Best of · Base · Updated Nov 8, 2026

The best Lending dApps on Base in 2026

We track 58 Lending dApps that run on Base and have reviewed 40 of them in full. Our top pick is Aave V3. Each one is scored on security, ease of use, fees and features.

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.
Read the Aave V3 review Visit Aave V3(opens in a new tab)
ScoreScore 7.6 out of 10
TVL $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.
Read the Compound V3 review Visit Compound V3(opens in a new tab)
ScoreScore 7.2 out of 10
TVL $1.25B−3.3%
3
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.
Read the Aave V4 review Visit Aave V4(opens in a new tab)
ScoreScore 7.1 out of 10
TVL $810M+19.1%
4
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.
Read the Euler V2 review Visit Euler V2(opens in a new tab)
ScoreScore 7.1 out of 10
TVL $267M−0.9%
5
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.
Read the Morpho Blue review Visit Morpho Blue(opens in a new tab)
ScoreScore 7.0 out of 10
TVL $10.9B−0.4%
6
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.
Read the Morpho review
ScoreScore 6.8 out of 10
TVL —
7
40 Acres
Lending · Avalanche, Base, Optimism
40 Acres lets you borrow USDC against rewards from supported vote-escrowed NFTs, with those rewards repaying the loan. The no-liquidation design may suit long-term holders, but reward income, contract risk and the reward-share fee still matter.
Read the 40 Acres review Visit 40 Acres(opens in a new tab)
ScoreScore 6.3 out of 10
TVL $2.43M+2.1%
8
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.
Read the TermFinance Vaults review Visit TermFinance Vaults(opens in a new tab)
ScoreScore 6.2 out of 10
TVL $1.68M+0.3%
9
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.
Read the PWN review Visit PWN(opens in a new tab)
ScoreScore 6.2 out of 10
TVL $21.1K−0.4%
10
Moonwell
Lending · Base, Optimism, Moonbeam
Moonwell lets you supply crypto to earn lending returns or borrow against collateral on supported networks. Rates, collateral rules and transaction costs can vary by market, so check them before you commit funds.
Read the Moonwell review
ScoreScore 6.2 out of 10
TVL —
11
Mystic Finance Lending
Lending · Flare, Citrea, Plume +2
Mystic is a non-custodial lending app for EVM networks, with vaults, isolated borrowing markets, swaps and PLUME liquid staking. Check market liquidity and contract risk before supplying funds.
Read the Mystic Finance Lending review Visit Mystic Finance Lending(opens in a new tab)
ScoreScore 6.0 out of 10
TVL $31.6M+0.5%
12
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.
Read the Venus Core Pool review Visit Venus Core Pool(opens in a new tab)
ScoreScore 5.8 out of 10
TVL $1.08B−5.7%
13
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.
Read the TermFinance Lend review Visit TermFinance Lend(opens in a new tab)
ScoreScore 5.8 out of 10
TVL $3.36M−4.5%
14
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.
Read the MortgageFi review Visit MortgageFi(opens in a new tab)
ScoreScore 5.8 out of 10
TVL $927K−2.3%
15
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.
Read the TermMax review Visit TermMax(opens in a new tab)
ScoreScore 5.8 out of 10
TVL $686K−1.4%
16
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.
Read the Impermax V3 review Visit Impermax V3(opens in a new tab)
ScoreScore 5.8 out of 10
TVL $2.23K−1.8%
17
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.
Read the Venus Protocol review Visit Venus Protocol(opens in a new tab)
ScoreScore 5.4 out of 10
TVL —
18
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.
Read the Revert Lend review Visit Revert Lend(opens in a new tab)
ScoreScore 5.3 out of 10
TVL $6.67M+12.0%
19
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.
Read the Avalon Finance review Visit Avalon Finance(opens in a new tab)
ScoreScore 5.2 out of 10
TVL $873K−24.4%
20
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.
Read the Impermax V2 review Visit Impermax V2(opens in a new tab)
ScoreScore 5.2 out of 10
TVL $514K−1.8%
21
PrimeFi
Lending · Hyperliquid L1, Base, XDC
PrimeFi is a cross-chain lending protocol on Base, HyperEVM and XDC. You can supply assets and, where cross-chain delivery is enabled, borrow on another network; check market terms and contract risks before depositing.
Read the PrimeFi review Visit PrimeFi(opens in a new tab)
ScoreScore 5.2 out of 10
TVL $1.15K−23.4%
22
Moonwell Lending
Lending · Base, Ethereum, Optimism +1
Moonwell is an onchain lending protocol for supplying crypto and borrowing against collateral. Rates, fees and key trust details need checking before you deposit.
Read the Moonwell Lending review Visit Moonwell Lending(opens in a new tab)
ScoreScore 5.0 out of 10
TVL $8.44M−6.0%
23
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.
Read the Folks Finance xChain review Visit Folks Finance xChain(opens in a new tab)
ScoreScore 5.0 out of 10
TVL $3.44M−7.2%
24
Moonwell Apollo
Lending · Moonriver, Base, Optimism +1
Moonwell Apollo is a DeFi lending and borrowing protocol associated with Moonbeam and Moonriver. It may suit experienced wallet users, but check the current markets, rates and audit coverage before supplying funds.
Read the Moonwell Apollo review Visit Moonwell Apollo(opens in a new tab)
ScoreScore 5.0 out of 10
TVL $0
25
Steakhouse Usdc Base Morpho Vault
Lending · Base
Steakhouse USDC is a Base lending vault built on Morpho, not a standalone token to trade. It may suit USDC holders seeking lending yield, but check the vault’s current markets, liquidity and fees before depositing.
Read the Steakhouse Usdc Base Morpho Vault review Visit Steakhouse Usdc Base Morpho Vault(opens in a new tab)
ScoreScore 5.0 out of 10
TVL —

