Crypto Rules Everything Around Me C.R.E.A.M. Finance is a decentralized lending protocol for individuals, institutions, and protocols to access financial services. Part of the yearn finance ecosystem, it is a permissionless, open source, and blockchain-agnostic protocol serving users on Ethereum, BNB Chain, Polygon, and Fantom. Users passively holding ETH or wBTC can deposit their assets on C.R.E.A.M. to earn yield, similar to a traditional savings account.