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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.

14720 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Early SHIB And PEPE Investors Shift To Pepeto: Is This The Best Crypto To Buy In 2025?

Early SHIB And PEPE Investors Shift To Pepeto: Is This The Best Crypto To Buy In 2025?

Having ridden those waves, many of these holders are now looking for the next big opportunity shifting their capital from […] The post Early SHIB And PEPE Investors Shift To Pepeto: Is This The Best Crypto To Buy In 2025? appeared first on Coindoo.

Author: Coindoo

2025/09/26

Divine raises $6.6M to expand Credit lending protocol

Divine raises $6.6M to expand Credit lending protocol

The post Divine raises $6.6M to expand Credit lending protocol appeared on BitcoinEthereumNews.com. Divine has raised $6.6 million in seed funding to expand Credit, its undercollateralized lending protocol designed for borrowers without access to traditional credit. The round, announced Thursday, was led by venture firm Paradigm with participation from Nascent and angel investors. Credit launched in December 2024 and has since issued more than 175,000 loans to over 100,000 unique borrowers, according to Divine’s announcement. Unlike traditional lenders that require collateral or credit histories, Credit evaluates repayment capacity through borrower behavior. The protocol begins with small loan limits that expand to as much as $1,000 for users who repay on time. If borrowers intend to default, they are incentivized to do so early, reducing systemic risk. Loans are denominated in stablecoins and settled on World Chain. The product is distributed through World MiniApps, which reach more than 15 million human-verified users. Borrowers in countries such as Argentina, Nigeria, and Colombia primarily use the service for everyday expenses including groceries, medicine and utility bills. Interest rates adjust dynamically to cover expected defaults while remaining competitive with local lending options. On the liquidity side, deposits are capped at $2 million as the system scales. Rates rise automatically to attract capital when lending demand outpaces supply and fall when liquidity exceeds demand. Divine said the seed round will fund hiring and technical improvements to make Credit more accessible to first-time users. This is a developing story. This article was generated with the assistance of AI and reviewed by editor Jeffrey Albus before publication. Get the news in your inbox. Explore Blockworks newsletters: Source: https://blockworks.co/news/divine-raises-6-6m-to-expand-credit-lending-protocol

Author: BitcoinEthereumNews

2025/09/26

Ukrainians purchased cryptocurrency for $1 billion in a single year

Ukrainians purchased cryptocurrency for $1 billion in a single year

Within 12 months, Ukrainians spent hundreds of millions of U.S. dollars to acquire cryptocurrency, according to a recent report. The authors of the document, published by a major international development bank, have registered a spike in crypto activity in the war-torn nation. Ukraine branded ‘heavy crypto user’ Cryptocurrency has gained popularity in Ukraine since Russia […]

Author: Cryptopolitan

2025/09/26

Securitize Expands to Sei, Debuting With Apollo’s $112M Tokenized Credit Fund

Securitize Expands to Sei, Debuting With Apollo’s $112M Tokenized Credit Fund

The post Securitize Expands to Sei, Debuting With Apollo’s $112M Tokenized Credit Fund appeared on BitcoinEthereumNews.com. Securitize, a platform for tokenizing real-world assets, is expanding to the Sei blockchain with the tokenized Apollo Diversified Credit Fund (ACRED) the first to debut on the network. The move introduces tokenized private credit to Sei for the first time, the firm said. ACRED, which has $112 million in total value according to RWA.xyz, acts as a feeder into Apollo’s private credit strategy, which includes corporate lending, asset-backed deals and dislocated credit. Only qualified investors can participate, and the tokens are interoperable across blockchains via Wormhole, a cross-chain messaging protocol, allowing easier movement between networks and improving liquidity. Tokenized private credit is part of a broader shift in financial markets in which traditional instruments are represented on blockchain systems to speed up settlements and cut out intermediaries. The real-world asset market is now above $30 billion, RWA.xyz data show. “ACRED’s expansion to Sei further demonstrates how blockchain infrastructure can unlock new pathways for investor participation in private credit and accelerate digital innovation,” said Christine Moy, a partner at Apollo and the head of digital assets, data and AI strategy, in a press release shared with CoinDesk. Other funds will hit Sei in the near future, Securitize said. Securitize has already tokenized over $3 billion in assets, including offerings from BlackRock, KKR, and VanEck, the release said. Source: https://www.coindesk.com/business/2025/09/25/securitize-expands-to-sei-debuting-with-apollo-s-usd112m-tokenized-credit-fund

