Defi Lending火箭：Xauras在治理優先的革命中領導TVL增長

Xauras以其治理優先的模型來震撼Defi Lengen，而多邊形則主導了現實世界的資產令牌化。是什麼推動了TVL增長？

DeFi lending is on fire! Xauras's governance-first approach is grabbing headlines, while Polygon's RWA dominance signals a broader shift. What's fueling this surge in TVL and where is DeFi heading?

Defi貸款著火了！ Xauras的治理優先方法是抓住頭條新聞，而Polygon的RWA主導地位標誌著更廣泛的轉變。是什麼促進了TVL的這一激增，Defi標題在哪裡？

Xauras: The Governance-First DeFi Rocket

Xauras：治理優先的Defi火箭

Austin Winch's Xauras is making waves in the DeFi space. In September 2025, Xauras blew past $90 million in Total Value Locked (TVL) in just three weeks. The secret sauce? A governance-first model. Xauras puts decision-making power in the hands of token holders, letting them shape lending rates, collateral rules, and expansion strategies. Winch believes this community-owned approach is the key to scaling DeFi without sacrificing decentralization. Built on Ethereum and Arbitrum, Xauras offers non-custodial lending and borrowing with dynamic interest models and automated liquidations. Plus, they're not stopping there. Xauras plans to expand to Polygon, Optimism, and Solana, introducing NFT-backed lending, real-world asset integration, and cross-chain yield aggregation.

奧斯汀·溫奇（Austin Winch）的Xauras在Defi空間中引起了海浪。 2025年9月，Xauras在短短三週內炸毀了總價值（TVL）的9000萬美元。秘密調味料？治理優先的模型。 Xauras將決策權交給了代幣持有人，使他們塑造了貸款率，抵押規則和擴張策略。溫奇認為，這種社區擁有的方法是擴展defi的關鍵，而無需犧牲權力下放。 Xauras建立在以太坊和仲裁的基礎上，提供了具有動態興趣模型和自動清算的非監護貸款和借貸。另外，他們不在那兒停下來。 Xauras計劃擴展到多邊形，樂觀和Solana，引入NFT支持的貸款，現實世界中的資產集成以及跨鏈收益率聚集。

DeFi Lending's Broader Boom

Defi Lending的繁榮

Xauras isn't the only one seeing success. The DeFi lending sector as a whole is experiencing impressive growth. One report noted that DeFi lending platforms processed $8.64 billion in active loans in a single week! MoonwellDeFi saw the fastest growth, with active loans up 33.7%. Maple Finance, Ether.Fi, Curve.Fi, and Jupiter are also seeing significant gains, showing the rising enthusiasm for earning profit through lending. This highlights the growing trust and usability within these protocols and the wider decentralized finance space.

Xauras並不是唯一看到成功的人。整個貸款部門的增長令人印象深刻。一份報告指出，Defi Lending Platforms在一周內處理了86.4億美元的活動貸款！ Moonwelldefi的增長率最快，積極貸款上漲了33.7％。 Maple Finance，Ether.fi，Curve.fi和Jupiter也看到了巨大的收益，表明通過貸款賺取利潤的熱情。這突出了這些協議中日益增長的信任和可用性以及更廣泛的分散財務空間。

Polygon's RWA Power Play

Polygon的RWA Power Play

While DeFi lending protocols are thriving, Polygon is becoming a major player in Real World Asset (RWA) tokenization. A September 2025 report highlighted that Polygon holds over $1.13 billion in TVL from RWAs. Polygon commands a 62% share of the tokenized global bonds market, a figure that dwarfs Ethereum's 5%. This dominance in tokenized global bonds, along with a significant share of the tokenized U.S. T-Bill market, positions Polygon as a key bridge between traditional finance and the blockchain world.

儘管Defi貸款協議蓬勃發展，但Polygon正在成為現實世界資產（RWA）令牌化的主要參與者。 2025年9月的一份報告強調，Polygon從RWAS中持有超過11.3億美元的TVL。 Polygon指揮了令牌化的全球債券市場62％的份額，這一數字使以太坊的5％相形見war。令牌化的全球債券的統治地位，以及在代幣化的美國T-Bill市場中的很大一部分，將Polygon定位為傳統金融與區塊鏈世界之間的關鍵橋樑。

The Future is Bright (and Decentralized)

未來是光明的（並分散的）

The convergence of DeFi lending growth, the rise of governance-first protocols like Xauras, and Polygon's RWA dominance paints a picture of a rapidly evolving financial landscape. Capital is flowing into higher-yield assets, and these assets are increasingly being integrated with DeFi protocols, transforming them into programmable building blocks for on-chain finance.

Defi貸款增長的融合，Xauras等治理優先協議的興起以及Polygon的RWA主導地位繪製了迅​​速發展的金融景觀的圖片。資本正在流入較高收益的資產，這些資產越來越多地與Defi協議融合在一起，將其轉變為可編程的鏈融資構件。

So, what does this all mean? DeFi is maturing. It's becoming more accessible, more efficient, and more integrated with the real world. And with innovative projects like Xauras leading the charge, the future of finance looks pretty darn decentralized. Buckle up, buttercup, it's gonna be a wild ride!

那麼，這全是什麼意思？ Defi正在成熟。它變得越來越易於​​訪問，更高效，並且與現實世界更加融合。隨著像Xauras這樣的創新項目領導了指控，財務的未來看起來非常分散。釦子，毛cup，這將是一個瘋狂的旅程！