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$36.5 billion encryption lending market, with Decentralized Finance lending strong rise accounting for 63% share.
Encryption Lending Market Status Report: Scale of 36.5 Billion USD, Decentralized Finance Significant Rise
Recently, a report on the cryptocurrency lending market has attracted widespread attention within the industry. The report provides a comprehensive analysis of both on-chain and off-chain cryptocurrency lending markets, including market history, participants, scale, and the operational mechanisms and risks of various lending products.
Key Findings
As of the fourth quarter of 2024, the total size of the encryption lending market is $36.5 billion, a 43% decrease from the peak of $64.4 billion in the fourth quarter of 2021. The market composition is as follows:
Decentralized Finance lending has rebounded strongly from a low of $1.8 billion in the fourth quarter of 2022, rising 959% over eight quarters.
Market Landscape
Cryptocurrency lending is primarily provided through two channels: CeFi and Decentralized Finance.
CeFi includes:
Decentralized Finance includes:
![Galaxy encryption lending market report: market size 36.5 billion USD, significant rise in the DeFi field])https://img-cdn.gateio.im/webp-social/moments-25df024b299e63487c385a7496598d62.webp(
![Galaxy encryption lending market report: Market size of 36.5 billion USD, significant rise in the DeFi sector])https://img-cdn.gateio.im/webp-social/moments-2608876c4a2e3d49844aecd448fe6331.webp(
Market Evolution
Between 2022 and 2023, multiple large CeFi lending platforms went bankrupt, leading to a significant contraction in market size. Meanwhile, DeFi lending applications demonstrated strong resilience, with market share rising from 34% to 63%.
![Galaxy encryption lending market report: market size of 36.5 billion US dollars, significant rise in the DeFi sector])https://img-cdn.gateio.im/webp-social/moments-fed77054bea00b62d3eabef12d553f5d.webp(
![Galaxy encryption lending market report: Market size is 36.5 billion USD, significant rise in the DeFi sector])https://img-cdn.gateio.im/webp-social/moments-6e8e94aec9ed60876d5491f8ba11364d.webp(
![Galaxy encryption lending market report: market size 36.5 billion USD, Decentralized Finance field rise is evident])https://img-cdn.gateio.im/webp-social/moments-787c1dee114a2ceafef2d52652a3bd7a.webp(
![Galaxy encryption lending market report: market size 36.5 billion USD, Decentralized Finance field rise is evident])https://img-cdn.gateio.im/webp-social/moments-6d306d6812c22c8a18fbf69d833142be.webp(
![Galaxy encryption lending market report: Market size 36.5 billion USD, Decentralized Finance sector shows significant rise])https://img-cdn.gateio.im/webp-social/moments-9fdaefd5967699aa517191864887f96c.webp(
![Galaxy encryption lending market report: market size 36.5 billion USD, Decentralized Finance sector shows significant rise])https://img-cdn.gateio.im/webp-social/moments-21c61329e8cb86f1d3188b2a4446d34a.webp(
Future Trends
CeFi lending institutions: Traditional financial institutions entering the market, Bitcoin ETF promoting leveraged trading
The rise of on-chain private lending: Tokenized debt instruments enhance transparency
Decentralized Finance institutionalization and innovation: institutions accelerate adoption, centralized companies build on DeFi protocols.
![Galaxy encryption lending market report: Market size 36.5 billion USD, noticeable rise in the DeFi field])https://img-cdn.gateio.im/webp-social/moments-f8d70f6cbf74928fc566b7e1695da441.webp(
![Galaxy encryption lending market report: market size 36.5 billion USD, significant rise in the DeFi field])https://img-cdn.gateio.im/webp-social/moments-9ce8dcb996e1f655fd89950c0068b25b.webp(
Conclusion
The encryption lending market is showing a differentiated trend, with a noticeable rise in the Decentralized Finance sector. The entry of traditional finance brings both opportunities and challenges. In the future, the lending market will develop towards transparency and scalability, becoming a key component of digital financial infrastructure.