Best of · Arbitrum · Updated
The best Lending dApps on Arbitrum in 2026
We track 65 Lending dApps that run on Arbitrum and have reviewed 36 of them in full. Our top pick is Aave V3. Each one is scored on security, ease of use, fees and features.
Ranked list
- 1
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% - 2
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% - 3
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% - 4
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% - 5
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% - 6
TermFinance Vaults
Lending · Avalanche, Ethereum, Plasma +3
Term Finance matches crypto borrowers and lenders through on-chain auctions to set fixed rates. Its model is clear, but check the fee schedule, contract audits and current token details before committing funds.
ScoreScore 6.2 out of 10TVL $1.68M+0.3% - 7
PWN
Lending · Polygon, Ethereum, Arbitrum +9
PWN lets you arrange fixed-term, peer-to-peer crypto loans using tokens or NFTs as collateral. Its no-liquidation design avoids price-triggered liquidations, but default and smart-contract risk remain.
ScoreScore 6.2 out of 10TVL $21.1K−0.4% - 8
Venus Core Pool
Lending · BNB Chain, Ethereum, Arbitrum +5
Venus Core Pool is a multi-chain crypto lending market for supplying assets or borrowing against collateral. Rates and risk depend on the market you choose, so check the live terms and collateral rules before committing funds.
ScoreScore 5.8 out of 10TVL $1.08B−5.7% - 9
Gearbox
Lending · Ethereum, Etherlink, Monad +8
Gearbox offers on-chain lending, leverage and credit products, including infrastructure for tokenised assets. It may suit DeFi users and institutions, but check the product’s fees, eligibility rules and risk terms before committing funds.
ScoreScore 5.8 out of 10TVL $22.1M−3.7% - 10
TermFinance Lend
Lending · Ethereum, Arbitrum, Plasma +2
Term Finance lets you lend or borrow against crypto at a fixed rate set through auctions. Before using it, check the current auction terms, collateral rules and costs: several important risk and fee details aren’t published.
ScoreScore 5.8 out of 10TVL $3.36M−4.5% - 11
MortgageFi
Lending · Base, Arbitrum, Ethereum
MortgageFi offers crypto-backed borrowing with fixed terms and no price-based liquidations. Rates, fees and default-resolution details are important things to check before you commit funds.
ScoreScore 5.8 out of 10TVL $927K−2.3% - 12
TermMax
Lending · Ethereum, Berachain, BNB Chain +6
TermMax is a DeFi lending marketplace for fixed-rate, fixed-maturity borrowing and lending, plus leveraged positions and curated vaults. Its main appeal is predictable rates; check the market terms, fees and maturity rules before committing funds.
ScoreScore 5.8 out of 10TVL $686K−1.4% - 13
Impermax V3
Lending · Base, Unichain, Hyperliquid L1 +1
Impermax V3 lets you lend assets or borrow against LP tokens for leveraged yield farming. Its audits and bug bounty are positives, but check contract scope, market terms and liquidation risk before depositing.
ScoreScore 5.8 out of 10TVL $2.23K−1.8% - 14
Venus Protocol
Lending · BNB Chain, Ethereum, Arbitrum +1
Venus is a multichain DeFi lending protocol for supplying crypto and borrowing against collateral. Rates and liquidation risks vary by market, and a reported 2026 exploit makes checking current market status especially important.
ScoreScore 5.4 out of 10TVL — - 15
Revert Lend
Lending · Base, Arbitrum, Ethereum
Revert Lend lets you borrow ERC-20 tokens against Uniswap v3 liquidity positions on Base, Arbitrum and Ethereum. Before using it, check current borrowing costs, liquidation terms and which contracts were audited.
ScoreScore 5.3 out of 10TVL $6.67M+12.0% - 16
Avalon Finance
Lending · IoTeX, BNB Chain, Bitlayer +18
Avalon Finance offers Bitcoin-linked lending, borrowing and yield across many chains. Its advertised rates and custody claims need careful checking before you commit funds.
ScoreScore 5.2 out of 10TVL $873K−24.4% - 17
Impermax V2
Lending · Polygon, Ethereum, Base +12
Impermax V2 lets you use liquidity-provider (LP) tokens to borrow and pursue leveraged yield farming. The strategy can magnify losses as well as returns, and fees and liquidation rules need checking before you commit funds.
ScoreScore 5.2 out of 10TVL $514K−1.8% - 18
Secured Finance Lending
Lending · Ethereum, Filecoin, Arbitrum +2
Secured Finance offers on-chain fixed-rate lending and borrowing through orderbook markets, with support listed across five networks. Its fees, access requirements and the scope of its audits need checking before you commit funds.
ScoreScore 5.2 out of 10TVL $243K−1.0% - 19
Folks Finance xChain
Lending · Avalanche, Polygon, Monad +5
Folks Finance xChain lets you lend, borrow and swap across multiple networks, but fees and rates aren’t published here. The app is scheduled to shut down on March 31, 2027, so plan to withdraw before then.