Author: BitcoinEthereumNews

2025/09/26

XRP Ledger Tops $1B Stablecoin Volume as XRP Eyes Major Breakout

XRP Ledger Tops $1B Stablecoin Volume as XRP Eyes Major Breakout

The post XRP Ledger Tops $1B Stablecoin Volume as XRP Eyes Major Breakout appeared on BitcoinEthereumNews.com. XRPL Breaks into Institutional DeFi’s Top Tier with $1B+ Monthly Stablecoin Volume According to Ripple’s recent report, The Next Phase of Institutional DeFi on XRPL: Credit, Compliance, and Confidentiality, institutional decentralized finance (DeFi) has officially crossed the tipping point, from experimental pilot projects to billion-dollar scale adoption.  The XRP Ledger (XRPL) is emerging as a leading settlement layer for both crypto-native enterprises and regulated financial institutions. Over the last year, XRPL has achieved several key milestones that underscore its growing relevance in institutional-grade DeFi. Most notably, the ledger recorded its first month surpassing $1 billion in stablecoin volume, a threshold that signals deeper liquidity and increasing trust from market participants.  In addition, XRPL has firmly positioned itself among the top 10 blockchains for real-world asset (RWA) tokenization, further validating its infrastructure for bridging traditional finance with blockchain innovation. XRP drives XRPL’s evolution because each feature boosting institutional utility fuels demand and expands real-world use cases, cementing its role as a leading blockchain for finance. Additionally, the XRPL is emerging as a key backbone for two of today’s fastest-growing financial use cases: stablecoin payments and collateral management, with tokenization as its foundation.  What started as a bold vision for regulated, on-chain finance is quickly becoming an industry standard. The next challenge entails scaling XRPL with the right balance of innovation, compliance, and reliability. On the other hand, two key drivers of XRPL’s next institutional DeFi phase include a native lending protocol and privacy-focused zero-knowledge proofs (ZKPs) with accountability. Source: Ripple XRP on the Brink: Sistine Research Signals Major Expansionary Move Ahead On-chain analytics from Sistine Research suggest XRP is poised for a major expansion, as its recurring price compressions, narrowing into tighter ranges, signal an imminent breakout. Source: Sistine Research Presently, XRP is in its third compression cycle since the last…

Author: BitcoinEthereumNews

2025/09/26

U.S. State of Ohio Greenlights Bitcoin Payments as Lawmakers Weigh Crypto Reserve

U.S. State of Ohio Greenlights Bitcoin Payments as Lawmakers Weigh Crypto Reserve

