DeFi · Category ranking
Best Lending dApps in 2026
405 Lending dApps ranked by DappsAtlas score and total value locked. Open any row for the full review.
- Listed
- 405
- Reviewed
- 405
- Page
- 1/9
Lending dApps are blockchain-based money markets. You connect a crypto wallet, deposit assets such as ETH or stablecoins to earn interest, or lock up collateral and borrow against it without selling your holdings. This page ranks 255 lending protocols across chains including Ethereum, Solana, BNB Chain, Sui and others.
The protocols run on smart contracts instead of a bank. Borrowers pay interest, and most of it goes to depositors, while a share usually goes to the protocol treasury as a reserve fee. Some, like Aave V3, Compound V3 and SparkLend, use shared pools with rates set by utilization or governance. Others, like Morpho Blue and Euler V2, split markets into isolated or curated vaults. Liquidation fees and flash-loan fees can add further revenue.
When comparing, look at the chains you can use, the collateral and assets on offer, and how rates are set. Also weigh audit history, past exploits, oracle design and the size of liquidity, since deeper markets tend to handle withdrawals and liquidations better. On Solana, Kamino Lend and Jupiter Lend are leading options. On BNB Chain, look at Venus Core Pool and Lista Lending. Always read the risk disclosures before depositing.
Lending dApps at a glance
- Tracked
- 405
- Reviewed
- 405
- Total TVL
- $41.1B
- Avg. score
- 5.6/10
Largest by TVL
- 1
Aave V3$15.1B
- 2
Morpho Blue$10.9B
- 3
SparkLend$5.21B
- 4
Compound V3$1.25B
- 5
Kamino Lend$1.19B
Highest rated
- 1
- 2
- 3
- 4
- 5
Euler V28.0
| Chains | |||||
|---|---|---|---|---|---|
| 1 | Aave V3Reviewed | Ethereum, Base +19 | $15.1B | +1.9% | 8.6 |
| 2 | Morpho BlueReviewed | Ethereum, Base +42 | $10.9B | +4.0% | 8.0 |
| 3 | SparkLendReviewed | Ethereum, xDai | $5.21B | +1.9% | 8.0 |
| 4 | Compound V3Reviewed | Ethereum, Arbitrum +8 | $1.25B | −3.3% | 8.0 |
| 5 | Euler V2Reviewed | Monad, Ethereum +14 | $264M | −1.8% | 8.0 |
| 6 | MorphoReviewed | Ethereum, Base | — | — | 8.0 |
| 7 | Kamino FinanceReviewed | Solana | — | — | 7.9 |
| 8 | Aave V4Reviewed | Ethereum, Arc +2 | $765M | +16.5% | 7.8 |
| 9 | DolomiteReviewed | Ethereum, Arbitrum +5 | $132M | −23.8% | 7.8 |
| 10 | Venus Core PoolReviewed | BNB Chain, Ethereum +6 | $1.07B | −8.5% | 7.6 |
| 11 | KaminoReviewed | Solana | — | — | 7.6 |
| 12 | BenqiReviewed | Avalanche | — | — | 7.6 |
| 13 | Fluid LendingReviewed | Ethereum, Arbitrum +3 | $611M | −0.4% | 7.5 |
| 14 | NAVI LendingReviewed | Sui | $125M | −11.7% | 7.5 |
| 15 | Compound V2Reviewed | Ethereum | $95.1M | −2.5% | 7.5 |
| 16 | Kamino LendReviewed | Solana | $1.19B | −1.5% | 7.4 |
