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.

Unchained Capital is a financial services company that offers crypto backed loans. Users can secure cash loans for a variety of personal and business purposes by placing their Bitcoin or Ethreum as collateral. These funds are held in their multi-signature cold-storage custody solution.