{"id":46565,"date":"2025-09-03T19:55:31","date_gmt":"2025-09-03T12:55:31","guid":{"rendered":"https:\/\/hbbgroup.net\/defi-lending-rises-72-on-institutional-interest-rwa-collateral-adoption\/"},"modified":"2025-09-03T19:55:31","modified_gmt":"2025-09-03T12:55:31","slug":"defi-lending-rises-72-on-institutional-interest-rwa-collateral-adoption","status":"publish","type":"post","link":"https:\/\/hbbgroup.net\/zh\/defi-lending-rises-72-on-institutional-interest-rwa-collateral-adoption\/","title":{"rendered":"DeFi lending rises 72% on institutional interest, RWA collateral adoption"},"content":{"rendered":"
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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

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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

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

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

This explosive growth is attributed to DeFi lending protocols benefiting from accelerated institutional adoption of stablecoins and tokenized real-world assets (RWAs)<\/a>.<\/p>\n

\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

DeFi lending protocols, TVL, year-to-date chart. Source: Binance Research<\/em><\/figcaption><\/figure>\n

A significant portion of this growth was attributed to Maple Finance<\/a> and Euler<\/a>, which saw 586% and 1,466% rises, respectively.<\/p>\n

Related: <\/strong><\/em>Crypto is one \u2018growth cycle\u2019 away from mainstream adoption, 5B users<\/strong><\/em><\/a><\/p>\n

DeFi lending to capture more institutional participation from RWA collateral adoption<\/h2>\n

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

Horizon is an institutional lending market that enables borrowers to use tokenized RWAs as collateral for stablecoin loans.<\/p>\n

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

RWA global dashboard. Source: <\/em>RWA.xyz<\/em><\/a><\/figcaption><\/figure>\n

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 data <\/a>from RWA.xyz<\/a>.<\/p>\n

Related: <\/strong><\/em>Corporate crypto treasury holdings top $100B as Ether buying accelerates<\/strong><\/em><\/a><\/p>\n

Some RWA protocols enable the use of yield-bearing tokenized US Treasury products as collateral for multiple DeFi activities.<\/p>\n

Still, using US 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