EasyFi describes itself as a universal layer 2 lending protocol built for DeFi focused on scalability, composability, and adoption. It has been designed as an open network infrastructure to run on public networks to facilitate an end to end lending & borrowing of digital assets and related financial products. The EasyFi network is blockchain agnostic, allowing cross-chain asset settlements. EasyFi uses a Proof-of-Stake consensus mechanism.

The network design is ethereum compatible and blockchain agnostic that facilitates the expeditious settlement of assets over different blockchain networks while retaining custody with the asset owner’s network. The cross-chain framework allows lending & borrowing across a host of markets such as private platforms and permissionless public networks. The network is secured by proof of stake mechanism, governed through participating voters to achieve consensus among network participants.

EasyFi

Trust Wallet

MetaMask

Binance Chain Wallet

Universal Layer 2 Lending Protocol for Digital Assets

Ethereum

Shiba Inu

Chainlink

UNUS SED LEO

Uniswap

Creaticles

XcelToken Plus

hiFRIENDS

Ubex

Pawtocol

blockbank

Phoenix Token

Castweet

HairyPlotterFTX

Gemie

SPURDO

LittleMami

Any Inu

DAV Coin

Redacted

pNetwork

GoChain

Frontier is a chain-agnostic decentralized finance (DeFi) aggregator. The project aims to add DeFi support to several blockchains, including BandChain (BAND), Ethereum (ETH), Binance Smart Chain (BSC) and Harmony (ONE).

Frontier’s applications allow users to manage staking, DeFi positions, best-rate asset swapping, liquidity mining, and collateralized debt position (CDP) creation and monitoring.

In a nutshell, Frontier is bringing the core functions of DeFi to users, regardless of the platforms they use.

Frontier began development in April 2019, and the beta platform launched in November 2019.

Frontier

Populous is a network designed to offer small and medium-sized enterprises (SMEs) invoice liquidity for up to 90 days. Launched in 2017, Populous is designed to enable peer-to-peer (P2P) interaction between enterprises, boost liquidity and solve problems with working capital for SMEs.

By relying on blockchain technology and smart contracts, the Populous network facilitates decentralized communication between businesses and allows them to share liquidity pools. According to the network’s official whitepaper, there is a need for liquidity in the sector, and Populous is trying to bring the solution. By providing short-term liquidity to enterprises through P2P lending, the network gives enterprises quick access to capital, which cannot be achieved by waiting for customers to settle invoices.

Populous

Akropolis is a company that operates an Ethereum-based decentralized finance protocol that seeks to provide an autonomous financial ecosystem for saving and growing wealth, including through borrowing and lending. To do so, it offers a series of products including AkropolisOS, a framework for developing for-profit decentralized autonomous organizations, Sparta, a platform for uncollateralized lending, and Delphi, a yield farming aggregator and tool for dollar-cost averaging.

The project uses an ERC-20 token, AKRO, for protocol governance across its suite of products.

Akropoli was first announced in March 2018, launching on the Ethereum mainnet in June 2020.

Akropolis

Bella Protocol is a platform that provides a suite of DeFi products designed to make crypto banking simpler and more accessible. The protocol aims to create a better user experience by eliminating the high fee and slow transaction issues that can affect some blockchain platforms — while simultaneously improving the user experience through its simplified DeFi smart portal.

Bella's smart pool feature allows users to access the best yields available in the DeFi market, while benefiting from nearly zero gas fees — since these are directly subsidized by the platform.

The project launched in September 2020 as the first project distributed via Binance’s Launchpool platform, and has secured investments from several prominent firms, including Arrington XRP Capital and Ledger Capital.

The protocol was built by the ARPA team, a blockchain-based layer 2 solution for privacy-preserving computation. The BEL token is an essential component of the Bella Protocol ecosystem and serves as both a reward token that allows holders to participate in the governance of the platform.

