Stellar (XLM) said tokenized-asset borrowing and lending on its network settles in about five seconds, with isolated risk per pool and live rates.
Stellar (XLM) is positioning its network for institutional borrowing and lending against tokenized assets, saying borrowers can access stablecoins without selling collateral and lenders can supply assets for yield through pools with isolated risk. The company says the activity runs on production protocols and settles in about five seconds, which it presents as part of a broader push to support credit markets on-chain.
In material published by Stellar on Wednesday, Oct. 28, 2026, the company said institutional borrowers and lenders can use tokenized assets on Stellar to turn idle holdings into working capital without exiting, with markets open 24/7 and settlement in about five seconds. The page also cites 99.998% uptime since 2014, though that figure is presented by Stellar and is not independently verified in the source material.
Stellar said borrowers can borrow stablecoins against XLM on Templar and Blend, or against tokenized funds on Blend. It also said lenders can supply stablecoins to Blend pools to earn interest from borrowers, with rates that update live and can be checked by anyone. The company described each Blend pool as having its own collateral and limits, with loans overcollateralized and price feeds used to trigger automatic liquidations.
The source material highlights Blend as a case study and says it keeps each lender's risk separate pool by pool. Background material supplied for this report identifies Blend as a permissionless lending primitive rather than a single centrally managed lending market, with pool creators setting supported assets, collateral requirements and oracle selection.
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