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Best of · Kaia · Updated

The best Lending dApps on Kaia in 2026

We track 5 Lending dApps that run on Kaia and have reviewed 5 of them in full. Our top pick is Morpho Blue. Each one is scored on security, ease of use, fees and features.

Ranked list

  1. 1
    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%
  2. 2
    Avalon Finance logo

    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 reviewVisit Avalon Finance(opens in a new tab)
    ScoreScore 6.8 out of 10
    TVL $861K−26.5%
  3. 3
    Shoebill V2 logo

    Shoebill V2

    Lending · Manta, Mode, Wemix +7

    Shoebill V2 is a lending protocol built around liquid staking tokens, letting users deposit them as collateral and borrow against them to lever up staking yield. It is a niche, small-scale protocol spread across many smaller chains.

    Read the Shoebill V2 reviewVisit Shoebill V2(opens in a new tab)
    ScoreScore 5.5 out of 10
    TVL $192K−0.3%
  4. 4
    Mesher logo

    Mesher

    Lending · Ethereum, Kaia

    Mesher is a money market protocol on Ethereum and Kaia that also aims to act as an oracle for Korea's digital asset market. Its TVL is small and public detail is limited, so treat it as a niche, early-scale lending project.

    Read the Mesher reviewVisit Mesher(opens in a new tab)
    ScoreScore 5.2 out of 10
    TVL $242K−0.3%
  5. 5
    Rhombus Protocol logo

    Rhombus Protocol

    Lending · Kaia

    Rhombus Protocol is an open-source, non-custodial lending protocol on Kaia where users can supply assets or borrow at variable or stable rates. Its market details, fees and audit reports are not clearly published, so review the terms for each market before committing funds.

    Read the Rhombus Protocol reviewVisit Rhombus Protocol(opens in a new tab)
    ScoreScore 5.0 out of 10
    TVL $1.17K−2.3%

Lending dApps on Kaia: the numbers

Tracked
5
Reviewed
5
Total TVL
$10.9B
Avg. score
6.1/10

There are 5 lending dApps on Kaia in the DappsAtlas index. Every one of them has a full review. Combined, they lock $10.9B, counting value on every chain they support. Morpho Blue dominates, with 100% of that total.

Ranked by TVL, Morpho Blue ($10.9B), Avalon Finance ($861K) and Mesher ($242K) lead the field. The best-rated is Morpho Blue with 8.0/10, followed by Avalon Finance (6.8) and Shoebill V2 (5.5). That makes Morpho Blue both the biggest and the best-rated. Across the 5 rated lending dApps, the average score is 6.1/10 and 1 score 8 or higher.

Many also deploy elsewhere, most often on Ethereum (3), Mode (3) and Base (2). All 5 with a confirmed status are active. Over the last seven days, combined TVL was roughly flat (−0.5%).

Largest by TVL

  1. 1Morpho Blue logoMorpho Blue$10.9B
  2. 2Avalon Finance logoAvalon Finance$861K
  3. 3Mesher logoMesher$242K
  4. 4Shoebill V2 logoShoebill V2$192K
  5. 5Rhombus Protocol logoRhombus Protocol$1.17K

Highest rated

  1. 1Morpho Blue logoMorpho Blue8.0
  2. 2Avalon Finance logoAvalon Finance6.8
  3. 3Shoebill V2 logoShoebill V25.5
  4. 4Mesher logoMesher5.2
  5. 5Rhombus Protocol logoRhombus Protocol5.0

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

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Frequently asked questions

What is the largest lending dApp on Kaia by TVL?

Morpho Blue is the largest lending dApp on Kaia by total value locked, with $10.9B across all the chains it supports. It is followed by Avalon Finance ($861K) and Mesher ($242K). TVL figures come from DefiLlama and change daily.

Which lending dApp on Kaia has the highest DappsAtlas score?

Morpho Blue has the highest score at 8.0/10, ahead of Avalon Finance (6.8) and Shoebill V2 (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 Kaia has DappsAtlas reviewed?

DappsAtlas tracks 5 lending dApps on Kaia. Of these, 5 have a full review and 5 report value locked, $10.9B in total, counting value on every chain they support.

Which lending dApps on Kaia grew the most this week?

Among lending dApps with at least $1M locked, . Combined TVL moved −0.5% over the same seven days.

What is the average score for lending dApps on Kaia?

The 5 rated lending dApps on Kaia average 6.1 out of 10. Of these, 1 score 8 or higher and 0 score below 5.