lending

On-chain lending platform Votre announced the completion of a $3.75 million seed round financing, led by a16z's crypto startup accelerator a16z CSX, with participation from MaC Venture Capital and a group of angel investors.The company currently operates a non-custodial cryptocurrency lending platform based on the Base Layer 2 network, helping cryptocurrency holders obtain liquidity without having to sell their assets. The new funds will be used to expand Votre's technological infrastructure and enhance the functionality of its lending platform.

According to an article in the American Bankers Association (ABA) Journal, experts including the ABA's chief economist point out that the recent research report by the White House Council of Economic Advisers (CEA) on the issuance of yield from payment stablecoins raises the wrong questions and may mislead policymakers.The CEA report mainly explores "how prohibiting the issuance of yield from payment stablecoins will affect bank lending," concluding that banning yields would only increase bank lending by about $1.2 billion, with minimal impact.However, the ABA believes that the real policy concern is not the consequences of "prohibition," but the risks that may arise from "allowing" the issuance of yield from payment stablecoins: accelerating deposit outflows, allowing yields to stimulate households and businesses to move funds from bank deposits (especially community banks) to stablecoins, which would have a significant impact when the market size expands to $1-2 trillion. ABA analysis shows that loans in Iowa alone could decrease by $4.4 billion to $8.7 billion as a result.Impact on community banks: Deposit outflows will force community banks to replace funding with higher-cost wholesale financing (such as Federal Home Loan Bank advances), raising their funding costs and thereby reducing loans to local households and small businesses. It is not a harmless "reshuffling": The CEA believes that deposits are merely "reshuffled" within the banking system, with overall impact being minimal.However, the ABA points out that deposits flowing from community banks to a few large institutions or stablecoin reserve accounts will harm sectors that rely on relationship-based bank lending. The ABA believes that prohibiting the issuance of yield from payment stablecoins is a prudent protective measure that allows stablecoins to mature as a tool for payment innovation rather than becoming a source of economic risk that substitutes for insured deposits.

According to tracking data from the Web3 asset data platform RootData X, in the past 7 days, the decentralized lending platform Venus has been the project that X (Twitter) top figures have unfollowed the most. The new influential figures on X who have unfollowed this project include cryptocurrency trader Loomdart (@loomdart), crypto KOL Yuyue (@yuyue_chris), and Chinese Web3 KOL Calman (@CalmanBTC).

According to data from the World Liberty Financial website, World Liberty Financial has launched a lending market based on the Ethereum ecosystem by integrating with the decentralized lending protocol Dolomite, with a current yield of 34.51% for USD1.Note: Interest rates fluctuate in real-time; accurate rates can be checked on the product website.

According to the official announcement from Seamless Protocol, the Base chain DeFi lending protocol Seamless Protocol, which has been operating for over two and a half years, has announced its official shutdown. The protocol's UI will go offline on June 30, 2026, at which point team support will also cease. Users must withdraw all assets through the UI before this date; otherwise, they will need to manually interact with the contract, which is complex and lacks technical support.The team stated that the core reason for the shutdown is that leverage tokens failed to find a product-market fit—structural liquidity shortages in the DeFi lending market have prevented the product from scaling, compounded by fluctuations in lending rates eroding returns, and the protocol also lacks a sustainable revenue path.The team also pointed out that the DeFi market trend is shifting towards actively managed vaults, which fundamentally diverges from its non-custodial, fully automated product positioning. Additionally, the team will submit a governance proposal to allocate the remaining assets in the DAO treasury to SEAM token holders.

According to Caixin, with the official implementation of new regulations on loan assistance and the slowdown in consumer credit demand, multiple consumer loan assistance platforms showed a consistent trend in the fourth quarter of 2025: revenue and loan issuance scale declined year-on-year, and net profit fell sharply.As the loan assistance business enters a contraction phase, various platforms are seeking "overseas expansion" and investing in the "crypto space" as a second growth curve. It is reported that platforms such as Lexin and Yirendai have already laid out overseas businesses, with Southeast Asia and Latin America becoming the main battlegrounds. Weixin Jinke has been continuously investing in the blockchain industry over the past two years.

According to a post from the official UX Chain X account (@ux_xyz), the UX Chain platform has announced the launch of a shutdown plan, requiring users to clear all open positions before the full liquidation starts on April 30. The protocol is expected to be completely shut down by May 15.UX reserves and financial funds will be used to cover the funding gap of the protocol, and specific details will be announced in the UX governance forum.

According to official news, the Cosmos ecosystem lending protocol Mars Protocol has announced that it has completed all withdrawal processes according to governance proposal MRC-165: all liquidation LTVs have been adjusted to 0, and all remaining loan positions have been liquidated. Funds in users' credit accounts and Mars v1 have been directly returned to their wallets.The project team stated that the funds held by Amber will be notified separately through Amber's official channels in the coming days. The Mars official Discord and Telegram will be closed soon, and no further support or updates will be provided. The Mars team stated that this operation marks the formal and orderly end of the protocol.

