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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.

14938 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Blockchain Set to Revolutionize Global Credit Markets, According to Bernstein

Blockchain Set to Revolutionize Global Credit Markets, According to Bernstein

The post Blockchain Set to Revolutionize Global Credit Markets, According to Bernstein appeared on BitcoinEthereumNews.com. Blockchain A major Wall Street endorsement has put Figure Technology Solutions in the spotlight. Analysts at Bernstein have labeled the company a rising force in blockchain-based finance, predicting its innovative model could fundamentally reshape how traditional loans and assets are traded. Instead of describing Figure as just another fintech firm, Bernstein’s research team positioned it as an architect of a new financial infrastructure – one designed to bring traditional credit and asset markets onto the blockchain. Their analysis values the company’s shares at $54, suggesting substantial upside from current levels. Reimagining the credit market Figure’s technology doesn’t just automate lending; it rebuilds it from the ground up. Through its Provenance blockchain, the company turns conventional loans into tradable digital instruments, eliminating intermediaries and drastically reducing costs. Bernstein estimates the firm already dominates the emerging tokenized loan sector, accounting for roughly three-quarters of the $17 billion market. The analysts compared this shift to what stablecoins did for payments: transforming how money moves globally. In Figure’s case, the change could apply to debt, credit, and eventually even equities – unlocking speed, transparency, and liquidity in markets that traditionally move slowly and expensively. A fintech with Wall Street ambitions Founded by SoFi co-founder Mike Cagney, Figure went public in September with a valuation above $7 billion. Since its debut, the company’s stock has climbed from $36 to over $41, with analysts arguing it could become one of the first large-scale examples of blockchain utility in consumer finance. Beyond home equity loans – where Figure already controls 13% of the non-bank market – the firm plans to extend its blockchain model to auto loans, small business financing, and securitized products. Bernstein projects that as the company expands its “Figure Connect” marketplace, annual revenue could more than double by 2027, while profit margins strengthen dramatically.…

Author: BitcoinEthereumNews

2025/10/07

Fluid starts a buyback to create an on-chain reserve of FLUID tokens. 100% of the Ethereum mainnet revenue in the first month will be used for buybacks.

Fluid starts a buyback to create an on-chain reserve of FLUID tokens. 100% of the Ethereum mainnet revenue in the first month will be used for buybacks.

PANews reported on October 7th that the lending protocol Fluid announced the creation of an on-chain reserve of FLUID tokens to guide its buyback and growth strategy. The team is developing a dedicated buyback and tracking system to determine the optimal percentage of protocol revenue allocated to buybacks. During this period, the DAO will adopt a transitional approach, allocating 100% of Ethereum mainnet revenue to buybacks in the first month (approximately $1.7 million at current levels). Buybacks officially began in the first week of October.

Author: PANews

2025/10/07

Galaxy Launches Retail Trading Platform with 8% Yield in Robinhood Challenge

Galaxy Launches Retail Trading Platform with 8% Yield in Robinhood Challenge

GalaxyOne offers crypto, equities and high-yield cash accounts as institutional players target retail market

