Commerce · alternatives · 2026

24 alternatives to Dharma

An open protocol for borrowing/lending cryptoassets

Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes. Dharma launched in 2018; newer entries below may have overtaken it.

1. 1
   Dharma▲162

   The easiest place to borrow and lend cryptocurrency

   2019 · dharma.io · its alternatives →

2. 2DP
   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 →

3. 3
   Kin, from Kik▲149

   A cryptocurrency for an open future

   2017 · its alternatives →

4. 4
   Cryptohawk 2.0▲77

   A hub for all crypto currency needs

   2017 · messenger.com · its alternatives →

5. 5CD
   Collateralized Debt Agreements Using Smart Contracts and Virtual Cats▲97

   2018 · dharma.io · its alternatives →

6. 6
   Bitbond▲73

   Bitcoin-based P2P lending

   2014 · bitbond.com · its alternatives →

7. 7
   Stellar▲143

   Decentralized protocol for real-world currencies

   2014 · stellar.org · its alternatives →

8. 8
   ZeroNet▲119

   Decentralized websites using Bitcoin cryptography

   2015 · zeronet.io · its alternatives →

9. 9
   Bitbounce-Credo▲88

   A cryptocurrency spam solution

   2017 · its alternatives →

10. 10
    Mirror▲81

    An Escrow Exchange for Bitcoin Trading

    2014 · mirrorx.jimdosite.com · its alternatives →

11. 11
    SFOX▲104

    Algorithmic bitcoin trading: Safe & Smart

    2014 · sfox.com · its alternatives →

12. 12AB
    Aysha – Blockchain and cryptocurrencies made simple▲8

    2018 · aysha.io · its alternatives →

13. 13
    CryptoTrakr▲77

    Cryptocurrencies tracker and manager

    2017 · cryptotrakr.com · its alternatives →

14. 14
    The Business Blockchain▲91

    Promise, Practice, and Application of the Next Internet Tech

    2016 · amazon.com · its alternatives →

15. 15
    Peatio▲6

    An open-source crypto currency exchange

    2017 · its alternatives →

16. 16
    Secure end-to-end client sessions and API calls using crypto key pairs▲9

    Hello. I made this project as an experiment in using key cryptography for user identity in a client server model, and for some future peer to peer projects that I am working on. I am looking for feedback, please let me know what you think. Also, Merry Christmas to HN! :-)

    2022 · github.com · its alternatives →

17. 17
    Coinbin.org▲18

    A Human–Friendly API Service for Crypto Currency Information

    2017 · coinbin.org · its alternatives →

18. 18WI
    WeTrust.io – Trusted Lending Circles, Decentralized with Blockchain▲7

    2017 · rosca.wetrust.io · its alternatives →

19. 19
    ICO Bazaar▲12

    Easily discover & get cryptotokens

    2017 · icobazaar.com · its alternatives →

20. 20
    CryptoCubic Protocol▲7

    Off-Chain bitcoin transactions w/o fear of theft

    2014 · bincoin.com · its alternatives →

21. 21CA
    Cheshire: a CryptoKitties developer sandbox▲7

    2018 · medium.com · its alternatives →

22. 22
    WeTrust▲10

    Trusted Lending Circles, Decentralized With the Blockchain

    2017 · its alternatives →

23. 23NA
    Nimiq: A Frictionless Payment Protocol Native to the Web▲8

    2017 · medium.com · its alternatives →

24. 24
    Crypto 101▲13

    An introductory course on cryptography for programmers

    2014 · crypto101.io · 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 →