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.

Nexo is a crypto-backed lending platform that is powered by the NEXO token. It allows users to leverage their blockchain assets to secure cash loans, and get fast liquidity without having to sell them.