shakeup-boosts-bitcoin-hyper-presale

Author: NewsBTC

2025/11/25

Best Altcoins to Buy as Bitcoin Dominance Drops – The Rotation Has Begun

Bitcoin dominance is finally giving way and smart money is starting to notice. As BTC’s grip on the broader crypto market weakens, more capital is flowing into altcoins, fueling what analysts are calling a potential altseason. This shift isn’t just technical: the mood is turning, and the next big altcoin in 2025 could emerge faster […]

Author: Cryptopolitan

2025/11/25

BTC News: Bitcoin Flashes Rare Bottom Signal As Investors Buy Dip

Bitcoin nears a potential bottom as its Sharpe ratio hits past-recovery levels and on-chain transfers signal intense market stress. Bitcoin’s Sharpe ratio has fallen near zero, and many traders are watching this trend closely. For context, the ratio tracks return versus risk, and a drop to these levels often shows that a market sits […] The post BTC News: Bitcoin Flashes Rare Bottom Signal As Investors Buy Dip appeared first on Live Bitcoin News.

Author: LiveBitcoinNews

2025/11/25

New crypto coin price analysis: Analysts see 750% upside as phase 6 approaches 99% allocation

The post New crypto coin price analysis: Analysts see 750% upside as phase 6 approaches 99% allocation appeared on BitcoinEthereumNews.com. Phase 6 of the Mutuum Finance (MUTM) presale is on the edge of running out, with allocation nearing 99% and thousands of investors trying to enter before the next price jump. This new cryptocurrency has already become a major talking point across crypto news today, helped by analysts who now project that MUTM could deliver up to 750% upside once the token launches and its protocol goes live. Early investor sentiment indicates this presale is entering its most intense stage yet. Many market commentators suggest that the rapid sellout speed, rising holder count, and strong on-chain demand signal a potential breakout altcoin that could become one of the best cryptocurrencies to invest in before 2026. With the price still at $0.035, buyers see this as one of the few remaining moments to enter a new cryptocurrency before it moves to the next tier. Mutuum Finance presale demand Mutuum Finance (MUTM) launched its presale in early 2025 at $0.01. Since then, it has grown 250%, reaching $0.035 in the current Phase 6 stage. The rise is not random. The project has built a strong presence by outlining a clear mission: to create a decentralized lending and borrowing system that uses smart contracts to offer yield opportunities, collateralized loans, and more efficient on-chain liquidity. Mutuum Finance uses a dual-model approach combining a Peer-to-Contract liquidity pool and a Peer-to-Peer marketplace for more personalized borrowing needs. This hybrid design is why many analysts now place MUTM on lists such as best crypto to buy now, top cryptocurrencies, and best cryptocurrency to invest in today. Its model allows users to lend assets, borrow against holdings, and earn yield through automated smart contract systems. Presale growth shows how strong demand has become, with the project now sitting at about $18.95M raised, more than 18,200 holders, and…

Author: BitcoinEthereumNews

2025/11/25

ETH News: Long-Term Whale Who Sold Before The October Crash Is Buying Ethereum

Whale trader boosts his Ethereum long to $44.5M, sparking market buzz as analysts debate his identity and watch for signs of an ETH rebound. A well-known Hyperliquid trader has opened another major long position on Ether. The whale first became popular after a strong trading performance during the October market crash. This whale now […] The post ETH News: Long-Term Whale Who Sold Before The October Crash Is Buying Ethereum appeared first on Live Bitcoin News.

Author: LiveBitcoinNews

2025/11/25

Cryptocurrency price plummets by 90%, yet lead VC investors stage a break-even scenario? Berachain issues urgent clarification.