The post U.S. State of Ohio Greenlights Bitcoin Payments as Lawmakers Weigh Crypto Reserve appeared on BitcoinEthereumNews.com. BitcoinRegulations 25 September 2025 | 19:00 Ohio is emerging as one of the most aggressive U.S. states in adopting digital assets, blending policy, payments, and long-term investment strategy. The latest milestone came this week when the state’s Board of Deposit cleared a vendor to handle cryptocurrency payments for public fees and services, opening the door for residents to pay in Bitcoin and other digital assets. Secretary of State Frank LaRose, who has been lobbying for the change since spring, called it a bold step toward keeping Ohio competitive. He noted that his office processes hundreds of thousands of transactions annually and said demand for a crypto option has been building steadily. “We’re ready to be first,” LaRose said, framing the initiative as part of a wider effort to attract businesses and modernize public finance. The payments rollout comes alongside a flurry of legislative activity. House Bill 116, passed earlier this month, trimmed tax burdens on crypto owners, while the Blockchain Basics Act aims to prevent local governments from restricting digital asset use. Together, the measures are designed to normalize everyday crypto transactions across the state. Perhaps the most closely watched debate centers on House Bill 18 – the Ohio Strategic Cryptocurrency Reserve Act. Sponsored by Rep. Steve Demetriou, it would authorize the state treasurer to allocate up to 10% of certain funds into leading cryptocurrencies such as Bitcoin. If adopted, Ohio would be among the first states to formally establish a Bitcoin reserve. Nationally, the idea is catching on. Nearly every U.S. state has introduced some form of strategic reserve proposal, with Arizona, Texas, and New Hampshire leading the charge. Michigan, after months of inaction, recently advanced its own legislation. Advocates like the Satoshi Action Fund’s Dennis Porter say these moves signal a shift in how governments view digital assets…

Author: BitcoinEthereumNews

2025/09/26

How to Earn Passive Income With Cloud Bitcoin Mining in 2025 – CryptoNinjas

How to Earn Passive Income With Cloud Bitcoin Mining in 2025 – CryptoNinjas

The post How to Earn Passive Income With Cloud Bitcoin Mining in 2025 – CryptoNinjas appeared on BitcoinEthereumNews.com. For many investors in 2025, passive income from cryptocurrency has become a priority. Traditional banking products are struggling to keep up with inflation, and stocks remain volatile. That’s why cloud Bitcoin mining stands out as one of the most attractive ways to generate steady returns. The concept is simple: instead of running noisy, expensive rigs at home, you rent hash power from providers who manage the hardware and infrastructure. Yet, not all cloud mining platforms are equal. Some focus on profitability, others on user-friendliness, and a few on long-term transparency. In this balanced review, we’ll compare the most popular platforms — with ETNCrypto leading the way as the #1 choice for miners who want stability, efficiency, and trustworthy contracts. Why ETNCrypto is the #1 Choice ETNCrypto continues to dominate the cloud mining market in 2025. The platform is designed for both beginners and advanced miners, offering transparent pricing, optimized hash power contracts, and an easy-to-use dashboard. Unlike many competitors, ETNCrypto reinvests in renewable energy partnerships to keep costs low and sustainability high. What sets ETNCrypto apart is its profit-stability guarantee. Contracts are backed by real-time performance monitoring and payout tracking, ensuring investors receive predictable returns. Additionally, the platform offers a variety of Bitcoin-focused packages tailored for short-term traders, long-term holders, and even institutional investors. 👉 Try ETNCrypto today to see why it remains the top passive income choice in 2025. ETNCrypto Mining Rig Table Platform Features Profitability Fees Ease of Use Best For ETNCrypto Cloud mining, renewable energy, profit-stability guarantee High Low Very Easy Beginners & pros Cleanspark Owns U.S. mining facilities Medium Medium Moderate Equity-focused investors Quantumcloud GPU sharing network Low-Medium Low Moderate Gamers with spare power Easyminer.net Open-source mining software Variable None Complex DIY miners BitFuFu Global contracts, large scale High Medium Easy High-budget miners StormGain Trading +…

Author: BitcoinEthereumNews

2025/09/26

Top 3 Best Cryptos to Buy Positioned for Long-Term Growth

Top 3 Best Cryptos to Buy Positioned for Long-Term Growth

As crypto gains mass adoption, investors are looking for top buys for long term returns. Solana (SOL) still provides quick transaction times and growing developer activity, and Ripple (XRP) remains a leading player in the cross-border payments space. Both tokens have positioned themselves as anchor altcoins entering the next cycle. Among newer projects, however, Mutuum […]

