Source text: The UK's HMRC has issued new tax guidelines for DeFi, which could mark a significant turning point for crypto lending, according to Aave founder Stani Kulechov. The policy clarifies that depositing assets like USDC and USDT into DeFi platforms will not be considered a disposal, thus not triggering capital gains tax. Tax will only be applied upon actual sale or exchange, effectively treating these transactions as "no gain, no loss." Kulechov believes this will reduce compliance costs and encourage both institutional and retail adoption, potentially boosting DeFi liquidity and lending in the UK. Additionally, with the cash ISA tax-free allowance set to decrease from £20,000 to £12,000 in 2027, traditional savings may become less attractive. This shift could make platforms like Aave more competitive in offering yield opportunities. Target language code: pt Translation instructions: This is the news article content. Please maintain the original meaning.