Author: Blockhead

2025/10/07

Figure (FIGR) Gets Mixed Wall Street Debut as KBW, BofA Diverge on Outlook

Figure (FIGR) Gets Mixed Wall Street Debut as KBW, BofA Diverge on Outlook

The post Figure (FIGR) Gets Mixed Wall Street Debut as KBW, BofA Diverge on Outlook appeared on BitcoinEthereumNews.com. Two major Wall Street investment banks have issued differing views on the newly public fintech firm Figure (FIGR), as the company works to expand its blockchain-based lending and capital markets platform beyond home equity lines of credit. Keefe, Bruyette & Woods (KBW) initiated coverage of Figure with an “outperform” rating and a 12-month price target of $48.50, suggesting 17.5% upside. The bank praised Figure’s early dominance in tokenized credit markets, where it holds 73% of the private credit segment and 39% of all tokenized real-world assets, according to KBW’s estimates. Founded by former SoFi CEO Mike Cagney, Figure went public in September and has climbed 12% since its IPO. Its core business tokenizes HELOCs and connects borrowers to investors through a vertically integrated platform that includes loan origination, distribution and a digital asset marketplace. KBW sees Figure’s tech stack as underutilized and capable of supporting a wider range of credit assets, such as first-lien mortgages and personal loans. It also pointed to upside from products like Figure Exchange and a tokenization tool for third-party assets. Another broker, Bernstein, earlier initiated coverage on the stock with a more upbeat outlook. It rates Figure as an “outperform” with $54 price target, citing that the firm is doing for lending what stablecoins did for payments, tokenizing traditional assets to make markets faster and more efficient. Read more: Figure Is a Blockchain Pioneer in Credit Markets, Says Bernstein, Initiating at Outperform The flipside Bank of America, however, took a more cautious view. It initiated coverage with a “neutral” rating and a $41 price target, citing risks around execution, regulation and Figure’s dependence on its HELOC business, which still generates most of its profits and is not yet fully blockchain-native. BofA sees Figure Connect — a new marketplace that helps lenders match with capital providers…

Author: BitcoinEthereumNews

2025/10/07

Zac Prince Leading Mike Novogratz’s Galaxy One

Zac Prince Leading Mike Novogratz’s Galaxy One

The post Zac Prince Leading Mike Novogratz’s Galaxy One appeared on BitcoinEthereumNews.com. Zac Prince, the former chief executive and co-founder of collapsed crypto lender BlockFi Inc., is back in the digital asset industry as the head of Galaxy Digital’s new banking platform, Galaxy One. The move marks Prince’s return to a leadership role less than three years after BlockFi’s bankruptcy, which followed the implosion of crypto exchange FTX. Galaxy hired Prince earlier this year to oversee Galaxy One, which launched today and allows users to earn yield on cash deposits and trade both cryptocurrencies and traditional equities. The appointment places Prince at the center of another effort to merge crypto services with mainstream finance but this time, under markedly different conditions. In an interview with Bloomberg, Prince said his personal risk appetite is “more conservative” after what he experienced with BlockFi. He described Galaxy as “night and day in terms of the differences in the setup and the risk appetite and the regulatory structures of the businesses.” BlockFi became a symbol of crypto’s lending boom and bust. The company drew users by offering interest accounts with returns as high as 9.5%, before collapsing when FTX’s failure left it short of liquidity. In its early days, the company raised funding from the top investment firms, including Peter Thiel’s Valar Ventures as well as Galaxy Digital, which led a hefty $52.5 million round in July 2018. In 2022, after the collapse of FTX, the U.S. Securities and Exchange Commission charged BlockFi with failing to register its lending product and misleading clients about risks. The firm later settled the case, paying $100 million in penalties. For Galaxy, led by investor Mike Novogratz, Galaxy One represents an expansion into consumer-focused financial products. The platform’s mix of traditional and digital asset services aims to meet a market that has grown more cautious and more regulated since the…

Author: BitcoinEthereumNews

2025/10/07

USD.AI will increase the autoUSDai cap by $100 million to support USDai exchange rate stability

USD.AI will increase the autoUSDai cap by $100 million to support USDai exchange rate stability

PANews reported on October 7th that USD.AI, a stablecoin protocol providing credit for AI, announced that it would increase the autoUSDai cap by $100 million at 0:00 AM Beijing time on October 9th to support the orderly liquidation of USDT0 positions in the Euler Frontier USDai market. USD.AI stated that this cap increase was a targeted stabilization measure, not a routine cap increase. Demand for USDai has already pushed the exchange rate to $1.06. Yesterday, Euler Finance suspended USDai lending on Plasma. The USDai market will begin partial repayments tomorrow, with LTVs beginning to decline on Wednesday. All open USDai borrowed positions must be repaid and closed promptly. All new USDC deposits will be directly transferred to autoUSDai on Arbitrum, where they will receive a 25x points multiplier for 30 days. Additionally, starting today, USD.AI will reduce the AlloGam multiplier for all non-aligned pools from 10x to 3x, protecting the USDai peg and rewarding those who help stabilize the system.

