List of Decentralised Borrowing & Lending companies in Web3

Fraxlend is a permissionless lending market for Frax stablecoins, enabling customized non-custodial loans and collateral asset onboarding to the Frax ecosystem.

Aave Protocol implements overcollateralized lending through automated liquidity pools, enabling supply and borrow operations across multiple blockchain networks. The system utilizes algorithmic interest rates and liquidation mechanisms to maintain protocol solvency and user capital efficiency.

Jupiter Lend provides overcollateralized borrowing and lending across multiple vaults on Solana. Users deposit assets as collateral to borrow stablecoins and tokens using dynamic interest rate models. The platform offers loan-to-value ratios up to 95%, with JLP vaults enabling USDC borrowing at 83% LTV. Liquidations execute through native JLP redemption rather than forced market selling, developed with Fluid.

ERC4626-compliant lending protocol enabling users to deposit assets into the Liquidity Layer via fTokens to earn sustainable yields with gas-optimized operations.

Kava Mint is a collateralized-debt-position protocol on the Kava Network that lets users deposit supported crypto assets and borrow the USDX stablecoin against their collateral.

Curve Lend is a permissionless lending market that lets users create isolated collateral-debt pairs backed by Curve’s LLAMMA design.

Compound v2 provides pooled liquidity markets enabling users to supply assets as collateral and borrow multiple asset types. The system uses cTokens as receipt tokens representing supplied assets, with interest rates determined algorithmically based on utilization. Users can borrow any supported asset against their collateral while earning interest on supplied funds.

Folks Finance's Algorand application provides decentralized lending, borrowing, liquid staking, and trading services on the Algorand blockchain. Users can deposit assets to earn yield, borrow against collateral, stake ALGO through xALGO, and access DEX aggregation through Folks Router.

Angle Borrowing Module lets users deposit collateral and borrow Angle stablecoins through vault-based lending. The system supports leveraged positions and yield-bearing token collateral while maintaining liquidation mechanisms for risk management.

A lending protocol within Drift's ecosystem enabling users to lend or borrow assets with up to 5x leverage. The system implements dynamic interest rates based on utilization, automated collateral management, and risk-based borrowing limits. Borrowed assets integrate with trading functions through the unified margin system.

Kamino Finance app is an integrated DeFi platform on Solana providing lending, borrowing, liquidity provision, and institutional credit infrastructure. Core features include Lend for automated yield vaults, Borrow for over-collateralized loans across isolated markets, Liquidity for automated concentrated liquidity positions with fee compounding, Multiply for one-click leveraged strategies, and Swap for aggregated token trading. Institutional features include Fixed Rates for locking borrowing costs over fixed terms, Borrow Intents for posting custom loan parameters onchain, Off-Chain Collateral for borrowing against assets held in qualified custody via Chainlink attestation, and Private Credit Vaults for accessing BTC-backed institutional lending yields.

USDaLend provides decentralized lending services backed by USDa credit lines, allowing users to lend and borrow Bitcoin-backed stablecoins with stable and transparent rates across multiple blockchain networks.

C.R.E.A.M. Lending Markets is a permissionless lending & borrowing pools where users supply crypto assets to earn interest or use as collateral to borrow.

An order book-based lending protocol on Solana enabling fixed-rate, overcollateralized loans through direct matching between lenders and borrowers. The protocol supports customizable loan terms including rate, collateral type, loan-to-value ratio, duration, and liquidation parameters across isolated markets. Built on Solana's infrastructure, the system processes atomic settlements while maintaining capital efficiency through elimination of rate spreads inherent in pooled liquidity models.

Banker Joe is a decentralized lending protocol enabling non-custodial borrowing and lending through overcollateralized liquidity pools. The system uses algorithmic interest rates based on supply and demand dynamics, integrates Chainlink price feeds for collateralization monitoring, and distributes protocol fees to token stakers.

Euler Protocol enables users to create custom lending markets through modular vault architecture. The protocol uses the Euler Vault Kit for permissionless vault deployment and the Ethereum Vault Connector for cross-collateral functionality across multiple vault types.

Anvil Protocol implements collateral management through smart contracts, enabling credit issuance and letter of credit creation. The system manages vault deposits while facilitating decentralized governance through ANVL token holders.

JustLend DAO is a decentralized money market protocol on TRON enabling asset supply and borrowing through algorithmic interest rates. The system automatically matches suppliers and borrowers through smart contracts while providing jTokens as interest-bearing receipts. JustLend DAO includes staking functionality for TRX tokens and energy rental services to reduce transaction costs on the TRON network.

Democratized Prime implements on-chain lending pools through smart contracts, enabling users to lend against tokenized real world assets like HELOCs. The system provides institutional-grade lending with transparent blockchain settlement.

A decentralized borrowing and lending platform implementing Credit Account abstraction for composable leverage across DeFi protocols.

Passive Pools provides secure single-asset lending protocols for capital optimization, facilitating steady yield for depositors through lending markets. The system manages interest rates algorithmically based on pool utilization metrics while maintaining capital security. The implementation segregates asset types for isolated risk profiles while offering protected lending environment with no impermanent loss.

Everst Protocol provides lending and liquidation infrastructure for tokenized equities through dual-oracle aggregation and hybrid liquidation routing. The system enables borrowing, shorting, and hedging of tokenized stocks while managing liquidation through on-chain auctions or off-chain broker venues to minimize slippage during volatile equity market periods.

EnsoFi DApp implements cross-chain lending and liquidity providing through standardized interfaces, enabling yield farming across ecosystems and seamless asset management between blockchains.

