zkLend is an L2 money-market protocol built on StarkNet, combining zk-rollup scalability, superior transaction speed, and cost-savings with Ethereum’s security.

The protocol offers a dual solution:

• Artemis: Permissionless service for DeFi users without sacrificing decentralisation

• Apollo: Permissioned and compliance-focused solution for institutional clients

In short, Artemis is the Permissionless money market protocol, and Apollo is the Permissioned money market protocol.

The purpose of using Artemis is DeFi users: anyone with an internet connection. And Apollo is Institutions, SMEs, Family Offices, Hedge Funds, etc: compliance conscious entities.

Asset Types

Artemis — More, Long tail ; Apollo — Fewer, Basic

KYC / Whitelisting Layer

***Artemis-***No ; ***Apollo-***Yes

Undercollateralised Loans?

***Artemis-***No ; ***Apollo-***Yes(where applicable)