Lending & Borrowing
29 stories
XRP Ledger Upgrade Forces Outdated Servers to Update or Disconnect
A major XRP Ledger protocol update has gone live, enforcing new transaction rules and putting non-updated servers at risk of being blocked as the network prepares for a future lending protocol rollout.
Aave Borrow Rate Hike Squeezes Ethena USDe Yield Loops
Aave faces mounting pressure as LlamaRisk pushes to raise USDe borrowing rates across five major markets, threatening the profitability of leveraged sUSDe yield strategies and exposing users to negative returns.
Tether pushes USDT into private credit as defaults climb
Tether is moving USDT-backed financing into the $3 trillion private credit market through a new fund with Fasanara Capital, entering a sector facing rising defaults and investor redemption pressure
Bitcoin Holders Face New Risks When Borrowing Without Selling
Bitcoin owners can now access loans without selling their BTC by using custodial tokens on other blockchains. But this approach exposes users to new risks, including reliance on custodians, redemption restrictions, and potential liquidation if prices fall
Moonwell Bad Debt Plan Cuts Interest but USDC Withdrawals Still Frozen
Moonwell's new proposal could sharply reduce interest on bad debt, but users with USDC deposits remain unable to withdraw funds as the protocol weighs further risk and recovery steps
Aave V4 Proposal Arms Risk Stewards With One Way Emergency Freeze
Aave DAO is voting on a plan to let Risk Stewards freeze markets instantly in emergencies but not unfreeze them without further approval, raising new questions about protocol control and accountability for users and developers
Teller and Debit AI Reshape Crypto Lending With No Collateral Option
Teller's decentralized protocol and Debit's AI-powered interface now let users pre-qualify for unsecured cash loans or borrow against crypto and tokenized stocks without margin calls, but the model introduces new risks and regulatory questions for U.S. users
Gate Earn's Staking Choices: What Crypto Holders Need to Know Now
Gate Earn users face a maze of staking and lending options, each with distinct liquidity, lock-up, and risk profiles. Understanding the real differences between on-chain staking, lending, and automated yield is critical before committing assets.
Sber Eyes USDT and ETH as Loan Collateral Amid Regulatory Shift
Russia's largest bank is preparing to accept USDT and ETH as collateral for crypto-backed loans, but the rollout depends on regulatory approval and comes as Sber questions demand for the digital ruble
DeFi Lenders Tectonic and Moonwell Hit by $83M Price Manipulation Attacks
Two decentralized lending protocols, Tectonic and Moonwell, suffered over $83 million in losses after attackers exploited thinly traded tokens to inflate collateral values and drain liquid assets
Bitcoin-Backed Down Payments Arrive With New Mortgage Option
Better Mortgage and Coinbase now let U.S. homebuyers use up to $250,000 in Bitcoin as collateral for a down payment loan, sidestepping margin calls from price swings but exposing borrowers to liquidation if payments are missed
Coinbase Stock Tokens Show Thin Weekend Liquidity as Wall Street Closes
Coinbase's tokenized Apple, Alphabet, Meta, and Nvidia shares traded with minimal price movement over the weekend, exposing limited liquidity and the absence of live Aave lending markets when U.S. equity markets are offline
Evernorth's Nasdaq Bid Tests XRP Per Share Growth Ambitions
Evernorth Holdings faces a pivotal shareholder vote on a Nasdaq merger that would authorize up to 10 billion shares, challenging the company to grow XRP per share through capital raises and yield strategies while managing dilution risk
Moonwell Leaves $1.8M cbETH Liquidity Gap Unaddressed in New Plan
Moonwell's latest reserve allocation leaves a $1.77 million cbETH shortfall unresolved, keeping liquidity negative and preventing suppliers from withdrawing funds as the protocol faces ongoing fallout from a February oracle error
Hyperscale Data Sells Bitcoin to Repay DeFi Loans, Faces Liquidity Gap
Hyperscale Data has liquidated 686 Bitcoin to eliminate its DeFi loan exposure on Morpho, but the company warns its remaining cash is not enough to fund operations and capital needs for the next year
SOL Strategies Faces Treasury Strain as DeFi Loan Locks Up Assets
SOL Strategies may be forced to sell Solana holdings after pledging over half its treasury as collateral for a DeFi loan, leaving limited liquid assets to cover millions in short-term liabilities
OCC Approves Trump-Linked DeFi Bank as $112M WLFI Debt Nears Liquidation
World Liberty Financial, tied to Donald Trump, has received OCC approval to form a national trust bank for its USD1 stablecoin, even as a $112 million DeFi loan backed by WLFI tokens faces mounting liquidation risk on Dolomite.
