lending

ChianCatcher news, Ethena announced a partnership with digital asset prime broker FalconX, becoming its institutional lending partner. As part of the collaboration, Ethena will include stablecoin lending arrangements as part of its institutional lending configuration, investing in FalconX through over-collateralization.FalconX can use this to expand its balance sheet, while Ethena benefits from FalconX's expertise in loan origination and secured lending, thus obtaining risk-adjusted terms superior to other channels.

EtherFi announced that the existing lending infrastructure of EtherFi Cash can no longer meet development needs. A dedicated Aave V4 instance is currently being deployed on the Optimism chain to support the credit card backend.EtherFi Cash currently has an active loan amount of 22 million USD, and it is expected that the lending capacity will reach 500 million USD by 2027. There are already 70,000 cardholders using cryptocurrency for consumption without the need to sell their cryptocurrency.

According to Decrypt, the decentralized finance platform Ether.fi announced that its self-custody application has added tokenized stock, metal, and cryptocurrency trading, and supports collateralized lending with multiple holdings. Users can lend assets and borrow against collateralized portfolios through the Aave integrated market based on Optimism, allowing them to transfer or spend borrowed funds without selling their holdings.Ether.fi stated that fiat accounts support global deposits and withdrawals, covering over 30 currencies and payment methods, but tokenized stock and metal trading is not open to users in the United States and some other markets. Fiat accounts are only available to users who have completed payment card identity verification, and the speed of deposits and withdrawals varies.Ether.fi will also launch ETHFI automatic buybacks and provide 3% cash back for card spending. Ether.fi founder and CEO Mike Silagadze stated that initially, it will support Ethereum, Bitcoin, Hyperliquid, ETHFI, and some tokenized stocks and gold, with plans to add more collateral assets in the future.

The Solana ecosystem lending protocol Jupiter launched Lend v2 on Monday, allowing deposit and borrowing positions to simultaneously act as trading liquidity, enabling users to earn lending interest and exchange fee sharing from the same funds.This product introduces optional Smart Collateral and Smart Debt features, which automatically pair assets to correlated liquidity pools. When traders route exchanges through these pools, deposit users' yields can be enhanced, and borrowing costs can be offset.In correlated pools, even if one stablecoin depegs, borrowers are still protected; however, collateral providers will bear the losses of any asset. Jupiter limits this design to stablecoin trading pairs and trading pairs composed of SOL and its staked versions to mitigate correlated risks.

The real-world asset (RWA) lending protocol Multipli announced on platform X that its native ecosystem token MULT community sale has started. The sale is conducted through the on-chain token sale platform SONAR built by Coinbase's Echo, prioritizing the community.The Pre-Open phase is now open, from August 7, 2026, 13:00 UTC to August 14, 2026, 13:00 UTC. Users holding rewards such as ORBs and Crystals can enjoy additional benefits, with support for participation using USDC and USDT. Multipli is supported by institutions such as Pantera Capital and Sequoia.

Japanese Bitcoin treasury company Remixpoint released a performance announcement for its cryptocurrency operations. As of July 31, 2026, the company's Bitcoin lending principal amounted to approximately 1,501.27 BTC, with a total borrowing fee of about 12.44 BTC, approximately 133 million yen, accumulated from February to July.In addition, it has staked approximately 901.45 ETH and about 13,920 SOL, with total staking rewards amounting to approximately 28.89 million yen.

According to Jinshi reports, Federal Reserve's Daly stated that attention should be paid to the rising trend of technology investment lending.

The Nasdaq-listed financial services company Marex Group has invested in the institutional-grade crypto infrastructure provider Digital Prime Technologies, with the amount undisclosed. This investment will support Digital Prime's development of the digital asset lending platform Tokenet in collaboration with EquiLend and will be used by Marex to expand its institutional digital asset business.Digital Prime disclosed last week that the lending inventory from launch partners for Tokenet has exceeded $1 billion, with borrowing demand also exceeding $1 billion. The relevant data indicates the scale of digital assets available for lending and the borrowing intentions expressed by participating institutions, rather than completed loans. Launch partners for Tokenet include Galaxy Digital and Ripple Prime, among others. Marex's investment is part of its initiative to expand its digital asset business through investments in crypto market infrastructure.

