Lending & Yield Companies

Battery is a pioneering financial platform that leverages the power of bitcoin to revolutionize traditional financing models. By fusing the robust and secure nature of bitcoin with real-world assets, Battery unlocks innovative financing solutions that empower individuals and businesses alike. Through its unique approach, Battery aims to bridge the gap between the digital and physical worlds. By harnessing the potential of bitcoin's decentralized network, Battery offers a transparent, efficient, and secure way to access capital. This innovative platform empowers individuals and businesses to explore new financial opportunities, while fostering financial inclusion and economic growth. Battery's commitment to innovation and its dedication to unlocking the full potential of bitcoin positions it as a leading force in the future of finance. By providing novel financial solutions, Battery is shaping a new era of financial empowerment and economic opportunity.

Block Earner is a blockchain-powered fintech platform designed to simplify access to decentralized finance (DeFi) for everyday Australians. Their mission is to empower individuals to take control of their financial future by providing a user-friendly interface to a complex and often intimidating landscape. By leveraging blockchain technology, Block Earner aims to offer a secure and transparent platform for users to engage with DeFi services. This includes opportunities for yield farming, staking, and other decentralized financial activities. The platform is designed to be accessible to a wide range of users, regardless of their technical expertise. Block Earner is committed to fostering financial literacy and empowering individuals to make informed decisions about their finances. By providing a user-friendly platform and educational resources, they aim to help Australians navigate the evolving world of DeFi and capitalize on the benefits it offers.

Centrifuge is building the first open, decentralized operating system to connect the global financial supply chain. Their mission is to make it easy for businesses of all sizes to participate in global trade. With Centrifuge, companies will be able to connect with new suppliers, access financing, and securely move money around the world. The company has already built a working product and has raised over $2 million in funding from some of the world's leading investors.

Euler Labs stands as an exceptional team of talented professionals, united by a shared belief in the transformative potential and egalitarian ethos of Decentralized Finance (DeFi). With a truly international and fully remote workforce, they are driven by a commitment to innovation and excellence in the DeFi space. Backed by world-leading investors, Euler Labs is poised to realize the long-term promise of DeFi. Their mission extends beyond mere participation in the DeFi ecosystem; they aspire to build an integrated suite of customizable and permissionless protocols. Together, these protocols create a cohesive environment that empowers users with unparalleled performance and flexibility for trading across the DeFi landscape. What sets Euler Labs apart is their relentless pursuit of excellence and innovation. They prioritize user experience and accessibility, striving to create a seamless trading environment that caters to the diverse needs of their global community of users. With a focus on customization and permissionless access, Euler Labs is democratizing access to DeFi and paving the way for a more inclusive financial future.

InvoiceMate is a groundbreaking invoicing infrastructure that revolutionizes how SMEs access working capital finance while boosting lenders' profitability by streamlining risk and diligence processes. Powered by Blockchain & AI technologies, InvoiceMate offers a comprehensive suite of solutions. These include an advanced invoice management system, embedded finance options, automated invoice verification (KYI-Know Your Invoice), a robust loan origination system, and a cutting-edge Real World Asset (RWA) tokenization platform. By providing these tools, InvoiceMate fosters financial inclusivity and efficiency, connecting SMEs with the resources they need to thrive while optimizing lending operations for greater profitability and risk management.

Secured Finance AG is a trailblazer in the financial sector, committed to fostering transparency, security, and robustness in finance. Through their decentralized finance protocol, they are revolutionizing traditional financial systems, making institutional-grade products accessible to all. They firmly believe in the transformative potential of Web3 and blockchain technology. By harnessing the power of smart contracts, they are creating a more secure, transparent, and efficient financial platform. With over 40 years of combined experience in finance, their team brings a wealth of knowledge and expertise to the table. Their mission is to integrate the best practices and maturity of institutional finance into decentralized finance, democratizing the financial world and opening up interbank markets to the public. Their comprehensive range of services and products includes P2P lending with an automatic margin-call system, P2P derivatives like forward FX and interest rate swaps, orderbook-based fair price discovery, structured products featuring interest rates and FX derivatives, and smart contract-based collateral management and clearing counterparty services. At Secured Finance AG, they are dedicated to providing their clients with fixed interest rates and maturities ranging from three months to five years.

