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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.

14103 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Lygos Aims to Banish Ghosts of Past With Non-Custodial Model

Lygos Aims to Banish Ghosts of Past With Non-Custodial Model

The post Lygos Aims to Banish Ghosts of Past With Non-Custodial Model appeared on BitcoinEthereumNews.com. Lygos Finance unveiled what it calls the first truly non-custodial bitcoin BTC$112,757.01-backed lending platform, aiming to transform the crypto credit market with institutional-grade design. The platform is built on Discrete Log Contracts (DLCs) developed by Atomic Finance, which Lygos acquired earlier this year. DLCs enforce bilateral lending agreements directly on Bitcoin’s base layer, with an external oracle attesting to facts like BTC-USD prices, but not controlling the funds. Borrowers and lenders sign Contract Execution Transactions, meaning settlement happens entirely on the Bitcoin blockchain without custodians or smart-contract risk. “True non-custodial means exactly this,” CEO Jay Patel said in an emailed announcement on Thursday. “No participant other than the borrower and lender can move the funds.” Lygos supports up to $100 million, with BTC collateralized in a native 2-of-2 script and USDC/USDT issued on Ethereum. The model avoids wrapped bitcoin or synthetic collateral, keeping custody native on both sides of the transaction. During the 2021 crypto bull market, centralized lenders such as Celsius Network, Voyager Digital and BlockFi drew billions in deposits by promising high yields. But these returns were often built on risky, interconnected loans. The system unraveled in 2022, when the collapse of the Terra-Luna stablecoin and the bankruptcy of hedge fund Three Arrows Capital (3AC) left many of the major lenders exposed. Mass withdrawals followed, forcing firms to freeze assets and file for bankruptcy. Customers lost much of their deposited funds, and the reputation of bitcoin lending took a severe hit. By enforcing agreements directly on the Bitcoin layer 1, Lygos said it can restore confidence with transparent, enforceable contracts and no reliance on custodians. The debut marks a fresh attempt to reimagine bitcoin credit markets, this time with non-custodial rails. Source: https://www.coindesk.com/business/2025/08/27/lygos-aims-to-banish-ghosts-of-crypto-lending-collapse-with-non-custodial-bitcoin-model

Author: BitcoinEthereumNews

2025/08/28

Ripple Expands RLUSD DeFi Utility With Aave Horizon Integration

Ripple Expands RLUSD DeFi Utility With Aave Horizon Integration

The post Ripple Expands RLUSD DeFi Utility With Aave Horizon Integration appeared on BitcoinEthereumNews.com. Key Notes Ripple’s RLUSD has found a crucial role to play in the Aave Horizon Real World Asset (RWA) platform. The stablecoin would ensure that tokenized products are utilized as collateral. RLUSD’s market capitalization is currently pegged at $85.9 million on the XRP Ledger, per data from the XRP market. Ripple’s USD-pegged stablecoin RLUSD has secured a strong position in the Aave Horizon Real World Asset (RWA) platform, which was launched recently by Aave Labs. According to the published statement from the company, RLUSD is joining the project to enable “a new era of efficiency for on-chain finance.” RLUSD in Aave Horizon RWA Market Horizon is a new institutional lending platform by Aave Labs, designed to facilitate the use of tokenized products as collateral. This is another strategy of bridging the gap between Traditional Finance (TradFi) and Decentralized Finance (DeFi) systems. Ripple’s RLUSD has been integrated into this initiative as a very important component. Enabling a new era of efficiency for onchain finance.$RLUSD is a crucial piece of @Aave‘s Horizon platform, allowing tokenized products to be used as collateral and flow more efficiently across markets. https://t.co/KC0D8Wi4zp — Ripple (@Ripple) August 27, 2025 Reece Merrick, Managing Director of Middle East and Africa at Ripple, highlighted this feat, noting that it is “great” to see the stablecoin “play a big role” in Aave Horizon. At the core of RLUSD’s responsibilities is ensuring that tokenized products are utilized as collateral. Moreover, it would allow the free and efficient flow of liquidity across digital markets. Together, Aave and Ripple have lauded the importance of this launch, describing it as a crucial step towards rolling out institutional-grade products into open finance. The Horizon RWA market has gone live on Ethereum, per the announcement made by Aave Labs. As a result, investors can earn yield from…

