Live markets · 14
Coinbase has originated $900M+ in crypto-backed loans. But nearly all embedded lending runs on EVM rails and serves a handful of assets. Your users hold ADA, XRP, XLM, HBAR, DOGE and more — and for most of those, there is nowhere to lend or borrow. LOAN changes that, under your brand.
| Asset | LOAN (Metal X) | Aave / Morpho / Compound | Custodial CeFi | Single home-chain protocol |
|---|---|---|---|---|
| ADA · Cardano | ● | ○ EVM-only | ◐ off-chain ledger | Liqwid (Cardano only) |
| XRP | ● | ○ | ◐ off-chain ledger | XRPL, in testing |
| XLM · Stellar | ● | ○ | ○ | Blend (Stellar only) |
| HBAR · Hedera | ● | ○ | ○ | Bonzo (Hedera only) |
| DOGE | ● | ○ | ◐ off-chain ledger | ○ |
| LTC · Litecoin | ● | ○ | ◐ off-chain ledger | ○ |
| SOL · Solana | ● | ○ | ◐ | Kamino (Solana only) |
| BTC · ETH · USDC | ● | ● | ● | varies |
● supported · ◐ limited / single-venue · ○ not available. On LOAN, assets are represented as bridged xTokens on XPR Network, and — like every cross-chain route — the underlying native assets are held in custody at the bridge layer. What differs is the market layer: LOAN positions sit on-chain in the user's own KYC-verified account, transparent and self-managed, rather than as entries in a provider's internal ledger. The "○" for EVM protocols is structural: those assets have no EVM version to list.
Live lending & borrowing markets for ADA, XRP, XLM, HBAR, DOGE, LTC and SOL — all in a single integration. EVM protocols structurally cannot list them; home-chain protocols make your users juggle a different app and wallet for each chain.
Offer it as a fully white-labeled experience or integrate via API. Your users never leave your app, and the lending product carries your name, not ours. Want to see the markets running today? Metal X is our own front-end on the same rails (rated 4.4/5 by Milk Road) — your branded version works the same way.
Identity and KYC are verified and enforced at the protocol level, not bolted on afterward. That is a posture your risk and legal teams — and your regulators — can get comfortable with. A clean contrast to permissionless DeFi.
Every supply, borrow, repay and top-up settles on XPR Network with no per-transaction network fee. Smoother UX and lower friction than lending on Ethereum or its L2s.
Not a testnet. Real, utilized markets with a track record measured in years, independently tracked on DeFiLlama at $30M+ TVL — more than the leading Cardano-native or Hedera-native protocol individually, while covering both chains plus XRP, XLM, DOGE and more in one venue. The markets run on XPR Network, a top-40 chain by DeFi TVL of the 450+ DeFiLlama tracks.
Partners can participate in the economics of the lending product they offer — this is a product your users pay to use, not a cost center. We walk through commercial structure in the partnership conversation.
KYC and identity are handled at the protocol level.
As bridged xTokens, where the lending markets live.
Against their holdings, managing their own positions on-chain at competitive collateral ratios.
Via white-label UI or API, under your brand, with compliance handled underneath.
If your users hold assets that have nowhere to earn or borrow today, we can show you a working integration on testnet in a short call.