| 17 | Folks Finance LendingReviewed | Algorand | $22.2M | −3.2% | 7.4 |
| 18 | GearboxReviewed | Ethereum, Etherlink +9 | $22.1M | −0.3% | 7.4 |
| 19 | CompoundReviewed | Ethereum | — | — | 7.4 |
| 20 | Venus ProtocolReviewed | BNB Chain, Ethereum +2 | — | — | 7.4 |
| 21 | HyperLend PooledReviewed | Hyperliquid L1 | $301M | −15.5% | 7.3 |
| 22 | SuilendReviewed | Sui | $139M | −3.3% | 7.3 |
| 23 | Aave V2Reviewed | Ethereum, Polygon +1 | $98.3M | −3.3% | 7.3 |
| 24 | Mystic Finance LendingReviewed | Flare, Citrea +3 | $31.8M | +2.8% | 7.3 |
| 25 | Justlend DaoReviewed | Tron | — | — | 7.3 |
| 26 | Jupiter LendReviewed | Solana | $994M | +7.6% | 7.0 |
| 27 | Lista LendingReviewed | BNB Chain, Ethereum | $909M | −4.3% | 7.0 |
| 28 | EtherFi Borrowing MarketReviewed | Optimism, Scroll | $301M | +1.4% | 7.0 |
| 29 | Rhea LendReviewed | Near | $148M | −11.2% | 7.0 |
| 30 | CurvanceReviewed | Monad | $136M | +3.8% | 7.0 |
| 31 | Curve LlamaLendReviewed | Ethereum, Arbitrum +2 | $96.8M | −1.0% | 7.0 |
| 32 | Zest V2Reviewed | Stacks | $44.3M | −0.1% | 7.0 |
| 33 | Flux FinanceReviewed | Ethereum | $43.7M | +0.0% | 7.0 |
| 34 | Hydration LendingReviewed | Other | $23.2M | −10.4% | 7.0 |
| 35 | VesuReviewed | Starknet | $9.95M | −4.1% | 7.0 |
| 36 | Moonwell LendingReviewed | Base, Ethereum +2 | $8.45M | −5.0% | 7.0 |
| 37 | Hatom LendingReviewed | MultiversX | $6.82M | +1.9% | 7.0 |
| 38 | Chainflip LendingReviewed | Other, Bitcoin +2 | $4.52M | −2.1% | 7.0 |
| 39 | LiquidiumReviewed | ICP | $4.02M | −0.3% | 7.0 |
| 40 | 40 AcresReviewed | Avalanche, Base +1 | $2.29M | −14.4% | 7.0 |
| 41 | Venus Isolated PoolsReviewed | BNB Chain, Ethereum +1 | $963K | −3.3% | 7.0 |
| 42 | TermMaxReviewed | Ethereum, Berachain +7 | $693K | −0.8% | 7.0 |
| 43 | Save Formerly SolendReviewed | Solana | — | — | 7.0 |
| 44 | Silo V3Reviewed | Injective, Avalanche +5 | $4.45M | +9.0% | 6.9 |
| 45 | Neptune FinanceReviewed | Injective | $3.79M | +10.7% | 6.9 |
| 46 | SaveReviewed | Solana, Eclipse | $71.1M | −8.5% | 6.8 |
| 47 | CurrentReviewed | Sui | $54.1M | −0.8% | 6.8 |
| 48 | FraxlendReviewed | Ethereum, Fraxtal +1 | $20.7M | −0.9% | 6.8 |
| 49 | CapyfiReviewed | Ethereum, Base +1 | $7.26M | +8.6% | 6.8 |
| 50 | Aave V1Reviewed | Ethereum | $7.03M | −1.8% | 6.8 |
Ranked by DappsAtlas score, then total value locked. Click a column to re-sort this page. TVL data via DefiLlama.
Where they run
Lending dApps by chain
Guides
DeFi guides
DeFi
Best Crypto Lending Platforms in 2026: 7 DeFi PicksThe best crypto lending platform depends on what you need to borrow, which assets you can use as collateral, and how much protocol risk you can accept. Compare leading DeFi markets and learn how to check rates, liquidation rules and security before you deposit.
