Best Crypto Lending (DeFi) Platforms in China - Page 2
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Compare the Top Crypto Lending (DeFi) Platforms in China as of March 2026 - Page 2
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Vauld
Vauld
Vauld aims to provide its users with a customer-centric banking solution leveraging blockchain. We intend to treat your cryptocurrencies as a separate asset class and offer services that ensure technologies based on the blockchain are usable as of today. Our asset-backed lending and borrowing platform currently support Bitcoin, Ethereum, XRP, BAT, XLM, USDT, USDC, BUSD, TUSD, and DAI. Earn the industry’s highest interest rates on major cryptocurrencies. Interest is calculated daily, and paid out weekly on all your tokens. Withdraw any amount at any time while you earn interest. Opt-in to fixed deposits to earn higher interest rates. Opt-out with zero penalties. Interest earned is compounded every week or at the end of the fixed deposit term. Take a low interest loan against your existing crypto assets. Trade on a deep order book with all our supported tokens. Buy and Sell Crypto With INR At The Best Rates In The Market. -
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Fringe Finance
Fringe Finance
The Fringe Finance platform was created to incubate and deploy experimental, high-yield, smart-contract driven, financial instruments that push the bounds of open finance. Fringe Finance is an algorithmic model that aims to unlock, aggregate and de-risk ~50 billion in dormant value distributed amongst untapped digital assets. Stake your FRIN tokens in the Staking Pool and earn rewards from the fees collected by the Fringe ecosystem. Deposit whitelisted stablecoins to earn interest and rewards, Stake your FRIN and USB tokens to earn interest and rewards. -
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Nebeus
Nebeus
Nebeus is The Financial App for Crypto Hodlers and offers a whole cryptocurrency ecosystem connected with a banking framework. On one side, Nebeus Money Accounts function just like a bank providing users with dedicated IBANs and Sort Code Accounts, while on the other, Nebeus Crypto Account enables users to have a digital wallet and exchange, earn rewards on cryptocurrency through staking and renting, borrow cryptocurrency, and store their digital assets in a free cold wallet custodied by BitGo and insured by Lloyds of London. With Nebeus Debit Card, users can pay directly from their Nebeus account and truly bridge crypto and cash.Starting Price: Free -
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Plasma.Finance
Plasma.Finance
Plasma.Finance is your home for decentralized finance. Invest, Store, and Manage any DeFi token with ease. We aggregate all DeFi assets, liquidity pools and saving deposits in one dashboard. Easily choose and compare the best options You can choose any of of the 100+ available liquidity pools cross-chain (Ethereum, Binance, Plasma). Looking for the perfect digital currency wallet? We worked hard for you to create the most secure and user-friendly app — PlasmaPay. It's not just a Wallet, it's the full Payment and Investment platform. Buy Bitcoin, Ethereum and other cryptocurrencies with credit or debit card directly from your wallet. We have been thinking about your needs and made a simple and safe wallet where you can store, buy, exchange and transfer cryptocurrencies. Turn your digital money into fiat money in a second and withdraw it to your credit card or bank account. Make your money transfer in a second through the PlasmaDLT blockchain in any country. We support 35 stable coins.Starting Price: 0 -
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Bisq
Bisq
Buy and sell bitcoin for fiat (or other cryptocurrencies) privately and securely using Bisq's peer-to-peer network and open-source desktop software. No registration required. Get started in minutes. No need to wait for approval from a central authority. Trading takes place on a global P2P network of users running Bisq on their own machines. Bisq never holds your funds. Deposits held in 2-of-2 multisig wallets encourage safe, successful trades. Your data is stored locally on-disk, and is never sent to a central server. Every Bisq node is a Tor hidden service by default. Code is open-source, and project strategy is discussed openly on Keybase and GitHub. We've made all this sophistication simple—make your first trade in under 10 minutes! Decentralized governance for a decentralized exchange, built on top of Bitcoin. Bisq is private by default, secure by design, and free as in freedom. -
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POKKET
POKKET