Author: BitcoinEthereumNews

2025/08/28

Best Crypto to Buy Now While Bitcoin (BTC) is Still Under $120,000

Best Crypto to Buy Now While Bitcoin (BTC) is Still Under $120,000

While Bitcoin (BTC) remains below $120,000, market experts hold their breaths waiting to see where the next big wave will come from. One of the newcomers on the list trending today among investors is Mutuum Finance (MUTM), a rising DeFi protocol. Mutuum Finance stage 6 of presale is now underway at the price of $0.035. […]

Author: Cryptopolitan

2025/08/28

XRP vs LINK: Key Differences

XRP vs LINK: Key Differences

Chainlink and XRP are two well-known cryptocurrencies, but they serve very different purposes in the blockchain world. Chainlink focuses on connecting smart contracts to real-world data using decentralized oracles. XRP aims to provide fast, low-cost international payments by acting as a bridge currency for banks and financial institutions.XRP is best for speedy, affordable cross-border transactions, while Chainlink is key for making smart contracts smarter with real-world information. Investors and users often compare them because they are both big names, but their goals and technology are unique.What Is XRP?XRP is a digital asset used for global payments, designed to let banks and payment providers move money quickly and cheaply across borders. Developed by Ripple Labs, XRP stands out due to its speed, low fees, and focus on financial institutions.Origins and DevelopmentXRP launched in 2012, which makes it one of the older cryptocurrencies on the market. It was created alongside the XRP Ledger, a decentralized blockchain focused on fast and efficient transactions. Ripple Labs, the company behind XRP, built it to solve problems in the existing payment system, like high fees and slow transfer times.The XRP Ledger uses a unique consensus protocol instead of traditional mining. This helps the network process transactions in just a few seconds. Early on, Ripple Labs distributed large amounts of XRP to help grow its adoption, especially among banks and payment companies.The asset was designed to act as a ”bridge currency.” That means it helps transfer value between different currencies, even when there's no direct trading path. Over time, XRP has stayed focused on its original goal: making payments faster and less expensive for the world’s financial sector.Core Functionality in Global PaymentsXRP is built for cross-border payments. Its main use case is to let banks and financial institutions send money to each other around the world without needing pre-funded accounts in every country. This is often called ”real-time gross settlement.”Key advantages of XRP in payments:Transaction Speed: Most transactions settle in 3–5 seconds.Low Fees: Fees are usually a fraction of a cent.Scalability: The network can handle about 1,500 transactions per second.When a bank wants to send money overseas, XRP can be used to convert the currency instantly. The process is automated by the XRP Ledger, which allows for quick settlement without complicated steps or expensive agents. This makes XRP appealing to banks, payment providers, and remittance services that want to cut costs and delays.Role of Ripple LabsRipple Labs is the main company behind XRP's development and growth. The company builds software and products for banks and payment companies, using the XRP Ledger to enable instant transfers. Ripple Labs also works with more than 300 financial institutions worldwide, helping them use blockchain for smoother payments.They promote products like RippleNet and On-Demand Liquidity (ODL). These tools connect banks and payment providers, allowing them to use XRP for instant settlements. Ripple Labs continues to push for wider adoption, focusing on partnerships to get more institutions using its technology.Regulation is another area Ripple Labs deals with. The company often interacts with financial authorities to help clarify how XRP fits into legal frameworks. This helps build trust with financial institutions and supports the broader use of blockchain in traditional finance.What Is Chainlink?Chainlink is a blockchain-based platform that is designed to connect smart contracts with data from the real world through a secure, decentralized system. It uses oracles to provide trusted data feeds and supports a wide range of use cases from finance to gaming.Decentralized Oracle NetworkChainlink is best known as a decentralized oracle network. Its main role is to bridge the gap between blockchain smart contracts and off-chain data sources.Oracles on the Chainlink network are independent entities that provide external data to blockchains. This is important because blockchains alone cannot access outside information like financial market prices, weather results, or sports scores. By tapping into a network of oracles, Chainlink avoids single points of failure, reducing risks of tampering and data manipulation.Each oracle operator must follow strict rules and is often rewarded in LINK tokens for accurate, reliable service. This decentralized approach makes the data trustworthy for smart contracts that depend on it for execution.Chainlink Network ArchitectureThe Chainlink network has several key components working together. At its core, there are smart contracts that request data, oracle nodes that supply the data, and a decentralized system for verifying accuracy.Data requests start with a