Flowdesk, a market maker, has observed a cautious approach among digital asset lenders following significant market disruptions, including a $93 million default at Stream Finance and a $20 billion market crash in October. Lenders are reportedly reducing risk exposure by lowering leverage, although credit availability remains stable. Despite these challenges, demand for borrowing cryptocurrencies such as SOL, XLM, ENA, APT, and BTC continues to be robust, primarily driven by hedging strategies. Meanwhile, yields on lending pools like Maple and Jito have decreased but still exceed Chainlink's 5% DeFi yield index. CryptoQuant has issued warnings of potential bearish signals reminiscent of 2022, which could further impact financing rates in the crypto lending market.