Aeva makes use of the cryptocurrency pool-based strategy protocol. This marks a shift from the typical decentralized P2P lending strategy by directing loan relationships between lenders and borrowers. No individual matching of loan is used but instead, it relies on the pooled fund, collateral and amount borrowed. Aeva has grown in popularity among crypto users because of its two key features; flash loan and Debt Tokenization. Make sure you keep an eye out for Aeva in 2021.

Price: ~$373 USD | Market Cap: $4.63B