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Wednesday 7 January 2026 – Galaxy says crypto-backed loans were headed to $90 billion by Q4 2025, and that momentum looks set to push growth even higher into 2026. As lending expands, Bitcoin Hyper (HYPER) – billed as the fastest Bitcoin Layer-2 in development – is positioning itself as the go-to for institutions. Rather than forcing firms to use volatile altcoins, Bitcoin Hyper lets them keep collateral in what many call the “hardest” asset in existence: Bitcoin.
The project aims to combine Bitcoin’s security with a DeFi-ready environment that the base chain can’t support. This isn’t the slow, high-fee experience people associate with older DeFi chains like Ethereum. By running on the Solana Virtual Machine (SVM), Bitcoin Hyper claims to deliver Solana-style speed and efficiency, finally giving Bitcoin the transaction performance DeFi needs.
Early backers have already put $30.2 million into the early access stage. Yet the team projects that within the next 24 hours the HYPER token will rise from its current price of $0.013545.
How Bitcoin Can Secure Its Place in the Lending Arena
Galaxy Research reports the crypto-collateralized lending market hit an all-time high of $73.59 billion in Q3 2025 – a 38.5% jump in a single quarter. That surge set a clear path toward $90 billion by Q4 2025, and it’s creating fertile ground for a transformative 2026. The year opened with renewed institutional interest, including $1.16 billion in spot Bitcoin ETF inflows in just the first few trading days.
Expectations are that “on-chain dominance” – the share of loans coming from decentralized venues – will keep climbing as institutions lean on DeFi for lending and borrowing. A big motivator is transparency: after several CeFi lender collapses, many institutions prefer protocols where the rules are hard-coded and automatic liquidations protect lenders without human intervention. Institutions like the 24/7 operational model and the removal of middleman risk.
Source: https://www.galaxy.com/insights/research/predictions-2026-crypto-bitcoin-defi
Still, large players face real hurdles entering today’s DeFi, chiefly liquidity depth. Exiting a $500 million position in a thin market creates slippage that can wreck returns. Also, much of DeFi relies on softer assets or altcoins with flexible supplies and higher volatility. Michael Saylor’s approach highlights that Bitcoin remains the most reliable asset. The trouble has been that Bitcoin’s base layer is limited for complex, high-speed DeFi transactions – and existing ways to use BTC as collateral usually force a security-versus-performance trade-off.
Bitcoin Hyper says it solves that. By combining Bitcoin’s security with Solana-level speeds, it offers the high-performance Layer-2 infrastructure institutions want. In practice, that could allow large firms to enter lending markets while keeping exposure to BTC, not risky altcoins.
Unlocking Bitcoin Liquidity for the Global Crypto Lending Market
Bitcoin Hyper wants to turn Bitcoin from a static reserve into a dynamic, usable asset. Using the SVM, the layer promises the fast execution developers expect from Solana dApps, enabling complex lending apps that could free up dormant Bitcoin liquidity and help fuel the $90 billion lending market.
For institutions, the key benefit is participating in lending without giving up BTC exposure. That’s done via a canonical bridge: when Bitcoin is moved to the Layer-2, the original BTC is locked on the base chain and a 1:1 equivalent is minted inside Bitcoin Hyper. That differs from traditional wrapping like WBTC, which relies on custodial services such as BitGo and requires handing over private keys – a non-starter for many banks that won’t accept that counterparty risk.
Bitcoin Hyper replaces humans with code. The bridge is governed by audited smart contracts and secured by Zero-Knowledge (ZK) Proofs. Instead of trusting a company’s solvency or employees, institutions trust cryptography. ZK-proofs let the network validate transactions and collateralization without needing a human custodian.
If the Layer-2 rollout goes well, billions could flow into the crypto lending market, and early HYPER holders would be well placed to benefit.
Why HYPER Matters and How to Get It
Early investors see HYPER as a bet on Bitcoin’s growth in lending. Demand for HYPER could rise with Bitcoin usage because the token is used for Layer-2 fees, staking, and governance. Many view it as an early play on Bitcoin gaining utility through Bitcoin Hyper.
To buy HYPER, go to the Bitcoin Hyper website; payments accepted include SOL, ETH, USDT, USDC, BNB, or even credit card. The project recommends Best Wallet for buying and tracking HYPER – it’s listed in Best Wallet’s “Upcoming Tokens” section so users can buy, track, and claim when the token goes live.
Join the Bitcoin Hyper community on Telegram and X to follow updates and participate in discussions.
