Lending · Alternatives
The best Evaa alternatives in 2026
EVAA offers TON lending through web and Telegram apps, but check market fees, rates and liquidation rules before depositing. If Evaa is not the right fit, these 12 reviewed Lending options are the closest matches, ranked by SkyBitcoins score. Read our full Evaa review
At a glance
Evaa vs the alternatives
| dApp | Score | TVL | Chains |
|---|---|---|---|
| Score 5.8 out of 10 | — | 1 | |
| Aave | Score 7.7 out of 10 | — | 1 |
| Score 7.6 out of 10 | $15.8B | 21 | |
| Score 7.2 out of 10 | $1.25B | 10 | |
| Score 7.1 out of 10 | $810M | 4 | |
| Score 7.1 out of 10 | $267M | 16 | |
| Score 7.0 out of 10 | $10.9B | 44 | |
| Score 7.0 out of 10 | $5.00B | 2 | |
| Morpho | Score 6.8 out of 10 | — | 2 |
| Score 6.8 out of 10 | — | 1 | |
| Score 6.6 out of 10 | $457K | 3 | |
| Score 6.5 out of 10 | $142M | 7 | |
| Score 6.5 out of 10 | $126M | 1 |
Ranked
Top Evaa alternatives
- 1
Aave
Lending · Ethereum
Aave is an established crypto lending protocol for supplying assets to earn variable interest or borrowing against collateral. The main trade-offs are changing rates, transaction costs and the risk of liquidation.
ScoreScore 7.7 out of 10TVL — - 2
Aave V3
Lending · Ethereum, Base, Arbitrum +18
Aave V3 lets you supply crypto to earn variable interest or borrow against collateral across multiple networks. It is non-custodial, but smart-contract, market and liquidation risks remain.
ScoreScore 7.6 out of 10TVL $15.8B+3.4% - 3
Compound V3
Lending · Ethereum, Arbitrum, Base +7
Compound V3 is an on-chain lending protocol for earning interest on supplied assets or borrowing against collateral. Check the exact market, rates and liquidation terms before supplying funds.
ScoreScore 7.2 out of 10TVL $1.25B−3.3% - 4
Aave V4
Lending · Ethereum, Arc, Avalanche +1
Aave V4 is an active, non-custodial lending protocol for supplying assets and borrowing against collateral. Its modular markets offer flexibility, but rates, network costs and smart-contract risks need checking before you deposit.
ScoreScore 7.1 out of 10TVL $810M+19.1% - 5
Euler V2
Lending · Monad, Ethereum, Base +13
Euler V2 is a modular crypto lending platform where you can supply assets, borrow against collateral or launch lending markets. Market terms and risks vary, so check the specific vault and its costs before depositing.
ScoreScore 7.1 out of 10TVL $267M−0.9% - 6
Morpho Blue
Lending · Ethereum, Base, Robinhood Chain +41
Morpho Blue lets you lend and borrow through onchain markets, or deposit into curated vaults. It is non-custodial, but smart-contract, oracle and liquidation risks can put your funds at risk.
ScoreScore 7.0 out of 10TVL $10.9B−0.4% - 7
SparkLend
Lending · Ethereum, xDai
SparkLend is an on-chain lending market for borrowing against digital assets, with rates set by governance rather than adjusted for utilization or loan size. Check the current rate, collateral rules and liquidation terms for your chosen market before depositing.
ScoreScore 7.0 out of 10TVL $5.00B+1.1% - 8
Morpho
Lending · Ethereum, Base
Morpho is a noncustodial onchain lending protocol with variable-rate markets, fixed-term markets and curated vaults. Fees and several key safety details are not published on its homepage, so check the specific market before you deposit.
ScoreScore 6.8 out of 10TVL — - 9
Euler Finance
Lending · Ethereum
Euler is a smart-contract lending platform where you can supply assets, borrow against collateral, or build lending markets. It offers flexible tools, but each market has its own risks and Euler does not publish one platform-wide fee schedule.
ScoreScore 6.8 out of 10TVL — - 10
Nolus Protocol
Lending · Solana, Neutron, Osmosis
Nolus offers fixed-rate, asset-backed spot margin trading, with up to 5x leverage and partial liquidations. Check the borrowing rate and liquidation terms before opening a position.
ScoreScore 6.6 out of 10TVL $457K−1.4% - 11
Dolomite
Lending · Ethereum, Arbitrum, Berachain +4
Dolomite combines lending and borrowing with swaps and leveraged strategies across several EVM networks. It offers flexible on-chain positions, but check current rates, contract risks and the terms for each asset before committing funds.
ScoreScore 6.5 out of 10TVL $142M−19.6% - 12
NAVI Lending
Lending · Sui
NAVI is a Sui lending protocol for earning interest on supplied crypto or borrowing against collateral. Rates move with market demand, and borrowing risks liquidation if your collateral loses value.
ScoreScore 6.5 out of 10TVL $126M−11.2%