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Aave Interest bearing DAI
About Aave Interest bearing DAI
Aave Interest Bearing DAI (aDAI) v2 is an upgraded ERC-20 token from the Aave v2 protocol, representing DAI deposits along with accrued interest. Aave is a DeFi platform on Ethereum that enables lending and borrowing via smart contracts, with innovations like flash loans and aTokens. aDAI v2 enhances security and efficiency by holding underlying DAI within its contract, ensuring that 1 aDAI v2 equals 1 DAI at deposit while balances grow as interest accrues. It supports automatic interest accrual, efficient ERC-20 functionality, and lower gas costs. The Aave team, led by Stani Kulechov, introduced these improvements during the transition from v1, offering a migration tool to streamline the upgrade.
Aave is a decentralised finance (DeFi) protocol that enables users to lend and borrow digital assets without central intermediaries. Operating on the Ethereum blockchain via smart contracts, the protocol allows users to deposit assets into liquidity pools and earn interest, while borrowers access over-collateralised loans. Aave pioneered features such as flash loans—loans that must be repaid within the same transaction—and the tokenisation of deposits into aTokens, which continuously accrue interest. Originally emerging from the ETHLend project under the leadership of Stani Kulechov, Aave has evolved to become one of the leading platforms in the DeFi space.
Aave Interest Bearing DAI (aDAI) v2 is the upgraded aToken issued when users deposit DAI into the Aave v2 protocol. As an ERC-20 token, aDAI v2 represents the deposited DAI along with the interest earned over time. In v2, the underlying DAI is held directly within the dedicated aToken contract rather than a centralised reserve. This design ensures that 1 aDAI v2 remains pegged to 1 DAI at deposit, while the balance increases automatically as interest accrues. The improvements in the v2 contract also enhance security and operational efficiency compared to the v1 implementation.