Lending & Borrowing

Avalon is a decentralized finance (DeFi) protocol focused on building capital markets for Bitcoin through its CeDeFi lending infrastructure. The platform enables Bitcoin holders to unlock liquidity, earn sustainable yield, and borrow against their assets using USDa—a core stablecoin designed for scalability and security. Avalon supports a wide range of BTC derivatives and liquid staking tokens, transforming Bitcoin into a yield-generating asset within DeFi ecosystems.

BOB is a hybrid <a href="https://www.toolsforbitcoin.com/tag/layer%202" target="_blank">Layer 2(L2)</a> platform that combines Bitcoin's security with Ethereum's versatility, aiming to enhance Bitcoin's utility within decentralized finance (DeFi). By integrating Ethereum Virtual Machine (EVM) compatibility, BOB enables developers to deploy <a href="https://www.toolsforbitcoin.com/tag/smart%20contracts" target="_blank">smart contracts</a> on Bitcoin, facilitating a seamless experience for users and builders alike.

Zest Protocol is a decentralized finance (DeFi) platform designed to enhance the utility of Bitcoin by enabling users to earn yield or obtain loans using their BTC holdings. Operating on the Stacks blockchain, Zest Protocol leverages Bitcoin's security while introducing advanced financial functionalities through open-source, on-chain smart contracts.

Ledn is a financial platform for digital asset holders, offering a range of services such as Bitcoin-backed loans, high-yield savings accounts, and asset management solutions. The platform provides an easy way for individuals and institutions to use their cryptocurrency as collateral for loans, earn interest on their Bitcoin and stablecoins, and access a trusted, regulated environment for managing digital assets. Ledn’s services are designed to meet the needs of cryptocurrency investors who seek liquidity, yield, and security in managing their assets.

Milo is a platform that integrates cryptocurrency into traditional finance, offering innovative services like crypto-backed loans and mortgages. Specializing in providing liquidity to cryptocurrency holders, Milo allows users to unlock the value of their digital assets, such as Bitcoin, without having to sell them. By providing crypto-backed loans for purchasing real estate, refinancing, or growing investments, Milo makes it easier for individuals to leverage their crypto assets for real-world financial opportunities. With a focus on convenience, flexibility, and security, Milo is a solution for crypto holders looking to bridge the gap between digital and traditional finance.

SALT Lending is a crypto-backed lending platform that allows users to leverage their digital assets as collateral for secure loans. By using cryptocurrencies like Bitcoin, Ethereum, and other supported assets, borrowers can access cash without having to sell their holdings. SALT offers competitive interest rates, flexible loan terms, and institutional-grade security, making it a trusted solution for individuals and businesses looking to unlock liquidity while retaining their crypto investments.

Unchained is a Bitcoin financial services platform that provides secure, collaborative custody solutions, Bitcoin-backed loans, and wealth management services. Designed to empower individuals and businesses to take control of their Bitcoin, Unchained offers multi-signature vaults, lending services, and retirement accounts while prioritizing security and self-sovereignty. By combining Bitcoin’s decentralized principles with institutional-grade financial solutions, Unchained helps users build long-term wealth and protect their digital assets.

Yala is a decentralized finance (DeFi) platform that bridges Bitcoin liquidity to various blockchain ecosystems through its Bitcoin-backed stablecoin, $YU. By enabling Bitcoin holders to mint $YU, Yala facilitates participation in DeFi opportunities across multiple chains without the need to sell their BTC holdings.

Poloniex is a cryptocurrency exchange that allows users to trade a wide range of digital assets, including Bitcoin, Ethereum, and various altcoins. Known for its robust trading tools and competitive fees, Poloniex serves both beginner and advanced traders. It offers spot trading, margin trading, and lending services, giving users a wide variety of options to manage and grow their crypto portfolios. Poloniex also provides strong security features, including two-factor authentication (2FA) and cold storage for digital assets.

