List of Centralised Borrowing & Lending companies in Web3 (2026)

EMCD OnLock is a centralized crypto-backed lending product that enables users to access USDT liquidity by pledging cryptocurrency as collateral. Users retain ownership of their holdings while the platform assigns a USDT credit based on the collateral value at a defined loan-to-value ratio. The product is intended for users seeking liquidity without selling their crypto positions.

BitMart Earn offers fixed and flexible savings, staking and dual-investment products that let account holders deposit crypto and earn interest or staking rewards.

Morpho Optimizers implements peer-to-peer matching algorithms using existing liquidity pools as fallback. The system matches lenders and borrowers with compatible interest rates while maintaining protocol compatibility. Optimizer contracts redirect excess liquidity to underlying protocols when peer-to-peer matching is insufficient.

Bitnob Lending is a crypto-backed business lending service that provides fast, automated loans secured by digital asset collateral. Users deposit BTC or USDT as collateral and receive loan disbursements in minutes with transparent terms, configurable loan periods, and dashboard-based repayment tracking.

Cwallet Loan is a centralized lending feature that allows users to borrow against collateralized crypto for liquidity without selling holdings.

Komainu Connect is an collateral management platform enabling trading and lending with assets held in custody through triparty agreements, reducing counterparty risk while maintaining segregated storage.

Swapzone Loans is a cryptocurrency lending and borrowing service available through the Swapzone platform.

A comprehensive yield-generating suite offering multiple earning products including Crypto Earn for staking rewards, Dual Earn for enhanced yields, Dutch Auction Earn for auction-based returns, and Dual Investment for structured products.

CoinW Earn is a savings suite that pays interest on idle crypto through flexible and fixed-term deposits, including Auto-Invest and other structured products.

XT Earn is a centralized yield platform offering flexible and fixed-term savings, on-chain staking and wealth-management products.

Maya Loans provides consumer lending products through Maya Bank including instant personal loans, Maya Credit revolving credit lines, and Maya Easy Credit for short-term liquidity needs. Customers apply directly within the Maya app using AI-powered credit scoring and receive disbursement immediately upon approval, with loan amounts up to ₱30,000 for eligible users.

Biconomy Earn is an interest-bearing account that lets exchange users lock supported coins for fixed terms and earn yield.

Nebeus Crypto-Backed Loans provide liquidity against cryptocurrency collateral through five loan structures;Interest Only, Mirror, StableLoan, Flexible, and Bullet, with loan amounts and currencies varying by type. Users deposit supported assets as collateral, with loan sizes ranging from €50 in the Flexible structure up to USDC 10,000,000 in the Interest Only structure.

A crypto-backed borrowing service that allows users to pledge digital assets as collateral to borrow USDT, BTC, XRP, or ETH with flexible repayment terms, unlimited loan duration, and daily interest calculation, while maintaining ownership of pledged assets.

Hotcoin Earn allows account holders to deposit cryptocurrencies in flexible or fixed-term products to earn interest.

Bitcoin Suisse Loans is a crypto‑backed lending service that provides fiat liquidity while keeping positions invested in crypto. Users borrow CHF, EUR, or USD against supported collateral held in custody through a single Swiss counterparty.

Bitstamp Earn is a comprehensive cryptocurrency earning platform offered by Bitstamp that allows users to generate passive income from their digital assets through crypto-lending

Blynex Loan is a crypto-collateralized borrowing service where users deposit digital assets as collateral to access loans of up to 50% of the collateral value in USDT. A 0% APR grace period applies, with flexible package options for loan duration.

Coinstore Earn is a fixed-term savings service that lets users lock supported crypto assets for periods ranging from 7 to 360 days in return for interest rewards credited to their spot accounts.

Figure HELOC is a home equity line of credit that provides homeowners with access to equity in as fast as 5 minutes with funding in as few as 5 days. The product uses a fully online application process and settles loans on Provenance Blockchain for transparency and efficiency.

