Editorial Policy

This page describes how Lend Ledger produces its coverage, what its scores mean, who is accountable for them, and how commercial support is disclosed. It is meant to be read, not skimmed.

How we assess lending venues

We assess mechanics and disclosure: how collateral is held, where liquidation thresholds sit, whether a rate is fixed or discretionary, who the counterparty actually is, and what an insurance claim would and would not cover. Advertised yields are always described as advertised and as variable. We hold no positions, we publish no price views, and nothing here is a recommendation to deposit anything anywhere.

What our scores mean

Scores run 0–10 and grade risk disclosure, collateral mechanics and operational transparency — never expected return. A high score means a venue explains its risks unusually well, not that depositing there is wise. No score is a recommendation, and none can be bought.

Disclosure

Lend Ledger is a commercially supported publication. Posts containing affiliate links, and posts that are sponsored, carry a disclosure with the post. Sponsored and affiliate links are marked rel="sponsored" in the page's code. Sponsors never see, edit or approve editorial copy before publication, and no score can be bought — see the advertising page for what is and is not for sale.

Bylines

Lend Ledger publishes under house bylines maintained by the editorial team. Yusuf Karim, the editor's byline on our reviews, is a disclosed house pen name — the accountable editorial identity for everything published under it, in the tradition of publications that write under a house name rather than inventing biographies. News runs under “Staff, Lend Ledger.” There is no invented journalist behind any byline on this site.

What this publication is not

Lend Ledger is a publisher. We are not a lender, a platform, a broker or an adviser, we hold no positions in anything we cover, and nothing here is financial advice. Crypto lending can lose an entire deposit through counterparty failure, liquidation or a smart-contract exploit, and no amount of good disclosure changes that.

Corrections

If we have published an error — a figure, a date, a term, a price — we want to know. Reach the editorial desk via the contact page and say “correction” in the first line; that queue moves fastest. We correct promptly and note material corrections in the post.