Lending · Review
ActiveAmply Finance Review 2026: Small Lending Protocol on Cronos zkEVM
Amply Finance is a small peer-to-pool lending protocol on the Cronos zkEVM chain. It has a native AMPLY token, but its low TVL and lack of listed audits call for caution.
By the DappsAtlas editorial team · Updated
DappsAtlas score
4.5/10
Weak
Our verdict on Amply Finance
4.5/10Amply Finance suits experienced DeFi users who want to explore early-stage lending on Cronos zkEVM and accept the risks of a small protocol. Its pooled borrowing and lending model is straightforward and it has an AMPLY token. The main caveat is that it has about $229,000 in TVL, no listed audits and little published detail on rates or risk settings. Treat it as high-risk and size any position accordingly.
Score breakdown
How Amply Finance scores
- Security
- 3.5/10
- 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 Amply Finance?
Amply Finance is a peer-to-pool borrowing and lending protocol on the Cronos zkEVM chain. Its homepage says users can access instant liquidity, earn interest on their assets and take part in the protocol's growth through the $AMPLY token.
DefiLlama lists it under Lending with about $229,202 in total value locked, down 1.4% over seven days. It has been tracked since September 2024 and lists no audits. The project's X account is amplyfinance.
Public sources are limited to a short homepage description and DefiLlama data. Details such as supported assets, rates and governance are not covered here, so the review focuses on what is established.
How Amply Finance works
Amply Finance is a peer-to-pool lending protocol. Lenders deposit assets into a shared pool. Borrowers take loans from that pool by posting collateral, rather than negotiating with a single counterparty.
Interest paid by borrowers goes to the lenders who supplied the pool, and rates typically adjust with how much of the pool is in use. Loans are usually over-collateralised, and if the collateral value falls too far, positions can be liquidated to protect the pool. The exact parameters for Amply are not public reviewed.
The protocol runs on Cronos zkEVM, a zero-knowledge rollup. The AMPLY token is described as a way to participate in the protocol's growth.
5 features
Key features
01
Peer-to-pool lending
Lenders supply assets to a shared pool and borrowers draw from it, rather than being matched one-to-one.
02
Instant liquidity access
The homepage says users can access instant liquidity by borrowing from the pool.
03
Interest on deposits
Depositors earn interest on supplied assets, according to the homepage description.
04
Cronos zkEVM deployment
The protocol is deployed on Cronos zkEVM, a zero-knowledge rollup environment.
05
AMPLY token
The $AMPLY token lets holders participate in the protocol's growth, per the homepage.
Pros and cons
What we like
- Clear, focused pitch: pooled lending and borrowing on Cronos zkEVM
- Tracked on DefiLlama since September 2024, so it has a public record
- Native AMPLY token gives a route to participate in protocol growth
- Pooled model allows borrowing without finding an individual counterparty
- Early lending option on a relatively new chain
Watch out for
- Total value locked is only about $229,000, so liquidity is shallow
- No audits are listed on DefiLlama
- Runs on a single chain, Cronos zkEVM, which has a small ecosystem
- Fees, rates and collateral parameters are not
- Limited public information beyond a short homepage description
- Native token exposure adds price risk for anyone who takes part in protocol growth
Amply Finance fees
Amply Finance's fee structure is not published publicly we reviewed. That includes borrow rates, supply rates, reserve factors and liquidation penalties.
In pooled lending protocols, rates normally move with supply and demand and are shown in the app's market view. Network gas fees on Cronos zkEVM also apply to each transaction. Check the live markets before depositing or borrowing.
Is Amply Finance safe?
DefiLlama lists no audits for Amply Finance. Lending protocols hold user funds in smart contracts, so an unaudited codebase carries added risk of bugs or exploits. No incidents are mentioned publicly, but absence of data is not proof of safety.
Because the protocol is small, with TVL near $229,000, thin liquidity can make withdrawals, liquidations and oracle behaviour less predictable. Cronos zkEVM is also a smaller chain, adding network and bridge risk.Use small amounts and read the project's own documentation.
6 steps
How to get started with Amply Finance
- 1
Visit the official Amply Finance website and confirm the address matches the one listed on the project's verified social account.
- 2
Set up a wallet compatible with Cronos zkEVM and add the network.
- 3
Bridge or acquire the assets you want to supply, plus a small amount of the network gas token.
- 4
Review the live markets for supply rates, borrow rates, collateral factors and liquidation thresholds.
- 5
Start with a small deposit to learn how the interface behaves before committing more.
- 6
If borrowing, keep a wide safety margin above the liquidation threshold and monitor your position.
Who Amply Finance is for
Amply Finance is for DeFi users already active on Cronos zkEVM who are comfortable with unaudited, early-stage protocols and want to earn interest or borrow against collateral. It is not suited to anyone who needs deep liquidity or well-documented security.
Amply Finance FAQs
What is Amply Finance?
Amply Finance is a peer-to-pool borrowing and lending protocol on the Cronos zkEVM chain. Users can supply assets to earn interest or borrow against collateral.
Which blockchain does Amply Finance run on?
DefiLlama lists it on Cronos zkEVM only. No other networks are named.
Does Amply Finance have a token?
Yes. The homepage describes an $AMPLY token that lets users take part in the protocol's growth. The specific utility, supply and distribution are not set out we reviewed.
Has Amply Finance been audited?
DefiLlama lists no audits for the protocol. Without a published audit, smart-contract risk is higher, so only commit money you can afford to lose and check the project's own documentation.
How big is Amply Finance?
DefiLlama shows about $229,000 in TVL and a 1.4% drop over seven days. That is small for a lending market, and figures change often.
Compare
Amply Finance alternatives
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SparkLend is a stablecoin lending market on Ethereum and Gnosis with governance-set rates, backed by Sky's Liquidity Layer, for borrowers and savers.
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Veno Finance is a liquid staking protocol on Cronos for staking CRO, ATOM, ETH and TIA and receiving liquid tokens, with a VNO incentive token.
Moonlander is a perpetuals DEX on Cronos zkEVM for leveraged crypto and RWA trading, with a staking pool, for experienced DeFi traders.
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XY Finance is a cross-chain swap and bridge aggregator that routes transfers across 17+ EVM chains for DeFi users moving assets between networks.
How we checked
Sources
- 1.defillama.com/protocol/amply-finance
- 2.perplexity.ai/finance/AMPY
- 3.finance.yahoo.com/quote/AMPY/insider-roster/
- 4.perplexity.ai/finance/AMPY
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