# Crypto Lending Related Articles

HTX News Center provides the latest articles and in-depth analysis on "Crypto Lending", covering market trends, project updates, tech developments, and regulatory policies in the crypto industry.

Nexo launches regulated crypto-backed credit in Australia

Nexo has launched regulated crypto-backed credit lines in Australia after becoming a credit representative under national consumer credit laws. Eligible clients can borrow Australian dollars or stablecoins using their cryptocurrency as collateral without selling it. Funds are typically available within 24 hours, featuring flexible repayments with no fixed terms or origination fees. Interest rates range from 0.9% to 21.9%, varying by credit line and client loyalty tier. Clients can choose between Smart and Standard credit lines, which differ in rates, eligible assets, and collateral management during market volatility. The company cautions that such borrowing carries risks, including margin calls and potential liquidation of collateral if its value drops. This move positions Nexo among the few crypto platforms offering regulated crypto-backed credit in Australia. Nexo Australia is registered with AUSTRAC as a virtual asset service provider and is a member of the Australian Financial Complaints Authority (AFCA).

cointelegraph08/19 10:31

Nexo launches regulated crypto-backed credit in Australia

cointelegraph08/19 10:31

Galaxy Research: Crypto Lending Contracts for Third Consecutive Quarter, Market Undergoing Orderly Deleveraging

**Galaxy Research Report: Crypto Lending Market Sees Orderly Deleveraging for Third Consecutive Quarter** The crypto asset-backed lending market contracted for a third consecutive quarter in Q2 2026, shrinking by $11.33B (-16.78%) to a total of $56.16B. This represents a 40.13% decline from the Q3 2025 peak. The process is marked by a controlled, "stair-step" decline rather than the sharp, cascading collapses seen in 2022, suggesting a healthier, more orderly deleveraging driven by market retrenchment rather than forced liquidations. Key findings include: * **CeFi vs. DeFi:** Centralized Finance (CeFi) lending ($22.98B) surpassed Decentralized Finance (DeFi) lending ($20.43B) for the first time since Q3 2023, as DeFi loan volumes fell 27.61% quarter-over-quarter. * **Market Leaders:** Tether remains the dominant CeFi lender, holding 58.54% market share. CeFi's top three players (Tether, Maple, Nexo) control nearly 75% of that segment. * **Corporate Debt:** Debt used by companies for digital asset treasury strategies declined by $1.5B to $16.1B, mainly due to a debt buyback by MicroStrategy. * **Rates & Leverage:** Stablecoin borrowing costs edged higher. Analysis of Aave V3 shows e-mode loans, primarily used for leveraged Ethereum staking strategies, carry significantly higher risk (debt-weighted avg. Health Factor ~1.06) compared to standard loans. * **Futures:** Aggregate futures open interest (OI) was relatively stable, down only 3.08% to $103.2B at quarter-end, though it has since rebounded. BTC and ETH futures OI together comprised 65% of the total. In conclusion, the crypto market continues to shed leverage in a measured manner. If this trend persists, the market may avoid the type of disorderly, cascading failures seen in the last cycle, even if lending activity continues to contract.

marsbit08/19 01:20

Galaxy Research: Crypto Lending Contracts for Third Consecutive Quarter, Market Undergoing Orderly Deleveraging

marsbit08/19 01:20

Farewell to Crash-Style Plunges: An In-Depth Review of the Crypto Lending and Futures Markets in Q2 2026

This report analyzes the Q2 2026 crypto lending and derivatives market, highlighting a continuation of controlled deleveraging. Unlike the 2022 crash, where loan volumes plummeted 55% in a single quarter, the current downturn is characterized by a gradual, stepwise decline across CeFi, DeFi, and crypto-collateralized CDP stablecoins, with Q2 seeing a total reduction of $113.3 billion (-16.78%) to $561.6 billion. DeFi lending saw the sharpest quarterly drop (-27.61%), while CeFi borrowing declined more moderately (-9.62%). For the first time since Q3 2023, CeFi outstanding loans surpassed DeFi. Corporate digital asset treasury (DAT) debt also decreased by $15 billion, largely due to a debt buyback by Strategy Inc. Futures open interest (OI) saw a modest 3.08% quarterly decline to $1032 billion, with notable divergence: Bitcoin OI fell 6.24%, while Ethereum OI dropped 26.31%. Both rebounded in July. A deep dive into Aave V3 revealed high leverage, particularly within "e-mode" loans, which are heavily concentrated on Ethereum staking/restaking tokens, with debt-weighted health factors near liquidation thresholds. The report concludes that the market is undergoing a healthier, managed deleveraging cycle driven by voluntary risk reduction rather than forced liquidations or counterparty failures, suggesting increased resilience against a repeat of the 2022 cascade. Early Q3 2026 data indicates potential stabilization in futures OI and DeFi lending volumes.

marsbit08/18 04:56

Farewell to Crash-Style Plunges: An In-Depth Review of the Crypto Lending and Futures Markets in Q2 2026

marsbit08/18 04:56

Galaxy expands institutional crypto lending with $500M Grove credit facility

Galaxy Digital has secured a $500 million warehouse lending facility from Grove to expand its institutional crypto-backed lending business. This facility allows Galaxy to originate loans secured by digital assets, primarily Bitcoin and Ether, with Grove providing the capital. The structure applies traditional warehouse lending models to crypto, financing loan creation before assets are packaged. Loans are overcollateralized, limited to BTC and ETH held by qualified custodians, and feature continuous LTV monitoring. This partnership builds on a previous $50 million tokenized credit deal, moving Grove earlier in the credit chain to fund new originations. The facility aims to support Galaxy's lending growth while providing Grove exposure to a secured loan portfolio.

