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

Aave Institutional Credit is a bilateral lending service that provides institutional counterparties with loans against crypto and traditional finance collateral, held with a qualified regulated custodian rather than in a shared onchain pool. Rate, term, and loan-to-value are individually underwritten and settlement occurs in stablecoins, with real-time collateral monitoring and defined margin-call cure windows. The service is aimed at institutional borrowers and lenders seeking a minimum loan size, with a dedicated credit officer assigned to each loan.

Kraken Prime is a prime brokerage for institutions that combines multi-venue trade execution, integrated custody, and financing in one platform. Orders are routed across multiple liquidity providers with smart order routing, multiple order types, and analytics, while assets stay in regulated, bankruptcy-remote custody. Clients draw a single line of credit across venues, borrow against custodied assets, trade without pre-funding positions, and earn rewards on pledged collateral.

Mt Pelerin Crypto Lombard Loans provide fiat liquidity to clients who want to avoid selling their crypto holdings, collateralized fully by Bitcoin or Ether. Loans are arranged through a private banking network, giving borrowers access to cash while retaining exposure to potential price appreciation of their pledged collateral.

TransFi Liquidity Facility is a funding product that provides businesses with short-term capital to support payment operations and settlement flows. It offers flexible financing intended to help companies bridge liquidity gaps in cross-border payment and treasury operations. The product serves business clients that need access to working capital tied to their transaction volumes rather than individual consumers.

MAX Exchange is a centralised cryptocurrency exchange operating in Taiwan that offers spot trading of digital assets against the New Taiwan Dollar through a matched order book. It provides API access for automated and institutional trading, recurring buy programs, and grid trading bots, alongside borrowing and yield features layered on top of custodial wallet balances. Fiat funds are held through bank trust custody arrangements, and the exchange supports deposits and withdrawals across a wide range of blockchain networks and tokens.

GBonds is an investment feature within the GCash app that lets users purchase government or corporate bonds directly through the wallet interface. Users browse available bond offerings, invest funds from their GCash balance, and track holdings and maturity within the app. Bond issuance and settlement are handled by partnered financial institutions.

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.

Blockchain.com Wallet is a self-custody application that lets users buy, sell, swap, and store digital assets while retaining control of their private keys. It connects to decentralized applications, manages NFTs, and provides access to trading products including leveraged perpetual futures and a sub-minute prediction market alongside yield and crypto-backed lending features. The app serves retail users seeking a single interface for everyday crypto activity and DeFi access across multiple blockchain networks.

Blockchain.com Wealth is a premium investing platform for high-net-worth clients that combines a dedicated trading desk, yield-bearing deposit accounts, and crypto-backed loans. Clients place large orders through a concierge desk staffed with relationship managers rather than a public order book, earn yield on deposited assets at a stated rate, and borrow against holdings without selling them. The platform operates through its own account and interface separate from the general consumer application.

YouHodler is a fintech platform that lets users buy, exchange, and manage cryptocurrency and stablecoins through a unified account. Users can purchase assets with fiat, convert between cryptocurrencies and stablecoins, borrow cash against crypto collateral without selling holdings, and open leveraged directional positions on multiple pairs through a configurable multiplier tool called MultiHODL. The platform also includes a self-custody Web3 wallet, a yield account with tiered rewards on deposited assets, a gamified mining rewards feature, a cross-border payment address, and a tiered loyalty program, and is accessible through web and mobile apps.

Komainu Connect is a collateral management service that lets institutions trade, borrow, and lend through partner venues while their assets stay in segregated custody. Account control agreements remove the need to pre-fund venues and reduce counterparty risk.

Komainu CORE is a digital collateral service that locks custodied assets as collateral under enforceable legal control notices. It provides real-time visibility of loan-to-value ratios and margin thresholds, whitelisted counterparty management, and a liquidation framework.

Bitfinex Borrow is a peer-to-peer lending platform enabling users to borrow digital assets against collateral with customizable terms. Users can set preferred interest rates and loan durations, or utilize automated tools to secure funding at current market rates for leveraged trading positions.

