Lending and borrowing marketplace for a DeFi fintech

The client is a US DeFi fintech offering on-chain credit to borrowers who would otherwise have to navigate several money markets themselves. Their promise is simple access to the best available terms without giving up custody of assets.

Delivering that promise meant hiding a great deal of protocol complexity behind one clean borrowing experience.

Borrowers faced a fragmented landscape of lending protocols, each with different rates, collateral rules and interfaces, and no single place to compare them. Getting funded meant manually shopping across venues.

That friction lost borrowers and left capital sitting idle where it could have been matched. The gap between demand and available liquidity was a commercial problem as much as a technical one.

The fintech needed one application that compared options across a network of liquidity sources and funded users fast, without ever taking custody. Simplicity on top and non-custodial underneath were both non-negotiable.

We built a borrower-facing marketplace that compares loan options across a network of liquidity sources and presents clear routes for lines of credit and term loans. Aggregating the market behind one application is what turns fragmentation into a single funded decision.

Under the hood we matched demand to non-custodial money markets, integrating Aave v3 so borrowers keep custody while accessing deep liquidity. Non-custodial routing was engineered in, not bolted on.

We fed collateral valuations and liquidation triggers through decentralised oracles, so positions stayed safe and liquidations fired cleanly under volatility. Sound risk mechanics are what let the marketplace scale to real volume.