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

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.

Nonco Institutional Brokerage Platform is an institutional digital asset trading and liquidity service operated by a proprietary trading firm. It provides market making, algorithmic execution, over-the-counter block trading, lending, index pricing, and derivatives structuring for institutional counterparties across spot and derivative markets. Clients access these services through a web interface, application programming interfaces, or chat-based execution, with settlement handled via clearing, smart contracts, or bilateral arrangements. The platform trades as a principal using its own capital rather than acting as a broker or custodian.

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.

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.

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.

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.

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.

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.

Reserve is a centralized Bitcoin-backed lending platform that facilitates USD and GBP loan disbursement against BTC collateral held in segregated custody. The platform maintains a defined LTV ratio with automated margin call monitoring and graduated liquidation thresholds. Lenders provide capital, earn annual yield, and retain the option to receive BTC settlement on liquidation events. Collateral custody is handled via multi-signature providers with no rehypothecation of client assets.

OuriBank Credit Products provide credit and guarantees for working capital and trade needs, including receivables advances and import financing.

Bitcoin Financing Business is a Bitcoin-collateralized financing service providing leverage to institutional Bitcoin holders. The service operates through custody partnerships with select digital asset custodians, including Anchorage Digital and Copper.co, which hold Bitcoin collateral while Cantor provides structured lending facilities to clients.