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.

CoinLoan's peer-to-peer lending network allows users to leverage their blockchain assets to secure loans, and get fast liquidity without having to sell their cryptocurrencies.