We all stumble upon something
great from time to time.

Bank of
Hodlers
Overdraft companies Centralised Lending companies P2P Lending companies
Can borrow in USD Yes Yes Yes No
Hodlers earn interest Yes No Yes No
Cross chain capability Yes Yes Yes No
Payment solution - cards that work Credit and debit cards credit cards No No
Interest rate (annual) 5+% 12+% 5-20% 15-200%
Min Loan amount $0 $1000 $100 $0
User interface Intuitive Decent Intuitive - complicated (depends on the company) Very complicated. Only for coders
Waiting time for a loan 30 minutes 30-60 minutes 2 days - weeks 2-4 hours
Token Type Utility + dividend paying token Utility token/dividend paying token (depends on the company) Utility/membership token Utility token
Loan to Value Up to 35% Up to 50% Up to 75% Up to 75%
Decentralised lending Yes No No Yes
Focus on security of assets Yes No No No
Assets are insured Yes No No No
Can avail services while keeping coins in any exchange & third party wallet Yes No No No
Amount loaned so far Pre Launch ~$30,000,000 ~30,000,000 ~$5,000,000
Loan visibility Public Private as of today Private as of today Public
Capital locked? Yes, but with complete access to payments and insurance Yes Yes Yes
Withdrawal Procedure Bank transfer in any currency or wallet deposit & the line of credit in the card Line of credit offered on a card. Bank transfer in any currency or wallet deposit of a cryptocurrency Coins are deposited in your crypto wallet