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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.

14631 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Layer-3 Networks Are The Missing Link In Blockchain Infrastructure

Layer-3 Networks Are The Missing Link In Blockchain Infrastructure

The post Layer-3 Networks Are The Missing Link In Blockchain Infrastructure  appeared first on Coinpedia Fintech News Few people will argue that blockchain hasn’t been a success. It has emerged as the foundation of an entirely new and decentralized internet known as Web3, while underpinning cryptocurrency assets with a combined market capitalization of more than $3.trillion, transforming the way finance operates.  Yet for all of its success, blockchain could still be so …

Author: CoinPedia

2025/09/26

Even with a 60% fee reduction, it still can't compete with Solana? The compliance and ecosystem game behind Tron's fee dilemma

Even with a 60% fee reduction, it still can't compete with Solana? The compliance and ecosystem game behind Tron's fee dilemma

By Chloe, ChainCatcher On the 26th of last month, Tron implemented its largest-ever fee cuts. Justin Sun stated, "This proposal is a real benefit for users, with a 60% fee reduction. Ordinary networks don't have the courage to do that." He also mentioned that this will have an impact on the short-term profitability of the Tron network, as network fees have been directly reduced by 60%, but long-term profitability will be enhanced because more users and more transactions will occur on Tron. The latest gasfeesnow data shows that even after the fee was halved, Tron's USDT transfer cost is still as high as $2.02-4.22, far exceeding other major blockchain networks. The contrast is clear from the fee comparison: even at the TronCastle-optimized price of $1.09-2.21, it is still 15 times higher than Arbitrum ($0.10), 302 times higher than Solana ($0.0036), and even 3,633 times higher than Polygon ($0.0003) at the time of writing. Aptos has a minimum price of $0.0001 USD. Why were costs so high before the cuts? Tron doesn't use ETH's gas model; instead, it utilizes a unique bandwidth + energy model. Bandwidth provides users with a daily free quota, enabling simple transfers. Energy is used for contract execution, and transferring USDT (TRC-20) requires energy. Assuming that a USDT transfer consumes approximately 130,000 units of energy, if the user has no resources in their wallet, the system can only burn TRX directly, resulting in high transaction fees. In contrast, Ethereum's Layer 2 solutions, such as Arbitrum and Optimism, use a simpler gas model and offer a more user-friendly experience. Solana, through its unique Proof of History (PoH) and parallel execution architecture, achieves a processing capacity of 2,600 transactions per second while maintaining ultra-low fees. After reducing fees, Tron intends to successfully counter the "price reduction" with "incremental" Tron's 60% fee cut represents a significant market adjustment and a proactive move by the project to boost user growth. According to CryptoQuant, Tron's daily fee revenue fell to $5 million on September 7th, its lowest level in a year. Prior to the August 28th reduction, daily revenue was $13.9 million. According to DeFi Llama on-chain data, Tron's average revenue in September did experience a cliff-like drop compared to the previous month, with a decrease of nearly 50%. Despite the decrease in revenue, on-chain activity has actually increased. Daily transaction volume and the number of active wallets have surged, and the number of newly added smart contracts each day also indicates a continued influx of users and dApp developers. According to Token Terminal data, Tron still accounted for 92.9% of the total revenue of L1 public chains over the past seven days. And over the past 90 days, Tron's total fee revenue was still far higher than that of Ethereum, Solana, BNB Chain, and Avalanche during the same period. Tron and Justin Sun originally expected that as long as users and transaction volume continued to grow, revenue would eventually recover and become more sustainable, which was equivalent to using "incremental growth" to counter "declining unit prices." Although Tron currently appears to maintain an advantage in terms of revenue, with the passage of the GENIUS Act in July this year, the competitive landscape of the future on-chain market is undergoing fundamental restructuring. When facing stricter registration, audit and reserve requirements, stablecoin issuers may re-evaluate the cost-effectiveness of deploying assets on Tron, thereby indirectly affecting the network's stablecoin trading volume and ecological activity. This change poses a major hurdle for Tron. Wall Street giants are entering the market, and CBDC is maturing. The passage of the GENIUS Act has received mixed reviews, with both advantages and disadvantages for the crypto market. Supporters believe this milestone brings greater credibility to stablecoins and increases the willingness of financial institutions and consumers to use them. Opponents argue that the bill allows the president and related individuals and institutions to profit, creating a conflict of interest with the crypto market. Wall Street giants like BlackRock and JPMorgan have also begun building their own blockchain empires. BlackRock's BUIDL tokenized money market fund has reached $2.2 billion, deployed on multiple networks including Ethereum, Avalanche, Aptos, and Polygon. JPMorgan's Kinexys platform focuses on institutional-grade DeFi and programmable digital cash, providing on-chain lending and digital asset collateral services to corporate clients. The advantages of these traditional financial institutions are: 1. Regulatory compliance: they have deep cooperative relationships with financial regulatory agencies in various countries; 2. Financial strength: BlackRock manages more than trillions of US dollars in assets; 3. A large corporate client base: they already have a mature institutional client network and trust relationships, as well as the technical integration capabilities to seamlessly integrate blockchain into existing financial infrastructure. Tron's compliance gaps are definitely not comparable to the regulatory relationships with BlackRock and JPMorgan. Furthermore, its adoption rate among Fortune 500 companies is extremely low, not to mention the ongoing SEC lawsuit, which is impacting institutional trust. Last week, two US Democratic lawmakers sent a letter to the SEC, demanding an explanation for its decision to suspend Sun's enforcement case, suggesting the decision may be related to Sun's "substantial investment" in crypto projects linked to President Trump. The lawmakers also questioned Tron's recent listing on the Nasdaq, arguing it could pose financial and national security risks and urging the SEC to ensure the company meets stringent listing standards. Furthermore, 98% of global GDP is already covered by central bank digital currency (CBDC) projects, with 19 G20 countries currently developing or piloting CBDCs. CBDC projects in major economies, such as China's digital renminbi (e-CNY), the EU's digital euro, and India's digital rupee, will directly compete with Tron in cross-border payments and large-value settlements. McKinsey research shows that 2025 will be a turning point in the development of stablecoins. The stablecoin market is expected to grow from the current US$150 billion to US$3 trillion in 2030, but this huge increase will mainly be divided up by compliant institutional stablecoins and CBDCs. The market believes that Tron must complete this transformation within this critical timeframe or face marginalization. The crypto market is clearly transitioning from experimental technology to core infrastructure, and only a few platforms will survive this transition.

