Best of · Linea · Updated Nov 6, 2026

The best Lending dApps on Linea in 2026

We track 15 Lending dApps that run on Linea and have reviewed 13 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
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 $1.26B−2.3%
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 $283M+5.5%
5
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%
6
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−1.5%
7
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%
8
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%
9
Mendi
Lending · Linea
Mendi Finance is a decentralized lending and borrowing protocol on the Linea network, with token incentives added on top of its money markets. Public material on fees, audits and the team is thin, so treat it as a higher-risk DeFi position rather than a savings product.
Read the Mendi review
ScoreScore 5.5 out of 10
TVL —
10
Abracadabra Money
Lending · Linea
Abracadabra Money is a DeFi lending protocol where users post interest-bearing tokens as collateral to borrow MIM, a stablecoin it issues. It is mainly relevant to experienced DeFi users who understand its collateral model and its record of exploits.
Read the Abracadabra Money review Visit Abracadabra Money(opens in a new tab)
ScoreScore 3.5 out of 10
TVL —
11
ZeroLend Lending
Lending · zkSync Era, Manta, Abstract +8
ZeroLend was an Aave V3-based lending protocol spread across several Layer 2 networks. Its team announced in February 2026 that it is permanently winding down, so this is now a record of the project rather than a recommendation.
Read the ZeroLend Lending review Visit ZeroLend Lending(opens in a new tab)
ScoreScore 3.0 out of 10
TVL $819K−4.3%
12
Zerolend
Lending · Base, Linea
ZeroLend was a decentralized lending protocol that let users supply and borrow crypto assets without a custodian. The team has announced it will shut down, so this review is a record of the project rather than a guide to using it.
Read the Zerolend review Visit Zerolend(opens in a new tab)
ScoreScore 2.0 out of 10
TVL —
13
Aloe
Lending · Arbitrum, Base, Optimism +2
Aloe is a permissionless lending protocol built on Uniswap, with risk-isolated pools and dynamic LTVs. Its TVL is very small, so treat it as a niche, early-stage venue.
Read the Aloe review
ScoreNot rated yet
TVL $71.0K+0.2%
14
wefi
Lending · Polygon, Boba, XDC +1
WeFi is a multi-chain DeFi lending marketplace for depositing tokens to earn interest or borrowing from lending pools. Its fees, loan terms and risk controls are not clearly documented.
Read the wefi review
ScoreNot rated yet
TVL $16.1K−0.0%
15
Merchant Finance
Lending · Merlin, Linea
Merchant Finance is described as a permissionless lending protocol for depositing assets and borrowing against them, with a focus on MerlinChain. Key details such as supported markets, fees and audits are not published.
Read the Merchant Finance review
ScoreNot rated yet
TVL —

Lending dApps on Linea: the numbers

Tracked: 15
Reviewed: 15
Total TVL: $28.2B
Avg. score: 5.9/10

The DappsAtlas index lists 15 lending dApps on Linea. Every one of them has a full review. The 11 that report TVL hold $28.2B between them, counting value on every chain they support. Aave V3 dominates, with 56% of that total. The five largest make up 100% of the total; the median is $819K.

By value locked, the largest lending dApps on Linea are Aave V3 ($15.8B), Morpho Blue ($10.9B) and Compound V3 ($1.26B). On DappsAtlas scores, Aave V3 ranks first at 8.6/10, ahead of Morpho Blue (8.0) and Compound V3 (8.0). That makes Aave V3 both the biggest and the best-rated. The 12 rated lending dApps average 5.9/10; 4 reach 8 or above.

Many also deploy elsewhere, most often on Base (10), Ethereum (9) and Arbitrum (8). Of the 11 with a confirmed status, 9 are active and 2 are inactive or wound down. Over the last seven days, combined TVL rose 2.5%. Euler V2 gained the most (+5.5%), while LayerBank dropped the most (−10.4%).

Largest by TVL

1Aave V3$15.8B
2Morpho Blue$10.9B
3Compound V3$1.26B
4Euler V2$283M
5LayerBank$5.36M

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

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Frequently asked questions

What is the largest lending dApp on Linea by TVL?

Aave V3 is the largest lending dApp on Linea by total value locked, with $15.8B across all the chains it supports. It is followed by Morpho Blue ($10.9B) and Compound V3 ($1.26B). TVL figures come from DefiLlama and change daily.

Which lending dApp on Linea 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 Linea has DappsAtlas reviewed?

DappsAtlas tracks 15 lending dApps on Linea. Of these, 15 have a full review and 11 report value locked, $28.2B in total, counting value on every chain they support.

Which lending dApps on Linea grew the most this week?

Among lending dApps with at least $1M locked, Euler V2 had the biggest 7-day TVL gain (+5.5%) and LayerBank the biggest drop (−10.4%). Combined TVL moved +2.5% over the same seven days.

What is the average score for lending dApps on Linea?

The 12 rated lending dApps on Linea average 5.9 out of 10. Of these, 4 score 8 or higher and 3 score below 5.

Ranked list