POKKET is run by world-class professionals in finance, software, and web development, and we founded POKKET because we believe digital assets are the future. With over 100 years of combined experience, you can rest easy knowing experienced experts are handling your investments. These experts know how to earn Bitcoin and they understand how to properly invest cryptocurrency to maximize your returns. Our mission is to contribute to the development of the industry through new and innovative products. Calculate how much you can earn with our crypto-saving products. No need to worry about the constant changes in cryptocurrency prices. With the POKKET Straight Lending product, you can earn interest on your own terms with your favorite assets like BTC, ETH, BNB, SOL, AVAX, USDT and USDC. Choose whether to gain interest on your assets over a fixed 14, 30, 90-day term or fully flexible basis.Starting Price: Free -
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Cobo DeFi
Cobo
The Cobo DeFi (Cobo DYF) Fund is a simple and secure way to gain diversified exposure to one of the fastest-growing segments of the crypto ecosystem. The Fund seeks to track the most promising decentralized finance (“DeFi”) crypto assets, a portfolio of protocol tokens that aspire to fundamentally disrupt large parts of the legacy financial ecosystem. Though liquidity mining, we are able to achieve stable returns without the headwinds. Assets are screened and monitored for certain risks, weighted by market capitalization, and rebalanced monthly. Assets are held with our world-class secure, compliant and audited custody.Starting Price: $0 -
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Plena Finance
Plena Finance
The world’s first most advanced holistic, and interoperable mobile application for you to start leveraging the full potential of Web3. Plena is a mobile-first DeFi application that brings the most exciting DeFi opportunities. We leverage the unprecedented scalability of the Polygon network. Plena Finance is built on an architecture that scales and adopts. With the wealth of DeFi in your hands, we have ensured that your experience is lighting fast and efficient. Plena Finance as a mobile protocol is built with a multi-chain infrastructure. The DeFi mobile application is designed to be able to interact with the larger DeFi ecosystem to bring rewarding opportunities to our users. High gas cost is one of the most haunting factors for average users. We are changing that predicament once and for all. Enjoy your rewards even more with gas-free transactions on Plena Finance!Starting Price: Free -
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Kassio
Kassio
Start earning passive income simply by storing your assets in the safe & secure Kassio wallet. Secured by BitGo's multi-signature security, our multi-coin transactional wallet offers institutional-grade security and all the convenience you need for your digital assets in one place. The biggest problem with crypto has always been its ease of use. Now, you can instantly spend your crypto anywhere Visa/ Rupay is accepted with the free and convenient Kassio card. Simply add your new digital Kassio card to your Google or Apple pay account and start earning money back from your everyday purchases. Kassio Trade lets you buy, sell, or swap between 50+ market pairs in our app. Our hassle-free trading experience enables real-time settlement with no price fluctuations. Apart from the industry-standard maker and taker charges, we add no additional or hidden fees per transaction.Starting Price: Free -
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Arkadiko
Arkadiko
Get rewarded to borrow, no need for monthly payments. We build state-of-the-art open-source apps to access the Arkadiko protocol. Collateralize your STX tokens and mint our stablecoin USDA, which you can use for yield farming. Swap your favorite tokens on the Arkadiko decentralized exchange, all on top of the Stacks blockchain. Stake your DIKO tokens to get rewarded. You will receive stDIKO that can be used in governance voting. Vote on proposals. All protocol changes will run through a governance vote, e.g. to change risk parameters on Arkadiko collateral types. Arkadiko is a decentralized and transparent DAO. We believe in building in the open, all our code is licensed with GPLv3. Contribute to the future of finance on Stacks and Bitcoin. Gain increased liquidity in the form of a soft-pegged US Dollar stablecoin while maintaining original asset exposure. Your STX tokens generate a yield, which pays back the USDA loan automatically over time.Starting Price: Free -
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APX Lending
APX Lending