How Morpho Blue and CoinMarketCap API Power Smarter DeFi Lending
Developers are combining Morpho Blue's on-chain lending with CoinMarketCap's off-chain data to build rate optimizers that weigh yield, liquidity, volatility, and market regime-moving beyond simply chasing the highest APY in DeFi lending.
Bit Digital Pledges Most Staked Ethereum as Loan Collateral With 24-Hour Risk
Bit Digital has pledged 74% of its staked Ethereum as collateral for a $50 million loan, exposing its treasury to rapid margin calls and making its crypto reserves a key part of a complex funding chain
Figure Technology Revenue Doubles as Blockchain Loan Volume Soars
Figure Technology Solutions posted $226M in Q2 revenue, driven by a 132% jump in blockchain-based loan marketplace volume and expanded partnerships with lenders and fintechs
Tether's Alloy Shutdown Leaves $50M in Gold-Backed Debt Unresolved
Tether is closing its Alloy platform, putting nearly $50 million in gold-backed stablecoin debt at risk for users who miss the September 17 deadline to reclaim collateral. Only five open positions remain, but recovery options are unclear.
Wall Street's $7B Tokenized Funds See Minimal DeFi Adoption
Despite Wall Street pouring billions into tokenized funds, less than 1% of these assets are actively used in DeFi protocols, raising questions about composability, security, and the future of real-world asset integration
SUI Group Locks 6 Million SUI in Uncollateralized Loan as NAV Gap Widens
SUI Group Holdings has lent 6 million SUI tokens to Bluefin Markets under an uncollateralized deal, tying up assets until 2028 and exposing the company to counterparty risk as its shares trade at a steep discount to net asset value
Tokenized Real-World Asset Deposits Surge as DeFi Activity Drops
Tokenized real-world asset deposits on DeFi platforms have tripled to $7.4 billion in a year, even as overall DeFi deposits fell, according to new research from CoinShares and Token Terminal
Ethereum Reward Cut Proposal Threatens DeFi Leverage Strategies
A proposed 54% reduction in Ethereum staking rewards could disrupt leveraged DeFi strategies, force repricing across liquid staking tokens, and reduce demand for ETH borrowing, raising new risks for users and protocols
SEC Peirce Warns On-Chain Vaults May Be Securities
SEC Commissioner Hester Peirce says blockchain vaults and lending strategies can still qualify as securities, putting $8.6 billion across 788 curated vaults under closer federal review
ivault Brings Blockchain Verification to Peer-to-Peer Rentals
Swiss-based ivault is using blockchain to verify item rentals and sales, aiming to reduce data exposure and improve user control. The platform's dual-chain structure and non-custodial wallet target privacy and sustainability in asset sharing.
SEC Flags Human-Controlled DeFi Vaults for Potential Scrutiny
Crypto yield vaults with human-managed strategies, like Morpho Vault V2, may face increased SEC attention as regulators examine whether such oversight constitutes financial management under U.S. securities law
Tokenized Cows in Brazil Hint at New Path for Global Farm Credit
A pilot in Brazil used tokenized dairy cows as loan collateral, raising questions about whether blockchain-based livestock identity could help close the $8 trillion global credit gap for small farmers lacking land titles