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.

14022 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Morpho Token Surges as Lending Protocol Eclipses $10 Billion in Deposits

Morpho Token Surges as Lending Protocol Eclipses $10 Billion in Deposits

The post Morpho Token Surges as Lending Protocol Eclipses $10 Billion in Deposits appeared on BitcoinEthereumNews.com. MORPHO has rallied nearly 50% in the past 30 days to a six-month high as the DeFi lending protocol continues to attract new inflows. Morpho, an Ethereum-based decentralized lending platform, surpassed $10 billion in total deposits this month, driven by consistent inflows as it hit all-time highs in total value locked (TVL) and active loans. With total deposits at $10.2 billion, the platform’s active loans stand at a new all-time high of $3.5 billion, with TVL also at an all-time high of $6.7 billion, as capital continues to pour onchain. Morpho Metrics – Morpho Decentralized finance (DeFi) ecosystems on major blockchain networks, including Ethereum, Solana, and Hyperliquid, all reached new high-water marks in August, potentially fueled by ETH’s outperformance and regulatory clarity with regard to DeFi from branches of the U.S. government, such as the Securities and Exchange Commission (SEC). The MORPHO token trades at a six-month high of $2.76, or a $900 million market capitalization. The token is up 20% today, fueled by the broader market rally after Federal Reserve Chair Jerome Powell’s dovish speech at the Jackson Hole Symposium today. MORPHO Chart – CoinGecko MORPHO, which launched in November 2024, reached an all-time high of $3.9 in January, before falling as low as $0.87 in April. Source: https://thedefiant.io/news/defi/morpho-token-surges-as-lending-protocol-eclipses-usd10-billion-in-deposits

Author: BitcoinEthereumNews
Aave Expands to Aptos in First Move Off Ethereum

Aave Expands to Aptos in First Move Off Ethereum

The post Aave Expands to Aptos in First Move Off Ethereum appeared on BitcoinEthereumNews.com. Decentralized lending giant Aave has deployed on the Aptos blockchain, its first expansion beyond Ethereum-compatible networks Decentralized lending giant Aave has deployed on the Aptos blockchain, its first expansion beyond Ethereum-compatible networks. The move required rewriting the protocol in the Move programming language and gives Aptos users access to Aave’s market, which manages about $70 billion in deposits across chains. To accelerate adoption, the Aptos Foundation is funding liquidity rewards for depositors and borrowers. Demand proved brisk: initial supply caps were reached in less than a day, prompting the protocol’s governance to lift limits to $1 million per asset. The Aptos rollout integrates Chainlink price-feed oracles to secure collateral valuations, extending a collaboration that already underpins Aave’s markets on other chains. The launch underscores both Aave’s strategy to diversify beyond Ethereum infrastructure and Aptos’s push to attract flagship decentralized-finance applications. This is an AI-generated article powered by DeepNewz, curated by The Defiant. For more information, including article sources, visit DeepNewz. Source: https://thedefiant.io/news/defi/aave-expands-to-aptos-first-move-off-ethereum-2ae1f9f6

Author: BitcoinEthereumNews
Crucial Relief For 89,000 Investors

Crucial Relief For 89,000 Investors

The post Crucial Relief For 89,000 Investors appeared on BitcoinEthereumNews.com. The cryptocurrency world recently saw a significant breakthrough as a U.S. judge officially approved a 13 million dollar BlockFi settlement. This crucial decision, which came after a key investor objection was withdrawn, is paving the way for thousands of affected users to receive some much-needed relief. For many, this marks a tangible step towards closure after a period of financial uncertainty. What Does This Crucial BlockFi Settlement Entail? A U.S. judge has given final approval to a $13 million settlement in the BlockFi class-action lawsuit. This green light arrived swiftly following the withdrawal of a significant objection from an investor group. The lawsuit, filed in 2023, alleged BlockFi sold unregistered securities and actively misled investors about their offerings. The settlement aims to address these claims directly, offering restitution for those who suffered losses. This signifies a legal victory for affected users and sets a precedent for future cases in the digital asset space. Settlement Value: $13 million. Funding Mechanism: BlockFi’s insurers are mandated to fund this settlement. Payment Deadline: Funds must be provided within 30 days. Core Accusations: Selling unregistered securities and misleading investor communications. This resolution marks a pivotal moment for those impacted by BlockFi’s challenges, offering a concrete outcome after legal wrangling. Who Qualifies for the BlockFi Settlement Payouts? Many former BlockFi users are eagerly wondering if they qualify for a portion of this significant settlement. The good news is that a substantial number of individuals are eligible. Approximately 89,000 users who maintained interest-bearing accounts with BlockFi from 2019 to 2022 are expected to be included. Understanding your eligibility is key. If you held an interest account during these years, you are likely part of the class action. However, consult official communications from the bankruptcy court or the settlement administrator for precise details regarding claim submission and verification.…

