Скачать или смотреть LTV is the Real Risk Lever in Crypto (Here’s Why Institutions Obsess Over It)

Every major crypto blow-up — from DeFi liquidations to centralized lending failures — has one thing in common:
it wasn’t the technology, and it wasn’t even volatility.
It was loan-to-value ratios (LTV) that were too aggressive.

In this video, we break down why LTV is the real risk lever in crypto, why retail traders consistently misuse leverage, and why institutions obsess over conservative LTVs — especially as tokenization and on-chain finance scale.

Featuring insights from Tom Lee (Fundstrat) on flash crashes, automatic deleveraging, and liquidation dynamics.

What You’ll Learn in This Video

• What LTV (loan-to-value) actually is and how it’s calculated
• Why LTV rises automatically when prices fall
• How high LTV triggers liquidations and cascade events
• Why retail traders use dangerously high leverage
• How institutions manage risk with conservative advance rates
• Why tokenization changes collateral management — not leverage
• How institutional crypto lending really works behind the scenes

Key Concepts Covered

Loan-to-Value (LTV) Formula:
LTV = Loan Amount ÷ Collateral Value

As collateral prices drop, LTV increases automatically — even if your loan stays the same.
This is what activates liquidation engines and creates deleveraging feedback loops in crypto markets.

Institutions avoid this by using:
• Lower LTVs
• Over-collateralization
• Conservative advance rates
• Strict margin calls
• Controlled liquidations

This is why institutional crypto looks boring — and why boring is what scales.

The Big Takeaway

Crypto doesn’t need more leverage.
It needs better risk discipline.

If you understand LTV, you understand:
• why retail gets liquidated
• why institutions survive volatility
• and why the next phase of crypto will look far more like traditional finance than most people expect.

Free leverage isn’t innovation.
Risk management is.

About This Channel:

This channel breaks down how crypto finance actually works at an institutional level — from tokenization and collateral systems to stablecoins, private credit, and on-chain markets.

If you want real explanations beyond hype, subscribe for more.