Aave Labs has acquired Stable Finance to expand mainstream access to on-chain savings. The acquisition strengthens Aave’s consumer-focused and product roadmap through Stable Finance’s expertise in user-friendly on-chain products. This highlights Aave Labs’ plan to make decentralized finance (DeFi) more approachable for everyday users.

 Making DeFi Consumer-Friendly with Stable Finance

Aave Labs, the firm behind the widely used Aave protocol, has acquired crypto startup Stable Finance. Stable Finance was founded in 2023 by Mario Baxter Cabrera to simplify earning interest on stablecoins.  The app allows users to transfer funds from traditional bank accounts, debit cards, or crypto wallets with yields. Its design removed technical barriers, offering a straightforward way for everyday users to participate in on-chain savings and demonstrating the growing appetite for low-volatility DeFi solutions.

As part of the deal, Cabrera and the full Stable Finance engineering team will join Aave Labs, bringing expertise in user-centric product design. Cabrera will lead initiatives focused on expanding consumer applications within Aave’s ecosystem. The existing Stable app will eventually be retired, but its underlying technology will play a central role in future Aave Labs offerings aimed at simplifying digital savings and lending for broader audiences. Stani Kulechov, founder of Aave Labs, said the acquisition reflects the company’s vision to make “earning, borrowing, and saving on-chain as seamless as conventional finance”.

He added that the Stable team’s approach to user-friendly design provides a foundation for reaching new consumers and accelerating the development of mainstream DeFi products. Cabrera emphasized that joining Aave Labs would allow the team to scale its solutions faster and contribute to the next wave of accessible financial innovation.

Aave’s Established Infrastructure and Expansion of Access with Aave V4 Upgrade

Aave Labs has long been recognized for creating resilient infrastructure for decentralized finance, including the Aave protocol and the overcollateralized stablecoin GHO. The company’s Horizon platform, introduced in August 2025, has quickly attracted more than $300 million in deposits, showcasing its growing footprint in institutional finance.

Alongside this acquisition comes the company’s preparation to launch Aave V4 in Q4 2025, a major upgrade that will unify liquidity across markets and simplify risk management. Its hub-and-spoke design will allow flexible risk settings, providing both retail and institutional users with a more efficient and connected system.

The upgrade will also introduce a new interface showing all positions in one view, making it easier to manage supply, borrowing, and yield. A multi-track security program, public testnet, and coordinated rollout are in place to ensure a smooth launch. These steps underline Aave Labs’ focus on making on-chain finance more accessible to everyone.

By combining Stable Finance’s user-focused technology and design expertise with its own robust infrastructure and upcoming Aave V4 upgrade, Aave Labs is poised to make on-chain finance simpler, more efficient, and more accessible. The acquisition and platform enhancements signal a clear commitment to bringing mainstream users into DeFi, creating practical ways for millions to save, borrow, and earn interest on-chain while maintaining the security and flexibility that define the Aave ecosystem.