The Rollup

Stani Kulechov: Why Aave Will Have Trillions in TVL by 2030

8 snips
Nov 25, 2025
Stani Kulechov, Founder and CEO of Aave, shares his groundbreaking vision for decentralized finance's future. He discusses how Aave is on track to achieve trillions in total value locked by 2030, emphasizing its role as a crucial infrastructure for banks. Stani explains the Aave mobile app's strategy for mainstream adoption and delves into the innovative hub-and-spoke model in Aave v4. He highlights the importance of stability in DeFi, the scalability needs from Ethereum, and the collaborative design process involving ecosystem partners to ensure Aave's secure and resilient future.
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ADVICE

Mainstream Onramp Through Mobile UX

  • Make DeFi mainstream by hiding complexity with native on-ramps and self-custodial mobile UX.
  • Move funds from bank accounts into Aave with simple mobile flows to onboard non-crypto users.
INSIGHT

Embedded DeFi Creates A Liquidity Flywheel

  • Embedded DeFi will let banks use Aave as backend infrastructure while keeping their customer-facing apps.
  • More institutional nodes create a liquidity flywheel that lowers borrowing costs and attracts supply.
INSIGHT

RWAs Unlock 24/7 Liquidity

  • Tokenized traditional assets on-chain enable 24/7 access to liquidity and new collateral profiles.
  • RWAs let stablecoin lenders access traditional risk and expand lending markets on Aave Horizon.
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