# Lending Related Articles

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

Top DEX on Solana, Orca, Merges with Loopscale, Positioning Itself as Lender to AI and Defense Industries

Top Solana DEX Orca merges with lending protocol Loopscale to form a new company, Formation. Positioning itself as a credit infrastructure provider for AI, energy, robotics, and defense sectors, Formation aims to serve industries underserved by traditional capital markets. The merger leverages Orca's liquidity pools and Loopscale's fixed-rate credit order book to allow asset issuers to launch trading and lending simultaneously. Formation plans to launch a platform for trading tokenized securities within 12 months, leveraging a recent SEC conditional exemption. The merger has been accompanied by governance complications in the Orca DAO, including a delayed vote on reducing fee share for xORCA token holders and dissolving its Council. The native ORCA token price fell over 16% following the news.

cryptonews.ruYesterday 19:36

Top DEX on Solana, Orca, Merges with Loopscale, Positioning Itself as Lender to AI and Defense Industries

cryptonews.ruYesterday 19:36

How to Generate a Stable Daily Cash Flow of $1000U through DeFi?

"How to Generate a Stable Daily Cash Flow of $1000U via DeFi?" by Chen Xiaomeng. The author shares a personal journey from chasing high-yield opportunities to building a sustainable cash flow system in DeFi. Starting with a goal of earning $800-$1000 daily from a stablecoin (U) portfolio, the article details an evolved investment philosophy that prioritizes risk management and sustainability over chasing the highest APY. The core strategy involves a bifurcated portfolio: long-term holdings (BTC, HYPE, US index ETFs) and an active U portfolio for cash flow. The U capital is managed in four tiers: 1) Liquid reserves for flexibility, 2) A base cash flow layer using established, transparent protocols, 3) A tactical layer for strategies like Perpetuals (Perps) arbitrage and options, and 4) An opportunity layer for higher-risk, high-reward plays like new farm incentives and LP Deals. Key strategies discussed include Perps arbitrage (capturing funding rate differentials), selective LP Deals (with careful evaluation of token rewards vs. real yield), and cautious use of leverage/looping (e.g., on Aave, Morpho). The author emphasizes understanding the source, sustainability, and true risk behind every yield. They warn against over-optimizing for APY, which can lead to concentrated risks, illiquidity, and excessive time commitment. A major shift in mindset is moving from valuing paper profits to focusing on real, settled cash flow that can be reinvested or used to accumulate long-term assets. The article concludes by advocating for a "boring" investment approach—building a resilient system that generates reliable baseline income, allowing for less frequent, more deliberate decision-making and reducing the emotional burden of constant market engagement.

marsbit2 days ago 01:47

How to Generate a Stable Daily Cash Flow of $1000U through DeFi?

marsbit2 days ago 01:47

Michael Saylor Proposes Changing the Rules of the Game: $1.6 Trillion in Bitcoin Remains Outside the Banking System

Michael Saylor, founder and executive chairman of MicroStrategy, argues that changing banking rules to better accommodate Bitcoin could unlock trillions in capital. He claims $100 billion in bank loans collateralized by Bitcoin could equal ten years of new BTC issuance. The main obstacle is the Basel Committee's 1,250% risk-weighting for Bitcoin, requiring banks to hold $1 in capital for every $1 in Bitcoin, making it economically unviable. Saylor notes that US regulators like the OCC and FDIC have already taken more flexible approaches, allowing banks to custody digital assets for clients and issue loans against them. He contends that removing these restrictive capital rules would allow banks and insurers to fully utilize Bitcoin as digital property and capital, integrating the $1.6 trillion asset into the traditional financial system.

cryptonews.ru2 days ago 21:30

Michael Saylor Proposes Changing the Rules of the Game: $1.6 Trillion in Bitcoin Remains Outside the Banking System

cryptonews.ru2 days ago 21:30

Bitcoin Holders Are Taking Loans Instead of Selling BTC, Market Already Reaches $56 Billion

Bitcoin owners are increasingly using their holdings as collateral to obtain liquidity instead of selling their BTC. According to Galaxy Research, the total market for loans secured by digital assets reached $56.16 billion in Q2 2026, though this remains roughly 40% below its 2025 peak. Lenders are offering financing for purposes like real estate purchases, education, medical bills, and business expenses, allowing borrowers to maintain their price exposure to Bitcoin. The process is straightforward: a borrower pledges BTC as collateral, receives funds in dollars, stablecoins, or local currency, and gets their collateral back upon loan repayment. However, despite this growth, such crypto-backed loans are not yet considered a mainstream banking product.

cryptonews.ru10/08 13:37

Bitcoin Holders Are Taking Loans Instead of Selling BTC, Market Already Reaches $56 Billion

cryptonews.ru10/08 13:37

Crypto lending rises again… but have they solved the risks?