Regarding the EIP proposal submitted by the Ethereum community, Aave founder and CEO Stani Kulechov expressed opposition, stating that the proposal cannot achieve its intended goals and will instead harm Ethereum. He pointed out that the proposal would cap ETH staking rewards at 0% when the staking rate exceeds 50%, making staking rewards unpredictable and potentially unprofitable for many participants. This poses a negative factor for institutional buyers considering establishing ETH positions, as they may turn to other networks with more predictable cash flows, resulting in significant adoption costs.Stani Kulechov further stated that reducing rewards to 0 would make ETH lending strategies fundamentally unfeasible, effectively stifling ETH's lending and yield scenarios. At that point, the only reason to borrow ETH would be to short it; meanwhile, holders of ETH beta and yield may turn to other interest-bearing assets like stablecoins. He mentioned that from a personal perspective, this proposal would undermine the viability of ETH as an asset and limit its potential, hoping that the proposal would not advance. Otherwise, a large number of participants would shift their interest to other networks, emphasizing that Ethereum should not be penalized for its growth.

According to ChianCatcher news, the stablecoin credit protocol Ebisu Finance announced today that it has decided to gradually shut down the project. Users need to quickly close remaining Troves, withdraw Stability Pool deposits, and ebUSD DEX liquidity. The minting of ebUSD has been suspended, and the front end will be deprecated in 3 months on October 30.This protocol is a fork of Liquity V2, supporting new collateral types and adjustable risk parameters. It has been running for over a year and has passed two audits. Ebisu aims to provide fixed-rate, open-term credit through ebUSD, with collateral including blue-chip yield-bearing assets such as LRTs, but the team has failed to expand ebUSD liquidity to support meaningful lending volumes.The project explored multiple solutions, including liquidity optimization, multi-chain expansion, structured products, and acquisition opportunities, but none addressed the core bottleneck of the CDP protocol: stablecoin liquidity and sustainable demand. The team stated that there are no plans for the launch or airdrop of EBISU tokens and thanked supporters, inviting other teams to contact them for permission to use their tech stack.

Bitget Unified Account (UTA) launches a zero-interest lending program for USDGO holdings, with the event running from July 29 at 15:00 to August 29 at 15:00 (UTC+8). During the event, users holding USDGO can borrow USDT under the unified account and receive a zero-interest borrowing limit equivalent to 30% of the value of their USDGO holdings, with a maximum zero-interest limit of 10 million USDT per user. Related rights will automatically take effect during the event, and users do not need to manually claim or register. For more details, please refer to the official Bitget platform.

The decentralized stablecoin USDD announced the addition of TRX exclusive bonuses to the s USDD market on Pendle, while also increasing the base USDD rewards. The additional benefits include 22,000 USDD and 13,000 TRX, as well as Pendle market rewards (approximately 30% of the value of USDD and TRX rewards). The event will run from now until July 30 at 08:00 (Singapore time).USDD officials particularly remind users that they can take advantage of the current good liquidity and low borrowing costs of the Morpho PT -s USDD / USDT pool to enhance asset utilization and further maximize returns. With this round of USDD incentives, the s USDD YT end returns are expected to reach new highs. Users are advised to seize the window of opportunity and lock in higher yield opportunities through Morpho's circular lending as soon as possible.

Uniswap announces the official launch of DualPool Hook. DualPool is an open-source Uniswap v4 Hook, jointly designed and developed by Spark and Uniswap Labs, allowing market makers to earn yields by depositing idle assets into lending protocols during the waiting period for liquidity funds to be executed, and to withdraw funds back to the liquidity pool when a transaction occurs.From an external perspective, DualPool is indistinguishable from a regular Uniswap v4 liquidity pool, and traders, aggregators, and solvers still complete transactions through the Pool Manager. Its internal mechanism is that liquidity funds are stored in an ERC-4626 yield vault and are automatically withdrawn when a transaction needs to be executed, deployed to concentrated liquidity positions, thereby ensuring transaction execution while allowing idle funds to continuously generate lending yields.

