Every system. Every name. Nothing hidden.
26 protocols. 7 categories. Full transparency about every system your money touches.
Here's why we built this page.
Ask your bank where your savings go. They won't tell you.
We will. Every system listed on this page is one your money may touch when you use a diBoaS strategy. We publish the names, the track records, the security audits, and the things that went wrong. Because you should know.
Every protocol on this page earned its spot. We checked how long it has been running, who audited the code, how it handled problems, and whether real people actually trust it with real money. If it did not pass, it is not here.
We list 26 protocols here. Our strategies currently use 6 of them. The rest are protocols we have researched and approved, and they may be included in future strategies as we expand.
Important: Being listed here does not mean zero risk. It means we did our homework and we are being honest about what we found. Every system on this page carries technical risk, market risk, and the possibility of loss.
Organized by what they do. Click any card for details.
All TVL figures are approximate, sourced from DeFiLlama, and current as of February 2026. Values fluctuate daily.
You deposit assets. Borrowers pay interest to use them. You earn the interest.
The largest lending system in decentralized finance. You deposit assets, earn interest from borrowers, and can withdraw anytime. Used by institutions and individuals across 18 blockchains.
Safe Harbor, Goal Keeper, Patient Builder, Steady Compounder, Yield Maximizer
One of the oldest lending systems in DeFi. You earn interest by providing assets that others borrow. Simple, battle-tested, and running since 2018.
Safe Harbor, Goal Keeper, Patient Builder, Steady Compounder, Yield Maximizer
Solana's all-in-one lending and liquidity platform. Combines lending, automated liquidity management, and leverage in a single system. You earn interest by lending assets to borrowers, similar to Aave and Compound.
Matches lenders directly with borrowers for better rates than traditional lending pools. Coinbase integrated Morpho on Base for bitcoin-backed USDC loans (January 2025), originating over $1.2 billion in loans by late 2025.
Lending system built on Aave's proven code, connected to Sky/MakerDAO's deep liquidity. Benefits from the longest operating history in DeFi (since 2014).
Next-generation lending that combines features from multiple established systems. Very low liquidation penalties for borrowers. You earn interest from borrowers, similar to other lending protocols.
Exception to our 1-year minimum: Fluid launched in 2024 but is built by the Instadapp team, which has 6+ years of DeFi infrastructure experience.
You help secure a blockchain network. The network pays you rewards for doing so.
Stake your ETH and receive a token (stETH) you can use elsewhere while still earning staking rewards. The largest staking service in crypto.
Decentralized Ethereum staking. You can stake with as little as 0.01 ETH. No centralized operator controls the network.
Solana liquid staking that earns both standard staking rewards and additional MEV (trading arbitrage) rewards. Used in diBoaS growth strategies.
Full Throttle
Solana staking spread across 100+ validators for better decentralization and rewards. One of the few DeFi protocols with institutional-grade compliance certification.
Unified liquidity layer for all Solana staking tokens. Lets you swap instantly between different staked assets without waiting for unstaking periods.
Stable Growth, Steady Progress, Balanced Builder, Wealth Accelerator, Full Throttle
Restaking: use your already-staked ETH to support other services built on Ethereum and earn extra rewards on top of your base staking yield. You earn staking rewards plus bonus rewards from the services you help secure.
These systems create digital assets designed to hold a stable value, usually pegged to the US dollar. Stablecoins can lose their peg.
The original DeFi system. Running since 2014. Deposit crypto as collateral, generate stablecoins, earn the savings rate. Survived every major market crash since 2017.
All 10 strategies (Safe Harbor, Stable Growth, Goal Keeper, Steady Progress, Patient Builder, Balanced Builder, Steady Compounder, Wealth Accelerator, Yield Maximizer, Full Throttle)
Creates a synthetic dollar (USDe) through hedged positions. Offers higher yields than traditional stablecoins, but with a more complex mechanism and higher risk profile.
Brings traditional financial assets on-chain. US Treasuries, bonds, and stocks as digital tokens. Acquired SEC-registered broker-dealer and transfer agent licenses through its purchase of Oasis Pro (completed October 2025).
These systems generate returns through trading fees, yield optimization, or structured products.
Separates yield from principal so you can trade, lock in, or speculate on future returns. Lets you secure a fixed rate or bet that rates will go higher.
Automated yield farming. Moves your money between systems to chase the best available returns. A pioneer that has been running since 2020.
Specialized exchange for stablecoins and similar assets. Designed for minimal price impact when swapping between assets of similar value.
Boosts your Curve rewards without requiring you to lock tokens for years. Simplifies Curve participation.
Traders use these systems to bet on price movements. You earn returns by providing the liquidity they trade against.
Decentralized perpetual exchange. You provide liquidity to a shared pool. Traders pay fees to the pool. You earn a share of every trade.
Solana's leading perpetual exchange. Provide liquidity, earn 70% of all trading fees. Used in several diBoaS growth strategies.
Balanced Builder, Wealth Accelerator, Full Throttle
Full-featured trading platform on Solana. Perpetuals, spot trading, and lending in one system. Real-time risk monitoring dashboard is public.
Swap one token for another without a centralized exchange. You can also earn fees by providing liquidity for others to trade against.
Solana's main decentralized exchange. Automated market making, concentrated liquidity, and token launches.
User-friendly Solana exchange known for clean design, efficient swaps, and one of the strongest security records in the ecosystem. You can provide liquidity and earn fees from trades on the platform.
Programmable liquidity pools that can hold multiple tokens in custom ratios. More flexible than standard exchange pools. You provide tokens to the pool and earn a share of trading fees.
These systems connect traditional finance and crypto. Cross-border payments, trade financing, and real-world assets on-chain.
Instant cross-border payments and trade financing using crypto infrastructure. Partners with Circle and the Stellar Development Foundation. Returns come from fees charged on cross-border payment processing.
How did these 26 make the list?
We don't add protocols because they are popular. We add them because they passed our checklist.
When protocols have had security incidents, we note them on the card with an amber warning. Transparency works both ways. We show the good and the bad.
So how much real money is in these systems?
The protocols on this page collectively hold over $120 billion in user deposits across all their deployments. That is more than most regional banks hold in total deposits.
This does not mean your money is in all of them. Each diBoaS strategy uses specific protocols suited to its risk level and goals. See the Strategies page for which protocols are used in which strategy.
Combined TVL sourced from DeFiLlama. Last verified: January 2026. Values fluctuate daily.
Before you go further, something important.
This is not a recommendation to use any of these protocols directly.
diBoaS strategies are built on top of these systems, and our team handles the complexity. You do not need to interact with any protocol yourself. This page exists so you can see exactly where your money goes and verify everything we say.
Every protocol here carries risk. Smart contracts can have bugs. Markets can crash. Stablecoins can lose their peg. Systems that have operated safely for years can still face problems tomorrow. We monitor these systems continuously, but we cannot eliminate risk. No one can.
If you are unsure whether this is right for you, consult a licensed financial advisor before making any investment decisions.
This page exists because we believe you deserve to know. Not because you need to act on it.
You probably still have questions. Good.
Satisfied with what you see? Join the waitlist.
Open access and fair opportunities for everyone.
landing-b2c.waitlist.noSpam