Lending · Review
ActiveAloe Review 2026: Uniswap-Based Isolated Lending
Aloe is a permissionless lending protocol built on Uniswap, with risk-isolated pools and dynamic LTVs. Its TVL is very small, so treat it as a niche, early-stage venue.
By the DappsAtlas editorial team · Updated
DappsAtlas score
—/10
Not rated
Our verdict on Aloe
Aloe suits experienced DeFi users who want to look at an isolated-pool lending design built on Uniswap and are comfortable reading documentation. Its main strength is the risk-isolated structure with dynamic LTVs across several networks. The main caveat is size: roughly $73,000 in TVL means thin liquidity and little track record, and the project does not cover fees, team or the audits in detail. Start small and verify everything first.
Score breakdown
How Aloe scores
- Security
- n/a
- Ease of use
- n/a
- Fees
- n/a
- Features
- 6.0/10
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 Aloe?
Aloe is a permissionless lending protocol built on Uniswap. DefiLlama lists it in the Lending category and describes risk-isolated pools, dynamic LTVs and ultra-efficient liquidations.
It is deployed on Ethereum, Arbitrum, Base, Optimism and Linea and has been listed on DefiLlama since March 2024. TVL is about $73,400, up about 1.8% over seven days, which makes it a very small protocol. DefiLlama shows no token and two audits.
The homepage could not be fetched and no public reporting were available, so this review rests on the DefiLlama listing only. Details such as fees, team and current development status are not covered.
How Aloe works
Aloe is a lending protocol. Lenders deposit assets into a pool to earn interest, and borrowers post collateral and take loans against it. If the value of a borrower's collateral falls too far, the position can be liquidated so lenders are repaid.
According to DefiLlama, Aloe is built on Uniswap and uses risk-isolated pools, so each market is meant to stand on its own. It also uses dynamic loan-to-value ratios, meaning the amount you can borrow against collateral is not a single fixed number. The project does not say how those ratios are set or how Uniswap is used in detail.
Liquidations are described as ultra-efficient. In lending, fast and reliable liquidations protect lenders from bad debt. Readers should check the docs for how the mechanism works and what penalties apply.
6 features
Key features
01
Permissionless lending
Anyone can use the protocol without an application or approval. Markets are not run by a central gatekeeper.
02
Uniswap-based design
Aloe is built on Uniswap, so it ties lending to Uniswap liquidity rather than a separate standalone market design.
03
Risk-isolated pools
Pools are risk-isolated, so trouble in one pool is intended to stay contained rather than spreading to others.
04
Dynamic LTVs
Loan-to-value limits are described as dynamic rather than fixed, meaning borrowing limits can adjust to conditions.
05
Efficient liquidations
The protocol describes its liquidations as ultra-efficient, aiming to close unsafe positions quickly.
06
Multi-chain deployment
The protocol is listed on Ethereum plus Arbitrum, Base, Optimism and Linea.
Pros and cons
What we like
- Risk-isolated pools are designed to contain problems to a single market.
- Dynamic LTVs offer a more flexible borrowing model than fixed ratios.
- Deployed across five networks, including low-fee layer 2s.
- Two audits are listed on DefiLlama.
- Permissionless access with no token required to participate.
Watch out for
- TVL is only about $73,000, so liquidity is very thin and large positions could be hard to open or close.
- No governance or protocol token is listed, so there is no token-based community ownership or incentive layer.
- Homepage could not be fetched and no public reporting were available, so documentation and current status could not be checked.
- Only two audits are listed, with no auditor names or dates, so coverage cannot be judged.
- Dynamic LTVs and liquidations built on Uniswap liquidity positions are harder for newcomers to understand than simple lending markets.
Aloe fees
Aloe's fee schedule is not published publicly available. Users would normally see borrow rates, any protocol or liquidation fees, and other costs in the app's market pages before confirming a transaction.
On top of protocol costs, every action carries network gas fees on the chosen chain. Ethereum mainnet is usually the most expensive, while Arbitrum, Base, Optimism and Linea are typically cheaper.
Is Aloe safe?
DefiLlama lists two audits for Aloe, but the project does not name the auditors, dates or findings. Lending protocols carry smart-contract risk, oracle risk and liquidation risk, and a Uniswap-based design adds dependence on that integration. Users keep custody through their own wallet, but deposited funds sit in smart contracts.
Public sources mention no incidents, and also give no regulatory details. With very low TVL, there is limited evidence of how the protocol has performed under stress. Verify the official site and contract addresses yourself and never deposit more than you can afford to lose.
6 steps
How to get started with Aloe
- 1
Find the official Aloe site through the project's verified Twitter account (aloecapital) rather than a search ad.
- 2
Read the documentation on risk-isolated pools, dynamic LTVs and liquidation rules before depositing.
- 3
Pick a network such as Arbitrum, Base, Optimism, Linea or Ethereum and fund a compatible wallet with that chain's gas token.
- 4
Connect your wallet and review the pool's rates, collateral rules and liquidation thresholds.
- 5
Start with a small amount to learn how the position behaves, and watch your loan health.
- 6
Keep checking your position and know how to repay or withdraw.
Who Aloe is for
Aloe is for experienced DeFi users who understand collateral, liquidation risk and Uniswap-based positions, and who want to explore a small, niche lending protocol. It is not a good fit for beginners or anyone needing deep liquidity for large loans.
Aloe FAQs
What is Aloe?
Aloe is a permissionless lending protocol built on Uniswap. DefiLlama lists it under Lending and describes risk-isolated pools, dynamic LTVs and efficient liquidations.
Which blockchains does Aloe support?
DefiLlama lists Aloe on Arbitrum, Base, Optimism, Linea and Ethereum. Which markets are active on each network is not stated publicly.
Does Aloe have a token?
No. DefiLlama shows no token for Aloe. Any token claiming to be an Aloe token should be verified through official channels before you buy it.
Is Aloe audited?
DefiLlama lists two audits, but the auditors and dates are not public. Audits reduce risk but do not remove it, and TVL is low, so smart-contract risk remains.
What does it cost to use Aloe?
The project does not publish fee details. Check the app's market pages for borrow rates and any protocol fees, and expect to pay network gas on whichever chain you use.
Compare
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How we checked
Sources
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