Lending · Review
88mph Review 2026: Fixed-Rate DeFi Lending
88mph is a DeFi lending protocol that lets users earn fixed-rate interest on crypto. Current TVL is small, and we could not verify the live site, so treat it with caution.
By the DappsAtlas editorial team · Updated
DappsAtlas score
—/10
Not rated
Our verdict on 88mph
88mph suits DeFi users who specifically want fixed-rate interest and are comfortable with smart-contract risk. Its main strength is that focus on predictable yield across several chains. The main caveat is its small TVL of about $414K and the fact that its homepage could not be checked, so confirm the product is live and read the audits before depositing anything.
Score breakdown
How 88mph scores
- Security
- 5.0/10
- Ease of use
- n/a
- Fees
- n/a
- Features
- 5.0/10
Scores run from 0 to 10 and are based only on facts we could verify. Where information was missing we mark the score n/a rather than guess.
What is 88mph?
88mph is a DeFi lending protocol that, per DefiLlama, lets users earn fixed-rate interest on their crypto. It is listed under the Lending category and has a token called MPH.
DefiLlama shows deployments on Ethereum, Fantom, Avalanche and Polygon, with total value locked of about $414K and a 7-day change of +2.3%. That is a small footprint. Two audits are listed.
The homepage could not be fetched and no public reporting were available, so we could not confirm the official website, current features or whether the product is actively maintained. This review is research-based and limited to the listed data.
How 88mph works
88mph is described as a protocol for earning fixed-rate interest on crypto. In general, fixed-rate DeFi products let a depositor lock in a known rate rather than accept the changing yield of a standard lending pool.
Such protocols typically take deposits and put them into underlying yield sources, then separate the fixed return from the variable one so that another party can take the variable yield. Public information here do not detail 88mph's specific mechanism, so check its documentation for how deposits, terms and the MPH token work.
4 features
Key features
01
Fixed-rate interest
The protocol is described as a way to earn fixed-rate interest on crypto, as opposed to variable lending rates.
02
Multi-chain presence
DefiLlama lists deployments on Ethereum, Fantom, Avalanche and Polygon.
03
MPH token
The protocol has a token, MPH, listed on DefiLlama.
04
Audits listed
DefiLlama shows two audits listed for the protocol.
Pros and cons
What we like
- Focuses on fixed-rate interest, which appeals to users who want predictable returns.
- Listed on four chains: Ethereum, Fantom, Avalanche and Polygon.
- Two audits are listed on DefiLlama.
- Has a native token, MPH, and an active-looking social handle listed.
- TVL grew 2.3% over the past seven days.
Watch out for
- The homepage could not be fetched, so current product status and documentation could not be checked.
- TVL of roughly $414K is small for a lending protocol, which suggests thin liquidity.
- Fee structure is not published publicly available.
- Smart-contract risk applies, and only two audits are listed with no details on scope or findings.
- Spread across four chains, which can fragment liquidity and add bridging risk.
88mph fees
Fees are not published publicly available for this review. The homepage could not be fetched, so we cannot confirm any protocol fee, performance fee or early-withdrawal terms.
Users would normally see any fees in the protocol's app and documentation before depositing. Network gas costs on Ethereum, Polygon, Avalanche or Fantom also apply to any transaction.
Is 88mph safe?
DefiLlama lists two audits for 88mph, but the project does not say who performed them, what they covered or what they found. Audits reduce but do not remove smart-contract risk. The protocol is non-custodial in the usual DeFi sense, so users would keep their wallet keys but expose funds to contract risk.
TVL of about $414K is low, which can mean limited liquidity and less market scrutiny. Public sources mention no incidents or regulatory status. Because the homepage could not be fetched, verify the official site and current status before connecting a wallet.
6 steps
How to get started with 88mph
- 1
Find the official 88mph site through the project's verified social account (listed as 88mphapp) rather than search ads.
- 2
Read the documentation and audit reports to understand how fixed-rate deposits work.
- 3
Connect a self-custody wallet on a supported chain such as Ethereum or Polygon.
- 4
Check the current fixed rate, term and any fees shown in the app before depositing.
- 5
Start with a small amount you can afford to lose and keep some native token for gas.
- 6
Monitor the position and the protocol's announcements for any changes.
Who 88mph is for
88mph is for experienced DeFi users who want to lock in a fixed rate rather than float with variable lending yields. It is less suited to beginners or anyone who needs deep liquidity and a well-documented, verified product.
88mph FAQs
What is 88mph?
88mph is a DeFi lending protocol. According to DefiLlama, it lets users earn fixed-rate interest on their crypto.
Which blockchains does 88mph support?
DefiLlama lists 88mph on Ethereum, Fantom, Avalanche and Polygon. Which chains are fully active today is not confirmed publicly.
Does 88mph have a token?
Yes, it has a token called MPH, per DefiLlama. The project does not describe its exact utility, supply or governance role.
Is 88mph safe?
No protocol is risk-free. DefiLlama lists two audits, but audits do not remove smart-contract, liquidity or market risks. TVL is low at about $414K, and the homepage could not be checked.
What fees does 88mph charge?
The project does not publish fee details. Users should check the protocol's own interface and documentation before depositing.
Compare
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How we checked
Sources
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