APX Lending provides secure crypto-backed loans that allow clients to borrow against their Bitcoin or Ethereum without selling their assets. Clients can access CAD or USDC loans with competitive interest rates, loan-to-value ratios up to 60 percent, and flexible terms from 3 to 60 months. Collateral is held with BitGo in insured, segregated cold-storage wallets and remains fully visible to borrowers on-chain. APX operates with CSA exemptive relief in Canada and maintains FINTRAC and FinCEN registrations. The platform uses real-time LTV monitoring, supports personal and business loans, and offers a simple cost structure with no origination or management fees. Most loans are funded within 24 hours of collateral being received.Starting Price: 10,000 CAD -
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Debifi
Debifi
Debifi is a non‑custodial, Bitcoin‑backed lending platform that lets borrowers tap into institutional‑grade liquidity without relinquishing control of their coins. Built by Bitcoiners, it uses a strict three‑of‑four multisignature escrow system, keys are generated on a separate device, never held by Debifi, and distributed among borrower, lender, and trusted third‑party signers, to ensure maximum transparency and eliminate collateral rehypothecation. Users connect through a lightweight app to create dedicated escrow addresses on Bitcoin’s blockchain, initiate loan contracts, and manage repayments directly with lenders. Debifi aggregates global liquidity providers to offer flexible loan terms from short‑term funding to five‑year stablecoin or fiat loans, with customizable loan‑to‑value ratios and competitive, risk‑adjusted interest rates. Institutional lenders benefit from over‑collateralization, a tiered margin‑call system, and automatic liquidations.Starting Price: Free -
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Teller
Teller
Teller is a decentralized lending protocol that offers time-based, no-margin-call loans using any Ethereum asset or ERC-20/NFT as collateral, enabling borrowers to access liquidity for 1–30 days without being liquidated due to price fluctuations so long as they repay on time; collateral is placed in isolated escrow vaults and loans can be refinanced or extended based on prevailing offers. Lenders create custom loan terms and keep supplied funds in their own wallets, allowing them to make unlimited offers with the same capital while retaining control, and if a borrower defaults, liquidity providers have first refusal to liquidate and seize collateral. The system emphasizes safety and transparency with audited smart contracts (insured by Sherlock up to defined limits), and it supports isolated pools and perpetual-style structures to give users credit-like access to DeFi capital.Starting Price: Free -
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Lava
Lava
Lava enables users to borrow U.S. dollars using their Bitcoin holdings as collateral without needing credit checks, heavy documentation, or selling their crypto. Users can access loans starting from as little as $100 and up to $1 billion, with fixed low interest rates beginning at around 5%. The platform offers instant funding, supports global bank-off-ramps, and promises that your Bitcoin assets remain in your control, no rehypothecation, no trading out your coins. Built on institutional-grade infrastructure used to secure over $100 billion in assets, Lava emphasises self-custody, strong security controls (multi-party approvals, biometric protection, whitelisted addresses, inheritance support), and encrypted user privacy. It also provides additional services such as zero-fee Bitcoin purchases, a stablecoin (LavaUSD) backed 1:1 with USD-denominated reserves at regulated financial institutions, and a rewards card offering up to 5% BTC back on purchases.Starting Price: Free -
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Fulcrum
Fulcrum
Fulcrum is a powerful DeFi platform for tokenized lending and margin trading. Fulcrum is a decentralized margin trading platform. There is no need for any verification, KYC or AML. Whether lending or trading, maintain control of your own keys and assets with our non-custodial solution. iTokens (margin loans) earn holders interest on borrowed funds and pTokens (tokenized margin positions) allow your margin positions to be composable. Positions that become undercollateralized are only liquidated enough to bring margin maintenance from 15% to 25%. Enjoy a frictionless trading experience with positions that automatically renew and zero rollover fees. The bZx base protocol has been successfully audited by leading blockchain security auditor ZK Labs. Chainlink’s decentralized oracle network is used for price information. If undercollateralized loans are not properly liquidated, lenders are repaid from a pool funded by 10% of the interest paid by borrowers.Starting Price: 0.15% trading fee -
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Inlock
