CREAM Lending

Description sourced from DeFiLlama's protocol metadata; teams submit their own copy when listing.

CREAM Lending's governance or utility token carries a market capitalisation of 1,7 Mio. $ based on circulating supply at the latest DeFiLlama snapshot. The market is pricing the token (1,7 Mio. $) above the protocol's on-chain TVL (156.532,4 $) — a mcap/TVL multiple of 11.12× implies investors are paying for expected future fee flows rather than current deposits alone.

Market cap and supply figures are sourced from DeFiLlama's price feed (which reconciles CoinGecko, CoinMarketCap, and on-chain DEX prices). Treasury and staking values reflect on-chain balances controlled by the protocol at last sync.

CREAM Lending is published as a versioned release inside the Cream Finance protocol family. Releases inside the same family typically share governance, brand, and large parts of the audit history, but each version can run materially different contract logic — a release labelled v2 or v3 is not just a UI refresh. Newer versions inside a family typically launch with their own audit cycle and parameter set, so do not assume the previous release's safety record carries over without checking the linked audit reports.

Fork lineage and parent-protocol relationships are tracked by DeFiLlama for security and audit-history attribution; a fork inherits the upstream design but not necessarily the upstream audits or governance.

CREAM Lending ist eine versionierte Variante einer größeren Protokollfamilie. Öffne das übergeordnete Protokoll für den kombinierten TVL und alle Geschwister-Versionen.

CREAM Lending is a Lending protocol that lets users supply assets as collateral, borrow against them, and earn interest from borrowers paying variable or stable rates. It is deployed across 5 chains, including Binance, Polygon, Arbitrum, Ethereum and 1 other chain. The codebase has been independently audited (1 report on file).

CREAM Lending runs a multi-chain deployment, with smart contracts live on 5 networks. Roughly 100% of its on-chain value sits on just three networks (borrowed, Binance-borrowed, Binance), so a fault on any one of them would affect a large slice of users. Price discovery relies on 2 oracle providers (Chainlink, Band), which diversifies the data-feed surface but also expands the set of third parties users implicitly trust. Only one audit report is currently listed; users should weigh that against the protocol's TVL before depositing significant amounts. Its token market cap (1,7 Mio. $) currently exceeds total value locked (156.532,4 $) — a mcap/TVL ratio of 11.12 suggests the market is pricing in more growth than current deposits support.

Verified external resources for CREAM Lending — use these to read the source code, follow governance discussions, or cross-check on-chain data against the original team's channels.

CREAM Lending is one of 7 Lending protocols Mantapex tracks in this category. Direct peers ranked by total value locked include Aave V3, Morpho V1, JustLend, and 3 more. These peer protocols collectively secure 43,4 Mrd. $ in deposits, giving you a frame of reference for whether CREAM Lending's own TVL is at the top, middle, or tail of the category.

Aave V3

TVL 26,2 Mrd. $ · 24h +0.16%

Morpho V1

TVL 7 Mrd. $ · 24h +0.57%

JustLend

TVL 3,4 Mrd. $ · 24h +1.86%

Maple

TVL 2,4 Mrd. $ · 24h -1.17%

SparkLend

TVL 2,2 Mrd. $ · 24h +3.62%

Kamino Lend

TVL 2,1 Mrd. $ · 24h -0.02%