2月26日消息，去中心化借贷协议Aave累计借贷交易量正式突破1万亿美元，成为首个达成这一规模的DeFi平台。Aave Labs首席执行官Stani Kulechov在社交平台确认了这一里程碑。该协议自2017年以ETHLend起步、2018年更名后持续扩张，目前已成为按总锁定价值（TVL）计算最大的去中心化借贷网络。
(来源: DefiLlama)
数据显示，Aave当前TVL约为272亿美元，显著领先于Morpho、JustLend、SparkLend及Compound Finance等竞争者。过去30天协议费用收入达到8330万美元，接近最邻近对手的四倍，反映其在链上借贷市场的主导地位。
机构布局成为增长的重要变量。2026年早些时候，Aave Labs推出面向传统金融机构的Aave Horizon，支持以现实世界资产作为抵押借入稳定币。VanEck、WisdomTree及Securitize率先参与，显示DeFi基础设施正向机构资本延伸。Kulechov还提到资产代币化潜力，预计到2050年包括能源与机器人在内的“富足资产”规模或达数十万亿美元，为协议扩张提供长期叙事支撑。
不过，社区治理层面出现分歧。一项DAO提案拟向Aave Labs提供最高4250万美元稳定币及7.5万枚AAVE代币，以换取品牌产品收入回流金库。围绕财务控制权与去中心化原则的讨论仍在持续。
价格表现方面，AAVE当前约117美元，过去一年跌幅超过40%，市值约18亿美元，市值与TVL比率低于0.1。部分分析人士认为，这一估值水平在历史周期对比下具有一定吸引力，但仍取决于协议收入增长与DeFi市场活跃度。未来AAVE能否受益于借贷规模扩张及机构化进程，将成为2026年观察去中心化金融赛道的重要风向标。
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