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        "rendered": "<div data-gtm-locator=\"articles\" data-v-43e640e6>\n<article id=\"article-213460\" data-v-43e640e6>\n<p itemprop=\"description\" data-v-43e640e6> DeFi lending is poised to capture more institutional interest as tokenized RWAs are increasingly accepted as collateral for stablecoin loans, according to Binance Research. <\/p>\n<div data-v-43e640e6><picture><source media=\"(min-width: 1200px)\" ><source media=\"(min-width: 992px)\" ><source media=\"(min-width: 768px)\" ><source media=\"(min-width: 480px)\" ><img  loading=\"eager\" fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/images.cointelegraph.com\/cdn-cgi\/image\/format=auto,onerror=redirect,quality=90,width=1434\/https:\/\/s3.cointelegraph.com\/uploads\/2025-01\/01946561-d28e-7470-b7a0-15dc0d1ffda1\" alt=\"DeFi lending rises 72% on institutional interest, RWA collateral adoption\"><\/picture><\/div>\n<div data-v-43e640e6>\n<div data-v-43e640e6>\n<p>Decentralized lending protocols are surging in total value and set to capitalize on the growing institutional adoption of stablecoins and tokenized assets, according to Binance Research.<\/p>\n<p><a data-ct-non-breakable=\"null\" href=\"https:\/\/cointelegraph.com\/explained\/defi-lending-and-borrowing-explained\" title=\"null\">Decentralized finance (DeFi)<\/a> lending protocols are automated systems that facilitate lending and borrowing for investors via smart contracts, eliminating the need for financial intermediaries like banks.<\/p>\n<p>DeFi lending protocols have risen more than 72% year-to-date (YTD), from $53 billion at the beginning of 2025 to over $127 billion in cumulative total value locked (TVL) on Wednesday, according to Binance Research.<\/p>\n<p>This explosive growth is attributed to DeFi lending protocols benefiting from accelerated institutional adoption of stablecoins and tokenized <a data-ct-non-breakable=\"null\" href=\"https:\/\/cointelegraph.com\/learn\/articles\/asset-tokenization\" title=\"null\">real-world assets (RWAs)<\/a>.<\/p>\n<p>\u201cAs stablecoin and tokenized asset adoption accelerates, DeFi lending protocols are increasingly positioned to facilitate institutional participation,\u201d wrote Binance Research in a Wednesday report shared exclusively with Cointelegraph.<\/p>\n<figure><img decoding=\"async\" src=\"https:\/\/s3.cointelegraph.com\/uploads\/2025-09\/01990f2a-3bd5-7145-ba52-6f5d5bcb368f\" title><figcaption><em>DeFi lending protocols, TVL, year-to-date chart. Source: Binance Research<\/em><\/figcaption><\/figure>\n<p>A significant portion of this growth was attributed to <a data-ct-non-breakable=\"null\" href=\"https:\/\/cointelegraph.com\/news\/maple-finance-expands-solana-yield-bearing-stablecoin\" title=\"null\">Maple Finance<\/a> and <a data-ct-non-breakable=\"null\" href=\"https:\/\/cointelegraph.com\/news\/euler-finance-bounces-back-flash-loan-attack-introduces-modular-vaults\" title=\"null\">Euler<\/a>, which saw 586% and 1,466% rises, respectively.<\/p>\n<p><em><strong>Related: <\/strong><\/em><a data-ct-non-breakable=\"null\" href=\"https:\/\/cointelegraph.com\/news\/crypto-adoption-one-cycle-away-5b-users\" title=\"null\"><em><strong>Crypto is one \u2018growth cycle\u2019 away from mainstream adoption, 5B users<\/strong><\/em><\/a><\/p>\n<h2>DeFi lending to capture more institutional participation from RWA collateral adoption<\/h2>\n<p>Binance Research sees DeFi lending protocols as growing facilitators of institutional participation, specifically due to the launch of institutional-grade products, such as Aave Labs\u2019 Horizon.<\/p>\n<p>Horizon is an institutional lending market that enables borrowers to use tokenized RWAs as collateral for stablecoin loans.<\/p>\n<p>Products like Horizon \u201caim to unlock new liquidity and convert RWAs into productive assets within the decentralized finance ecosystem,\u201d added the report.<\/p>\n<figure><img decoding=\"async\" src=\"https:\/\/s3.cointelegraph.com\/uploads\/2025-09\/01990f2a-3d9e-700d-a144-2561303b9700\" title><figcaption><em>RWA global dashboard. Source: <\/em><a data-ct-non-breakable=\"null\" href=\"https:\/\/app.rwa.xyz\/\" rel=\"https:\/\/app.rwa.xyz\/\" target=\"https:\/\/app.rwa.xyz\/\" title=\"https:\/\/app.rwa.xyz\/\"><em>RWA.xyz<\/em><\/a><\/figcaption><\/figure>\n<p>Tokenized financial products, such as private credit and US Treasury bonds, have become a focal point for institutions. Tokenized private credit represents the majority, or $15.9 billion, of the total $27.8 billion RWAs onchain, followed by $7.4 billion worth of US Treasurys, according to <a data-ct-non-breakable=\"null\" href=\"https:\/\/app.rwa.xyz\/\" rel=\"https:\/\/app.rwa.xyz\/\" target=\"https:\/\/app.rwa.xyz\/\" title=\"https:\/\/app.rwa.xyz\/\">data <\/a>from <a data-ct-non-breakable=\"null\" href=\"http:\/\/rwa.xyz\" rel=\"http:\/\/rwa.xyz\" target=\"http:\/\/rwa.xyz\" title=\"http:\/\/rwa.xyz\">RWA.xyz<\/a>.<\/p>\n<p><em><strong>Related: <\/strong><\/em><a data-ct-non-breakable=\"null\" href=\"https:\/\/cointelegraph.com\/news\/crypto-treasury-firms-100b-eth-treasuries-4b\" title=\"null\"><em><strong>Corporate crypto treasury holdings top $100B as Ether buying accelerates<\/strong><\/em><\/a><\/p>\n<p>Some RWA protocols enable the use of yield-bearing tokenized US Treasury products as collateral for multiple DeFi activities.<\/p>\n<p>Still, using US <a data-ct-non-breakable=\"null\" href=\"https:\/\/cointelegraph.com\/news\/tokenized-us-treasurys-increase-market-risk-vectors\" title=\"null\">Treasurys as collateral<\/a> for leveraged crypto trading created new risk transmission pathways across markets, such as cascading effects for DeFi protocols, according to a June report from rating service Moody\u2019s.<\/p>\n<p><iframe width=\"100%\" height=\"315\" src=\"https:\/\/www.youtube.com\/embed\/LY-sJgRaKrs?start=\" frameborder=\"0\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen loading=\"lazy\"><\/iframe><\/p>\n<p><a data-ct-non-breakable=\"null\" href=\"https:\/\/cointelegraph.com\/magazine\/ethereum-maxis-should-become-assholes-to-win-tradfi-tokenization-race\/\" title=\"null\"><em><strong>Magazine: Ethereum is destroying the competition in the $16.1T TradFi tokenization race<\/strong><\/em><\/a><\/p>\n<p><template data-name=\"subscription_form\" data-type=\"markets_outlook\" data-ct-non-breakable=\"undefined\" label=\"Subscription Form: Markets Outlook\"><\/template><\/div>\n<p><img decoding=\"async\" alt src=\"https:\/\/zoa.cointelegraph.com\/pixel?postId=213460&#038;regionId=1\" data-v-43e640e6><\/p>\n<\/div>\n<\/div>",
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