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ZeroLend operates a decentralized lending protocol designed to service the growing Layer 2 (L2) ecosystem, Liquid Restaking Tokens (LRTs), Real World Assets (RWAs), and BTCFi. The platform provides a user-friendly and frictionless environment for borrowing and lending digital assets, establishing itself as a prominent market within these specialized blockchain verticals. Its technical approach centers on optimizing efficiency and accessibility for DeFi participants.
The company was founded in 2023 by Deadshot Ryker, Gafoor Khan, Joshua AJ, and Steven Enamakel. Their collective insight identified a critical demand for robust and specialized lending infrastructure to support the proliferation of Layer 2 solutions and other novel blockchain assets, leading to the creation of a dedicated protocol to address this niche.
ZeroLend serves a diverse base of DeFi users, from individual borrowers and lenders to institutional entities seeking to leverage capital across various blockchain networks. The company's overarching vision aims to onboard a wider demographic to decentralized finance by streamlining access to its core services, ultimately striving for a more interconnected and accessible global financial system.
ZeroLend has raised $3.0M across 1 funding round.
ZeroLend has raised $3.0M in total across 1 funding round.
ZeroLend has raised $3.0M in total across 1 funding round.
ZeroLend's investors include FMFW.io, Foundership Ventures, HIVE Ventures, Infinity Ventures Crypto, Pioneer Fund, Woodstock Fund, George Burke, Ajeet Khurana ⭕️, Avi Felman, Danish Chaudhry, Michael, Mr.Block.
ZeroLend has raised $3.0M across 1 funding round. Most recently, it raised $3.0M Seed in February 2024.
| Date | Round | Lead Investors | Other Investors | Status |
|---|---|---|---|---|
| Feb 1, 2024 | $3M Seed | — | Fmfw.io, Foundership Ventures, Hive Ventures, Infinity Ventures Crypto, Pioneer Fund, Woodstock Fund, George Burke, Ajeet Khurana ⭕️, AVI Felman, Danish Chaudhry, Michael, Mr.block, Nick Rose Ntertsas, Pranav Sharma, Vijay Garg, FCA, Vijay Pravin Maharajan, Asteroid Capital, Banter Capital, Bison Fund, Blockchain Founders Fund, Cypher Capital, Dvdt, GBV Capital, Genblock Capital, IAngels, Krypital Group, Momentum6, Danilo S. Carlucci, Newman Capital, Ozaru Ventures, Transform Capital, Viabtc Capital | Announced |
ZeroLend is a decentralized finance (DeFi) lending protocol operating on Layer 2 blockchains, enabling users to supply assets for yields or borrow against collateral without intermediaries.[1][2][3][5] It serves crypto users, including individuals and institutions seeking efficient lending, by solving high Ethereum fees, limited cross-chain support, complex interfaces, and narrow asset compatibility through multi-chain Layer 2 integration, account abstraction for gasless transactions, and support for liquid restaking tokens (LRTs) and real-world assets (RWAs).[1][3] The protocol has raised $3M in seed funding and shows growth momentum, with a Mosaic Score up +156 points recently and token unlocks planned as of May 2025.[2]
ZeroLend emerged in the DeFi space to address core pain points like high mainnet fees and poor interoperability, with a focus on Layer 2 solutions such as Linea.[1][3][5][6] Founded as a Delaware-based company in the blockchain and fintech sectors, it has secured $3M in seed VC funding at the "Alive" stage, positioning it as an early innovator in multi-chain lending.[2] Key early traction includes ETHGlobal showcase recognition as a decentralized microfinance DApp promoting financial inclusion, alongside integrations for LRTs, RWAs, and analytics from DefiLlama, Chaos Labs, and IntoTheBlock.[4][5]
ZeroLend rides the Layer 2 scaling and restaking trends in DeFi, capitalizing on Ethereum's congestion by delivering low-fee, high-efficiency lending amid rising LRT and RWA adoption.[1][3] Timing aligns with maturing L2 ecosystems like Linea, where multi-chain protocols reduce fragmentation and expand DeFi's total value locked (TVL).[5][6] Market forces favoring it include demand for capital-efficient yield strategies and institutional access via platforms like Kiln DeFi, influencing the ecosystem by enhancing liquidity for niche assets and lowering barriers to broader crypto participation.[3] As part of fintech and blockchain collections, it contributes to decentralized alternatives to traditional lending.[2]
ZeroLend's trajectory points to expanded L2 deployments, deeper RWA/LRT integrations, and ZERO token utility growth post-unlocks, potentially capturing more TVL as DeFi matures.[1][2][5] Trends like account abstraction standardization and L2 interoperability will amplify its edge, evolving it from niche lender to infrastructure player amid rising institutional DeFi inflows. Watch for protocol upgrades via governance to sustain momentum in a competitive space, reinforcing its role in accessible, multi-chain finance.[1][3]
