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Best of · Sei · Updated

The best Lending dApps on Sei in 2026

We track 6 Lending dApps that run on Sei 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
    YeiLend logo

    YeiLend

    Lending · Sei

    YeiLend is a non-custodial money market on the Sei network, paired with a DEX called YeiSwap. It is a small but active lending venue with no listed audits.

    Read the YeiLend reviewVisit YeiLend(opens in a new tab)
    ScoreScore 6.2 out of 10
    TVL $4.07M−6.8%
  4. 4
    Takara Lend logo

    Takara Lend

    Lending · Sei

    Takara Lend is a decentralized money market built on Sei for lending and borrowing crypto. Its market details and audit information are not clearly published, so check the app carefully before supplying assets or borrowing.

    Read the Takara Lend reviewVisit Takara Lend(opens in a new tab)
    ScoreScore 5.5 out of 10
    TVL $3.94M−6.5%
  5. 5
    Folks Finance xChain logo

    Folks Finance xChain

    Lending · Avalanche, Polygon, Monad +5

    Folks Finance xChain is a cross-chain lending and borrowing app on eight networks. Its website is due to shut down on March 31, 2027, and users are told to withdraw funds before then.

    Read the Folks Finance xChain reviewVisit Folks Finance xChain(opens in a new tab)
    ScoreScore 5.0 out of 10
    TVL $3.49M−6.2%
  6. 6
    Avalon USDaLend logo

    Avalon USDaLend

    Lending · Sonic, Sei, IoTeX +3

    Avalon USDaLend is described as a stable-rate lending protocol powered by USDa credit lines. Its operating terms, fees, and audit status are not published, and the site restricts access for some users.

    Read the Avalon USDaLend reviewVisit Avalon USDaLend(opens in a new tab)
    ScoreNot rated yet
    TVL $3.02K−73.5%

Lending dApps on Sei: the numbers

Tracked
6
Reviewed
6
Total TVL
$10.9B
Avg. score
6.3/10

DappsAtlas tracks 6 lending dApps on Sei. 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. The top five account for 100%, while the median lending dApp holds $3.49M.

By value locked, the largest lending dApps on Sei are Morpho Blue ($10.9B), YeiLend ($4.07M) and Takara Lend ($3.94M). The best-rated is Morpho Blue with 8.0/10, followed by Avalon Finance (6.8) and YeiLend (6.2). That makes Morpho Blue both the biggest and the best-rated. The 5 rated lending dApps average 6.3/10; 1 reach 8 or above.

Many also deploy elsewhere, most often on Ethereum (3), Base (3) and Arbitrum (3). All 5 with a confirmed status are active. Over the last seven days, combined TVL was roughly flat (−0.5%). YeiLend dropped the most (−6.8%).

Largest by TVL

  1. 1Morpho Blue logoMorpho Blue$10.9B
  2. 2YeiLend logoYeiLend$4.07M
  3. 3Takara Lend logoTakara Lend$3.94M
  4. 4Folks Finance xChain logoFolks Finance xChain$3.49M
  5. 5Avalon Finance logoAvalon Finance$861K

Highest rated

  1. 1Morpho Blue logoMorpho Blue8.0
  2. 2Avalon Finance logoAvalon Finance6.8
  3. 3YeiLend logoYeiLend6.2
  4. 4Takara Lend logoTakara Lend5.5
  5. 5Folks Finance xChain logoFolks Finance xChain5.0

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 Sei by TVL?

Morpho Blue is the largest lending dApp on Sei by total value locked, with $10.9B across all the chains it supports. It is followed by YeiLend ($4.07M) and Takara Lend ($3.94M). TVL figures come from DefiLlama and change daily.

Which lending dApp on Sei has the highest DappsAtlas score?

Morpho Blue has the highest score at 8.0/10, ahead of Avalon Finance (6.8) and YeiLend (6.2). Scores weigh security, ease of use, fees and features, and are based only on facts we could verify.

How many lending dApps on Sei has DappsAtlas reviewed?

DappsAtlas tracks 6 lending dApps on Sei. Of these, 6 have a full review and 6 report value locked, $10.9B in total, counting value on every chain they support.

Which lending dApps on Sei grew the most this week?

Among lending dApps with at least $1M locked, YeiLend the biggest drop (−6.8%). Combined TVL moved −0.5% over the same seven days.

What is the average score for lending dApps on Sei?

The 5 rated lending dApps on Sei average 6.3 out of 10. Of these, 1 score 8 or higher and 0 score below 5.