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.

14177 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Bitcoin No Longer Plays Gold’s Game

Bitcoin No Longer Plays Gold’s Game

The post Bitcoin No Longer Plays Gold’s Game appeared on BitcoinEthereumNews.com. Opinion by: Armando Aguilar, head of capital formation and growth at TeraHash Bitcoin was treated as a purely inert asset for years: a decentralized vault, economically passive despite its fixed issuance schedule. Yet more than $7 billion worth of Bitcoin (BTC) already earns native, onchain yield via major protocols — that premise is breaking down.  Gold’s ~$23-trillion market cap mostly sits idle. Bitcoin, by contrast, now earns onchain, while holders keep custody. As new layers unlock returns, Bitcoin crosses a structural threshold: from merely passive to productively scarce. That change is quietly redefining how capital prices risk, how institutions allocate reserves and how portfolio theory accounts for safety. Scarcity may explain price stability. Still, productivity explains why miners, treasuries and funds are now parking assets in BTC rather than just building around it. A vault asset that earns yield isn’t digital gold anymore — it’s productive capital. Scarcity matters, but productivity rules Bitcoin’s economic DNA hasn’t changed: The supply remains capped at 21 million, the issuance schedule is transparent, and no central authority can inflate or censor it. Scarcity, auditability and resistance to manipulation always set Bitcoin apart, but in 2025, these differentiating and unique factors started to mean something more. As the issuance rate is locked, even as new protocol layers allow BTC to generate onchain returns, Bitcoin is now gaining traction for what it will enable. A new set of tools gives holders the ability to earn real yield without giving up custody, relying on centralized platforms and altering the base protocol. It leaves Bitcoin’s core mechanics untouched but changes how capital engages with the asset. We’re already seeing that effect in practice. Bitcoin is the only crypto asset officially held in sovereign reserves: El Salvador continues to allocate BTC in its national treasury, and a 2025 US…

Author: BitcoinEthereumNews
4 Best Cryptos To Watch In 2025 Ready To Rock The Boat

4 Best Cryptos To Watch In 2025 Ready To Rock The Boat

The post 4 Best Cryptos To Watch In 2025 Ready To Rock The Boat appeared on BitcoinEthereumNews.com. What if selecting the right meme coin today could define tomorrow’s financial opportunities? The crypto market is full of projects that ignite curiosity and spark investment discussions, yet only a few truly offer the chance to transform modest entries into remarkable outcomes. Choosing wisely among meme coins is no longer a matter of speculation but a matter of timing, utility, and community growth. One project currently generating extraordinary attention is MoonBull ($MOBU), with its whitelist now live. This Ethereum-based meme coin stands alongside other exciting names like Pudgy Penguins (PENGU), Just a Chill Guy (CHILLGUY), SPX6900 (SPX), Official Trump (TRUMP), Official Melania (MELANIA), and LOFI (LOFI). Each offers unique traits, but MoonBull leads with an opportunity structured for early adopters who seek strong entry points and exclusive access. MoonBull ($MOBU) The whitelist for MoonBull is live and sets the stage for early participants to gain unmatched benefits. Entry through this whitelist ensures the lowest possible purchase price, exclusive bonus allocations, secret staking rewards, and even access to hidden roadmap hints that remain unavailable to the wider public. MoonBull is an Ethereum meme coin built for meme enthusiasts and speculative traders who thrive on innovation. Its smart contract foundation ensures reliability and security, while its staking structure rewards loyalty with high-value incentives. The combination of exclusivity, transparency, and reward mechanics positions MoonBull as one of the best cryptos to watch in 2025. Presales often define the biggest success stories in crypto. MoonBull understands this dynamic and ensures that whitelist members have every reason to stay ahead. This exclusivity makes MoonBull stand apart as a frontrunner among the best cryptos to watch in 2025. MoonBull Whitelist Excitement: Early Access and Exclusive Rewards Joining the Moon Bull whitelist unlocks priority entry, premium staking incentives, and confidential updates ahead of Stage One. The limited…

Author: BitcoinEthereumNews
Ripple Price Prediction: XRP Uncertainty Drives Top Holders Towards a New ETH Layer 2 Token

Ripple Price Prediction: XRP Uncertainty Drives Top Holders Towards a New ETH Layer 2 Token