Term Finance is an on-chain fixed-rate borrowing and lending protocol that clears loans through periodic Dutch auctions rather than algorithmic interest rate curves. Borrowers and lenders submit bids and offers into timed auctions, with the clearing rate determined by supply-demand matching — producing a predictable, fixed rate for the loan term (typically 4 weeks). The protocol supports a range of collateral assets including wBTC, cbBTC, wstETH, weETH, tETH, sAVAX, and yield-bearing tokens like PT-sUSDe. As of early 2025, the platform has cleared over $419 million in cumulative borrow volume, and raised a $5.5M strategic round in July 2024.

The Term Structure team is a pioneering force in the realm of decentralized finance (DeFi), focused on establishing a robust and reliable term structure of interest rates. This foundational infrastructure aims to provide a standardized framework for pricing financial instruments, enabling more efficient and transparent financial markets. By meticulously crafting and maintaining a comprehensive term structure, the team seeks to bridge the gap between traditional finance and DeFi. This effort facilitates the development of innovative financial products, such as interest rate derivatives and structured products, which can be seamlessly integrated into the decentralized ecosystem. Furthermore, the Term Structure team actively collaborates with other DeFi projects and protocols to foster interoperability and promote the adoption of standardized interest rate models. By working together, the team aims to create a more interconnected and efficient DeFi landscape, where financial instruments can be priced accurately and traded with confidence.

Untangled.Finance pioneers the convergence of traditional and decentralized finance realms, revolutionizing investment landscapes by seamlessly integrating institutional-grade, tangible assets onto blockchain platforms. Their mission is to democratize finance by broadening crypto investment horizons, enabling individuals and institutions to access high-quality assets at unprecedented scale. Spearheading this evolution, they are diligently crafting a groundbreaking liquidation mechanism, poised to surmount a significant obstacle in linking real-world assets to the decentralized finance ecosystem. This innovative approach, coupled with their diverse array of DeFi yield products and tailor-made strategies, reflects their unwavering dedication to fostering inclusive financial access globally. At Untangled.Finance, they distinguish themselves through their commitment to innovation, transparency, and accessibility. Their platform empowers users with the tools and opportunities needed to navigate the dynamic landscape of decentralized finance confidently. By bridging the gap between traditional and crypto assets, they unlock a new era of financial possibilities, where anyone, anywhere, can participate in the burgeoning DeFi revolution. Join them in reshaping the future of finance, one untangled connection at a time.

The Wildcat protocol is a specialized decentralized finance (DeFi) protocol that introduces configurable undercollateralized credit facilities to the Ethereum blockchain. Unlike traditional DeFi lending platforms that rely on overcollateralization, Wildcat enables borrowers, primarily institutional entities, to access credit lines based on their reputation and a custom set of terms. The protocol provides a flexible framework where borrowers can define their own loan parameters, including interest rates, withdrawal mechanisms, and eligibility criteria for lenders. This level of customization allows for the creation of on-chain credit markets tailored to specific needs and risk appetites. By bringing these personalized credit arrangements to Ethereum, Wildcat aims to foster greater capital efficiency and financial innovation within the decentralized ecosystem.

Avalon Labs is a financial technology company dedicated to building the future of on-chain capital markets for Bitcoin, serving both institutional and individual participants. The company aims to transform Bitcoin from a passive store of value into a dynamic, productive financial asset.

Figure Markets is a pioneering financial platform that leverages blockchain technology to democratize access to various financial instruments. Their mission is to create a decentralized exchange where users can trade a wide range of assets, including cryptocurrencies, stocks, bonds, and credit. By utilizing blockchain technology, Figure Markets aims to provide a transparent, secure, and efficient marketplace for these assets. Their platform eliminates intermediaries, reducing costs and increasing transparency for both buyers and sellers. Figure Markets envisions a future where individuals have greater control over their finances and can participate in various markets previously inaccessible to them.

