Kamino, the Solana lending protocol, has set out a tiered approach to cross-chain collateral. Assets that move between chains using @chainlink's Cross-Chain Interoperability Protocol (CCIP) w
Kamino, the Solana lending protocol, has set out a tiered approach to cross-chain collateral. Assets that move between chains using @chainlink's Cross-Chain Interoperability Protocol (CCIP) will qualify for higher deposit caps and loan-to-value (LTV) ratios, meaning users can borrow more against them. The change follows a security review by @kamino.
Assets transferred or managed through CCIP can be assigned elevated supply caps, meaning Kamino will accept more of them as collateral. They can also receive improved LTV ratios, which determine how much a user can borrow against a given deposit.Kamino says the higher limits sit inside its existing risk framework, which already includes real-time monitoring and market-level controls.
Kamino pointed to CCIP's default setup, in which 16 independent node operators verify each cross-chain transfer. Chainlink's own documentation describes the same design: the Chainlink decentralized oracle networks securing CCIP are composed of 16 independent, professional node operators who validate cross-chain transactions through decentralized consensus.No nodes are shared between the transactional networks and CCIP's separate Risk Management Network.
Tokens whose issuers set up their own cross-chain verification face a heavier review process. Kamino said these assets can expect lower caps and, in some cases, rejection or delisting. The protocol also said it can already pause markets for some cross-chain assets on Solana when it detects warning signs such as unbacked supply.
The decision ties collateral terms to the security model of the bridge or messaging layer an asset uses. Cross-chain bridges have been a recurring weak point in crypto. One industry explainer estimates that bridge hacks have cost more than $2.8 billion since 2022.
Kamino's role in tokenized asset lending is also growing. Solana Compass, citing Blockworks Research data, reports that Kamino's share of onchain real-world asset lending rose from 2% to 18% between October 2025 and August 2026. As more tokenized collateral arrives from other chains, the protocol's rules on how that collateral travels carry more weight.
Chainlink has also been expanding CCIP's features. Chainlink released CCIP 2.0 on September 28, 2026, aimed at helping institutions move tokenized assets across blockchains with added verification and compliance features. Crypto Briefing reports that under that upgrade, asset issuers can layer their own verification steps and transfer policies on top of CCIP's standard security model.
For borrowers, the practical effect is that the route a token takes across chains can now influence how much they can borrow against it on Kamino. Issuers weighing a custom verification setup face a trade-off between flexibility and more favourable lending terms.
Crypto Briefing: Kamino validates Chainlink CCIP for cross-chain collateralChainlink: CCIP, The Secure and Decentralized Cross-Chain StandardSolana Compass: Kamino Finance project review
