Lending & Yield Companies

Exactly is building a decentralized, non-custodial and open-source protocol that provides an autonomous fixed and variable interest rate market enabling users to frictionlessly sturdy exchange the time value of their assets. This completes the DeFi credit market, unlocking new opportunities for borrowers and lenders alike. Their mission is to make it easy for anyone to borrow and lend without having to trust a third party.

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.

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.

Alpaca Finance is a revolutionary lending protocol for yield farmers and the Binance Chain. Their goal is to provide efficient, low-cost access to credit products that can help anyone get into agriculture and benefit from sustainable farming practices. By offering innovative financial solutions, they strive to make it easier and more cost-effective for farmers all over the world to maximise their gains while minimising their risk. Their mission is to empower people with flexible financial tools so they can make the most of modern farming techniques while building a more secure future for themselves. They envision a world where everyone has access to quality yields regardless of their size or geographical location, paving the way towards economic prosperity through sustainable agricultural practices powered by Alpaca Finance.

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.

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.

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.

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.

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.

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.

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.

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.

Arch Lending is an institutional-grade financial services platform recognized as a premier destination for Bitcoin-backed loans. It enables individual and institutional investors to access long-term liquidity by using their digital assets as collateral, effectively bypassing the need to liquidate holdings. This approach allows clients to retain potential market upside while avoiding immediate taxable events.

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.

Rabbit Finance is a DeFi protocol on Binance Smart Chain offering leveraged yield farming with up to 9x leverage, margin trading for BNB, BTC, and ETH, and a governance platform called RabbitDAO. The protocol operates a lending and borrowing bank mechanism where users provide collateral to access borrowed funds for farming or directional trading positions. Governance is handled via the Rabbit Share Coin (RS) token, minted and staked within RabbitDAO. The platform also includes an NFT game component called Rabbit VS Zombies, integrating NFTs as utility tokens within the broader ecosystem. The site currently displays third-party casino and gambling links in its header, suggesting the project may be dormant or compromised.

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.

Strobe Finance is a decentralized money market protocol built natively on the XRP Ledger (XRPL), enabling users to lend, borrow, and earn yield on assets including XRP and USDC. The protocol operates non-custodially using smart contracts on XRPL, with oracle services provided by Band Protocol and cross-chain connectivity supported by Axelar. Its product roadmap includes native vault strategies with automated yield optimization, a CLOB DEX integration, and a CDP stablecoin module. Strobe targets DeFi users seeking on-chain lending and borrowing within the XRPL ecosystem, and has undergone multiple third-party security audits from firms including Hacken and SoftStack. The legal entity, Blubbo Inc., is registered in Panama City, Panama.

Abracadabra Money is an omnichain DeFi lending protocol that allows users to deposit interest-bearing tokens as collateral to mint Magic Internet Money (MIM), a USD-pegged overcollateralized stablecoin. The protocol operates across multiple chains including Ethereum, Arbitrum, Avalanche, Fantom, Optimism, and Kava, using LayerZero-powered cross-chain infrastructure for seamless MIM transfers at a fixed $1 fee. Its governance and utility token, SPELL, has a capped supply and grants holders fee-sharing rights and voting power over protocol decisions via the Abracadabra DAO. The platform's core product, Cauldrons, enables borrowing and leveraged yield strategies, while MIM Pools allow liquidity providers to earn rewards. An upcoming V2 is positioned to introduce private DeFi banking features including higher loan-to-value ratios and debit card integration.

Aetherum.ai is an institutional technology provider that enables credit unions and banks to offer secure crypto-collateralized lending to their members. The platform features an AI-driven risk engine called the Dynamic Asset Collateralization Score (DACS) which provides real-time collateral monitoring and automated compliance reporting. By integrating directly with existing banking cores, it allows traditional financial institutions to issue USD loans backed by digital assets while maintaining full regulatory oversight and institutional custody.

BENQI is a DeFi protocol built on the Avalanche blockchain offering liquid staking, lending and borrowing, and validator bootstrapping services. Its core products include sAVAX, a yield-bearing liquid staking token that allows users to stake AVAX while retaining liquidity for use as collateral or in DEX pools, and a lending market where users can supply assets to earn interest or borrow against their holdings. The Ignite product lowers the barrier to running an Avalanche validator by reducing the upfront requirement from 2,000 AVAX to a weekly fee starting at 8 AVAX. BENQI also offers a Node Voting mechanism where users can direct AVAX delegation to validators using accumulated Miles. The protocol is audited by multiple security firms including Halborn, Zellic, Cyfrin, and Certora, and integrates with Chainlink oracles and institutional custodians such as Fireblocks and BitGo.

Beraborrow is a DeFi protocol built on Berachain that allows users to deposit collateral and mint NECT, an over-collateralized stablecoin native to the Berachain ecosystem. The protocol's key differentiator is its integration with Berachain's Proof-of-Liquidity (PoL) consensus mechanism, which powers NECT and distinguishes it from generic CDP stablecoin models. Users can also access auto-compounding vaults ('Dens') that reinvest rewards to improve collateralization ratios and reduce liquidation risk, as well as on-chain synthetic leverage tools. As of its website, the protocol reports over $60M in total value locked, $2.5M in protocol fees, and support for 50+ collateral assets. Governance is handled via the POLLEN token.

BitLending is a Japanese cryptocurrency lending service that allows retail and corporate users to earn yield by lending their crypto assets, including Bitcoin and other digital currencies. The platform operates on a custodial model and integrates Fireblocks for institutional-grade asset protection, alongside multi-layered account security features including passkey authentication. It targets Japanese-speaking individual investors and corporate clients seeking passive income from idle crypto holdings without active trading. BitLending offers VIP and long-term loyalty programs, a referral scheme, and market information tools, positioning itself as a hands-off yield product for crypto holders in Japan.