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.

Credium wants to create a blockchain protocol that will be a database for the credit industry. They hope to use blockchain technology to reduce inefficiencies and increase transparency, while eliminating intermediaries.
The loan servicing and credit industry is hugely important in the United States. However, the difficulties in accessing credit worthiness, and the speculative nature of the industry, lead to inefficiencies.
Credium is launching a utility token called CDM that will be used on its platform.