Crypto lending is recovering, with total value locked surging over 55% since July to around $56 billion. However, this growth amplifies existing risks, as highlighted by the April Kelp DAO hack. This exploit created unbacked rsETH tokens, many used as collateral on Aave, causing significant deposit outflows despite Aave's contracts not being directly breached. Industry leaders emphasize that security must extend beyond smart contracts to include underlying bridges, oracles, and issuer operations. Protocols like Aave are adopting more holistic reviews, phasing out risky assets, and implementing quarterly reassessments. Experts warn that human error, operational security, and the pressure to deploy capital for yield remain critical vulnerabilities. While AI-assisted tools are being used for security testing and can improve breadth and speed, they generate many false positives, necessitating expert oversight. Furthermore, the rise of AI agents introduces new attack surfaces. The consensus is that security involves not only prevention but also robust containment and response plans for when breaches occur.

cointelegraph10/08 13:35

Crypto lending rises again… but have they solved the risks?

cointelegraph10/08 13:35

Lido Launches Security-First Lending Protocol Lido Lend: Is the Lending Market About to Change?

Lido contributors have unveiled plans for a new decentralized lending market called "Lido Lend." Built on a modified fork of Morpho Blue, the protocol is designed with a security-first philosophy, targeting risk-averse lenders and specific borrower needs. It features isolated lending markets, Lido DAO governance (pending a vote), deposit screening, and reliable exit paths to mitigate risks like exposure to hacked funds or illiquid collateral. This approach builds on Lido's six-year track record of zero major security incidents with its staking infrastructure. The protocol emphasizes safety and reliability for passive, long-term holders, focusing on blue-chip assets and correlated trading pairs (e.g., stETH/ETH) to reduce volatility. It aims to complement existing markets rather than serve as a universal lending solution. Lido Lend, seen as an extension of Lido's secure DeFi offerings like stETH and Lido Earn, is scheduled to launch this quarter. Further technical details, parameters, and audit reports will be released ahead of a DAO governance vote.

marsbit10/08 06:45

Lido Launches Security-First Lending Protocol Lido Lend: Is the Lending Market About to Change?

marsbit10/08 06:45

From DEX to "Financing AI + Defense": After ORCA Doubles, Should We Buy Into This New Narrative?

The article discusses a significant shift for Solana-based decentralized exchange (DEX) Orca. Following its merger with lending protocol Loopscale, the newly formed entity, Formation, is pivoting its business focus beyond the crypto sector. It now aims to facilitate on-chain financing for industries like artificial intelligence (AI), robotics, and defense. Notably, the price of Orca's native token, ORCA, nearly doubled in the week leading up to the official merger announcement on October 8th, suggesting the market had already priced in the expansion news based on earlier, publicly available governance proposals. A critical change highlighted in these proposals is a planned adjustment to the protocol's revenue distribution. To fund its ambitious new growth strategy, the team intends to significantly reduce the automatic token buyback and reward rate for xORCA stakers from 40% to 10% of protocol revenue. Concurrently, more control over treasury funds and strategic decisions would be centralized with the team. The analysis concludes that while the merger presents a potential new growth narrative, current token holders and new investors are effectively trading immediate, verifiable buyback yields for a speculative bet on the success of Orca's expansion into AI and defense financing. The new business would need to generate roughly four times the current protocol revenue just to match the previous level of automatic rewards for stakers.

marsbit10/08 02:06

From DEX to "Financing AI + Defense": After ORCA Doubles, Should We Buy Into This New Narrative?

marsbit10/08 02:06

S&P Global Implements Risk Assessment in the Growing Sector of Crypto-Credit Vaults

S&P Global Ratings has launched a risk assessment framework for digital asset lending pools, responding to the growing popularity of on-chain investment products. The methodology evaluates pools across six key categories: portfolio credit quality risk, liquidity mismatch risk, custodian risk, blockchain risk, protocol risk, and custody & governance security risk. According to S&P, the assessments are designed to determine the risk of loss for investors in these lending pools but do not constitute credit ratings or evaluate potential returns. Analyst Lisa Schreyer noted that the framework is not intended to single out any one of the six categories as inherently riskier than the others.

cryptonews.ru10/05 21:45

S&P Global Implements Risk Assessment in the Growing Sector of Crypto-Credit Vaults

cryptonews.ru10/05 21:45

Cryptocurrency Market Suffered from Hacker Attack Over the Weekend! A Large Number of Assets Stolen

A suspected security breach on the Base network has led to the theft of approximately $6 million worth of cryptocurrency assets. Preliminary information indicates that a total of 1,783,067 aBaswstETH was withdrawn in six separate transactions from an as-yet-unnamed vault. According to initial assessments by security researchers, the attack exploited the lending mechanism of a smart contract vault that had recently been whitelisted. While it is confirmed that aTokens were stolen from the vault and subsequently swapped for roughly 1,783,067 wstETH, the exact source of the authorization vulnerability that enabled the attack remains unidentified.

cryptonews.ru10/04 20:50

Cryptocurrency Market Suffered from Hacker Attack Over the Weekend! A Large Number of Assets Stolen

cryptonews.ru10/04 20:50

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