JustLend DAO is a decentralized lending and borrowing protocol built on the TRON blockchain, enabling users to supply crypto assets to earn yield, borrow against collateral, stake TRX for staking rewards, and rent TRON Energy to reduce transaction fees. The protocol operates through Supply and Borrow Markets (SBM) supporting 19 mainstream asset markets, with governance managed by holders of its native JST token via on-chain proposals and a community forum. It is described as the largest lending platform on the TRON network and the first official lending protocol on that chain, with an ecosystem that also includes staked USDT (stUSDT) and various token converter utilities. The protocol is community-governed through a DAO structure encompassing a Grants DAO, Risk DAO, and full treasury transparency, with smart contract audits and a bug bounty program on Immunefi.

SOIL is a decentralized finance (DeFi) protocol that offers a unique approach to stablecoin investing. By utilizing real-world assets as collateral, SOIL aims to provide users with secure and reliable returns on their stablecoin investments. The protocol's regulatory compliance ensures a safe and transparent environment for users, mitigating the risks often associated with traditional DeFi platforms. SOIL's innovative model leverages the value of real-world assets to back stablecoins, providing a more tangible and stable foundation compared to other DeFi protocols. This approach aims to instill confidence in investors and promote the adoption of decentralized finance solutions.

AQRU is a digital asset yield and investment platform that enables account holders to generate returns on holdings including Bitcoin, Ethereum, USDC, and stablecoins, subject to a minimum account balance requirement of USD 250,000. The platform comprises several core components: curated investment pools designated as AQRU Trend and AQRU Ten; a cryptocurrency exchange offering institutional pricing with a 0.35% transaction commission; and a Yield-as-a-Service product available to institutional and business partners. The platform incorporates real-world receivables as an additional yield source alongside traditional on-chain mechanisms. Access is provided through web and mobile applications. The service is designed for high-net-worth individuals and institutional clients seeking managed cryptocurrency yield exposure through a consolidated interface.

Caddy Finance provides institutional yield vaults designed for custodial Bitcoin assets. The platform enables asset holders to generate yield denominated in either BTC or USDC through vault structures built for institutional clients. The architecture prioritizes compliance and compatibility with custodial frameworks rather than implementing permissionless decentralized finance protocols. The system integrates with synthetic asset platforms through liquidity commitments to support yield generation mechanisms. The platform operates both a testnet environment and a live application, indicating an active deployment phase.

Concrete is an on-chain yield infrastructure platform that allows users to deposit crypto assets (WBTC, USDe, USDT, weETH, EIGEN) into automated vault strategies that allocate, rebalance, and compound yield across DeFi protocols such as Pendle, Morpho, and Euler. The platform reports $902M in assets on platform and $11.25B in assets processed, targeting both retail users via its Earn app and institutional clients via an Enterprise offering. Its AssetCX product enables centralized finance custodians to earn on-chain yield while assets remain in their custody, bridging CeFi and DeFi. Concrete raised $9.5M in funding announced June 2025 and positions itself as an appchain focused on on-chain debt, credit, and yield optimization.

EasyFi Network stands as a leading Layer 2 DeFi Lending protocol designed for Digital Assets. With a firm commitment to community-oriented governance, EasyFi empowers users through its native token, $EZ. At its core, EasyFi Network provides users with a decentralized lending platform that operates on Layer 2, offering enhanced scalability, lower fees, and faster transaction speeds compared to traditional DeFi protocols. By leveraging Layer 2 technology, EasyFi ensures a seamless user experience while maintaining the security and integrity of the underlying blockchain network. One of EasyFi's key strengths lies in its robust governance model, which prioritizes community input and participation. Through decentralized governance, users have a voice in shaping the future of the platform, ensuring that it evolves in line with the needs and preferences of its diverse user base. Furthermore, EasyFi Network distinguishes itself through its dedication to accessibility and inclusivity. By providing a user-friendly interface and simplified lending processes, EasyFi opens up opportunities for individuals and institutions alike to participate in decentralized finance, regardless of their technical expertise or financial background. With its innovative approach to DeFi lending and unwavering commitment to community-driven governance, EasyFi Network is poised to revolutionize the digital asset lending landscape.

