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Best of · xDai · Updated

The best Lending dApps on xDai in 2026

We track 7 Lending dApps that run on xDai and have reviewed 6 of them in full. Our top pick is Aave V3. Each one is scored on security, ease of use, fees and features.

Ranked list

  1. 1
    Aave V3 logo

    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 reviewVisit Aave V3(opens in a new tab)
    ScoreScore 8.6 out of 10
    TVL $15.8B+5.1%
  2. 2
    Morpho Blue logo

    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 reviewVisit Morpho Blue(opens in a new tab)
    ScoreScore 8.0 out of 10
    TVL $10.9B−0.5%
  3. 3
    SparkLend logo

    SparkLend

    Lending · Ethereum, xDai

    SparkLend is a large stablecoin lending market on Ethereum and Gnosis that uses governance-set rates backed by Sky's Liquidity Layer. Its scale is the main draw, though rates and risk depend on governance and the wider Sky system.

    Read the SparkLend reviewVisit SparkLend(opens in a new tab)
    ScoreScore 8.0 out of 10
    TVL $5.04B−0.8%
  4. 4
    PWN logo

    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 reviewVisit PWN(opens in a new tab)
    ScoreScore 6.3 out of 10
    TVL $21.1K+82.2%
  5. 5
    Agave logo

    Agave

    Lending · xDai

    Agave is an Aave-derived lending market on Gnosis where users can supply assets to earn yield or borrow against collateral. Its basic purpose is clear, but fees, supported markets and audit details are not published.

    Read the Agave reviewVisit Agave(opens in a new tab)
    ScoreScore 5.0 out of 10
    TVL $85.2K+0.7%
  6. 6
    Hundred Finance logo

    Hundred Finance

    Lending · Arbitrum, Fantom, Polygon +5

    Hundred Finance is a multi-chain lending and borrowing protocol forked from Compound V2. A roughly $7.4 million exploit in 2023 and a tiny remaining TVL make it a high-risk place to deposit funds.

    Read the Hundred Finance review
    ScoreScore 3.0 out of 10
    TVL $66.7K+0.6%
  7. 7
    Augmented Finance logo

    Augmented Finance

    Lending · Avalanche, Ethereum, BNB Chain +1

    Augmented Finance is described as an AI-enabled DeFi lending protocol for borrowing and lending digital assets. Its current markets, terms and operating status are unclear, so verify the protocol carefully before considering a deposit.

    Read the Augmented Finance review
    ScoreNot rated yet
    TVL —

Lending dApps on xDai: the numbers

Tracked
7
Reviewed
7
Total TVL
$31.7B
Avg. score
6.5/10

The DappsAtlas index lists 7 lending dApps on xDai. Every one of them has a full review. The 6 that report TVL hold $31.7B between them, counting value on every chain they support. Aave V3 is the clear leader, holding 50% of it. The top five account for 100%, while the median lending dApp holds $85.2K.

By value locked, the largest lending dApps on xDai are Aave V3 ($15.8B), Morpho Blue ($10.9B) and SparkLend ($5.04B). On DappsAtlas scores, Aave V3 ranks first at 8.6/10, ahead of Morpho Blue (8.0) and SparkLend (8.0). That makes Aave V3 both the biggest and the best-rated. The 6 rated lending dApps average 6.5/10; 3 reach 8 or above.

Many also deploy elsewhere, most often on Ethereum (6), Arbitrum (4) and BNB Chain (4). All 4 with a confirmed status are active. In the past week, total value locked rose 2.2%. Aave V3 gained the most (+5.1%), while SparkLend dropped the most (−0.8%).

Largest by TVL

  1. 1Aave V3 logoAave V3$15.8B
  2. 2Morpho Blue logoMorpho Blue$10.9B
  3. 3SparkLend logoSparkLend$5.04B
  4. 4Agave logoAgave$85.2K
  5. 5Hundred Finance logoHundred Finance$66.7K

Highest rated

  1. 1Aave V3 logoAave V38.6
  2. 2Morpho Blue logoMorpho Blue8.0
  3. 3SparkLend logoSparkLend8.0
  4. 4PWN logoPWN6.3
  5. 5Agave logoAgave5.0

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 xDai by TVL?

Aave V3 is the largest lending dApp on xDai by total value locked, with $15.8B across all the chains it supports. It is followed by Morpho Blue ($10.9B) and SparkLend ($5.04B). TVL figures come from DefiLlama and change daily.

Which lending dApp on xDai has the highest DappsAtlas score?

Aave V3 has the highest score at 8.6/10, ahead of Morpho Blue (8.0) and SparkLend (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 xDai has DappsAtlas reviewed?

DappsAtlas tracks 7 lending dApps on xDai. Of these, 7 have a full review and 6 report value locked, $31.7B in total, counting value on every chain they support.

Which lending dApps on xDai grew the most this week?

Among lending dApps with at least $1M locked, Aave V3 had the biggest 7-day TVL gain (+5.1%) and SparkLend the biggest drop (−0.8%). Combined TVL moved +2.2% over the same seven days.

What is the average score for lending dApps on xDai?

The 6 rated lending dApps on xDai average 6.5 out of 10. Of these, 3 score 8 or higher and 1 score below 5.