Best of · Base · Updated
The best Uncollateralized Lending dApps on Base in 2026
We track 8 Uncollateralized Lending dApps that run on Base and have reviewed 7 of them in full. Our top pick is Clearpool Lending. Each one is scored on security, ease of use, fees and features.
Ranked list
- 1
Clearpool Lending
Uncollateralized Lending · Base, Ethereum, Optimism +6
Clearpool Lending is a permissioned marketplace where institutions borrow from on-chain lenders without posting collateral. It is credit-risk exposure, not a collateralised DeFi loan, and it is expanding to the XRP Ledger.
ScoreScore 6.8 out of 10TVL $200K0.0% - 2
Kasu
Uncollateralized Lending · Base, XDC, Plume
Kasu is a private credit protocol that lets lenders earn 9% to 20% a year from loans to vetted businesses, paid in stablecoins. The yields are attractive, but this is off-chain business lending with real credit risk and no guaranteed withdrawals.
ScoreScore 6.5 out of 10TVL $2.95K+9.3% - 3
Sprinter
Uncollateralized Lending · Base
Sprinter is an onchain credit infrastructure project from the team behind ChainSafe, offering policy-based, uncollateralised credit to solvers, asset issuers and card programmes. It is early-stage on Base with small tracked TVL, and its headline volume claims are self-reported.
ScoreScore 6.2 out of 10TVL $311K0.0% - 4
Union Protocol
Uncollateralized Lending · Optimism, Ethereum, Base +1
Union is an open-source protocol for peer-to-peer onchain credit, where users vouch for people they trust and those people can borrow without posting collateral. It is an interesting model, but small in size and carrying real default and contract risk.
ScoreScore 5.5 out of 10TVL $266K−0.0% - 5
cSigma Finance
Uncollateralized Lending · Ethereum, Arbitrum, Hedera +1
cSigma Finance is a lending protocol that pools stablecoin deposits for real-world business loans and onchain strategies. It suits readers who understand private credit risk and accept delayed withdrawals in exchange for higher stated yields.
ScoreScore 5.5 out of 10TVL $1.24K−0.0% - 6
Bion
Uncollateralized Lending · Ethereum, Base, Arbitrum +5
Bion offers eligible users a reusable stablecoin credit line based on wallet activity, with disbursements and repayments in USDC on Base. Its repayment options are outlined, but final fees, underwriting details, and key safety information are not published.
ScoreScore 5.5 out of 10TVL — - 7
Credit Coop
Uncollateralized Lending · Ethereum, Base, Avalanche
Credit Coop is an early-stage on-chain credit platform where lenders fund curated vaults that finance real businesses against future cash flows. Its TVL is small, no audits are listed and key terms are not published publicly reviewed.
ScoreScore 4.8 out of 10TVL $218K+2.0% - 8
Accountable
Uncollateralized Lending · Monad, Arbitrum, Robinhood Chain +5
Accountable provides data-verification infrastructure for onchain finance and describes a yield marketplace for borrower vaults and structured credit. Public details about fees, opportunity terms, and verification methods are limited.
ScoreNot rated yetTVL $1.87M+70.0%
Uncollateralized Lending dApps on Base: the numbers
- Tracked
- 8
- Reviewed
- 8
- Total TVL
- $2.87M
- Avg. score
- 5.8/10
DappsAtlas tracks 8 uncollateralized lending dApps on Base. Every one of them has a full review. The 7 that report TVL hold $2.87M between them, counting value on every chain they support. Accountable dominates, with 65% of that total. The top five account for 100%, while the median uncollateralized lending dApp holds $218K.
Ranked by TVL, Accountable ($1.87M), Sprinter ($311K) and Union Protocol ($266K) lead the field. The best-rated is Clearpool Lending with 6.8/10, followed by Kasu (6.5) and Sprinter (6.2). The 7 rated uncollateralized lending dApps average 5.8/10, and none scores 8 or above yet.
Beyond Base, these uncollateralized lending dApps most often also run on Ethereum (6), Arbitrum (5) and Optimism (3). All 8 with a confirmed status are active. In the past week, total value locked rose 37.0%. Accountable gained the most (+70.0%).
Largest by TVL
- 1
Accountable$1.87M
- 2
Sprinter$311K
- 3
Union Protocol$266K
- 4
Credit Coop$218K
- 5
Clearpool Lending$200K
Highest rated
- 1
- 2
Kasu6.5
- 3
- 4
- 5
cSigma Finance5.5
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 uncollateralized lending dApp on Base by TVL?
Accountable is the largest uncollateralized lending dApp on Base by total value locked, with $1.87M across all the chains it supports. It is followed by Sprinter ($311K) and Union Protocol ($266K). TVL figures come from DefiLlama and change daily.
Which uncollateralized lending dApp on Base has the highest DappsAtlas score?
Clearpool Lending has the highest score at 6.8/10, ahead of Kasu (6.5) and Sprinter (6.2). Scores weigh security, ease of use, fees and features, and are based only on facts we could verify.
How many uncollateralized lending dApps on Base has DappsAtlas reviewed?
DappsAtlas tracks 8 uncollateralized lending dApps on Base. Of these, 8 have a full review and 7 report value locked, $2.87M in total, counting value on every chain they support.
Which uncollateralized lending dApps on Base grew the most this week?
Among uncollateralized lending dApps with at least $1M locked, Accountable had the biggest 7-day TVL gain (+70.0%). Combined TVL moved +37.0% over the same seven days.
What is the average score for uncollateralized lending dApps on Base?
The 7 rated uncollateralized lending dApps on Base average 5.8 out of 10. Of these, 0 score 8 or higher and 1 score below 5.