Cream Finance

Open your wallet, pick the asset you hold, and decide what you want it to do for you—earn, borrow, trade, or pay. Cream Finance acts like a modular toolbox for on-chain finance. Start by connecting a wallet, selecting a network, and reviewing the live markets screen. Before moving funds, check collateral rules, rate curves, and liquidation thresholds shown alongside each asset. Use transaction previews to see expected outcomes and fees, set spend limits on approvals, and keep a hardware wallet handy for larger moves. From here, you can deposit tokens to start generating yield or unlock borrowing power in a few clicks.

If you want flexible credit, deposit collateral and open a borrow position. Choose the market that matches your risk tolerance, then set a buffer on your health score so price swings don’t surprise you. Borrow stable assets for working capital, or draw another token to gain exposure without selling your long-term holdings. Build a plan: define your maximum leverage, set alerts for health dips, and schedule partial repayments from future income. For advanced users, you can loop deposits and borrows for amplified exposure—just model the impact first and cap your downside. When it’s time to exit, repay, withdraw, and export your activity log for accounting.

To support trading activity and earn fees, add liquidity to pools that route swaps. Pick pairs you understand, evaluate historical volume versus volatility, and size positions according to your tolerance for impermanent loss. Monitor fee accrual and periodically rebalance or compound. If you hedge, you can open perp-style exposure to offset directional risk, defining margin, target price, and a stop level. Active traders can rotate among markets, capture funding spreads, or keep neutral via delta-hedged strategies. The interface helps you track PnL, collateral usage, and funding payments so you can manage positions without juggling multiple dashboards.

Building products or organizing payments? Tokenize assets to represent stakes, receipts, or access rights. Specify supply, metadata, and transfer rules, then distribute to your community or contributors. Set up streaming payouts for contractors, route settlement flows to treasury addresses, and batch disbursements to cut gas costs. Treasury managers can ladder maturities across assets, while creators can accept on-chain payments and auto-allocate a percentage to savings or loan repayment. Governance participants can stake or vote on proposals that direct incentives across markets. With analytics, alerts, and exportable reports, you can run recurring workflows—earning, borrowing, trading, and paying—on a predictable cadence without centralized gatekeepers.