Author: BitcoinEthereumNews
The Rise Of The Consumer Visionary Merchant

The Rise Of The Consumer Visionary Merchant

The post The Rise Of The Consumer Visionary Merchant appeared on BitcoinEthereumNews.com. Manager using digital tablet on blurred store as background getty Retailers are navigating relentless disruption—and nowhere is the impact more acute than in merchandising. Merchandising is the heart and soul of retail—the bridge between product selection and customer engagement, shaping both sales and brand loyalty. From sourcing at the right price to planning where and how to sell, merchants partner with planning and inventory teams to forecast trends and position stock. Historically, success was measured by margins, turns, and sales. Merchants won by reading seasonal trends, cultivating supplier relationships, and interpreting market dynamics. At the same time, merchants face economic headwinds, geopolitical challenges, inflation, and supply chain disruptions that have shifted from exceptions to assumptions. With more than half (54%) of consumers viewing uncertainty as the new normal (Accenture’s Latest Consumer Pulse Survey), retailers must build resilience and expand what “consumer-focused” means. It’s no longer just selling products—it’s building true consumer intimacy. This demands that merchants immerse themselves in the whole person: their needs, their desires, their and their world. Because consumer behaviors shift quickly, static plans give way to real-time adjustments and rapid test-and-learn—ready to pivot when the unexpected happens. With retail more complex than it’s ever been, and merchandising at the center of it all, the question is whether the merchant role evolves—or is redefined entirely. A New Way Forward: The ‘Consumer Visionary’ We’re already seeing merchants evolve into Consumer Visionaries—leaders who blend deep human understanding with technology to make fast, informed calls. They prioritize sustainability, know how to create engaging experiences and content, and build partnerships that go beyond traditional supplier relationships. However, it’s not just what people buy—it’s why. Curiosity about psychology and culture, paired with technology, turns insight into action that benefits customers and the business. Consider social commerce: platforms like TikTok Shop have erased…

Author: BitcoinEthereumNews
Where Will Mutuum Finance (MUTM) Be in 1 Year?

Where Will Mutuum Finance (MUTM) Be in 1 Year?

