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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.

14015 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
How Crypto’s Most Capital-Efficient Strategy Amplifies Yield

How Crypto’s Most Capital-Efficient Strategy Amplifies Yield

The post How Crypto’s Most Capital-Efficient Strategy Amplifies Yield appeared on BitcoinEthereumNews.com. While much of crypto chases volatility, the most capital-efficient allocations of 2025 are hiding in plain sight: looping. These structured strategies quietly recycle billions through the same assets, transforming modest yield spreads into outsized, risk-adjusted returns. In essence, they are the on-chain counterpart to TradFi’s repo and carry trades, now enhanced by tokenized real-world assets. What is DeFi looping and how does it work? DeFi looping is a yield amplification mechanism built on correlated collateral and debt. The essence of looping is yield-bearing assets — tokens that grow in value over time. Good examples include liquid staking tokens like Lido’s wstETH, synthetic dollars like Ethena’s sUSDe or tokenized private credit funds like Hamilton Lane’s SCOPE. The process begins by depositing such a yield-bearing asset, e.g. weETH, into a money market account, borrowing a closely related asset against it, e.g. ETH, allocating the borrowed amount back into the yield-bearing version, e.g. staking ETH on EtherFi and then redepositing it as collateral — that is one full loop. One of the most widely adopted looping structures is weETH (EtherFi’s wrapped staking ether) paired with ETH on lending platforms such as Spark. Asset design: weETH accrues staking rewards, so one unit gradually becomes worth more ETH over time. Here, at EtherFi protocol launch 1 weETH equalled 1 ETH. Now, it equals 1.0744 ETH. weETH / ETH price appreciation over time via liquid restaking yield accrual, Source: RedStone Risk correlation: If weETH yields ~3 percent annually and ETH borrow rates are 2.5 percent, each loop captures a 0.5 percent spread. With 90 percent loan-to-value ratio and 10 loops, that spread compounds, potentially increasing returns to roughly 7.5 percent annually. Market size in 2025 and growth potential Contango’s Q3 2024 estimates suggested that 20 to 30 percent of the $40 billion-plus locked in money markets…

Author: BitcoinEthereumNews

2025/08/21

Japan’s FSA to Create New Bureau for Crypto, Digital Finance

Japan’s FSA to Create New Bureau for Crypto, Digital Finance

The post Japan’s FSA to Create New Bureau for Crypto, Digital Finance appeared on BitcoinEthereumNews.com. Japan’s Financial Services Agency (FSA) plans a major reorganization in fiscal 2026, creating a new bureau to oversee insurance, asset management, and emerging financial services, including digital assets. Strengthening Oversight Amid Insurance Scandals The reorganization follows repeated incidents in the insurance sector, including customer data leaks and improper transfers from partner banks. The FSA intends to restore public trust and tighten governance by separating insurance oversight from the Supervisory Bureau. The current Supervisory Bureau will be renamed the “Banking and Securities Supervisory Bureau,” which will monitor megabanks, regional banks, and securities firms. The new bureau—tentatively called the “Asset Management and Insurance Supervisory Bureau”—will combine oversight of insurance and asset management under one structure. This marks the first significant organizational change since the Inspection Bureau was abolished in 2018. Japan’s Financial Services Agency Officials note that the reform addresses past misconduct while preparing for emerging financial markets. The bureau will cover new financial services, including crypto assets and other digital financial products. Japan hopes the changes will encourage households to shift savings into investments and promote corporate growth. Expanding Supervision to Local Institutions and Emerging Markets The FSA will appoint a “Supervisory Planning Officer” to oversee credit unions and cooperatives. This follows improper lending uncovered at Iwaki Shinkin Bank in Fukushima Prefecture. By expanding oversight to local institutions and emerging financial services, the agency aims to prevent misconduct and improve transparency. The new bureau’s digital asset responsibilities reflect Japan’s recognition that innovation demands dedicated supervision. Regulators plan to create guidelines for cryptocurrencies and digital finance, ensuring investor protection while supporting market growth. Officials expect the restructuring will strengthen governance and position Japan as Asia’s leading hub for asset management and digital finance. The FSA’s dual strategy balances immediate concerns in the insurance sector with long-term ambitions in emerging financial markets. It…

Author: BitcoinEthereumNews

2025/08/21

DeFi’s Most Precious Commodity? GEM DiCom Introduces Real-World Scarcity to Crypto

DeFi’s Most Precious Commodity? GEM DiCom Introduces Real-World Scarcity to Crypto

In an industry that is often defined by code, speculation and ephemeral hype, here is a new initiative that introduces something remarkably tangible: scarcity. Developed by GEMtrust DAO, GEM DiCom is a blockchain-native digital commodity associated with real-world gemstone reserves. While decentralization is prized but often plagued by volatility and trust issues, GEM DiCom offers […] The post DeFi’s Most Precious Commodity? GEM DiCom Introduces Real-World Scarcity to Crypto appeared first on Live Bitcoin News.

