NFT loans are dying: Can real world beings be new hope?

📉 97 %collapse in NFT loans: New catalysts are needed

The NFT -based credit market has lost its acceleration in recent years and has become a collapse. According to Dappradar’s report on May 27, the transaction volume in this sector fell from the $ 1 billion summit in January 2024 to only $ 50 million as of May 2025 - which means a decrease of 97 %.

Sara Gherghelas, the author of the report, interprets this table as follows:

“2025 did not offer a strong reason to trigger recovery for NFT loans. The platforms are still active, infrastructure in place, but no movement.”

🏘️ Tokinization with real assets: Can the sector save?

According to Gherghelas, the biggest potential for the re -revival of the NFT credit sector lies in the integration of real world assets (RWA) with NFTs.

For example:

Tokenized Real Estate

Fixed assets that provide return

Financial reliable guarantees

Such assets can provide a stable and safer collateral ground for NFT loans.

“Loans should come out of survival mode. New usage areas can trigger the rebirth of the credit market.”

📉 NFT market stagnation also crushed the demand for credit

The overall decline in the NFT market also directly affected the credit sector. In the first quarter of 2025, the NFT transaction volume decreased by 61 %to $ 1.5 billion ($ 4.1 billion).

“When the guarantee values ​​melt, credit activities naturally fell.”

The number of active NFT credit platforms has also narrowed. There are only 8 protocols with a meaningful market share.

🤖 Hope for the Future: Smart Infrastructures and New Models

Among Gherghelas’ solution suggestions, the following stand out:

Credit Models Without Subt -Color

Credit Score Systems

Artificial Intelligence Supported Risk Algorithms

More accessible guarantee mechanisms

“Flip-for-liquity model worked in the bull market. Now we go to a quieter, more cautious period. This requires a different approach.”

🔍 EVALUATION

The NFT credit industry does not die, but it changes direction. Usage areas are diversified, collateral preferences are changing. New wave; Based on culture, design and functionality, NFT loans can rise again with a “long -lasting” model.