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DEFI Lending Platform Development

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We develop and deliver blockchain-driven borrowing and DEFI Lending Platform Development that effectively fill the gap lagging in traditional banking.

DEFI Lending Platform Development

DeFI Lending and Borrowing Platform Development Services

Lending Software Solutions Using DeFi Protocol

We develop and deliver blockchain-driven borrowing and lending platforms that effectively fill the gap lagging in traditional banking.

Business-Oriented DeFi Lending Platform Development Services

In 2020, the DeFi industry gained traction, and by April 2021, the total value locked in the DeFi market had surpassed USD 61 billion.
One of the biggest drivers to this exceptional value is DeFi lending and borrowing.

DeFi lending and borrowing software is being launched by start-ups and corporations all over the world in order to tap into the billion-dollar DeFi market.

O G S S Technologies can help you manage the next wave of DeFi lending, whether you’re a startup or a well-established corporation.

We create a coherent roadmap to develop DeFi lending platform fortified with market-leading features. Our expertise in blockchain, finance, and IT management uniquely equips us successfully deliver high-performance lending platforms in line with your business needs.

Connect with our subject matter experts to accelerate your DeFi lending platform development journey.

Features of our DeFi Lending and Borrowing Software

We develop DeFi lending software reinforced with the following features

DeFi Wallet

The secure DeFi wallet integration into the platform enables both borrowers and lenders to deposit their crypto assets for borrowing and lending respectively. The wallet supports a spectrum of tokens and stable coins.

Smart Contract

The smart contract contributes to complete decentralization of the platform. It serves as an automated digital intermediary, controlling the flow of funds, transactions, and calculations performed on the platform.

Institutional-grade Security

The platform is fortified with market-leading security features to ensure high-grade security of borrowers’ and lenders’ funds.

Liquidity Pool

The liquidity pool entails the funds deposited by lenders. It ensures that the platform has sufficient funds available to be borrowed.

User Dashboard

The intuitive user dashboard is underpinned with self-explanatory and smooth controls for efficient account management for both borrowers and lenders.

Risk Management

The meticulously crafted risk management system safeguards lenders from any loss in case the value of an account’s borrowing outstanding exceeds 100% of the borrowing capacity due to the volatile moments of the underlying collateral asset or the borrowed asset.

Use our technological know-how and skills to launch your DeFi lending platform.

Decentralized finance (DeFi) is a phrase that refers to a financial ecosystem that is transparent, permissionless, and open-source. DeFi Lending is the process of offering and borrowing cryptocurrency assets as a loan on a permissionless decentralised medium that uses decentralised smart contracts to automate all crypto lending transactions with no middleman.

DeFi P2P Loan platforms are platforms that provide these types of lending services, and there are more popular decentralised applications (Dapps) accessible in the crypto market that give DeFi P2P lending choices.

How Does DeFi Lending and Borrowing Works?

The working of the DeFi Lending platform is similar to the traditional bank’s protocols

Working of DeFi Lending

Users must first deposit their assets, and when someone borrows those digital assets, they earn interest.
In DeFi lending, however, the intermediary is replaced by a smart contract, which specifies the loan terms.
When a self-executing smart contract is deployed on a blockchain network, its operations cannot be stopped unless both parties agree to the terms.
Lenders gain significant profits since DeFi is based on blockchain, which is transparent and unchangeable, and dangers can be clearly identified.
This DeFi lending platform’s interoperability and standards can help to reduce the entire system’s cost.

Working of DeFi Borrowing

As like lending, DeFi borrowing works as the following:

Borrowers can get fiat loans from lenders using their crypto assets as security if they don’t pay back the loan.
When both the lender and the borrower agree on a rate of interest, crypto loans are exchanged. Crypto loans are deposited to the borrower’s account in the same way that traditional loans or borrows are, and borrowers pay interest to the lender. Once the entire amount is paid back, the lender returns the collateral that served as security.
Without the involvement of third parties, this borrowing procedure takes place in DeFi lending platforms.

It also allows borrowers to earn crypto assets by using cash as collateral.

Why Should You Use DeFi Lending and Borrowing Instead of Traditional Lending and Borrowing?

Here let us look at the main advantages of choosing DeFi Lending over the traditional lending.

As we all know, DeFi Crypto lending inherits blockchain technology,it offers high end transparency and immutability.

Quick Access

Quick Access

With no involvement of central authority, the assets can be lent and borrowed directly and thus DeFi P2P Lending platforms offer its users greater access to assets over time.

Price Efficiency and Immutability

Price Efficiency and Immutability

The ability of DeFi to attract more users through its nature of immutability,transparency, and speed, the market demand which is defined by asset price increases. Thus, DeFi lending platforms aim for high price efficiency.

Censorship Resistance

Censorship Resistance

The decentralization of DeFi Lending guarantees that there is no preferential treatment and thus there are equal rights and opportunities for everyone to make transactions in the blockchain.

Quick Access

High-end Transparency

In DeFi crypto lending platforms, smart contracts act as a central authority and handle all the lent & borrowed assets and stores it in the decentralized blockchain which everyone can view and verify. Thus it provides complete transparency over all the funds.

Price Efficiency and Immutability

Flexibility and Speedness

To process any lending or borrowing of assets, you just have to open an account in DeFi Lending Platform, have assets in your crypto wallet and takes a few seconds to open smart contracts and process the lending or borrowing process. Thus DeFi lending is high speed with great flexibility.

These are the main reasons to prefer DeFi lending and borrowing platforms over traditional lending platforms for your financial needs.

Key Advantages of DeFi Lending and Borrowing

Listed here are the reasons for the need for DeFi based crypto loans and their advantages over traditional systems.

