Galaxy Digital: Q2 Crypto Lending Jumps 27% to $53.1 Billion—Highest Since Early 2022

South Korea’s FSC has paused new crypto lending after massive user liquidations at Bithumb, reflecting global concerns over excessive leverage and highlighting a broader trend of regulatory tightening in digital asset markets.

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Summary

South Korea's Financial Services Commission has temporarily suspended new crypto lending services following a major liquidation event at local exchange Bithumb, where over 27,000 customers used lending features in June and 13% were forced into liquidation. The pause will remain until official 'Virtual Asset Rental Service Guidelines' are issued, with regulators citing insufficient user protections and potential harm to market integrity. The move comes amid warnings to top exchanges over leveraged products and coincides with a global surge in crypto borrowing, which Galaxy Digital reports reached $44.25 billion in outstanding loans last quarter. Data shows average daily liquidations exceeding $350 million over the past month, with more than $3 billion wiped out in August so far, largely from altcoin shorts.

Terms & Concepts
  • Liquidation: Forced closure of leveraged positions when collateral falls below maintenance thresholds, common on crypto derivatives exchanges.
  • DeFi Liquidity: The availability of funds in decentralized finance protocols for trading and lending; tightening liquidity can increase slippage and borrowing costs.
  • Leverage: The use of borrowed funds to increase trading position size, which can amplify both potential gains and losses.