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Ready to help secure one of the most trusted protocols in DeFi? The Aave V4 Contest starts Monday, December 1st, with rewards up to $300k. V4 introduces a Hub and Spoke architecture, bringing new design paradigms to Aave, each with its own set of benefits. Just audit Aave.

582,502 views • 7 months ago •via X (Twitter)

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🎙️New pod just dropped! I sit down with my old friend Stani, Founder of Aave Labs, to deep dive into Aave v4 and its biggest updates compared to v3. This is Ep. 1 of a new series where I analyze the evolving architecture of onchain lending markets and their impact on DeFi. Just as onchain spot trading evolved from p2p models like EtherDelta to pooled AMMs like Uniswap v2—and now to modular designs like Uniswap v4, built as lower-level protocols for sophisticated actors to run custom strategies without fragmenting liquidity—lending is following a similar path. ETHLend struggled to scale its p2p fixed-rate lending approach and lacked sophisticated actors building on top of the protocol to abstract this complexity. Aave v1 introduced pooled liquidity, making it easier for retail users to borrow and lend using the same strategy dictated by the Aave DAO. Now, Aave v4 marks a new phase: a modular hub-and-spoke design for deploying bespoke credit markets. 🧩 Hubs = Capital allocators that determine rates & provide credit lines 🛠️ Spokes = isolated, configurable lending strategies that draw capital from a Hub Use cases range from RWAs to fixed-rate credit to looped LP vaults (e.g., strategies pioneered by Arrakis on Uniswap v3 + MakerDAO). Critically, Aave evolves from a vertically integrated DAO—the sole allocator of protocol capital—into a permissionless platform where institutions (e.g., BlackRock) and DAOs can co-allocate capital alongside Aave itself. This is the beginning of a modular credit layer for all of DeFi. 🎧 Listen here: 📺 Watch here: 📖 Aave v4 proposal:

Hilmar

26,014 views • 11 months ago

.Mario Baxter Cabrera is the founder of Stable, a consumer savings app built on DeFi that Aave labs acquired and is now scaling as Aave App. Mario was a machine learning engineer at Meta before leaving to build in crypto. Stable let everyday users earn DeFi yields without needing to understand the technology underneath, and he grew it to 10,000 users through the Alliance DAO accelerator before joining Aave as VP of Product. The Aave App is a consumer savings and spending product designed for the 4 billion people worldwide who use fintech products but have never used DeFi. It offers stable savings rates, balance protection insured up to $1 million per customer. Behind it sits Aave V4 with a hub and spoke lending model, Aave Horizon for real world assets, and Aave Pro for regulated deposits and withdrawals. Mario's conversation with Drew Rogers: 3:30 - From machine learning at Meta to building on stablecoins 6:05 - Alliance DAO and his first introduction to Aave 8:05 - How he's building for users who've never made an onchain transaction 9:49 - 10,000 users, $2,500 average balances, and what Stable learned 12:27 - The fintech test for crypto products 14:35 - Aave's evolution from ETH Lend to V4 17:20 - How the hub and spoke model changes onchain lending 18:57 - Why DeFi hasn't added net new users since the last bull cycle 22:01 - What Aave App offers everyday users worldwide 23:55 - The card strategy: earning yield until the moment you spend 26:52 - Why variable rates confused everyday users and the fix 29:18 - Multi-chain vaults and abstracting gas fees 31:10 - Why more education won't fix user trust 32:38 - Aave Horizon: real world assets as lending collateral 36:19 - Founder mentality inside a large protocol 38:46 - Rewriting Stable's codebase while running out of money 41:53 - 12 month vision for Aave App and V4 Episode 0051. Presented to you by Altitude

Stabledash

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