Commerce · alternatives · 2026

24 alternatives to Soma Lending

Decentralized finance, borrowing and lending platform

Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes. Soma Lending launched in 2020; newer entries below may have overtaken it.

1. 1
   Sovryn▲69

   Decentralized Bitcoin trading and lending platform

   2020 · sovryn.app · its alternatives →

2. 2
   ETHLend▲79

   Decentralized P2P marketplace to borrow against BTC, ETH

   2019 · aave.com · its alternatives →

3. 3
   Lendflow▲148

   Embedded lending infrastructure for SaaS platforms

   2020 · lendflow.com · its alternatives →

4. 4
   Nuo Lend▲71

   Lend and borrow crypto currencies transparently

   2018 · lend.getnuo.com · its alternatives →

5. 5
   SmartCredit▲82

   Earn interest or borrow crypto in 2 minutes

   2022 · smartcredit.io · 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. 7
   Bloom▲96

   Decentralized credit scoring powered by Ethereum and IPFS

   2017 · winna.com · its alternatives →

8. 8
   Lendbox▲83

   Cloud based loan management system for lenders

   2021 · lendbox.io · its alternatives →

9. 9SB
   Spread bitcoins by lending to friends▲67

   2013 · bitcoinswithfriends.com · its alternatives →

10. 10
    Bitbond▲73

    Bitcoin-based P2P lending

    2014 · bitbond.com · its alternatives →

11. 11CP
    Credy – Peer-to-Peer Lending Platform for India▲65

    2017 · credy.in · its alternatives →

12. 12
    Balanced▲79

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

    2021 · balanced.network · its alternatives →

13. 13
    notes.finance▲69

    The decentralised exchange for interest-earning stablecoins

    2021 · its alternatives →

14. 14
    Ondo▲61

    DeFi protocol for decentralized investment banking products

    2022 · ondo.finance · its alternatives →

15. 15
    CryptoMate▲75

    Global financial infrastructure for LatAm businesses

    Apr 2026 · cryptomate.me · its alternatives →

16. 16
    Settle▲71

    Intuitive OS for Decentralized Finance on Ethereum

    2018 · settle.finance · its alternatives →

17. 17
    blockbank▲100

    Unleashing financial power with AI & blockchain technology

    2023 · its alternatives →

18. 18
    Nuo▲25

    Spend, borrow and grow your cryptocurrencies

    2018 · getnuo.com · its alternatives →

19. 19
    Defi Lending Platform Development▲11

    DeFi Lending Solutions with Yield Optimization

    2025 · its alternatives →

20. 20
    Loanscan▲65

    The Ethereum loan explorer

    2019 · x.com · its alternatives →

21. 21
    OpenStake▲75

    Digitalized private investment meets decentralized liquidity

    2022 · openstake.co · its alternatives →

22. 22
    FiFit▲59

    Crypto-Backed Business Loans - Unleash Liquidity

    2021 · its alternatives →

23. 23
    Finmap▲59

    Cash flow management for modern businesses

    2022 · finmap.online · its alternatives →

24. 24
    Liquity Protocol▲81

    Interest-free liquidity at your fingertips

    2021 · liquity.org · 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 →