Best of · BNB Chain · Updated Nov 6, 2026

The best Lending dApps on BNB Chain in 2026

We track 58 Lending dApps that run on BNB Chain and have reviewed 47 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 $15.8B+5.1%
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−0.5%
3
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 $283M+5.5%
4
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 $1.08B−6.6%
5
Gearbox
Lending · Ethereum, Etherlink, Monad +8
Gearbox is a credit protocol that lets users lend assets or borrow with up to 10x leverage through isolated credit accounts, and it is now pitching compliant credit for tokenised assets. It suits experienced DeFi users and institutions, not beginners.
Read the Gearbox review Visit Gearbox(opens in a new tab)
ScoreScore 7.4 out of 10
TVL $22.2M+1.4%
6
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 —
7
Lista Lending
Lending · BNB Chain, Ethereum
Lista Lending is a vault-based, peer-to-peer lending protocol from ListaDAO that runs on BNB Chain and Ethereum, with about $937 million in TVL. It is a sizable DeFi lending venue, but fee details are not published publicly reviewed.
Read the Lista Lending review Visit Lista Lending(opens in a new tab)
ScoreScore 7.0 out of 10
TVL $911M−2.9%
8
Venus Isolated Pools
Lending · BNB Chain, Ethereum, Arbitrum
Venus Isolated Pools are separate lending markets inside Venus Protocol, each with its own assets and risk settings. The design limits contagion, but TVL is small, at roughly 1.0 million USD.
Read the Venus Isolated Pools review Visit Venus Isolated Pools(opens in a new tab)
ScoreScore 7.0 out of 10
TVL $966K−3.4%
9
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 $687K−1.3%
10
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%
11
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 $861K−26.5%
12
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 $20.6M−20.3%
13
Flying Tulip Lend
Lending · Ethereum, Sonic, BNB Chain
Flying Tulip Lend is a lending market on Ethereum, Sonic and BNB Chain, part of a wider Flying Tulip system that combines lending, yield and trading. It holds roughly $9 million in TVL, and deposits are described as refundable and PUT-protected.
Read the Flying Tulip Lend review Visit Flying Tulip Lend(opens in a new tab)
ScoreScore 6.5 out of 10
TVL $11.2M+29.5%
14
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 —
15
Segment Finance
Lending · BOB, BNB Chain, BSquared +3
Segment Finance is a decentralized lending and borrowing protocol aimed at Superchain and BTCFi users across six chains. It is audited and has a bug bounty, but its TVL is small, so size and liquidity are the main caveats.
Read the Segment Finance review Visit Segment Finance(opens in a new tab)
ScoreScore 6.3 out of 10
TVL $306K−19.4%
16
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+82.2%
17
Unitus
Lending · Conflux, Ethereum, BNB Chain +4
Unitus is a multi-chain money market where users lend and borrow crypto, with about 6.3 million USD in TVL across seven chains. It is a smaller lending protocol, and details on rates and risk controls are thin.
Read the Unitus review Visit Unitus(opens in a new tab)
ScoreScore 6.0 out of 10
TVL $6.25M−0.4%
18
LayerBank
Lending · Robinhood Chain, Rsk, BOB +13
LayerBank is a permissionless money market that lets users lend and borrow crypto across many networks, formerly known as LineaBank. It has a broad chain footprint but modest TVL of about 5.4 million USD.
Read the LayerBank review Visit LayerBank(opens in a new tab)
ScoreScore 6.0 out of 10
TVL $5.36M−10.4%
19
Venus Flux
Lending · BNB Chain
Venus Flux is a lending product in the Venus ecosystem on BNB Chain that pools supplied assets into a unified liquidity layer. It is new and small by DefiLlama's TVL measure, and its docs flag exposure to Fluid's contracts.
Read the Venus Flux review Visit Venus Flux(opens in a new tab)
ScoreScore 6.0 out of 10
TVL $1.24M−19.1%
20
Flash Loans
Lending · Ethereum, BNB Chain
Flashloans.com provides a web app for building and executing flash-loan-funded DeFi trades, with analytics and membership features tied to FLASH staking. The exact fees and audit status are not published.
Read the Flash Loans review Visit Flash Loans(opens in a new tab)
ScoreScore 6.0 out of 10
TVL —
21
dForce Lending
Lending · Ethereum, BNB Chain, Optimism +5
dForce Lending is the money-market arm of the dForce DeFi suite, offering lending and borrowing on eight chains. It has a modest TVL of around $1 million and a security history that includes a past exploit.
Read the dForce Lending review Visit dForce Lending(opens in a new tab)
ScoreScore 5.8 out of 10
TVL $1.07M+4.7%
22
Teller
Lending · Base, Ethereum, Arbitrum +6
Teller is a DeFi lending protocol where users lend tokens such as USDC to earn yield and borrowers post long-tail crypto as collateral. TVL is under $1 million and no audits are listed, so treat it as a small, higher-risk venue.
Read the Teller review Visit Teller(opens in a new tab)
ScoreScore 5.8 out of 10
TVL $898K+4.5%
23
OmniBTC
Lending · Sui, Arbitrum, Base +5
OmniBTC is a cross-chain swap and lending platform listed across eight chains, with a small TVL of about 1.94 million USD and no audits listed. It suits cautious experimenters more than large depositors.
Read the OmniBTC review Visit OmniBTC(opens in a new tab)
ScoreScore 5.5 out of 10
TVL $1.88M−1.7%
24
Sumer.money
Lending · Berachain, Goat, Base +10
Sumer.money is a cross-chain lending and borrowing protocol that issues synthetic assets called suTokens. It is live on 13 chains but holds a small amount of value, so treat it as a niche, higher-risk DeFi venue.
Read the Sumer.money review Visit Sumer.money(opens in a new tab)
ScoreScore 5.5 out of 10
TVL $679K−0.8%
25
Tarot
Lending · Base, Optimism, Fantom +10
Tarot is a DeFi lending and leveraged yield protocol where users deposit LP tokens into auto-compounding vaults. It runs on many chains but holds a small amount of value, so the main caution is size and limited published detail.
Read the Tarot review Visit Tarot(opens in a new tab)
ScoreScore 5.5 out of 10
TVL $478K−6.0%

