lending

Криптовалютный кредитор Arch Lending планирует расширить бизнес по предоставлению кредитов под залог токенизированных акций. Соучредитель и главный директор по доходам Arch Химаншу Сахай в подкасте Chain Reaction на Cointelegraph заявил, что организация планирует "вскоре" выйти на этот рынок и отметил, что существует спрос на кредиты под токенизированные акции. Сахай отметил, что в прошлом году токенизированные акции быстро росли, но кредиты под такие активы все еще ограничены, и он ожидает, что в будущем больше кредиторов войдут на этот рынок, упомянув такие организации, как Superstate, Robinhood и Securitize, которые выпускают токенизированные акции.Arch расширила свои услуги от криптовалют до токенизированных активов реального мира и недавно запустила кредитные продукты под залог Paxos Gold и Tether Gold. Тем не менее, криптовалюты по-прежнему составляют подавляющую часть существующего кредитного портфеля Arch, при этом доля биткойна превышает 80%. Сахай также отметил, что организация в последнее время наблюдает рост интереса к XRP в качестве залога, особенно со стороны американских заемщиков.До Arch токенизированные акции уже начали входить на рынок кредитования. В феврале этого года Ondo Finance запустила рынок DeFi кредитования для своих двух токенизированных ETF через интеграцию с кредитным протоколом Morpho; в июле Kraken включила 10 видов xStocks в список обеспечений для фьючерсов и маржинальной торговли; в августе акции B20 от Coinbase были запущены на платформе Base.

Согласно сообщению The Block, APX Lending запустила пятилетний циклический кредитный продукт, поддерживаемый биткойном и эфириумом, с процентной ставкой от 10,49%.Компания заявила, что заемщики могут по мере необходимости извлекать и погашать кредит, не взимая сборов за оформление, досрочное погашение или ликвидацию.

According to official disclosures from Binance, Alpaca is not only the clearing broker for its U.S. stock business, but Binance also holds a minority stake in Alpaca. According to the agreement, Binance will receive 50% of Alpaca's payment for order flow (PFOF) and 65% of the remaining profits from user stock lending, after deducting user interest.Binance's recently launched U.S. stock business adopts a "introducing broker + clearing broker" model, with Nest Trading responsible for order referrals and Alpaca responsible for trade execution, clearing, settlement, and asset custody. Alpaca Securities LLC is a registered broker-dealer with the U.S. Securities and Exchange Commission (SEC) and is also a member of the Financial Industry Regulatory Authority (FINRA) and the Securities Investor Protection Corporation (SIPC), holding approximately 94% of the tokenized U.S. stocks and ETFs market share.

According to CoinDesk, Belgian digital asset service company Keyrock is acquiring the bankrupt crypto trading and lending company BlockFills for $3.25 million, pending court approval. Keyrock will take on "almost all" of BlockFills' assets, some liabilities, partial equity, client lists, as well as proprietary technology and intellectual property. BlockFills filed for Chapter 11 bankruptcy in March, reporting liabilities of $100 million to $500 million, with assets of only $50 million to $100 million.This acquisition will allow Keyrock to gain access to BlockFills' network of institutional clients, including hedge funds, asset management firms, market makers, and mining companies. Keyrock completed a Series C funding round last year led by SC Ventures, a subsidiary of Standard Chartered Bank, with a valuation of $1.1 billion, and acquired Luxembourg-based fund management company Turing Capital last fall.

Binance officially announced on social media that the Fully Paid Securities Lending (FPSL) service will be officially launched on June 4, 2026. This service allows users to lend qualified securities assets that they fully own to market participants and earn additional income through lending.It is reported that FPSL is a common securities lending mechanism in traditional financial markets, usually facilitated by brokers or custodians, lending securities held by investors that are not in use to institutions that need to short sell, arbitrage, or provide market making.

