A trillion-dollar market is beckoning, but most people are still watching from the sidelines — it's not that they don't want to borrow, they're afraid of liquidation.

Ledn estimates that the global Bitcoin collateralized consumer lending market could grow to $1 trillion in the next ten years, an increase of nearly 300 times, with potential demand still untapped. About 88% of respondents are willing to consider such loans, but only 14% have actually used them, creating a 6:1 gap. The current market is approximately $3 billion, with a peak of $73.6 billion expected by 2025. Obstacles include price volatility, forced liquidations, and regulatory uncertainty. Users prioritize reputation, custody security, transparency, and risk management over simply interest rates.