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DeFi Closes Financial Divides with the Rise of Instant Cryptocurrency Lending

DeFi Closes Financial Divides with the Rise of Instant Cryptocurrency Lending

Bitget-RWA2025/10/28 15:38
By:Bitget-RWA

- Uphold partners with Exactly Protocol to launch instant crypto loans via Visa cards, enabling users to borrow against XRP, ETH, and stablecoins without traditional banking intermediaries. - The service, expanding to Latin America in December 2025, aims to democratize financial access by removing credit checks and offering 24/7 on-chain lending, addressing regional currency instability. - DeFi growth is supported by projects like Mutuum Finance (raising $17.8M) and security innovations such as Credifence’

Uphold, a prominent provider of on-chain financial infrastructure, has introduced a new feature in partnership with the Exactly Protocol, enabling users to either earn returns on or borrow against their crypto holdings. Announced on October 27, 2025, this initiative is seen as a major move toward making decentralized finance (DeFi) more accessible to the general public by streamlining the process of obtaining credit and liquidity, as reported by

. Customers are now able to use assets like , ETH, , and BTC as collateral for loans, which can then be spent using a Visa credit card—removing the reliance on conventional banks. Uphold CEO Simon McLoughlin highlighted that this service could broaden financial access, stating that "on-chain borrowing and lending is among the most valuable applications in crypto," though it has mainly been available to those with technical expertise. The new integration, he explained, eliminates obstacles such as credit checks and provides round-the-clock access with immediate fund release, according to Business Insider.

Scheduled to roll out in Florida and Latin America in December 2025, this service responds to the increasing need for digital asset solutions in areas where traditional banking is less developed. Gabriel Gruber, the founder of Exactly Protocol, described the collaboration as a key advancement toward establishing a "fully decentralized credit market," allowing users to obtain affordable loans while retaining ownership of their assets. The partnership also highlights DeFi’s role in mitigating risks from currency devaluation, which is especially significant in Latin America, where digital currencies are increasingly used as protection against economic instability.

DeFi Closes Financial Divides with the Rise of Instant Cryptocurrency Lending image 0

As DeFi continues to grow, security is a top priority. Credifence, a brand focused on consumer security, has recently introduced an RFID-blocking card to help prevent fraud in contactless payments. Its passive CyberShield technology blocks 13.56 MHz signals from payment cards, passports, and IDs, addressing growing concerns about digital identity theft, according to

. With contactless payments becoming more widespread globally, this product reflects the ongoing effort to balance technological innovation with privacy protection.

The expansion of the DeFi sector is also being fueled by strong venture capital investment. Coinbase’s $375 million purchase of Echo, a community-driven on-chain investment platform, and Pave Bank’s $39 million Series A funding round both demonstrate investor faith in blockchain’s ability to transform financial services. Mike Giampapa from Galaxy Ventures remarked that, despite recent market fluctuations, "the core outlook for the market is unchanged," with disruptions ultimately reinforcing on-chain infrastructure.

As these trends come together, DeFi is increasingly poised to close gaps in financial inclusion, delivering practical benefits through easy borrowing, yield opportunities, and improved security. For people in regions with limited access to banks, the move toward decentralized solutions is not only a technological leap but also a crucial step toward fairer financial systems.

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Disclaimer: The content of this article solely reflects the author's opinion and does not represent the platform in any capacity. This article is not intended to serve as a reference for making investment decisions.

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