Best of · Scroll · Updated Nov 6, 2026

The best Lending dApps on Scroll in 2026

We track 10 Lending dApps that run on Scroll and have reviewed 10 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
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%
5
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 review Visit Avalon Finance(opens in a new tab)
ScoreScore 6.8 out of 10
TVL $861K−26.5%
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
Cog
Lending · Scroll
Cog is an isolated lending protocol on Scroll, with pools designed to manage lending markets separately. Its basic model is identifiable, but key details such as supported assets, fees, and audits are not clearly disclosed.
Read the Cog review
ScoreScore 4.0 out of 10
TVL $178K−0.1%
10
SYNO Finance
Lending · Optimism, Ethereum, Scroll +2
SYNO Finance was a lending money market built on the Wormhole xChain stack, operating across Ethereum, Arbitrum, Optimism, Base and Scroll. It has shut down, and its site says remaining funds were returned to users.
Read the SYNO Finance review Visit SYNO Finance(opens in a new tab)
ScoreNot rated yet
TVL $918−7.1%

Lending dApps on Scroll: the numbers

Tracked: 10
Reviewed: 10
Total TVL: $28.3B
Avg. score: 6.7/10

There are 10 lending dApps on Scroll in the DappsAtlas index. Every one of them has a full review. Combined, they lock $28.3B, counting value on every chain they support. Aave V3 dominates, with 56% of that total. The top five account for 100%, while the median lending dApp holds $861K.

Ranked by TVL, Aave V3 ($15.8B), Morpho Blue ($10.9B) and Compound V3 ($1.26B) lead the field. The best-rated is Aave V3 with 8.6/10, followed by Morpho Blue (8.0) and Compound V3 (8.0). That makes Aave V3 both the biggest and the best-rated. Across the 9 rated lending dApps, the average score is 6.7/10 and 3 score 8 or higher.

Many also deploy elsewhere, most often on Ethereum (7), Base (7) and Arbitrum (7). Of the 10 with a confirmed status, 9 are active and 1 is inactive or wound down. In the past week, total value locked rose 2.5%. Aave V3 gained the most (+5.1%), while LayerBank dropped the most (−10.4%).

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

Related guides

All guides

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Frequently asked questions

What is the largest lending dApp on Scroll by TVL?

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

DappsAtlas tracks 10 lending dApps on Scroll. Of these, 10 have a full review and 10 report value locked, $28.3B in total, counting value on every chain they support.

Which lending dApps on Scroll 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 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 Scroll?

The 9 rated lending dApps on Scroll average 6.7 out of 10. Of these, 3 score 8 or higher and 1 score below 5.

Ranked list