Cwallet Loan is a centralized crypto lending service that lets users borrow digital assets against crypto collateral held in their Cwallet account. Cwallet sets the required collateral from the current value of the pledged asset, pays the loan into the account, and liquidates the collateral if its pledge rate reaches the set level. Loans are funded by other users' savings deposits, and borrowers redeem their collateral once the loan is repaid.

Cropty Wallet is a custodial crypto wallet for storing, sending, and receiving cryptoassets. Users can send funds to other Cropty users by email address, phone number, or username with no fee. Crypto-backed loans let users borrow stablecoins against deposited assets without selling them. The earn feature pays rewards on stablecoin deposits with no lock-up. The wallet is available on iOS, Android, web, a Telegram mini app, and a Chrome extension.

Swapzone Loans is an aggregator that compares crypto-backed loan offers from partner lending platforms. Users send collateral to the chosen provider and receive a loan.

EMCD Account is the custodial multi-asset account of the EMCD platform, branded EMCD Coinhold Wallet, that stores, sends, receives and exchanges digital assets across multiple blockchain networks from one web and mobile sign-in. Its Grow savings product pays fixed yield on deposited crypto, and Borrow lends stablecoins against crypto collateral without the user selling it. The same account offers instant buys, an exchange with more than 200 trading pairs, peer-to-peer crypto-to-fiat trading and a payment card for spending balances worldwide. It also provides delegated staking for selected proof-of-stake assets and investment offerings in indexes, real-world assets and tokenized equities. Earnings can be withdrawn or reinvested from the account without moving funds to another platform.

Maya Loans provides consumer lending products through Maya Bank, including personal loans, a revolving Easy Credit line, Flexi Loan, and Pay in 4 installment purchasing. Customers apply directly within the Maya app using automated credit scoring and receive disbursement upon approval. The products let users borrow for expenses, spread purchases into installments, or access short-term liquidity without requiring a traditional credit card.

Avalon CeDeFi Lending is a centralized lending service that gives institutions a Bitcoin-backed stablecoin credit line at a fixed 7% annual rate. Borrowers deposit BTC or FBTC as collateral, which an independent custodian holds, and request USDT loans sized by loan-to-value, with loans and collateral withdrawals released within one to two business days. The stablecoins come from institutional lenders, and Avalon runs liquidations through its own trading system to limit market impact.

CoinW Earn is a savings platform that pays interest on idle cryptocurrency holdings through flexible and fixed-term deposit products across multiple digital assets. Users can also access an auto-invest feature that automates recurring purchases to build positions over time. The platform is designed for holders who want passive returns on their digital assets without engaging in active trading.

Biconomy Earn is the yield section of the Biconomy.com exchange, where users deposit supported coins to earn interest. Simple Earn offers flexible and fixed-term products on a range of supported assets, with rates shown as an annual percentage. Dual Investment is offered in the same section.

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.

Nebeus Renting is a yield product enabling users to earn up to yield on cryptocurrency holdings with daily reward distributions across supported assets. Users deposit crypto into the Renting programme and receive rewards credited daily to their Nebeus account.

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

Hotcoin Earn is a centralized lending and yield product that allows account holders to deposit cryptocurrencies into flexible or fixed-term products to earn interest. Users select a supported asset and a duration, and the platform pools deposits to generate returns paid out at a stated annual percentage yield. It targets holders seeking passive income on idle crypto balances without managing DeFi positions themselves.

August is an onchain prime brokerage platform that gives institutions infrastructure to manage and settle digital assets. It combines smart contract accounts, pricing and risk engines, and execution tools so institutions can borrow, lend, and trade across DeFi, spot, and OTC markets. It also serves as the custody layer that other protocols, including Upshift, build on.

