Best of · Optimism · Updated Nov 6, 2026

The best Lending dApps on Optimism in 2026

We track 30 Lending dApps that run on Optimism and have reviewed 27 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
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
EtherFi Borrowing Market
Lending · Optimism, Scroll
EtherFi Borrowing Market is the lending side of the ether.fi account, letting users borrow against crypto they already hold. It has sizable TVL on Optimism and Scroll, but rates and risk parameters are not published publicly.
Read the EtherFi Borrowing Market review Visit EtherFi Borrowing Market(opens in a new tab)
ScoreScore 7.0 out of 10
TVL $301M+1.9%
7
Curve LlamaLend
Lending · Ethereum, Arbitrum, Fraxtal +1
Curve LlamaLend is Curve's isolated lending market system, built around the crvUSD stablecoin and a soft-liquidation mechanism. It holds about $98.8M in TVL across four chains, but public sources list no audits.
Read the Curve LlamaLend review Visit Curve LlamaLend(opens in a new tab)
ScoreScore 7.0 out of 10
TVL $95.6M−2.5%
8
Moonwell Lending
Lending · Base, Ethereum, Optimism +1
Moonwell is an open lending and borrowing protocol on Base, Optimism, Ethereum and Moonbeam, with its own WELL token. DefiLlama lists about 9.1 million USD in TVL, so it is a modest-sized market with two audits listed.
Read the Moonwell Lending review Visit Moonwell Lending(opens in a new tab)
ScoreScore 7.0 out of 10
TVL $8.48M−3.7%
9
40 Acres
Lending · Avalanche, Base, Optimism
40 Acres is a DeFi lending platform that lets holders of vote-escrowed DEX NFTs borrow USDC against their future rewards, with no recurring interest and no liquidations. It is a niche product with a clear mechanism, but it depends heavily on a few DEX ecosystems.
Read the 40 Acres review Visit 40 Acres(opens in a new tab)
ScoreScore 7.0 out of 10
TVL $2.40M+0.9%
10
Extra Finance Xlend
Lending · Base, Optimism
Extra Finance Xlend is a lending and borrowing protocol on Base and Optimism that adds multi-account management and an efficiency mode for correlated assets. It is small by TVL, so check rates, incentives and audits before depositing.
Read the Extra Finance Xlend review Visit Extra Finance Xlend(opens in a new tab)
ScoreScore 6.5 out of 10
TVL $1.22M−0.2%
11
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%
12
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%
13
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%
14
Silo V1
Lending · Arbitrum, Ethereum, Optimism +2
Silo V1 is the original version of Silo Finance, a non-custodial lending protocol built on isolated markets so that risk in one asset does not spread to others. It is a small, older deployment across five networks, and the app now points users to V3.
Read the Silo V1 review Visit Silo V1(opens in a new tab)
ScoreScore 6.0 out of 10
TVL $682K−2.8%
15
Moonwell Apollo
Lending · Moonriver, Base, Optimism +1
Moonwell Apollo is a lending and borrowing protocol where users supply crypto to earn interest or borrow against collateral. Its networks are described differently across sources, and the project does not publish a clear fee schedule.
Read the Moonwell Apollo review Visit Moonwell Apollo(opens in a new tab)
ScoreScore 6.0 out of 10
TVL $0
16
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%
17
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%
18
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%
19
Moonwell
Lending · Base, Optimism, Moonbeam
Moonwell is a decentralized lending and borrowing protocol that runs on Base, Optimism and Moonbeam, with a WELL token. Its core product is supply-and-borrow markets, and its card programme has reportedly closed.
Read the Moonwell review
ScoreScore 5.5 out of 10
TVL —
20
Timeswap V2
Lending · Hyperliquid L1, Arbitrum, Base +7
Timeswap V2 is an oracleless lending and borrowing protocol that lets markets be created for any ERC-20 token. It runs on many chains but holds little capital and lists no audits.
Read the Timeswap V2 review
ScoreScore 5.2 out of 10
TVL $269K−1.7%
21
Iron Bank
Lending · Ethereum, Optimism, Fantom +1
Iron Bank is a DeFi lending protocol that lets whitelisted protocols borrow without collateral. Its capital-efficient model comes with meaningful counterparty risk, and current rates and borrower terms are not published.
Read the Iron Bank review Visit Iron Bank(opens in a new tab)
ScoreScore 5.0 out of 10
TVL $171K−2.8%
22
Prime Protocol
Lending · Celo, Arbitrum, Base +6
Prime Protocol is a cross-chain lending platform that lets users borrow against assets held across supported networks. Its unified collateral approach is useful, but key details on rates, assets, and security controls are not clearly published.
Read the Prime Protocol review Visit Prime Protocol(opens in a new tab)
ScoreScore 5.0 out of 10
TVL $250+0.6%
23
Granary Finance
Lending · Optimism, Metis, Arbitrum +5
Granary Finance is an Aave-inspired lending market that was deployed on eight chains, but it now holds only about $160,300 in TVL and lists no audits. Treat it as a small, high-risk protocol.
Read the Granary Finance review
ScoreScore 3.5 out of 10
TVL $155K−1.0%
24
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%
25
Sonne Finance
Lending · Base, Optimism
Sonne Finance is a decentralized lending protocol on Optimism and Base, but its homepage currently warns that it was exploited and tells users not to interact with the site. Treat it as a cautionary profile, not a place to deposit.
Read the Sonne Finance review Visit Sonne Finance(opens in a new tab)
ScoreScore 3.0 out of 10
TVL $55.0K−0.4%

Lending dApps on Optimism: the numbers

Tracked: 30
Reviewed: 30
Total TVL: $29.5B
Avg. score: 6.1/10

The DappsAtlas index lists 30 lending dApps on Optimism. Every one of them has a full review. The 27 that report TVL hold $29.5B between them, counting value on every chain they support. Aave V3 dominates, with 54% of that total. The five largest make up 100% of the total; the median is $682K.

Ranked by TVL, Aave V3 ($15.8B), Morpho Blue ($10.9B) and Compound V3 ($1.26B) lead the field. 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. Across the 25 rated lending dApps, the average score is 6.1/10 and 3 score 8 or higher.

Many also deploy elsewhere, most often on Ethereum (23), Base (22) and Arbitrum (21). Of the 23 with a confirmed status, 22 are active and 1 is inactive or wound down. Over the last seven days, combined TVL rose 2.1%. Aave V3 gained the most (+5.1%), while Venus Core Pool dropped the most (−6.6%).

Largest by TVL

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 Optimism by TVL?

Aave V3 is the largest lending dApp on Optimism 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 Optimism 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 Optimism has DappsAtlas reviewed?

DappsAtlas tracks 30 lending dApps on Optimism. Of these, 30 have a full review and 27 report value locked, $29.5B in total, counting value on every chain they support.

Which lending dApps on Optimism 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 Venus Core Pool the biggest drop (−6.6%). Combined TVL moved +2.1% over the same seven days.

What is the average score for lending dApps on Optimism?

The 25 rated lending dApps on Optimism average 6.1 out of 10. Of these, 3 score 8 or higher and 3 score below 5.

Ranked list