Skip to content

DappsAtlas index · 14,224 dApps

DappsAtlas

Best of · X Layer · Updated

The best Lending dApps on X Layer in 2026

We track 6 Lending dApps that run on X Layer and have reviewed 6 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. 1
    Aave V3 logo

    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 reviewVisit Aave V3(opens in a new tab)
    ScoreScore 8.6 out of 10
    TVL $15.8B+5.1%
  2. 2
    Dolomite logo

    Dolomite

    Lending · Ethereum, Arbitrum, Berachain +4

    Dolomite is a DeFi money market that lets users lend, borrow and run leveraged strategies across a very wide range of assets. It holds about $185 million in TVL and lists six audits, but leveraged features carry real liquidation risk.

    Read the Dolomite reviewVisit Dolomite(opens in a new tab)
    ScoreScore 7.8 out of 10
    TVL $142M−15.1%
  3. 3
    TermMax logo

    TermMax

    Lending · Ethereum, Berachain, BNB Chain +6

    TermMax is a DeFi lending protocol offering fixed-rate borrowing and lending with set maturity dates, plus curator-run vaults. It has a visible security stack, but TVL is small.

    Read the TermMax reviewVisit TermMax(opens in a new tab)
    ScoreScore 7.0 out of 10
    TVL $687K−1.3%
  4. 4
    Native Credit Pool logo

    Native Credit Pool

    Lending · Morph, Ethereum, BNB Chain +4

    Native Credit Pool is a single-sided lending pool where liquidity providers supply assets that market makers borrow to quote prices on Native's on-chain order book. It is a specialised lending product, tied to Native's trading stack, with no published audit list or fee table.

    Read the Native Credit Pool reviewVisit Native Credit Pool(opens in a new tab)
    ScoreScore 6.5 out of 10
    TVL $20.6M−20.3%
  5. 5
    Timeswap V2 logo

    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%
  6. 6
    ZeroLend Lending logo

    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 reviewVisit ZeroLend Lending(opens in a new tab)
    ScoreScore 3.0 out of 10
    TVL $819K−4.3%

Lending dApps on X Layer: the numbers

Tracked
6
Reviewed
6
Total TVL
$16.0B
Avg. score
6.4/10

DappsAtlas tracks 6 lending dApps on X Layer. Every one of them has a full review. Together they hold $16.0B in total value locked, counting value on every chain they support. Aave V3 dominates, with 99% of that total. The five largest make up 100% of the total; the median is $819K.

By value locked, the largest lending dApps on X Layer are Aave V3 ($15.8B), Dolomite ($142M) and Native Credit Pool ($20.6M). On DappsAtlas scores, Aave V3 ranks first at 8.6/10, ahead of Dolomite (7.8) and TermMax (7.0). That makes Aave V3 both the biggest and the best-rated. The 6 rated lending dApps average 6.4/10; 1 reach 8 or above.

Many also deploy elsewhere, most often on Ethereum (6), Base (5) and Arbitrum (5). Of the 6 with a confirmed status, 5 are active and 1 is inactive or wound down. Over the last seven days, combined TVL rose 4.8%. Aave V3 gained the most (+5.1%), while Native Credit Pool dropped the most (−20.3%).

Largest by TVL

  1. 1Aave V3 logoAave V3$15.8B
  2. 2Dolomite logoDolomite$142M
  3. 3Native Credit Pool logoNative Credit Pool$20.6M
  4. 4ZeroLend Lending logoZeroLend Lending$819K
  5. 5TermMax logoTermMax$687K

Highest rated

  1. 1Aave V3 logoAave V38.6
  2. 2Dolomite logoDolomite7.8
  3. 3TermMax logoTermMax7.0
  4. 4Native Credit Pool logoNative Credit Pool6.5
  5. 5Timeswap V2 logoTimeswap V25.2

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

  • DeFi

    Best Crypto Lending Platforms in 2026: 7 DeFi Picks

    The best crypto lending platform depends on what you need to borrow, which assets you can use as collateral, and how much protocol risk you can accept. Compare leading DeFi markets and learn how to check rates, liquidation rules and security before you deposit.

  • DeFi

    Aave Guide 2026: How the DeFi Lending Protocol Works

    Aave is a non-custodial lending protocol where you can earn interest on crypto you deposit or borrow against your collateral. This guide explains how it works, what can go wrong, and how to use it with care in 2026.

  • DeFi

    Aave in 2026: How the Lending Protocol Grew and What Comes Next

    Aave is one of the longest-running lending markets in decentralised finance. This guide explains how it works, how it grew, what the AAVE token and GHO do, the risks to weigh, and how to follow its next version.

  • DeFi

    ADALend on Cardano: Is It the Future of DeFi Lending?

    ADALend is a lending protocol built on Cardano that has been promoted as the future of DeFi lending. This guide explains what it is, where that claim came from, and how to check its status and risks before you use any lending dApp.

  • DeFi

    ADALend Review 2026: What the Cardano Lending Project Offers

    ADALend was a Cardano lending project that drew attention in 2021 for putting idle assets to work. This guide sets out what the sources confirm, what they leave open, and how to check a lending protocol's current status and risks before depositing funds.

  • DeFi

    BiFi and Next-Generation DeFi Lending: What Is Confirmed in 2026

    Public public reporting do not confirm the details of a BiFi lending launch, so this guide separates what is documented about BIFI and Beefy Finance from what still needs an official source. It also explains how DeFi lending works and how to judge any new lending product before you deposit.

Frequently asked questions

What is the largest lending dApp on X Layer by TVL?

Aave V3 is the largest lending dApp on X Layer by total value locked, with $15.8B across all the chains it supports. It is followed by Dolomite ($142M) and Native Credit Pool ($20.6M). TVL figures come from DefiLlama and change daily.

Which lending dApp on X Layer has the highest DappsAtlas score?

Aave V3 has the highest score at 8.6/10, ahead of Dolomite (7.8) and TermMax (7.0). Scores weigh security, ease of use, fees and features, and are based only on facts we could verify.

How many lending dApps on X Layer has DappsAtlas reviewed?

DappsAtlas tracks 6 lending dApps on X Layer. Of these, 6 have a full review and 6 report value locked, $16.0B in total, counting value on every chain they support.

Which lending dApps on X Layer 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 Native Credit Pool the biggest drop (−20.3%). Combined TVL moved +4.8% over the same seven days.

What is the average score for lending dApps on X Layer?

The 6 rated lending dApps on X Layer average 6.4 out of 10. Of these, 1 score 8 or higher and 1 score below 5.