aave

Aave plans to launch a real-world asset (RWA) lending center on Avalanche, allowing institutions to borrow stablecoins using tokenized financial assets as collateral without having to sell their existing holdings. Tether's USAT will serve as the primary source of dollar liquidity.Since the launch of Aave V4 on Avalanche two months ago, the deposit scale has exceeded 20 million dollars.

Aave founder Stani Kulechov stated that after the Clarity Act failed to advance in the Senate, DeFi may need to take the "Uber path."The idea is to build products for millions of users, demonstrate the value of the technology, and make it so important that legislators have to find a way to regulate it.

Avalanche announced on the X platform that Aave will launch a dedicated RWA lending market on Avalanche. This RWA Hub will allow institutions to borrow stablecoins using tokenized financial assets as collateral, without having to sell their underlying positions.Tether's USAT will serve as the core of this market, providing the primary source of dollar liquidity and becoming one of its first major institutional use cases. Aave V4 has been live on Avalanche for just two months and has already attracted over $20 million in deposits. The RWA Hub expands this infrastructure to the tokenized financial market, enabling assets to be financed, collateralized, and utilized on-chain.

On September 14, Aave Labs released an ARFC on the Aave governance forum, seeking approval to deploy a new Aave V4 Isolated Hub and Spoke to integrate institutional custody collateral as collateral for stablecoin loans. Institutional borrowers will deposit collateral with Anchorage and maintain custody during the loan period, with the custody balance represented on-chain by non-transferable custody collateral tokens CoCT, minted and burned by CustodySync designed by Chainlink.Borrowers will stake CoCT on the Spoke and withdraw stablecoins from the Isolated Hub. The entire loan lifecycle, including liquidation, is synchronized between the custodian and Aave through Chainlink infrastructure. The proposal is limited to a single Isolated Hub and a single Spoke governed by the Aave DAO, without altering existing Hubs, Spokes, or reserves. The underlying assets will always remain in custody, with Anchorage holding the assets as the custodian and acting as the counterparty for account control protocols; Chainlink does not hold the assets.CoCT is a restricted transfer ERC-20, only allowing Hub, Spoke, and CustodySync, with minting and burning exclusive to CustodySync, and each borrower's position corresponding to a contract. The initial plan is to launch a CoCT for BTC held in custody by Anchorage. The next steps involve ARFC discussions, and if supported, it will proceed to Snapshot, followed by submitting the final parameters for AIP.

Aave founder Stani Kulechov stated that he has submitted comments to the UK HM Revenue and Customs, suggesting improvements to the tax positioning of cryptocurrency collateralized loans and stablecoins.At the same time, he advocates for allowing stablecoins to be included in UK Individual Savings Accounts (ISA) in the future, giving stablecoin lending users the opportunity to enjoy relevant tax benefits.

According to The Block, Aave has officially launched its official MCP server, allowing AI agents to access real-time protocol data from Aave V3 and V4 and prepare transactions.The server supports integration with MCP-compatible tools such as ChatGPT and Claude, enabling users to have control over transaction signature permissions.

According to on-chain analyst Yu Jin's monitoring, a whale holding 149,800 ETH worth $377 million through borrowing leverage sold 6,000 ETH four hours ago, exchanging it for 14.97 million USDe to repay a loan on Aave, with a selling price of $2,496.Currently, the whale holds 143,800 ETH worth $362 million and has a debt of $181 million on the lending platform, employing an overall leverage of 2 times.

According to Onchain Lens monitoring, in the past 24 hours, a certain whale accumulated 3.23 million PONS by buying with 913 ETH (approximately 2.26 million USD); bought 1.69 million CASHCAT with 160 ETH (approximately 392,000 USD); purchased 7,270 AAVE with 1 million USDC; and acquired 156,450 UNI with 850,000 USDC.

The Aave on-chain dashboard shows that the current active loan scale of Aave V4 is $216 million. The V4 deployment covers Ethereum, Optimism, and Avalanche, with Ethereum Core deposits at $378 million, EtherFi Cash on Optimism at $257 million, Ethereum Global Dollar at $75 million, and Ethereum Prime at $63 million.User deposits for Aave V3 still reach $31 billion, with Ethereum Core at $25 billion. Aave's documentation states that V4 adopts a hub-and-spoke system to centralize liquidity and accounting, and sets independent borrowing rules and risk limits for different markets.

The Aave on-chain dashboard shows that V4 user deposits have reached $806 million, a 30% increase over 7 days, setting a new historical high. On August 19, deposits surpassed $500 million, on August 21 surpassed $600 million, and then within six days surpassed $800 million; on August 25, Ethereum V4 deposits alone exceeded $500 million.V4 active loans reached $206 million, with the EtherFi market having active loans of $62 million, and weETH collateral supporting WETH lending, with a utilization rate of 92%. The current market covers Ethereum, Optimism, and Avalanche deployments: Ethereum Core holds $378 million, EtherFi Cash on Optimism is $257 million, Ethereum Global Dollar is $75 million, Ethereum Prime is $63 million, Avalanche Core is $18 million, and Ethereum Plus is $15 million.In terms of deposit composition, weETH leads with $97 million, USDG $90 million, WETH and USDC each $81 million, liquidETH $77 million, liquidUSD $58 million, and WBTC $54 million. In comparison, V3 deposits reached $31 billion, while V4 replaces V3's market-per-pool design with a hub-and-spoke system.

