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

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.

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.

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.

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.

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

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.

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

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.

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.

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.

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.

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.

Roqqu is a cryptocurrency exchange and wallet that lets users buy, sell, swap, and store digital assets. The app also provides crypto-backed loans, fixed-return savings products, virtual debit cards for spending crypto, and a Web3 wallet section for self-custody and onchain interactions. It serves individual users across Africa managing trading, saving, borrowing, and spending from a single mobile application.

Coinone is a centralized exchange with custody and order matching for KRW and crypto pairs. It supports fiat and crypto deposits, order book execution, and automated strategies via web and mobile. The platform also offers staking rewards on held assets, an automated grid trading bot, and collateralized borrowing against crypto holdings.

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.

ZKE Exchange is a centralized cryptocurrency exchange offering spot and margin trading, futures contracts, and copy trading through centralized order books and custody accounts. The platform also provides automated grid trading bots, tokenized real-world-asset trading, instant asset conversion, savings products, and crypto-collateralized loans, all accessed through a single account. A self-developed matching engine handles order execution, while cold and hot wallet separation, multi-signature controls, and a Merkle tree-based proof-of-reserves system support asset security and transparency. Users trade and manage funds across multiple blockchains through the same platform.

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.

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.

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.

Tala Embedded Credit is a Credit-as-a-Service platform enabling wallets, remittance apps, and gig platforms to offer instant credit to their customers via SDK or API, with Tala providing AI-driven underwriting, capital, and full operational support, while the credit experience is white-labelled within the partner's brand.

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.