Remitano Lending provides cryptocurrency borrowing and lending services through centralized platform management, enabling users to earn interest on deposited assets and access credit against collateral.

Spark Institutional Services provides structured crypto financing and B2B liquidity infrastructure for institutional clients. Institutional Lending offers fixed-rate OTC loans secured against digital asset collateral with integration support for leading custodians. Spark Prime enables CeDeFi margin lending using Arkis portfolio margin technology within a brokerage framework. Liquidity as a Service provides programmatic stablecoin allocation via the Spark Liquidity Layer for stablecoin issuers, rollup teams, and DeFi protocols. Yield as a Service delivers embeddable savings infrastructure for exchanges, custodians, and wallet providers.

Zerocap Treasury Management is a crypto-fiat treasury and lending service for corporate and institutional clients providing insured MPC custody secured by Lloyd's of London, international fiat-to-stablecoin on/off-ramp for supply chain settlements, crypto-backed lending solutions, and access to structured products across bonds, FX, and digital assets. Clients manage digital asset portfolios with T+0 to T+1 blockchain settlement across global banking rails, with tier-based authorization workflows, multi-wallet whitelisting, and a secure trading portal with streaming pricing and RFQ.

Interest-bearing savings product that pays weekly yields on deposited crypto assets.

Buda Créditos provides cryptocurrency-backed lending services, allowing users to collateralize Bitcoin to receive peso loans with flexible payment options. The service offers up to 50% loan-to-value ratios with monthly interest rates starting at 1%.

Finna Lending is a centralized borrowing platform that provides flexible fiat loans using digital assets as collateral. Users can secure Naira loans with USDT and USDC collateral across Ethereum, BSC, and Tron networks, featuring a 2% fixed interest rate and 30-day maximum loan duration. The platform offers up to 90% loan-to-value ratio with a pay-as-you-go interest model where early repayment reduces costs. Instant withdrawals to Nigerian bank accounts complete within 3 minutes, making it accessible for users seeking fiat liquidity while retaining digital asset ownership.

FV Bank Custody Money Market Account is an interest-bearing USD account enabling clients to earn passive income on USD or stablecoin holdings while maintaining instant access to funds during business hours. Clients self-direct investments by transferring funds from their FV Bank account into the custodial money market account with no lockup requirements and seamless transfers back to their bank account.

Galaxy Lending operates one of the largest crypto lending desks globally, enabling institutions to leverage digital assets as collateral for financing with white-glove support from a regulated lending institution.

Quantia Platform is a prime brokerage service providing institutional-grade crypto custody, staking rewards, lending, and trading through Swiss-regulated infrastructure. The system integrates MPC cryptography with hardware isolation while connecting to tier-one liquidity providers through ClearLoop without delegating asset custody.

SALT Lending enables centralized crypto-backed borrowing and lending, accepting Bitcoin, Ethereum, and stablecoins as collateral. Borrowers receive fiat or stablecoin loans without credit checks, while accredited investors earn yield by providing liquidity. The platform includes automated margin monitoring, SALT Shield for margin call protection, and Stabilization for collateral conversion to USDC during market volatility.

ClawCredit provides autonomous credit lines for AI agents through t54's Trustline risk engine. Agents register using invite codes, receive credit scores, and autonomously apply for credit lines to pay for compute resources, API calls, and x402-enabled services. The system settles payments onchain using stablecoins while maintaining agent reputation through usage patterns and repayment behavior.

Abra Loans provides collateralized borrowing against digital asset holdings, enabling clients to access liquidity in fiat or stablecoins without liquidating crypto positions, with flexible loan-to-value ratios and repayment terms.

ikigii Loans provides instant BTC-backed dollar or stablecoin loans at up to 50% LTV, with 10% annual interest, a 1-year term with renewal option, and no penalty for early repayment, allowing users to access liquidity without selling their Bitcoin.