Author: PANews

2025/09/26

Why the Traditional Four-Year Crypto Cycle May Be Over

Why the Traditional Four-Year Crypto Cycle May Be Over

The arrival of ETFs, tokenized treasuries, and stablecoin infrastructure has started to shift crypto from a cyclical asset into part […] The post Why the Traditional Four-Year Crypto Cycle May Be Over appeared first on Coindoo.

Author: Coindoo

2025/09/26

CleanSpark Secures $100 Million Bitcoin-Backed Credit Facility with Two Prime

CleanSpark Secures $100 Million Bitcoin-Backed Credit Facility with Two Prime

TLDR CleanSpark secured a second $100 million Bitcoin-backed credit facility this week with Two Prime, bringing total borrowing capacity to $400 million The financing is non-dilutive, meaning no new shares were issued that would reduce existing shareholder value CleanSpark holds nearly 13,000 BTC on its balance sheet, making it the ninth-largest public Bitcoin holder The [...] The post CleanSpark Secures $100 Million Bitcoin-Backed Credit Facility with Two Prime appeared first on CoinCentral.

Author: Coincentral

2025/09/26

Morgan Stanley’s Move Puts $120K Bitcoin (BTC) in Sight As Mutuum Finance Targets 40x Upside

Morgan Stanley’s Move Puts $120K Bitcoin (BTC) in Sight As Mutuum Finance Targets 40x Upside

Bitcoin (BTC) once again finds itself in the spotlight, with recent institutional movement by the likes of Morgan Stanley further supporting assertions that BTC will reach $120,000 in the upcoming bull cycle. Although BTC remains the investors’ vehicle of choice for big-ticket opportunities, smaller-price coins are increasingly becoming popular for their potential upside. Mutuum Finance […]

Author: Cryptopolitan

2025/09/26

CleanSpark Expands Credit Capacity to $400M with Two Bitcoin-Backed Facilities

CleanSpark Expands Credit Capacity to $400M with Two Bitcoin-Backed Facilities

TLDR CleanSpark secured two separate $100 million credit facilities in the same week Both facilities are backed by the company’s Bitcoin holdings without requiring share dilution Total collateralized lending capacity now stands at $400 million Funds will be used for data center expansion, increasing Bitcoin hashrate, and scaling computing infrastructure CleanSpark holds nearly 13,000 BTC [...] The post CleanSpark Expands Credit Capacity to $400M with Two Bitcoin-Backed Facilities appeared first on Blockonomi.

