規模上看 1 兆美元！比特幣市場這座「沉睡金礦」，未來 10 年或迎 300 倍爆發

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In the cryptocurrency market, a "trillion-dollar" market that has yet to be fully tapped is quietly taking shape. A recent report by the crypto lending institution Ledn points out that as investor demand for "digital asset-backed financing" experiences explosive growth, the global Bitcoin personal mortgage loan market is expected to skyrocket nearly 300-fold over the next 10 years, surging from its current $3 billion to break through the $1 trillion mark. This forecast is based on an in-depth survey conducted by the consumer insights firm Protocol Theory between February and March of this year, covering 1,244 cryptocurrency holders in the United States and Australia. The study found that as many as 88% of respondents expressed a willingness to try cryptocurrency-backed lending or related credit products when in need of funds; however, only 14% of respondents are currently taking action and using such products. Ledn defines this data as a "6-to-1 conversion gap between consideration and adoption," which implies a massive, untapped blue ocean. According to Ledn's estimates, the current consumer lending market backed by Bitcoin is only about $3 billion. Looking at the broader picture, according to previous assessments by Galaxy Research, the overall cryptocurrency lending market (covering all coins and institutions) reached a historical high of $73.6 billion in the third quarter of 2025. In comparison, the lending potential of Bitcoin as a single asset clearly has vast room for development. However, the market's hesitation largely stems from historical trauma. In 2022, the crypto industry experienced an unprecedented "credit crisis." As coin prices collapsed and liquidity dried up, lending giants that once dominated the scene, such as Celsius Network, Voyager Digital, and BlockFi, faced bankruptcy or were forced to restructure. This storm not only caused billions of dollars in customer funds to vanish but also severely damaged investor trust in centralized lending institutions, prompting global regulatory authorities to strengthen oversight. Ledn's report points out that "rebuilding trust" is undoubtedly the most severe test currently facing the cryptocurrency industry. Ledn co-founder Mauricio Di Bartolomeo stated: "From a demand perspective, the problem has already been solved. What really needs to catch up now is the establishment of a 'trust infrastructure' that allows borrowers to feel at ease." The report analyzes that when compared to the massive scale of global digital asset holdings, the current cryptocurrency lending market is clearly underdeveloped. Data cited in the study shows that as of May 2 of this year, the total cryptocurrency market capitalization reached as high as $2.68 trillion, yet the scale of derivative lending applications is disproportionately small. The survey results also reveal that the real stumbling block hindering widespread adoption is not a lack of awareness or understanding of the products, but a "crisis of confidence." In the eyes of investors who have not yet borrowed, the most concerning obstacles, in order, are: the management difficulties brought about by the extreme price volatility of cryptocurrencies, liquidation risks, and the uncertainty of crypto lending in terms of legal regulation. When asked how they choose a lending platform, the respondents' attitudes also reflected the scars left by the market. Compared to product features or interest rates, investors now place more importance on a platform's reputation, the transparency of loan terms, asset custody protection mechanisms, and rigorous risk management capabilities. Ultimately, this report cleverly compares the concept of "cryptocurrency-backed lending" to "securities-backed loans" or "home equity loans" common in the traditional financial world: its core value lies in allowing investors who are long-term bullish on digital assets to flexibly cash out and obtain working capital without having to sell off their core holdings. From the perspective of traditional finance, Ledn compares this type of cryptocurrency-backed lending to "securities-backed loans" or "home equity loans" common in the traditional financial world, with the core value being that investors who are long-term bullish on the prospects of cryptocurrencies can obtain cash turnover without "selling off their long-term holdings."

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來源：區塊客

發佈：2026-05-25 06:55:10

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