Wirex App is a multi-currency account and wallet platform for holding, exchanging, and spending digital and traditional currencies. Users exchange between cryptocurrencies and fiat, earn on flexible and fixed-term savings, and manage both in a single account and interface. A linked debit card lets holders spend balances at merchants with cashback rewards, and a premium tier adds a personal manager, higher limits, and expanded features for high-balance clients. It serves individual consumers who want one place to manage, grow, and spend crypto and fiat money.

Swyftx Crypto-Backed Loans is a lending product that lets personal Swyftx account holders in Australia borrow Australian dollars against Bitcoin held as security. Users apply, pledge Bitcoin as collateral, and receive approved funds deposited to their bank account, while monitoring the loan balance and making flexible repayments or adding collateral to maintain it. The loan is originated and managed by a licensed third-party consumer lender under a distribution partnership with Swyftx, distinct from Swyftx's own spot trading accounts.

BitGo Prime is a digital asset prime brokerage service that provides trading, financing, collateral management, and settlement within a regulated custody environment. It lets institutional clients access financed or leveraged positions while assets remain held in qualified custody, reducing counterparty exposure between trading and custody. The service also connects to off-exchange settlement and delivery-versus-payment mechanisms tied to custodied collateral.

Upbit Lending lets users borrow digital assets by pledging assets they hold as collateral. Users choose from supported collateral and borrowable assets and can add collateral to borrow more while the lending ratio stays below its limit.

Bitcoin Suisse Loans is a crypto-backed lending service that provides fiat liquidity while keeping positions invested in crypto. Users borrow major fiat currencies against supported collateral held in custody through a single counterparty.

Amber Premium Digital Wealth Management is a managed investment platform for institutional and high-net-worth clients seeking structured digital asset exposure. It offers structured investment products such as dual currency strategies and regulated strategic funds that combine centralized and decentralized liquidity. The platform also provides collateralized lending against digital asset holdings and a regulated fiat on/off-ramp for converting between crypto and fiat currencies. Clients access these services through dedicated web and mobile applications supported by a personal relationship management model.

Bitstamp Earn Lend is a centralized crypto lending service that lets eligible customers earn yield by lending supported digital assets through their Bitstamp account. Bitstamp manages borrower credit assessment and collateral while depositors receive returns based on the asset and lending terms selected. It is accessible through both the Bitstamp web platform and mobile app.

Maple Finance is an institutional lending platform providing secured loans to crypto-native borrowers and yield opportunities for lenders. Loans are overcollateralized and backed by liquid digital assets, and the SYRUP token provides governance.

Spark Institutional Services provides structured crypto financing and liquidity infrastructure for institutional clients. Institutional Lending offers fixed-rate loans secured against digital asset collateral and integrates with custodians. Spark Prime is CeDeFi margin lending that lets borrowers deploy collateral across DeFi and centralized venues within one brokerage framework. Liquidity as a Service gives stablecoin issuers, rollup teams, and DeFi protocols programmatic access to capital allocated through the Spark Liquidity Layer. Yield as a Service delivers embeddable savings infrastructure for exchanges, custodians, and wallet providers.

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

Coinstore Earn is the savings service of Coinstore, paying returns on deposited crypto through flexible, fixed-term, and on-chain earn products. Flexible deposits can be withdrawn at any time, while fixed products lock assets for a set number of days at an estimated APR. Rewards are paid in the listed revenue currency to the user's account.

Figure HELOC is a home equity line of credit with a fully online application, pre-approval in minutes and funding within days for smaller loans. Each line carries a one-time origination fee, needs no in-person appraisal for those smaller loans and can be redrawn. Each loan originates as a DART loan recorded on Provenance Blockchain.

Democratized Prime is a lending marketplace on Figure Markets that matches cash or crypto deposits with borrowers seeking liquidity against home equity, auto, small business and crypto-backed loans brought on-chain. Rates move with supply and demand in each pool, interest accrues hourly from the moment of deposit, and funds can be withdrawn at short notice. Every loan is fully backed by crypto or real-world assets locked on blockchain.