The post Ripple Price Prediction: XRP Uncertainty Drives Top Holders Towards a New ETH Layer 2 Token appeared on BitcoinEthereumNews.com. The Ripple price prediction continues to divide analysts, with some projecting steady gains while others warn of stalled momentum. XRP remains a respected name in the crypto market, but many top holders are diversifying into new opportunities that promise greater upside.  One of those is Layer Brett, an Ethereum Layer 2 project blending meme culture with real scalability. Its ongoing crypto presale has already raised millions, and excitement is building that $LBRETT could be the next 100x meme token. Why Layer 2 gives Layer Brett an edge Anyone who has transacted on Ethereum’s mainnet knows the frustrations: network congestion, slow confirmation times, and gas fees that can soar to $20. Layer Brett solves these pain points by processing transactions off-chain, while still anchored to Ethereum for unmatched security.  For investors who are tired of waiting for the next big Ripple price prediction, this represents a refreshing alternative. While XRP continues to navigate regulatory hurdles and a crowded payments market, Layer Brett is carving its own niche in the expanding Layer 2 crypto sector, projected to handle over $10 trillion annually by 2027. Why $LBRETT is attracting early buyers Presale buyers aren’t just speculating on token price, they’re locking into huge staking rewards. Early adopters of $LBRETT can stake their holdings immediately, with APYs that reach into the tens of thousands for the earliest participants. It’s a deliberate strategy to reward those who back the project at the ground floor. The setup is simple: connect MetaMask or Trust Wallet, fund with ETH, USDT, or BNB, and purchase $LBRETT. From there, tokens can be staked instantly, generating passive income in a way that traditional meme token projects, or even XRP itself, simply don’t offer. Add in transparent tokenomics with a fixed 10 billion supply and a $1 million giveaway program, and it’s…

Author: BitcoinEthereumNews
Cardano (ADA) Poised for $1 as XRP Partnership is Set to Trigger Price Boom, But This New Altcoin Could Explode 3500%

Cardano (ADA) Poised for $1 as XRP Partnership is Set to Trigger Price Boom, But This New Altcoin Could Explode 3500%

The post Cardano (ADA) Poised for $1 as XRP Partnership is Set to Trigger Price Boom, But This New Altcoin Could Explode 3500% appeared on BitcoinEthereumNews.com. As Cardano (ADA) edges closer to the $1 threshold and an anticipated XRP collaboration hints at a potential market shake-up, a surprising contender is capturing investor attention: Mutuum Finance. Mutuum Finance (MUTM) has surpassed $15.25 million and has over 15850 investors presently in its ongoing presale. Positioned as an emerging force in decentralized finance (DeFi), Mutuum Finance is generating buzz with projections of a staggering 3,500% growth potential. While Cardano and XRP continue to make headlines with their steady momentum and strategic partnerships, analysts suggest Mutuum Finance’s innovative tokenomics and liquidity mechanisms could redefine the next wave of crypto market expansion. Cardano (ADA) Update, Steady Momentum Toward $1 Cardano (ADA) is currently trading at $0.86, showing stability with modest daily change. Analysts note that with steady accumulation, supported by whale activity and a recent strategic partnership with XRP to enhance interoperability, ADA may test the $1.00 level by the end of 2025, especially if interest in institutional DeFi remains strong. Meanwhile, emerging protocols like Mutuum Finance are beginning to capture investor attention.  Mutuum Finance Stage 6 Presale Mutuum Finance is at stage 6 of presale, and the token is now priced at $0.035. The next stage will see the price of the token increase by 14.29% to $0.04. Over 15,850 investors have registered for the presale, and the project has so far raised over $15.25 million. Such traction is a reflection of enhanced trust in the project and value proposition within the decentralized finance industry. Developing a Stable and Secure DeFi Platform Mutuum Finance is developing a stablecoin to be pegged on the Ethereum blockchain to the US dollar. The stablecoin is an unfalsifiable, non-algorithmic investment token that avoids volatility tied to algorithmic stablecoins that balloon and de-peg in market hysteria. The Dual-Lending Advantage One of the advantages of Mutuum…

Author: BitcoinEthereumNews
BlockDAG’s $387M Presale Outpaces Solana $305 Goal & AAVE $400