Highly Flexible lending and borrowing process
Ultra Transparency in Transactions
Higher Interest Rates over Traditional Saving
Open access to everyone
Faster Fund Transfer
Lender Passive Income
Permission less Processing
Immutable, that no one can edit or delete any transactions

DeFi Lending Platforms Provide End-User Benefits

DeFi lending and borrowing platforms offer some higher benefits for their lenders and borrowers than traditional earning interests from the crypto assets financing process. Here are some of the primary advantages that DeFi P2P Lending systems provide to both lenders and borrowers.

Trading on Margin

In DeFi lending platforms, users can buy any asset and easily trade it for another cryptocurrency on any other exchange. This demonstrates that margin trading is available on centralised exchanges as well as unsupported platforms.

Quick Loans

Flash loans are a feature of many DeFi systems that allow users to borrow assets to perform other duties and then repay them at the end of a predetermined period. Aave, one of the most prominent DeFi Lending platforms, offers Flash loans to its consumers.

Non-Taxable Liquidity

Obtaining crypto loans in exchange for fiat currency is the ideal solution for investors and asset holders of DeFi lending platforms to avoid paying taxes on their gains. These are some of the advantages both lenders and borrowers gain from utilising the DeFi lending platform for their lending and borrowing needs. Platforms/Protocols for DeFi Lending and Borrowing Ethereum is the market leader in DeFi lending and borrowing. For lending and borrowing, there are a number of popular open-source DeFi protocols on the market. Let's take a closer look at the top 5 DeFi Lending and Borrowing Platforms in the cryptocurrency market.

Long-Term Returns on Investment

DeFi systems allow investors to lend their crypto assets and earn extra cryptos via interest rather than relying on capital appreciation or a HODL strategy. Arbitration between the CEX and the DEX Users that have access to fiat credit can borrow it at lower rates than DEX and sell it for crypto assets on CEX. Again, those on DEX can be lent to earn arbitrage fees. This is a feature that most DeFi Lending platforms with stricter KYC give to both lenders and borrowers.


Aave is a popular open-source non-custodial DeFi lending protocol that shifted from DeFi P2P lending strategy to a liquidity pool strategy.

Founder- Stani Kulechov
Blockchain Network – Ethereum
Total Value Locked – $548.3M USD
% of Minimum Collateralization – 133%
Native Token – LEND
Some Supported Crypto Assets – ETH, USDC, DAI, REP, TUSD, BUSD, and more.

Key Features of Aave

Flash Loan

Aave allows its borrowers to take loans without locking any collateral for a limited time and if the loan is not paid back, it gets automatically reversed. The repayment of loan is about 0.09% nominal fee in LEND.

Rate Switching

Aave allows its borrowers to switch between stable and variable interest rates. It’s hard to estimate the interest rate of long term borrowing, due to the volatile nature of interest fees in DeFi.Thus, by using this feature of Aave, the borrowers choose a fixed rate if the predicted interest rate increases and shuffles back to the floating rate if the interest is reduced.


Compound, an open source lending protocol that allows users to earn interest and also borrow assets against collateral on Ethereum network.
Founder- Robert Leshner
Blockchain Network – Ethereum
Total Value Locked – $648.5M USD
% of Minimum Collateralization – 133%
Native Token – COMP
Some Supported Crypto Assets – ETH, USDT, DAI, REP, BAT, WBTC, and more.

Key Features of Compound

No lower limit to lend and borrow
No requirement of KYC or ID verifications
Compound Protocols reserves only 10% of interest and the remaining goes for the lenders.


Maker is another crypto lending platform with DeFi open source protocols which primarily offers lending and borrowing of DAI.

Founder- Rune Christensen
Blockchain Network – Ethereum
Total Value Locked – $925.3M USD
% of Minimum Collateralization – 150%
Native Token – MKR
Some Supported Crypto Assets – DAI token, ETH,BAT,DGD,ZRX and more.

Digital Creative Agency Key Features of Maker


A way to generate DAI and pay as stability fees along with the borrowed DAI to close a position


A way to vote and implement various policies in the Maker platform such as collateral ratio, stability fee, and so on


When the total collaterals locked in CDP are not enough, the Maker system mints and sells MKR to raise capital to cover the existing DAI.

Nuo Network

Nuo is a non-custodial DeFi debt protocol that allows lenders or borrowers to over collateralize their loans that can be revoked later from the platform.

Founder- Siddharth Verma, Varun Despande, Ratnesh Ray
Blockchain Network – Ethereum
Total Value Locked – $3.3M USD
% of Minimum Collateralization – 150%
Native Token – MKR
Some Supported Crypto Assets – DAI,ETH,SAI,ZRX, USDC and more.

Key Features of Nuo Network

An user-friendly lending platform compared to others
Liquidation Fees is 2% lower than all other DeFi lending protocols
Offers Highest Interest Rates with a large variety of assets.


Dharma is a non-custodial DeFi lending protocol which allows users to lend and borrow DAI or USDC and receive variable interest rates.

Founder- Nadav Hollander
Blockchain Network – Ethereum
Total Value Locked – $1.3M USD
% of Minimum Collateralization – 150%
Native Token – Dharma Tokens(dTokens)
Some Supported Crypto Assets – DAI,ETH,ZRX,USDC and more.

Key Features of Dharma

Simple and automated Crypto Wallet
Fiat Gateway
Ease to access with high security

EOSREX is a DeFi Lending platform in EOS blockchain network with TVL of $600M USD is also a popular DeFi platform. Some other popular DeFi Lending and Borrowing platforms are as follows: