A 300-fold increase sounds frightening, but the real truth is the 6:1 willingness-to-use ratio gap—everyone wants to borrow but is afraid to, and rebuilding trust is much more difficult than technical challenges.

Crypto news reports that Ledn's new report states that in the next ten years, Bitcoin-backed consumer loans could grow to $1 trillion, an increase of nearly 300 times, due to demand for digital asset-backed lending far exceeding actual usage. 88% of respondents are considering using it, while only 14% are already using it, forming a 6:1 gap. The current market is about $3 billion, and overall crypto loans are expected to reach $73.6 billion by Q3 2025. The report also points out that rebuilding trust is the industry's biggest challenge, and borrower confidence infrastructure needs to be improved.