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.

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.

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.

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.

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.

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

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.

EMCD Account is a custodial multi-asset platform account that stores, sends, receives, and swaps digital assets across multiple blockchain networks through a single login and dashboard. From the same account, users access savings under the Coinhold or Grow brand for daily-credited yield, peer-to-peer crypto-to-fiat trading, a centralized exchange for instant swaps, fiat on and off ramps, a crypto-backed lending product called OnLock, and a linked spending card. The account also provides delegated staking for select proof-of-stake assets, an index and real-world-asset investment offering marketed as Indesk or Portfolio, and tokenized U.S. equities and pre-IPO exposure branded xStocks, all settled through the same trading account. Every capability is reached through the shared web and mobile sign-in rather than a separate account or standalone application.

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.

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.

Wirex App, also presented under the Wirex One branding, is a self-custody wallet and multi-currency account platform for holding, exchanging, and spending digital and traditional currencies. Users exchange between cryptocurrencies and fiat, access flexible and fixed-term savings and short-duration dual-currency investment products, and use crypto-backed borrowing against their holdings. A linked debit card lets holders spend balances directly at merchants with cashback rewards, and a premium membership tier unlocks priority support and expanded features for qualifying balances. The app combines these functions within a single account and interface rather than as separate services. It serves individual consumers seeking one place to manage, grow, borrow against, and spend both crypto and fiat money.

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.

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

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.

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.

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.

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.

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.

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 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.

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.

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.

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.

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%.

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.

Manteca API Platform is a payments infrastructure and orchestration service that lets fintech companies integrate crypto, brokerage, payment, and banking services across Latin America through unified APIs. It aggregates crypto deposits and withdrawals, brokerage account onboarding, QR-based payments, fiat-crypto ramp conversion, bill payments, and virtual account issuance behind a single integration layer. The platform handles regulatory compliance, identity verification, and multi-currency settlement, and is used by businesses seeking to embed financial services without building backend infrastructure. It supports crypto operations across multiple blockchains and connects to regional payment rails and banking systems throughout Latin America.

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.

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.

ikigii Loans is a centralized lending service that provides dollar or stablecoin loans collateralized by Bitcoin. Users pledge BTC as collateral to receive a loan of up to fifty percent of its value, with the platform managing custody of the collateral and assessing loan terms. Loans carry a one-year term with renewal options, fixed annual interest, and no penalty for early repayment, giving Bitcoin holders access to liquidity without selling their holdings.

Finna is a centralized platform that provides stablecoin-backed fiat loans and currency conversion services through a single wallet application. Users deposit stablecoins as collateral to receive local currency loans at a fixed interest rate, with early repayment reducing total cost and withdrawals settled to local bank accounts. The same account and interface let users convert stablecoins to local fiat and back instantly without added fees, avoiding the need for a separate application. Payment and card features are also embedded within this wallet, allowing users to manage borrowing, conversion, and spending from one account.

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.

MANSA Protocol is a cross-border settlement platform that provides on-demand stablecoin capital to licensed payment operators through a single API. It replaces prefunded corridor accounts with liquidity delivered at the moment of settlement, alongside currency conversion, instant payouts, and dedicated virtual account issuance. Payment operators use it to move funds across markets in Africa, Latin America, the Middle East, and Southeast Asia without holding idle capital in every corridor. The platform also streams institutional foreign-exchange pricing and issues per-client or per-corridor virtual IBANs for automated reconciliation.

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.

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).

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.

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.

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.