Author: Blockonomi

2025/09/26

World Chain Adopts Chainlink CCIP for Seamless WLD Token Transfers

World Chain Adopts Chainlink CCIP for Seamless WLD Token Transfers

TLDR: World Chain integrates Chainlink CCIP, enabling WLD transfers between Ethereum and World Chain for 35M+ users. The Cross-Chain Token (CCT) standard allows token teams to enable secure transfers within minutes, improving network utility. Chainlink Data Streams provide sub-second price feeds, helping DeFi apps on World Chain function with accurate data. Tools for Humanity says [...] The post World Chain Adopts Chainlink CCIP for Seamless WLD Token Transfers appeared first on Blockonomi.

Author: Blockonomi

2025/09/26

Aave Goes Live on Plasma, Innovating DeFi Lending and Stablecoins Utility

Aave Goes Live on Plasma, Innovating DeFi Lending and Stablecoins Utility

Aave integrates with Plasma to enable scalable DeFi lending for stablecoins, Ethereum assets, and tokenized gold with advanced security and risk management.

Author: Blockchainreporter

2025/09/26

Treehouse DeFi: Unlocking a Revolutionary Era for Decentralized Finance

Treehouse DeFi: Unlocking a Revolutionary Era for Decentralized Finance

BitcoinWorld Treehouse DeFi: Unlocking a Revolutionary Era for Decentralized Finance The world of decentralized finance, or DeFi, is constantly evolving, yet it grapples with inherent limitations that hinder its mainstream adoption and full potential. But what if a project could paradoxically exploit these very inefficiencies to eliminate them, paving the way for a more robust and efficient ecosystem? This is precisely the groundbreaking vision behind Treehouse DeFi, as highlighted in a recent report by global crypto research firm Four Pillars. Unpacking the Paradox: What Makes Treehouse DeFi So Unique? Four Pillars’ insightful report, titled “Treehouse: Looking at the Next Chapter of DeFi,” delves into Treehouse’s innovative strategy. At its core, Treehouse aims to generate profit by identifying and leveraging market inefficiencies, while simultaneously working to eradicate these same discrepancies. This might sound counterintuitive, but it’s a powerful mechanism designed to bring greater stability and fairness to the DeFi landscape. DOR (Decentralized Reference Interest Rate): Imagine a benchmark interest rate that isn’t controlled by a central entity but is instead determined by the market itself, in a transparent and decentralized manner. DOR is designed to be this foundational element, providing a reliable and unbiased reference rate for various financial products within DeFi. This is crucial because a standardized, trustworthy rate is essential for complex financial instruments to thrive. tAsset (Treehouse Asset): This component actively seeks out and capitalizes on market discrepancies. By identifying mispricings or imbalances, tAsset can generate returns. However, its ultimate goal isn’t just profit; it’s to push the market towards greater equilibrium. As tAsset exploits these inefficiencies, it naturally reduces them, making the market more efficient over time. Think of it as a self-correcting mechanism for the DeFi ecosystem. This dual approach suggests a future where profitability and market improvement are not mutually exclusive but rather intertwined, driving positive change within decentralized finance. Navigating Risks in Treehouse DeFi: Ensuring Stability Any innovative financial system, especially in the volatile crypto space, must prioritize robust risk management. The Four Pillars report acknowledges this, detailing Treehouse’s prudent measures to safeguard its operations and user funds. Managing risk effectively is paramount for the long-term viability and adoption of any Treehouse DeFi solution. Limited Leverage for tETH: Currently, Treehouse restricts the leverage process for its tETH asset to a single cycle. This is a critical step in preventing excessive risk-taking and cascading liquidations, which can destabilize the entire system during periods of high volatility. By limiting leverage, Treehouse aims to build a more resilient platform. WstETH Liquidity for Emergency Redemptions: Furthermore, Treehouse strategically holds back a portion of wrapped staked Ethereum (wstETH) liquidity. This reserved liquidity acts as an emergency buffer, ensuring that users can redeem their assets even during unforeseen market shocks or liquidity crunches. This commitment to liquidity provision instills confidence and enhances the platform’s reliability. These proactive risk management strategies demonstrate Treehouse’s commitment to building a sustainable and secure environment, a crucial factor for attracting broader participation in Treehouse DeFi solutions. The