Lava is a secure, self-custodial financial platform that enables users to buy Bitcoin, borrow dollars against their Bitcoin holdings, and transact globally—all within a simple and intuitive interface. Designed to empower individuals with financial sovereignty, Lava ensures that users maintain full control over their assets while accessing a suite of financial services.

Nexo is a leading digital asset platform that offers a wide range of services to help users manage, grow, and leverage their cryptocurrency portfolio. With features like high-yield savings, crypto-backed loans, and an easy-to-use exchange, Nexo makes it simple to access liquidity and earn passive income on digital assets. The platform supports over 100 cryptocurrencies and provides daily compound interest, giving users the flexibility to manage their assets and finances seamlessly from one platform.

Firefish is an open marketplace that connects Bitcoin holders with investors, facilitating <a href="https://www.toolsforbitcoin.com/category/lending-borrowing" target="_blank">Bitcoin-backed loans</a> without the need for intermediaries. By leveraging on-chain escrow and peer-to-peer matching, Firefish enables users to access liquidity while retaining ownership of their Bitcoin assets.

Templar is a decentralized lending platform that enables users to borrow U.S. dollars (via stablecoins) against their Bitcoin holdings without relying on centralized institutions. By leveraging Multi-Party Computation (MPC) networks and smart contracts, Templar ensures that users retain control over their collateral, aligning with cypherpunk principles of privacy, decentralization, and self-sovereignty.

Torram is a Canadian technology firm developing institutional-grade decentralized finance (DeFi) infrastructure directly on the Bitcoin blockchain. By bridging traditional finance (TradFi) with DeFi, Torram aims to unlock significant value on Bitcoin, providing secure, scalable, and compliant solutions for financial institutions.

Hermetica is a decentralized finance (DeFi) platform that introduces USDh, the first Bitcoin-backed, yield-bearing synthetic dollar. USDh allows users to hold a stable, liquid dollar asset fully backed by Bitcoin, providing an alternative to traditional fiat-backed stablecoins. By staking USDh, users can earn yields of up to 25% APY, derived from perpetual futures funding payments.

Abra is a leading digital assets platform offering a suite of integrated services, including trading, <a href="https://www.toolsforbitcoin.com/category/lending-borrowing" target="_blank">lending, borrowing</a>, and wealth management. Abra provides institutional clients, high-net-worth individuals, corporations, and family offices with powerful tools for navigating the world of cryptocurrencies. The platform combines decentralized finance (DeFi) expertise with institutional risk management to deliver cutting-edge solutions, including liquidity management, structured products, and yield generation strategies. Abra also offers tailored treasury management services for corporate and nonprofit organizations, ensuring that clients retain ownership and control of their assets through a separately managed accounts model.

CoinLoan is a leading crypto lending and borrowing platform that offers users the ability to earn interest on their digital assets and secure loans backed by cryptocurrency. Whether you’re looking to store crypto securely, borrow funds using crypto as collateral, or trade digital assets, CoinLoan provides a comprehensive, regulated platform with high security standards. With products like fixed and flexible interest accounts, instant loans, and crypto exchange services, CoinLoan aims to make cryptocurrency financial services accessible, secure, and easy to use.

Arkadiko is a decentralized, non-custodial liquidity protocol built on the Stacks blockchain, aiming to bring DeFi capabilities to Bitcoin. It allows users to collateralize assets like STX tokens to mint USDA, a stablecoin soft-pegged to the US Dollar, enabling increased liquidity while maintaining original asset exposure.

Mezo is a Bitcoin-centric decentralized finance (DeFi) platform that enables Bitcoin holders to engage in financial activities such as borrowing, lending, and earning yields without relinquishing their BTC holdings. By integrating with tBTC—a decentralized Bitcoin bridge—Mezo transforms Bitcoin from a passive store of value into an active, yield-generating asset within the DeFi ecosystem.

Galoy is a technology company that develops open-source banking software tailored for the Bitcoin era. Their solutions enable enterprises to integrate Bitcoin and digital assets into their financial services, ensuring scalability, reliability, and security.