Lending dApps on Base: the numbers

Tracked: 58
Reviewed: 58
Total TVL: $30.8B
Avg. score: 5.1/10

SkyBitcoins tracks 58 lending dApps on Base. Every one of them has a full review. Across the 50 with TVL data, the combined value locked is $30.8B, counting value on every chain they support. Aave V3 dominates, with 51% of that total. The five largest make up 97% of the total; the median is $679K.

By value locked, the largest lending dApps on Base 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 Aave V4 (7.1). That makes Aave V3 both the biggest and the best-rated. The 40 rated lending dApps average 5.1/10, and none scores 8 or above yet.

Many also deploy elsewhere, most often on Ethereum (43), Arbitrum (36) and BNB Chain (22). Of the 49 with a confirmed status, 43 are active and 6 are inactive or wound down. Over the last seven days, combined TVL rose 1.6%. Aave V4 gained the most (+19.1%), while Capyfi dropped the most (−39.0%).

Largest by TVL

1Aave V3$15.8B
2Morpho Blue$10.9B
3Compound V3$1.25B
4Venus Core Pool$1.08B
5Aave V4$810M

Highest rated

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.

Guides

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Frequently asked questions

What is the largest lending dApp on Base by TVL?

Aave V3 is the largest lending dApp on Base 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 Base has the highest SkyBitcoins score?

Aave V3 has the highest score at 7.6/10, ahead of Compound V3 (7.2) and Aave V4 (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 Base has SkyBitcoins reviewed?

SkyBitcoins tracks 58 lending dApps on Base. Of these, 58 have a full review and 50 report value locked, $30.8B in total, counting value on every chain they support.

Which lending dApps on Base grew the most this week?

Among lending dApps with at least $1M locked, Aave V4 had the biggest 7-day TVL gain (+19.1%) and Capyfi the biggest drop (−39.0%). Combined TVL moved +1.6% over the same seven days.

What is the average score for lending dApps on Base?

The 40 rated lending dApps on Base average 5.1 out of 10. Of these, 0 score 8 or higher and 15 score below 5.

Ranked list