Future Impact: How Treehouse DeFi Could Transform Finance The implications of Treehouse’s approach, particularly with DOR, are profound. Four Pillars draws a compelling parallel to the past: just as LIBOR (London Interbank Offered Rate) served as a benchmark that facilitated the creation of a massive $600 trillion fixed-income market four decades ago, DOR possesses the potential to unlock a similar, perhaps even larger, era for decentralized finance. The introduction of a reliable, decentralized reference rate could pave the way for a plethora of new financial products and services. Imagine a future where: New types of fixed-income instruments, previously difficult to implement in DeFi due to a lack of stable reference rates, become commonplace. Lending and borrowing protocols gain greater transparency and efficiency, reducing costs and increasing accessibility for users worldwide. More sophisticated derivatives and hedging tools emerge, offering better risk management options for participants in the crypto market. The potential for Treehouse DeFi to standardize and stabilize key aspects of decentralized finance is immense, promising to bridge the gap between traditional finance and the innovative world of blockchain. Concluding Thoughts: A New Horizon for DeFi The report from Four Pillars paints a vivid picture of Treehouse as a potential game-changer. By embracing a paradoxical strategy of profiting from and simultaneously eliminating market inefficiencies, Treehouse offers a fresh perspective on overcoming the persistent limitations within decentralized finance. Its core components, DOR and tAsset, are not just theoretical constructs but practical solutions designed to foster a more robust, transparent, and efficient financial ecosystem. If successful, Treehouse DeFi could indeed usher in a new era, making DeFi more accessible, reliable, and ultimately, more impactful for global finance. Frequently Asked Questions About Treehouse DeFi Here are some common questions about Treehouse and its innovative approach to decentralized finance: Q1: What is the main problem Treehouse DeFi aims to solve?A1: Treehouse aims to overcome the inherent limitations and inefficiencies within decentralized finance by creating a more robust, transparent, and stable ecosystem. It does this by paradoxically exploiting and then eliminating market discrepancies. Q2: How does DOR contribute to Treehouse’s vision?A2: DOR, the Decentralized Reference Interest Rate, is designed to provide a reliable, market-driven benchmark interest rate. This is crucial for the development of complex financial products in DeFi, much like LIBOR was for traditional finance. Q3: What is the role of tAsset in the Treehouse ecosystem?A3: tAsset actively identifies and capitalizes on market inefficiencies. While generating profit, its primary function is to drive the market towards greater efficiency and equilibrium by correcting these discrepancies. Q4: How does Treehouse manage risk for its users?A4: Treehouse implements robust risk management, including limiting tETH leverage to a single cycle to prevent excessive risk, and holding back wstETH liquidity for emergency redemptions, ensuring user asset safety and platform stability. Q5: What impact could Treehouse DeFi have on the future of decentralized finance?A5: By establishing a decentralized reference rate (DOR) and improving market efficiency (tAsset), Treehouse could unlock a new era for DeFi, fostering the creation of new fixed-income markets, enhancing lending/borrowing protocols, and offering more sophisticated financial tools. Share Your Thoughts! What are your thoughts on Treehouse’s unique approach to solving DeFi’s challenges? Do you believe DOR could be the next LIBOR for decentralized finance? Share this article on your social media channels and join the conversation! To learn more about the latest DeFi innovation trends, explore our article on key developments shaping decentralized finance institutional adoption. This post Treehouse DeFi: Unlocking a Revolutionary Era for Decentralized Finance first appeared on BitcoinWorld.

Author: Coinstats

2025/09/26

Ethereum Leads Stablecoin Growth as Tether Treasury Mints $1B USDT

Ethereum Leads Stablecoin Growth as Tether Treasury Mints $1B USDT

Tether Treasury minted 1 billion USDT on the Ethereum blockchain on September 26, 2025, a move flagged by on-chain tracker Whale Alert at 10:22 AM (UTC+8). The issuance increased USDT’s circulating supply by roughly $1.003 billion, reflecting a fresh injection of liquidity into trading, lending, and DeFi venues. Tether’s USDT Mint: Why Ethereum and Why […]

Author: Coinstats

2025/09/26

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