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You can securely lend & borrow both crypto and fiat currencies with ease and stake your MELD tokens for APY.



MELD is a decentralized and trustless lending protocol using the Cardano Blockchain, including smart contracts, and governed by the MELD token. It provides a fast, safe, and transparent set of tools for anyone to lend and borrow crypto and fiat currencies.

MELD lends fiat currency provided by lenders to borrowers that collateralize cryptocurrency in a MELD smart contract. The lender receives a high interest rate from secured investments, whilst the borrower can maintain their crypto positions and see them grow, which has an average annual rate of 32% (BTC IS 196%) CAGR. MELD stakes the collateral in community-managed Vaults (LPs) generating yield, with 40% going to MELD stakers and 60% to various other functions such as products, treasury, development and operations.

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