Author: Nancy, PANews On November 25th, overseas media outlet Unchained published a lengthy investigative report revealing that the popular public blockchain Berachain had signed a privacy agreement with venture capital firm Nova Digital, secretly granting it a risk-free exit privilege. With the token price and ecosystem still weak, this news immediately caused an uproar within the Berachain community. However, Berachain officials denied the allegations, stating that Nova remains one of the largest holders of BERA tokens. Berachain denies discriminatory treatment after reports surfaced that lead investor Nova enjoys exclusive refund rights. In this crypto cycle, the golden age of crypto venture capital is gradually fading. Returns are shrinking, their voice is diminishing, and their industry influence is far less than before. There's even been a wave of resistance to VC tokens, leaving investment institutions in the awkward position of struggling to make money and raise funds. Surprisingly, crypto VCs are also staging a drama of guaranteed returns on investments. According to Unchained, Berachain, originally an NFT project, has raised at least $140 million in funding within just a few years, growing into one of the most popular public blockchains. In its last funding round, Berachain secured a $1.5 billion valuation from Framework Ventures and Brevan Howard's Nova Digital. An anonymous former employee revealed that Brevan promised to "endorse" the project, but demanded favorable terms in the Series B funding round. Documents obtained by Unchained show that Nova purchased $25 million worth of BERA tokens at $3 each during its Series B funding round, and obtained a highly controversial "refund right": the option to demand a full refund of its investment within one year of Berachain's Time-Government Execution (TGE) on February 6, 2025 (i.e., until February 6, 2026). Exercising this right requires Nova to deposit $5 million within 30 days of the TGE. Currently, BERA is trading at approximately $1.04, meaning that if Nova fulfills its margin requirements and exercises its refund right, it will recover its entire principal even at a significant loss, with Berachain bearing the losses. This "no-loss" investment clause has therefore sparked considerable controversy. It is understood that Nova Digital was acquired by the large hedge fund Brevan Howard from Dragonfly Capital in 2023, and raised $9 million for it through its digital asset division, BH Digital, for liquidity token strategies. Nova Digital also became a branch of Brevan Howard's digital asset division, BH Digital, with Kevin Hu from Dragonfly serving as CIO and reporting directly to BH Digital CEO Gautam Sharma. In August 2025, Brevan announced the spin-off of Nova Digital, led by Kevin Hu. Sources familiar with the matter stated that internal losses and differing investment strategies were the main reasons. Kevin Hu was also alleged to have participated in the seed round investment of Berachain. Notably, Kevin's direct supervisor, BH Digital CEO Sharma, also resigned around the same time. Brevan planned to fill Sharma's vacancy but not Kevin's. Neither Brevan nor Nova has responded to this. More importantly, the report points out that other Series B investors have not received refunds. Two anonymous investors stated that they were never informed of such special terms. This is considered a potential violation of the SEC Reg D's "material disclosure" obligations and could trigger MFN (Most Favored Nation) clauses in some investors' contracts. Based on the current price of BERA, many Series B investors are experiencing significant paper losses. Framework Ventures, one of the lead investors, has suffered a paper loss exceeding $50 million. It held 21,145,476 BERA tokens at a cost of approximately $72.4 million, with an average purchase price of $3.42. In response to the reports, Berachain co-founder Smokey the Bera issued an urgent public statement, claiming that the narrative was "incomplete and inaccurate." He clarified the details of the relevant investment agreement, stating that Brevan Howard, through his Abu Dhabi-based Nova Fund, co-led Berachain's Series B funding round a year ago, with investment terms consistent with other investors. Nova's compliance team requested additional terms to mitigate the risks of a failed TGE and failure to go public, leading to the signing of an additional business agreement that included a commitment to provide liquidity after network launch. These terms were not intended to facilitate a transaction or to mitigate potential token price declines after a TGE, a practice with precedent (lead investors typically have special terms such as priority, buyback rights, and exit protection clauses). Instead, Nova remains one of Berachain's largest token holders and a liquidity provider, holding locked BERA tokens from the Series B funding round as well as liquid BERA tokens purchased on the open market, consistently supporting Berachain and continuously increasing its holdings during market volatility. Faced with multiple ecosystem challenges, the DAT strategy failed to reverse the decline in coin price. Despite its impressive funding backing, Berachain's current ecosystem performance is not ideal. According to DeFiLlama data, as of November 25, 2025, Berachain's TVL (TVL) had dropped to approximately $270 million, only 8.1% of its historical peak of $3.3 billion in May of this year, a decline of over 90%. In terms of TVL contribution, the liquidity staking protocol Infrared Finance holds an absolute dominant position in the ecosystem, with a TVL of approximately $230 million, accounting for 86.5% of the total. The TVL of most other protocols is in the tens of millions of dollars or even lower. This indicates that the Berachain ecosystem is singular and lacks diversified product support. Meanwhile, Berachain's user activity has declined significantly since its launch, and it lacks sustained transaction momentum. Dune data shows that as of November 23, Berachain had approximately 3.24 million unique wallet addresses, with daily active wallet addresses remaining at tens of thousands, after a significant drop, it has recently rebounded. Looking at the transaction distribution, addresses with fewer than 5 transactions account for a staggering 83.7%, while addresses with more than 100 transactions account for only 1.6%, indicating that most users are low-frequency participants. Meanwhile, its cumulative transaction volume has approached 289 million, with a peak of approximately 2 million transactions per day in the early days of its launch in February. However, transaction volume subsequently fluctuated and declined, especially dropping to around 200,000 transactions per day in September, but has recently shown signs of recovery. From a revenue perspective, DeFiLlama data shows that since September of this year, Berachain's cumulative revenue is only about $37,000, with only $987 in the past 24 hours, indicating limited value capture capabilities. Meanwhile, Artemis data shows that Berachain is among the top ten chains with the largest outflows of funds in the past six months, with a total outflow of approximately $1.8 billion. Meanwhile, the price of the BERA token continues to decline. CoinGecko data shows that the price of BERA has fallen 93% from its all-time high, and further dropped 44.7% in the past 30 days. It's worth noting that Smokey stated in an interview that if he could do it all over again and the team could start from scratch, he probably wouldn't have sold so many tokens to venture capital firms. In fact, most of the supply was sold during the seed round in early 2022. At the time, the team thought it might be an interesting venture, but they didn't expect it to grow to such a large scale. Therefore, he personally believes that the market criticism is justified. Indeed, over time, Berachain has been working to buy back those seed round and subsequent Series A and other round tokens to reduce community dilution pressure. To boost market confidence, Berachain has recently taken several steps. For example, it has partnered with Infrared and TermMax to introduce fixed-rate lending; and integrated StableFlow to upgrade its ecosystem's payment capabilities. In October, US-listed Greenlane Holdings announced a $110 million PIPE (Private Equity Investment) funding round to launch its BERA Treasury Strategy, including approximately $50 million in cash and $60 million worth of BERA tokens. Investors included Polychain, Blockchain.com, Kraken, North Rock Digital, and CitizenX. Despite the substantial funding, the stock price did not see a significant increase, which is likely related to the overall cooling of the DAT (Digital Acquisition, Technology, and Application) sector.

