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More
DeFi 2026: The Reshaping of the Lending Ecosystem and Its Growth Drivers
Blockchain
DeFi
As stablecoins continue to scale and on-chain clearing and risk management mechanisms mature, DeFi lending is transitioning from a high-risk experiment into sustainable financial infrastructure. Compared with early models that relied heavily on narratives and incentives, the new generation of DeFi lending focuses more on interest rate stability, risk priceability, and capital efficiency, increasingly becoming the preferred gateway for institutional capital entering on-chain finance. From a financial-structure perspective, this course explains why DeFi lending has re-emerged as a core growth engine and the critical role it plays in the era of institutionalization.
About the Course
DeFi 2026: The Restructuring and Growth Drivers of the Lending Ecosystem is a structured course designed for intermediate learners. Centered on key topics such as lending protocol paradigms, interest rate formation mechanisms, risk management, and liquidation design, it systematically analyzes leading lending models including Aave, Morpho, and Maple. The course adopts a research-oriented approach rather than hands-on operational training, helping you understand how DeFi lending is evolving from a crypto-native application into an on-chain credit market with financial-grade stability—and how to identify its long-term growth logic for 2025–2026.
What You Will Learn
- Understand the financial essence of DeFi lending and its core differences from traditional money markets;
- Identify the key drivers behind the renewed acceleration of DeFi lending in 2024–2026: stablecoins, institutional capital, and changes in risk structures;
- Systematically compare major lending protocol paradigms: Aave (pool-based), Morpho (P2P optimization), and Maple (permissioned credit);
- Gain a deep understanding of how on-chain interest rates are formed and how they reflect risk, liquidity, and market expectations;
- Master the core risk mechanisms in DeFi lending, including collateral ratios, liquidation thresholds, liquidation incentives, and systemic risk;
- Understand the evolution of DeFi lending in the institutional era, including RWAs, stablecoin settlement, credit stratification, and long-term growth opportunities.
Course Content
Pre-Course Information
Supported Languages
简体中文
English
繁體中文
Suitable For
Intermediate
Instructors
Gate Learn
Official Team
Gate Exchange's educational platform covers a wide range of topics, including blockchain, popular projects, trading, finance, and more. It aims to provide those interested in the Web3 industry with the most comprehensive information possible to improve their knowledge.
Author
Max
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