Audience
DeFi platform for borrowing assets for everyone
About Torque
Torque is a powerful DeFi platform for borrowing assets with indefinite-term loans and fixed interest rates. Get an instant, crypto-backed loan with no KYC or credit checks. With fixed interest you always know what you’re paying. When volatility strikes, we keep your loans collateralized with minimal liquidation, only to bring collateral 10% above margin maintenance. We take decentralization seriously. Get a loan with no verification, KYC/AML or credit checks. Your keys, your coins, your loans. Always. Control your keys and assets with our non-custodial solution. Our smart contracts have been audited by leading blockchain security auditors ZK Labs and Certik. We work with industry-leading oracle providers to tackle the unique security challenges associated with oracles in a decentralized environment. 10% of the interest paid by borrowers goes to an insurance fund used in the event that undercollateralized loans are not properly liquidated.
Company Information
Torque
Founded: 2017
United States
torque.loans/
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Liquity
Liquity is a decentralized borrowing protocol that allows you to draw 0% interest loans against Ether used as collateral. Loans are paid out in LUSD - a USD pegged stablecoin, and need to maintain a minimum collateral ratio of only 110%. In addition to the collateral, the loans are secured by a Stability Pool containing LUSD and by fellow borrowers collectively acting as guarantors of last resort. Learn more about these mechanisms under Liquidations. Liquity as a protocol is non-custodial, immutable and governance-free. Core to the ethos of Liquity, its product layer is just as decentralized as its smart contracts. All frontends are run by third party operators, who are incentivized to do so via LQTY rewards. Liquity was deployed as a complete system, set to run autonomously without human intervention. No one can change or upgrade the contracts and no one has special access.
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MoneyToken
Crypto-backed loans & asset management, instant financial services powered by blockchain. The problem with the crypto market has been obvious for some time - spending cryptocurrency today prevents holders from profiting on future growth in asset value; those who buy low need to hold on to their investments in order to benefit from selling high. This is where MoneyToken steps in. The MoneyToken platform allows you to borrow liquid funds instantly based on the current value of your cryptocurrency asset holdings. You take out a crypto loan, collateralized with more volatile assets such as Bitcoin or Ethereum - and in return you receive an agreed loan amount in a stable currency. And after repaying the loan you receive your whole collateral back; even if the collateral has increased in value multiple times. With MoneyToken you are able to get money for your immediate needs and save your crypto position, all at the same time.
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Fulcrum
Fulcrum is a powerful DeFi platform for tokenized lending and margin trading. Fulcrum is a decentralized margin trading platform. There is no need for any verification, KYC or AML. Whether lending or trading, maintain control of your own keys and assets with our non-custodial solution. iTokens (margin loans) earn holders interest on borrowed funds and pTokens (tokenized margin positions) allow your margin positions to be composable. Positions that become undercollateralized are only liquidated enough to bring margin maintenance from 15% to 25%. Enjoy a frictionless trading experience with positions that automatically renew and zero rollover fees. The bZx base protocol has been successfully audited by leading blockchain security auditor ZK Labs. Chainlink’s decentralized oracle network is used for price information. If undercollateralized loans are not properly liquidated, lenders are repaid from a pool funded by 10% of the interest paid by borrowers.
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Nuo
The non-custodial way to lend, borrow or margin trade crypto assets. Instantly borrow ETH or ERC20 tokens from debt reserves by staking collateral in our smart contract. No Platform Fees. Create a debt reserve & earn interest on your crypto assets every single day without any hassle. Cancel Anytime. We currently support ETH, DAI, MKR and 8 ERC20 tokens on the debt marketplace. Every loan disbursed is fully backed by a collateral in the smart contract. Users can borrow long & short term loans at preferred rate of interest & tenure. All transactions delegated to the contract & executed post order matching. Password encrypted private key for signing transactions along with other wallets. Off-chain architecture ensures high speed and low latency margin trading. Fully decentralised using smart contracts. All transactions verifiable on-chain. No Intermediaries. No hidden fees.
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