Author: PANews

2025/11/25

Crypto VC investment jumps to $4.65 billion in Q3 as investor confidence steadies

Crypto-focused VC investment surged to $4.65 billion in the third quarter of 2025, marking the second-highest quarterly total…

Author: Technext

2025/11/25

Metaplanet expands its Bitcoin strategy: new $130 million loan secured in BTC

MetaPlanet strengthens its Bitcoin-first strategy with a new $130 million loan, secured by its BTC reserves.

Author: The Cryptonomist

2025/11/25

UAE’s new financial law pulls DeFi and Web3 into regulatory scope

                                                                               Federal Decree Law No. 6 expands the UAE central bank’s authority over DeFi, ending the “just code” defense and imposing penalties up to $272 million.                     A new financial law in the United Arab Emirates is set to bring decentralized finance (DeFi) and broader Web3 into regulatory parameters, signaling an important shift for the industry.The UAE’s new central bank law, Federal Decree Law No. 6 of 2025, introduces “one of the most consequential regulatory shifts” for the crypto industry in the region, Irina Heaver, a local crypto lawyer and founder of NeosLegal, told Cointelegraph.“It brings protocols, DeFi platforms, middleware, and even infrastructure providers into scope if they enable activities such as payments, exchange, lending, custody, or investment services,” Heaver said.Read more

Author: Coinstats

2025/11/25