### What is Cream?

Cream Finance is a decentralised lending platform that offers financial services to a diverse range of users, from individuals to large institutions. It operates on smart contracts across multiple blockchains, including Ethereum, Binance Smart Chain, Polygon, and Fantom  .

### How does Cream work?

Cream Finance functions as a decentralised protocol for lending and borrowing cryptocurrencies. It eliminates traditional intermediaries by leveraging blockchain technology to create a secure and efficient financial environment. The platform uses smart contracts, primarily coded in Solidity, to automate lending, borrowing, and liquidity provision services. Interest rates on the platform are dynamically adjusted based on supply and demand, and CREAM token holders can participate in governance decisions  .

### What are the potential use cases for Cream?

Cream Finance provides multiple use cases in the decentralised finance (DeFi) ecosystem, such as:

- Offering decentralised lending and borrowing services
- Facilitation of liquidity mining and yield farming
- Enabling governance through voting on asset listings and removals
- Providing cross-platform integration for improved liquidity and functionality
- Supporting flash loans, which can be used for liquidations, collateral swaps, and interest rate swaps .

### What is the history of Cream?

The decentralised lending platform Cream Finance was launched in 2020. However, it's important to distinguish this from Creamfinance LLC, a traditional finance company founded in 2012 in Latvia. Cream Finance's journey as a DeFi platform includes launching on the Binance Smart Chain and forming partnerships within the Yearn.finance ecosystem. It has expanded to multiple blockchains to enhance liquidity and functionality  .

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