HERO is developing a blockchain-based lending marketplace that will connect borrowers and lenders. The network will be powered by the Ethereum based HERO token. The project was originally focused on using blockchain to promote financial inclusion in Southeast Asia.

Celsius Network is developing an Ethereum-based lending platform. They aim to replace banks as centralized loan providers, and to allow cryptocurrency holders to earn returns by lending. Through the Celsius Wallet, users will be able to lend and borrow coins at significantly reduced rates compared to traditional financial institutions. The Celsius App is available on iOS and Android, and enables users to send funds with no fees.