A new report from Bitcoin lending platform Ledn is putting a big number on a market that barely exists yet: $1 trillion. The company released research showing that the consumer Bitcoin-backed loan market — currently worth around $3 billion — could grow 300 times larger within the next decade. 

To put that in context, Galaxy Research pegged the entire crypto lending market, across every type of platform and product, at a $73.6 billion all-time high in Q3 2025. Ledn is betting the consumer Bitcoin slice alone will dwarf that figure.

The research was conducted by Protocol Theory, a consumer insights firm, and surveyed 1,244 cryptocurrency holders across the United States and…

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