Looking for the Best Cryptos to Invest In? These 4 Projects Have Real Utility and Momentum

AAVE continues to dominate decentralized lending and borrowing with its protocol deployed across Ethereum, Avalanche, Polygon, and several Layer-2 solutions. Its open-source architecture allows any user to lend or borrow digital assets in a trustless environment—enabling capital efficiency and eliminating the need for intermediaries.

In recent developments, AAVE launched GHO, its native overcollateralized stablecoin. Unlike centralized stablecoins, GHO is minted and managed by users directly through the AAVE protocol, enhancing transparency and user control. This positions AAVE to compete with players like MakerDAO while offering broader DeFi integration.

AAVE’s governance DAO recently approved proposals for protocol upgrades to Aave v4, introducing real-time risk analytics, modular architecture, and expanded multi-collateral support. This evolution is critical as institutional-grade players seek more risk-averse DeFi environments. Meanwhile, TVL (Total Value Locked) across AAVE deployments continues to trend upward, crossing $10 billion in 2025 as adoption spreads in Latin America and Southeast Asia.

The protocol has also deepened its Layer-2 strategy, with streamlined support for Arbitrum and Optimism deployments—ensuring lower fees, faster settlements, and increased usage among everyday DeFi users.

Why did this coin make it to this list? AAVE is the backbone of decentralized finance infrastructure, and its expanding toolset, governance model, and cross-chain deployments solidify it as one of the best cryptos to invest in.