List of Decentralised Borrowing & Lending projects on BNB Chain (2026)

Kava Mint is a collateralized debt position protocol on Kava Network that lets users borrow the USDX stablecoin against deposited crypto assets. Each position must stay over-collateralized, and positions that fall below the required ratio can be liquidated. Accepted collateral, collateral ratios, and fees are set by KAVA governance.

Kava Lend is a decentralized money market on Kava Network where users supply assets to pooled markets to earn interest and borrow against their deposits. Lenders and borrowers also earn HARD, the market's governance token. HARD holders vote on which assets are offered, how rewards are distributed, and platform fees.

ChangeNOW Exchange is a decentralised exchange that lets users swap cryptocurrencies without creating an account. It matches trades using liquidity sourced from multiple venues and offers both fixed and floating rate options for each swap. The service also includes a fiat-to-crypto on-ramp so users can acquire assets using traditional payment methods, trading directly from their own wallets across multiple supported blockchains.

SODAX is a cross-network execution and liquidity protocol that coordinates financial actions across multiple blockchain networks through a solver-based intent model. A proprietary solver evaluates execution paths and routes user intents through a multi-bridge architecture combining proprietary relays with third-party bridging protocols. An integrated money market provides lending and borrowing infrastructure that also serves as execution liquidity for cross-network settlement.

Nostra is a decentralized finance application on Starknet that combines lending and borrowing, liquidity pools, token swaps, and cross-chain bridging in one connected-wallet experience. Users supply and borrow assets against tokenized collateral positions using risk tiers, efficiency modes, and dynamic interest rates, with flash loans and automated liquidation protection built in. The platform also runs automated market maker pools with verified, experimental, volatile, stable, and degen risk designs that feed liquidity into the swap function for token exchanges. A bridging module, powered by a cross-chain interoperability partner, moves assets between Starknet and other blockchain networks.

Algorand App is the Folks Finance DeFi suite on Algorand, with lending and borrowing markets, liquid staking, and a DEX router in one interface. Users deposit assets to earn yield, borrow against collateral, stake ALGO for xALGO to earn consensus rewards while staying liquid, and automate looped positions. Folks Router aggregates DEX liquidity on Algorand so swaps route through the best available pools.

xChain App is the cross-chain lending and borrowing app of Folks Finance, built on a hub-and-spoke model in which a hub chain holds unified liquidity pools that connected spoke chains can access. Users lend, borrow, and trade across multiple networks from a single cross-chain account, with assets kept native on their own chains. Listed markets include stablecoins, liquid staking tokens, and assets from partner ecosystems.

Echo Lending is the decentralized lending market of Echo Protocol on Aptos. Users supply aBTC, liquid staking tokens and stablecoins as collateral and borrow supported assets at interest rates set by utilization. Bitcoin holders can use it to access liquidity or leverage without selling their BTC exposure.

Balanced is a cross-chain DeFi platform providing a money market and exchange across multiple blockchains. The money market enables users to supply crypto assets to earn variable-rate interest and borrow against cross-chain collateral. The exchange aggregates prices from multiple decentralized exchanges via SODAX Intents, settling cross-chain swaps within seconds. The bnUSD stablecoin is accessible as a fixed-rate borrowable asset, backed by over-collateralized crypto collateral.

Nexo Platform is a licensed crypto neobank that combines interest-bearing savings accounts, crypto-backed credit lines, a multi-asset exchange, and a dual-mode payment card in a single application. Users earn daily compound interest through flexible or fixed-term deposits, borrow cash or stablecoins without liquidating holdings, and manage portfolios across multiple digital asset classes. The platform also offers zero-interest credit lines and dual-currency investment products for eligible users.

Venus Protocol is a decentralized money market where users supply assets to earn interest and borrow against collateral. The core pool sets interest rates by supply and demand, offers E-Mode for more efficient borrowing against related assets, and liquidates undercollateralized positions. Users can mint the VAI stablecoin against collateral and open leveraged positions in a single transaction. Liquidity Hub vaults route one deposited asset across several yield sources. Venus Prime boosts yields for XVS stakers through non-transferable tokens funded by protocol revenue.

PWN Protocol is a permissionless peer-to-peer lending protocol that lets users borrow and lend using virtually any digital asset as collateral. Loans are set up with fixed terms negotiated between counterparties, and because pricing is oracle-less, collateral cannot be seized through price-based liquidation, only through missed repayment. The protocol supports several access modes, from simplified fixed-term note strategies to curated markets and a fully customizable peer-to-peer marketplace, and integrates with a range of external DeFi lending and yield venues to source liquidity and collateral options.

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.

Avalon DeFi Lending provides decentralized liquidity protocols for Bitcoin Liquid Staking tokens and Bitcoin derivatives, creating yield opportunities for Bitcoin holders through isolation pool mechanisms.

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.

Euler V2 is a modular lending platform built on the Euler Vault Kit and Ethereum Vault Connector, enabling permissionless deployment of custom lending vaults with isolated risk management and cross-vault collateralization.

BiFi Cross-chain is a lending market on the Bifrost Network where users supply native assets from connected blockchains as collateral and borrow on another network. Deposits move through Bifrost's cross-chain bridge without wrapped tokens, and validators verify each transaction. Supply and borrow rates adjust in real time with market supply and demand across a range of stablecoins and major crypto assets.

Legacy BiFi is the original BiFi lending app, where users supply assets to earn interest and borrow against them on each supported blockchain separately. It also offers pooling and staking of BiFi liquidity tokens, and users earn BiFi token rewards for lending activity. The app remains available from the BiFi website alongside BiFi Cross-chain.

Everst is a decentralized lending protocol for tokenized equities that lets users borrow, short, and hedge against tokenized stock collateral. It combines a dual-oracle price feed, drawing on Chainlink and Pyth, with hybrid liquidation routing that resolves undercollateralized positions through on-chain auctions or off-chain broker venues to limit slippage during volatile equity markets. The protocol operates across multiple blockchain networks and is aimed at users seeking leveraged exposure to tokenized equities.

Term Finance Protocol is a fixed-rate lending protocol that matches borrowers and lenders through recurring sealed-bid auctions. Each auction clears at a single market rate, and collateral stays in non-custodial smart contracts for the loan term. Lenders receive tokens that redeem for principal plus interest at maturity.

Fuze OS is a digital asset infrastructure platform that lets banks, fintechs, and other businesses embed crypto trading, custody, payments, and stablecoin services into their own products. It provides unified APIs for wallet creation, fiat and crypto account management, trading execution, and compliance monitoring. The platform handles order execution, custody orchestration, and reconciliation while giving operators a dashboard to track transactions and compliance events. It supports fiat-to-crypto conversion, cross-border settlement, and AI-assisted compliance automation. Businesses use it to launch branded trading, payment, and wallet experiences without building regulatory or custody infrastructure themselves.

Pike Markets is a decentralized money market with integrated exchange functionality for correlated assets. Users supply assets to earn yield, borrow against collateral, and swap assets whose liquidity can also serve as lending collateral. Governors create custom lending markets with their own risk parameters, and each market stays isolated from the rest. Governance uses multiple tiers with time-delayed execution of protocol changes.

Gearbox Protocol is an onchain lending and leverage protocol where lenders deposit assets into pools and earn the interest paid by borrowers. Borrowers open Credit Accounts that hold collateral and debt and can act only on approved protocols, with solvency checks and liquidations protecting the pool. Curators deploy their own markets on the same contracts, setting assets, debt ceilings, rates, and oracle rules.