Crypto-Backed Loans let holders of major cryptocurrencies borrow cash against their holdings without selling them and without a credit check. Loans run for a fixed interest-only term at a fixed rate with a one-time origination fee, and optional liquidation protection costs extra. Collateral sits in segregated, decentralized MPC wallets that stay viewable on-chain and is never re-lent.

DSCR Loan is a financing product for real estate investors that qualifies borrowers on a property's rental income rather than personal income, with no income documents or tax returns required. Loans cover single-family homes, condos, townhomes and small multi-unit properties, with a lower loan-to-value cap for cash-out refinances. An AI system reviews documents and quotes instantly, and funding takes weeks.

Busha is a consumer cryptocurrency exchange app that lets individuals buy, sell, and convert a wide range of digital assets using local currency on-ramps. It offers automated recurring purchases, instant conversions between assets, and peer-to-peer sending and receiving of crypto and stablecoin balances. The app also includes savings plans with an interest-free option, crypto-backed loans collateralised by supported digital assets, a stablecoin-backed virtual USD card for global spending, and bill payment tools. All these features operate within a single account and interface, giving users a combined trading, saving, borrowing, and spending experience.

Cryptocurrency Investment Platform is a centralized exchange and investment platform for buying, selling, and swapping digital assets. It offers preconfigured portfolio bundles, scheduled recurring purchases, and staking and lending products that generate yield on deposited assets. Users can delegate holdings directly to validator infrastructure on-chain or opt into a fully managed investment mandate handled by the platform. It serves individual investors and businesses seeking to hold and grow cryptocurrency balances, operating under a Crypto-Asset Service Provider licence.

1KPrime Lending is a centralized lending service that extends credit to institutions against Bitcoin collateral. Loans of up to 70 percent loan-to-value are funded the same day in stablecoins or fiat currency, with collateral held at Tier-1 custodians without rehypothecation. The service also accepts other digital assets as collateral and manages risk through defined margin-call and liquidation thresholds.

Lemon Card is a payment card product offering both a prepaid VISA card and a credit VISA card for spending pesos and fiat currencies while linked to a Lemon account. The prepaid card converts wallet balances at the point of sale and rewards purchases with Bitcoin cashback, while the credit card extends a peso credit line backed by pledged Bitcoin holdings, repayable monthly without selling the underlying collateral. Both card types integrate with the Lemon wallet for real-time spending, contactless payments, and configurable limits. The product serves users who want to spend digital assets or access short-term credit without liquidating their crypto holdings.

Ledn Bitcoin-Backed Loans is a lending product that allows clients to borrow cash or stablecoins using Bitcoin as collateral without selling their holdings. Loans start at fifty percent loan-to-value, require no mandatory monthly payments, and use automated collateral top-ups and buffer thresholds to reduce liquidation risk. Larger loans qualify for tiered, lower interest rate pricing, and collateral is held with a qualified independent custodian.

B2X Loans is a leveraged Bitcoin product that combines a Bitcoin-backed loan with an automatic purchase of an equal amount of additional Bitcoin, instantly doubling a client's Bitcoin exposure. The loan and the newly purchased Bitcoin are managed together as collateral, with tiered annual percentage rates depending on loan size. When the loan is repaid, both the original collateral and the newly acquired Bitcoin are returned to the client.

Ledn Growth Accounts is a savings product that pays yield on Bitcoin and stablecoin deposits, funded by deploying client assets into Ledn's over-collateralized retail loan book. Clients earn a variable annual percentage yield with full visibility into how interest is generated, and can access separate account offerings for different supported stablecoins. The product has recorded no losses on its retail loan book to date.

Ledn Private Wealth is a relationship-managed service tier for clients seeking personalized support across Ledn's Bitcoin-backed lending and account products. It provides a dedicated relationship manager, expedited access for loans and transfers, and custom pricing and service terms. The offering is aimed at long-term Bitcoin holders requiring priority execution and tailored terms rather than standard self-service access.

Ledn Capital is an institutional lending offering that provides capital and credit facilities to counterparties using Bitcoin-related collateral structures, separate from Ledn's retail loan and account products. It is accessed through a dedicated institutional interface rather than the standard consumer platform. The offering serves institutional counterparties seeking bitcoin-backed financing at scale.