BlockDAG’s $387M Presale Outpaces Solana $305 Goal & AAVE $400

The post BlockDAG’s $387M Presale Outpaces Solana $305 Goal & AAVE $400 appeared on BitcoinEthereumNews.com. Crypto markets are setting new milestones, with Solana and Aave pushing higher on strong inflows and institutional backing. Solana (SOL) price action broke through $200 and now eyes $305, while the Aave (AAVE) price rally has reclaimed $300, with analysts watching $400 as the next critical level. Both tokens are riding on whale demand, Ethereum strength, and broader macroeconomic shifts, placing them firmly among the crypto coins to watch this quarter. At the same time, BlockDAG’s presale is proving to be one of 2025’s defining stories. Having raised $387 million with a Batch 30 price of $0.03 and a launch target of $0.05, it offers clarity, security, and delivery before market entry, setting it apart from tokens still reliant on external momentum. Solana (SOL) Price Action Builds Toward $305 Solana has reestablished momentum with a 13% surge that lifted it above $200, supported by whale inflows that continue to underpin its rally. Large buyers have been steadily accumulating, lending stronger durability than retail-driven spikes. Analysts argue this sustained activity makes a fresh challenge at $305 increasingly possible. Network adoption is adding weight to the move. Solana-based project buybacks jumped 158% in just two weeks, from $14.5 million to $46.8 million, now making up 40% of all crypto project buybacks, compared to only 11% in June. Institutional signals are also boosting confidence, with VanEck filing for a U.S. Solana ETF and the EU exploring Solana for digital euro infrastructure. A confirmed break above $305 remains the ultimate test for the next stage of Solana’s advance. Aave (AAVE) Price Rally Eyes $400 Aave has reclaimed the $300 level, boosted by Ethereum’s strong performance and optimism around potential Federal Reserve rate cuts. The Aave (AAVE) price rally now points to $400, matching the December 2024 level where its last correction began. Analysts suggest…

Author: BitcoinEthereumNews
Why Whale Investors Are Choosing Mutuum Finance (MUTM) Over Ripple (XRP) Ahead of September 2025

Why Whale Investors Are Choosing Mutuum Finance (MUTM) Over Ripple (XRP) Ahead of September 2025

The post Why Whale Investors Are Choosing Mutuum Finance (MUTM) Over Ripple (XRP) Ahead of September 2025 appeared on BitcoinEthereumNews.com. As September 2025 approaches, predictions in the crypto whale circles are growing louder, and they’re all circling around Mutuum Finance (MUTM). While the market keeps a watchful but neutral eye on established players like Ripple (XRP), heavyweight investors are quietly shifting their focus toward Mutuum Finance, drawn by its innovative lending protocols.  Mutuum Finance stage 6 of presale is now ongoing at the price of $0.035. All the investors who acquire this token today have a chance of growing their investments at least 500% within a short time span. Mutuum Finance presale has already amassed over $15.25 million of capital and over 15850 token holders. XRP Price Outlook, Stability at $2.94, Eyes on Short-Term Resistance XRP trades at about $2.94, and has been moving around in the region just below the important level of $3.00. According to analysts, above the support zone of $2.90, with whale build-up continuing, would pick up a slow progression toward the $3.40 to $4.00 series in the next few months. There are projections up to $5-$8 by early 2026 with regulatory clarity and strengthening demand. Although XRP has potential, investor interest also is shifting to new DeFi stories, including that of Mutuum Finance. Stage 6 Presale Now Live for Mutuum Finance (MUTM) Mutuum Finance is already a rapidly growing behemoth in the DeFi market and has achieved that by onboarding over 15,850 investors as well as having recorded a presale of over $15.25 million. The project is currently at Stage 6 of Presale selling tokens at $0.035 per MUTM. The stage offers early birds a huge profit window where they are presented with a chance to buy in prior to the token breaking higher in subsequent stages. Earn Rewards: $50,000 USDT Bug Bounty Program Consistent with an open infrastructure, Mutuum Finance is launching a $50,000…

Author: BitcoinEthereumNews
340,000,000 XRP in 14 Days, Whales Fueling Epic Rebound