ScoreScore 5.0 out of 10TVL $3.44M−7.2% - 20
Native Credit Pool
Lending · Morph, Ethereum, BNB Chain +4
Native Credit Pool lets you supply a single asset to pools used by market makers for trading. The lending model is clear, but fees, yield terms and the risks of each pool need closer checking before you deposit.
ScoreScore 4.8 out of 10TVL $20.3M−21.5% - 21
Teller
Lending · Base, Ethereum, Arbitrum +6
Teller combines on-chain, asset-backed borrowing with pre-qualification for loans from third-party lenders. Check the specific loan terms, repayment deadlines and collateral risks before proceeding.
ScoreScore 4.8 out of 10TVL $797K−15.2% - 22
Fluid Lending
Lending · Ethereum, Arbitrum, Plasma +2
Fluid Lending lets you supply stablecoins or ETH and borrow against isolated vaults. Its rates, fees and security details are not clear enough to assess the cost or risk without checking the terms for your chosen market.
ScoreScore 4.5 out of 10TVL $614M+0.3% - 23
Curve LlamaLend
Lending · Ethereum, Arbitrum, Fraxtal +1
Curve LlamaLend is a DeFi lending system for borrowing or lending around crvUSD and collateral markets. Its soft-liquidation design may reduce abrupt liquidations, but fees, market terms and audit coverage need checking before you commit funds.
ScoreScore 4.5 out of 10TVL $95.5M−2.8% - 24
Fraxlend
Lending · Ethereum, Fraxtal, Arbitrum
Fraxlend is an active onchain lending platform for ERC-20 token pairs on Ethereum, Fraxtal and Arbitrum. Its market choices and costs depend on the pair; check the current terms and risk controls before supplying funds or borrowing.
ScoreScore 4.5 out of 10TVL $20.6M−2.2% - 25
Silo V2
Lending · Sonic, Avalanche, Arbitrum +1
Silo V2 offers permissionless, risk-isolated lending markets on four chains. You can assess its basic purpose, but published details on fees, market parameters and security are sparse.
ScoreScore 4.5 out of 10TVL $3.91M−24.8%
Lending dApps on Arbitrum: the numbers
- Tracked
- 65
- Reviewed
- 65
- Total TVL
- $30.3B
- Avg. score
- 5.0/10
SkyBitcoins tracks 65 lending dApps on Arbitrum. Every one of them has a full review. The 56 that report TVL hold $30.3B between them, counting value on every chain they support. Aave V3 dominates, with 52% of that total. The five largest make up 98% of the total; the median is $470K.
By value locked, the largest lending dApps on Arbitrum are Aave V3 ($15.8B), Morpho Blue ($10.9B) and Compound V3 ($1.25B). The best-rated is Aave V3 with 7.6/10, followed by Compound V3 (7.2) and Euler V2 (7.1). That makes Aave V3 both the biggest and the best-rated. The 36 rated lending dApps average 5.0/10, and none scores 8 or above yet.
Many also deploy elsewhere, most often on Ethereum (48), Base (36) and BNB Chain (30). Of the 48 with a confirmed status, 44 are active and 4 are inactive or wound down. Over the last seven days, combined TVL rose 1.1%. Revert Lend gained the most (+12.0%), while Silo V2 dropped the most (−24.8%).
Largest by TVL
- 1
Aave V3$15.8B
- 2
Morpho Blue$10.9B
- 3
Compound V3$1.25B
- 4
Venus Core Pool$1.08B
- 5
Fluid Lending$614M
Highest rated
- 1
- 2
- 3
Euler V27.1
- 4
- 5
Dolomite6.5
Method
How we ranked them
Reviewed dApps come first. Each SkyBitcoins review scores security, ease of use, fees and features from 0 to 10 using public facts such as audits, documentation and on-chain data; the overall score orders the list, with total value locked as the tie-breaker. Projects we have not reviewed yet follow, ordered by total value locked. Scores are never sold.
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Frequently asked questions
What is the largest lending dApp on Arbitrum by TVL?
Aave V3 is the largest lending dApp on Arbitrum by total value locked, with $15.8B across all the chains it supports. It is followed by Morpho Blue ($10.9B) and Compound V3 ($1.25B). TVL figures come from DefiLlama and change daily.
Which lending dApp on Arbitrum has the highest SkyBitcoins score?
Aave V3 has the highest score at 7.6/10, ahead of Compound V3 (7.2) and Euler V2 (7.1). Scores weigh security, ease of use, fees and features, and are based only on facts we could verify.
How many lending dApps on Arbitrum has SkyBitcoins reviewed?
SkyBitcoins tracks 65 lending dApps on Arbitrum. Of these, 65 have a full review and 56 report value locked, $30.3B in total, counting value on every chain they support.
Which lending dApps on Arbitrum grew the most this week?
Among lending dApps with at least $1M locked, Revert Lend had the biggest 7-day TVL gain (+12.0%) and Silo V2 the biggest drop (−24.8%). Combined TVL moved +1.1% over the same seven days.
What is the average score for lending dApps on Arbitrum?
The 36 rated lending dApps on Arbitrum average 5.0 out of 10. Of these, 0 score 8 or higher and 17 score below 5.