Aave began opening its iOS mobile application to early users on Wednesday, pushing its consumer savings product into early access, while Android and Web users still need to wait on the waiting list. Aave founder Stani Kulechov stated that the Ghost Pass allows users to invite friends to skip the waiting list.The app is positioned as a savings application, supporting bank account and stablecoin deposits, allowing users to connect bank accounts and debit cards, with stablecoin wallets supporting deposits and withdrawals on Arbitrum. Funds deposited generate returns through the public lending market, with assets supplied to the lending pool, and the interest paid by borrowers flowing to depositors. Aave Labs stated in July that there were about 50,000 registered users on the iOS waiting list.Aave describes the app as self-custodial, although it has login and recovery features similar to fintech applications. The app's terms state that the embedded wallet generates and stores private keys locally, and Aave Labs does not hold user assets or keys, managing wallet setup and gas through smart account abstraction. This release is part of Aave's initiative to expand retail distribution following the acquisition of Stable Finance in October 2025, with Stable Vaults now providing a savings layer for the Aave app and open to fintech companies seeking embedded stablecoin yields.

According to Gate market data, the price of AAVE has surpassed 130 USD, reaching a new high since February of this year. It is currently reported at 130.76 USD, with a 24-hour increase of over 4%.

According to Cointelegraph, the deposit scale of the V4 version of the decentralized lending protocol Aave is approaching $750 million. In the past week, this version has attracted over $300 million in inflows, showing significant deposit growth.As a mainstream DeFi lending platform, Aave's V4 upgrade continues to receive market attention, and the recent net inflows reflect users' recognition of the protocol's liquidity and functionality.

Aave V4's deposit size has surpassed 600 million USD, setting a new all-time high (ATH). Aave founder Stani Kulechov retweeted stating "Aave V4 crossed another ATH," and mentioned that he will "continue to invest in work."

EtherFi announced that the existing lending infrastructure of EtherFi Cash can no longer meet development needs. A dedicated Aave V4 instance is currently being deployed on the Optimism chain to support the credit card backend.EtherFi Cash currently has an active loan amount of 22 million USD, and it is expected that the lending capacity will reach 500 million USD by 2027. There are already 70,000 cardholders using cryptocurrency for consumption without the need to sell their cryptocurrency.

Ethereum developers proposed a "Tapered Issuance Burn" mechanism, planning to gradually burn a portion of the idealized rewards for validators as the ETH staking ratio increases; when the staking amount approaches 50% of the total supply, the net issuance of ETH will drop to 0%. The author of the proposal stated that the ETH staking ratio exceeded one-third of the total supply in April; if not adjusted, Jerome de Tychey indicated that by January 2028, the staking amount could exceed 70 million, accounting for more than 55% of the supply.Supporters believe that excessive staking may cause small independent validators to lose economic viability first, leading to staking concentration among custodial institutions and large service providers; the plan is proposed to be implemented over 18 months, with an additional approximately 6 months reserved for preparation before potential network upgrades. Aave founder Stani Kulechov stated that once the staking rate exceeds 50%, rewards will drop to 0%, and the uncertainty of returns may weaken institutional staking and DeFi demand. He pointed out that ETH lending strategies may be affected, and this proposal is still in its preliminary stage.

According to Onchain Lens monitoring, a certain whale staked 4,000 ETH through Lido 2 hours ago after being silent for 3 months, worth approximately 7.68 million USD, and received 4,000 stETH in return.Previously, this address supplied 1.216 million USDC to Aave, worth approximately 1.22 million USD.

Aave founder Stani Kulechov recently stated that SharpLink Gaming opposes Ethereum Improvement Proposal EIP-8363, claiming that SharpLink is one of the largest supporters and financial contributors to the Ethereum ecosystem. Stani mentioned that SharpLink executive Joseph Chalom raised some reasonable points regarding the feasibility and implementation timeline of the proposal.He also called on the community to "protect ETH staking," emphasizing that the interests and long-term impacts of staking ecosystem participants need to be fully considered when advancing improvements to the Ethereum protocol. EIP-8363 has recently sparked discussions in the Ethereum community, with related controversies mainly focusing on its potential impacts on the ETH staking mechanism, validator economic model, and ecological security. Community members are assessing the necessity of the proposal, its implementation pace, and the possible consequences it may bring.

According to OnchainDataNerd monitoring, Amber Group (@ambergroup_io) related addresses withdrew approximately $9.97 million in assets from Binance 10 hours ago, involving five types of tokens.This withdrawal includes 38.89 million ENA (approximately $3.58 million), 28,262 AAVE (approximately $2.52 million), 1,140 ETH (approximately $218,000), 2,017 BNB (approximately $120,000), and 59,202 LINK (approximately $490,000).