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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.

16566 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Farcaster Pivots to Wallet-Driven Model, Potentially Enhancing Ethereum Trading Activity

Farcaster Pivots to Wallet-Driven Model, Potentially Enhancing Ethereum Trading Activity

The post Farcaster Pivots to Wallet-Driven Model, Potentially Enhancing Ethereum Trading Activity appeared on BitcoinEthereumNews.com. Farcaster is pivoting from a social-first strategy to a wallet-driven model to achieve product-market fit, focusing on wallet onboarding and trading features while keeping the protocol decentralized. This shift, announced by co-founder Dan Romero, aims to expand user engagement in decentralized networks. Farcaster’s pivot emphasizes wallet integration over social features to drive growth. The protocol remains open and decentralized, prioritizing user-controlled financial tools. Community reactions highlight concerns about moving away from social networking roots, with potential boosts to Ethereum-based trading volumes. Discover Farcaster’s pivot to a wallet-driven model: from social strategy to trading focus. Learn implications for users and decentralized finance. Stay ahead in crypto trends today. What is Farcaster’s Pivot to a Wallet-Driven Model? Farcaster’s pivot to a wallet-driven model marks a significant strategic shift for the decentralized social protocol, moving away from its four-and-a-half-year emphasis on social networking. Co-founder Dan Romero announced this change to prioritize product-market fit through enhanced wallet features and trading functionalities. The core protocol stays open and decentralized, allowing developers to build on it while the official application adapts to focus on financial tools that attract a broader user base. How Does This Shift Impact Farcaster’s User Engagement? The transition to a wallet-centric approach aims to integrate trading and onboarding directly into the platform, potentially increasing daily active users by simplifying access to decentralized finance (DeFi) activities. According to industry analysts from sources like Messari, similar pivots in protocols have led to a 30-50% uptick in transaction volumes within the first quarter post-announcement. Dan Romero explained, “We are abandoning the ‘social-first’ approach we’ve pursued for about 4–4.5 years to find PMF.” This move could reshape how users interact with Farcaster, blending social elements with practical financial utilities to foster sustained growth. Short sentences highlight the key benefits: easier wallet setup, seamless trading via the…

Author: BitcoinEthereumNews

2025/12/09

SemiLiquid Introduces Programmable Credit Protocol To Transform Institutional Lending On Tokenized Assets

SemiLiquid Introduces Programmable Credit Protocol To Transform Institutional Lending On Tokenized Assets

The post SemiLiquid Introduces Programmable Credit Protocol To Transform Institutional Lending On Tokenized Assets appeared on BitcoinEthereumNews.com. SemiLiquid today announced the global debut of its Programmable Credit Protocol (PCP). This custody-native credit infrastructure enables institutions to unlock credit directly against digital and tokenized assets, without transferring collateral out of custody. The launch took place at Abu Dhabi Finance Week 2025, signaling a major leap forward for the evolving digital capital markets ecosystem. […] Source: https://zycrypto.com/semiliquid-introduces-programmable-credit-protocol-to-transform-institutional-lending-on-tokenized-assets/

Author: BitcoinEthereumNews

2025/12/09

Eight Years of Crypto: From Faith to "Casino"—How Do We Face the Industry's Darkest Hour?

Eight Years of Crypto: From Faith to "Casino"—How Do We Face the Industry's Darkest Hour?

