Opinion
Fully Homomorphic Encryption could unlock trillions in traditional finance for DeFi by enabling private lending, encrypted credit scores and confidential transactions.
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Lending News
Lending is a type of financial relationships between two parties: the lender and the borrower. The lender provides a loan of money or some other item for temporary use while borrower uses the provided loan under the conditions that guarantee its refund. Usually, lending is a services provided by financial establishments, although there is also peer-to-peer — i.e., person-to-person — lending that means that individuals do not use any kind of intermediary. This kind of p2p lending removes the middleman from the process. However, it takes more time and carries more risk. Lately, there has also appeared the possibility of online lending, including Bitcoin lending platforms. As cryptocurrency has grown in terms of price and popularity, Bitcoin lending sites provide more and more services for lending Bitcoin and other cryptocurrency.
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The update promises major changes to improve user experience and introduces a modular design, replacing Aave's monolithic architecture.
7123 - News
The Morpho integration brings DeFi lending directly into Coinbase’s app, giving USDC holders access to onchain yields as stablecoin adoption accelerates.
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DBS, Franklin Templeton and Ripple will offer tokenized trading and lending services on the XRP Ledger to attract institutional investors.
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The 24/7 nature of onchain markets makes spot crypto collateral preferable to lenders than crypto held in investment vehicles like ETFs.
7092 - Newsletter
Gold hits record highs above $3,600 as tokenization brings the metal onchain, raising the question: Is gold the true digital gold?
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South Korea’s Financial Services Commission introduced new rules for crypto lending, banning leveraged loans, capping interest at 20% and restricting use to the top coins.
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DeFi lending is poised to capture more institutional interest as tokenized RWAs are increasingly accepted as collateral for stablecoin loans, according to Binance Research.
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Bitcoin’s daily transaction fees have dropped over 80% since April 2024, raising concerns about long-term network security. BTCfi could offer a way out.
31703 - News
Crypto advocacy groups accuse Wall Street bankers of trying to tilt stablecoin rules in their favor, warning Congress against changes to the GENIUS Act.
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South Korea’s financial regulator ordered crypto exchanges to halt new crypto lending services as thousands of users suffered forced liquidations.
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Blockchain lending company Figure Technology has filed to go public on Nasdaq, days after announcing it had confidentially lodged its application with regulators.
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Bithumb’s new rules slash maximum loan limits by 80% and halve leverage, following regulator scrutiny over high-risk crypto lending products.
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The guidelines are expected to cover leverage limits, user eligibility and risk disclosures for crypto lending activities.
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Twenty One Capital, backed by Cantor Fitzgerald and Tether, may begin issuing US dollar loans using Bitcoin as collateral.
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