Author: LiveBitcoinNews

2025/08/21

Cardano Price Prediction: Experts Believe ADA Price May Stall Near $1, But One $0.035 Token Will Rally 50x Fast

Cardano Price Prediction: Experts Believe ADA Price May Stall Near $1, But One $0.035 Token Will Rally 50x Fast

The post Cardano Price Prediction: Experts Believe ADA Price May Stall Near $1, But One $0.035 Token Will Rally 50x Fast appeared on BitcoinEthereumNews.com. As Cardano’s ADA is getting close to the highly anticipated resistance of $1, experts suggest that its price behavior will begin to stagnate and attract investor attention to newer prospects in the market. Among such a token is Mutuum Finance (MTU), causing massive frenzy among traders and DeFi participants alike.  Over 15400 investors have invested in the project presale to date, and over $14.65 million has been raised. Mutuum Finance (MUTM) is already up to Stage 6 of Presale priced at $0.035. Stage 7 will be a 14.29% price hike to $0.04. Mutuum Finance is arousing anticipations of a potential 50x rally from its $0.035 starting point, thus forming a gem in a market where well-established assets like Cardano may experience short-term consolidation.  Cardano Price Outlook Cardano (ADA) currently trades at about $0.92, making slight intraday oscillations around a $0.92–$0.98 range as it consolidates at resistance levels without extreme movements. Market analysts indicate ADA is passing through a symmetrical triangle pattern, constricting between roughly $0.85 and $0.98, and this indicates that a breakout will happen soon—either to the $0.80 support or to a potential push to $1.10–$1.15 resistance, depending on the direction of the market. In this tranquil build-up, interest in Mutuum Finance remains present. Mutuum Finance Presale Proceeds to Phase 6 of Its Presale Mutuum Finance has completed Phase 5 of presale and proceeded to Phase 6, in which its tokens sell at $0.035. Mutuum Finance (MUTM) presale has surpassed $14.65 million already and over 15400 holders have participated. Mutuum Finance (MUTM) Partners with CertiK to Run $50K Bug Bounty Mutuum Finance is partnering with CertiK for its Bug Bounty Program. The reward pool of the program shall be $50,000 USDT. The program shall be rewarded under four categories, i.e. low, minor, major and critical. Mutuum Finance (MUTM) had…

Author: BitcoinEthereumNews

2025/08/21

Solana ETF Decision Delayed, Giving Mutuum Finance (MUTM) More Room to Eat into SOL’s Market Share

Solana ETF Decision Delayed, Giving Mutuum Finance (MUTM) More Room to Eat into SOL’s Market Share

Regulators once again put the potential Solana (SOL) ETF on hold, and the timing could restructure the competitiveness in the cryptocurrency market. While institutional investors hold their breath for the approval, the long-standing uncertainty has provided new on-ramps like upstart protocols Mutuum Finance (MUTM) with greater freedom to chip away at SOL’s market share.  Mutuum Finance is currently in presale Stage 6 and is priced at $0.035. Price appreciation in the following stage will push the token to $0.04 in stage 7. Mutuum Finance (MUTM) presale has reached its all-time high of more than $14.65 million raised and more than 15400 token holders.  Solana’s Current Market Solana (SOL) exchanges for about $184.30 today, recording a minor intraday withdrawal from recent highs. The network is still in the spotlight after its robust developer base, decentralized finance and NFT use cases leadership, and technology upgrade plans such as possibly ramping up transaction speeds through the “Alpenglow” upgrade. While SOL is testing levels of resistance—most recently at $200—with some anticipating $215 as a breakout point, broader market action is peaceful with no major fluctuations. Mutuum Finance also keeps accelerating in its presale. Mutuum Finance Phase 6 Presale Is Live Now Mutuum Finance (MUTM) is presently 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 value. MUTM presale has raised over $14.65 million so far and has registered over 15400 individual investors so far, which clearly depicts the project’s exponential growth. Mutuum Finance Token Giveaway Mutuum Finance is conducting a $100,000 giveaway. 10 individuals are being rewarded $10,000 each in Mutuum Finance tokens. The giveaway speaks volumes about the enormous scale of commitment that the project has towards creating a long-term and committed community. The second security and transparency action is the launch of an Official Bug Bounty Program by MUTM in partnership with CertiK. The project team encourages users as a token of gratitude for up to as much as 50,000 USDT to discover the probable vulnerabilities of the project. Bounty program is intended to offer class-leading protection for every vulnerability class. It’s split among the four classes of vulnerability severity, i.e., major, critical, minor, and low. The program also shows the team is concerned about the ecosystem security as well as investor trust.  The Next Generation of DeFi Lending Mutuum Finance (MUTM) is custodial DeFi protocol. Long-term vision team is bringing convenience and flexibility in the form of Peer-to-Contract and Peer-to-Peer models of lending. Peer-to-Contract platform preserves the ease of smart contracts with minimum or no human intervention in loan transferring. Peer-to-Peer system eliminates middlemen and enables lenders and borrowers to transfer directly to each other. With the Solana ETF approval postponed, institutional flows into SOL are still unclear even as the token consolidated at levels near $184. Meanwhile, Mutuum Finance (MUTM) is surfing the spotlight, shattering Stage 6 at $0.035, accumulating more than $14.65 million in funding from 15,400+ investors, and lining up its next jump to $0.04 in Stage 7.  Backed by a CertiK-audited bug bounty, a $100,000 community giveaway, and its twin-lending DeFi framework, MUTM is turning into a faster-moving growth play with specialists anticipating 400%+ ROI for early entry. As Solana waits for regulators, Mutuum Finance is already soaring, the moment now is to own MUTM before the next price surge. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://mutuum.com/ Linktree: https://linktr.ee/mutuumfinance

