Aave Reveals 3 Key Strategic Pillars for 2026: Aave V4, Institution-Focused RWA Market Horizon, and Mobile Aave App
2025.12.17 10:33:28
On December 17th, Aave founder and CEO Stani.eth took to social media to outline the decentralized finance (DeFi) protocol’s multi-decade vision: onboarding trillions of dollars in assets to Aave and bringing millions of new users onto blockchain networks.
Stani.eth noted this has been Aave’s most successful year to date, with peak deposits hitting $75 billion, $885 million in generated fees (accounting for 52% of all DeFi protocol fees—more than the sum of its next five competitors combined), and a current scale comparable to the top 50 banks in the U.S. Aave also holds 59% of the DeFi lending market share and 61% of all active DeFi loans.
Aave’s 2024 strategy centers on three core pillars: Aave V4, Horizon, and the Aave App.
Aave V4—a full redesign of the protocol—will position Aave as infrastructure for all financial activities, enabling it to support trillions in assets. By 2026, the team plans to partner with fintech firms, DAOs, and other stakeholders to steadily grow total value locked (TVL) throughout the year.
Horizon, a bridge for next-gen trillion-dollar assets, is Aave’s dedicated institutional-grade real-world asset (RWA) market. Eligible institutions can use tokenized assets like U.S. Treasury bonds and other credit instruments as collateral to borrow stablecoins.
The Aave App, the protocol’s flagship mobile application, aims to bring DeFi to the masses by abstracting complexity and delivering a user experience tailored to real-world economic needs. It will offer a best-in-market fiat-to-DeFi onboarding experience.
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