2025-08-30
By 2025, the compliance sandbox of Hong Kong HashKey Exchange integrates zkSync 2.0 and Polygon, achieving a 200% increase in cross-chain lending transaction processing efficiency and a 90% reduction in Gas fees. Behind this practice, DeFi lending is evolving from a single on-chain protocol to a full-chain financial ecosystem through technological innovation and model reconstruction.
Zero-knowledge proof (ZK) technology is reshaping the lending process. XBIT's cross-chain clearing engine, combined with ZKRollups, reduces the gas cost of cross-chain lending between COMP coins and 12 public chain assets to below $0.0004, intercepting over 2200 potential attacks on a daily basis. ZkTLS technology allows users to prove credit data on the chain without exposing privacy. Projects such as 3Jane are using this technology to develop low-collateral lending products and promote the implementation of on-chain credit scoring systems. HashKey Exchange's DeFi aggregator reduces the cross-chain transaction rollback rate from 15% to 3% by 2025 through ZK Technology Implementation anonymous asset verification.
Cross-chain protocol breaks asset silos. Soul Protocol achieves direct lending of multi-chain native assets through LayerZero. Users can deposit ETH in Arbitrum and instantly borrow USDT in Avalanche without bridging assets. The full-chain currency market built by Radiant (RDNT) integrates the liquidity of chains such as Ethereum and Solana. By 2025, the transaction volume will exceed 4.50 billion US dollars, and the dynamic optimization algorithm of the collateral rate will reduce the clearing risk by 60%. The cross-chain gateway of HashKey Exchange integrates multi-chain nodes, and the efficiency of cross-chain transaction strategy formulation will increase by 200% in 2025, but the maintenance cost will increase by 300%.
Institutional-level lending platform accelerates landing. VAX (VaultX) allows institutions to borrow USDC with tokenized US bonds as collateral through the US MSB license compliance framework, with an annualized return of 5%, attracting more than 200,000 COMP coins to be locked. HashKey Exchange's compliance sandbox supports hybrid verification of PoW and PoS chains, processing cross-chain securities publishing for more than $1 billion in 2025, and settlement time is shortened from T + 2 to real-time.
NFT is becoming a new collateral for lending. BendDAO supports blue-chip NFT collateral loans. Users can borrow Bored Ape Yacht Club NFT as collateral to borrow DAI, and the collateral rate is dynamically adjusted to 40% of the floor price. The non-fungible debt position (NFDP) launched by reNFT allows users to split NFT debt into ERC-20 token transactions, improving liquidity. The NFT market of HashKey Exchange integrates multi-chain interfaces. By 2025, cross-chain NFT lending will account for 65%, but smart contract audit costs will account for 40% of the development budget.