Uncollateralized Lending · Alternatives
The best Union Protocol alternatives in 2026
Union offers vouch-based, uncollateralized credit, but check current rates and terms carefully: no audit is listed. If Union Protocol is not the right fit, these 10 reviewed Uncollateralized Lending options are the closest matches, ranked by SkyBitcoins score. Read our full Union Protocol review
At a glance
Union Protocol vs the alternatives
| dApp | Score | TVL | Chains |
|---|---|---|---|
| Score 4.5 out of 10 | $266K | 4 | |
| Score 5.5 out of 10 | $2.95K | 3 | |
| Score 5.2 out of 10 | $11.1M | 1 | |
| Score 5.2 out of 10 | $2.71M | 2 | |
| Score 5.2 out of 10 | $200K | 9 | |
| Score 5.1 out of 10 | $1.24K | 4 | |
| Score 5.0 out of 10 | $97.0K | 1 | |
| Score 4.5 out of 10 | — | 8 | |
| Score 3.5 out of 10 | — | 1 | |
| Rocifi | Score 3.2 out of 10 | — | 2 |
| Score 3.0 out of 10 | $12.5K | 1 |
Ranked
Top Union Protocol alternatives
- 1
Kasu
Uncollateralized Lending · Base, XDC, Plume
Kasu lets you lend to businesses through private-credit strategies, with advertised rates of 9–20% p.a. Returns are not guaranteed, and your capital is at risk.
ScoreScore 5.5 out of 10TVL $2.95K+9.2% - 2
3Jane Lending
Uncollateralized Lending · Ethereum
3Jane offers a way to supply USDC into credit-backed USD3 and stake it as sUSD3. The yield comes with borrower credit risk, and key withdrawal, fee and audit details need checking before you deposit.
ScoreScore 5.2 out of 10TVL $11.1M−7.8% - 3
Wildcat Protocol
Uncollateralized Lending · Ethereum, Plasma
Wildcat lets borrowers create configurable, undercollateralized credit markets and lenders choose whether to fund them. It may suit experienced users who can assess borrowers and tolerate losses.
ScoreScore 5.2 out of 10TVL $2.71M−83.1% - 4
Clearpool Lending
Uncollateralized Lending · Base, Ethereum, Optimism +6
Clearpool connects institutional borrowers with lenders through permissioned, on-chain credit pools. You can assess the model and its risks, but check pool access, terms and borrower protections before committing funds.
ScoreScore 5.2 out of 10TVL $200K−0.1% - 5
cSigma Finance
Uncollateralized Lending · Ethereum, Arbitrum, Hedera +1
cSigma offers stablecoin yield through real-world credit and DeFi strategies, but its returns, withdrawal timing and pool risks need careful checking before you deposit.
ScoreScore 5.1 out of 10TVL $1.24K−0.1% - 6
3Jane Options
Uncollateralized Lending · Ethereum
3Jane presents itself as a credit-backed yieldcoin and lending protocol, not an options vault. You can deposit USDC to mint USD3 or stake for sUSD3, but check the credit, redemption and smart-contract risks before committing funds.
ScoreScore 5.0 out of 10TVL $97.0K−0.9% - 7
Bion
Uncollateralized Lending · Ethereum, Base, Arbitrum +5
Bion offers reusable stablecoin credit based on on-chain wallet activity, with spending and repayments settled in USDC on Base. Its sample fee is not a substitute for checking your personal terms.
ScoreScore 4.5 out of 10TVL — - 8
BNPL Pay
Uncollateralized Lending · Ethereum
BNPL Pay connects lenders with buy-now-pay-later providers through Ethereum liquidity pools. Its model is understandable, but published details on fees, loan performance and safeguards are too limited to treat its promised returns as dependable.
ScoreScore 3.5 out of 10TVL — - 9
Rocifi
Uncollateralized Lending · Polygon, zkSync Era
RociFi is an under-collateralized DeFi lending protocol built around on-chain credit scoring. Its current availability, costs and security status are not confirmed, so verify the live contracts and terms before connecting a wallet or seeking a loan.
ScoreScore 3.2 out of 10TVL — - 10
Credit
Uncollateralized Lending · World Chain
Credit is a World Chain lending protocol where you can supply and withdraw USDC; borrowing is also listed. Its fees, yields and security details are too sparse to judge confidently, so verify the terms before putting funds in.
ScoreScore 3.0 out of 10TVL $12.5K−49.6%