Glow Finance implements cross-margin lending architecture through isolated margin accounts, enabling leveraged positions and automated yield strategies. The system integrates pooled lending with external protocol adapters while maintaining composability across the Solana ecosystem through pre-built recipe strategies.

Hawksight is a DeFi app that enables users to earn yield from DeFi protocols on Solana and Terra through automated investment strategies and AI-powered trading signals.

Apricot is an lending protocol that supports leveraged yield farming on Solana.

BENQI Markets provides lending and borrowing pools through Core Markets for liquid assets and Avalanche Ecosystem Markets for long-tail assets and tokenized real-world assets. The protocol uses algorithmic interest rate models and isolated market architecture for risk management.

Francium is a DeFi yield strategy platform built on Solana that offers automated strategies including leveraged farming, DeFi combinations, and smart trading for users and strategy builders.

Liquity V2 implements multi-collateral borrowing with user-set interest rates, enabling minting of BOLD stablecoins against WETH, wstETH, and rETH through isolated branch markets. Features include up to 91% LTV ratios, one-click leverage multiplication up to 11x, interest rate delegation to third parties, multiple troves per address, stability pool deposits earning 75% of protocol interest revenue plus liquidation gains, Protocol Incentivized Liquidity directing 25% of revenue to DEX incentives, LQTY staking for governance voting and dual V1 rewards, and redemption mechanism based on interest rates rather than LTV. The protocol maintains immutability while separating liquidation risk from redemption risk through adaptive user-controlled rates.

Lulo is a decentralized lending and borrowing platform that automatically routes deposits to the best lending rates across Solana dApps.

Felix Protocol provides decentralized borrowing and lending services on Hyperliquid L1 through two integrated systems. The CDP Market enables users to mint feUSD stablecoin by depositing crypto collateral with user-selectable fixed interest rates and stability pool mechanisms for liquidations. The Vanilla Markets offer variable-rate lending pools where users can supply or borrow asset-native tokens including HYPE, USDC, and HUSD with dynamically adjusted rates. Users can leverage positions through the CDP system, earn yield by depositing feUSD into stability pools, or participate in traditional supply and borrow operations across both markets within a unified interface.

Perpetual NFT-backed loans with flexible terms and refinancing options.

Exactly Protocol implements autonomous fixed and variable interest rate markets through utilization-based pricing, enabling users to lend and borrow crypto assets across multiple maturity pools. The system determines fixed rates based on pool demand rather than token pricing while maintaining capital efficiency through automated liquidity provision between variable and fixed rate pools.

Enables non-custodial Bitcoin-collateralized loans through Discreet Log Contracts on ARK technology. The platform connects borrowers and lenders in a peer-to-peer system with no counterparty risk through Bitcoin price oracles.

Huma V2 is a yield platform on Solana enabling users to earn returns from real-world payment financing activities through liquidity provision. Users deposit USDC to receive liquid PST tokens representing their share, choosing between Classic mode for stable yield or Maxi mode for reward multipliers. The platform generates returns through transaction fees paid by businesses accessing payment settlement liquidity.

Morphine implements a sub-account architecture for DeFi position management on StarkNet, facilitating undercollateralized lending through dynamic interest rate mechanisms. The system computes real-time yield opportunities while enabling users to set automated position management conditions like take-profit and stop-loss. The protocol aggregates yield sources from multiple StarkNet DeFi protocols, allowing users to maintain exposure to assets while earning yields and applying leverage.

P2P lending platform on Solana for NFT-backed loans. Users can borrow against or lend to Solana NFTs with fast transactions and customizable terms.

Hashstack Open enables permissionless under-collateralized lending on Starknet. Users can borrow up to 500% of their collateral and utilize loans directly for trading on integrated DEXes.

Hobba is a decentralized borrowing and lending platform on Solana that lets users deposit collateral and borrow stablecoins. Users adjust loan-to-value ratios, view liquidation pricing, and use smart earning features to manage risk.

Affluent Protocol is a money market infrastructure on TON Blockchain facilitating trustless yield generation through isolated lending pools and expert-managed strategy vaults. The system combines smart contract automation with professional vault management to allocate user deposits across lending markets, DeFi protocols, and real-world asset strategies. Users access the protocol through Telegram Wallet with one-click deposits while maintaining non-custodial control. The architecture employs TVM-optimized design for parallel processing and modular components for composability.

Asgard Credit Layer is an on-chain credit protocol on Solana that introduces Credit Accounts enabling users to borrow up to 10x their collateral value for deployment across Solana DeFi protocols. The system maintains algorithmic overcollateralization while simulating undercollateralization for borrowers, allowing margin trading, leveraged staking positions, LP yield farming, and stablecoin rate differentials through integration with whitelisted protocols.

Enables customization of DeFi investment products with flexible yields and low costs. Users choose assets, lock-up periods, and generates returns using options strategies.

attn.markets Platform facilitates revenue-backed credit lines through revenue accounts, cash advances, and revolving credit facilities. The system routes onchain revenues into jointly governed accounts, proposes revenue share and horizon parameters, and executes automatic repayment routing while positions remain active. Liquidity providers deposit stablecoins into priority pools to earn yield from diversified revenue-backed positions via attnUSD tokens.

Jet Protocol enables fixed-rate, fixed-term borrowing/lending via orderbook. Supports maker/taker orders and autoroll for chained loans/borrows. Secured by collateral margin accounts. Term deposits contribute zero collateral initially but can increase via governance.