BEL can be used to farm fee rewards from the network, get exclusive discounts on Bella protocol products (such as its robo-advisor tool), and for earning staking rewards.

Bella Protocol

xMoney (formerly known as Utrust) was designed to provide a solution to the problems resulting in low usability of cryptocurrency as means of payment, particularly the underdeveloped transactional security of payment platforms and relatively high fees.

The main goal of the platform is to build a system that will enable fast and seamless crypto transactions at lower fees, therefore allowing merchants to reach a large audience of crypto holders.

The platform allows buyers to make secure purchases while also offering an option for refunds and protecting sellers from the high volatility of the crypto market.

The main goal of the platform is to build a system that will enable fast and seamless crypto and fiat transactions at lower fees, therefore allowing merchants to reach a large audience of crypto holders.

The platform allows buyers to make secure purchases while also offering an option for refunds and protecting sellers from the high volatility of the crypto market.

xMoney also aims to create a more reliable payments platform by combining the best features of blockchain and traditional fiat systems.

By leveraging cutting-edge technology and a strategic partnership with MultiversX, xMoney empowers individuals and businesses to optimize their payment processes, drive growth, and deliver exceptional experiences to their customers. With its commitment to innovation and excellence, xMoney continues to lead the way in transforming the financial industry.

xMoney (UTK) native token and its tokenomics UTK 3.0 primary purpose is to drive desired behaviors, such as accepting crypto and fiat for businesses and facilitating payments with the same for users. This encourages more companies to join the ecosystem, creating a flywheel effect that benefits buyers, users, investors, token holders, and businesses. The adoption of decentralized financial tools and currencies is further fostered through this collaborative approach.

xMoney

Billed as a "network of decentralized markets and communities," district0x is a platform that allows users to easily launch their own decentralized platforms which are governed by a decentralized autonomous organization (DAO) structure.

Each of these platforms is termed a “district” and can be launched free of charge on the district0x. The ecosystem is powered by the custom d0xINFRA framework, which provides a set of basic smart contracts and libraries users can use when building out their districts — enabling a wide array of potential use-cases.

The native token of the district0x ecosystem is DNT — an ERC-20 utility token that is mostly used for community governance.

The platform uses a combination of three main technologies: Ethereum, Aragon and the InterPlanetary File Transfer Protocol (IPFS).

The Ethereum blockchain is used for hosting districts, whereas Aragon is used as the governance layer for the district0x network, allowing DNT stakers to benefit from governance rights and help shape the development and operation of their chosen districts. Lastly, IPFS is used for serving the district0x website source code and for user uploads within districts.

district0x

Litentry

NULS

BitShares Blockchain is a decentralized “Blockchain as Organization” (BaO); an industrial-grade decentralized open source platform built to run high-performance financial technology operations. It represents the first decentralized autonomous decentralized community that enables its core utility token (BTS) holders to decide the Blockchain future direction in order to develop and maintain a wide range of decentralized financial technology products, features and functions. BitShares Blockchain is a Blockchain that permanently records financial technology operations between different Blockchain accounts and facilitates a wide range of access controls across BitShares Blockchain user financial means.

BitShares Blockchain is a technology that supports the digital generation entrepreneurs, investors, and developers with a common interest in building and participating in free market solutions by leveraging the power of globally decentralized consensus and decision making. Consensus technology has the power to do for economics what the internet did for information. It can harness the combined power of all humanity to coordinate the discovery and aggregation of real-time knowledge, previously unobtainable. This knowledge can be used to more effectively coordinate the allocation of resources toward their most productive and valuable use.

