Peridot Finance bridges the CEX-DEX divide with a non-custodial lending platform that preserves user control while offering familiar interfaces. Users can lend and borrow XLM, USDC, and EURC through Easy and Expert modes on Stellar.
Peridot Finance argues the CEX versus DEX choice is a false binary. The platform positions itself as a 'DeFi Broker' — non-custodial lending and borrowing on Stellar that preserves user custody while offering CEX-familiar interfaces. Users can supply XLM, USDC, or EURC to earn variable interest or borrow against collateral without selling existing holdings. The platform offers Easy Mode for newcomers and Expert Mode for advanced traders, connecting both to the same underlying smart contract infrastructure. Risk persists: collateral values fluctuate, yields vary, liquidations can occur, and smart contract vulnerabilities remain possible. But the model demonstrates how DeFi matures beyond exchange mechanics into broader financial utility for users who value both control and accessibility.
