List of Centralised Borrowing & Lending projects on Ethereum (2026)

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.

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.

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.

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 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.

Democratized Prime is a lending marketplace that enables users to fund loans backed by tokenized real-world assets including home equity lines of credit. The platform uses hourly Dutch auctions for interest rate discovery, with Figure Markets managing borrower matching, interest collection, and collateral oversight on Provenance Blockchain.

Crypto-Backed Loans enables Bitcoin, Ethereum, and Solana holders to borrow cash against their holdings while maintaining long exposure. Loans offer fixed rates up to 75% LTV with no credit checks. Collateral is held in segregated MPC custody wallets viewable on-chain throughout the loan term.

DSCR Loan is a debt service coverage ratio loan product for real estate investors. Loan qualification is based on property cash flow rather than personal income, enabling investors to secure financing for rental properties. The platform uses AI-powered automation with blockchain-based transparency and settlement on Provenance Blockchain.

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.

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.

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.

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.

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.

Bitbns Exchange is a centralised exchange for spot, margin, and futures cryptocurrency trading in India. It matches limit orders across a wide range of digital assets, offers VIP fee tiers that scale down with trading volume and BNS token holdings, and supports leveraged margin borrowing alongside futures contracts with maker and taker fees. Traders can place stop-limit and trailing bracket orders or automate strategies through an API, while fixed deposit products let holders earn yield on idle balances. INR deposits and withdrawals are currently paused for maintenance, though crypto deposits, withdrawals, and trading remain active.

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.

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.

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.

Leverage product enabling users to double Bitcoin exposure by using existing BTC holdings as collateral to purchase additional Bitcoin, executing instant automated loan-to-purchase transactions with integrated collateral management and liquidation protection mechanisms.

Ledn Growth Accounts offer yield on Bitcoin and stablecoins by deploying client assets into Ledn's BTC-collateralized retail loan book, with a proven track record of no loan losses.

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.

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.