Best of · Base · Updated Nov 5, 2026

The best Lending dApps on Base in 2026

We track 58 Lending dApps that run on Base and have reviewed 53 of them in full. Our top pick is Aave V3. Each one is scored on security, ease of use, fees and features.

1
Aave V3
Lending · Ethereum, Base, Arbitrum +18
Aave V3 is a non-custodial lending protocol where users earn interest on deposits or borrow against collateral, live on 21 chains with about $16B in TVL. It is a long-running, widely used venue, but borrowing carries liquidation and smart-contract risk.
Read the Aave V3 review Visit Aave V3(opens in a new tab)
ScoreScore 8.6 out of 10
TVL $15.1B+1.9%
2
Morpho Blue
Lending · Ethereum, Base, Robinhood Chain +41
Morpho Blue is a permissionless lending primitive with about $11.4 billion in TVL on DefiLlama, accessed mainly through curated vaults. It suits users who can assess curator and smart-contract risk themselves.
Read the Morpho Blue review Visit Morpho Blue(opens in a new tab)
ScoreScore 8.0 out of 10
TVL $10.9B+4.0%
3
Compound V3
Lending · Ethereum, Arbitrum, Base +7
Compound V3 is an on-chain lending protocol where users supply a base asset to earn yield or post collateral to borrow it. It has about $1.34B in TVL across ten chains, but borrowers face liquidation risk.
Read the Compound V3 review Visit Compound V3(opens in a new tab)
ScoreScore 8.0 out of 10
TVL $1.25B−3.3%
4
Euler V2
Lending · Monad, Ethereum, Base +13
Euler V2 is a modular lending protocol where anyone can launch a lending market, listed on DefiLlama with about $268 million in TVL across 16 chains. Its strengths are its security work and flexibility. Risk varies by market.
Read the Euler V2 review Visit Euler V2(opens in a new tab)
ScoreScore 8.0 out of 10
TVL $264M−1.8%
5
Morpho
Lending · Ethereum, Base
Morpho is a decentralized lending protocol on Ethereum and other EVM networks built around isolated, permissionless markets and curated vaults. It suits users comfortable judging risk parameters, and the main caveat is that risk is pushed to the market and vault level.
Read the Morpho review
ScoreScore 8.0 out of 10
TVL —
6
Aave V4
Lending · Ethereum, Arc, Avalanche +1
Aave V4 is a modular lending protocol built on a hub-and-spoke design, with about $808M in TVL on DefiLlama. It extends a long-running lending brand, but V4 itself is new.
Read the Aave V4 review Visit Aave V4(opens in a new tab)
ScoreScore 7.8 out of 10
TVL $765M+16.5%
7
Venus Core Pool
Lending · BNB Chain, Ethereum, Arbitrum +5
Venus Core Pool is a decentralized money market where users supply crypto to earn interest or borrow against collateral, with about $1.18 billion in TVL across eight networks. It is established and widely used, but it carries normal DeFi lending risks.
Read the Venus Core Pool review Visit Venus Core Pool(opens in a new tab)
ScoreScore 7.6 out of 10
TVL $1.07B−8.5%
8
Fluid Lending
Lending · Ethereum, Arbitrum, Plasma +2
Fluid, built by Instadapp, combines lending and a DEX on one liquidity layer and holds about $634 million in TVL across five chains. Its design is distinctive, but audit details and rates need checking on the site.
Read the Fluid Lending review Visit Fluid Lending(opens in a new tab)
ScoreScore 7.5 out of 10
TVL $611M−0.4%
9
Venus Protocol
Lending · BNB Chain, Ethereum, Arbitrum +1
Venus is a money market on BNB Chain, with deployments also referenced on Ethereum, Arbitrum and Base, where users supply assets to earn interest or borrow against collateral. It has a long track record and active governance, but a reported March 2026 exploit is a reminder of smart-contract risk.
Read the Venus Protocol review Visit Venus Protocol(opens in a new tab)
ScoreScore 7.4 out of 10
TVL —
10
Mystic Finance Lending
Lending · Flare, Citrea, Plume +2
Mystic Finance is a modular lending market built on Morpho that lets users supply, borrow, stake and swap, with a focus on tokenized real-world assets. It has meaningful deposits, but its risk depends heavily on curators and RWA collateral.
Read the Mystic Finance Lending review Visit Mystic Finance Lending(opens in a new tab)
ScoreScore 7.3 out of 10
TVL $31.8M+2.8%
11
Moonwell Lending
Lending · Base, Ethereum, Optimism +1
Moonwell is an open lending and borrowing protocol on Base, Optimism, Ethereum and Moonbeam, with its own WELL token. DefiLlama lists about 9.1 million USD in TVL, so it is a modest-sized market with two audits listed.
Read the Moonwell Lending review Visit Moonwell Lending(opens in a new tab)
ScoreScore 7.0 out of 10
TVL $8.45M−5.0%
12
40 Acres
Lending · Avalanche, Base, Optimism
40 Acres is a DeFi lending platform that lets holders of vote-escrowed DEX NFTs borrow USDC against their future rewards, with no recurring interest and no liquidations. It is a niche product with a clear mechanism, but it depends heavily on a few DEX ecosystems.
Read the 40 Acres review Visit 40 Acres(opens in a new tab)
