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

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.