Ledn Bitcoin-Backed Loans allow clients to borrow cash or stablecoins using BTC as collateral, with tiered pricing for larger loans, plus B2X loans that instantly double Bitcoin exposure without monthly interest payments.

zkLend Institutional is an institutional lending service offering under-collateralized loans with KYC requirements, customizable loan terms, and compliant access to DeFi markets.

Cross River Digital Lending is a centralized lending platform that enables fintechs to launch and scale loan programs through API-based origination, underwriting, compliance oversight, and capital markets solutions. The platform supports the full loan lifecycle from application to securitization and sale, including crypto-backed loan financing for short-duration, over-collateralized loans backed by onchain collateral.

Maple Finance is an institutional capital marketplace built on Ethereum and Solana, providing uncollateralized loans to crypto-native borrowers and yield opportunities for lenders, powered by the MPL token for governance and staking.

Access instant liquidity to power your payments, eliminate delays and reduce prefunding requirements across markets. 
Optimize your treasury management by ensuring funds are always where you need them.

Voltage Credit is a revolving line of credit for businesses denominated in USD or Bitcoin, with payments processed over the Bitcoin Lightning Network. Businesses draw from the credit line to send instant payments over Lightning or on-chain, then repay from a bank account or in BTC on a set schedule. A USD-denominated line keeps cryptocurrency off the corporate balance sheet entirely. A BTC-denominated line serves businesses operating natively in Bitcoin, with credit limits that scale based on transaction volume. Carries zero origination fees and a fixed APR on outstanding balances. Available to qualified businesses in the United States, operated by Voltage Credit, LLC (NMLS ID: 2676234).

Legasi is a crypto-backed lombard credit platform that enables borrowing in fiat using digital assets as collateral. Users access liquidity in several currencies without selling their crypto holdings.

Tala Mobile is a consumer lending app delivering instant credit lines to underbanked customers across emerging markets, using alternative data and machine learning for underwriting, with integrated digital wallet and crypto-enabled money transfer capabilities.

ViaBTC Collateral-Pledged Loans is a centralized lending service that allows miners to borrow USDT by pledging cryptocurrency assets as collateral without liquidating their holdings. Users can pledge BTC, BCH, LTC, or DOGE to access liquidity for operational expenses such as electricity and equipment costs. The service features a minimum loan of 50 USDT with no upper limit, a fixed annual interest rate of 9.9%, instant loan approvals, and flexible repayment directly from mining earnings. Repayments can be made at any time without fixed due dates, and interest is calculated daily using simple interest.

Arf Liquidity delivers short-term USDC-based credit lines to licensed financial institutions for cross-border payment settlements. The platform tokenizes payment receivables as collateral through blockchain infrastructure, enabling same-day treasury settlements without prefunding in destination markets. Financial institutions access revolving liquidity with 1-5 day repayment terms while maintaining full on-chain transaction transparency and regulatory compliance through Swiss VQF supervision.

LSEG Post Trade implements clearing, settlement, and collateral management for financial transactions. The system provides risk management and regulatory reporting capabilities across multiple asset classes and jurisdictions.

Reserve is a centralized Bitcoin-backed lending platform that facilitates USD and GBP loan disbursement against BTC collateral held in segregated custody. The platform maintains a defined LTV ratio with automated margin call monitoring and graduated liquidation thresholds. Lenders provide capital, earn annual yield, and retain the option to receive BTC settlement on liquidation events. Collateral custody is handled via multi-signature providers with no rehypothecation of client assets.

Bitcoin Financing Business is a Bitcoin-collateralized financing service providing leverage to institutional Bitcoin holders. The service operates through custody partnerships with select digital asset custodians, including Anchorage Digital and Copper.co, which hold Bitcoin collateral while Cantor provides structured lending facilities to clients.

OuriBank Credit Products provide credit and guarantees for working capital and trade needs, including receivables advances and import financing.