ZebPay OTC is an over-the-counter trading desk for institutions and high-net-worth individuals. It executes large orders in a range of crypto assets with dedicated trade managers, tight spreads, and a credit line with post-trade settlement and minimal collateral requirements. A prime brokerage lending service adds two-way price discovery, structured products, and loans, and research reports support trading decisions.

CoinRabbit is a centralized platform for borrowing, storing, trading, and earning interest on crypto assets. It lets users pledge crypto as collateral to receive instant loans without selling their holdings, while also providing wallet storage, an integrated exchange for swapping hundreds of tokens, and a savings feature paying daily interest on deposited assets. The platform serves individual retail crypto holders seeking liquidity, storage, and yield within a single account, and supports a wide range of blockchains and digital assets as collateral, trading pairs, or interest-bearing deposits.

CoinRabbit Private Program is a membership-based financial services tier for high-net-worth individuals and institutions holding significant crypto capital. It bundles the platform's lending, custody, trading, and savings capabilities with custom loan terms, cross-collateralization, over-the-counter trading, and direct transfers to bank accounts. A dedicated private manager coordinates service delivery for members, distinguishing this tier from the standard self-service platform through personalized, higher-touch relationship management.

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.

Zerocap Treasury Management is a crypto-fiat treasury and lending service for corporate and institutional clients. It converts between fiat and stablecoins for supply chain settlements, moves funds between wallets, and holds assets in insured custody. A client portal adds tier-based approval of withdrawals, multi-wallet whitelisting, and structured products that span traditional and digital assets.

Kyrrex Crypto Loans is a centralized lending service that lets users borrow USDT against crypto assets deposited as collateral. Borrowers transfer collateral to their Kyrrex account and receive funds immediately, with no credit check and no fixed repayment schedule. The borrowed USDT can be used for trading or on-chain activity while the borrower keeps exposure to the collateral.

Bithumb Exchange is a centralized exchange that lets users trade cryptocurrencies against the Korean won and Bitcoin through a web platform, mobile apps and an open API. It runs separate KRW and BTC markets, and members deposit and withdraw won through a linked real-name bank account after identity verification. Flexible and fixed staking let members earn rewards on supported proof-of-stake assets, with fixed-staking assets locked until unstaking completes. A coin lending service lets verified members borrow assets against collateral, with automatic repayment rules tied to the lending ratio. Portfolio buying groups several assets by theme so members can buy them in one order.

VALR Borrow lets users take instant loans against crypto collateral without credit checks or selling their assets. Users pick the asset to borrow, secure the loan with one or more eligible assets that each carry their own loan-to-value ratio, and withdraw on-chain or convert to fiat. Collateral can be topped up or released as values change, and repaying the loan returns the collateral.

RedotPay Credit is a crypto-collateralized lending product that grants users a flexible credit line backed by pledged cryptocurrency holdings. Users pledge supported assets such as bitcoin, ether, or other tokens to unlock a real-time credit limit without selling their holdings, and collateral is automatically staked at the moment a payment is made. The credit line can be used for card spending and other in-app transactions, with monitoring tools tracking market changes to manage liquidation risk.

Crypto Life Card is a payment card that converts digital assets held in a self-custody wallet into fiat at the point of purchase, letting users spend crypto at merchants worldwide. Users top up and manage the card from a connected web3 wallet or the platform's web application, earning cashback on purchases. The platform also provides a crypto-backed credit line and a fixed-term loan, letting users borrow against crypto holdings as collateral without selling them. Borrowing terms and spending limits can be improved by staking the platform's native token.

Buda Créditos is a crypto-backed lending product that allows users to pledge bitcoin as collateral to receive an instant peso loan without selling their holdings. Borrowers choose flexible repayment terms, including interest-only, standard installment, or early full or partial repayment options. Collateral is held until the loan is repaid, after which the pledged bitcoin is released automatically.