What you need to know:
- Anchorage Digital is launching a model that allows institutions to borrow against escrow SOL.
- The framework keeps SOL under regulated banking custody while providing access to Kamino’s credit markets.
- The launch comes as US lawmakers debate the CLARITY Act and unresolved rules for DeFi oversight.
Anchorage Digital announced Friday that it has created a new model that allows institutions to borrow against their deployed Solana assets while maintaining custody in a regulated manner. The model was created in collaboration with Kamino and Solana Company.
This model was developed to address the current operational issues that have hindered institutions’ access to decentralized lending.
The update extends Anchorage Digital’s Atlas platform to integrate the Kamino protocol. Kamino is a Solana-based lending system that supports on-chain lending.
The Solana Company was created to serve as a treasury for Solana and was developed with the help of Pantera Capital and Summer Capital.
Anchorage Digital Eases Institutional Barriers in DeFi
This new model makes it possible for users to leverage native staked SOL for lending purposes. These assets remain within the Anchorage Digital Bank. U.S. banking regulators federally chartered and supervised this bank.
There will be no need to move assets to smart contracts, which has been a major concern for regulated parties.
Anchorage said the structure solves a long-standing challenge for large institutions. Many of them avoid decentralized lending due to the risk of exposure to smart contracts, which can compromise custody. This structure maintains custody and provides access to on-chain credit.
The launch comes at a good time given the increased interest from institutions in DeFi. However, the regulatory environment in the US is unclear.
The government has discussed the regulation of digital assets and decentralized protocols, while some provisions are still pending resolutions.
Also read: The GENIUS Act and MiCA: A Bipartisan Future for Stablecoins in 2026
The CLARITY Act plays into the debate over the regulation of digital assets and decentralized protocols in the US. This bill aims to clarify the jurisdictional boundaries of digital assets. Moreover, it wants to raise the bar for decentralized system regulation.
The debate over DeFi regulation is heating up
The CLARITY Act can help solve the problems associated with the regulation of digital assets and decentralized protocols. However, the bills still need to provide clarity on the regulations for decentralized governance roles.
There are concerns among various industry groups about the changes in the bill. Several industry groups attribute this to the amendments’ inability to distinguish between decentralized systems and centralized intermediaries. These changes may limit protocol development.
The Trump administration recently has spoken to various stakeholders about the bill to discuss their feedback. The purpose of this meeting is to deliberate on DeFi supervision, risk regulations and market structure. However, the outcome of the meeting has not yet been released.
Anchorage Digital’s recent launch of the structure has demonstrated demand for custody, compliance and risk comparable to those of the traditional financial sector.
Borrowing against deployed SOL without compromising custody has removed a significant barrier. It can accelerate institutional participation in decentralized lending.
Also read: Solana is stabilizing above the $76 floor as momentum builds for a potential breakout
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