C.R.E.A.M Finance stands as a decentralized DeFi lending protocol, catering to individuals, institutions, and protocols seeking access to financial services. Integral to the yearn.finance ecosystem, C.R.E.A.M. Finance operates as a permissionless, open-source protocol, accommodating users across Ethereum, Binance Smart Chain, Polygon, and Fantom networks. Passive holders of Ether or wBTC can leverage C.R.E.A.M. to deposit their assets and accrue yield, akin to traditional savings accounts. Detailed information is available at https://app.cream.finance/. The genesis of the C.R.E.A.M. Finance protocol traces back to its inception as a fork of Compound Finance. Emphasizing openness, permissionlessness, and blockchain-agnosticism, C.R.E.A.M. Finance extends yield farming rewards to users, fostering inclusive network development. Launched unexpectedly on Ethereum's network via the YOLO liquidity pool on August 3, 2020, the project swiftly expanded its reach to the Binance Smart Chain in September 2020. Empowering users to lend, borrow, stake assets, and participate in network governance, the CREAM token enables voting on asset support or delisting, facilitating active engagement within the ecosystem.