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DharmaAn open-source protocol for peer-to-peer lending built on top of the Ethereum blockchain. It is designed to support a robust ecosystem of competing software clients, risk-assessment mechanisms, and last-mile providers to bring loan products to any credit-worthy individual in the world in a seamless, digital manner.

Project website

ICO start date: to be announced later


  • Loan Layer: Serves as a vehicle for loan issuance, payment, storage, and transfer- Origination Layer: Matches borrowers to lenders and mediates loan pricing in a decentralized manner- Risk-Assessment Layer: Assesses and mitigates a borrowers credit default risk- The Dharma Protocols developers and maintainers take no fees

More information in the project whitepaper: https://dharma.io/whitepaper

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Project website