According to CoinDesk, Aave has officially launched the v4 upgrade version on Ethereum after about two years of development, introducing a new architecture that separates the lending markets while sharing liquidity, aiming to expand DeFi from crypto-native lending to real-world assets and institutional use cases.The v4 version changes the way Aave organizes its markets, allowing different types of lending markets to operate independently while sharing the same liquidity pool, enabling users to conduct lending operations on assets beyond crypto tokens in the future. Aave Labs founder Stani Kulechov stated that lending is based on trust and needs to reflect market conditions. He also pointed out that this upgrade facilitates other teams to develop and expand on top of the protocol.In terms of capital efficiency, the v4 version can also reinvest idle funds within the system. The upgrade launched with a limited set of markets and conservative parameter settings, with more features to be added gradually following governance resolutions. This launch coincides with governance disputes within the Aave ecosystem regarding decentralization and revenue distribution issues.

OKX will suspend leveraged trading and spot lending services for KITE/USDT on March 27, 2026, at 13:00, and will cancel related market orders. Please return the coins in a timely manner before the suspension to avoid triggering the system's forced return of coins.

Lombard and Bitwise Asset Management announced a partnership at the Digital Asset Summit in New York, offering a solution for institutions to earn yields and collateralize BTC lending without moving assets out of custody, targeting the scale of BTC assets under institutional custody.Bitwise will develop yield strategies that combine DeFi lending with tokenized real-world assets, while the decentralized lending protocol Morpho will provide the infrastructure for BTC collateralized lending. The platform uses Bitcoin-native tools such as partially signed transactions and time locks to verify collateral, allowing positions to be represented on-chain without transferring or re-collateralizing the underlying assets.Phillips stated that Bitcoin Smart Accounts can simultaneously reduce custody, cross-chain bridge, and counterparty risks. This solution is aimed at high-net-worth individuals, asset management firms, and corporate treasuries, with plans to launch in the second quarter of 2026 and will add more custodians and protocols to expand coverage.Lombard estimates that approximately $500 billion in BTC is under institutional custody; DefiLlama data shows that the total locked value of BTC in DeFi is about $2.93 billion, with a market cap of approximately $1.4 trillion; as of the time of writing, Babylon Protocol's total locked value is about $2.8 billion, and Lombard's is approximately $744 million.

According to monitoring by Lookonchain, the lending market size of Mantle (@Mantle_Official) has reached $1.35 billion, setting a new historical high.

According to Jinshi, the proposal announced by the Federal Reserve on Thursday will relax capital requirements for large financial institutions on Wall Street, a move that could free up billions of dollars for lending, stock buybacks, and dividend payments. Federal Reserve Vice Chair Michelle Bowman stated that these changes will strengthen the overall capital structure and maintain stability. The proposal will undergo a 90-day public consultation period and is expected to "moderately lower" capital requirements for large banks.

BlockFills, headquartered in Chicago, has filed for Chapter 11 bankruptcy protection in the U.S. Bankruptcy Court for the District of Delaware. Documents submitted by the company indicate that its estimated assets are between $50 million and $100 million, while estimated liabilities are between $100 million and $500 million.In a statement released on Sunday, BlockFills stated that after extensive discussions with investors, clients, and creditors, the Chapter 11 bankruptcy process is the "most responsible path forward." This filing for reorganization will allow the company to undergo an orderly restructuring under court supervision while maintaining transparency and oversight. The company added that this move aims to "stabilize the business, seek additional liquidity and avenues for recovery, and explore potential strategic transactions," while emphasizing that protecting customer interests "remains a top priority."

According to market news, the decentralized lending trading protocol Ammalgam has officially launched its mainnet, integrating lending, market making, and trading into a comprehensive on-chain liquidity system that supports the reuse of funds across different strategies to enhance LP capital efficiency.The project previously completed a $2.5 million seed round of financing, with investors including Lightspeed Faction, Framework Ventures, and others. Ammalgam has abandoned external oracles and instead directly utilizes on-chain executable liquidity pricing and risk control to reduce the risks of price manipulation and oracle failure. It has simultaneously launched a strategy Vault based on Lagoon Finance infrastructure, allowing users to deposit assets such as USDC, ETH, and BTC into Vaults vetted by curators, obtaining ERC-7540 share certificates to passively participate in complex DeFi strategies like leverage and rebalancing, with redemptions executed according to the announced settlement windows and fees.

Decentralized stablecoin USDD has announced the launch of a new round of borrowing incentive activities on the decentralized lending protocol Morpho, with a total prize pool of 80,000 USDD, covering the sUSDD/USDC and sUSDD/USDT markets. The event lasts for 30 days, starting from March 11, 2026, at 8:00 (UTC+8).The specific incentive distribution is as follows: USDC borrowers will receive 30,000 USDD, with an APY cap of 2%; USDT borrowers will receive 50,000 USDD, with an APY cap of 1%. Users can lend the corresponding assets in the designated markets on Morpho and obtain additional subsidy earnings through the Merkl platform. The USDD team stated that this initiative aims to enhance the liquidity depth and borrowing activity of the sUSDD-related markets, creating short-term enhanced yield opportunities for stablecoin holders.