Author: PANews

2025/10/07

Russia Wants Answers: Central Bank To Track Every Crypto Ruble

Russia Wants Answers: Central Bank To Track Every Crypto Ruble

According to reports, the Bank of Russia is planning a large-scale audit of the nation’s cryptocurrency holdings and activity in early 2026. Related Reading: A New Era Of Fair Finance? GENIUS Act, Stablecoins Could End Bank Exploitation, Expert Says The review is described as a broad check that would gather data from banks, crypto firms, […]

Author: Bitcoinist

2025/10/07

Crypto’s Meteoric Rise Could Make Or Break Africa

Crypto’s Meteoric Rise Could Make Or Break Africa

The post Crypto’s Meteoric Rise Could Make Or Break Africa appeared on BitcoinEthereumNews.com. Opinion by: Ure Utah, technical advisor to Nigeria’s minister of innovation With the value of digital currencies surging close to $4 trillion, the world is rushing to cash in. While Elon Musk’s Dogecoin (DOGE) and the US president’s Official Trump (TRUMP) coin grab headlines, Africa sits at the frontline of this worldwide financial upheaval. This is a crucial point. Unless African leaders act to regulate or harness crypto, what happens next will determine whether the continent’s 1.55 billion inhabitants build greater sovereignty over their future or usher in a new era of financial instability. The opportunities are vast. Leveraging crypto would unlock new pools of capital, reroute remittance flows and potentially reshape the entire sovereign debt market. African governments owe the International Monetary Fund (IMF) $42.2 billion — a third of the organization’s outstanding credit. Egypt alone owes a staggering $7.42 billion. These debts strain national budgets and hinder growth projects.  The high-risk gamble The risks are, however, stratospheric. Widespread adoption of stablecoins could drain deposits from local bank branches, destabilizing the monetary control of central banks. Africa’s most fragile currencies — like those of Sierra Leone, Uganda and Guinea — could buckle under this kind of volatility. Cryptocurrency claims to democratize. As with every disruptive technology absorbed into global capitalism, however, it promises inclusion while reinforcing exclusion. We already see it making the rich richer. The African risk rating In Africa, the stakes are high. The population is young, and some African economies — like oil-rich Niger and Senegal — are among the fastest growing. Still, weak regulation and relatively low levels of financial literacy mean that communities least able to absorb losses are also the most exposed. If remittance flows — worth more than $95 billion annually to Africa — migrate onto blockchain rails, traditional banks and regulators…

Author: BitcoinEthereumNews

2025/10/07

Figure Technologies' stock price could rise more than 30%, Bernstein analyst predicts

Figure Technologies' stock price could rise more than 30%, Bernstein analyst predicts

PANews reported on October 7 that Bernstein analysts predicted that the stock price of blockchain lending company Figure Technologies will rise by more than 30%. The company landed on the public market in September with an initial public offering (IPO) stock code of FIGR and an issue price of US$25 per share. The stock is up about 6.5% today and is currently trading at $42.71. Bernstein has set a price target of $54 for the stock.

Author: PANews

2025/10/07

DOGE Holds Firm, PEPE Pulls Back, But AlphaPepe’s Presale Momentum Crowns It Among the Top New Crypto Coins to Invest in 2025

DOGE Holds Firm, PEPE Pulls Back, But AlphaPepe’s Presale Momentum Crowns It Among the Top New Crypto Coins to Invest in 2025

While older names consolidate, AlphaPepe’s presale momentum and rapid community growth have positioned it among the top new crypto coins […] The post DOGE Holds Firm, PEPE Pulls Back, But AlphaPepe’s Presale Momentum Crowns It Among the Top New Crypto Coins to Invest in 2025 appeared first on Coindoo.

Author: Coindoo

2025/10/07

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