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The Banking Stack for DeFi


MELD is the first DeFi, non-custodial, banking protocol. You can securely lend & borrow both crypto and fiat currencies with ease and stake your MELD tokens for APY

Currently, in traditional financial systems, lending and borrowing are slow, complex, and bureaucratic processes for individuals to perform. In other words, it’s not capital efficient. Commercial lending is inaccessible to normal people and consumer lending is predatory and often leads to higher levels of indebtedness. DeFi unlocks these tools to the masses and makes the entire lending and borrowing process automated, secure, and composable.

To date, the crypto and fiat world rarely mix. MELD is building a virtual network between them that will benefit both crypto and fiat liquidity providers with a world-class DeFi protocol.



MELD is a decentralized and trustless lending protocol built on the Cardano Blockchain using 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.


Business Model

MELD lends fiat currency provided by fiat lenders to borrowers that collateralize their cryptocurrency in a MELD Smart Contract.

The lender receives a high-interest rate from secure investments, whilst the borrower can maintain their crypto positions and see them grow. We stake the collateral in community-managed liquidity pools for our revenue which is divided 50% to MELD and 50% to MELD token holders.

Who are the users?


MELD will offer two fiat borrowing services, crypto-backed loans, and a line of credit. From a collateral perspective, both services function similarly. A borrower will have to deposit 2x the desired fiat in cryptocurrency to utilize either service. Borrowers receive fiat currency via wire transfer directly into their account for crypto-backed loans or gain access to a line of credit, utilized by the MELD Debit Card, after depositing their crypto.


Fiat liquidity providers lend fiat to the MELD protocol, through the MELDapp, to earn high-interest yields. The yields for lending fiat on MELD are sourced from a variety of places, including interest paid from the borrower, trading fees APY from the liquidity pools of MELDed assets, and protocol rewards.


MELDs offering covers lending and borrowing with fiat and cryptocurrency and innovates for greater capital efficiency. Our goals are to create products to meet exciting fast-paced and demanding DeFi customers.

In the future we will be expanding into different areas of the ecosystem and are looking into partnerships with some established DeFi protocols that we think can provide our users with new products and services never before seen by the industry.

Until that point, we will be offering 3 services along with 2 products:


The MELDapp sits at the core of the MELD protocol and is designed to be an all-inclusive consumer/retail-friendly experience. The app makes the process of lending fiat, borrowing fiat, and depositing crypto easy to understand and simple to work with.


The Most Usable and Beautiful Crypto Wallet in the World

Fiat Loan

First, a user will deposit their cryptocurrency to MELD as collateral. The protocol will then use the deposited cryptocurrency to create a collateralized debt position (CDP). A smart contract records the terms of the loan and registers it on the blockchain. Once confirmed the protocol will execute a wire transfer, with the amount of requested fiat, directly to their bank account. Users will be able to manage their CDP directly from the MELDapp.

Crypto-Backed Credit Line

The Crypto-Backed Credit Line provides a valuable and flexible tool for managing fiat cash requirements while only being exposed to interest on the amount of fiat used.

Fiat Self-Paying Loan

This product is able to offer users self-repaying loans by capturing some of the trading fees, generated by DEX aggregators utilizing our liquidity pools for swaps. These fees are used to repay the loan over time.

Based on our models it will take between 3 and 6 years to repay a $100,000 loan depending on the market conditions.

Fiat Debit Card

For the first time ever, MELD protocol users will be able to use their cryptocurrencies to purchase goods or services without having to cash out to fiat currency.


Fiat-Based Debit Card Connected to a Credit Line.




Stay Tuned — MELD

We think it’s essential for everyone to gain control of their financial lives and have equal access to financial instruments used by professionals, not just centralized institutions, governments, or the 1%. We want to provide financial freedom and control to the masses, including the unbanked.

We have a long-term goal to enable the $15 trillion that is currently locked out of the global economy, including 2 billion individuals worldwide that are either underbanked or have no access to banking services whatsoever, access to these tools. These are the people that are paying the highest fees, getting the worst customer service, and they are the ones that are having the most problems.

Our vision is to create an ecosystem that empowers individuals to regain financial control by providing them with the tools and services they need to manage their money on their terms. Whether that be creating a collateralized debt position (CDP) with cryptocurrency, earning an interest return for lending fiat to borrowers, or even participating in reward incentive programs, we strive to provide our users with the functions they need to manage their own financial lives.



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