Best of · Sonic · Updated
The best Lending dApps on Sonic in 2026
We track 15 Lending dApps that run on Sonic 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.
Ranked list
- 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.
ScoreScore 8.6 out of 10TVL $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.
ScoreScore 8.0 out of 10TVL $10.9B−0.5% - 3
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.
ScoreScore 8.0 out of 10TVL $283M+5.5% - 4
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.
ScoreScore 7.4 out of 10TVL $22.2M+1.4% - 5
Silo V3
Lending · Injective, Avalanche, XDC +4
Silo V3 is the latest version of Silo Finance, a lending protocol built on permissionless, risk-isolated markets across seven chains. It suits users who accept market-by-market risk, but its TVL is modest.
ScoreScore 6.9 out of 10TVL $4.57M+14.4% - 6
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.
ScoreScore 6.8 out of 10TVL $861K−26.5% - 7
Silo
Lending · Ethereum, Arbitrum, Sonic
Silo is a non-custodial, permissionless lending protocol that keeps each token's risk in its own isolated market. Its main appeal is containing bad debt; the main caveat is thinner liquidity and ordinary smart-contract risk.
ScoreScore 6.6 out of 10TVL — - 8
Flying Tulip Lend
Lending · Ethereum, Sonic, BNB Chain
Flying Tulip Lend is a lending market on Ethereum, Sonic and BNB Chain, part of a wider Flying Tulip system that combines lending, yield and trading. It holds roughly $9 million in TVL, and deposits are described as refundable and PUT-protected.
ScoreScore 6.5 out of 10TVL $11.2M+29.5% - 9
Silo V2
Lending · Sonic, Avalanche, Arbitrum +1
Silo V2 is a lending protocol from Silo Finance that offers permissionless, risk-isolated markets on Sonic, Avalanche, Arbitrum and Ethereum. Its TVL is modest at about 4.1 million USD, and the app now highlights a V3 version.
ScoreScore 6.4 out of 10TVL $5.16M−1.3% - 10
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.
ScoreScore 6.2 out of 10TVL $514K−1.5% - 11
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.
ScoreScore 6.0 out of 10TVL $682K−2.8% - 12
Enclabs
Lending · Sonic, Plasma
Enclabs is a small lending and borrowing protocol on Sonic and Plasma that splits risk into isolated markets. Liquidity is thin and no audits are listed, so treat it as an early-stage experiment.
ScoreScore 4.5 out of 10TVL $31.4K−0.1% - 13
dTRINITY dLEND
Lending · Ethereum, Sonic, Fraxtal
dTRINITY dLEND is an Aave v3 fork where dUSD is the main borrowable asset and borrowing costs are subsidised through interest rebates. Its Ethereum deployment suffered an exploit in March 2026, so treat it as high risk.
ScoreScore 3.5 out of 10TVL $592K−14.9% - 14
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.
ScoreNot rated yetTVL $3.02K−73.5% - 15
Fisclend Finance
Lending · World Chain, Sonic, ApeChain
Fisclend Finance was an open lending and borrowing protocol listed on ApeChain, World Chain, and Sonic. It is now marked deprecated, so its current availability and safety are uncertain.
ScoreNot rated yetTVL —
Lending dApps on Sonic: the numbers
- Tracked
- 15
- Reviewed
- 15
- Total TVL
- $27.0B
- Avg. score
- 6.6/10
DappsAtlas tracks 15 lending dApps on Sonic. Every one of them has a full review. The 13 that report TVL hold $27.0B between them, counting value on every chain they support. Aave V3 dominates, with 59% of that total. The top five account for 100%, while the median lending dApp holds $4.57M.
Ranked by TVL, Aave V3 ($15.8B), Morpho Blue ($10.9B) and Euler V2 ($283M) lead the field. The best-rated is Aave V3 with 8.6/10, followed by Morpho Blue (8.0) and Euler V2 (8.0). That makes Aave V3 both the biggest and the best-rated. The 13 rated lending dApps average 6.6/10; 3 reach 8 or above.
Beyond Sonic, these lending dApps most often also run on Ethereum (12), Arbitrum (10) and Base (6). Of the 14 with a confirmed status, 13 are active and 1 is inactive or wound down. In the past week, total value locked rose 2.8%. Flying Tulip Lend gained the most (+29.5%), while Silo V2 dropped the most (−1.3%).
Largest by TVL
- 1
Aave V3$15.8B
- 2
Morpho Blue$10.9B
- 3
Euler V2$283M
- 4
Gearbox$22.2M
- 5
Flying Tulip Lend$11.2M
Highest rated
- 1
- 2
- 3
- 4
- 5
Silo V36.9
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 Sonic by TVL?
Aave V3 is the largest lending dApp on Sonic by total value locked, with $15.8B across all the chains it supports. It is followed by Morpho Blue ($10.9B) and Euler V2 ($283M). TVL figures come from DefiLlama and change daily.
Which lending dApp on Sonic has the highest DappsAtlas score?
Aave V3 has the highest score at 8.6/10, ahead of Morpho Blue (8.0) and Euler V2 (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 Sonic has DappsAtlas reviewed?
DappsAtlas tracks 15 lending dApps on Sonic. Of these, 15 have a full review and 13 report value locked, $27.0B in total, counting value on every chain they support.
Which lending dApps on Sonic grew the most this week?
Among lending dApps with at least $1M locked, Flying Tulip Lend had the biggest 7-day TVL gain (+29.5%) and Silo V2 the biggest drop (−1.3%). Combined TVL moved +2.8% over the same seven days.
What is the average score for lending dApps on Sonic?
The 13 rated lending dApps on Sonic average 6.6 out of 10. Of these, 3 score 8 or higher and 2 score below 5.