Crypto lenders hold nearly $ 60B of possessions as the new wave of Defi Adoption Sweep to: Report
There is a quiet change that is made in decentralized finances (DEFI).
While Defi’s earlier bull market was driven by the water-watering-and suspicious-yields and imaginary frenzy Wednesday report By analytics firm Artemis and on-chain harvest platform vaults.fyi.
The total amount locked (TVL) in the leading defi lending protocols – including AAVE, Euler, Spark and Morpho – has passed $ 50 billion and approaching $ 60 billion, growing 60% last year, the report shows. This growth is driven by rapid institutionalization and increasingly sophisticated risk management tools.
“These are not just yield platforms; they are emerging in modular financial networks that are subject to rapid institutionalization,” said the sets.
The ‘defi mullet’
One of the major trends recently the report highlighted is that the applications facing the user have silently embedded the DeFI infrastructure in Backnd to offer yield or loan. These features have been abstract far from users creating a more seamless experience, a trend often called “Defi mullet:” Fintech Front-End, Defi Backend, the report said.
For example, Coinbase users, may borrow against their Bitcoin
Handles activated by backend infrastructure Morpho. More than $ 300 million in loans originated by this integration until this month, the report taught.
Incorporating the Bitget Wallet with the Lending Protocol Aave offered 5% yield to the USDC and USDT Holdings throughout the chain without leaving the Crypto Wallet App. Paypal also does something like this in Piusd Stablecoin, which offers yields of close to 3.7% to PayPal and Venmo wallet users, even without the Defi element.
The report says Fintech companies with large user bases, such as Robinhood or Revolut, can also adopt this approach and offer services such as Stablecoin credit lines and asset-supported loans through defi markets, creating new paid-based streams.
Tokenized Rwas in Defi
Often, defi protocols introduce cases of use for tokenized versions of traditional instruments such as US wealth and credit funds, also known as real-world assets (RWA).
These tokenized possessions can serve as collateral, earn directly or mitter with more complex techniques.
Read more: Tokenized Apollo Credit Fund makes Defi Debut with levered-harvest approach by Securitize, Gauntlet
The tokenization of investment techniques is also popular. Pendle, a protocol that allows users to separate yield flows from the head, who now manages more than $ 4 billion in the total amount locked, most of them in tokenized stablecoin harvest products.
Meanwhile, Etherna’s Susde and similar yielding tokens have introduced products that deliver returns above 8% through techniques such as cash-and-carry trading, while abstract running the burden for the end user.
Raising on-chain asset managers
A less visible but critical trend highlighted in the report is that the crypto-native-native asset managers are increasing. Companies such as Gauntlet, Re7 and Steakhouse Financial provide capital to defi ecosystems using professional -managed techniques, resembling the role of traditional ownership managers.
These players are deeply embedded in the Defi Protocol Governance, Dangerous Parameters of Fine-Tune Tune and Capital Deployment to a set of structured yield products, Stenged real-world assets (RWW) and Modular Lending Market Market.
The report noted that the capital of the sector under management has grown four times since January – from $ 1 billion to $ 4 billion.
Read more: Crypto for counselors: defi Ani, the resurrection