As the crypto market continues to test new highs in 2025, Mutuum Finance (MUTM) has quickly emerged as one of the most closely watched tokens in decentralized lending and yield strategies.  Mutuum Finance is currently in presale Stage 6 and is priced at $0.035. Price appreciation in the upcoming phase will drive the token to $0.04.  Mutuum Finance (MUTM) presale has reached more than $14.7 million raised and more than 15500 token holders. Analysts and retail traders alike are speculating on potential price trajectories, the return on a $1,000 stake today, and whether Mutuum Finance’s model can carve out lasting relevance in the fast-moving DeFi ecosystem. Mutuum Finance Phase 6 Presale Is Live Now Mutuum Finance (MUTM) is in presale round 6 at $0.035. MUTM will increase the price to $0.04 in phase 7, 14.29% higher than before. Mutuum Finance early investors will see more than 400% return on investment as MUTM gains in value. The presale has raised more than $14.7 million so far and has gathered over 15500 individual investors, which clearly shows the exponential growth of the project. Mutuum Finance Token Giveaway Mutuum Finance is hosting a $100,000 giveaway. 10 winners will receive $10,000 each in Mutuum Finance tokens. The giveaway speaks to the enormous amount of commitment that the project has in creating a long-term and committed community. The second security and transparency measure is the launch of an Official Bug Bounty Program by MUTM in partnership with CertiK. The project team welcomes users with a token of gratitude up to a maximum of 50,000 USDT to disclose the potential vulnerabilities of the project. The bounty program is set to offer class-leading security for all vulnerability classes. It’s split among the four vulnerability severity classes, i.e., major, critical, minor, and low. The program also shows that the team is concerned about the ecosystem security along with investor confidence. The Next Generation of DeFi Lending Mutuum Finance (MUTM) is a forward-looking custodial DeFi protocol designed to redefine the lending landscape in decentralized finance. With a long-term vision centered on accessibility, security, and innovation, the platform delivers convenience and flexibility through its dual lending models: Peer-to-Contract and Peer-to-Peer. The Peer-to-Contract framework preserves the simplicity and transparency of smart contracts, ensuring that loan transfers are executed automatically with minimal or no human intervention. This model enhances efficiency, reduces risk, and provides users with a seamless experience. Meanwhile, the Peer-to-Peer system empowers individuals by eliminating intermediaries altogether. It creates a direct bridge between lenders and borrowers, allowing funds to move securely and efficiently without the need for third-party custodians. This not only maximizes user control but also fosters a more open and collaborative financial ecosystem. By combining these two models, Mutuum Finance positions itself as a next-generation DeFi protocol that balances automation, trust, and user empowerment, paving the way for a more decentralized, inclusive, and sustainable financial future. Mutuum Finance (MUTM) has already secured over $14.7 million in presale funding and attracted more than 15,500 investors, a clear sign of its growing momentum. At the current $0.035 presale price, an investment of $1,000 today could yield more than $5,000 if early forecasts hold true. As the project advances toward its next phase at $0.04, early adopters stand to capture significant upside while benefiting from MUTM’s dual lending model, $100,000 token giveaway, and CertiK-backed bug bounty program. Don’t wait until the next stage, join the Mutuum Finance presale now and position yourself at the front of DeFi’s next breakthrough. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://mutuum.com/ Linktree: https://linktr.ee/mutuumfinance

Author: Coinstats
BlockFi Settlement Approved: Crucial Relief for 89,000 Investors

