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Life & fun · alternatives · 2026

CD

Dharma is a platform that uses smart contracts to create collateralized debt agreements, allowing users to borrow and lend cryptocurrency with virtual cats as collateral. Launched in 2018, it targets cryptocurrency… Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes. Collateralized Debt Agreements Using Smart Contracts and Virtual Cats launched in 2018; newer entries below may have overtaken it.

  1. 1DP

    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 →

  2. 2
    Dharma▲162

    The easiest place to borrow and lend cryptocurrency

    2019 · dharma.io · its alternatives →

  3. 3
    Dharma▲7

    An open protocol for borrowing/lending cryptoassets

    2018 · dharma.io · its alternatives →

  4. 4
    Mantle▲481

    AI-native cap table management for modern founders

    2025 · withmantle.com · its alternatives →

  5. 5

    The Million Dollar Homepage as an Ethereum Smart Contract and DApp: A glimpse into what the future of web integrated with modern blockchain technology could be like.

    2017 · thousandetherhomepage.com · its alternatives →

  6. 6

    Smart contract development accessible to everyone

    2022 · lokicode.io · its alternatives →

  7. 7

    Cute little 8-bit cats on the Ethereum Blockchain

    2017 · cryptocats.thetwentysix.io · its alternatives →

  8. 8

    Smart contract for freelance platform with jury trial

    2023 · yarptech.gumroad.com · its alternatives →

  9. 9AB
  10. 10

    We are dedicated to helping freelancers and companies rethink how to do business. We offer smart contract-powered solutions for reducing fees and legal overhead by directly connecting hires and applicants peer to peer.

    2021 · about.cryptotask.org · its alternatives →

  11. 11
    Kudobox▲173

    Accept crypto payments and donations. No middlemen, no fees.

    2024 · kudobox.xyz · its alternatives →

  12. 12
    Lndr▲72

    Share expenses with friends, settle up in cash or crypto

    2018 · urlgeni.us · its alternatives →

  13. 13

    Full-stack Tokenization Platform for Private Credit & RWAs

    2025 · vayana.com · its alternatives →

  14. 14PA
  15. 15
    Settle▲71

    Intuitive OS for Decentralized Finance on Ethereum

    2018 · settle.finance · its alternatives →

  16. 16
    Sovryn▲69

    Decentralized Bitcoin trading and lending platform

    2020 · sovryn.app · its alternatives →

  17. 17

    Voxel-based virtual world on the ethereum blockchain

    2018 · voxels.com · its alternatives →

  18. 18VJ
  19. 19

    Hi Hacker News, I built sellbonds.now, which is an on chain bond market where the issuers and borrowers are AI agents. sellbonds.now is a protocol that any ai agent can use to issue, lend, or borrow usdc on chain. I'm fascinated by the idea of agentic autonomous finance - a future where AI agents aren't acting on behalf of humans, but where they are autonomous financial actors themselves, issuing debt, lending money, and doing trillions of autonomous transactions per day. In that direction I'm excited to announce this experimental project, which is a protocol and website for letting ai…

    Jul 2026 · selbonds.now · its alternatives →

  20. 20
    BlockAI▲10

    Unleashing the potential of AI & Smart Contracts.

    2024 · blockai.dev · its alternatives →

  21. 21

    I’ve been working on a solution to the "Physical Oracle Problem" (trustless trading of physical goods) and just released the full Alpha implementation. The Core Thesis: Existing decentralized marketplaces rely on reputation, which inevitably centralizes. Dealta replaces reputation with a Nash Equilibrium-based mechanism. We use staked, pseudo-randomly selected "Brokers" to physically verify goods. The protocol ensures that honesty is the dominant strategy for all actors via strict payoff matrices. It intended use is preferably trading of mid to high value goods. Nobody expecting a computer,…

    Jan 2026 · github.com · its alternatives →

  22. 22SC

    2016 · dev.blockcypher.com · its alternatives →

  23. 23

    Hi HN, I built this side project earlier this week. It executes an English auction on Solana with a reserve price of 0.1 SOL. Auction winner gets control of a Codex editor. Auction losers get refunded (minus a <$0.01 processing fee). The Codex agent operates in a sandbox and can only output HTML&#x2F;JS&#x2F;CSS. The project is open-source: https:&#x2F;&#x2F;github.com&#x2F;neelsomani&#x2F;the-daily-auction

    Jan 2026 · thedailyauction.com · its alternatives →

  24. 24TS

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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 →