ScoreScore 7.0 out of 10
TVL $2.29M−14.4%
13
TermMax
Lending · Ethereum, Berachain, BNB Chain +6
TermMax is a DeFi lending protocol offering fixed-rate borrowing and lending with set maturity dates, plus curator-run vaults. It has a visible security stack, but TVL is small.
Read the TermMax review Visit TermMax(opens in a new tab)
ScoreScore 7.0 out of 10
TVL $693K−0.8%
14
Capyfi
Lending · Ethereum, Base, World Chain
Capyfi is a Compound v2-style lending and borrowing protocol aimed at users in Latin America, with about 7.7 million USD in TVL. It is simple and focused, but small and light on published detail.
Read the Capyfi review Visit Capyfi(opens in a new tab)
ScoreScore 6.8 out of 10
TVL $7.26M+8.6%
15
Revert Lend
Lending · Base, Arbitrum, Ethereum
Revert Lend is a lending market from Revert Finance that lets Uniswap v3 liquidity providers borrow against their positions. It is a niche product with modest TVL and a clear use case.
Read the Revert Lend review Visit Revert Lend(opens in a new tab)
ScoreScore 6.8 out of 10
TVL $6.66M+9.9%
16
TermFinance Lend
Lending · Ethereum, Arbitrum, Plasma +2
Term Finance is a DeFi protocol that sets fixed-rate, fixed-term crypto loans through weekly on-chain auctions. It suits users who want predictable rates, but its TVL is small and funds are locked until maturity.
Read the TermFinance Lend review Visit TermFinance Lend(opens in a new tab)
ScoreScore 6.8 out of 10
TVL $3.40M−2.9%
17
TermFinance Vaults
Lending · Avalanche, Ethereum, Plasma +3
TermFinance Vaults is the lender-facing side of Term Finance, a protocol that sets fixed rates for crypto-backed loans through on-chain auctions. It is a niche, small-TVL product that suits users who want predictable rates rather than variable pool yields.
Read the TermFinance Vaults review Visit TermFinance Vaults(opens in a new tab)
ScoreScore 6.8 out of 10
TVL $1.67M+0.3%
18
Avalon Finance
Lending · IoTeX, BNB Chain, Bitlayer +18
Avalon Finance, run by Avalon Labs, is a Bitcoin-focused lending protocol with on-chain markets and a CeDeFi credit line. Its marketing numbers are large, but DefiLlama shows a small current TVL of about $1.14M.
Read the Avalon Finance review Visit Avalon Finance(opens in a new tab)
ScoreScore 6.8 out of 10
TVL $898K−23.3%
19
Native Credit Pool
Lending · Morph, Ethereum, BNB Chain +4
Native Credit Pool is a single-sided lending pool where liquidity providers supply assets that market makers borrow to quote prices on Native's on-chain order book. It is a specialised lending product, tied to Native's trading stack, with no published audit list or fee table.
Read the Native Credit Pool review Visit Native Credit Pool(opens in a new tab)
ScoreScore 6.5 out of 10
TVL $20.5M−21.1%
20
Extra Finance Xlend
Lending · Base, Optimism
Extra Finance Xlend is a lending and borrowing protocol on Base and Optimism that adds multi-account management and an efficiency mode for correlated assets. It is small by TVL, so check rates, incentives and audits before depositing.
Read the Extra Finance Xlend review Visit Extra Finance Xlend(opens in a new tab)
ScoreScore 6.5 out of 10
TVL $1.21M−8.2%
21
MortgageFi
Lending · Base, Arbitrum, Ethereum
MortgageFi is a small on-chain lending protocol that offers fixed-term, mortgage-style loans on Bitcoin and Ethereum with no price-based liquidations. The idea is distinctive, but the pools are small and the risk shifts to lenders.
Read the MortgageFi review Visit MortgageFi(opens in a new tab)
ScoreScore 6.5 out of 10
TVL $923K−3.4%
22
Townsquare
Lending · BNB Chain, Base, Monad
TownSquare is a cross-chain, non-custodial lending protocol that also originates and curates tokenized private credit. It suits users who want RWA yield and accept the added credit and counterparty risk.
Read the Townsquare review Visit Townsquare(opens in a new tab)
ScoreScore 6.4 out of 10
TVL —
23
Seamless V2
Lending · Ethereum, Base
Seamless V2 is a non-custodial lending market on Ethereum and Base where users supply assets to earn yield or borrow against collateral. It holds around 6.6 million USD in deposits, and the main caveat is how little detail is published about its V2 parameters.
Read the Seamless V2 review
ScoreScore 6.3 out of 10
TVL $6.07M−0.1%
24
PWN
Lending · Polygon, Ethereum, Arbitrum +9
PWN is a peer-to-peer, oracle-less lending protocol where users set their own loan terms against almost any collateral. Its design avoids price liquidations, but current on-chain TVL is very small.
Read the PWN review Visit PWN(opens in a new tab)
ScoreScore 6.3 out of 10
TVL $21.1K−1.6%
25
Impermax V2
Lending · Polygon, Ethereum, Base +12
Impermax V2 is a permissionless lending protocol where liquidity providers borrow against their LP tokens to run leveraged yield farms. It is a niche, higher-risk tool with a small current TVL.
Read the Impermax V2 review Visit Impermax V2(opens in a new tab)
ScoreScore 6.2 out of 10
TVL $514K−1.4%

