#OnChainLendingSurge OnChainLendingSurge: Decentralized Lending or Centralized Irony?
The cryptocurrency world is on the verge of a new trend — on-chain lending. Sounds like a revolution? Yes, but only until you understand that it’s a new name for an old game.
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What is On-Chain Lending?
This is when instead of a bank, you borrow money from a smart contract. Does it sound safe? Don’t be too happy. Your lending “agent” is an algorithm that doesn’t know what empathy is and will harshly liquidate your assets if the collateral is a little “soaked” by a market drop.
In 2025, on-chain lending has become a must-have for crypto traders who want to live on the edge. You can leave your BTC, ETH or even NFTs as collateral. Yes, now your digital "monkey token" can provide you with real money, if you believe in its value more than your grandmother in hryvnia.
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Why has it become so popular?
1. Centralized banks look like dinosaurs.
You come to the bank and hear: "Fill out the form, wait a week." In DeFi, everything is simple: click-click, and you have money in your account. And then click - and your assets have been liquidated. Speed, friends!