Lending dApps on BNB Chain: the numbers

Tracked: 58
Reviewed: 58
Total TVL: $29.1B
Avg. score: 5.7/10

DappsAtlas tracks 58 lending dApps on BNB Chain. Every one of them has a full review. Across the 41 with TVL data, the combined value locked is $29.1B, counting value on every chain they support. Aave V3 dominates, with 55% of that total. The five largest make up 100% of the total; the median is $687K.

Ranked by TVL, Aave V3 ($15.8B), Morpho Blue ($10.9B) and Venus Core Pool ($1.08B) lead the field. On DappsAtlas scores, Aave V3 ranks first at 8.6/10, ahead of Morpho Blue (8.0) and Euler V2 (8.0). That makes Aave V3 both the biggest and the best-rated. The 45 rated lending dApps average 5.7/10; 3 reach 8 or above.

Beyond BNB Chain, these lending dApps most often also run on Ethereum (32), Arbitrum (30) and Base (22). Of the 39 with a confirmed status, 36 are active and 3 are inactive or wound down. In the past week, total value locked rose 2.2%. Flying Tulip Lend gained the most (+29.5%), while Native Credit Pool dropped the most (−20.3%).

Largest by TVL

1Aave V3$15.8B
2Morpho Blue$10.9B
3Venus Core Pool$1.08B
4Lista Lending$911M
5Euler V2$283M

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

DeFi
Best Crypto Lending Platforms in 2026: 7 DeFi Picks
The best crypto lending platform depends on what you need to borrow, which assets you can use as collateral, and how much protocol risk you can accept. Compare leading DeFi markets and learn how to check rates, liquidation rules and security before you deposit.
DeFi
Aave Guide 2026: How the DeFi Lending Protocol Works
Aave is a non-custodial lending protocol where you can earn interest on crypto you deposit or borrow against your collateral. This guide explains how it works, what can go wrong, and how to use it with care in 2026.
DeFi
Aave in 2026: How the Lending Protocol Grew and What Comes Next
Aave is one of the longest-running lending markets in decentralised finance. This guide explains how it works, how it grew, what the AAVE token and GHO do, the risks to weigh, and how to follow its next version.
DeFi
ADALend on Cardano: Is It the Future of DeFi Lending?
ADALend is a lending protocol built on Cardano that has been promoted as the future of DeFi lending. This guide explains what it is, where that claim came from, and how to check its status and risks before you use any lending dApp.
DeFi
ADALend Review 2026: What the Cardano Lending Project Offers
ADALend was a Cardano lending project that drew attention in 2021 for putting idle assets to work. This guide sets out what the sources confirm, what they leave open, and how to check a lending protocol's current status and risks before depositing funds.
DeFi
BiFi and Next-Generation DeFi Lending: What Is Confirmed in 2026
Public public reporting do not confirm the details of a BiFi lending launch, so this guide separates what is documented about BIFI and Beefy Finance from what still needs an official source. It also explains how DeFi lending works and how to judge any new lending product before you deposit.

Frequently asked questions

What is the largest lending dApp on BNB Chain by TVL?

Aave V3 is the largest lending dApp on BNB Chain by total value locked, with $15.8B across all the chains it supports. It is followed by Morpho Blue ($10.9B) and Venus Core Pool ($1.08B). TVL figures come from DefiLlama and change daily.

Which lending dApp on BNB Chain has the highest DappsAtlas score?

Aave V3 has the highest score at 8.6/10, ahead of Morpho Blue (8.0) and Euler V2 (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 BNB Chain has DappsAtlas reviewed?

DappsAtlas tracks 58 lending dApps on BNB Chain. Of these, 58 have a full review and 41 report value locked, $29.1B in total, counting value on every chain they support.

Which lending dApps on BNB Chain grew the most this week?

Among lending dApps with at least $1M locked, Flying Tulip Lend had the biggest 7-day TVL gain (+29.5%) and Native Credit Pool the biggest drop (−20.3%). Combined TVL moved +2.2% over the same seven days.

What is the average score for lending dApps on BNB Chain?

The 45 rated lending dApps on BNB Chain average 5.7 out of 10. Of these, 3 score 8 or higher and 12 score below 5.

Ranked list