#onchain lending

[rwatimes]

Ripple unveils new XRP lending protocol

➤ Ripple has launched the XRPL Lending Protocol to enable institutional-grade lending and automated loan execution on the XRP Ledger. ➤ The protocol aims to bridge the gap in on-chain finance by allowing institutions to borrow against tokenized assets, separating credit assessment from on-chain execution. ➤ This initiative seeks to make digital assets more productive by providing standardized credit infrastructure, mirroring traditional finance practices for greater institutional adoption.

[rwatimes]

Ripple news: XRP Ledger moves to add onchain lending in latest moves

A proposed XRPL standard would let institutions borrow against tokenized assets, with the blockchain enforcing loan terms while the underwriting stays with human credit teams. It still needs validator approval to go live.

➤ Ripple proposes the XRPL Lending Protocol to enable institutions to borrow against tokenized assets on the XRP Ledger. ➤ The protocol separates credit decisions (off-chain) from loan mechanics enforcement (on-chain), aiming for predictable risk management. ➤ This initiative seeks to compete with existing DeFi lending protocols by offering a more institutionally-focused, network-level solution, pending validator approval.

[rwatimes]

Standard Chartered Extends Tokenization Thesis to Aave Lending

➤ Standard Chartered believes Aave could become a dominant onchain lending platform as tokenized assets integrate into DeFi. ➤ The bank forecasts significant upside for Aave, expecting tokenized RWAs to drive deposits and serve as collateral and liquidity sources. ➤ This outlook extends Standard Chartered's tokenization thesis to lending, with Aave potentially becoming a venue for borrowing against tokenized real-world assets.

[rwatimes]

Aave V4 enables direct onchain lending of tokenized stocks, cutting out brokers and boosting returns for asset holders.

Aave's upcoming V4 upgrade will allow users to lend tokenized stocks directly onchain, bypassing brokers who currently take 50-85% of borrowing fees. This move targets the $4.6 trillion global securities lending market, which generates $35 billion annually, by giving asset holders full access to borrowing revenue. The protocol also promises transparency, dynamic pricing, and eliminates rehypothecation risks. This expansion marks Aave's shift from crypto-only assets to traditional financial markets, aiming to offer a fairer, more efficient securities lending experience.

➤ Aave V4 will enable direct on-chain lending of tokenized stocks, bypassing traditional brokers. ➤ This initiative targets the global securities lending market, aiming to increase returns for asset holders by eliminating intermediary fees. ➤ The upgrade promises enhanced transparency, dynamic pricing, and reduced rehypothecation risks, marking Aave's expansion into traditional financial markets.

[rwatimes]

Aave aims to rebuild securities finance on V4

➤ Aave Labs plans to rebuild the multi-trillion dollar securities finance market onchain with the launch of Aave V4. ➤ Aave V4 aims to streamline securities-backed lending, repo, and securities lending by removing intermediaries and establishing a unified architecture. ➤ The initiative seeks to leverage blockchain efficiency to capture a significant portion of the traditional finance market currently operating without on-chain integration.

[rwatimes]

Abra bets on tokenized yield products ahead of Nasdaq listing

➤ Abra is preparing for a Nasdaq listing and expanding its offerings in tokenized yield products and onchain lending, targeting high-net-worth and institutional clients. ➤ Key products include USDAF (a yield-bearing dollar-denominated asset on Solana) and planned BTCAF (bitcoin-based yield), reflecting a shift towards integrated crypto banking services. ➤ The company's strategy aligns with Wall Street's growing focus on tokenizing real-world assets for liquidity, collateral, and DeFi integration.

[rwatimes]

Kraken Launches Bitcoin Vault As Crypto Platforms Race To Turn Bitcoin Into Yield-Bearing Infrastructure -

➤ Kraken has launched Bitcoin Vault, a new product designed to offer yield on Bitcoin holdings by integrating with DeFi protocols like Aave and Morpho. ➤ This move reflects a broader industry trend of transforming passive crypto assets into income-generating financial infrastructure, driven by institutional and retail demand for yield. ➤ Despite the potential for passive income, the product carries significant risks, including smart contract vulnerabilities and market volatility, and operates in an unregulated space.

[rwatimes]

As Private Credit Tightens, a New Onchain Consumer Lending Vault Is Bringing Emerging-Market Credit Onchain

➤ R25 has launched the Axil Consumer Credit Vault on Pharos, bringing emerging-market consumer lending onchain. ➤ The vault aims to provide institutional-grade credit with target yields of up to 15% APY. ➤ This initiative addresses the tightening of private credit markets by offering a new onchain lending solution.