Aave founder and CEO Stani Kulechov has outlined key growth priorities and product milestones for the decentralized protocol as it enters 2026.

Kulechov unveiled what he called the “2026 Master Plan” in a Dec. 17 X post, a day after the United States Securities and Exchange Commission formally dropped its long-running investigation into the platform.

After calling 2025 Aave’s most successful year, during which the protocol attracted record net deposits and processed billions in user activity, the founder CEO said the next year will center on innovation, deeper integrations, and scaling across new market segments.

According to Kulechov, Aave’s core roadmap for the next year would revolve around what he described as three main pillars—“Aave V4, Horizon, and Aave App.”

Aave v4

First on the list is Aave V4, which is the next major upgrade for the lending protocol that is slated to introduce cross-chain liquidity capabilities, modular architecture, and deeper customization to the protocol.

Aave Labs, the development team behind the protocol, had already released a launch roadmap for V4 back in September, where it outlined the final phases of testing and review, including the Cross-Chain Liquidity Layer, which builds on the previous iteration of the protocol.

“V4’s architecture replaces fragmented liquidity pools with Hubs of capital on each network. Specialized Spokes can then be built on top of Hubs to offer tailored lending markets for any type of asset,” Kulechov said.

As a result, Aave would be able to “handle trillions of dollars in assets,” which could position it as the go-to choice for institutions, fintech firms, and large enterprises, he added. This includes launching new cross-chain interfaces and a revamped developer experience that is expected to make launching products on Aave much easier.

“In 2026, Aave will be home to new markets, new assets, and new integrations that have never existed before in DeFi.”

Horizon

Next on the list is Horizon, a decentralized lending market for tokenized real-world assets, which Kulechov said “will onboard many of the top financial institutions to Aave,” and expand the protocol’s reach to a $500 trillion-plus asset base.

Horizon launched earlier this year on Aug. 27 and managed to surpass $50 million in deposits by Sep. 1, with the bulk of the liquidity arriving in RLUSD and USDC.

“Horizon currently sits at $550M net deposits. In 2026 we’ll look to quickly scale this to $1 billion and beyond by expanding our work with leading institutional partners like Circle, Ripple, Franklin Templeton, VanEck, and others to bring major global asset classes to Aave,” Kulechov said.

The Aave app

Finally, Aave will focus on grabbing a share of the $2 trillion mobile fintech industry through the Aave App, which launched in mid-November to offer a banking-style savings experience in a bid to compete against traditional platforms.

According to Kulechov, the app is currently live on the Apple App Store and, starting next year, will undergo a full rollout targeting a million users.

“Aave cannot scale to trillions of dollars without mass adoption on the product level,” he added.