Best of · XDC · Updated Nov 6, 2026

The best Lending dApps on XDC in 2026

We track 8 Lending dApps that run on XDC and have reviewed 7 of them in full. Our top pick is Morpho Blue. Each one is scored on security, ease of use, fees and features.

1
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%
2
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.
Read the Silo V3 review Visit Silo V3(opens in a new tab)
ScoreScore 6.9 out of 10
TVL $4.57M+14.4%
3
Fathom CDP
Lending · XDC
Fathom is a non-custodial lending protocol on XDC Network where users supply XDC or USDC to earn variable interest or borrow against collateral. It has a recent Halborn verification, but TVL is small and the audit scope is narrow.
Read the Fathom CDP review Visit Fathom CDP(opens in a new tab)
ScoreScore 6.2 out of 10
TVL $233K−1.6%
4
Fathom Lending
Lending · XDC
Fathom Lending is a non-custodial lending protocol on XDC Network where users supply XDC or USDC to earn variable interest or borrow against collateral. It has a recent code-verification report but small liquidity.
Read the Fathom Lending review Visit Fathom Lending(opens in a new tab)
ScoreScore 6.0 out of 10
TVL $300K−2.0%
5
Fathom AMM
Lending · XDC
Fathom began as an XDC-based DEX and FXD stablecoin protocol and now presents itself as a non-custodial lending market on XDC Network. It is a small, simple product with a recent verification report, but liquidity is thin.
Read the Fathom AMM review Visit Fathom AMM(opens in a new tab)
ScoreScore 6.0 out of 10
TVL $46.5K−0.1%
6
Teller
Lending · Base, Ethereum, Arbitrum +6
Teller is a DeFi lending protocol where users lend tokens such as USDC to earn yield and borrowers post long-tail crypto as collateral. TVL is under $1 million and no audits are listed, so treat it as a small, higher-risk venue.
Read the Teller review Visit Teller(opens in a new tab)
ScoreScore 5.8 out of 10
TVL $898K+4.5%
7
PrimeFi
Lending · Hyperliquid L1, Base, XDC
PrimeFi is an omnichain lending and borrowing protocol that lets users supply assets on one supported network and receive a loan on another. It launched on mainnet in September 2025 on Base, HyperEVM and XDC, and its main draw is cross-chain liquidity, not a track record.
Read the PrimeFi review Visit PrimeFi(opens in a new tab)
ScoreScore 5.2 out of 10
TVL $1.47K−0.3%
8
wefi
Lending · Polygon, Boba, XDC +1
WeFi is a multi-chain DeFi lending marketplace for depositing tokens to earn interest or borrowing from lending pools. Its fees, loan terms and risk controls are not clearly documented.
Read the wefi review
ScoreNot rated yet
TVL $16.1K−0.0%

Lending dApps on XDC: the numbers

Tracked: 8
Reviewed: 8
Total TVL: $10.9B
Avg. score: 6.3/10

The DappsAtlas index lists 8 lending dApps on XDC. 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 five largest make up 100% of the total; the median is $233K.

By value locked, the largest lending dApps on XDC are Morpho Blue ($10.9B), Silo V3 ($4.57M) and Teller ($898K). On DappsAtlas scores, Morpho Blue ranks first at 8.0/10, ahead of Silo V3 (6.9) and Fathom CDP (6.2). That makes Morpho Blue both the biggest and the best-rated. The 7 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 7 with a confirmed status are active. Over the last seven days, combined TVL was roughly flat (−0.5%). Silo V3 gained the most (+14.4%), while Morpho Blue dropped the most (−0.5%).

Largest by TVL

1Morpho Blue$10.9B
2Silo V3$4.57M
3Teller$898K
4Fathom Lending$300K
5Fathom CDP$233K

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.

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Frequently asked questions

What is the largest lending dApp on XDC by TVL?

Morpho Blue is the largest lending dApp on XDC by total value locked, with $10.9B across all the chains it supports. It is followed by Silo V3 ($4.57M) and Teller ($898K). TVL figures come from DefiLlama and change daily.

Which lending dApp on XDC has the highest DappsAtlas score?

Morpho Blue has the highest score at 8.0/10, ahead of Silo V3 (6.9) and Fathom CDP (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 XDC has DappsAtlas reviewed?

DappsAtlas tracks 8 lending dApps on XDC. Of these, 8 have a full review and 8 report value locked, $10.9B in total, counting value on every chain they support.

Which lending dApps on XDC grew the most this week?

Among lending dApps with at least $1M locked, Silo V3 had the biggest 7-day TVL gain (+14.4%) and Morpho Blue the biggest drop (−0.5%). Combined TVL moved −0.5% over the same seven days.

What is the average score for lending dApps on XDC?

The 7 rated lending dApps on XDC average 6.3 out of 10. Of these, 1 score 8 or higher and 0 score below 5.

Ranked list