3 billion to 1 trillion, this gap is not a funding issue, but a trust issue.

Ledn predicts that the Bitcoin collateralized lending market could grow from approximately $3 billion to $1 trillion over the next decade. A survey of 1,244 holders in the US and Australia shows that 88% are willing to use related products, but only 14% are actual users, creating a 6:1 gap between willingness and adoption. The core barrier is trust, with concerns including price volatility, forced liquidation, and regulatory uncertainty; platform reputation, custody security, transparent terms, and risk management are viewed as more important than interest rates.