DeFi

DeFi eliminates intermediaries by using smart contracts on blockchains to provide financial services like lending, borrowing, and trading. In 2026, the "DeFi 3.0" era is defined by Institutional DeFi and the integration of Real-World Assets (RWA). From liquidity provisioning on Uniswap to advanced lending on Aave, this tag tracks the evolution of autonomous financial systems, yield optimization, and the rise of AI-driven portfolio management in the decentralized economy.

67773 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Westpac and Australia’s RBA Launch Chainlink-Based Tokenized Asset Settlement Project

Westpac and Australia’s RBA Launch Chainlink-Based Tokenized Asset Settlement Project

Westpac Institutional Bank has partnered with Chainlink and Imperium Markets to implement blockchain-based tokenized asset settlement capabilities through Project Acacia. The Chainlink Runtime Environment will orchestrate secure Delivery vs. Payment (DvP) settlement of tokenized assets across blockchain markets and Australia’s existing PayTo domestic payments system. We are excited to announce that Westpac Institutional Bank ( @Westpac ) and Imperium Markets are implementing Chainlink in Project Acacia, a new joint initiative between the Reserve Bank of Australia and Digital Finance CRC (DFCRC). https://t.co/pLh1i6Vqzy The Chainlink Runtime… pic.twitter.com/hO84SJnVqh — Chainlink (@chainlink) July 17, 2025 Australia’s central bank has estimated that tokenization could save asset issuers up to AUD $12 billion annually in Australian markets. The initiative builds on the RBA’s broader six-month pilot program announced in July , which selected 24 industry participants to conduct 19 real-money transactions and five proof-of-concept simulations across multiple asset classes. Westpac Extends PayTo Infrastructure for Tokenized Asset Transactions Westpac’s proof of concept seeks to demonstrate that the existing PayTo infrastructure can handle the settlement and clearing of large wholesale banking payments required for tokenized asset transactions. PayTo, launched by Westpac in 2024, operates as a digital-first alternative to direct debit payments that enables real-time transactions with enhanced visibility and control for customers. The system settles transactions using banks’ existing exchange settlement accounts with the RBA while offering rich transaction data, verified authorization, and secure storage capabilities. Jeff Byrne, Managing Director of Global Transaction Services at Westpac Institutional Bank, said the bank is “helping the RBA explore what digital currencies could look like in the real world, while giving our customers access to new payment options safely and securely.” Beyond the immediate settlement capabilities, the project extends Westpac’s PayTo capabilities to emerging technologies such as asset tokenization while demonstrating ways to unlock new value while protecting customers. The proof of concept also provides Westpac with an opportunity to test post-quantum cryptography in financial systems, using advanced encryption algorithms designed to resist potential future quantum computer attacks. David Walker, Westpac’s Chief Technology Officer, described the initiative as “a real-world opportunity to learn and create something that will be incredibly important in the future, and something we might need to apply at scale.” Westpac maintains a long-term equity investment in Australian cybersecurity company QuintessenceLabs, which has developed quantum-enhanced cryptography solutions already deployed in defense and large organization applications. Walker stated that “creating the next generation of payments architecture requires the strategic involvement of all the banks, telcos, retailers and governments working together.” The Australian Securities and Investments Commission has granted regulatory relief to facilitate the testing, with project findings expected in the first quarter of 2026. Global Financial Institutions Accelerate Blockchain Infrastructure Development Chainlink has positioned itself at the center of a potential $260 trillion market opportunity through partnerships with major financial institutions to unlock the untokenized assets market via its Cross-Chain Interoperability Protocol. Earlier this year, Chainlink partnered with Abu Dhabi Global Market to develop blockchain standards and explore tokenization frameworks within regulated environments. RedStone’s market analysis also reveals that the tokenized real-world assets market reached $24.31 billion by June 2025, driven by a 260% surge from $8.6 billion at the start of the year, with private credit claiming more than half of the total market value at $14 billion. 📢 #Tokenized #RWA space has reached an ATH of $24.31 billion, moving from a “buzzword into a multi-billion-dollar financial system,” per @redstone_defi , @gauntlet_xyz , and @RWA_xyz . #crypto #blockchain https://t.co/bdsQCS4mwd — Cryptonews.com (@cryptonews) June 26, 2025 Notably, Australia’s approach contrasts with the restrictive stances some of its major banks have taken toward crypto platforms, with the National Australia Bank blocking payments to certain crypto exchanges in 2023, citing concerns about scams. Project Acacia’s focus on regulated institutional applications could generate AU$19 billion annually in economic gains, according to Professor Talis Putnins from the Digital Finance Cooperative Research Centre. Organizers have described Australia’s real-money settlement testing on third-party platforms as a world-first for the country in the digital finance industry.

