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.

ETHLend is developing a decentralized lending network powered by the LEND token. It connects lenders and borrowers in an Ethereum-based lending platform that is more transparent and has lower fees.