Binance Research published a report detailing a 72% increase in decentralized finance lending volumes for August 2025, driven by institutional adoption of tokenized real-world assets (RWA) as collateral. The study tracked on-chain lending across major protocols such as Aave, MakerDAO, and Compound.
Institutions deployed over $15 billion in tokenized bonds, commercial paper, and mortgage-backed securities within DeFi lending markets. Stablecoin collateral ratios improved, with USDC and DAI facilitating low-cost borrowing and yield generation on RWA tokens. Analysts cite favorable regulatory guidelines and growing interoperability between CeFi and DeFi platforms as catalysts.
Key RWA lending products included tokenized short-term government debt and invoice financing protocols. Yield spreads ranged from 3.5% for secured bonds to over 8% for commercial receivables funding. Market makers provided liquidity via on-chain automated market makers and cross-chain bridges.
Binance Research forecasts continued growth in institutional RWA-led DeFi as clearinghouses and regulated entities join permissioned lending pools. The integration of cross-chain RWA solutions and compliance tooling is expected to attract further capital inflows, potentially doubling current volumes by mid-2026.
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