BlockFi Settlement Approved: Crucial Relief for 89,000 Investors

BitcoinWorld BlockFi Settlement Approved: Crucial Relief for 89,000 Investors The cryptocurrency world recently saw a significant breakthrough as a U.S. judge officially approved a 13 million dollar BlockFi settlement. This crucial decision, which came after a key investor objection was withdrawn, is paving the way for thousands of affected users to receive some much-needed relief. For many, this marks a tangible step towards closure after a period of financial uncertainty. What Does This Crucial BlockFi Settlement Entail? A U.S. judge has given final approval to a $13 million settlement in the BlockFi class-action lawsuit. This green light arrived swiftly following the withdrawal of a significant objection from an investor group. The lawsuit, filed in 2023, alleged BlockFi sold unregistered securities and actively misled investors about their offerings. The settlement aims to address these claims directly, offering restitution for those who suffered losses. This signifies a legal victory for affected users and sets a precedent for future cases in the digital asset space. Settlement Value: $13 million. Funding Mechanism: BlockFi’s insurers are mandated to fund this settlement. Payment Deadline: Funds must be provided within 30 days. Core Accusations: Selling unregistered securities and misleading investor communications. This resolution marks a pivotal moment for those impacted by BlockFi’s challenges, offering a concrete outcome after legal wrangling. Who Qualifies for the BlockFi Settlement Payouts? Many former BlockFi users are eagerly wondering if they qualify for a portion of this significant settlement. The good news is that a substantial number of individuals are eligible. Approximately 89,000 users who maintained interest-bearing accounts with BlockFi from 2019 to 2022 are expected to be included. Understanding your eligibility is key. If you held an interest account during these years, you are likely part of the class action. However, consult official communications from the bankruptcy court or the settlement administrator for precise details regarding claim submission and verification. This proactive approach ensures you do not miss out on your rightful share. Eligible User Base: Roughly 89,000 individuals. Account Type Requirement: Users with interest accounts. Qualifying Period: Accounts held between 2019 and 2022. Next Step: A final hearing is scheduled for December 11 to detail the distribution process. This step is a hopeful sign for those who have endured considerable uncertainty and financial stress. How Does This BlockFi Settlement Connect to the Broader Bankruptcy? It is crucial to understand that while this class-action settlement brings welcome news, it represents just one component of a much larger financial situation. BlockFi itself remains deeply involved in Chapter 11 bankruptcy proceedings. As reported by Cointelegraph, the company is still actively navigating various processes, including broader asset returns and other separate settlements with different creditor groups. Therefore, while this specific BlockFi settlement offers a clear and positive path to recovery for a defined segment of its users, the overarching financial restructuring of the company continues. The ongoing bankruptcy highlights the inherent complexities and challenges associated with the insolvency of major cryptocurrency firms. Investors should monitor official bankruptcy communications for updates on other potential distributions or resolutions. This situation underscores the importance of due diligence and understanding the risks involved when engaging with cryptocurrency lending platforms. The journey to full recovery for all BlockFi stakeholders is still ongoing, but this settlement is a definitive step forward for many. What Actionable Steps Should Eligible Investors Consider for the BlockFi Settlement? For eligible investors, staying informed is paramount. Monitor the official BlockFi bankruptcy website and any communications from the settlement administrator. While a final hearing is set for December 11, specific instructions on how to claim your portion of the BlockFi settlement will follow. Ensure your contact information is up-to-date with the relevant parties to receive timely notifications. Key Actions: Stay Informed: Regularly check official BlockFi and court channels. Update Contact Info: Ensure all your details are current with administrators. Prepare Documentation: Have records of your BlockFi interest account holdings ready. This proactive approach will help streamline the process, ensuring you receive your entitled funds efficiently. Summary: The approval of the $13 million BlockFi settlement is a significant and positive development, providing crucial restitution for thousands of affected investors. This resolution offers much-needed clarity and a concrete outcome for a substantial user base, powerfully underscoring the critical importance of regulatory compliance and robust investor protection within the rapidly evolving cryptocurrency landscape. Frequently Asked Questions (FAQs) About the BlockFi Settlement Q1: What is the total amount of the BlockFi settlement? A1: The U.S. judge has approved a $13 million settlement in the BlockFi class-action lawsuit. Q2: Who is eligible to receive funds from this BlockFi settlement? A2: Approximately 89,000 users who held interest-bearing accounts with BlockFi between 2019 and 2022 are eligible. Q3: When can eligible users expect to receive their BlockFi settlement funds? A3: BlockFi’s insurers must fund the settlement within 30 days. A final hearing is set for December 11 to detail the distribution process, after which specific instructions for claims will follow. Q4: How does this BlockFi settlement relate to the company’s bankruptcy? A4: This class-action settlement is one component of BlockFi’s broader Chapter 11 bankruptcy proceedings. The company is still managing other asset returns and settlements concurrently. Q5: What should eligible investors do now? A5: Eligible investors should monitor official BlockFi bankruptcy communications and any notices from the settlement administrator. Ensure your contact information is up-to-date to receive timely updates and instructions for claiming your funds. If you found this update on the BlockFi settlement helpful, consider sharing it with your network! Stay informed and help others navigate the evolving crypto landscape by spreading the word on social media. To learn more about the latest crypto market trends, explore our article on key developments shaping cryptocurrency institutional adoption. This post BlockFi Settlement Approved: Crucial Relief for 89,000 Investors first appeared on BitcoinWorld and is written by Editorial Team

Author: Coinstats
Ethereum (ETH) Crashes Over 10% After $4700 Milestone, Investors Gravitating Toward a Viral DeFi Crypto

Ethereum (ETH) Crashes Over 10% After $4700 Milestone, Investors Gravitating Toward a Viral DeFi Crypto

The unexpected 10% decline of Ethereum after a rally to the $4,700 level has sent shockwaves through the crypto market, but focus is quickly shifting elsewhere. While ETH is unable to regain momentum, investors are increasingly turning toward Mutuum Finance (MUTM), a fast-emerging DeFi protocol building viral levels of popularity for its innovative solution to […]

