A Global DeFi Platform
for Credit Unions, Cooperatives
and Individuals

Credit Unions, Cooperatives and Individuals anywhere in the world can now earn higher interests in stable currencies on their savings.

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Our Partners and Investors

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Xend Finance Press Coverage

Xend Finance Features

Every tool you need to optimize your savings potential

  • high-interest

    High Interest Rates

    Up to 15% APY. Traditional interest rates offer 1 – 2% APY

  • global-platform

    A Global Access

    Unrestricted membership from around the world.

  • flexible loans

    Flexible Loans

    Access to loans with flexible repayment and terms.

  • insurance


    Decentralized insurance to protect assets and investments.

  • stable currency

    Save in Stable Currencies

    Fluctuating and devalued currency is a worry of the past.

  • interests

    Earn Interest and Tokens

    Your secure savings earn multiple levels of interest and benefits.

  • Personal Savings

    Our proprietary DeFi savings model allows you to save at your own pace, while maximizing interest rates and return.

  • ESUSU Savings

    Your savings and your friends’ savings double as investments and compounds interest.

  • Cooperative Savings

    Create secure cooperatives and choose from multiple savings plans and higher Annual Percentage Yields (APYs).

personal-savings esusu-savings coporative-savings

Maximize Your Savings Now

Secure and leverage your money through stable currency savings and up-to-15% Annual Percentage Yields (APYs).

Start Saving Now

Funds Staking

Your funds will automatically be locked in cryptocurrencies to consistently earn rewards – even while you sleep.

  • compound


  • maker


  • aave


More coming soon

Building with Binance Smart Chain

  • Interoperability: cross-chain communication with all blockchains.
  • Fast throughput: heterogeneous sharding, allowing speedier transactions.
  • High Security: POS relay chain, maintaining the integrity of the network.
  • Governance: on-chain governance ensuring transparency and decentralization.

2021 Roadmap


  • Xend Finance Mainnet launch on Ethereum Blockchain. Ongoing
  • Web and Mobile SDK for developers for easy integration into existing crypto and fiat wallets - Phase 1 Done
  • More development on Binance Smart Chain Blockchain Development and Testnet Implementation. Done
  • XEND TGE Done
  • Partnership with Credit Unions and Cooperatives Ongoing


  • Staking program - Ascendex Done
  • Mainnet Launch on Binance Smart Chain Done
  • Wallet Connect Integration to support Mobile Done
  • Binance Chain Wallet, Trust Wallet, Safe Pal Wallet Support Done
  • ForTube integration on Binance Smart Chain Done
  • Partnership with credit unions. Done
  • Listing on more exchanges. Ongoing
  • Matic(Polygon) Integration. Done
  • Web and Mobile SDK for developers for easy integration into existing crypto and fiat wallets - Phase 2 Done
  • Vault development - Phase 1 Done
  • DeFi dollar integration on Ethereum Blockchain Done
  • Launch of decentralized Insurance Ongoing
  • PancakeSwap Farming Done
  • SDK Launch to support Binance Smart Chain Done
  • Launch of Liquidity mining calculator Done
  • Xend Finance Liquidity Mining/Reward Program Launch Done
  • Fiat to Crypto on-ramp and off-ramp integration for Asia and Africa Done


  • Support for multiple crypto assets. Done
  • Partnership with credit unions. Done
  • Fiat to Crypto on-ramp and off-ramp integration for Europe and North America. Ongoing
  • Governance: $XEND holders will be able to propose, vote and approve proposals. Done
  • DaFi Protocol Integration Postponed
  • Vault Development & Testing - Phase 2 Done
  • ForTube integration on Ethereum blockchain Cancelled
  • Mobile application development for Android and iOS Done
  • Purchase of Insurance with XEND tokens Ongoing
  • XEND token holders able to provide insurance cover to earn insurance premium Done
  • dXEND for hyperinflation reduction Postponed
  • Platform UI/UX Updates. Done


  • Support for multiple crypto assets Done
  • Listing on more exchanges Ongoing
  • Partnership with Credit Unions Ongoing
  • Xend Finance browser wallet development Ongoing
  • Fiat-gateway integration into custom Xend Finance browser wallet. Ongoing
  • Revenue distribution to Governance participants. Postponed

Strong Team

Xend Finance is built by a team of experienced entrepreneurs, engineers, and researchers with significant backgrounds in mathematics, finance, cryptography, and blockchain development working for some of Africa’s largest employers, including KPMG and Chevron.

Read more about our team

Strong Support from Investors

“Africa is one of the most important continents, representing the future and emergence of DeFi and blockchain capabilities. We are very excited about the mainnet launch of Xend Finance, with a team we backed early on that has a strong foothold in Africa and have been strong advocates for what Binance Smart Chain can accomplish. With their platform, they are able to bring stable currency and DeFi investment opportunities to those who normally wouldn’t have them.”

CZ - CEO OF Binance

Read more about our Investors

Frequently Asked Questions (FAQs)

  • What is DeFi

    DeFi includes a range of decentralized financial instruments and mechanisms. These include stable coins, lending protocols, security tokens, derivatives, exchanges, and more. Many DeFi systems enable liquidity providers to earn interest on their collateral via a variety of different reward mechanisms.

  • What is Staking

    Staking cryptocurrency means you are holding cryptocurrency to verify transactions and support the network. In exchange for holding the crypto and strengthen the network, you will receive a reward. You can also call the reward an interest. With staking you can generate a passive income by holding coins. Besides that you receive a reward, you can earn extra when the coin increases in value.

  • How can I save and stake at the same time?

    Your savings are staked automatically on Other DeFi platforms using instruments that give the best returns. You don't have to do anything. It is automatically handled by the platform.

  • How does Xend Finance benefit from being on Google Launchpad?

    Xend Finance is Africa’s first DeFi project, allowing users to earn compound interest and high APYs on their savings. Being featured in the Google Launchpad Accelerator program is massive for a startup and being one of the few startups focused on DeFi and Credit Unions is just a huge opportunity. Not only does Google validate and back the core mission and values of the project, but it also gives our team access to Google’s core foundations — its people, network, and advanced technologies.

  • How does Xend Finance utilize the funds that users deposit on the platform?

    Xend Finance’s smart contract periodically invests user funds on leading DeFi lending protocols, such as Compound, AAVE, dYdX and Yearn Finance.

    75% of the interest generated from DeFi lending networks is paid to the Credit Union’s overall savings deposited, and 50% of the interest generated from Compound is deposited to the Individual Saving Node (ISN).

  • What benefits does Xend Finance’s native token $XEND provide to holders?

    The native token of the Xend Finance ecosystem is the Xend Token ($XEND), which is used to reward users for saving, investing and performing different operations on the network.

    $XEND tokens also generate interest for the users - the Xend Finance smart contract periodically invests user savings on DeFi lending protocols, which produces a second level of interest for the users.

  • Why is Xend Finance building on the Binance Smart Chain?

    Binance Smart Chain offers a powerful DeFi ecosystem and a reliable alternative to Ethereum. Since its launch in 2020, its meteoric rise and widespread adoption have only validated its capabilities of being robust, cheap, fast, and user-friendly — ideal platform features for DeFi and DApp development.

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