The long and short crypto column explains why real assets need to have a fixed interest rate mortgage on the blockchain.

Fixed borrowing5.3% for a period of 30 days reduces the risk of interest rate volatility14% in real world asset markets.

Fixed-rate and term loans platforms such as Tenor Finance, Kamino, Term Labs and Loopscale offer interest rates tied to real products with one of Kamino's marketplaces offering a fixed loan5.3% for a 30-day revolving period using Figure's vehicle credit port as collateral. The structure allows institutional underwriters to scale up the size of their real world asset positions used by lending in order to increase position sizes without relying on floating rate mechanisms that could push up borrowing costs.14%

The floating interest rate squeezes the components of borrowing to enlarge a situation.

Borrowing to scale up positions on real-world assets that are then tokenized over almost any network also flows through a revolving interest rate pool, where the borrowing rate is determined by usage rates rather than by lenders negotiating prices on a case-by-case basis. A descriptive example would be an Aave line of credit interest rate.USDC From 4% to 14% when usage rates go from 92% to 100% in terms of yields JAAA gives returns between 4.5% and 5% and Maple's syrup USDC delivers 5.2% while loan rates USDC average one year above V Ethereum at 880003 4.56% leaving only 50 base points to work with.4.56%

The volatility of the utilization rate creates a risk for withdrawal.

Such borrowing rate fluctuations have either sidelined those wishing to use loans to scale up positions on real-world assets or limited them to only two-digit returns, which has narrowed considerably in comparison with total invested credit. Coin Metrics found a surge of daily utilization rates over US$2 billion and the KelpDAO rsETH leveraged event occurred in April,2026 causing Aave 's poolUSDC to remain at its maximum utilization rate,100% resulting in lenders having to pay higher interest rates for five days.14% Due to the product's complexity, it may take time from T1+90 to exceed that level, so lack of capital can cause traders to leave their position ahead of investors and thus fall short of reaching an interest rate benchmark.

Fixed-rate lending helps to match the duration of loans and assets.

Fixed-rate and term loans of course solve this problem, because the lender can match the loan's duration to a real-world asset's maturity as much as a bank that grants money 70% for the exchange value of invested credit. In fixed portions, platforms such as Tenor Finance, Kamino, Term Labs and Loopscale offer interest rates based on products like one marketplace by Kamino to lend at a fixed rate5.3% for a 30-day revolving period using Figure's automotive loan portals primarily as collateral when combined with lenders in order to scale up single click locations incorporating multiple transactions into a single transaction.

The amount of money that could be flowing into real world property markets.

A rebalancing5% of Sky's US$12 billion reserve fund and Ethena to a lending strategy for scaling positions on fixed-term, multi-cycle real world assets that tripled would account for US$600 million in equity ownership and demand for the real world asset.1.8 The billions of dollars before foundations, digital asset treasury companies and exchange platform Earn program will enable joint market expansion.