Mehr als digitales Gold: Bitcoin betritt die DeFi-Welt
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Jul 3, 2025

Mehr als digitales Gold: Bitcoin betritt die DeFi-Welt

Karim AbdelMawla
Mehr als digitales Gold: Bitcoin betritt die DeFi-WeltMehr als digitales Gold: Bitcoin betritt die DeFi-WeltVideo Thumbnail

Von  Karim AbdelMawla

Bitcoin (BTC) gilt weithin als Wertspeicher – oft wird es mit digitalem Gold verglichen. Im Gegensatz zu Blockchains wie Ethereum, auf denen Entwickler eine Vielzahl von Anwendungen aufbauen können, wurde Bitcoin lange Zeit kaum für mehr als das bloße Halten genutzt.

Doch das ändert sich gerade.

Im Jahr 2025 gewinnt eine neue Bewegung an Dynamik: Bitcoin Finance, kurz BTC-Fi. Was einst als Nebenprojekt begann, entwickelt sich nun zu einem ernstzunehmenden Bestandteil des Krypto-Ökosystems.

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Ein deutliches Zeichen für diesen Wandel ist der rasante Anstieg des sogenannten Total Value Locked (TVL) – also der Gesamtwert der Vermögenswerte, die in dezentralen Finanzanwendungen (DeFi) hinterlegt sind. Dabei handelt es sich um Plattformen, auf denen Nutzer Zinsen verdienen, Vermögenswerte handeln oder Kredite vergeben können – ganz ohne Banken.

Der TVL von BTC-Fi ist von gerade einmal 30 Millionen US-Dollar Anfang 2024 auf fast 10 Milliarden US-Dollar Mitte 2025 gestiegen. Das zeigt: Bitcoin ist längst mehr als ein sicherer Hafen – es wird zur Basis einer neuen, offenen Finanzwelt.

Und das Potenzial ist enorm: Weniger als 2 % des gesamten Bitcoin-Markts (aktuell rund 2,1 Billionen US-Dollar) sind derzeit in DeFi-Anwendungen eingebunden. Sollte dieser Anteil auf nur 5 bis 10 % steigen, könnte BTC-Fi sogar größer werden als der heutige Ethereum-DeFi-Sektor.

Warum Bitcoin Finance (BTC-Fi) für Anleger so relevant ist

BTC-Fi verändert die Spielregeln: Zum ersten Mal können Bitcoin-Inhaber mit ihrem BTC Einkommen erzielen – ohne es verkaufen zu müssen.

Das ist groß.

  • Für institutionelle und private Investoren bedeutet das: Sie können Renditen erzielen, indem sie ihr Bitcoin aktiv einsetzen.
  • Für Entwickler und die Krypto-Community eröffnet sich ein neuer, hochwertiger Collateral-Typ: Bitcoin als vertrauenswürdiges und weit verbreitetes Asset findet nun auch in dezentralen Anwendungen Verwendung.

‍Neue Plattformen treiben BTC-Fi voran

  • Babylon hat fast 49.000 BTC für Staking in sein System integriert – ein Mechanismus zur Belohnung von Netzwerkteilnehmern.
  • Stacks ermöglicht erstmals Smart Contracts auf Bitcoin und hat bereits über 5.000 BTC über den sBTC-Token gesichert.
  • Solv Protocol bietet renditebasierte BTC-Produkte an und hat kürzlich die Marke von 500 Millionen US-Dollar TVL überschritten.
  • Maple Finance bringt institutionelles Kapital in die BTC-Fi-Welt: Mit BTC-basierten Kreditlösungen und Yield-Angeboten nähert sich das TVL der Plattform den 1,7 Milliarden US-Dollar.
  • Threshold Network nutzt seine Version von Bitcoin, tBTC, in bekannten Lending-Protokollen wie Aave.
  • B² Network arbeitet an Rollups für Bitcoin, um das Netzwerk zu skalieren und mehr Nutzer in den DeFi-Bereich zu bringen.

DeFi ist nicht mehr nur Ethereums Spielfeld

Was Ethereum für andere Token aufgebaut hat, baut Bitcoin nun für sich selbst – ohne die Stabilität oder Sicherheit seines Netzwerks zu gefährden.

BTC-Fi ist keine Modeerscheinung, sondern ein echter Strukturwandel, der Bitcoins Rolle in einer vernetzten, multichain-fähigen Krypto-Zukunft neu definiert. Wenn du Bitcoin hältst, ist das eine Entwicklung, die du im Auge behalten solltest.

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