C.R.E.A.M is simply a decentralized (crypto) peer-to-peer lending and borrowing platform that anonymously connects lenders and borrowers.

Quality Check:

✅ Audited

✅ Semi-active community

✅ Active team

✅ DAO / voting.

Community Links:

👉 C.R.E.A.M website

👉 C.R.E.A.M Twitter

👉 CREAM token

👉 C.R.E.A.M Docs


Why Lend My Crypto? 🤔

  • Earn passive interest on autopilot.
  • Make your crypto holdings earn you money, instead of collecting dust.
  • Use your deposits as collateral to borrow against them, permissionless-ly.

Why Borrow Crypto? 🤔

  • Use your crypto holdings to leverage more buying power.
  • Your collateral earns interest while you borrow other crypto!
  • Lock-in low borrowing APR rates.

How Does It Work?

  • Each asset has 2 sides: borrowers and lenders.
  • Lenders deposit the asset into one big pool.
  • Borrowers can take loans from this pool.
  • Borrowers are OVER-collateralized, so they can't run off with money.
  • Interest rates on deposits are determined by borrow demand.
  • C.R.E.A.M connects lenders and borrowers, anonymously.

What Is The CREAM Token Used For?

  • Voting power in the C.R.E.A.M governance.
  • Holders can stake it in the staking module to earn high APY.


What Are The Risks Of Using Compound?

  • Bugs, exploits are always possible.
  • Liquidation of your collateral can happen if you take riskier loans and don't actively manage your loans.

Stand-Out Features?

  • Exhaustive list of cryptocurrencies available for borrowing / lending!
  • Staking rewards for locking up the CREAM token. (1 year - 4 year lockup)
  • ability to borrow / lend LP tokens. (Liquidity provider positions)