Crypto Long & Short: Why real-world assets need fixed-rate loans onchain
This article explores the necessity of fixed-rate lending in decentralized finance to support real-world assets. It argues that matching loan terms to collateral duration provides the stability required for institutional investors to participate in DeFi.
Why it matters
Fixed-rate lending is seen as a critical evolution for DeFi to transition from volatile crypto-native trading to stable, institutional-grade credit markets.
This is your institutional newsletter, Crypto Long & Short. This week:
…and if you’re looking for more institutional insights: ETF Central’s Trackinsight Global ETF Survey 2026 , produced with Calamos Investments and S&P Dow Jones Indices, finds nearly 7 in 10 professional investors are reassessing their ETF holdings.
Plus, CoinDesk’s latest Digital Assets Quarterly Report is out now.
by Peter Gaffney, co-founder, O2O Capital Partners
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