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Lend Flare is a revolutionary lending platform on the Ethereum blockchain. It focuses on making Curve LP tokens and Compound Ctoken assets more valuable and double the profits.

Lend Flare

Cozy Finance is building risk management software for DeFi.

We believe that open and community-driven financial applications are the future and that effective risk management plays a critical role in achieving their potential.

Cozy Finance

Dharma is a protocol for generic tokenized debt agreements. Dharma is a platform for building borderless lending products using programmable, tokenized debt.

Dharma

The power of a financial institution in your hands. Your own investment fund. On your phone. For free.
Why? Because finance is technology. And technology is for everyone.

Forget about Bad Banks. This is Mad Max. But on Wall Street.

A$H is an investment app targeting millennial retail investors. It enables mobile investments in digital assets and offers gamification, as well as social features. The app runs on the Melon protocol, a decentralized fund management system.

SALT lets you leverage your blockchain assets to secure cash loans. We make it easy to get money without having to sell your favorite investment. SALT streamlines every step of the loan. The application process has been simplified by focusing on the value of the borrower’s blockchain assets instead of their credit score. Borrowers are automatically matched with capital from SALT's extensive network of lenders. SALT keeps collateral assets safe in a fully-audited, ultra-secure architecture during the life of the loan so members can borrow with confidence.

SALT

Gelato, Automate your Ethereum smart contracts. Outsource your web3 DevOps needs and enjoy the perks of Ethereum's most reliable bot network at your fingertips.

Gelato enables users & developers to automate their Ethereum dapp interactions with projects like Uniswap, Maker or Compound.

Gelato

Spectral Finance is on-chain credit scoring system and novel collateral subsidization model, to solving undercollateralized loans in DeFi without doxing a user’s identity while incorporating practical recourse measures.

Spectral Finance benefits from the first-mover advantage. They are aiming to tackle on-chain credit assessments and undercollateralized lending primarily on-chain and without doxing their users.

Spectral Finance is developing a — first-of-its-kind — credit risk oracle and loan underwriter that will serve as a middleware solution for the entire DeFi ecosystem, namely the credit markets. The credit ratings generated by Spectral will determine the amount of collateral required by a user.

Spectral’s credit ratings are determined by three factors:

On-chain financial history in DeFi
Credit delegation by other users
Off-chain data points (optional)

Empowered by Spectral, borrowers will now be able to purchase under-collateralized loans from leading DeFi protocols such as Aave or Compound. By doing so, Spectral leverages the robustness and supply-side network effects of the existing DeFi credit markets to optimize capital efficiency.

The Spectral protocol will be responsible for posting the collateral needed to service the over-collateralization ratio required by most DeFi lending protocols.

Spectral will manage its own liquidity pool. Liquidity providers are motivated to provide the financial capital needed to post collateral, in return for an interest rate that corresponds with a borrowers credit risk.

Spectral Finance

Aave is an open source and non-custodial protocol enabling the creation of money markets. Users can earn interest on deposits and borrow assets.

AAVE

StableCredit is an upcoming product in research & development that combines three pillars of existing DeFi infrastructure: Minting synthetic debt (DAI, Synthetix); Decentralized lending platform (Compound, AAVE); Automated Market Maker (AMM) functionality (Uniswap, Sushiswap).

StableCredit will enable users to deposit assets as collateral and obtain a line of credit (denominated in StableCredit USD) based on the dollar value of the assets at deposit. For example, a user can deposit 100 LINK and will obtain $1,100 worth of StableCredit USD (at the time of writing LINK is ~$11). StableCredit USD can then be traded for other assets available in the protocol.

Exchange rates between StableCredit USD and assets in the protocol are determined by price feeds from oracles (Chainlink), and current utilization ratios of assets within the platform. For example, if liquidity providers have lent 100 DAI to the pool and 90 DAI is borrowed, the utilization ratio is 90%. Similar to how bonding curves work, there will then be a significant premium for any additional DAI borrowing (the cost to borrow DAI will be > $1). Users will be able to borrow up to 75% of the value of their collateral (i.e., utilization ratio of 75%).

The AMM will also support single-sided liquidity exposure for liquidity providers (LPs). Current popular AMM models, such as Uniswap and Sushiswap, require LPs to deposit both assets in a liquidity pool. For example, in a ETH-USDC liquidity pool, the liquidity provider would be required to deposit ETH and USDC in a 50/50 ratio. This increases the barrier to entry for liquidity providers and also the capital requirements. Single-sided liquidity provisioning will enable LPs to deposit only one of the assets in the liquidity pool (i.e., either ETH or USDC). As a result, the barriers of entry to be a LP will be greatly reduced, and should contribute to an overall increase in capital efficiency.

StableCredit

Ledn, Financial services for hodlers of digital assets. Canada's Bitcoin-backed Lender - Loans funded within 24 hours. HODL your Bitcoin securely & diversify your assets.

Ledn is reinventing financial services around cryptoassets for Canadians. Its first product, Bitcoin-backed loans, offers the best rates and simplest application process in the Canadian market and is designed to help investors ‘hodl’ their cryptoassets. Applying for a Ledn loan is easy, does not affect your credit score and requires only Bitcoin as collateral. Bitcoin is held securely in institutional-grade cold-storage, and borrowers retain all benefits from any appreciation in the value of their asset. Ledn is the first company to announce Bitcoin-backed loans in Canadian dollars.

Lend Flare

Revolutionary lending platform on the Ethereum blockchain.

Lend Flare Introduction

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