Finance is being pulled apart by the forces of frontier technology. From AI, to blockchain and DeFi, mixed reality, chatbots, neobanks, and roboadvisors — the industry will never be the same. Here is the blueprint for navigating the shift.
All content for The Fintech Blueprint is the property of Lex Sokolin and is served directly from their servers
with no modification, redirects, or rehosting. The podcast is not affiliated with or endorsed by Podjoint in any way.
Finance is being pulled apart by the forces of frontier technology. From AI, to blockchain and DeFi, mixed reality, chatbots, neobanks, and roboadvisors — the industry will never be the same. Here is the blueprint for navigating the shift.
Forty Billion Reasons to Trust the Future of DeFi, with Aave Founder Stani Kulechov
The Fintech Blueprint
42 minutes 43 seconds
5 months ago
Forty Billion Reasons to Trust the Future of DeFi, with Aave Founder Stani Kulechov
Lex chats with Stani Kulechov - founder and CEO of Aave, a leading decentralized finance (DeFi) protocol. They explore the evolution of DeFi, Aave’s growth, and its architectural shift from a peer-to-peer model to pooled liquidity. Stani reflects on the early days of DeFi, the impact of the FTX collapse, and the increasing adoption of DeFi over centralized exchanges. They discuss Aave’s strategies for attracting assets, the importance of capital efficiency, and future innovations, including the tokenization of real-world assets and the role of stablecoins.
Notable discussion points:
1. Aave Reaches $40 Billion in Net Deposits: Stani Kulechov shared that Aave has achieved a record-breaking $40 billion in net deposits and $25 billion in active liquidity, making it the largest DeFi lending protocol ever by total value locked (TVL).
2. DeFi’s Evolution from Peer-to-Peer to Liquidity Hubs: The conversation detailed Aave’s architectural shift from early peer-to-peer lending models to pooled liquidity and now to a hub-and-spoke model with Aave V4 — designed to balance capital efficiency and risk segregation for both native crypto and real-world assets (RWAs).
3. The Rise of Real-World Assets and Stablecoins in DeFi: Kulechov emphasized that tokenized real-world assets (like treasuries) and decentralized stablecoins (such as Aave's GHO) are reshaping the DeFi landscape, predicting RWAs will outgrow both stablecoins and native crypto assets in total value locked within five years.
MENTIONED IN THE CONVERSATION
Topics: Aave, Lens Protocol, GHO, Horizon, FTX, Project Guardian, AaveDAO, MakerDAO, Web3, DeFi, Lending, stablecoins, tokens, RWA, decentralized finance, capital markets, DAO, Digital Assets
ABOUT THE FINTECH BLUEPRINT
🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2
🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV
👉 Twitter: https://twitter.com/LexSokolin
TIMESTAMPS
1’11: DeFi at $40B: How a Lending Protocol Redefined Blockchain Finance
9’06: From Peer-to-Peer to Liquidity Hubs: Evolving the Architecture of DeFi Lending
15’01: DeFi's Growth Curve: From Airdrops to Institutional Adoption After FTX
20’49: Scaling Safely: How a Lending Protocol Outpaced Rivals Through Capital Efficiency and Brand Trust
24’34: Beyond Infrastructure: Why Token Issuers Need Capital Markets, Not Just DeFi Hype
28’33: Building Beyond Lending: How a Stablecoin and Institutional Arm Power DeFi Profitability
31’33: From JPMorgan to BlackRock: How Horizon Bridges Institutions to On-Chain Finance
35’18: Tokenized Treasuries and the Future of DeFi: Why RWAs Will Eclipse Stablecoins by 2030
39’36: From Fragmentation to Focus: Why DeFi’s Future Depends on Application Layers, Not More Chains
41’47: The channels used to connect with Stani & learn more about Aave and Avara
The Fintech Blueprint
Finance is being pulled apart by the forces of frontier technology. From AI, to blockchain and DeFi, mixed reality, chatbots, neobanks, and roboadvisors — the industry will never be the same. Here is the blueprint for navigating the shift.
