According to reports from BeInCrypto, crypto executives are identifying lending as the most promising real-world application for digital assets. Fernando Aranda, Marketing Director at Zoomex, stated that while payments are already solved through stablecoins, the real upside lies in lending. As reported by BeInCrypto, Aranda explained that crypto turns collateral into a programmable asset, enabling instant, global credit without traditional gatekeepers. This approach allows borrowers with crypto holdings to unlock liquidity without selling assets, appealing to high-net-worth holders, crypto-native companies, and users in regions with limited formal credit access.
As reported by BeInCrypto, Aranda identified three essential requirements for crypto to support mainstream financial products: price stability, regulatory clarity, and trusted custody frameworks. According to the report, banks reject crypto not because they reject the technology, but because they reject volatility and legal uncertainty. The report emphasizes that once these factors are managed, crypto becomes just another form of collateral, not a special case. For mortgages specifically, lenders must assess income, repayment ability, property value, and collateral quality while managing the volatility of crypto holdings during market downturns.
According to BeInCrypto reports, Kevin Lee, Chief Business Officer at Gate, identified volatility as the core risk in bringing crypto into ordinary financial products. As reported, Lee warned that crypto introduces high volatility into financial products that rely on stability, making it much harder to set reliable haircuts, margin levels, and liquidation thresholds when collateral can move sharply within hours. The report highlights that liquidity fragmentation and price dislocations during stress periods can create additional risks, with execution quality potentially weakening when markets become volatile.
As reported by BeInCrypto, Aranda expects crypto-backed loans to evolve from their current wealthy asset holder base to become a mainstream credit layer, especially in underserved regions. The report indicates that the shift will move from creditworthiness to collateral efficiency, with the strongest near-term use cases likely coming from smaller credit products before housing finance. These products could include business credit, short-term liquidity, secured personal loans, or payment products linked to stablecoins, allowing them to test risk models with shorter durations and lower exposure before crypto becomes part of larger financial decisions.
