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DeFiner is a permissionless and configurable lending protocol with 100 % privacy.

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organization details


Our mission at DeFiner is to help users gain financial freedom by building a truly decentralized finance network for crypto savings and loans.

current challenges

The DeFi industry is still on its way to true decentralization. The current DeFi lending protocols serve as gatekeepers with the right to decide which tokens will be a part of their pool. Some protocols have introduced the DAO governance model to decide which coin will be listed on their platform. However, even with a DAO, this design is still considered a centralized framework because power is still with a small group of people. 

When DeFiner reaches maturity, our ultimate goal is to have a Decentralized Autonomous Organization (DAO) that will be solely run by the community. We want our DAO to be a robust governance system that gives the DeFiner community complete control to manage the protocol.

culture & values

  • Transparency
  • Community
  • Strive for the Best
  • Humility and Confidence
  • Global Mindset


Founded in 2018 in Minneapolis, MN, DeFiner was the winner of the Detroit Fintech Challenge in 2019 and was named one of the “8 Early Stage Fintech Startups to Watch out for in 2020" by Fintech Switzerland. DeFiner is backed by renowned investors such as Techstars, NexCubed, and SNZ.

core team

Jason Wu - Founder and CEO

Hilal Al-Hilali - CTO

Chyna Qu - Co-Founder & COO

Jitendra Chittoda - Head of Smart Contracts