Trillions in Assets, Millions of Users

The roadmap focuses on Aave V4, Horizon, and Aave App as Aave exits SEC scrutiny.

Aave founder and CEO Stani Kulechov on Tuesday outlined a master plan for 2026, wherein he detailed how Aave Labs intends to scale the protocol into a core piece of global on-chain financial infrastructure through three main initiatives: Aave V4, Horizon, and the Aave App.

According to Kulechov, Aave V4 will introduce a complete redesign of the lending protocol, in a bid to address liquidity fragmentation and significantly expand capacity.

The Three Pillars

The upgrade is expected to introduce a Hub and Spoke architecture, where Hubs of capital are deployed on each network, and specialized Spokes are built on top to support tailored lending markets for different asset types. The end goal is to support trillions of dollars in assets and position Aave as a primary liquidity provider for institutions, fintech firms, and enterprises seeking on-chain credit.

The company also plans to launch a new developer experience alongside V4. The tooling is intended to lower barriers for building applications and launching new markets on the protocol in 2026. Another central component of the roadmap is Horizon, which happens to be Aave’s institutional-focused market for real-world assets.

Horizon allows qualified institutions to use tokenized assets such as US Treasuries and other credit instruments as collateral to borrow stablecoins, while meeting compliance and operational requirements. Kulechov explained that Horizon has already reached approximately $550 million in net deposits and is expected to scale to $1 billion and beyond next year.

Aave Labs plans to expand Horizon through partnerships with asset managers and financial firms, including Circle, Ripple, Franklin Templeton, and VanEck.

The third pillar of the 2026 strategy is the Aave App, which Aave Labs described as its primary consumer-facing product and a major driver of user growth. A full rollout of the Aave App is planned for early 2026, and the firm is targeting its first million users through the product. Kulechov said the combined rollout of V4, Horizon, and the Aave App is intended to support Aave’s broader objective of becoming a global on-chain credit layer, which is capable of serving both institutional capital and retail users at scale.

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SEC Ends Probe Against Aave

Meanwhile, the master plan comes shortly after the US Securities and Exchange Commission (SEC) concluded its investigation into the Aave Protocol after four years. Kulechov confirmed the development and tweeted,

“This process demanded significant effort and resources from our team, and from me personally as the founder, to protect Aave, its ecosystem, and DeFi more broadly. DeFi has faced unfair regulatory pressure in recent years. We’re glad to put this behind us as we enter a new era where developers can truly build the future of finance.”

Interestingly, Aave is not the only platform cleared by the securities watchdog. The SEC closed multiple investigations that started under the Biden administration. This includes Gemini, OpenSea, Robinhood, and Uniswap, among others.