Cross-Chain Lending: Expanding Investment Horizons in the Multichain Era

The decentralized finance space is evolving rapidly, driven by innovation and a desire to make financial services more open, efficient, and inclusive. Lending and borrowing protocols lie at the heart of this transformation. Now, with the emergence of cross-chain infrastructure and real-world assets (RWAs), the next phase of growth is clear: borderless, asset-rich lending ecosystems. That’s why Landshare is partnering with Defactor to help shape the future of cross-chain lending.

Why Lending and Borrowing Matter in DeFi

At its core, lending in DeFi allows users to unlock liquidity from idle assets, while borrowing offers strategic leverage or access to needed capital without selling holdings. This creates a dynamic ecosystem of passive income, capital efficiency, and permissionless access. Unlike traditional finance, DeFi lending is transparent, fast, and non-custodial.

The Rise of Real-World Assets in Lending Markets

Tokenized RWAs like real estate are transforming DeFi. Platforms like Landshare make it possible to use real property as blockchain-based collateral, bringing stability, transparency, and yield into the digital finance realm. RWA-backed lending diversifies risk and invites more conservative capital into the space.

Cross-Chain Lending: What It Is and Why It Matters

Cross-chain lending allows users to lend or borrow assets across different blockchain networks. For example, a user might supply Landshare tokens on BNB Chain and borrow stablecoins on Ethereum or Arbitrum. This unlocks:

• Greater capital efficiency
• Yield optimization across ecosystems
• Access to liquidity wherever it’s needed
• Better asset utility for real-world tokens

Defactor plays a key role in enabling this interoperability, powering secure lending protocols that operate across chains seamlessly.

Use Cases: Cross-Chain Lending in Action

• Real Estate Liquidity: Users can unlock liquidity from Landshare property tokens on other chains.
• Yield Optimization: Borrow stablecoins on a chain with lower interest rates using collateral from another.
• Treasury Management: DAOs can access funds from multiple ecosystems while holding RWA-backed assets.

Defactor Perspective

At Defactor, we believe the future of onchain finance is multichain, multi-asset, and globally inclusive. Our infrastructure is designed to unlock real-world value across decentralized networks with an equal focus on both institutional and enabling participation from emerging markets, where access to capital and financial products has traditionally been limited.

Through our toolkit, asset originators, from real estate developers to SME lenders, can tokenize real-world assets (RWAs) and activate them on-chain. This opens up a new class of collateral for lending protocols, while our cross-chain infrastructure ensures these assets can be utilized seamlessly across multiple blockchain ecosystems.

A key challenge with RWAs is the lack of secondary market liquidity. Unlike native crypto tokens, RWA tokens often represent longer-term or illiquid positions. This is where lending pools become essential: by allowing users to borrow against their assets, we provide a way to access capital without having to exit their position. This flexibility is especially valuable in emerging markets, where liquidity options are scarce and local financial systems may be fragmented or inaccessible.

Defactor’s role in the Landshare partnership is to enable this kind of functionality, ensuring their real estate-backed tokens are available to be used as collateral for lending & borrowing. Together, we’re building a system where users anywhere in the world can leverage real assets to access liquidity on their own terms.

Challenges and What’s Next

Challenges remain, such as liquidity fragmentation, bridging risks, and UX friction. However, with evolving solutions like intent-based execution and secure messaging layers, the space is moving fast. Landshare and Defactor are exploring new ways to combine RWAs and cross-chain lending infrastructure.

Conclusion: Toward a Seamless Financial Future

Cross-chain lending is more than a trend, it’s the foundation of a decentralized, capital-efficient financial system. Together, Landshare and Defactor are empowering users to leverage real-world assets across the multichain world. The result: more flexibility, greater access, and real value in DeFi.

🏡 About Landshare
Landshare is a tokenized real estate ecosystem that enables seamless investment in Real World Assets on the blockchain. Our platform offers a secure, transparent, and efficient way to invest in real estate without traditional barriers. With Landshare, you can own a share of a real-world property simply by holding our RWA Tokens ($LSRWA).

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