DeFi · Category ranking
Best CeDeFi dApps in 2026
23 CeDeFi dApps ranked by DappsAtlas score and total value locked. Open any row for the full review.
- Listed
- 23
- Reviewed
- 23
- Page
- 1/1
CeDeFi, short for centralized-decentralized finance, covers products that blend a company-run layer with blockchain infrastructure. A firm may hold collateral, run trading strategies or approve loans, while tokens, smart contracts or on-chain pools handle part of the process. The result sits between a bank-style app and a fully self-custodied DeFi protocol.
These dApps mostly earn money from the spread between what they pay users and what they earn elsewhere. Examples on this page include fees from lending against Bitcoin (Avalon CeDeFi, B2x, Better), arbitrage and trading strategies (Manta CeDeFi, Grox, Aster asBTC), and wallet, exchange and loan fees in app-style services such as YouHodler. Savings-style products like Doppler Finance, XORA and Goldsand pass on part of their returns as yield, and the operator keeps the rest.
When comparing options, start with custody: who controls your assets and what happens if the operator fails. Then look at where the yield comes from, whether it is paid in a tradable asset, and what lock-ups or minimums apply, such as the $10K minimum at Grox. Check which chains and regions are supported, how clearly fees and licences are published, and how large the product is. Doppler Finance and Avalon CeDeFi lead on reported TVL at the time of writing. Any product involving financial risk is only for adults, so make sure you meet the age requirement and that the service is legal where you live.
CeDeFi dApps at a glance
- Tracked
- 23
- Reviewed
- 23
- Total TVL
- $247M
- Avg. score
- 5.7/10
Largest by TVL
- 1
Doppler Finance$110M
- 2
Avalon CeDeFi$97.0M
- 3
Manta CeDeFi$26.7M
- 4
Goose$12.8M
- 5
Goldsand by InshAllah$310K
Highest rated
- 1
- 2
Nexo6.8
- 3Better6.5
- 4
- 5
Youhodler6.3
| Chains | |||||
|---|---|---|---|---|---|
| 1 | Avalon CeDeFiReviewed | Ethereum | $97.0M | −3.6% | 6.8 |
| 2 | NexoReviewed | Ethereum, Solana +1 | — | — | 6.8 |
| 3 | BetterReviewed | — | — | — | 6.5 |
| 4 | Goldsand by InshAllahReviewed | Ethereum | $310K | −0.9% | 6.3 |
| 5 | YouhodlerReviewed | — | — | — | 6.3 |
| 6 | NordarkReviewed | — | — | — | 6.2 |
| 7 | Manta CeDeFiReviewed | Manta | $26.7M | −0.1% | 6.0 |
| 8 | The LifeDAOReviewed | Arbitrum | $104K | +4.0% | 5.8 |
| 9 | Galaxy Credit GalaxyReviewed | — | — | — | 5.5 |
| 10 | Aster asBTCReviewed | BNB Chain | $20.8K | −2.5% | 5.3 |
| 11 | GroxReviewed | — | — | — | 5.2 |
| 12 | hiReviewed | — | — | — | 5.0 |
| 13 | B2xReviewed | — | — | — | 5.0 |
| 14 | XORAReviewed | XRP Ledger | $240K | −11.5% | 4.3 |
| 15 | Yield MagnetReviewed | — | — | — | 4.0 |
| 16 | Doppler FinanceReviewed | XRP Ledger, Ethereum | $110M | −4.9% | — |
| 17 | GooseReviewed | BNB Chain, Op_Bnb +2 | $12.8M | +0.0% | — |
| 18 | Cake BakeryReviewed | — | — | — | — |
| 19 | Africunia BankReviewed | — | — | — | — |
| 20 | Bnb YieldsReviewed | — | — | — | — |
| 21 | Bouncebit Cedefi YieldReviewed | — | — | — | — |
| 22 | NeopinReviewed | — | — | — | — |
| 23 | YandaReviewed | Ethereum, Moonbeam +1 | — | — | — |
Ranked by DappsAtlas score, then total value locked. Click a column to re-sort this page. TVL data via DefiLlama.
Where they run
CeDeFi dApps by chain
Guides
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Frequently asked questions
What is CeDeFi?
CeDeFi combines centralized finance and decentralized finance in a single product. Typically a company handles custody, trading or credit decisions, while blockchain contracts handle some of the settlement, tokens or yield. How much is on-chain and how much is off-chain differs a lot from one product to the next.
How is CeDeFi different from regular DeFi?
In a pure DeFi protocol, your wallet normally holds the keys and smart contracts execute the rules. In CeDeFi, a company often holds collateral or runs strategies, so you rely on that company as well as on code. Some products on this page, such as The LifeDAO, offer a self-custodial wallet, while others, such as XORA and YouHodler, are described as custodial.
Where does the yield in CeDeFi products come from?
Yield usually comes from fees, lending interest, or trading strategies such as arbitrage and perpetual futures. Manta CeDeFi mixes CeFi arbitrage with DeFi strategies, Grox trades via perpetual futures, and Goldsand pays a variable yield from stablecoin payment fees. None of these returns is guaranteed, and a headline APY can include tokens that are hard to sell.
What are the main risks of CeDeFi?
The main risks are counterparty risk (the operator fails or restricts withdrawals), strategy risk (trades lose money), smart contract bugs, and thin disclosure about fees or licences. Lock-ups, as in Grox with its 6-month period, and yield paid partly in an untradable token, as described for XORA, add further limits. Only put in money you can afford to lose.
Are CeDeFi apps available everywhere?
Not necessarily. Some, such as Better and Goldsand, are aimed at US users, and others limit access by region or eligibility. hi, for example, stopped serving UK users in 2024. Check the terms for your country before signing up, and follow local rules on age and identity checks.
What does TVL tell me about a CeDeFi product?
TVL is the value of assets deposited in a product's contracts. It gives a rough sense of scale and use, and at the time of writing Doppler Finance and Avalon CeDeFi are the largest here at about $120M and $103M. It does not measure safety, and several entries, such as Better, YouHodler, Grox, hi and B2x, show no TVL because they are not tracked on-chain in the same way.
What is the largest CeDeFi dApp by TVL?
Doppler Finance is the largest CeDeFi dApp by total value locked, with $110M. It is followed by Avalon CeDeFi ($97.0M) and Manta CeDeFi ($26.7M). TVL figures come from DefiLlama and change daily.
Which CeDeFi dApp has the highest DappsAtlas score?
Avalon CeDeFi has the highest score at 6.8/10, ahead of Nexo (6.8) and Better (6.5). Scores weigh security, ease of use, fees and features, and are based only on facts we could verify.
How many CeDeFi dApps does DappsAtlas track?
DappsAtlas tracks 23 CeDeFi dApps. Of these, 23 have a full review and 8 report value locked, $247M in total.
What chains do most CeDeFi dApps run on?
Which CeDeFi dApps grew the most this week?
Among CeDeFi dApps with at least $1M locked, Goose had the biggest 7-day TVL gain (+0.0%) and Doppler Finance the biggest drop (−4.9%). Combined TVL moved −3.7% over the same seven days.
What is the average score for CeDeFi dApps?
The 15 rated CeDeFi dApps average 5.7 out of 10. Of these, 0 score 8 or higher and 2 score below 5.