According to the official announcement, Binance Wallet has launched a brand new DeFi experience, integrating three core functions: DeFi earning, DeFi lending, and liquidity pools, supporting over 40 protocols including BNB Chain, Ethereum, Base, and Arbitrum, as well as more than 1000 pools. Users can view staking, liquidity pools, and lending positions on the same interface, and directly operate to add/remove liquidity, collect fees, and borrow through protocols like Venus.To celebrate the launch, Binance Wallet will kick off the DeFi Season event with a total prize pool of $2 million starting from May 28, 2026, covering three main themes: Staking, lending, and liquidity pools.

According to official news, Base MCP has officially launched. Users can connect their Base accounts to the AI interface to execute exchanges, transfers, track portfolios, and participate in the Base ecosystem through chat. The service supports Morpho, Moonwell, Aerodrome, Bankr, Avantis, Virtuals, and Uniswap from the start, covering areas such as lending, exchanges, and perpetual contracts.Users can install and use the Base account for authentication through AI clients that support MCP. All transactions initiated by the AI agent require user manual confirmation or cancellation. Base MCP is built on the OAuth 2.1 standard for authentication, generating wallet request links through the storage request feature, and the MCP server does not hold or access user private keys.

Aave founder and CEO Stani Kulechov tweeted that the valuation of DeFi lending protocols should not primarily refer to TVL, as it measures net collateral rather than lending activity. Comparing data from the end of 2025, Aave's supply scale is about $52 billion, active loans about $22 billion, loan interest flow over $700 million, and DAO retention about $150 million; SoFi has deposits of about $37.5 billion, a loan book of about $38 billion, loan income of about $1.8 billion, and net profit of about $481 million.Stani stated that in traditional finance, deposits are liabilities or capital costs, and loans are interest-bearing assets, with lenders typically assessing based on the loan book, interest income, interest spread, and asset growth; however, the DeFi market mainly focuses on TVL and DAO retention fees. He believes that Aave is closer to over $700 million in lending business under a traditional financial accounting framework, rather than a $150 million revenue protocol; TVL is not the revenue basis for lending protocols, but the loan book and interest flow are the core.

The cryptocurrency lending platform Ledn released a report stating that the Bitcoin collateral lending market could grow from the current approximately $3 billion to $1 trillion over the next 10 years.The report cites a survey of 1,244 cryptocurrency holders in the United States and Australia, showing that 88% of respondents are willing to use cryptocurrency as collateral for loans or credit products, but currently, only 14% are actual users. Ledn indicates that this means there is a "6:1 gap between willingness and adoption," and the biggest obstacle in the industry is not a lack of demand, but rather trust issues.The report points out that the users' biggest concerns include the volatility of cryptocurrency prices, liquidation risks, and regulatory uncertainty. Additionally, platform reputation, asset custody security, loan term transparency, and risk management capabilities are considered more important than the interest rates themselves.

According to a report by Reuters, the European Central Bank opposed the proposal to promote more euro stablecoins at the EU finance ministers' meeting, arguing that relaxing liquidity requirements for stablecoin issuers, or even allowing them access to financing from the European Central Bank, could undermine the stability of bank deposits, suppress bank lending, and increase the difficulty of interest rate regulation.The proposal was put forward by Bruegel in the meeting documents, aiming to expand the market currently dominated by dollar stablecoins. European Central Bank President Christine Lagarde has previously expressed a cautious attitude towards euro stablecoins and has shown more support for tokenized commercial bank deposit schemes.The report also stated that the EU is reviewing the MiCA, which will take effect in 2024, while the U.S. will pass the more lenient GENIUS Act in 2025.

According to on-chain analyst Yu Jin's monitoring, the whale nemorino.eth liquidated 8,424 ETH ($17.9 million) one hour ago, incurring a loss of $2.25 million. At the beginning of the month, when ETH rebounded, he borrowed stablecoins from Spark to leverage and buy ETH at an average cost of $2,391.Subsequently, ETH failed to continue its rebound and instead fell back. He retrieved 8,424 ETH from Spark and sold it off at a price of $2,124, paying off the loan and depositing the remaining 11.71 million USDC back into Spark to earn interest.

