Commerce · alternatives · 2026

24 alternatives to Bloom

Decentralized credit scoring powered by Ethereum and IPFS

Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes. Bloom launched in 2017; newer entries below may have overtaken it.

1. 1
   Bloom iOS▲83

   Take control of your credit and identity via blockchain

   2018 · its alternatives →

2. 2BA
   Bloom – A free and open source 'Google'▲747

   2019 · kerkour.fr · its alternatives →

3. 3
   Bloom▲386

   A free and open source Google

   2019 · kerkour.com · its alternatives →

4. 4
   SEED▲212

   Online Banking API for Business

   2015 · its alternatives →

5. 5
   Growfin▲151

   Finance CRM for streamlining receivables in B2B companies 💰

   2022 · growfin.ai · its alternatives →

6. 6
   Ray▲298

   I've been using this daily for 4 months and figured others might find it useful. This is my first open source project so would love any feedback. Ray connects to your bank via Plaid, stores everything in an encrypted local SQLite database, and lets you ask questions about your finances in natural language. No cloud, no account, your data is stored on your machine. Before anything reaches the LLM, all PII is stripped — your name, companies, transaction details are redacted and replaced with tokens, then rehydrated locally in the response. The AI never sees who you are.

   Apr 2026 · rayfinance.app · its alternatives →

7. 7
   Salt Lending▲120

   Blockchain-backed loans. Hold your assets, get your cash.

   2017 · saltlending.com · its alternatives →

8. 8
   Heron Data: Cashflow Scoring for SMBs▲111

   Predict business credit risk using bank data

   2023 · herondata.io · its alternatives →

9. 9
   blockbank▲100

   Unleashing financial power with AI & blockchain technology

   2023 · its alternatives →

10. 10
    Fragments▲123

    A platform for collective investments on-chain

    2022 · its alternatives →

11. 11
    Heron Data: Cassandra▲91

    Predict company events from bank data, starting with NSFs

    2023 · herondata.io · its alternatives →

12. 12
    Bloom▲99

    How freelancers build a cash cow

    2023 · bloom.io · its alternatives →

13. 13
    This is what social media could be▲123

    I made what I believe is a joyful slow social media. Would love to know what you think!

    2023 · bloom.tendtoyourgarden.xyz · its alternatives →

14. 14
    Prism protocol▲75

    Turn credit into tradable risk

    May 2026 · prismprotocol.dev · its alternatives →

15. 15
    Bloomio▲6

    Blockchain powered equity crowdfunding platform.

    2018 · bloomio.com · its alternatives →

16. 16
    LendingCrowd▲111

    Peer-to-peer lending in your pocket

    2015 · lendingcrowd.com · its alternatives →

17. 17
    Portion▲103

    Decentralized auction house built on Ethereum & IPFS

    2018 · portion.io · its alternatives →

18. 18BF
    Bloom Filter▲65

    2017 · sacert.github.io · its alternatives →

19. 19
    Balanced▲79

    DeFi designed for adoption. Borrow, swap, and supply assets.

    2021 · balanced.network · its alternatives →

20. 20
    Stronghold Platform APIs▲70

    A digital wallet in every pocket

    2018 · its alternatives →

21. 21
    IPFS▲84

    Peer-to-peer hypermedia protocol for Blockchain powered web

    2015 · about.ipfs.io · its alternatives →

22. 22
    OpenStake▲75

    Digitalized private investment meets decentralized liquidity

    2022 · openstake.co · its alternatives →

23. 23
    Courtyard.io▲74

    Tokenize, trade, and collect real world assets onchain

    2023 · courtyard.io · its alternatives →

24. 24
    ETHLend▲79

    Decentralized P2P marketplace to borrow against BTC, ETH

    2019 · aave.com · its alternatives →

Ranked by how close each launch is in meaning, then by votes. Prices were read from each product’s own site when checked and can change. Refine with your own description →