Income Locker
Inlock is a blockchain and smart contract based lending platform to enable crypto-assets to be used as a collateral. Inlock is founded by a technology and Fintech oriented team. Our goal to build up solutions for various use-cases between traditional and crypto-asset based financial world. INLOCK is a totally independent FinTech service provider, without any connections to big-banks or credit companies. INLOCK represent the new wave of future’s financial services. Get cryptocurrency backed instant loan or earn interest with large-scale bonuses. Looking for steady returns despite the uncertain market situation? INLOCK is a USDC stablecoin based lending platform, where you can also earn interest (high yield) on your Bitcoin, Ethereum, Litecoin or other coins! You can lend your crypto with as high as even 8% annual interest, with weekly payment and compound interest. Using your Bitcoin, Ethereum, Litecoin or other coins as collateral, you can get a stablecoin loan quickly. -
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VELIC
VELIC
VELIC Platform provides a comprehensive solution for crypto-assets that delivers highest quality crypto-related services under a single integrated-user-account. Our services are built upon an innovative secure storage infrastructure which simultaneously offers security and accessibility - traits which are typically mutually exclusive. With a heavy focus on security, VELIC aims to transform the crypto-finance experience for everyone. Experience a wide range of crypto investment services with VELIC, a user friendly crypto finance platform. VELIC stands for Vault, Exchange, Loan and Investment for Crypto-asset services. Interface designed to allow users to trade and invest easily and efficiently. Thanks to the trading system designed by finance industry and blockchain experts, VELIC mobile application delivers fast and secure trading experience. VELIC’s unique token offering platform is available on mobile, 24/7. -
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TOKPIE
TOKPIE
First Cryptocurrency Exchange Platform with BOUNTY STAKES TRADING service. Earn, trade, and invest as never before. TOKPIE is the only one cryptocurrency exchange in the world that provides Bounty Stakes Trading solution allowing its users to earn, trade and invest as never before. Bounty Stakes Trading is the revolution in bounty common practice and a win-win-win solution for bounty hunters, smart investors, and crypto startups (ICO, STO, post token sale projects). It simultaneously allows bounty hunters get both ‘cash’ immediately after performing any kind of bounty tasks and related project's tokens later, investors get the highest ROI (Return on Investments) by obtaining promising tokens with a huge discount, startups boost their bounty campaigns and token/coin sales by allowing participants to trade earned stakes on the Tokpie platform. Get 'cash' (Ethereum, USDC, etc) by selling part of bounty stakes immediately as soon as they earned. -
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Bancor
Bancor
Bancor is a protocol for the creation of Smart Tokens, a new standard for cryptocurrencies convertible directly through their smart contracts. Bancor is an on-chain liquidity protocol that enables automated, decentralized exchange on Ethereum & across blockchains. The Bancor Protocol is a fully on-chain liquidity protocol that can be implemented on any smart contract-enabled blockchain. The Bancor Protocol is an open-source standard for liquidity pools, which in turn provide an endpoint for automated market-making (buying / selling tokens) against a smart contract. Bancor Network currently operates on the Ethereum and EOS blockchains, but the protocol is designed to be interoperable for additional blockchains. Our implementation can be easily integrated into any application enabling value exchanges. Our implementation is open source and permissionless, and ecosystem participants are encouraged to contribute to and enhance the Bancor Protocol. -
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mStable
mStable
mStable is an open and decentralized protocol that unites stablecoins, lending and swapping into one standard. Autonomous and non-custodial stablecoin infrastructure. mStable combines lending income with trading fees to produce higher yielding assets. Smart contract security is mStable’s first priority. The mStable protocol was fully audited by Consensys Diligence and no critical bugs were found. mStable is governed by MTA holders who have staked their tokens to vote on proposals. mStable's governance goes through a process where consensus is reached in progressively concrete stages. Proposals and ideas are surfaced on the Discord or public forum, and are finalized by on-chain signalling by MTA holders. mStable is a collection of autonomous, descentralice, and non-custodial smart contracts. It is built on Ethereum. mStable assets (hereafter mAssets) represent some underlying value peg and are minted/redeemed on-chain via smart contracts. -
