2025 এর প্রতিষ্ঠানগত DeFi বুম

2025-এ DeFi-এর ‘প্রতিষ্ঠানগত’ গুঞ্জন

আমি। NYC-এ Columbia-এ Fintech Analyticalভাবে, DeFi-এর ‘ভয়াবহ’পরিবর্তনটি देखছি — 2025-এ Regulatory Reset। SEC SAB 121-এর Repeal - Bankerদেওয়া client crypto on balance sheet-e hold करা मान्य होয়ा।

আমি Coinbase-তে Audit-karne time institution interest explosion dekhechi।

Regulatory Shifts Fuel Real Financial Integration

GENIUS Act May–e Senate e overwhelming support er sathe passed — Web3 evangelist er karon nai; Wall Street er fear of being left out। Stablecoins must be backed 1:1 cash or Treasury bills with KYC/AML from day one।

Decentralization for decentralization’s sake nai; compliance-as-a-feature now.

Cantor Fitzgerald just closed its first on-chain BTC loan via Maple Finance — earning 4–6% APY bypassing legacy intermediaries. Not demo; real money.

Credit is the New Collateral (And That Changes Everything)

Over-collateralized loans were innovation? Meet Sybil-resistant credit models via zk-proofs and FICO-like scores through 3Jane.

Institutions aren’t just borrowing — they’re doing structured finance. Maples’ CLOs split risk into tranches using smart contracts that auto-enforce terms. No more trust-based legal agreements.

Aave’s Umbrella module + Opium’s CDS = transparently priced default risk, instantly executable on-chain.

DeFi stops looking like playground and starts resembling actual financial system.

The New Infrastructure: High-Dimensional AMMs & Modular Stablecoins

Traditional AMMs like Uniswap V3? Retail traders for. $10M move across stablecoins, LSDs, RWA tokens simultaneously? Slippage kills returns.

Enter Orbital AMM — Paradigm’s high-dimensional model using spherical geometry to minimize price impact in single pool. Better than Solana’s multi-pool hacks; fundamentally more efficient.

Spark (MakerDAO Endgame) isn’t chasing TVL alone — built for yield sustainability. $500M allocated to Maple Finance partnerships generating consistent 10–17% return via structured lending pools backed by real-world collateral dynamics.

RWA token ONDO surged after funding rounds from U.S.-based firms because this was what they wanted: regulated access to tokenized assets without losing liquidity or transparency.

Where HTX Fits In (Spoiler: At the Front Lines)

The firehose of data from HTX Research shows this isn’t PR fluff: • UNI +31%, RAY +39% on EVM/Solana DEXs • AAVE & SNX up 13% • LINK +10% • Sui projects like BLUE & CUTES seeing early momentum post-listing The platform didn’t guess these trends — identified through chain analytics before most investors knew ‘RWA’ beyond ‘real estate tokens’. The truth? Future of finance isn’t decentralized despite regulation—it’s decentralized because of it.

TL;DR: If your portfolio lacks exposure to institutional-grade DeFi protocols—especially those with credit rails, compliant stablecoin integration, and high-efficiency AMMs—you’re not investing; you’re spectator betting.