<?xml version="1.0" encoding="UTF-8"?><urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:news="http://www.google.com/schemas/sitemap-news/0.9"><url><loc>https://reports.tiger-research.com/p/defi-lending-is-modularizing-the-kor</loc><news:news><news:publication><news:name>Tiger Research Reports</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-06-16T13:03:50+00:00</news:publication_date><news:title>DeFi 대출 시장은 왜 모듈화되고 있는가: 모포(Morpho), 오일러(Euler), 아베(Aave)의 리스크 관리 전쟁</news:title></news:news></url><url><loc>https://reports.tiger-research.com/p/defi-lending-is-modularizing-the-eng</loc><news:news><news:publication><news:name>Tiger Research Reports</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-06-16T13:03:20+00:00</news:publication_date><news:title>DeFi Lending Is Modularizing: The Risk Management War Among Morpho, Euler, and Aave</news:title></news:news></url></urlset>