BitShares looks to extend the innovation of the Blockchain to all industries that rely upon the internet to provide their services. Whether its banking, stock exchanges, lotteries, voting, music, auctions or many others, a digital public ledger allows for the creation of distributed autonomous companies (or BaO) that provide better quality services at a fraction of the cost incurred by their more traditional, centralized counterparts. The advent of (BaO) ushers in a new paradigm in organizational structure in which companies can run without any human management and under the control of an incorruptible set of business rules. These rules are encoded in publicly auditable open source software distributed across the computers of the companies’ shareholders, who effortlessly secure the company from arbitrary control. BitShares does for business what bitcoin did for money by utilizing distributed consensus technology to create companies that are inherently global, transparent, trustworthy, efficient and most importantly profitable.

BitShares has went through many changes and has done its best to stay on top of Blockchain technology. BitShares is using Consensus as the mechanism by which organized people decide upon unitary rational action. While not considered technology in the traditional since, consensus “technology” is the basis of democratic governance and the coordination of free market activity first coined by Adam Smith as the “Invisible Hand.” The process of consensus decision-making allows for all participants to consent upon a resolution of action even if not the favored course of action for each individual participant. Bitcoin was the first system to integrate a fully decentralized consensus method with the modern technology of the internet and peer-to-peer networks in order to more efficiently facilitate the transfer of value through electronic communication. The proof-of-work structure that secures and maintains the Bitcoin network is one manner of organizing individuals who do not necessarily trust one another to act in the best interest of all participants of the network. The BitShares ecosystem employs Delegated Proof of Stake in order to find efficient solutions to distributed consensus decision making.

BitShares

Kava Lend is a decentralized money market built on the Kava Platform that enables the lending and borrowing of cross-chain assets. Kava Lend supports supply-side deposits for BTC, XRP, BNB, BUSD, and USDX. The platform will allow overcollateralized borrowing for supported assets.

Kava Lend

Reef is a Reliable Extensible Efficient Fast Layer-1 Blockchain for DeFi, NFT & Gaming. Built using Substrate Framework, it provides high scalability, enabling almost instant low-cost transactions, and supports Solidity and EVM, allowing developers to seamlessly migrate their DApps from Ethereum without any change in the codebase.

Reef Chain is the most advanced EVM-compatible blockchain. It's self-upgradable and has on-chain governance. Its infrastructure also allows for EVM extensions which allows for native token bridge, scheduled calls (ie. recurring payments), and smart contract in-place code upgrades. In the near future, it will support additional VMs which will allow developers to write code in multiple programming languages. The network runs on a Nominated Proof-of-Stake (NPoS) consensus mechanism, which offers scalability and low fees.

REEF is the native token that is used for:

Fees for processing transactions and storing data.

Running validator nodes by staking REEF tokens.

Nominating which validator nodes should be part of the network.

Reef is backed by multiple leading funds and venture capitalists including NGC, QCP, Bitcoin.com, Kenetic Capital, LD Capital, TRG Capital, Krypital Group, Genesis Block, Woodstock Fund and others.

Reef Chain development tools include:

Remix and EVM integrated development environments for uploading and deploying smart contracts.

Reefscan blockchain explorer to assist with deploying validators, bonding and nominating validators, debugging contracts, and understanding network performance.

Reef command line tools that allow developers deploy applications from local environments.

Reef wallet for accessing and interacting with the blockchain

Reef

Linear is a decentralized delta-one asset protocol capable of instantly creating synthetic assets with unlimited liquidity. The project opens traditional assets like commodities, forex, market indices and other thematic sectors to cryptocurrency users by supporting the creation of “Liquids” — Linear’s synthetic asset tokens.

The protocol consists of various products like Linear.Buildr, a DApp used to manage Liquids using Linear (LINA) and other tokens as collateral. The exchange is specifically created to enable trading of a variety of Liquids with rapid confirmation times and robust security.

LINA is an ERC-20 token built on the Ethereum network whose main purpose is as collateral for Liquids (using Buildr) and for community governance of the protocol. All token holders have access to the Linear DAO, enabling them to vote on different initiatives and proposals, helping to shape the development of the Linear ecosystem.