Lending dApps on Base: the numbers

Tracked: 58
Reviewed: 58
Total TVL: $30.0B
Avg. score: 6.0/10

DappsAtlas tracks 58 lending dApps on Base. Every one of them has a full review. Across the 50 with TVL data, the combined value locked is $30.0B, counting value on every chain they support. Aave V3 dominates, with 50% of that total. The five largest make up 97% of the total; the median is $680K.

By value locked, the largest lending dApps on Base are Aave V3 ($15.1B), Morpho Blue ($10.9B) and Compound V3 ($1.25B). The best-rated is Aave V3 with 8.6/10, followed by Morpho Blue (8.0) and Compound V3 (8.0). That makes Aave V3 both the biggest and the best-rated. The 50 rated lending dApps average 6.0/10; 5 reach 8 or above.

Beyond Base, these lending dApps most often also run on Ethereum (43), Arbitrum (36) and BNB Chain (22). Of the 49 with a confirmed status, 43 are active and 6 are inactive or wound down. Over the last seven days, combined TVL rose 2.2%. Aave V4 gained the most (+16.5%), while Native Credit Pool dropped the most (−21.1%).

Largest by TVL

1Aave V3$15.1B
2Morpho Blue$10.9B
3Compound V3$1.25B
4Venus Core Pool$1.07B
5Aave V4$765M

Highest rated

Method

How we ranked them

Reviewed dApps come first. Each DappsAtlas review scores security, ease of use, fees and features from 0 to 10 using public facts such as audits, documentation and on-chain data; the overall score orders the list, with total value locked as the tie-breaker. Projects we have not reviewed yet follow, ordered by total value locked. Scores are never sold.

Guides

Related guides

All guides

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Frequently asked questions

What is the largest lending dApp on Base by TVL?

Aave V3 is the largest lending dApp on Base by total value locked, with $15.1B across all the chains it supports. It is followed by Morpho Blue ($10.9B) and Compound V3 ($1.25B). TVL figures come from DefiLlama and change daily.

Which lending dApp on Base has the highest DappsAtlas score?

Aave V3 has the highest score at 8.6/10, ahead of Morpho Blue (8.0) and Compound V3 (8.0). Scores weigh security, ease of use, fees and features, and are based only on facts we could verify.

How many lending dApps on Base has DappsAtlas reviewed?

DappsAtlas tracks 58 lending dApps on Base. Of these, 58 have a full review and 50 report value locked, $30.0B in total, counting value on every chain they support.

Which lending dApps on Base grew the most this week?

Among lending dApps with at least $1M locked, Aave V4 had the biggest 7-day TVL gain (+16.5%) and Native Credit Pool the biggest drop (−21.1%). Combined TVL moved +2.2% over the same seven days.

What is the average score for lending dApps on Base?

The 50 rated lending dApps on Base average 6.0 out of 10. Of these, 5 score 8 or higher and 9 score below 5.

Ranked list