UCC Article 12 Facilitates Crypto Collateral in Lending

A groundbreaking update to the Uniform Commercial Code (UCC) has introduced legal clarity for using cryptocurrencies as collateral in secured lending across U.S. jurisdictions, starting August 2025. This significant regulatory shift is driven by the American Law Institute and Uniform Law Commission, creating a clearer framework for institutions seeking to lend against digital assets like Bitcoin and Ethereum.