Aave founder Stani Kulechov says decentralized finance (DeFi) may need an "Uber path" after the U.S. Senate failed to advance the Clarity Act, prioritizing broad adoption before regulation. Aave is targeting tokenized stocks and other real-world assets, while developing institutional lending on Avalanche. The vote also kept the roles of the SEC and CFTC unclear, sent Coinbase Global and Circle Internet shares down 10%, and left the U.S. and U.K. among major financial hubs without fully effective industry rules as Europe and Asia advance digital-asset frameworks.