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The scale of the encryption lending market reached 36.5 billion USD, with significant growth in the Decentralized Finance sector.
Encryption Lending Market Report: Scale of $36.5 billion, Significant Growth in Decentralization Field
Recently, a report on the current status of the cryptocurrency lending market was released. The report comprehensively analyzes the development history, participants, scale, and main products of both on-chain and off-chain cryptocurrency lending markets.
The report indicates that by the fourth quarter of 2024, the total scale of the encryption lending market will reach 36.5 billion USD, a decrease of 43% from the historical high of 64.4 billion USD in the fourth quarter of 2021. The market composition is as follows:
It is worth noting that since the fourth quarter of 2022, on-chain lending applications have experienced strong growth. As of the fourth quarter of 2024, the total outstanding loans across 20 lending applications and 12 blockchains reached $19.1 billion, a 959% increase compared to eight quarters ago.
In the CeFi lending sector, the top three institutions are a stablecoin issuer, a cryptocurrency financial services company, and a lending platform, with a total loan size of $9.9 billion, accounting for 88.6% of the CeFi lending market. Among them, the stablecoin issuer has the largest share at 73%.
The report also reviewed the development history of the encryption lending market. After the late-stage bull market of 2020-2021, the market experienced an 18-month period of turmoil, with several large CeFi lending platforms going bankrupt. In contrast, DeFi lending applications demonstrated greater resilience, surviving and continuing to grow during the bear market.
Looking ahead, the report predicts that CeFi lending will trend towards institutionalization, with traditional financial institutions expected to enter the market. At the same time, on-chain private credit and DeFi innovations will also thrive. Overall, the encryption lending market is moving towards greater transparency and scalability, and is expected to become a core component of digital financial infrastructure.