The non-custodial fixed-rate lending platform Tenor announced the completion of its seed round financing, led by Variant, with participation from Nascent, Prelude, Coinbase Ventures, Lattice, Very Early, and several angel investors continuing to provide support. The amount of financing has not been disclosed.Tenor is built on the fixed-rate lending underlying protocol Midnight based on Morpho. It is currently live on the Base network and will expand to more chains in the future, supporting features such as automatic extensions, OTC quotes, and floating interest rates for pending orders. The platform currently supports crypto asset collateralized lending and plans to expand into the foreign exchange and credit markets.

According to the SEC official website, Commissioner Hester M. Peirce issued a statement highlighting the intersection of cryptocurrency vaults and on-chain lending strategies with federal securities laws. Peirce pointed out that migrating activities to the blockchain does not automatically exempt them from the regulatory scope of securities laws. Cryptocurrency vaults allocate user assets to yield activities such as staking and lending through smart contracts, and if the managers are involved in selecting yield strategies or reallocating assets, it may trigger compliance obligations under securities laws; some vault structures may be deemed joint enterprises or fall under the regulation of investment companies.Regarding on-chain lending strategies, management actions such as interest rate setting, asset admission, and liquidation thresholds may also involve securities laws, and related loans may be classified as securities under certain conditions. Peirce stated that the SEC welcomes proactive communication from market participants in the vault and on-chain lending space and seeks input from all parties to explore whether there is a need to revise rules to protect investors while allowing space for innovation.

According to a report by The Defiant, data from Token Terminal shows that the on-chain trading activity of tokenized stocks and their use in lending and collateralization are both on the rise, but they still account for a small proportion of the overall DeFi market. Specifically, the on-chain spot DEX for tokenized stocks has reached a cumulative trading volume of $1.8 billion over the past 90 days, while the lending market has a deposit scale of approximately $23 million.In detail, on-chain trading volume is mainly concentrated on BNB Chain and Solana, accounting for 47.3% and 45.5% of the trading volume over the past 90 days, respectively; by asset classification, tokens tracking QQQ and SPY account for 40.5% and 40.4% of the total trading volume. In terms of lending collateral, xStocks accounts for 86.5% of the issuer's share, Solana accounts for 85.5% of the on-chain share, and Kamino accounts for 82.6% of the protocol share.The report also points out that compared to Uniswap's monthly trading volume of approximately $45 billion and xStocks' TVL of about $330 million, the current scale of tokenized stocks in terms of both trading and collateral usage is still at a low base.

The UK's tax authority HMRC announced that starting from April 6, 2027, it will adopt a "no gain, no loss" tax treatment for cryptocurrency lending and liquidity pools, which is expected to affect approximately 700,000 people.

Aave V4 has been deployed to the Avalanche network, marking the first multi-chain deployment of the Aave V4 Hub & Spoke architecture. This deployment includes a core liquidity hub and three sub-markets: the main market supports lending of assets such as WAVAX, BTC.b, USDC, USDT, and WETH.e; the AVAX-related market focuses on AVAX liquidity staking strategies, allowing users to deposit sAVAX with a 95% collateral rate and borrow WAVAX; the foreign exchange market supports mutual collateralization and lending among three stablecoins: EURC, USDC, and USDT.The core liquidity hub adopts a shared liquidity pool design, with all sub-markets sharing the same pool to avoid liquidity fragmentation. Aave stated that since its deployment on Avalanche in 2021, the historical cumulative inflow for V2 and V3 has exceeded $15 billion, and the current stablecoin utilization rate in the V3 market is over 90%.

The UK's HM Revenue and Customs has confirmed that depositing crypto assets into DeFi lending protocols and liquidity pools will no longer be considered a taxable disposal, and capital gains tax will be deferred until the investor actually economically disposes of the asset. This measure was announced on Monday and will take effect on April 6, 2027, amending the 1992 Taxation of Chargeable Gains Act. HMRC estimates that this measure will affect approximately 700,000 individuals and trustees using crypto loans and liquidity pools. Aave founder Stani Kulechov stated that this practice is "the right direction."

Japan's SBI Group plans to launch a lending service that offers a 3% annual yield on the JPYSC stablecoin held by users. The service is expected to go live as early as this month.