Performances
RD Popularity Index
RD Growth Index
| 1h | 24h | 7d | 30d | 60d | 90d |
|---|---|---|---|---|---|
| 0.81% | 4.57% | 25.29% | 42.00% | 65.32% | 65.32% |
Comparison
Top Holders
| Address | Token | Quantity | Percentage | Value |
|---|---|---|---|---|
| 0x1088...aa74 |   DEBIT | 82,780,000 | 82.78% | $115.05M |
| 0xfb02...8960 | DEBIT | 3,000,000 | 3% | $4.16M |
| 0xdaec...f133 | DEBIT | 3,000,000 | 3% | $4.16M |
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About Teller
Teller is a decentralized lending protocol built on Ethereum that offers a novel loan structure: perpetual loans without liquidations. Borrowers can use assets like BTC, ETH, or community tokens as collateral, and loans continue indefinitely as long as interest is paid at 30-day rollover checkpoints. If a payment is missed, the collateral is auctioned on-chain. This removes the risk of forced liquidation from price volatility, which is a core pain point in traditional DeFi lending.
Teller's key differentiator is its credit scoring system. It evaluates a wallet's on-chain history—swap volume, repayment behavior, asset holdings—to generate a score from 0 to 1000. This enables unsecured borrowing for users with thin traditional credit files, while lenders still get underwriting signals. The platform also supports single-sided lending pools, where lenders deposit one asset (e.g., USDC) and earn yield from borrower interest without impermanent loss.
In the past six months (March to September 2026), Teller has focused on expanding its credit score documentation and clarifying its loan mechanics. It published guides on how the on-chain score works and how perpetual loans avoid liquidations. The protocol also launched its native token in August 2026, which serves as the ecosystem's utility token. However, the token's distribution details and specific utility mechanisms have not been fully disclosed. Teller's total value locked remains modest at around $1.2 million, significantly lower than its cumulative historical figures, indicating a gap between past activity and current on-chain usage.
Major development milestones:
Founded by Ryan Berkun in 2019-2020, initially exploring on-chain credit data and unsecured lending.
July 2020: $1M seed round led by Framework Ventures.
February 2022: $6.85M strategic round led by Blockchain Capital, with participation from Franklin Templeton, Toyota Ventures, etc.
Product shifted from algorithmic credit risk to a no-liquidation, time-based loan model with isolated pools and single-asset exposure.
2023-2024: Multi-chain deployment and expanded long-tail asset support.
2025: Launched perpetual no-liquidation lending primitive, single-sided yield pools, Uniswap integration, and expanded to Base, Arbitrum, Hyperliquid, XDC, etc.
August 26, 2026: Binance Alpha listed DEBIT token as the first public trading venue, with airdrop.
Positive: On Aug 26, Binance Alpha launched DEBIT with an airdrop; Bitget and KuCoin opened trading the same day. Debit AI automation layer launched, shifting token utility from governance to AI agent service access, directly tying demand to usage. New collateral assets (EGG, MarsCoin, Basecat) added, surpassing 100 supported assets across 9 chains. Cumulative loans exceeded $80M with $1.5M+ yield. ShapeShift integration enabled in-app cross-chain swaps.
Negative: Token allocation, unlock schedule, and utility details remain undisclosed. Current on-chain TVL is only ~$1.2M with ~$167K active loans, a significant gap versus cumulative figures. Full platform features are expected in September, creating an expectation-first market structure.
Based on the provided information, the co-founders and current core executives of Teller include:
- Ryan Berkun: Founder & CEO
- Ivan Perez: Co-Founder & COO
- Christopher Lee: Co-Founder & Head of Growth
Other team members mentioned (e.g., Alice Henshaw, Benjamin Noble, Esteban Fuentealba Fernandez, Noah Passalacqua, Gregory Wong) are not explicitly identified as co-founders or core executives in the given context. Their roles appear to be technical or advisory. No additional co-founders or C-level executives were confirmed from the available data.