Stani Kulechov
speaker
153 appearances
1 recordings
1 series
first heard Jun 2026
last heard 30 Jun
Stani Kulechov’s voice in public audio — every appearance, attributed to the second.
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recordings per month · last 12 monthsRecordings per month over the last 12 months — 1 in all, peaking in Jun 2026 with 1.
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In the past twelve months I I don't think I have met a bank that doesn't have a digital asset team and are thinking already uh all the way to DeFi and banks and asset managers are actually thinking of of of building products and what to launch.
Really good.
Really nice venue and uh great to be here.
Stable coins, uh regulation, uh liquidity, you know, all the things I love.
Yeah, I think the context for uh every iteration of the uh Aave protocol has always been um sort of the existing um context of uh where the state of the DeFi is at that point.
So uh we we built Aave as a as a uh lending protocol.
So the the way our Aave works if um uh there are people who are new to the DeFi space or uh or so is that you
Deposit um cryptographic assets, stable coins, eat uh or tokenized assets, um, and you can earn um interest, you can use them as a collateral, and then you can borrow as well.
So uh typically users go to Ave to earn yield on stable coins.
That is sort of like the uh the biggest use case, and and uh I would say 70% of the users that are using Aave are using for yield.
and then rest are actually the uh the the borrowers that that create the interest rate that then goes to the uh the depositors.
So um obviously DeFi has uh grown significantly over the years.
So uh when we started back in 2017, um you know the space was really, really small, even if we had less users than the uh this room today.
uh at that point and it was very experimental uh but the vision was big and uh with Ave um Ave had multiple uh generations so in twenty twenty we launched the first version and a year later we follow up with another uh Ave V two and V three sort of was our kind of like a state of the art uh uh protocol and uh focused mainly on uh capital efficiency, uh just building a a a really good
On-chain lending infrastructure that could be used with digital assets.
And RV4 was a a creation of this vision that in the future we might have a very diverse set of lending activities on chain directly.
And that might involve native crypto assets, Bitcoin and Ethereum, but it also might involve
More tokenized assets or um might involve um sort of uh lending without any sort of tokenization, lending to the real world effectively.
So we wanted to build something that is uh extremely modular, has um uh good risk controls, but it allows to extend the protocol into any use cases in the future.
That means that if we will have a new use case in the future, we don't need
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