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Matrixport
Matrixport
Matrixport offers crypto financial products made simple and accessible. Earning interest should be easy. Up to 30% annualized interest rates; multi-currency and multiple tenors available. Up to 6% APY, withdraw at your convenience, and hourly compounding. At present, the funds are mainly invested in Matrixport's self-operated Collateralized Loans, Zero-interest Loans, Spot Leverage Product, and Credit Funding, among others. The security measures are different according to the various asset classes. Matrixport also offers spot trading with zero commission. Borrow USDT or USDC to buy crypto, express bullish view on BTC/ETH/BCH/LTC price outlook. Borrow BTC, ETH, or BCH to sell, express bearish on BTC/ETH/BCH/LTC price outlook. Loans: Instant approval, borrow whenever you need, and start spending right away. Lower your financing costs with our competitive interest rates. Price index referenced from mainstream exchanges and reliable platforms, fair and transparent. -
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Coin98
Coin98 Finance
Coin98 Wallet is the #1 non-custodial, multi-chain wallet and DeFi gateway, designed to seamlessly connect users to the crypto world in a safe and secure manner. Coin98 Wallet also offers various advanced features that bring users “to the moon” experience, including: Multi-chain wallet management: Manage multiple digital assets simultaneously, easily and conveniently, Unique “always-connected” experience: Access numerous Defi services across various blockchains seamlessly and concurrently. Optimized transaction fee and processing speed: Adjust your own transaction fee with gas bar. -
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Liquity
Liquity
Liquity is a decentralized borrowing protocol that allows you to draw 0% interest loans against Ether used as collateral. Loans are paid out in LUSD - a USD pegged stablecoin, and need to maintain a minimum collateral ratio of only 110%. In addition to the collateral, the loans are secured by a Stability Pool containing LUSD and by fellow borrowers collectively acting as guarantors of last resort. Learn more about these mechanisms under Liquidations. Liquity as a protocol is non-custodial, immutable and governance-free. Core to the ethos of Liquity, its product layer is just as decentralized as its smart contracts. All frontends are run by third party operators, who are incentivized to do so via LQTY rewards. Liquity was deployed as a complete system, set to run autonomously without human intervention. No one can change or upgrade the contracts and no one has special access.Starting Price: 0.5% Fee -
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Snowball Money
Snowball Money
Gain access to high-yield stablecoin vaults and generate interest in real-time via DeFi. Take control of your assets with full access at all times! Offering the highest yield dynamically. We do all the heavy lifting. Snowball provides easy access to interest-generating via yield farming in DeFi. Buy Bitcoin, Ethereum or digital dollars. Swap for 1000+ tokens. Earn 50-100x more interest than your bank. The only app you need to access high yield optimization and real-time interest. Snowball is committed to decentralization and will be available in non-OFAC nations. Decentralized Finance (DeFi) provides global access to high-yield investments and generates USD- denominated digital asset accounts that pay in real-time. The Snowball Money dApp (Decentralized Application) puts you in control no matter where you are in the world. Your Snowball account is always on and always earning high-interest on your digital dollars. -
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Lockr
Lockr Finance
Lockr is a platform to borrow against Bitcoin and Ether without spending it. Our best-in-class LTV ratio creates an easy way to use premium crypto assets efficiently. The Lockr crypto-backed loans are instant and guaranteed, you will receive your funds within a few minutes. The interest is to be accrued on a daily basis as per the funds borrowed enabling you to have liberty with your crypto. There is no lock-in for deposits. One can withdraw the funds at any time without having to pay any fees. Lockr works with an institutional grade custodian and all of Lockr’s data exchange happens through SSL and uses TLS 1.2. Apart from this, sensitive data is securely stored with AES-256 encryption. -
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AQRU