The main goal of Linear is to provide a superior user experience with better scalability and greater speed thanks to the cross-chain capabilities of the protocol. Linear Finance intends to provide a simple solution for users that want exposure to traditional assets while still benefiting from the features enabled only by blockchain technology.

Linear Finance

DIA (Decentralised Information Asset) is an open-source oracle platform that enables market actors to source, supply and share trustable data. DIA aims to be an ecosystem for open financial data in a financial smart contract ecosystem, to bring together data analysts, data providers and data users. In general, DIA provides a reliable and verifiable bridge between off-chain data from various sources and on-chain smart contracts that can be used to build a variety of financial DApps.

DIA is the governance token of the platform. It is currently based on ERC-20Ethereum protocol.

The project was founded in 2018, while the token supply was made available to the public during the bonding curve sale from Aug. 3 through Aug. 17, 2020, where 10.2 million tokens were sold.

WazirX

Billed as "digital money for the modern world," nano is a lightweight cryptocurrency that is designed to facilitate secure, practically instant payments, without fees, and addresses some of the major limitations of both legacy financial infrastructure, and many modern cryptocurrencies.

Development of the project began in 2014 under the name RaiBlocks, and the coin (then termed XRB) launched the following year through a public faucet, which allowed users to claim small amounts of XRB after completing a captcha challenge. Anyone with access to a computer or phone could solve captchas, and be rewarded with RaiBlocks. The number of XRB people received per solved captcha varied over time

RaiBlocks (XRB) was rebranded to Nano in January 2018, with the new name chosen to better represent the speed and simplicity the project offers to users.

It is a peer-to-peer platform that uses a unique block-lattice data structure to allow users to easily transfer value to one another without relying on centralized intermediaries.

Unlike other platforms which typically use the combined proof-of-work of a massive mining network to achieve consensus, nano instead uses a system known as Open Representative Voting (ORV) — which sees account holders vote for their chosen representative, who then work to confirm blocks of transactions securely.

ORV makes Nano extremely energy efficient, positioning it as a more environmentally friendly alternative to proof-of-work (POW)-based cryptocurrencies.

In November, 2021, aiming to bring nano to the real world and to comply with the globally-recognized standards of the International Organisation for Standardisation (ISO) requirements, nano adopted a new ticker and a standard symbol: XNO and Ӿ.

Nano

Ethernity Chain

C.R.E.A.M Finance is a decentralized  DeFi lending protocol for individuals, institutions and protocols to access financial services. Part of the yearn.finance ecosystem, C.R.E.A.M. Finance is a permissionless, open source and blockchain agnostic protocol serving users on Ethereum, Binance Smart Chain Polygon and Fantom.

Users who are passively holding Ether or wBTC can deposit their assets on C.R.E.A.M. to earn yield, similar to a traditional savings account. For more information visit https://app.cream.finance/.

The C.R.E.A.M. Finance protocol was created as a Compound Finance fork.

C.R.E.A.M Finance is open-source, permissionless, blockchain-agnostic and offers yield farming rewards to its users in order to inclusively develop its network.

The project (which stands for Crypto Runs Everything Around Me) was launched unexpectedly on the Ethereum network on Aug. 3, 2020 through the YOLO liquidity pool. In September 2020 it went live on the Binance Smart Chain (BSC).

The CREAM token allows users to lend, borrow, stake assets and help govern the network, allowing them to vote on assets to support or delist.

Cream Finance

Founded in 2015, StormX is one of the first global cryptocurrency-based solutions to reach worldwide markets. As a mobile app and browser extension, StormX aims to bring users cashback in crypto for most of their online purchases. With enterprise partners like Samsung, Nike and Lego. StormX also allows users to stake the native STMX token to boost their rewards.

The company has already attracted investments from Blockfolio, Litecoin Foundation and Kyber Network. StormX has successfully developed its product and has become an industry leader in the crypto cashback community. The company is also catching users’ attention by offering cashback of up to 87.5% for some purchases.