Best of · Cardano · Updated
The best Lending dApps on Cardano in 2026
We track 6 Lending dApps that run on Cardano and have reviewed 4 of them in full. Our top pick is Liqwid Finance. Each one is scored on security, ease of use, fees and features.
Ranked list
- 1
Liqwid Finance
Lending · Cardano
Liqwid Finance is a non-custodial lending and borrowing protocol on Cardano with its own LQ token. It suits Cardano holders who want yield, but audit and fee details should be checked first.
ScoreScore 6.5 out of 10TVL — - 2
Surf Lending
Lending · Cardano
Surf Lending is a pooled lending protocol on Cardano where users supply assets to earn interest or borrow against collateral. It is small and young, with two listed audits but few published risk parameters.
ScoreScore 6.3 out of 10TVL $2.86M−5.5% - 3
FluidTokens
Lending · Cardano
FluidTokens is a Cardano lending protocol with pooled markets where users lend tokens for interest or borrow against other tokens. Its TVL is small and no audits are listed, so treat it as a higher-risk niche venue.
ScoreScore 5.5 out of 10TVL $2.27M−9.4% - 4
Yamfore
Lending · Cardano
Yamfore is a non-custodial lending and borrowing protocol built for Cardano's eUTXO model. It has listed audits and a distinctive loan design, but its liquidity is small and key terms are unpublished.
ScoreScore 5.3 out of 10TVL $49.2K−5.1% - 5
Lenfi
Lending · Cardano
Lenfi is an open-source lending and borrowing protocol on Cardano, associated with the AADA token. Its basic purpose is clear, but current markets, fees and security details are not established.
ScoreNot rated yetTVL $123K−5.4% - 6
Meld
Lending · Cardano
Meld is described as a Cardano lending protocol for crypto and fiat, with MELD token staking. Current availability and key details such as fees and audit status are unclear.
ScoreNot rated yetTVL $0
Lending dApps on Cardano: the numbers
- Tracked
- 6
- Reviewed
- 6
- Total TVL
- $5.31M
- Avg. score
- 5.9/10
DappsAtlas tracks 6 lending dApps on Cardano. Every one of them has a full review. The 4 that report TVL hold $5.31M between them, counting value on every chain they support. Surf Lending dominates, with 54% of that total.
Ranked by TVL, Surf Lending ($2.86M), FluidTokens ($2.27M) and Lenfi ($123K) lead the field. The best-rated is Liqwid Finance with 6.5/10, followed by Surf Lending (6.3) and FluidTokens (5.5). The 4 rated lending dApps average 5.9/10, and none scores 8 or above yet.
All 4 with a confirmed status are active. In the past week, total value locked fell 7.2%. FluidTokens dropped the most (−9.4%).
Largest by TVL
- 1
Surf Lending$2.86M
- 2
FluidTokens$2.27M
- 3
Lenfi$123K
- 4
Yamfore$49.2K
Highest rated
- 1Liqwid Finance6.5
- 2
- 3
- 4
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
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Frequently asked questions
What is the largest lending dApp on Cardano by TVL?
Surf Lending is the largest lending dApp on Cardano by total value locked, with $2.86M across all the chains it supports. It is followed by FluidTokens ($2.27M) and Lenfi ($123K). TVL figures come from DefiLlama and change daily.
Which lending dApp on Cardano has the highest DappsAtlas score?
Liqwid Finance has the highest score at 6.5/10, ahead of Surf Lending (6.3) and FluidTokens (5.5). Scores weigh security, ease of use, fees and features, and are based only on facts we could verify.
How many lending dApps on Cardano has DappsAtlas reviewed?
DappsAtlas tracks 6 lending dApps on Cardano. Of these, 6 have a full review and 4 report value locked, $5.31M in total, counting value on every chain they support.
Which lending dApps on Cardano grew the most this week?
Among lending dApps with at least $1M locked, FluidTokens the biggest drop (−9.4%). Combined TVL moved −7.2% over the same seven days.
What is the average score for lending dApps on Cardano?
The 4 rated lending dApps on Cardano average 5.9 out of 10. Of these, 0 score 8 or higher and 0 score below 5.