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TrueFi is the largest collateral-free lending protocol.

institute type


market cap

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TrueFi jobs

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organization details


TrueFi is on a mission to empower people by opening access to financial opportunities.

current challenges

TrueFi must advance in four key ways:

  1. Expand the set and types of borrowers
  2. Expand the types of loans
  3. Improve the efficiency of the TrueFi Credit Model
  4. Progressively decentralize, to put more of these decisions into the hands of TRU holders

culture & values

  • Seek Truth

We venture forward with curiosity, awareness, and empathy

  • Embody Renaissance Ambition

We continually strive to become our best selves

  • Make Good Things Easy

We create habits and systems to help us toward our goals

  • Get Stuff Done

We move fast and have a bias for action over perfection

  • Slower is Faster

“Weeks of work can save you hours of planning.” Make sure you don't waste the weeks by planning your journey first.


Since its launch in November 2020, TrueFi has achieved over $1.1 billion in TVL and over $500 million in loan generation with zero defaults.

TrueFi V2 went live on February 19th, 2021 included three major protocol changes: an improved TRU staking model; an on-platform service for exiting the lending pool, called liquid exit; and the launch of on-chain governance.

The V3 protocol, which went live on May 17th, 2021, introduced the TrueFi credit model and the launch of multi-asset support, starting with USDC.

TrueFi V4 went live on 18th August and launched “SAFU” or Backstop Fund, which aims to further protect lenders against default. V4 also introduced lines of credit functionality and added automatic interest rate pricing for borrowers (a prerequisite to lines of credit).

core team

Rafael Cosman - Co-Founder & CEO

Alex de Lorraine - COO & Sr. Director, Finance

Tom Shields - Chairman of the Board, Chief Strategy Officer

Marek Kirejczyk - CTO


  • Make an impact

We're a lean team that thrives on ownership and empowerment. Your work is seen and felt here every day — in a big way

  • No two days are the same

As a growing team, we move fast and embrace change. As new challenges emerge, it’s up to you to take ownership and help solve them

  • Build a better financial future

What we’re doing hasn’t been done before. It’s uncharted territory. We learn new things every day and shape the future of financial technology

  • People are our secret sauce

We celebrate what makes each of us quirky and unique — and come together as a team. You’ll be pushed to become your best self in, and out, of work