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.

Karma is developing a decentralized P2P lending network, powered by the KRM token. It connects lenders and borrowers in a blockchain-based lending platform that is more transparent and has lower fees. Karma allows users to act in a variety of roles within their lending ecosystem, and loans can be tailored in a variety of ways.