AQRU
Access cryptocurrency investment pools and products from the cryptoverse, all in one place. Invest, earn yield, and exchange crypto with ease and confidence. Crypto investing crafted and curated by us, for you – accessible, secure and transparent. We take security very seriously to ensure that you have the tools to buy, hold and earn interest on your crypto as safely as possible. The AQRU platform uses encryption in transit, encryption at rest and addresses whitelisting to ensure that your money is safe whilst you invest and earn. We’ve partnered with leading wallet infrastructure provider Fireblocks. Their battle-tested platform combines the latest breakthroughs in Multi-Sig technology to keep your assets safe. We use a multi-layered insurance policy to protect the total value of your assets against hacking.Starting Price: 0.35% commission -
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AshSwap
AshSwap
AshSwap is a decentralized exchange following a stable swap model to bring more liquidity and enhanced yield dynamics to MultiversX blockchain. Stake ASH to receive veASH & Receive transaction fee from any actions in ASHSWAP. Boost your yield up to 2.5 times by staking some specific tokens. Enhance liquidity in ASHSWAP by depositing your assets in any pair to earn transaction fees! Stake LP-Token to earn ASH token every day! Less slippage, fasten swap process, friendly UX. Integration with DeFi protocols such as liquid staking or yield optimization. Robust and decentralized financial infrastructure is inevitably needed for an ecosystem of decentralized applications to thrive. AshSwap aims to become a financial layer powering development on MultiversX Network. The current AshSwap version features AMM liquidity pools powered by Stable-swap and Concentrated Liquidity algorithms. The next version will transform AshSwap into a powerful exchange providing various trading products. -
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Bitfinex
Bitfinex
In addition to a suite of advanced trading features and charting tools, Bitfinex provides access to peer-to-peer financing, an OTC market and margin trading for a wide selection of digital assets. Bitfinex’s strategy focuses on providing unparalleled support, tools, and innovation for professional traders and liquidity providers around the world. Bitfinex offers a suite of order types to give traders the tools they need for every scenario. Discover more about our most advanced Algorithmic orders types. Security of user information and funds is our first priority. Learn more about our security features and integrations. Bitfinex allows up to 10x leverage trading by providing traders with access to the peer-to-peer funding market. -
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Liquid
Quoine
Join the world’s most comprehensive and secure trading platform. Buy and sell Bitcoin, Ethereum, XRP and many other cryptocurrencies with fiat or crypto. Need help? We are ready around the corner to solve your problem. Join the discussion with one of our global communities. Level up your blockchain and cryptocurrency knowledge and stay up to date with latest updates from Liquid. Advice and answers from the Liquid Team. Buy, Sell and Trade crypto on the go. Access your assets, make trades and build your financial future. Trade our spot and margin markets with advanced funding options, lightning fast execution and deep liquidity. Manage your positions easily with our intuitive API, trading platform and advanced order options. Trade Bitcoin CFDs with up to 100x leverage. Our advanced proprietary multi-market order technology enhances liquidity, tightening spreads and reducing slippage. Liquid is a user-friendly platform built for everyone, from beginner to pro. -
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Ethereum
Ethereum Foundation
Ethereum is the community-run technology powering the cryptocurrency, ether (ETH) and thousands of decentralized applications. Ethereum is a technology that's home to digital money, global payments, and applications. The community has built a booming digital economy, bold new ways for creators to earn online, and so much more. It's open to everyone, wherever you are in the world – all you need is the internet. Today, billions of people can’t open bank accounts, others have their payments blocked. Ethereum's decentralized finance (DeFi) system never sleeps or discriminates. With just an internet connection, you can send, receive, borrow, earn interest, and even stream funds anywhere in the world. Today, we gain access to 'free' internet services by giving up control of our personal data. Ethereum services are open by default – you just need a wallet. Stake your ETH to become an Ethereum validator.
