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Bitcoin-Backed Debt Securitization Reaches Wall Street

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Ledn's $188 million securitization of Bitcoin-backed consumer loans represents a significant maturation of crypto-native financial products. By packaging 5,441 fixed-rate balloon loans into rated, tradable notes with investment-grade and subordinated tranches, Ledn has created a structure that mirrors traditional asset-backed securities while incorporating crypto-specific safeguards like liquidation triggers. This development bridges the gap between decentralized finance and institutional capital markets.

The transaction's sophisticated structure—complete with custody arrangements, liquidity reserves, and institutional-grade scaffolding—enables traditional investors to gain exposure to Bitcoin-linked yield without direct spot exposure. While the sub-prime-style incentives warrant monitoring, the incorporation of automated liquidation mechanisms provides risk mitigation absent in traditional mortgage-backed securities. This innovation could pave the way for broader institutional adoption of crypto-collateralized debt products.

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