3Jane is a credit-based money market on Ethereum enabling unsecured lines of credit underwritten against verifiable proofs of crypto & bank assets, future cash flows, and credit scores. This unlocks a three-dimensional collateral space within crypto financial markets by introducing future-backed loans alongside existing asset-backed loans. 3Jane integrates onchain address credit scoring models via Cred Protocol and Blockchain Bureau with offchain VantageScore 3.0 credit scores via zkTLS, enabling risk-adjusted underwriting at scale.

Credifi is a decentralized protocol that enables unsecured lending in DeFi through verifiable credit scoring and default management. Governed by the CRDT token, credifi manages risk, fraud, and adjusts scoring algorithms. Borrowers receive an ERC-1155 token, linked to a cryptographically signed certificate stored on-chain, that serves as collateral in DeFi lending platforms.

Divine is building Credit, an undercollateralized lending system for the 1.4 billion people without access to credit.

Zest Protocol is a Bitcoin lending protocol that enables Bitcoin liquidity providers to earn Bitcoin yield through professionally managed lending pools. These pools lend to the most credit-worthy borrowers in crypto. For borrowers, Zest offers on-chain Bitcoin loans directly against their balance sheet.

Figure is a financial technology company using the Provenance Blockchain for loan origination, equity management, private fund services, banking, and payments sectors, bringing speed, efficiency, and savings to both consumers and institutions. Figure Equity Solutions is a one-stop solution for private companies and startups to raise capital, manage equity, and trade shares on a single platform. Figure Marketplace is a blockchain-based investment platform that provides access to a variety of private companies and private funds.

Credora enables data-driven and transparent lending across both CeFi and DeFi. The team has developed private credit infrastructure that evaluates the real-time creditworthiness of borrowers, while protecting sensitive data.

Lucia operates as a non-custodial lending and borrowing protocol, aimed at furnishing individuals and startups with access to credit based on a foundation of trust. The protocol offers borrowers the opportunity to obtain credit, underpinned by a comprehensive credit assessment through on and offchain attribution re-defining credit score processing, and leading to competitive collateralization rates. Upon successful evaluation, borrowers can secure funds, with the potential to borrow up to 100% against their collateral holdings.

Blockdog is a blockchain credit score solution designed to make crypto lending safer and smarter. It was founded by Jatin Mehta. The product builds a credit score by fetching the 360-degree credit history for a crypto wallet across blockchains and lending protocols. Blockdog's machine learning models use this data to build a credit score.

Size is a credit marketplace with unified liquidity across maturities. The order book model where offers are expressed as yield curves.

Qiro Finance is a decentralized credit protocol that empowers credit applications powered by tokenized RWAs. Qiro Finance aims to address the huge credit gap that is prevalent in regions such as Southeast Asia by leveraging blockchain technology and a stablecoin framework.

Synnax is a credit rating standard for modern credit markets. It generates credit ratings for companies seeking to expand their access to credit, both in the digital(on-chain)and traditional off-chain)credit markets, Synnax ratings emerge from a unique consensus mechanism powered by a decentralized network of AI models. These ratings are complemented by real-time credit intelligence, offering invaluable insights for lenders, underwriters, and users of credit ratings.

Lendvest is a decentralized credit score framework purpose-built for DeFi protocols. Lendvest helps lending platforms maximize risk-adjusted returns and enables borrowers to get better rates on their digital assets.

Avari, a credit-based lending protocol, has been acquired by Maple Finance, bringing undercollateralized lending to Solana.

Credix is a decentralized credit platform that gives borrowers in emerging countries access to previously untapped capital. Credix works directly with local borrowers such as FinTech lenders to provide them with capital at attractive interest rates, so they can use the funds for lending purposes. Investors can access these securitized and high-yield opportunities through the platform. Accredited investors (hedge funds, private equity, etc.) can invest in credit deals directly or diversify their risk by investing in liquidity pools.

Atlendis is a capital-efficient DeFi lending protocol that enables uncollateralized crypto loans. Institutional borrowers can obtain flexible and competitive loan terms. Uncollateralized loans function as a revolving line of credit, giving borrowers flexibility for recurrent and short-term liquidity needs. Lenders earn high returns on actively loaned-out capital and have granular control over their investment portfolios. Unused capital is placed on a trusted third-party liquidity protocol, while simultaneously earning additional returns from Atlendis. There is no idle capital on Atlendis, enabling trusted borrowing and lending, and opening a wide range of use cases for borrowers.

RociFi is a decentralized credit economy with non-transferable, blockchain-native credit scores designed to facilitate zero- and under-collateralized lending. At its core, the protocol leverages on-chain data, machine learning, and loan risk management to effectively and profitably facilitate under-collateralized loans through the blockchain. This innovative approach seeks to bring in a new wave of capital efficiency and revenue growth in DeFi lending.

Sublime is a DeFi lending platform that allows borrowers to access loans based on their digital identity and on-chain history.

BNPL Pay is a decentralized lending protocol that puts credit in the hands of those who need it the most: those who cannot meet the requirements for collateralized loans. It tackles the counterparty risk associated with uncollateralized borrowing through a distributed network of Banking Nodes. BNPL Pay's system delegates tasks such as credit checks, risk assessment and other due diligence requirements to pool operators and creates incentive structures that reward and punish them for effective performance.

Anvil is a system of Ethereum-based smart contracts that manages collateral and issues fully secured credit. A primary example is a letter of credit (LOC), analogous to a paper bank cheque drawing verified funds, providing an economic guarantee of payment.

NashPoint is an onchain banking system building an OS for global credit.

Zeru is a 100% onchain credit infrastructure with integrated defi money markets. The borrowed capital can be deployed with up to 15x leverage into top defi strategies. With good behavior and reputation, the ability of the user to take a zero-collateral loan and leverage increases.

Haraka is a blockchain-based community credit protocol that leverages social reputation as a form of ‘collateral’ for underwriting. Haraka connects real-world asset investors in the tokenized private credit markets to entrepreneurs around the world who need capital to expand their businesses with loans in local stablecoins.

Antugrow is a platform that helps farmer cooperatives manage post-harvest record-keeping and create on-chain credit scores for smallholder farmers. It uses satellite data for crop mapping and operates on a software-as-a-service model for multiple farmer organizations. The platform aims to support farmers in accessing financial services through blockchain technology.

TrueFi is an uncollateralized lending protocol powered by on-chain credit scores, maximizing capital efficiency for borrowers and earning rates for lenders.

Union Finance is a credit protocol built on Ethereum, which enables people and organizations to take out loans on the blockchain without the need for collateral, a credit score, or disclosing personal information on a public ledger.

Teller is a decentralized, non-custodial liquidity pool where users can participate as liquidity providers by depositing assets, or as borrowers by connecting their bank accounts or staking Fortune Teller NFTs, to offer risk-assessed loans without the need for collateral.

SG Loans is a decentralized and unsecured lending market built on the Teller protocol and in partnership with Signum Capital. It empowers users to obtain personal unsecured loans without the need of a bank or traditional loan provider. SG Loans is the first unsecured DeFi lending platform for Singaporean consumers, unlocking opportunities previously exclusive to traditional finance.

Ormi Finance is a fractional-algorithmically undercollateralized liquidity market protocol. The fractional collateral ratio is algorithmically based on Web3 reputation and market conditions. To support this, Ormi Finance is creating a reputation oracle that aggregates and computes a Web3 identifier's reputation score by collecting information about the wallet address from various sources (e.g. on-chain transaction history, NFT and POAP ownership, ERC 20 tokens, etc.) and exposing them both as a REST API service and a Chainlink External Adapter for use by DApps.