Lending Protocol
bonds.org
Bonds.org is a pioneer in decentralized asset lending on Cardano, allowing enthusiasts to take full advantage of lending and borrowing opportunities.
bonds.orgYamfore
A crypto backed loan platform with no liquidation events, no interest payments, and indefinite loan periods. Fundamentally long on the price of ada.
YamforeKulfi Finance
A decentralized lending and borrowing platform for Cardano native tokens. Borrowers pay a fixed interest rate, lenders receive a fixed rate for depositing funds
Kulfi FinanceFlac Finance
A lending protocol where users can borrow fiat against their crypto and stablecoin assets. Initially targeting the Indian market.
Flac FinanceADALend
A lending protocol of single currency pools with an unlimited borrowing duration and fluctuating interest rates based on loan length and pool utilization rate.
ADALendFluid Tokens
A peer-to-peer lending protocol where borrowers set the terms and front their Cardano NFT as collateral for an ADA loan. Lender then choose which loan to fund.
Fluid TokensLending Pond
A decentralized lending and borrowing platform where borrowers list Cardano NFTs as collateral for an ADA loan and lenders choose which loans they want to fund.
Lending PondLiqwidX
A decentralized borrowing protocol accepting ADA as deposits for over-collateralized loans issued as a stablecoin that is algorithmically pegged to USD.
LiqwidXAada
A decentralized, non-custodial crypto asset lending platform offering both over-collateralized and under-collateralized loan, and an ERC-20 converter.
AadaRevuto
A subscription management and micro-lending and borrowing platform aiming to redefine their user's personal management of subscription services.
RevutoParibus
A cross-chain, collateralized loan platform aiming to help users unlock the liquidity locked in a wide variety of digital assets.
ParibusB58 Finance
A mobile-based wallet with an integrated DeFi platform, aiming to increase Cardano adoption through the familiarity of the access point for the general public.
B58 FinanceLiqwid
An open source and non-custodial liquidity protocol for interest rate curves based on lender supply and borrower demand of the underlying Cardano native asset.
LiqwidMELD
Deposit crypto to use as collateral and receive a cash loan, deposited into any bank account in the world.
MELDAzima
Azima is a fintech startup with a crypto token and decentralised application allowing users to conduct P2P trading between fiat currency and digital assets
AzimaRepoLedge
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RepoLedgeOsmium DAO
Osmium DAO is meant to represent a professionally managed treasury owned by the community.
Osmium DAOAstarter
A launchpad and accelerator for projects building on Cardano, also featuring a DEX, a decentralized lending and borrowing, and a technical support platform.
Astarter
Cardano lending protocols are just one part of the Cardano DeFi landscape. Cardano lending protocols allow you to leverage your ada and other, select Cardano tokens - by using them as collateral - to receive loans. There are various ada lending rates available from the lending protocols listed here and the Cardano lending protocol you hear about most, or the one your friends tell you about, may not always be the best fit for your specific needs.
These Cardano lending protocols allow you to create Cardano collateral loans where, typically, you lock your ada up as collateral in a smart contract to receive, typically, stablecoins as a loan. You can also create Cardano flash loans (typically payable in one epoch), and there are even protocols that allow you to use your NFTs as collateral—commonly called Cardano NFT loans. You can find these protocols here.
The ada lending rate you receive is often algorithmically calculated, and can vary over the length of your loan depending on the utilization rate of the pool your loan came from.
So far we’ve only mentioned using Cardano lending to take out Cardano loans, using your ada as collateral. However, you can also become the bank and put your ada to work in these Cardano DeFi protocols by depositing it into the liquidity pools where Cardano collateral loans are taken from. Each protocol offers a different rate for the lender so make sure to check the rates (and utilization) on offer before committing your ada to a Cardano lending protocol.
Frequently Asked Questions
- Can I use ADA as collateral?
Yes! There are multiple Cardano lending protocols that allow you to use your ada as collateral to receive loans; typically in stablecoins. Each lending protocol has its own rates, terms, and conditions so, depending on the length of the loan you’re looking for, amongst other things, one of many different protocols may suit you better.
- Can I lend Cardano?
If you want to make money from your long term Cardano holdings then you can put it to work in a Cardano lending protocol to, potentially, make a return on these long term holdings. If you’re looking to use your Cardano as collateral to take out a loan then that can also be done in one of the same Cardano lending protocols—all listed here on this page!