ambcrypto07/15 17:40

Galaxy expands institutional crypto lending with $500M Grove credit facility

ambcrypto07/15 17:40

UK to defer Capital Gains Tax on qualifying crypto lending and liquidity pools from 2027

The UK government plans to defer Capital Gains Tax (CGT) on qualifying crypto asset lending and liquidity pool transactions from April 6, 2027. Under the new HMRC framework, these transactions will be treated on a "no gain, no loss" basis. This means tax will typically be deferred until the assets are economically disposed of, rather than being triggered when cryptoassets are lent or deposited. The measure aims to align tax treatment with economic substance and reduce administrative burdens. It covers single crypto asset lending/borrowing and Automated Market Making (AMM) arrangements. The policy follows years of industry consultation and is expected to affect around 700,000 individuals.

ambcrypto07/14 16:31

UK to defer Capital Gains Tax on qualifying crypto lending and liquidity pools from 2027

ambcrypto07/14 16:31

Crypto lender BlockFills files for bankruptcy: ‘Most responsible path forward’

Crypto lending and trading firm BlockFills has filed for Chapter 11 bankruptcy protection. The company stated that this action represents the "most responsible path forward" to address its financial challenges. The filing aims to allow BlockFills to restructure its operations and manage its debts while continuing to serve its clients. This development reflects the ongoing volatility and difficulties within the cryptocurrency lending sector.

ambcrypto03/16 08:20

Crypto lender BlockFills files for bankruptcy: ‘Most responsible path forward’

ambcrypto03/16 08:20

BlockFills Suspends Withdrawals: Is the First Domino About to Fall?

BlockFills, a major institutional crypto lending platform backed by traditional finance giants like CME Ventures and Susquehanna International Group (SIG), has temporarily suspended withdrawals, citing "temporary liquidity adjustments" to protect client and company interests. The move echoes language used by Celsius before its collapse in 2022, raising concerns about a potential repeat of past crypto lending failures. Founded in Chicago in 2018, BlockFills serves over 2,000 institutional clients—including miners, hedge funds, and payment processors—and processed over $61.1 billion in trading volume in 2025. Its sudden pause on withdrawals has triggered market anxiety, especially amid Bitcoin’s sharp decline from $120,000 to around $60,000, which has pressured mining operations reliant on financing. While BlockFills emphasizes its institutional risk management and strong backing, analysts note that prolonged suspension could signal systemic risk in the crypto credit sector. If resolved quickly, it may demonstrate resilience of institutional infrastructure; if not, it could become the first major domino to fall in a new wave of crypto financial stress.

比推02/12 00:08

BlockFills Suspends Withdrawals: Is the First Domino About to Fall?

比推02/12 00:08

K33 Taps Bitcoin Holdings to Launch Crypto-Backed Lending

K33, a digital asset brokerage listed on Nasdaq First North, has launched a crypto-backed lending service for Nordic investors. The new product allows clients to borrow USDC using Bitcoin and other cryptocurrencies as collateral, enabling them to access liquidity without selling their long-term holdings. According to CEO Torbjørn Bull Jenssen, this aligns with the firm’s Bitcoin treasury strategy and offers a regulated lending solution in a region where adoption has been limited by regulatory and infrastructure challenges. The move aims to expand K33’s product offerings, increase client engagement, and generate revenue. In contrast, decentralized finance platforms like World Liberty Financial are also expanding crypto lending services, reflecting growing demand for alternative financing models.

TheNewsCrypto01/19 15:18

K33 Taps Bitcoin Holdings to Launch Crypto-Backed Lending

TheNewsCrypto01/19 15:18

World Liberty expands into lending as WLFI faces selling pressure – Details

World Liberty Financial (WLFI), a project linked to the Trump family, has expanded into crypto lending with the launch of its new platform, World Liberty Markets. Despite this strategic move and the growth of the crypto-collateralized lending sector, WLFI’s market performance remains under pressure. The token is consolidating around $0.16–$0.17, facing significant selling pressure and bearish momentum. Key indicators, including a positive netflow of $2.8 million and declining momentum readings, suggest continued downward risk. If selling persists, WLFI could fall to $0.15, though a successful product adoption could push it toward $0.20.

ambcrypto01/13 10:02

World Liberty expands into lending as WLFI faces selling pressure – Details

ambcrypto01/13 10:02

Pantera Capital: 12 Predictions for the Crypto Market in 2026

Pantera Capital's Jay Yu presents 12 predictions for the 2026 crypto market. Key forecasts include the rise of capital-efficient consumer credit using AI and on/off-chain models, and prediction markets diverging into financial and cultural directions. AI will become a mainstream interface for crypto interactions, while tokenized gold gains traction as a leading RWA. A "quantum panic" may spark discussions around Bitcoin’s vulnerability, though no immediate threat exists. Privacy solutions will see unified developer experiences, and digital asset treasuries (DATs) will consolidate. The line between tokens and equity may blur, with more high-quality firms staying private longer. Hyperliquid is expected to dominate perpetual DEXs, and Prop AMMs will go multichain. Stablecoins will be increasingly adopted by fintech firms for international payments.

marsbit12/25 02:31

Pantera Capital: 12 Predictions for the Crypto Market in 2026