Lending has by far been the most important use case for onchain finance. Onchain lending brings a new dimension to how we think about liquidity, collateral, and risk management for credit, and these functions are governed by the market structures we design. In lending protocols, market structure defines how borrowing, lending, liquidity, collateral, and risk are organized. Common structures include pool-based or peer-to-peer markets, isolated or shared collateral markets, and fixed or variable interest rate systems. Aave itself evolved from fixed-rate peer-to-peer lending markets (then known as ETHLend) into pooled markets, and is now expanding into an all-in-one modular architecture with Aave V4. https://lnkd.in/gCGpuvhb
About us
Aave Labs is the original author and key contributor of the Aave Protocol and a software technology company founded by Stani Kulechov. The team builds blockchain-based products that power decentralized finance, including the Aave Protocol, the Aave-native stablecoin GHO, and Horizon, an institutional platform for borrowing against tokenized real-world assets. Aave is DeFi’s largest and most trusted lending protocol, where users can earn, borrow, save, and swap alongside millions of others worldwide.
- Website
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http://aave.com
External link for Aave Labs
- Industry
- Software Development
- Company size
- 51-200 employees
- Headquarters
- London, England
- Type
- Privately Held
- Specialties
- Blockchain, Ethereum, Fintech, Cryptocurrency, Smart Contracts, Finance, Technology, Payments, and DeFi
Locations
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Primary
Get directions
9 Pembridge Road
London, England W11 3JY, GB
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Get directions
32 Mercer St
New York, NY 10013, US
Employees at Aave Labs
Updates
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Introducing Mastercard Agent Pay for Machines, a new operating model for commerce. Aave is proud to be among the partners bringing this to life, providing the credit layer with the deepest liquidity for agents to borrow and earn. https://lnkd.in/eAYRjFaB
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Whop Treasury lets over 21 million businesses on Whop earn yield, powered by Aave on Plasma. Whop is a leading platform for online businesses, which makes this one of the largest embedded DeFi integrations ever. The tech stack is truly DeFi-native, built on Aave, Plasma, Veda, and USDT0. Read the case study: https://lnkd.in/gPkjAu82
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Aave Labs reposted this
Aave Labs <> Mastercard <> MetaMask The future of finance is not choosing between spending and saving. For the first time, users can earn yield on their digital dollars right up until the moment they spend them. Aave, MetaMask and Mastercard are bringing DeFi into everyday payments, turning wallets into spending accounts that continue to work for users in the background. This is what happens when open finance meets global payment rails. The gap between DeFi and daily life just got a lot smaller. Great to see this launch Christian Rau, Massimo Cervesato, Paul Wolf, Christoph Sulyok, Liz Bazurto and Daniel Lynch
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Welcome to Aave, Bitwise Asset Management. USCC is now called the Bitwise Crypto Carry Fund, which is a tokenized fund that earns yield through a market-neutral crypto basis strategy. Over $120 million USCC is already deposited on Aave Horizon. USCC was created by Superstate in 2024 and integrated with Aave Horizon in 2025. Yesterday, Bitwise became the fund's investment manager, while Superstate continues to run its onchain infrastructure.
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Aave Labs reposted this
Yesterday, we ran what may be the first DeFi borrowing transaction ever conducted on Capitol Hill. Senate staffers watched it settle onchain in real time without an intermediary. This is the kind of transparent system the CLARITY Act envisions. We put on the demo alongside Uniswap and Base, organized by the Blockchain Association and sponsored by the DeFi Education Fund. The point was to show policymakers what the technology already does, and why the certainty the CLARITY Act provides matters for building digital finance responsibly. We're grateful to every partner involved, and for the Senate's engagement on what comes next. Andrew S. #CLARITY #DigitalAssets #DeFi
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Aave Labs reposted this
Welcome Bitwise Asset Management to Aave Horizon. Over $120 million of Bitwise Crypto Carry Fund shares are currently being used as collateral on Aave's RWA market borrowing stablecoins at under 3%.
Introducing the Bitwise Crypto Carry Fund (USCC)—a $259 million tokenized fund* built to provide yield through a market-neutral “crypto basis” strategy. Current annual yield: 4%. Powered by Superstate FundOS. Available to qualified purchasers. More color on USCC: - Runs a market-neutral basis-trade strategy: Holds crypto assets like BTC, ETH, SOL, and XRP and sells those assets’ futures contracts to generate yield from the difference - Tokens accepted as collateral in major DeFi markets including Aave, Kamino, and Morpho—gives investors ability to borrow stablecoins against positions - Originally created by Superstate in 2024. Today Bitwise takes over investment management of the fund; Superstate will continue to run its onchain infrastructure. - Bitwise’s first-ever tokenized fund USCC couples Superstate’s best-in-class infrastructure with Bitwise’s long track record in crypto asset management. Thrilled to partner with a true onchain pioneer to continue expanding access to the full range of opportunities in crypto. Interested? Send us a message here or go to https://lnkd.in/eu9hDkmz *As of June 1, 2026
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Catch Aave Labs Founder and CEO, Stani Kulechov, at Proof of Talk. 📍 Louvre Palace, Paris on June 2-3 He's joining a panel with leaders from BlackRock, Robinhood, Swift, and Bloomberg on how to scale the distribution layer for tokenized markets. He's also doing a fireside chat on Aave V4 and what it takes to bring onchain lending to the masses. RSVP for Proof of Talk here: https://luma.com/vhxrflst
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