Bitcoin lenders say institutions want crypto credit to look more like TradFi

Institutional bitcoin lenders are shifting from complex DeFi structures toward traditional finance practices emphasizing custody transparency, standardized contracts, and clear risk controls. Panelists at Consensus 2026 said borrowers increasingly scrutinize collateral storage and rehypothecation practices following 2022 lending collapses. Future crypto credit growth depends on institutional confidence in predictable behavior and legal accountability rather than decentralization ideals.
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