Author: CryptoNews
Ondo Finance’s USDY to launch on Sei Network

Ondo Finance’s USDY to launch on Sei Network

Ondo Finance is set to launch its USDY tokenized Treasury product on Sei, adding to a growing list of supported networks that includes Ethereum, Solana, Mantle, and Sui. According to a press release shared with crypto.news, Ondo Finance’s flagship tokenized…

Author: Crypto.news
Securitize Brings Tokenized Hamilton Lane Credit Fund to Multichain, Adds New Features for DeFi Users

Securitize Brings Tokenized Hamilton Lane Credit Fund to Multichain, Adds New Features for DeFi Users

PANews reported on July 17 that according to CoinDesk, the real-world asset platform Securitize has cooperated with Hamilton Lane, an investment company with a total asset management scale and entrusted

Author: PANews
Trump crypto coin analysis: Bollinger Bands point to a squeeze ahead of unlock

Trump crypto coin analysis: Bollinger Bands point to a squeeze ahead of unlock

Trump crypto coin price underperformed other top Solana meme coins as traders braced for a big token unlock on Friday. Official Trump (TRUMP) was trading at $10.10 on Thursday, a few points above this month’s low of $8.55. It has…

Author: Crypto.news
Sonic unveils Spark, AI tool to build Web3 apps with no code

Sonic unveils Spark, AI tool to build Web3 apps with no code

Sonic hopes its new AI tool will make Web3 development more accessible.

Author: Crypto.news
Gnosis enters U.S. markets through partnership with stablecoin startup Noah

Gnosis enters U.S. markets through partnership with stablecoin startup Noah

Stablecoin-powered finance firm Noah teams up with Web3 infrastructure firm Gnosis to launch USD virtual accounts for stablecoin users in the United States and beyond. According to a press release sent to crypto.news, the strategic partnership offers the German web3…

Author: Crypto.news
Ripple developers propose draft XRPL token metadata standard to improve discoverability and interoperability

Ripple developers propose draft XRPL token metadata standard to improve discoverability and interoperability

PANews reported on July 17 that according to CoinDesk, RippleX developers proposed the metadata standard draft XLS-0089d for multi-purpose tokens (MPT) on XRP Ledger (XRPL). The proposal aims to improve

Author: PANews
WinnerMining launches free cloud mining app with intelligent dual systems

WinnerMining launches free cloud mining app with intelligent dual systems

As crypto adoption accelerates, WinnerMining launches a zero-barrier cloud mining app with support for both mineable and non-mineable assets like BTC, DOGE, XRP, and SOL. #sponsored

Author: Crypto.news
Bloomberg Chief Financial Writer: Why is the stock market willing to pay $2 for $1 worth of cryptocurrency?

Bloomberg Chief Financial Writer: Why is the stock market willing to pay $2 for $1 worth of cryptocurrency?

Original text "Put the Crypto in the Index Funds" Original author: Matt Levine Compiled by: jk, Odaily Planet Daily What strategy did Vanguard adopt? A basic situation today is that

Author: PANews
With social networking, payment, and AI all included, will Base APP become “Alipay on the chain”?

With social networking, payment, and AI all included, will Base APP become “Alipay on the chain”?

Author: Yuliya, PANews The Web3 world has always lacked a true super portal, with users switching between different applications, fragmented experience, and dispersed traffic. However, a most powerful competitor has

Author: PANews