Empowermint is a crypto-collateralized retail lending platform that allows users to borrow euros against digital assets such as BTC, ETH, and USDT without selling their holdings. Loan proceeds are disbursed directly to any IBAN-enabled bank account or crypto debit card bridge, with same-day transfers advertised. The platform requires no credit checks, using on-chain collateral held in a secure vault as the sole creditworthiness mechanism. It targets retail crypto holders in Europe who need fiat liquidity while maintaining long-term exposure to digital assets. Empowermint operates as a partner service built on the Anvil DeFi protocol and was in a 'coming soon' launch phase at the time of discovery.

Equilibrium is a decentralized finance (DeFi) platform on the Polkadot network that provides a unified interface for a money market, perpetual exchange, and liquid staking. The protocol utilizes a cross-chain architecture designed to consolidate fragmented liquidity into a single pool. Unlike many lending platforms that use isolated vaults, Equilibrium employs a collateral basket model, allowing users to back their positions with multiple assets simultaneously. This design is supported by a risk-based interest rate engine and a system-wide insurance pool that replaces traditional liquidation auctions to maintain protocol solvency.

Kasu is a DeFi protocol that allows users to lend USDC and earn yields of 12–22% APY through real-world private credit strategies, specifically invoice financing and tax payment funding for accounting and law firms in the US, Canada, UK, and Australia. Its core differentiator is a partnership with Apxium, a SaaS/FinTech platform that automates accounts receivable collections and reduces debtor days by up to 50% before any capital is deployed, which the protocol claims lowers credit risk for on-chain lenders. The platform currently holds approximately $8.9M TVL and offers three lending strategies: Professional Fee Funding, Taxation Funding, and Whole Ledger Funding. Kasu also has a native $KASU token with loyalty tiers that grant APY bonuses, early access to lending strategies, protocol fee sharing, and priority withdrawal rights, alongside a Kasu Kings NFT collection for public sale allo

Kinetic is a decentralized lending and borrowing protocol built on the Flare Network, with an expansion to the Stellar blockchain in development. The protocol allows users to supply and borrow crypto assets including sFLR, USDC, WETH, flrETH, USDT0, and FXRP, using on-chain collateralization mechanics similar to Aave or Compound. Kinetic integrates with analytics providers Sentora (formerly IntoTheBlock) and Dune to offer institutional-grade risk dashboards covering total supply, total debt, and liquidity metrics. The platform targets both retail DeFi users and institutional investors seeking yield or leverage on Flare-native and cross-chain assets. Its native token is JOULE, and partners include Flare Network, Stellar, RedStone oracles, Hex Trust, and Hypernative for security monitoring.

Parallel Finance is a new decentralized lending and staking protocol on Polkadot and Ethereum. They are building the future of finance, where borrowers and lenders can connect directly without the need for middlemen. Their mission is to make it easier for people to get access to credit, and to help lenders earn higher returns on their investments. Their vision is a world where everyone has access to affordable financing, and where investors can earn healthy returns from stable, secure loans.

PercentMe is a decentralized lending and borrowing protocol deployed on the Bahamut blockchain, a Layer 1 network developed by Fastex. The protocol enables users to supply cryptocurrency assets including USDT, USDC, FTN, wstFTN, AMDT, and WETH to generate yield, or to borrow against deposited collateral. The platform supports wallet connectivity through MetaMask and YoWallet, uses FTN as the gas token for transaction execution, and integrates with the Symbiosis Bridge to facilitate cross-chain asset transfers from Ethereum. The protocol operates as a native application within the Fastex ecosystem.