Author: Cryptopolitan
Final Alert: The Assets Everyone Will Regret Missing This Bull Run

Final Alert: The Assets Everyone Will Regret Missing This Bull Run

Some assets are set to take the spotlight as prices rise across the market. Missed chances in the past have left many wishing they acted sooner. This time, certain picks are attracting special attention. Which tokens and coins might spark the strongest moves? The coming weeks may reveal the answers—and possibly new fortunes. Toncoin’s Road Ahead: Fast Rails, Big Dreams, Bold Prices Toncoin powers The Open Network, an online rail first built by Telegram in 2018. After a court halt in 2020, volunteers renamed it and kept coding. The coin now runs on a stake-based system that speeds up checks and cuts power use. Users can send cash-like transfers in seconds and pay only tiny fees. Plans reach far beyond payments: cloud storage, friendly names, private surfing, and small apps can all sit on the same chain. This wide vision gives Toncoin a lively, growing crowd of fans and builders. Price watchers see wide moves ahead. Models that follow bitcoin’s halving rhythm place Toncoin near $6.45 at the low and $30.30 at the high in 2025, a jump of over threefold from today. Later years swing, with lows of $5.39–$16.27 and highs of $12.04–$40.52 through 2030, yet the top calls stay well above current levels. In a market where older coins fight to stay fresh, TON’s fresh code and busy updates stand out. If the network keeps adding tools, those bold targets may look less like dreams and more like milestones. Hyperliquid: The Gas-Free Highway for Perpetual Crypto Trading Hyperliquid is a new base network built only for fast money apps. Its secret sauce is a fresh way for computers to agree, so trades lock in almost at once. All orders sit on the chain, not on side lists, so anyone can check them. Because the team controls the whole stack, they cut fees to zero. You pay no gas to place or close a trade. Behind the code stand builders from Harvard, Caltech, and MIT who left big tech and Wall Street to chase a bold idea. In a market that loves speed, Hyperliquid could steal users from giants like Ethereum, where busy days still cost a few dollars per click. It also rivals Solana’s pace while offering full openness in its order book. Fresh coins that solve pain points often run hard when the wider crypto cycle turns up, and many watchers see early signs of that turn now. If volume keeps rising and the zero-fee promise holds, the token may ride the next wave with energy. As always, buyers should look past buzz and watch real use grow. $XYZ Unlocks the G.O.A.T. Status, Early Investors Positioned for Massive ROI XYZVerse ($XYZ) has brought a brand-new concept to the memecoin niche by blending the excitement of sports with the fast-moving energy of crypto. Designed for hardcore fans of football, basketball, MMA, and esports, this project goes beyond just being another token—it’s a growing community built around passion for the game. With the bold Greatest of All Time (G.O.A.T.) vision, XYZVerse is aiming higher than the average meme coin. And people are taking notice—it has recently earned the title of Best New Meme Project. What sets $XYZ apart? It’s not a short-lived trend. This project has a clear roadmap and a dedicated community focused on long-term growth. Fueled by the sports mentality, the $XYZ token has emerged as the ultimate contender ready to crush competitors. $XYZ is on its way to the winner’s podium to become a badge of honor for those who live and breathe sports and crypto. $XYZ Already Delivers Even Before Hitting the Market The $XYZ presale is underway, providing access to the token at a special pre-listing price. Launch Price: $0.0001 Price Now: $0.005 Next Stage: $0.01 Final Presale Price: $0.02 Following the presale, the $XYZ token will be listed on major centralized and decentralized exchanges, with a target listing price of $0.10. If the project raises enough capital to support this valuation, early investors could see returns of up to 1,000x on their presale entries. So far, over $15 million has been invested, reflecting strong market interest. Notably, securing tokens at a lower presale price offers the potential for higher ROI upon launch. Demand for $XYZ is surging, driving rapid progress in the presale. Early buyers secure the lowest prices, maximizing their potential returns. Join $XYZ Presale Now and See Your Pennies Grow Into Millions! Mantle (MNT): A Lean Rollup Riding the New Wave of Ethereum Growth Mantle is a new helper chain that works with Ethereum. It bundles many steps into one, so moves and trades happen fast and cost less. The chain is made of parts that can be swapped without harm. This helps builders create apps that feel smooth. Users can lock their ETH through Mantle’s staking plan and earn extra coins while still using their money. A big pool of funds backs the project. People who hold the MNT coin vote on how that money and the tech are used, so all plans stay open to the public. Speed, clear rules, and deep pockets make Mantle stand out. Many helper chains focus only on code, yet few give everyday users a loud voice. Money is now flowing back to fast chains that also bring in fees, like Arbitrum and Optimism. Mantle’s coin still trades cheaper than those rivals even though its fund is larger. If more action shifts to side chains and coin locking stays hot, need for MNT may grow. Still, success hangs on builders picking the chain and on voters guiding the fund with care. Conclusion TON, HYPE, and MNT shine this cycle, yet XYZVerse stands apart, blending sport and meme culture, community-led, GameFi ready, eyeing 20,000% gains to eclipse PEPE and MOG. You can find more information about XYZVerse (XYZ) here:https://xyzverse.io/, https://t.me/xyzverse, https://x.com/xyz_verse This article is not intended as financial advice. Educational purposes only.

