# Differences between Artemis and Apollo

By [Bohdan](https://paragraph.com/@bohdan) · 2022-09-05

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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)

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*Originally published on [Bohdan](https://paragraph.com/@bohdan/differences-between-artemis-and-apollo)*