Seeing so many people sharing this post about how I wasted 8 years in Crypto, I feel a deep connection to it, but also think it's overly pessimistic. Here are a few more objective thoughts: 1) I also entered the industry in 2017, which is exactly 8 years. Although there have been ups and downs, I think joining the Crypto field is the biggest opportunity in my life. Whether it is personal growth, wealth accumulation, resources and network accumulation, it far exceeds my experience in the Internet industry for more than 10 years. Related reading: " Aevo Co-founder: I Wasted 8 Years in the Crypto Industry " This is absolutely true, and my gratitude to Crypto will always remain. 2) To be honest, from a purely personal experience perspective, the Crypto industry has matured over the past 8 years, but it has also gotten worse. It has lost the pure cypherpunk spirit of the past, the Holder faith, the motivation to continuously learn and innovate technologies, and the unwavering belief that Crypto will change the Internet in the future. Instead, there is pure PVP gaming and nihilistic financialism. Although it is difficult, disgusting, and frustrating, many people wear masks and pretend to enjoy it all for the sake of "making money". 3) The crypto industry itself is based on "consensus," and the difficulties everyone feels are a direct manifestation of the breakdown of that consensus. But from the beginning when most people believed, to now when only a few people believe, and in the future when most people may leave, all the costs stem from the breakdown of consensus. This is precisely why I repeatedly urge leading exchanges, veteran OGs, outstanding builders, and developers to reunite and collaborate on on-chain innovation. Because constant division and fragmentation, any false prosperity created by short-sightedness, will bring far greater costs, and in the long run, there are no winners. Yes, crypto for good! For everyone's sake. 4) Undoubtedly, we have reached the darkest moment for the crypto industry. Some may disagree, as their obsession with the casino-like state of the industry and individualistic self-interest has overshadowed the industry's growth itself. However, I firmly believe that the majority still hopes for healthy industry growth, orderly market operation, and a respectable environment for making money. Yes, even after seeing through the true nature of casinos, most people still hold the most rosy expectations for them. Pessimists are often right, but optimists are the ones who change the world. I choose to be the one who "still loves the industry after seeing the truth." 5) The biggest paradox in the crypto industry right now is that it's using the most advanced technology to repeat the most primitive financial games. The disconnect between technology and application, and the decoupling of value and price, sounds contradictory, but it's even more ironic. Fortunately, those who joined the Crypto industry earlier without hesitation brought many different things. The DeFi Lego edifice has not yet collapsed, and the collateralized lending and mining gameplay has supported many DeFi Farmers. The NFT, layer 2, and Agent craze has been criticized as a bubble, but it is undeniable that value always settles after each bubble bursts. The crypto industry's unregulated nature gives it a unique advantage in terms of cold starts, trial and error, and iteration in innovative narratives. This gives both speculators and restless innovators a greater chance to seize opportunities. This fundamental characteristic of the crypto industry has never changed. above. I love Crypto because I love its complexity and unpredictability. Those who truly change the world are not those who choose to flee after seeing the truth, but those who choose to stay and fight despite knowing the truth. Let us encourage each other.

Author: PANews

2025/12/09

Shiba Inu Eyes Recovery As This Cheap Crypto Nears Presale Phase 6 Sellout

Shiba Inu Eyes Recovery As This Cheap Crypto Nears Presale Phase 6 Sellout

Shiba Inu is trying to hold gains after reaching a strong level of resistance, sparking new interest in which cryptocurrency to buy today with the overall meme coin resurgence. This is after the positive news about Shibarium adding fully homomorphic encryption support by the first half of 2026, which is expected to enhance privacy during […]

Author: Cryptopolitan

2025/12/09

Strategy’s Michael Saylor Pitches Bitcoin To The Middle East

Strategy’s Michael Saylor Pitches Bitcoin To The Middle East

The post Strategy’s Michael Saylor Pitches Bitcoin To The Middle East appeared on BitcoinEthereumNews.com. Strategy Executive Chairman Michael Saylor said today that he has met with “every sovereign wealth fund in the Middle East,” as he continues to promote Bitcoin-backed financial structures to some of the world’s largest pools of capital. “I’ve been meeting with sovereign wealth funds, banks, fund managers, regulators—about 50 to 100 investors across every jurisdiction,” Saylor said.   Saylor said his message was simple: Bitcoin is digital capital, or digital gold, and digital credit builds on it by stripping out volatility to generate yield—offering cash flow now instead of waiting decades for capital to appreciate. Speaking at the Bitcoin MENA conference, the Strategy founder outlined a framework designed to convert digital capital into credit, arguing that Bitcoin can underpin yield-generating products that outperform traditional fixed income while reducing volatility.  “There is a strategy that exists to convert capital into credit,” Saylor said, describing instruments that could deliver returns well above government bonds or bank deposits. Saylor framed the approach as a multi-layered allocation strategy, ranging from direct exposure to Bitcoin, to Bitcoin-backed credit, and ultimately equity in treasury-focused companies.  He argued that investors uncomfortable with Bitcoin’s price swings could still achieve “two to four times” the yield of traditional credit markets through digital credit products, while more risk-tolerant investors could seek amplified exposure through equity. Saylor: Banks can custody Bitcoin Beyond investment products, Saylor emphasized the role banks could play by custodying Bitcoin and extending credit on top of it.  He said integrating digital capital into regulated banking systems could attract trillions of dollars in global capital, particularly as many major banks still do not support Bitcoin custody or lending. Saylor also pointed to low-yield environments in Japan and Europe as prime targets for adoption.  “I think this is something the Japanese market will really, really like,” he said, referencing demand…

Author: BitcoinEthereumNews

2025/12/09

Crypto Trust Charters: US Comptroller’s Bold Warning to Obstructive Banks

Crypto Trust Charters: US Comptroller’s Bold Warning to Obstructive Banks

BitcoinWorld Crypto Trust Charters: US Comptroller’s Bold Warning to Obstructive Banks In a powerful move that could reshape the financial landscape, the U.S. Comptroller of the Currency has issued a stark warning to traditional banks. Jonathan Gould has criticized the industry for actively blocking cryptocurrency firms from obtaining vital crypto trust charters. This stand challenges the status quo and signals a potential new era of integration […] This post Crypto Trust Charters: US Comptroller’s Bold Warning to Obstructive Banks first appeared on BitcoinWorld.

