- Horizon enables institutional borrowing of stablecoins secured against tokenised Treasuries and structured credit assets.
- Supported assets include Superstate funds, Circle’s yield products, and Centrifuge’s tokenised loan portfolios.
- Regulatory controls are applied at the token issuer level, ensuring compliance with institutional requirements.
Aave Labs has introduced Horizon, a lending platform designed for institutional borrowers to access stablecoin loans secured by tokenised real-world assets. The service allows qualified users to obtain stablecoins such as USDC, RLUSD, and Aave’s native GHO, using assets including tokenised US Treasuries, corporate bonds, and collateralised loan obligations as collateral.
The platform supports collateral from several issuers, including Superstate’s short-duration US Treasury and crypto carry funds, Circle’s yield fund, and Centrifuge’s tokenised products like JAAA and JTRSY. Other launch partners include VanEck, Securitize, Hamilton Lane, WisdomTree, Ant Digital Technologies, Ethena, OpenEden, and Chainlink.
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What Makes Horizon Different
Horizon is built on a permissioned version of Aave V3 and incorporates regulatory controls at the token level while keeping its stablecoin markets open and composable. Collateral tokens are permissioned by issuers, ensuring compliance, while stablecoin lenders do not require permission to participate.
Borrowers can pledge tokenised securities and borrow stablecoins on demand, with liquidity designed to be predictable and accessible at any time.
Chainlink’s data services supply real-time valuations for tokenised funds via tools such as NAVLink and Onchain NAV. These data feeds ensure collateral is accurately priced and loans remain overcollateralised.
Aave Labs states that Horizon aims to unlock the potential of the tokenised asset market, which currently holds more than US$25 billion (AU$38.38 billion) on-chain but has limited use in decentralised finance.
The company sees this as a step towards integrating traditional financial products such as bonds and Treasuries with blockchain-based lending, opening new avenues for institutional capital deployment.
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