smart contract on a compatible blockchain, commonly Ethereum. The request is then matched with available nodes on the Chainlink network. These nodes are responsible for gathering data from various sources and delivering it back to the requesting contract.The LINK token is used to pay node operators and incentivize good behavior. Node operators may need to stake LINK tokens as collateral, which can be lost if they provide false or low-quality data. This structure encourages honesty and reliability across the network.Real-World Data IntegrationChainlink allows real-world data integration by making it possible for smart contracts to react to events and information outside the blockchain. Some common examples include accessing stock prices, exchange rates, and weather statistics.Chainlink’s oracles pull data from multiple, verified sources. The results are aggregated and delivered in the form of data feeds, such as price feeds used by DeFi protocols to calculate asset values. These data feeds are critical for lending platforms, decentralized exchanges, and many financial applications on the blockchain.By delivering up-to-date information to smart contracts, Chainlink expands what decentralized applications can do. This capability is essential for creating trustless financial tools, insurance products, and gaming rewards that depend on reliable real-world data.XRP vs LINK Key DifferencesCATEGORYXRPLINKMain PurposeBridge asset for fast, low-cost cross-border payments.Decenralized oracle network connecting smart contracts to real-world data.Blockchain / NetworkRuns on the XRP Ledger.Built primarily on Ethereum and compatable with multiple blockchains.Consensus MechanismXRP Ledger Consensus Protocol (validators agree without mining or PoS/PoW).Relies on the consensus of underlying blockchain.Transaction Speed1,500 TPS, settlement in 3-5 seconds.Depends on host blockchain (Ethereum slower, subject to congestion).Transaction CostFractions of a cent.Varies by blockchain (Ethereum often high, mitigated by L2 solutions).Energy EfficiencyVery high; no mining or heavy computation.Depends on underlying blockchain (now more efficient with Ethereum PoS).SupplyFixed max 100B XRP; 59B circulating.Fixed max 1B LINK; 678M circulatingMarket cap (2025)$176B$16BToken UtilityLiquidity and bridge currency for payments; not stakeable.Payment for oracle services; staked for security and rewards.GovernanceValidator-based consensus; XRP holders don's vote on updates.Node operators chosen by reputation; staking adds security but no formal governance.Institutional Adoption300+ banks and financial institutions for payments and remittances.Widely used in DeFi; integrated across 60+ blockchains.DeFi RoleLimited; basic DEX and assets.Core infrastructure for DeFi; secure price feeds and automation.NFTs and GamingEarly adoption; limited ecosystem.Provides randomness; price feeds, and event verification for NFT and gaming projects.StrengthsFast, cheap, energy-efficient transactions; strong banking partnerships.Dominant oricle provider; essential for DeFi, cross-chain, and real-world asset tokenization.Weaknesses/ ChallengesRegulatory scrutiny; limited beyond payments.Dependent on Ethereum/L1 scalability; fees during congestion.Regulatory OutlookPast SEC legal challenges; Ripple Labs' large holdings raise centralization concerns.Less legal controversy; future complaince needed for financial partnerships.Frequently Asked QuestionsWhat are the primary differences between the use cases of XRP and Chainlink?XRP's main use is for fast and cost-effective cross-border payments. Banks and financial firms use XRP to move money between countries quickly.Chainlink acts as a bridge between blockchains and real-world data. It connects smart contracts to information outside the blockchain, like weather data or market prices.How do the consensus mechanisms of XRP Ledger and Chainlink differ?The XRP Ledger uses a unique consensus protocol called the Ripple Protocol Consensus Algorithm (RPCA). This system allows validators to agree on transactions without needing mining.Chainlink uses a decentralized network of nodes as oracles. These nodes check, collect, and deliver data for smart contracts but do not have a single consensus protocol like XRP Ledger.Can XRP and Chainlink integrate with each other for cross-platform applications?Yes, the functions of XRP and Chainlink can be combined in some blockchain solutions. For example, Chainlink oracles could provide external data to apps that use XRP for payments.Developers may use both platforms to build services that need both payment speed and reliable outside data.What are the advantages of investing in XRP over Chainlink?XRP is aimed at the global payments market, with backing from established financial institutions. It is used for reducing the cost and time of moving funds across borders.For investors interested in markets tied to money transfers and banking, XRP may be more appealing. It is important to consider each token’s risk and regulatory background.How do transaction speeds and costs compare between Chainlink and XRP?XRP is designed to process payments fast, with low fees. Most transactions are confirmed in seconds and cost only a fraction of a cent.Chainlink processes and delivers data rather than direct payments. While its network fees can vary, its core purpose is to keep smart contracts up to date, so the focus is less on payment speed.