Author: bitcoinworld

2025/12/09

Strategy’s Michael Saylor Met With Middle East Sovereign Wealth Funds to Pitch Bitcoin-Backed Credit

Strategy’s Michael Saylor Met With Middle East Sovereign Wealth Funds to Pitch Bitcoin-Backed Credit

Bitcoin Magazine Strategy’s Michael Saylor Met With Middle East Sovereign Wealth Funds to Pitch Bitcoin-Backed Credit Strategy’s Michael Saylor claims he met with every Middle East sovereign wealth fund to pitch Bitcoin-backed credit, positioning digital capital as a yield-generating alternative to traditional fixed income. This post Strategy’s Michael Saylor Met With Middle East Sovereign Wealth Funds to Pitch Bitcoin-Backed Credit first appeared on Bitcoin Magazine and is written by Micah Zimmerman.

Author: bitcoinmagazine

2025/12/09

Circle Mints 500M USDC on Solana Network

Circle Mints 500M USDC on Solana Network

The post Circle Mints 500M USDC on Solana Network appeared on BitcoinEthereumNews.com. Key Points: Circle mints 500M USDC on Solana, affecting liquidity. This action impacts USDC trading and Solana DeFi activity. Stablecoin demand shows continued growth on Solana network. On December 8, Circle’s USDC Treasury minted 500 million USDC on the Solana blockchain, significantly impacting the liquidity and DeFi activity on the network. This minting affects Solana’s ecosystem by boosting trading and lending capabilities, potentially influencing its DeFi markets and wider liquidity conditions. Circle Expands Solana Ecosystem with Massive USDC Mint Circle’s USDC Treasury executed two 250 million USDC mints. Circle’s routine issuance supports the Solana ecosystem, enhancing liquidity and enabling more trading and DeFi activities on the network. This action marks another instance of increased stablecoin circulation on a major blockchain. The minting signifies institutional demand, particularly in the DeFi space where USDC plays a crucial role. Analysts observe a stronger trading volume and liquidity, aligning with Circle’s expansion strategy. Market participants expect enhanced collateral and trading functionality for Solana-based protocols. “USDC continues to see growing demand as a regulated dollar digital currency across multiple blockchains, supporting safer and more compliant digital markets.” — Jeremy Allaire, Co-founder & CEO of Circle USDC’s Market Influence and Compliance Growth on Solana Did you know? In 2025, significant USDC mints on Solana often correlate with enhanced trading volumes, showcasing Solana’s growing influence in the DeFi space with faster transaction capabilities and lower fees. USDC currently has a market cap of approximately 78.17 billion dollars, holding a market dominance of 2.53%. The stablecoin’s 24-hour trading volume has surged by 79.33%, as reported by CoinMarketCap, indicating heightened market activity surrounding this mint on December 8, 2025. USDC(USDC), daily chart, screenshot on CoinMarketCap at 18:27 UTC on December 8, 2025. Source: CoinMarketCap Circle’s issuance on Solana aligns with broader trends in regulatory environments favoring compliant stablecoins. Historical…

Author: BitcoinEthereumNews

2025/12/09

Xapo Bank: The Safer and More Profitable Way to Hold Bitcoin

Xapo Bank: The Safer and More Profitable Way to Hold Bitcoin

Modern finance is continuously evolving into the digital space. As more people invest larger sums of money in virtual assets like Bitcoin, they need a bank that can provide greater security and stability between traditional banking and the future of Bitcoin. High-net-worth individuals with significant Bitcoin holdings should not have to juggle between multiple financial […] The post Xapo Bank: The Safer and More Profitable Way to Hold Bitcoin appeared first on TechBullion.

Author: Techbullion

2025/12/09

Why This Top Cryptocurrency Under $0.04 Will Outperform Bitcoin’s (BTC) Recovery Rally

Why This Top Cryptocurrency Under $0.04 Will Outperform Bitcoin’s (BTC) Recovery Rally

Despite the long bitcoin drawdown, large institutions are not holding back on predictions of a strong recovery once the pressure subsides. Analysts at JP Morgan recently reiterated that BTC is due to go to $170,000 in the next six to twelve months based on a volatility based charting model comparison between BTC and gold. Although […]

Author: Cryptopolitan

2025/12/09

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