Anchorage Digital, in collaboration with Kamino and Solana Company, has introduced today a structure that facilitates institutional loans with Solana under federal custody. This new framework allows financial entities to use their staked assets (SOL) as collateral without the need to move them into external smart contracts or third-party protocols.
Through the integration of the Atlas management platform with the decentralized lending protocol Kamino, institutions can access immediate liquidity while keeping their assets at Anchorage Digital Bank. This initiative seeks to resolve the historical frictions between traditional finance and decentralized lending markets, offering a secure and supervised environment for corporate capital throughout the process.
Integration of DeFi protocols into federated crypto banking
On the other hand, Anchorage will act as the collateral manager, rigorously overseeing loan-to-value (LTV) ratios and operational margin requirements. In this way, investors continue to earn staking rewards, while the segregation of assets in qualified custody eliminates risks usually associated with direct exposure to Defi without the necessary institutional backing.
Likewise, the project is supported by Solana Company, the world’s second-largest SOL-based digital asset treasury. By holding 2.3 million units under this scheme, the entity demonstrates that it is possible to connect digital scarcity with banking solvency, fostering a much more robust institutional adoption within the digital finance ecosystem in the upcoming months of this year.
The relevance of this financial milestone lies in the ability of institutions to operate in onchain markets without compromising their internal compliance standards. By not requiring the movement of funds toward automated protocols, smart contract exploit risks are significantly mitigated, representing a major step toward the maturity of the digital financial infrastructure in North America today.
How does the legislative landscape influence the adoption of onchain lending?
Nevertheless, this innovation arises within a context of regulatory uncertainty in the United States, where the proposed CLARITY Act remains under intense debate. Therefore, the current administration has held meetings with industry leaders to define how to differentiate centralized intermediaries from decentralized systems, seeking a balance that protects the investor without stifling technical innovation in the country.
Integrating operational data, it is observed that the participation of public treasuries in these markets accelerates the convergence of real and digital assets. Consequently, the structure proposed by Anchorage allows institutional capital to flow toward lending protocols, ensuring that regulatory compliance is the foundation upon which future institutional loans with Solana will be built globally.
Regarding the impact on the sector, the possibility of obtaining credit without selling strategic assets strengthens the stability of current cryptographic treasuries. Thus, the collaboration between federated banks and decentralized protocols opens the door to a new generation of financial services, where network transparency is combined with the legal security of traditional regulated banking today.
As the U.S. Congress moves forward in defining standards for the sector, the success of these hybrid models will be decisive. Therefore, the market expects these operational solutions to provide the necessary clarity so that large investment funds can safely and efficiently interact with the most advanced liquidity tools of the modern digital economy.
Finally, the alliance between Anchorage and Kamino sets a precedent on how to integrate qualified custody with the agility of onchain markets. Although legislative challenges persist, the creation of infrastructures that respect asset sovereignty guarantees the integrity of the financial system while actively driving the development of more flexible and secure credit solutions.