Author: Coinstats

2025/08/28

8 High-ROI Tokens in 2025 for Maximum Long-Term Returns

8 High-ROI Tokens in 2025 for Maximum Long-Term Returns

The post 8 High-ROI Tokens in 2025 for Maximum Long-Term Returns appeared on BitcoinEthereumNews.com. Crypto News Can the right meme coin selection in 2025 transform uncertain markets into life-changing opportunities? The surge of community-driven digital assets has proven that humor and culture can carry real financial weight, especially when paired with solid tokenomics and early access. Investors now face the critical question of which tokens may deliver not just buzz but long-term growth. Choosing wisely among the upcoming contenders could be the difference between a fleeting gamble and a calculated strategy for multiplying wealth. In this wave of digital assets, MoonBull Whitelist is live, offering early access to some of the most promising coins. Among the high ROI tokens in 2025, MoonBull ($MOBU), Fartcoin ($FARTCOIN), Pudgy Penguins ($PENGU), Just a Chill Guy ($CHILLGUY), SPX6900 ($SPX), Official Trump ($TRUMP), Official Melania ($MELANIA), and LOFI ($LOFI) are generating attention for their early-stage rewards and unique staking benefits. Whitelisting provides the advantage of securing the lowest entry price, bonus allocations, and exclusive roadmap insights, ensuring early supporters are strategically positioned for potential gains. MoonBull ($MOBU) has ignited enthusiasm across Ethereum communities by launching its whitelist opportunity. Only a limited number of whitelist slots are available, offering unprecedented benefits that position early adopters ahead of the public launch. The whitelist is open on a first-come, first-served basis, which means every second counts. Securing a spot ensures entry at the lowest possible price, exclusive staking rewards, and hidden token allocations that the public will not access. MoonBull’s whitelist acts as a gateway to bonus opportunities and secret roadmap details. Early supporters enjoy privileged entry into Stage One, gaining access to exclusive token drops and hints about upcoming expansions before anyone else. Ethereum integration ensures security, while the design rewards meme coin lovers chasing substantial upside. For those focused on high ROI tokens in 2025, MoonBull’s whitelist represents an exceptional…

Author: BitcoinEthereumNews

2025/08/28

New Institutional Blood for DeFi! AAVE Launches New Platform Supporting Ripple (XRP) and Many Altcoins!

New Institutional Blood for DeFi! AAVE Launches New Platform Supporting Ripple (XRP) and Many Altcoins!

The post New Institutional Blood for DeFi! AAVE Launches New Platform Supporting Ripple (XRP) and Many Altcoins! appeared on BitcoinEthereumNews.com. As innovations continue in the cryptocurrency sector, the latest news comes from Aave Labs. The company behind Aave, the largest lending and borrowing platform in the decentralized finance sector, has officially launched its new enterprise platform, Horizon. According to Coindesk, thanks to Horizon, Aave Labs’ platform designed for enterprise companies, institutions will be able to obtain loans with stablecoins by using real-world assets (such as tokenized U.S. bonds), also known as RWA, as collateral. Initially, institutions will be able to borrow Circle’s USDC, Ripple’s RLUSD, and Aave’s GHO against a range of tokenized assets. The aim of the platform is to provide qualified institutional investors with short-term financing opportunities through RWA assets and enable them to implement return strategies. “Horizon provides the infrastructure and deep stablecoin liquidity institutions need to operate on-chain, unlocking 24/7 access, transparency, and more efficient markets,” Aave Labs founder Stain Kulechov said in a statement. Organizations investing in and supporting Horizon include major companies like Chainlink (LINK), Ethena (ENA), OpenEden, Ripple, Circle, Securitize, VanEck, and WisdomTree. These companies will support and oversee Horizon’s technical infrastructure, liquidity, tokenized assets, and regulatory compliance. *This is not investment advice. Follow our Telegram and Twitter account now for exclusive news, analytics and on-chain data! Source: https://en.bitcoinsistemi.com/new-institutional-blood-for-defi-aave-launches-new-platform-supporting-ripple-xrp-and-many-altcoins/