340,000,000 XRP in 14 Days, Whales Fueling Epic Rebound

The post 340,000,000 XRP in 14 Days, Whales Fueling Epic Rebound appeared on BitcoinEthereumNews.com. Whales bought 340 million XRP in the past two weeks, according to market analyst Ali Martinez. The large-scale purchases have drawn attention to whale behavior, the XRP Ledger upgrade, and the outlook for future prices Whales Drive XRP Buying Trend It is worth noting that large holders has bought 340 million coins within the past 14 days. This data was shared by Ali Martinez, who follows the movements of big accounts in the market. The buying was recorded in the second half of August and ended on August 31. The wallets involved held between 10 million and 100 million XRP each. XRP Whales on Buying Spree | Source: Ali Martinez The increase in their balances showed that some investors with large positions decided to add more tokens. For many traders, whale activity is often taken as a signal of confidence, though it does not guarantee what will happen next. A comment under the post pointed out the other side of the story: how much of the new buying might later be sold. This question highlighted the uncertainty of the market. Big purchases can support the price, but they can also create selling pressure if whales decide to exit quickly. The size of the purchase was also notable. It was far above the level of normal market movements and suggested that whales were making a coordinated move. This came at a time when the XRP price was facing a correction and traders were waiting for signs of the next trend. In separate news, while whales were buying, Ripple was working on improving the XRP Ledger. A major update introduced an Ethereum Virtual Machine (EVM) sidechain. This project was built using Cosmos technology and was launched on the mainnet. The EVM sidechain made it possible to run smart contracts and applications on…

Author: BitcoinEthereumNews
Bitcoin’s $200K Dream Is Bold, But Ozak AI’s Presale Reality Shows Bigger Upside

Bitcoin’s $200K Dream Is Bold, But Ozak AI’s Presale Reality Shows Bigger Upside

The post Bitcoin’s $200K Dream Is Bold, But Ozak AI’s Presale Reality Shows Bigger Upside appeared on BitcoinEthereumNews.com. Crypto markets are buzzing with bold predictions as Bitcoin continues its climb, with analysts forecasting a potential surge to $200,000 in the next bull cycle. While this dream target excites investors, another project is quietly turning heads with an even bigger upside potential. Ozak AI (OZ), a presale gem currently priced at $0.01 in its fifth stage, is being hailed as one of the few projects capable of delivering 100x returns. As Bitcoin cements its dominance, Ozak AI’s presale momentum shows that investors are also chasing opportunities where exponential growth remains possible. Bitcoin’s $200K Dream Bitcoin has constantly been the centerpiece of the crypto market, often setting the tone for the complete enterprise. With the cutting-edge rate hovering round $108,632, achieving $200K could almost double its cost—a great move for this type of large-cap asset. The excitement stems from institutional inflows, the fulfillment of spot Bitcoin ETFs, and the imminent halving event, which historically triggers powerful fee rallies. However, at the same time as Bitcoin stays a dependable store of value and an extended-term preserve, its upside ability is highly capped as compared to smaller, rising projects that may supply outsized returns. Ozak AI: A Presale Powerhouse Ozak AI has emerged as one of the most talked-about presales in 2025. Priced at just $0.01 per token, with analysts projecting a launch near $1, Ozak AI offers a rare chance at 100x growth. The project is blending two of the hottest narratives in crypto—artificial intelligence and blockchain—to create a platform that delivers AI-driven insights, automated trading strategies, and enhanced efficiency for decentralized finance (DeFi). Unlike speculative meme coins, Ozak AI is positioning itself as a utility-driven project, already gaining credibility through CoinGecko and CoinMarketCap listings and a CertiK audit. With over $2.5 million raised in its presale, demand continues to construct…

Author: BitcoinEthereumNews
Layer Brett Could Overtake Shiba Inu (SHIB) and Outpace Dogecoin (DOGE) by 80x Before 2026

Layer Brett Could Overtake Shiba Inu (SHIB) and Outpace Dogecoin (DOGE) by 80x Before 2026