Author: Cryptopolitan

2025/09/26

AI-Powered Smart Contracts: The Future of Blockchain

AI-Powered Smart Contracts: The Future of Blockchain

AI-Powered Smart Contracts: The Future of Blockchain Blockchain technology has revolutionized the way businesses and individuals execute digital transactions. Among its most groundbreaking innovations are smart contracts — self-executing digital agreements that automatically enforce the terms encoded within them. While traditional smart contracts have already transformed industries like finance and supply chain, the integration of artificial intelligence is pushing this technology into a new era. AI-Powered Smart Contracts are now redefining how agreements are executed, optimized, and secured, offering unprecedented efficiency, trust, and automation. This article delves into the evolution, applications, and future potential of AI-Powered Smart Contracts, highlighting how AI-driven smart contracts are reshaping blockchain ecosystems. What Are AI-Powered Smart Contracts? AI-Powered Smart Contracts are digital agreements that leverage artificial intelligence to enhance the capabilities of traditional smart contracts. Unlike conventional smart contracts, which follow pre-defined rules, AI-powered versions can analyze complex datasets, adapt to changing conditions, and execute decisions autonomously. This innovation introduces a layer of intelligence, enabling contracts to manage more dynamic, sophisticated, and context-aware interactions. Key features include:Autonomous contract execution based on real-time data Integration with AI blockchain automation tools Ability to create intelligent legal agreements that understand context By combining AI and blockchain, these contracts offer higher efficiency, lower operational costs, and greater security. How AI-Driven Smart Contracts Work? At their core, AI-driven smart contracts operate on blockchain networks, ensuring immutability, transparency, and decentralization. The AI component analyzes historical and real-time data to make informed decisions, automate processes, and predict potential issues before they occur. For example, in a supply chain scenario, AI can monitor shipment data and automatically release payments only when delivery conditions are met. This combination of blockchain’s trustless environment and AI’s decision-making capabilities enables self-executing digital contracts to operate seamlessly without human intervention. Key Advantages of AI-Powered Smart Contracts The integration of AI into smart contracts provides numerous benefits across industries:

  1. Autonomous Contract ExecutionAutonomous contract execution allows agreements to be carried out automatically when pre-defined conditions are met. This cuts out intermediaries and reduces potential human errors.
  2. Smart Contract OptimizationSmart contract optimization is achieved through AI algorithms that continuously analyze performance, identify inefficiencies, and suggest improvements. This ensures contracts remain effective and adaptive to changing conditions.
  3. AI-Driven Decentralized Finance (DeFi)In AI-driven decentralized finance (DeFi) platforms, AI-powered contracts can manage lending, borrowing, and trading activities automatically. By predicting market trends and adjusting terms dynamically, these contracts maximize returns while minimizing risk.
  4. Predictive Analytics in Smart ContractsUsing predictive analytics in smart contracts, AI can forecast potential breaches, defaults, or disputes. This foresight enables proactive measures, improving reliability and reducing operational disruptions.
  5. AI Trustless TransactionsAI trustless transactions combine blockchain’s security with AI’s intelligence, allowing secure, verifiable, and automated transactions without the need for centralized authorities.
  6. Automated Dispute Resolution with AIAutomated dispute resolution with AI enables contracts to assess conflicts, evaluate evidence, and propose resolutions autonomously. This reduces legal costs and accelerates conflict resolution.
  7. Intelligent Legal AgreementsAI transforms standard agreements into intelligent legal agreements capable of interpreting complex terms and adapting clauses based on context, making them more versatile and reliable. Applications Across Industries
  8. Finance and BankingIn finance, AI-powered smart contracts streamline processes such as loans, insurance claims, and securities trading. They enable self-executing digital contracts that automate payments, risk assessments, and compliance checks. By leveraging predictive analytics, banks can anticipate defaults and adjust contract terms proactively.
  9. Supply Chain ManagementAI-driven contracts monitor supply chains in real time, ensuring transparency and accountability. Autonomous contract execution releases payments automatically when shipments are delivered and verified, reducing fraud and delays.
  10. Legal and ComplianceLaw firms and enterprises use intelligent legal agreements to automate contract drafting, review, and enforcement. Automated dispute resolution with AI accelerates litigation processes and reduces human workload.
  11. Real EstateProperty transactions benefit from AI blockchain automation, enabling trustless transactions, automated escrow management, and predictive risk analysis for buyers and sellers.
  12. HealthcareIn healthcare, AI-powered contracts facilitate patient data sharing, insurance claim processing, and service-level agreements. They ensure compliance while maintaining security and privacy. AI Blockchain Integration: Enhancing Smart Contracts Blockchain AI integration combines the immutability and decentralization of blockchain with the intelligence and adaptability of AI. This integration enables: Real-time data analysis for contract execution Continuous optimization and error detection Adaptive contracts that learn and evolve over time This synergy ensures that AI-powered smart contracts are not only secure but also smarter, more responsive, and capable of handling complex business scenarios. Challenges and Considerations While AI-powered smart contracts offer significant advantages, there are challenges to address: Data Quality: AI algorithms require accurate and high-quality data for decision-making. Poor data can lead to incorrect execution. Complexity: Integrating AI into smart contracts requires sophisticated programming and expertise in both blockchain and AI. Regulatory Compliance: Legal frameworks for AI-driven contracts are still evolving, making compliance a critical consideration. Security: While blockchain ensures immutability, AI components can be vulnerable if not properly secured. Addressing these challenges is essential for the successful deployment of AI-powered smart contracts. Future of AI-Powered Smart Contracts The future of blockchain is inseparable from AI. Innovations in machine learning, natural language processing, and predictive analytics will make AI-powered smart contracts more intelligent, adaptive, and efficient. Future developments may include: Fully autonomous AI-driven smart contracts capable of handling complex multi-party agreements Integration with IoT devices for real-time, automated decision-making Enhanced AI algorithms for smart contract optimization and risk mitigation Broader adoption in industries like logistics, healthcare, finance, and legal services As adoption grows, businesses that leverage these technologies will gain a competitive edge by reducing costs, increasing efficiency, and improving trust. Conclusion AI-powered smart contracts represent the next frontier of blockchain innovation. By combining the transparency and security of blockchain with the intelligence of AI, businesses can achieve autonomous contract execution, smart contract optimization, and AI-driven decentralized finance (DeFi). These contracts facilitate self-executing digital contracts, predictive analytics, AI trustless transactions, and automated dispute resolution with AI, transforming industries from finance to supply chain management. The integration of AI and blockchain is no longer a futuristic concept — it is happening now, offering intelligent legal agreements, faster execution, and smarter, adaptive contracts. For businesses seeking efficiency, security, and innovation, AI-powered smart contracts are the ultimate solution to reshape the future of digital agreements.
AI-Powered Smart Contracts: The Future of Blockchain was originally published in Coinmonks on Medium, where people are continuing the conversation by highlighting and responding to this story

Author: Medium

2025/09/26

CleanSpark secures second BTC-backed credit line this week without share dilution

CleanSpark secures second BTC-backed credit line this week without share dilution

                                                                               The new $100 million facility with Two Prime boosts CleanSpark’s total borrowing capacity to $400 million, fueling data center and hashrate expansion plans.                     Bitcoin mining company CleanSpark secured its second $100 million credit line this week without issuing new shares, highlighting the growing role of digital assets as collateral in mainstream finance.The latest facility, disclosed Thursday, was arranged with Two Prime, an institutional Bitcoin (BTC) yield platform, and is backed entirely by CleanSpark’s Bitcoin treasury. With this agreement, CleanSpark’s total collateralized lending capacity is now $400 million.The non-dilutive nature of the financing is particularly notable. Public companies often raise growth capital through equity offerings, which can dilute existing shareholders’ stakes. By using its nearly 13,000 BTC holdings as collateral instead, CleanSpark gains access to liquidity while preserving shareholder value.Read more

Author: Coinstats

2025/09/26

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