Cream Finance

What Cream Finance does

C.R.E.A.M. Finance is a decentralized lending protocol that enables individuals, institutions, and other protocols to lend and borrow crypto assets without intermediaries. Users deposit assets such as ETH and wBTC to earn yield or borrow against collateral in a permissionless, KYC-free environment. The protocol positions itself as part of the yearn finance ecosystem and serves a globally distributed user base spanning individual crypto holders, active DeFi participants, institutional users, and other DApps.

The protocol is blockchain-agnostic and deployed across five networks — Ethereum, Arbitrum One, Base, BNB Chain, and Polygon. Its core architecture comprises variable-rate lending markets for assets including DAI, FRAX, USDC, USDT, crvUSD, WETH, and CRV, alongside an iceCREAM staking module that lets users lock CREAM governance tokens for periods from one week to four years to mint iceCREAM, with longer lock durations delivering higher minting ratios. Governance is conducted on-chain by CREAM token holders.

C.R.E.A.M. Finance generates revenue through the spread between borrowing interest rates and lending yields under a transaction-fee model, with rates displayed as variable APYs on each market. The platform is structured as a private, decentralized entity with no disclosed parent company, institutional investors, executive team beyond founder Jeffrey Huang, or funding rounds. Marketing and community engagement are conducted via Telegram, Twitter/X, Medium, GitHub, and on-chain governance channels.

Name

Cream Finance

Website

https://app.cream.finance

Company type

Private

Founded year

2020

Operating status

Operating

Short description

C.R.E.A.M. Finance is a permissionless, decentralized lending protocol deployed across five blockchain networks (Ethereum, Arbitrum, Base, BNB Chain, Polygon). It serves individuals, institutions, and protocols with KYC-free lending, borrowing, and CREAM token staking within the yearn finance ecosystem.

Ownership category

akta.pro rank

Product category

Decentralized Finance Lending

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Funds, Trusts, and Other Financial Vehicles (525)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Decentralized Lending Protocols (DeFi Money Markets) (FSADAFAB)

akta.pro secondary industry

Lending Protocol Infrastructure (Oracles, Rate Models, Vaults) (FSADAFAN)

Keywords

• Decentralized lending protocol
• Crypto lending markets
• Permissionless borrowing
• Yield generation protocol
• Multi-chain DeFi

Headquarters

HQ city

Taiwan

HQ country

China

HQ region

Asia

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Infrastructure, Personnel, Marketing or Sales, Operations

Revenue model

1. Lending Interest Spread: The protocol generates revenue through the spread between borrowing interest rates paid by borrowers and lending yields earned by depositors. Interest rates vary by asset and market conditions.
2. Supply/Borrow APY: Users earn yield on supplied assets (supply APY) while borrowers pay borrow APY. The protocol operates with variable rates shown on the markets page for assets like DAI, FRAX, USDC, USDT, crvUSD, WETH, and CRV.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

C.R.E.A.M. Finance operates a decentralized, permissionless lending protocol where users can deposit crypto assets (e.g., ETH, wBTC, DAI, USDC, USDT, FRAX, CRV, crvUSD) to earn variable supply APY or borrow against collateral. The protocol is open source, requires no KYC, and is deployed across five blockchain networks (Ethereum, Arbitrum One, Base, BNB Chain, Polygon). It also offers an iceCREAM token staking module and on-chain governance.

Product overview

C.R.E.A.M. Finance is a decentralized lending protocol consisting of core lending/markets functionality and an iceCREAM Staking module. Users deposit assets (ETH, wBTC) to earn yield through the lending markets, while CREAM token holders can stake via the iceCREAM mechanism for governance incentives. The protocol is permissionless, open source, and operates across five blockchain networks (Ethereum, Arbitrum One, Base, BNB Chain, Polygon) as part of the yearn finance ecosystem.

Differentiator

Problem solved

Functional benefit

Brands

• iceCREAM: A staking mechanism where users can lock CREAM tokens for various periods (1 week to 4 years) to mint iceCREAM tokens.

Products and services

• C.R.E.A.M. Finance Lending Protocol Permissionless, open-source decentralized lending protocol that allows individuals, institutions, and other protocols to deposit crypto assets (e.g., DAI, FRAX, USDC, USDT, crvUSD, WETH, CRV, ETH, wBTC) to earn variable supply APY or borrow against crypto collateral. No KYC required and accessible globally via wallet connection.
• iceCREAM Staking Staking module where users lock CREAM tokens for fixed periods ranging from 1 week to 4 years to mint iceCREAM tokens; longer lock durations yield higher minting ratios (e.g., 1,000 CREAM locked for 4 years mints 1,000 iceCREAM, while a 1-week lock mints approximately 4.79 iceCREAM per 1,000 CREAM). Designed to provide governance incentives for long-term CREAM token holders.

Quantifiable outcome

• Users can earn variable APY on supplied assets; current rates shown include DAI at 2.93% supply APY, FRAX at 0.50%, USDC at 0.01%, USDT at 0.00%.

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• yearn financecoreStrategic or Co-development PartnerC.R.E.A.M. Finance is explicitly stated as being 'Part of the yearn finance ecosystem.' This integration positions C.R.E.A.M. within the broader yearn ecosystem of DeFi products, likely enabling synergies in yield optimization and protocol composability.

Scale indicators3 records

Recent moves5 records

Expansion highlights3 records

Direct peers

• Venus Protocol: Decentralized money market and synthetic stablecoin issuer primarily on BNB Chain. Directly comparable product offering where C.R.E.A.M. also deploys.
• Aave: Largest permissionless decentralized lending protocol across multiple chains, offering supply/borrow markets for crypto assets. Directly competes with C.R.E.A.M. on Ethereum, Arbitrum, Polygon, and BNB Chain.
• Compound: Foundational Ethereum-based money market protocol with variable-rate lending and borrowing of crypto assets. Closely comparable core product to C.R.E.A.M.'s lending markets.
• MakerDAO: Decentralized credit protocol issuing DAI against crypto collateral via vaults/CDPs. Operates as a comparable decentralized lending primitive serving similar borrower and integrator use cases as C.R.E.A.M.
• Spark Protocol: MakerDAO-endorsed lending protocol that supplies and borrows DAI and other assets on Ethereum and Gnosis Chain. Competes with C.R.E.A.M. for stablecoin lending demand.
• Morpho: Decentralized lending optimizer that sits on top of lending pools to improve rate matching between lenders and borrowers. Targets the same DeFi lender/borrower audience as C.R.E.A.M.
• Radiant Capital: Omnichain money market protocol that allows cross-chain lending and borrowing of crypto assets. Directly comparable multi-chain lending footprint to C.R.E.A.M.'s 5-chain deployment.
• Silo Finance: Isolated lending markets protocol that allows permissionless creation of lending pairs. Targets the same DeFi user base seeking decentralized crypto-collateralized loans as C.R.E.A.M.
• dYdX: Decentralized perpetual trading and margin platform offering crypto-collateralized borrowing. Comparable to C.R.E.A.M. on the borrow-against-collateral use case for active DeFi traders.

Broad incumbents

• Yearn Finance: Largest yield-aggregation protocol and C.R.E.A.M.'s stated ecosystem partner. Operates in the same DeFi lending/yield space at a wider portfolio scope and serves as a complementary, not directly competing, counterparty.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/CreamdotFinance
• GitHubgithub.com/CreamFi
• LinkedInlinkedin.com/company/creamdotfinance

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Cream Finance