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Silicon Valley Bank: Bitcoin lending is entering a new institutional era.

MarsBitNews
Mars Finance News, according to CoinDesk, Silicon Valley Bank released a report stating that Bitcoin lending has entered a new institutional era after the 2022 crypto credit crisis, with stronger risk control, increased institutional participation, and a trend toward lower borrowing costs. Bitcoin is being regarded as a collateral asset with instant global liquidity, fast settlement, and fungibility. Currently, several major U.S. banks have already provided Bitcoin-backed credit services, with total crypto-collateralized loans up 49% year-over-year to $67 billion. Bitcoin lending platform Ledn estimates the current consumer BTC-collateralized loan market at about $3 billion, which could expand to $1 trillion in the next decade. The report points out that the collapses of Celsius, BlockFi, and Genesis in 2022-2023 exposed issues such as maturity mismatches and excessive leverage, making conservative underwriting and transparent risk management the foundation of the industry. Current Bitcoin-collateralized loan rates range from 7.5% to 16%, and Silicon Valley Bank expects that participation by banks and private credit funds will gradually narrow the spread.
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