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.

YouHodler is a crypto-backed lending platform that is based in Cyprus and has bank accounts in Switzerland. It allows users to leverage their cryptocurrency assets to secure cash loans, and get fast liquidity without having to sell them.