The historical record of crypto lending, Earn products, and customer outcomes.

Non-custodial DeFi lending protocol spanning multiple versions and networks, including Aave V4 in 2026. It recorded earlier 2022 CRV bad debt and a 2023 precautionary security response. Following the October 29, 2026 Binance wallet incident, guardians temporarily froze new supply and borrowing across many Aave V3 and V4 reserves while repayments, withdrawals and liquidations remained available.

Balancer liquidity pools and vaults, whose liquidity-provider fee income is part of DeFi yield infrastructure, are subject to a DAO-approved phased wind-down under BIP-928. Approval occurred September 29, 2026; withdrawals-only for applicable pools is scheduled October 30 with v3 extension cases until November 30.

NFT-collateral lending protocol associated with Blur. Blur announced October 12, 2026 that Blend would stop matching new loans on November 12, while allowing borrowers to repay or default and planning a dedicated withdrawal interface afterward.

DeFi lending and leveraged yield-farming protocol on Optimism and Base. In October 2026 it announced a pause in new borrowing from October 14 at 08:00 UTC and an end to legacy AERO/VELO reward emissions on October 22 at 00:00 UTC as part of the Aero upgrade.

ERC-4626 yield vault service offered by Relay. In October 2026 Relay declared Vaults retired for new deposits and directed users to withdraw; the normal withdrawal interface is scheduled to close December 31 while direct smart-contract withdrawals remain available afterward.

Avalanche-origin DeFi yield optimizer with compounding vaults. On October 12, 2026 a core contributor proposed an orderly shutdown, including potential withdrawal-only vaults and distribution of the treasury, but the proposal explicitly required subsequent DAO approval and stated ordinary operations would continue in the meantime.

Decentralized credit protocol centered on USDC-funded borrower pools and real-world credit. By mid-2026, Goldfinch Prime had been wound down and fully redeemed while the legacy Goldfinch protocol shifted to maintenance focused on borrower recoveries and user access to repayments.

Omnichain non-custodial DeFi lending protocol that suffered two major security incidents in 2024 and entered an orderly maintenance-mode wind-down in 2026. Users retain access to withdraw, repay and manage positions while active development and new borrowing have ceased and recovery/remediation infrastructure remains in place.

DeFi protocol associated with NUSD and sNUSD that paused protocol functions in August 2026 after identifying an issue affecting a strategy position and the liquidity of part of protocol reserves.

Crypto deposit and yield service that suspended withdrawals in June 2023. Haru Management Limited, the operating entity responsible for membership, product subscriptions, and customer virtual-asset management, was declared bankrupt by the Seoul Bankruptcy Court on 20 November 2024 after the court found grounds of inability to pay.

Product-scoped record for FTX's mobile-app Earn program, which paid advertised yield on supported crypto and fiat balances. FTX and affiliated debtors filed for Chapter 11 on 11 November 2022; the customer claims system later preserved account histories including amounts earned through the Earn program. Customer recoveries now proceed through the broader FTX bankruptcy plan rather than a product-specific FTX Earn repayment process.

Product-scoped record for Liquid's exchange-linked yield service launched through an integration with Celsius Network. After FTX acquired Liquid, Liquid Global suspended fiat and crypto withdrawals in November 2022 in connection with the Chapter 11 proceedings of parent FTX Trading Ltd. Liquid's current support materials continue to direct customers toward the FTX bankruptcy claims process.

Smart Lending was a Japanese crypto-asset lending service whose first-party terms described unsecured consumption-loan contracts with fixed lending periods and stated annualized interest rates. The operator announced on 2026-09-02 that the official website and My Page would close on 2026-09-04.

Custodial crypto savings and lending platform that suspended customer-asset services in November 2022 after a failed liquidation process made part of customer assets unavailable, then ran multiple recovery programs before ending all active financial services in June 2026.

Product-scoped record for Kriptomat's staking-based KriptoEarn service, paused during the 2022 market crisis and ultimately terminated during Kriptomat's MiCA-related 2026 wind-down.

Centralized crypto yield platform that restricted withdrawals and paused rewards in June 2022 while assessing Three Arrows Capital exposure, later restored selected functions, and was reported to have closed services in July 2025.

South Korean crypto savings, lending, and staking platform that suspended customer withdrawals in June 2023 following stress linked to Haru Invest, received a three-month FIU business suspension and monetary penalty, failed to obtain rehabilitation, and was declared bankrupt by the Seoul Bankruptcy Court in November 2024.

Digital asset wealth and yield platform that suspended all activity in June 2024 and entered insolvent liquidation after losses linked to assets held through third-party hedge fund managers on FTX.