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

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.

Wallet-integrated fixed-term XRPH yield facility launched by XRP Healthcare in December 2023 with advertised 20% APR for six-month terms and 25% APR for twelve-month terms. New staking contracts stopped in July 2024 while existing positions were allowed to continue, and XRP Healthcare's current roadmap describes the staking facility as discontinued.

Non-custodial DeFi lending protocol operating isolated lending markets across multiple networks. In August 2026, Moonwell's Base MAMO Core Market suffered a market-level exploit combining collateral-accounting inflation and MAMO oracle-price manipulation. Emergency controls sharply restricted affected borrowing and supply parameters while Moonwell continued operating.

Permissionless non-custodial DeFi lending infrastructure with isolated markets and vaults. Morpho remained operational through a 2025 application-layer configuration incident and a separate 2025 Base market oracle-manipulation event, while continuing active product and protocol releases in 2026.

Risk-isolated non-custodial DeFi lending protocol. Silo experienced a November 2023 GRAIL/USD oracle mispricing event that liquidated three users, while the protocol remained operational and later advanced to Silo v3, live on Ethereum, Arbitrum, and Avalanche in 2026.

Non-custodial DeFi lending protocol spanning multiple generations and networks. Aave remained operational through a November 2022 CRV bad-debt event and a November 2023 precautionary security pause, and launched Aave V4 on Ethereum and Avalanche in 2026.

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.