# Motivation Blockchain foundations and crypto native firms such as DAO treasuries, crypto funds, and crypto OTC desks currently hold substantial reserves of stablecoins and other crypto assets. Notably, the DeFi total value locked (TVL) experienced a decline after Q2 2022, resulting in limited participation of most crypto native assets in the DeFi ecosystem. Conversely, traditional real-world assets like US Treasuries and Agency-backed MBS have regained prominence amidst rising inflation and subsequent interest rate hikes by central banks. As a result, the demand for high-quality fixed-income assets has surged, offering enhanced productivity and returns. Excellar endeavors to connect the worlds of DeFi and TradFi and offer the advantages of both to our users, who will have a unique opportunity to gain the flexibility, innovation, and accessibility of DeFi, while still benefiting from the stability, trust, and familiarity of TradFi. Our combined offering of real-world asset tokenization and an associated lending protocol provides enhanced and versatile access to income-generating assets and allows users to engage in other financial activities such as lending to create additional revenue streams and optimally allocate capital. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.excellar.finance/motivation.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.