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.

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.

Sovryn is a decentralized exchange and derivatives market. It is a permisionless and non-custodial platform for earning interest on Bitcoin and other Bitcoin based currencies. Sovryn is built on the Bitcoin sidechain RSK, and hopes to advance the decentralized finance space by leveraging the larger market cap and liquidity pool of the Bitcoin ecosystem. Traders can trade, borrow, and lend bitcoin, USDT and RSK’s dollar on chain (DOC) stablecoin.