Author: Coinstats
DeFi Heavyweight Aave Expands Beyond the EVM, Launches on Aptos

DeFi Heavyweight Aave Expands Beyond the EVM, Launches on Aptos

The post DeFi Heavyweight Aave Expands Beyond the EVM, Launches on Aptos appeared on BitcoinEthereumNews.com. Key highlights: Aave has launched on Aptos, its first deployment outside the Ethereum Virtual Machine (EVM) ecosystem. The protocol re-implemented Aave V3 in the Move programming language to integrate with Aptos. At launch, Aave supports USDC, USDT, APT, and sUSDe, with liquidity incentives funded by the Aptos Foundation. Aave, one of decentralized finance’s largest lending platforms, has expanded to the Aptos blockchain, marking its first launch on a non-EVM network after more than five years of operating exclusively on Ethereum and compatible chains. The deployment underscores Aave’s multichain strategy and its ambition to support new collateral markets and deepen stablecoin liquidity across diverse ecosystems. Aave is live on @aptos. pic.twitter.com/azgKS0JKFc — Aave (@aave) August 21, 2025 Aave V3 re-engineered for Aptos Unlike Ethereum and its EVM-compatible peers, Aptos runs on the Move programming language, requiring Aave Labs to re-implement Aave V3 from the ground up. The team also developed a new front-end, SDK, and integration tooling to ensure the protocol could operate securely and efficiently within Aptos’s architecture. The launch underwent extensive security reviews, including audits by Zellic, Ottersec, SpearBit (Cantina), and Certora. Additional measures included a mainnet capture-the-flag competition and an ongoing $500,000 bug bounty program funded in Aave’s GHO stablecoin. Risk parameters were established by Chaos Labs and LlamaRisk, while Chainlink provided production-ready price feeds to support lending and borrowing markets. Supported assets and liquidity incentives At launch, Aave supports four assets: Aptos’s native token (APT), stablecoins USDC and USDT, and Ethena Staked USDe (sUSDe). To encourage adoption, the Aptos Foundation will provide liquidity incentives and user rewards. The move is expected to bolster Aptos’s growing stablecoin market, which is valued at approximately $1.3 billion and dominated by Tether’s USDT. It also positions Aave to tap into Aptos’s liquid staking ecosystem, where only 8.1% of APT is currently…

Author: BitcoinEthereumNews
Best Crypto to Buy: Ripple (XRP) and Mutuum Finance (MUTM) Prove Why They’re Top Trending Altcoin Picks for 2025

Best Crypto to Buy: Ripple (XRP) and Mutuum Finance (MUTM) Prove Why They’re Top Trending Altcoin Picks for 2025

As the crypto market gets set for another historic year, the focus is on what will lead the new frontier of digital finance. While Ripple’s XRP remains busy leaving its stamp on cross-border payments, Mutuum Finance (MUTM) ranks among the most searched altcoins of 2025. Mutuum Finance phase 6 presale is selling the token for […]

Author: Cryptopolitan