DeFi
Aave Guide 2026: How the DeFi Lending Protocol WorksAave is a non-custodial lending protocol where you can earn interest on crypto you deposit or borrow against your collateral. This guide explains how it works, what can go wrong, and how to use it with care in 2026.
DeFi
Aave in 2026: How the Lending Protocol Grew and What Comes NextAave is one of the longest-running lending markets in decentralised finance. This guide explains how it works, how it grew, what the AAVE token and GHO do, the risks to weigh, and how to follow its next version.
DeFi
ADALend on Cardano: Is It the Future of DeFi Lending?ADALend is a lending protocol built on Cardano that has been promoted as the future of DeFi lending. This guide explains what it is, where that claim came from, and how to check its status and risks before you use any lending dApp.
DeFi
ADALend Review 2026: What the Cardano Lending Project OffersADALend was a Cardano lending project that drew attention in 2021 for putting idle assets to work. This guide sets out what the sources confirm, what they leave open, and how to check a lending protocol's current status and risks before depositing funds.
DeFi
BiFi and Next-Generation DeFi Lending: What Is Confirmed in 2026Public public reporting do not confirm the details of a BiFi lending launch, so this guide separates what is documented about BIFI and Beefy Finance from what still needs an official source. It also explains how DeFi lending works and how to judge any new lending product before you deposit.
Frequently asked questions
What is a DeFi lending protocol?
A DeFi lending protocol is a set of smart contracts that lets people deposit crypto to earn interest and lets others borrow against collateral. There is no bank or loan officer. Rates, collateral rules and liquidations are handled by code and, in many cases, by token-holder governance.
Why do I need to put up more collateral than I borrow?
Most DeFi loans are over-collateralized, meaning you lock up more value than you borrow. If your collateral value falls and your loan-to-value ratio passes a set limit, part of the collateral is sold automatically to repay the debt. A liquidation penalty usually applies, so it is wise to keep a wide safety margin.
Where does the interest on deposits come from?
Yield comes from borrowers paying interest, so rates move with supply and demand. Some protocols also add token incentives on top, which can fade over time. Check whether a quoted rate is variable, fixed or partly reward-driven before relying on it.
What are the main risks of using a lending dApp?
Main risks include smart contract bugs, oracle failures or manipulation, liquidation during sharp price drops, and the failure of a collateral asset or stablecoin. Curated vaults add the risk of the curator's choices. Some protocols have faced exploits, so look at audit history and incident records, and never deposit more than you can afford to lose.
Which lending protocols are the biggest?
Aave V3, Morpho Blue and SparkLend hold the largest deposits on our list, with Aave V3 at about $16 billion in TVL at the time of writing. Size is a rough sign of use and track record, but it does not guarantee safety. Compare audits, time in operation, supported assets and how the protocol has handled stress events.
Is DeFi lending the same as gambling?
No. Lending dApps are financial tools, not casino games, though some people treat leveraged loops as speculation, which carries high risk of loss. If you also use crypto gambling sites, you must be 18+ (21+ in some places) and should check that online gambling is legal where you live. Nothing here is financial advice.
What is the largest lending dApp by TVL?
Aave V3 is the largest lending dApp by total value locked, with $15.1B. It is followed by Morpho Blue ($10.9B) and SparkLend ($5.21B). TVL figures come from DefiLlama and change daily.
Which lending dApp has the highest DappsAtlas score?
Aave V3 has the highest score at 8.6/10, ahead of Morpho Blue (8.0) and SparkLend (8.0). Scores weigh security, ease of use, fees and features, and are based only on facts we could verify.
How many lending dApps does DappsAtlas track?
DappsAtlas tracks 405 lending dApps. Of these, 405 have a full review and 266 report value locked, $41.1B in total.
What chains do most lending dApps run on?
Which lending dApps grew the most this week?
What is the average score for lending dApps?
The 281 rated lending dApps average 5.6 out of 10. Of these, 6 score 8 or higher and 62 score below 5.