Maple

Maple is a secure, curated digital lending platform that connects institutional capital to overcollateralized borrowing opportunities in the crypto economy. Built on smart contracts and powered by blockchain technology, Maple provides verified lenders access to lending pools offering stable, fixed-yield returns. Since launch, the protocol has facilitated over $6.7 billion in loans and maintains a 165%+ collateral ratio, demonstrating the platform's commitment to safety and sustainability.

At the core of Maple’s infrastructure are its permissioned lending pools: Blue Chip Secured, High Yield Secured, and BTC Yield. These pools provide returns between 5% and 10% APY, backed by overcollateralized positions using ETH, BTC, and other liquid altcoins. By integrating KYC processes and smart contract security, Maple gives institutional and verified DeFi lenders total visibility and risk-adjusted returns. Meanwhile, borrowers benefit from access to capital with flexible terms and real-time loan management tools.

Maple is also deeply committed to decentralization and governance through the SYRUP token, which aligns participants, fuels ecosystem incentives, and governs both the institutional and permissionless DeFi offerings. This governance token can be staked to earn rewards while contributing to decision-making for protocol upgrades and economic incentives. Maple’s integration with major data platforms like Messari, and DeFi Llama further supports transparency and analysis.

Unlike competitors such as Aave, Compound, and TrueFi, Maple delivers a unique hybrid between institutional lending and decentralized infrastructure. It brings institutional-grade risk assessment, collateral management, and debt servicing into the on-chain world — transforming how crypto-native and traditional capital interact in the financial system.

Maple Finance offers a powerful range of benefits and features that make it an exceptional solution for digital asset lending:

• Permissioned Lending Pools: Access secure, compliant lending opportunities with curated institutional borrowers and transparent smart contracts.
• High-Yield Lending: Earn predictable fixed APYs between 5% and 10% by depositing into structured lending pools backed by overcollateralized loans.
• Institutional-Grade Risk Management: All loans are vetted through Maple's internal credit assessment and risk management frameworks.
• Fully Collateralized Loans: Every loan issued is backed by high-quality digital assets like ETH, BTC, and stablecoins to ensure repayment security.
• Transparent On-Chain Operations: Real-time data and auditability ensure lenders and borrowers have complete visibility into loan terms, collateral ratios, and performance.
• SYRUP Governance: Stake and participate in community-driven governance to shape protocol policies and earn incentives.
• Syrup.fi for DeFi Users: A permissionless access point to Maple’s infrastructure, democratizing institutional lending for retail DeFi participants.

Getting started with Maple Finance is straightforward for both lenders and borrowers:

• Sign Up: Visit the Maple Finance website and create an account. For lending access, complete the KYC process to join the Global Allowlist.
• Explore Pools: Navigate to the “Lend” section and browse opportunities such as Blue Chip Secured, High Yield Secured, or BTC Yield.
• Deposit Funds: Choose a pool and deposit assets like USDC or BTC. You'll receive LP tokens representing your stake and returns.
• Monitor Performance: Use Maple’s dashboard to track APY, collateral ratios, loan performance, and any default or impairment events.
• Borrow Capital: If you're a borrower, complete the application form and undergo due diligence. Once approved, submit loan requests and drawdown funds upon acceptance.
• Govern with SYRUP: Stake your SYRUP tokens to gain voting rights and earn ecosystem rewards through community governance.
• Join the Community: Engage on Telegram, follow on Twitter, or explore analytics on Dune.