i think you are right. what sort of maturing still needs to happen? just more serious players and common use cases for loans?
The asset class gets bigger, more liquidity so less vol, so people don't need to have have so much spare collateral in case it rips down like 50%, specialised institutions that focus on a use case, home loans, car loans etc.
the more options, the more we can figure out a market rate for loans in each sector, IE 3% for homes, %5 for cars etc 10% for short term loan and also from a tech stand point escrow services that can support on-chain, lightning etc
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