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

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

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.

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.

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.

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

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.

Crypto-Backed Loans enables borrowing against cryptocurrency collateral without selling assets, supporting up to 70% loan-to-value ratios for 36-month terms. The system includes automated margin call management, liquidation protection, and accepts major cryptocurrencies as collateral.

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.

Offramp Savings provides high-yield savings accounts using Dinari's USD+ stablecoin backed by short-term US Treasury securities. The system offers over 5% APY through structured savings solutions while maintaining full transparency and USD stability through partnership with Alpaca Securities.

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

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.

A yield generation service accepting cryptocurrency deposits to generate passive income without lock-in periods. The system processes redemption requests on-demand while distributing daily interest payments to participating users.

OVEX Interest Accounts is a centralized yield product that pays users interest on deposited cryptocurrency holdings. Users deposit supported digital assets into interest-bearing accounts and receive daily interest payments based on tiered annual percentage rates.

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.

High-yield savings product allowing users to earn passive income on USD balances or stablecoin holdings while maintaining liquidity and seamless transfers between bank and custody accounts.

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.

A centralized lending service that lets users borrow USD-denominated funds against BTC collateral while keeping their bitcoin, with flexible repayment and LTV management tools. Users can also access leveraged B2X loans, interest‑earning Growth and non‑interest Transaction accounts, and private wealth and institutional capital services.

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

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.

Digital Asset Lending provides short-duration credit facilities collateralized by onchain digital assets. The platform extends financing for over-collateralized loans backed by cryptocurrency holdings, smart contract-based collateral management, and real-time position monitoring. Borrowers access capital against digital asset portfolios while maintaining exposure, lenders receive secured lending opportunities through regulated banking infrastructure.

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.

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.

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.

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