The lending protocol HyperLend on HyperEVM has launched the institutional credit platform Aviya. Aviya is built on Hyperliquid and aims to provide structured credit access for institutional participants. Aviya offers bilateral fixed-rate financing services, initially using HYPE as collateral, with plans to gradually expand to more asset classes.The official statement indicates that Aviya will become an important part of the Hyperliquid ecosystem's credit layer, supporting capital formation, leverage utilization, and structured financing for native assets and future tokenized assets (including stocks, commodities, fixed income instruments, pre-IPO companies, etc.). In addition, HyperLend is deepening its collaboration with Hyperion to jointly promote institutional business expansion and capital introduction.

According to CoinDesk, MoonPay announced the launch of a new platform, MoonPay Trade, aimed at banks, fintech companies, and corporate clients, providing unified access to tokenized assets, decentralized finance (DeFi) protocols, and stablecoin liquidity, covering over 200 blockchain networks.It is reported that MoonPay Trade will become the core execution layer of its institutional business, MoonPay Institutional, supporting tokenized fund subscriptions, collateral transfers, and integration with DeFi protocols such as Aave, Morpho, and Maple Finance, enabling institutions to conduct lending and yield generation operations directly on-chain.

According to the official announcement from Binance, the Binance margin and lending platform will officially delist Anchored EUR (AEUR) and Sleepless AI (AI) on May 22, 2026, at 06:00 (UTC). At that time, all related margin trading pairs will be halted, and any open lending positions will be forcibly settled.

According to CoinDesk, the stablecoin payment blockchain Tempo, supported by Stripe and Paradigm, is integrating Morpho's $7.5 billion DeFi lending market to provide on-chain lending and yield products for fintech companies and enterprises built on it. This integration allows Tempo users to access one of the largest lending protocols in DeFi, transforming stablecoin balances from idle assets into interest-bearing assets.Previously, Tempo was primarily positioned as a funds transfer blockchain, providing enterprises with stablecoin transfer, foreign exchange, and settlement tools. The addition of Morpho expands it into a more complete financial stack.

According to crypto analyst Yu Jin @EmberCN, a whale holding $290 million in ETH has increased its position by 5,001 ETH three hours ago.Data shows that the address borrowed approximately 10.6 million USDT through Spark and Aave, and purchased 5,001 ETH at an average price of about $2,120. Currently, its total holdings amount to 137,400 ETH, valued at approximately $290 million, with positions leveraged through Aave and Spark, and the current overall liquidation price is about $1,324.

On-chain analyst Tom Wan posted on the X platform, stating that the current ETH utilization rate has fallen below 90%, and the lending APY has dropped to 1.9%. Since the rsETH LayerZero cross-chain bridge was attacked, the deposit scales of wstETH and weETH have decreased by approximately $1.2 billion and $1.76 billion, respectively.As the wstETH/weETH circular leverage strategy returns to profitability, the market's focus shifts to whether the demand for ETH circular leverage will return or if funds will continue to observe or flow to protocols like Spark and Morpho.

According to official news, an additional $50 million USDG lending limit is now available on the Ethena market.The leveraged USDe Multiply positions on Kamino are currently generating over 25% APY, and there is additional liquidity available to support further cyclical demand on Solana.

The HyperEVM native non-custodial lending protocol HypurrFi announced that it will gradually cease brand operations and transfer the lending market infrastructure based on Euler on HyperEVM to Euler for maintenance and operation.HypurrFi stated that all markets currently remain solvent and operational, with no security vulnerabilities or attacks on the protocol. User deposits, collateral, and positions are all safe and intact. Clearstar Labs will continue to serve as the risk curator for the Prime, Yield, and Earn vaults.The announcement stated that the HypurrFi Pooled market will enter an orderly shutdown phase over the next few weeks to months, with new lending currently suspended and lending limits gradually reduced to encourage user repayment migration. The USDXL interest rate has been raised to 30% to incentivize borrowers to repay their debts early. In addition, HypurrFi has launched a migration tool to help users transfer their positions to the Euler Prime and Yield markets. It stated that future Hyperliquid support will gradually be integrated into the official Euler UI.HypurrFi emphasized that this adjustment is a proactive operational decision, not a security incident or emergency. The Legacy and Pooled markets are expected to complete closure and liquidation by July 15, 2026.