The post Layer Brett Could Overtake Shiba Inu (SHIB) and Outpace Dogecoin (DOGE) by 80x Before 2026 appeared on BitcoinEthereumNews.com. The crypto world is buzzing, and Layer Brett is leading the conversation. More than just another meme token, this Ethereum Layer 2 project is being hailed as a potential game-changer, blending meme culture with serious scalability.  With its crypto presale generating real FOMO, analysts are predicting that $LBRETT could outpace giants like Shiba Inu and Dogecoin by as much as 80x before 2026. Why Layer Brett gives investors an edge The original Brett token on Base was fun but limited. Layer Brett has broken away, building a future on Ethereum Layer 2 that solves the issues of speed and cost. Ethereum’s mainnet is powerful but congested, with fees often climbing to $10–$20 per transaction. By processing activity off-chain while still anchored to Ethereum, Layer Brett offers lightning-fast confirmations with fees that cost only pennies. This kind of accessibility matters. Dogecoin (DOGE) and Shiba Inu (SHIB) have achieved massive adoption, but their architectures can’t deliver this level of efficiency. $LBRETT represents the next evolution, a memecoin with both culture and cutting-edge blockchain mechanics. With Ethereum Layer 2s projected to process over $10 trillion annually by 2027, Layer Brett is positioned right where demand is headed. How $LBRETT rewards early buyers Presale participants aren’t just buying a token; they’re securing access to massive staking benefits. Early adopters of $LBRETT can stake instantly via MetaMask or Trust Wallet and unlock APYs in the tens of thousands, levels unheard of with DOGE or SHIB. Key advantages include: Ethereum Layer 2 foundation: Fast, scalable, and low-cost. Presale access: Early buyers secure tokens at $0.0053. Staking crypto rewards: Huge APYs available immediately. Meme power with utility: Viral energy backed by real technology. With a fixed supply of 10 billion tokens and a community-first tokenomics model, Layer Brett ensures transparency while amplifying incentives for early backers. Add…

Author: BitcoinEthereumNews
Bitcoin Faces Fee Crisis That Threatens Network Security: Can BTCfi Help?

Bitcoin Faces Fee Crisis That Threatens Network Security: Can BTCfi Help?

Bitcoin’s Transaction Fees Collapse Bitcoin’s daily transaction fees have fallen by more than 80% since April 2024, according to Galaxy Digital. As of August 2025, nearly 15% of blocks are being mined with minimal or no fees, sometimes just one satoshi per virtual byte. While this benefits users with cheaper transactions, it reduces miners’ earnings. After April’s halving cut rewards to 3.125 BTC per block, miners are increasingly dependent on fees. With fees drying up, concerns are growing over Bitcoin’s long-term security. Pierre Samaties, chief business officer at the Dfinity Foundation,that “sustained throughput is essential for the system to defend itself.” Onchain Activity Slows The decline of trends like Ordinals and Runes has left Bitcoin’s onchain activity sluggish. OP_RETURN transactions, which once drove 60% of daily activity, now account for just 20%. Meanwhile, alternative blockchains such as Solana are attracting memecoins and NFT projects. Spot Bitcoin ETFs, now holding over 1.3 million BTC, also divert trading volume offchain, further cutting fee-generating activity. Galaxy Digital’s report found nearly 50% of recent Bitcoin blocks have been underfilled, with mempool demand at low levels. BTCfi as a Potential Lifeline Against this backdrop, BTCfi — Bitcoin-native decentralized finance — is emerging as a possible solution. Unlike Ethereum or Solana DeFi, BTCfi uses Bitcoin as its base asset while enabling lending, trading, and yield strategies on layers or protocols tied to Bitcoin itself. “Every BTCfi action requires moving Bitcoin,” Samaties explained. “Movement drives computation, computation consumes block space, and space carries cost.” This dynamic could restore fee demand and strengthen miner incentives. From Digital Gold to Financial Primitive Bitcoin has long been viewed as digital gold, valued more for holding than for use. But Samaties sees it evolving into a financial primitive, a building block for broader financial systems. Julian Mezger, CMO of Liquidium, agrees. “The last five years have transformed Bitcoin’s infrastructure from a simple settlement layer into a multi-layered ecosystem,” he said. “We’re now seeing the foundations for true Bitcoin-native DeFi being laid.” If BTCfi continues to develop, Bitcoin could transition from passive store of value to active financial backbone — and in the process, solve its looming fee crisis. Illustration of Bitcoin fee decline and BTCfi growth potential

Author: Coinstats