List of Centralised Borrowing & Lending companies in Web3

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

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.

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

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.

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.

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

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.

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.

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.

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.

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%.

Cryptodraft and Stableloan allow users to borrow stablecoins against crypto collateral. The system offers flexible and fixed-term options with rates starting from 0% APR.

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.

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.

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.

Platform connecting businesses with global capital for real-time payments and instant settlements, focusing on emerging markets.

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.

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.