Author: BitcoinEthereumNews

2025/08/28

Boost Your Crypto Gains: 8 High-ROI Tokens in 2025 for Maximum Long-Term Returns

Boost Your Crypto Gains: 8 High-ROI Tokens in 2025 for Maximum Long-Term Returns

The surge of community-driven digital assets has proven that humor and culture can carry real financial weight, especially when paired […] The post Boost Your Crypto Gains: 8 High-ROI Tokens in 2025 for Maximum Long-Term Returns appeared first on Coindoo.

Author: Coindoo

2025/08/28

Best Crypto To Buy Right Now: Investors Turn To Passive Income Powerhouse LBRETT Over Solana and Cardano

Best Crypto To Buy Right Now: Investors Turn To Passive Income Powerhouse LBRETT Over Solana and Cardano

Layer Brett (LBRETT) fuses meme energy with Ethereum Layer 2 utility. With $1.6M raised, 1,630% APY staking, and $0.005 presale, it’s catching Solana, Cardano eyes.

Author: Blockchainreporter

2025/08/28

Aave Unveils Horizon: Permissioned RWA Market for Institutions

Aave Unveils Horizon: Permissioned RWA Market for Institutions

The post Aave Unveils Horizon: Permissioned RWA Market for Institutions appeared on BitcoinEthereumNews.com. DeFi leader Aave has officially launched Horizon Market. The new platform allows institutional investors to borrow stablecoins using tokenized real-world assets (RWAs) as collateral. The move will unlock significant institutional capital for DeFi. Finally, it addresses long-standing regulatory and compliance hurdles that kept many large players on the sidelines. Horizon: First RWA Market for Institutional Investors Announced via a company blog post on Thursday, Horizon will function as an institutional-grade RWA marketplace. Specifically, it’s a service that allows stablecoins like USDC, GHO, and RLUSD to borrow against traditional financial assets such as US Treasuries, corporate bonds, and money market funds (MMFs). The launch addresses a core challenge for institutional adoption. Most DeFi protocols are open and permissionless. Historically, these characteristics have been incompatible with institutional investors’ stringent internal policies and complex regulatory obligations. Aave emphasized that Horizon provides a compliant infrastructure. The team specially designed this infrastructure to meet institutional requirements for collateralized lending. Consequently, this design enabled on-chain lending against real-world assets to become scalable for the first time. The company explained, “Horizon will operate on a permissioned instance of the Aave V3 protocol.” This ensures that only verified participants can supply RWA collateral. Aave stated the platform will offer institutional clients 24/7 real-time lending with enhanced transparency and efficiency. 24/7 Real-Time Lending Service Industry heavyweights like Centrifuge, Circle, VanEck, WisdomTree, and Ripple have joined the platform as initial partners, specifically taking on the role of early asset suppliers. The first supported collateral assets are institutional-grade MMFs and short-term US Treasury-backed tokens. For example, JAAA (by Centrifuge), USYC (by Circle), and USTB (by Superstate) are the representatives. These tokens represent yields from underlying, low-risk assets like short-term US Treasuries and AAA-rated corporate bonds. Once an institution passes the necessary compliance checks, it can seamlessly borrow stablecoins against this collateral…

Author: BitcoinEthereumNews

2025/08/28

Is Altcoin Season Finally Launching? – Selecting Top Altcoins That Can Moon Your Investment in September Altcoin Euphoria

Is Altcoin Season Finally Launching? – Selecting Top Altcoins That Can Moon Your Investment in September Altcoin Euphoria

Under the surface, selected altcoins are showing strong moves, hinting at bigger trends to come. Which tokens could offer the […] The post Is Altcoin Season Finally Launching? – Selecting Top Altcoins That Can Moon Your Investment in September Altcoin Euphoria appeared first on Coindoo.

Author: Coindoo

2025/08/28

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