Institutional lending in decentralized finance is accelerating at a remarkable pace. Year-to-date loan originations have hit $17 billion, marking substantial growth from the $10.8 billion milestone recorded just in October 2025. This surge reflects a broader institutional embrace of DeFi lending infrastructure. The overcollateralized loan model stands as a core mechanism driving yield generation in wrapped stablecoin products. By locking collateral above the borrowed amount, protocols like those offering syrupUSDC and syrupUSDT create a more resilient lending ecosystem while simultaneously providing attractive yield opportunities for capital providers. This structural approach has become increasingly important as institutions seek both security and returns in the evolving DeFi landscape.