Commerce · alternatives · 2026

24 alternatives to Bonzo Finance

An open source, non-custodial lending protocol on Hedera

Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes. Bonzo Finance launched in 2024; newer entries below may have overtaken it.

1. 1AB
   A Browser-based Blockchain▲186

   2017 · nimiq.com · its alternatives →

2. 2
   Monzo▲117

   The bank of the future

   2016 · monzo.com · its alternatives →

3. 3
   Sequence▲502

   Supercharge your money with the world’s first money router

   2024 · getsequence.io · its alternatives →

4. 4IM
   I made an HN for the financial industry▲422

   2013 · boredbanker.com · its alternatives →

5. 5
   An open-source financial ledger API written in Clojure▲125

   Immutable, scalable, and easy to use ledger service. - hoophq/sequence

   2020 · github.com · its alternatives →

6. 6DP
   Dharma – Programmable Peer-To-Peer Loans Using Ethereum Smart Contracts▲156

   Hey HN! My name's Nadav Hollander, and I'm the Founder of Dharma. Dharma is building an open-source library that makes it really easy to programatically borrow and lend cryptocurrencies using smart contracts on the Ethereum blockchain. Today we're launching our Alpha Testnet release -- a command line tool that allows you to 1. Access a line of cryptocurrency credit from the command line in under 5 minutes 2. Easily build a bot that auto-invests in loans under hyper-customizable, programmable criteria Check it out: https://github.com/dharmaprotocol/dharma-cli Why I Think…

   2017 · its alternatives →

7. 7CD
   Collateralized Debt Agreements Using Smart Contracts and Virtual Cats▲97

   2018 · dharma.io · its alternatives →

8. 8
   Zumer Protocol▲64

   Permissionless NFT-backed lending platform

   2022 · its alternatives →

9. 9
   Prism protocol▲75

   Turn credit into tradable risk

   May 2026 · prismprotocol.dev · its alternatives →

10. 10
    Dharma▲162

    The easiest place to borrow and lend cryptocurrency

    2019 · dharma.io · its alternatives →

11. 11
    CryptoMate▲75

    Global financial infrastructure for LatAm businesses

    Apr 2026 · cryptomate.me · its alternatives →

12. 12
    Balanced▲79

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

    2021 · balanced.network · its alternatives →

13. 13AE
    Aragon – Everything you need to run your company on Ethereum▲191

    2017 · aragon.one · its alternatives →

14. 14
    Fulcrum▲73

    Maximize your gains with tokenized lending & margin trading.

    2020 · its alternatives →

15. 15
    AnonToken▲91

    Private cross-chain transfers

    2025 · anontoken.com · its alternatives →

16. 16
    Liquity Protocol▲81

    Interest-free liquidity at your fingertips

    2021 · liquity.org · its alternatives →

17. 17
    Salt Lending▲120

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

    2017 · saltlending.com · its alternatives →

18. 18
    Swapped Finance▲96

    Leading DEX on rapidly growing Shardeum ecosystem

    2023 · swapped.finance · its alternatives →

19. 19
    Nuo Lend▲71

    Lend and borrow crypto currencies transparently

    2018 · lend.getnuo.com · its alternatives →

20. 20
    OccamRazer▲71

    Cutting edge blockchain launchpad

    2021 · its alternatives →

21. 21
    Sovryn▲69

    Decentralized Bitcoin trading and lending platform

    2020 · sovryn.app · its alternatives →

22. 22
    Ondo▲61

    DeFi protocol for decentralized investment banking products

    2022 · ondo.finance · its alternatives →

23. 23
    notes.finance▲69

    The decentralised exchange for interest-earning stablecoins

    2021 · its alternatives →

24. 24
    BX Finance▲59

    A Complete No Code Web3 Ecosystem

    2023 · blockchainx.finance · 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 →