Maple Finance

Maple Finance is an on-chain lending platform where institutional borrowers take over-collateralized loans from pools run by credit managers. Its Syrup products (syrupUSDC, syrupUSDT) let lenders earn that yield through a liquid token, while Maple's institutional pools require KYC and an allowlisted wallet.

Rating A: No technical restriction found (terms written only in the ToS are not counted). Lending / institutional credit · Ethereum, Base, Arbitrum.

Official app: app.maple.finance. Frontend code: closed.

Restrictions

• Geo Block: ToS only. Interface Terms allow IP-based geofencing of Prohibited Persons; not verified live.
• Feature Block: ToS only. syrupUSDC, syrupUSDT and syrupUSDG are not available to residents, citizens or tax residents of 34 restricted jurisdictions (incl. the US and Australia) or to anyone accessing from them.
• Wallet screening: ToS only. Prohibited Persons on US, EU and UK sanctions lists are excluded by the Interface Terms.
• VPN / Tor detection: n/a.
• KYC / allowlist: no. syrupUSDC/syrupUSDT: no KYC, users self-certify eligibility. Maple's institutional pools (a separate product) require KYC and a wallet on Maple's Global Allowlist.
• Terms of Service: docs.maple.finance/legal/interface-terms-of-use-syrupusdc-and-syrupusdt, Last updated unknown. 34 restricted jurisdictions incl. United States, Australia, Russia, Belarus, Iran, North Korea, Venezuela, occupied regions of Ukraine, Abkhazia, South Ossetia, Northern Cyprus.

Notes

Closed frontend. syrupUSDC/syrupUSDT are standard vault tokens that can be deposited through the contracts; the jurisdiction rules are contractual (Terms), not observed in code.

Evidence

• docs.maple.finance/legal/syrupusdc-and-syrupusdt-available-jurisdictions
• docs.maple.finance/legal/interface-terms-of-use-syrupusdc-and-syrupusdt
• docs.maple.finance/legal/syrupusdc-and-syrupusdt-risks
• maplefinance.gitbook.io/maple/maple-for-lenders/lending

Checked 2026-10-10. All interfaces · Methodology