Author: Coinstats

2025/08/21

TAC’s TVL Surges above $200M One Month after Mainnet Launch

TAC’s TVL Surges above $200M One Month after Mainnet Launch

The post TAC’s TVL Surges above $200M One Month after Mainnet Launch appeared on BitcoinEthereumNews.com. Just a month after going live, TAC’s TON-focused EVM network has locked in 35% more value than TON’s DeFi TVL. TAC, a TON blockchain-focused protocol, has attracted nearly $208 million in total value locked (TVL) in just a month after its mainnet launch. After launching on July 15, the EVM-compatible layer now holds 35% more value on-chain than TON’s DeFi TVL, which stands at $153.6 million as of today, Aug. 20, per data from DefiLlama. TVL on TAC and TON. Source: DefiLlama The network connects Ethereum-based applications to TON’s Telegram-integrated ecosystem without bridges or wrapped assets. Since launch, Ethereum-based DeFi protocols including Curve, Morpho, and Euler — each with over $1 billion in TVL — have deployed on TAC. Months before its mainnet launch, TAC secured $150 million in Ethereum-based liquidity in a campaign with DeFi liquidity protocol Turtle Club. Lending protocol Euler currently represents the largest share of TAC’s TVL, with $131.3 million in TVL, or 63% of value locked on TAC. Users appear to be holding assets to earn yield rather than actively moving them, as two of the top three protocols by TVL focus on lending. The decentralized exchange Curve Finance ranks fifth among protocols on TAC, with $17.14 million in TVL, per DefiLlama. Michael Bentley, CEO and co-founder of Euler, told The Defiant that integrating with TAC lets the lending protocol reach Telegram users without requiring them to use separate wallets or cross-chain bridges. “Telegram is already part of most crypto users’ daily routine. Integrating directly through TAC allows us to meet users where they are, and reaching the highest TVL on TAC shows how quickly adoption can grow,” Bentley said. TAC’s growth has lifted TON’s share of EVM-based DeFi by providing a direct path for Ethereum developers to reach TON users without rewriting their applications…

Author: BitcoinEthereumNews

2025/08/21

Core and Hex Trust Unlock Institutional Bitcoin Staking in APAC and MENA

Core and Hex Trust Unlock Institutional Bitcoin Staking in APAC and MENA

Core Foundation and Hex Trust have partnered to introduce bitcoin staking for institutional clients in APAC and MENA, enabling secure yield generation through Core’s dual staking model. The move combines bitcoin and CORE token staking within Hex Trust’s licensed custody platform. Hex Trust Brings Core’s Bitcoin Staking Solution to Institutional Clients Core Foundation has expanded […]

Author: Bitcoin.com News

2025/08/21

Dogecoin (DOGE) Price Prediction: Whales Buy $2B DOGE, But Mutuum Finance (MUTM) Outpaces in Growth

Dogecoin (DOGE) Price Prediction: Whales Buy $2B DOGE, But Mutuum Finance (MUTM) Outpaces in Growth

Whale action has once again rocked the crypto market, with Dogecoin (DOGE) seeing a massive $2 billion accumulation that revived speculation regarding the meme coin’s trajectory. But while DOGE is making headlines, real momentum is moving elsewhere, towards Mutuum Finance (MUTM). The DeFi protocol has been outpacing legacy tokens in terms of growth, grabbing investor […]

Author: Cryptopolitan

2025/08/21

Experts Reveal the Top Cryptos to Accumulate Before the Next Rally

Experts Reveal the Top Cryptos to Accumulate Before the Next Rally

Cryptocurrency markets have cooled over the past week, with higher-than-expected producer price inflation triggering a wave of selling. Many altcoins dropped 5–10%, and liquidations added pressure to short-term prices. Despite the dip, analysts highlight opportunities for strategic accumulation, particularly in the broader crypto space and the rapidly growing meme coin sector. Bitcoin has shown resilience, […]

Author: The Cryptonomist

2025/08/21

Institutional Demand Could Send Ethereum (ETH) to $5500 While Mutuum Finance (MUTM) Steals the Spotlight With $5 Target

Institutional Demand Could Send Ethereum (ETH) to $5500 While Mutuum Finance (MUTM) Steals the Spotlight With $5 Target

As Ethereum (ETH) inches toward a potential $5,500 rally on the back of surging institutional demand, the real buzz in the market is shifting elsewhere, toward Mutuum Finance (MUTM). The emerging DeFi protocol is quickly stealing the spotlight, with analysts eyeing a bold $5 price target amid growing traction in decentralized lending. Mutuum Finance presale […]

Author: Cryptopolitan

2025/08/21

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