Xend Finance

Xend Finance is a decentralized finance (DeFi) platform for individual savers, crypto users, and institutions such as credit unions and cooperatives that want to convert value into stable cryptocurrencies, hedge against inflation, and access onchain financial products.

Key capabilities include:

• DeFi savings and yield products via vaults such as AutoYield, which aggregates yield opportunities across multiple blockchains, with yields reported on the site as up to 15% APY.
• Asset Chain, an EVM-compatible layer-1 blockchain designed to support the legal tokenization of real-world assets, including tangible and intangible assets, with native apps for staking, swap, and bridge.
• Cross-chain transfers and asset movement through Xend Bridge, plus a self-custody option via Switch Wallet for holding and transacting digital assets.
• Developer tooling including a Web SDK and documentation to build dApps and integrations on the platform and Asset Chain.

Available on Web (dApp, vault, staking, bridge) and Android (Google Play). iOS availability is mentioned in external coverage but not confirmed in the provided site data.

It primarily serves B2C users seeking stablecoin savings and yield, while also supporting B2B and developer use cases for cooperatives, credit unions, and teams building tokenization and DeFi applications.

The product is notable in the African market for its stated origins as a DeFi project out of Africa, its focus on credit unions and cooperatives, and its expansion into an onchain asset tokenization stack anchored by an Africa-built EVM layer-1 (Asset Chain). The site also lists security audits by firms including CertiK, TechRate, Vidma, and Omniscia, and reports 200k+ users of its DeFi products.

As of Jul 6, 2026, Xend Finance is rated 4.2 on the App Store from 148 reviews and 4.6 on Google Play from 2.2K reviews with 100K+ installs.