Best of · BNB Chain · Updated Nov 8, 2026

The best Lending dApps on BNB Chain in 2026

We track 58 Lending dApps that run on BNB Chain and have reviewed 31 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
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%
3
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%
4
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%
5
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%
6
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%
7
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.
Read the Gearbox review Visit Gearbox(opens in a new tab)
ScoreScore 5.8 out of 10
TVL $22.1M−3.7%
8
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%
9
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 —
10
Lista Lending
Lending · BNB Chain, Ethereum
Lista Lending is a vault-based DeFi borrowing and lending protocol. Its fee can vary, and you should verify the market, collateral terms and contract risks before depositing.
Read the Lista Lending review Visit Lista Lending(opens in a new tab)
ScoreScore 5.2 out of 10
TVL $922M−2.0%
11
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%
12
Segment Finance
Lending · BOB, BNB Chain, BSquared +3
Segment Finance is a crypto lending protocol for depositing assets and borrowing against collateral across several networks. Check each market’s rates and liquidation rules before supplying funds.
Read the Segment Finance review Visit Segment Finance(opens in a new tab)
ScoreScore 5.2 out of 10
TVL $322K−15.4%
13
Kinza Finance
Lending · BNB Chain, Op_Bnb, Ethereum +1
Kinza Finance is a multi-chain DeFi lending protocol with BTC staking and lending features. Its fee details, named audits and current KZA availability need checking before you commit funds.
Read the Kinza Finance review
ScoreScore 5.2 out of 10
TVL —
14
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%
15
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.
Read the Native Credit Pool review Visit Native Credit Pool(opens in a new tab)
ScoreScore 4.8 out of 10
TVL $20.3M−21.5%
16
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.
Read the Teller review Visit Teller(opens in a new tab)
ScoreScore 4.8 out of 10
TVL $797K−15.2%
17
Prime Protocol
Lending · Celo, Arbitrum, Base +6
Prime Protocol is a cross-chain lending app that lets you deposit collateral on one supported network and borrow on another. Check current rates, supported assets and contract details before using it; Prime does not publish enough detail to assess those risks fully.
Read the Prime Protocol review Visit Prime Protocol(opens in a new tab)
ScoreScore 4.5 out of 10
TVL $249−0.7%
18
Townsquare
Lending · BNB Chain, Base, Monad
TownSquare combines onchain lending with curated real-world-asset vaults, but it does not publish enough detail on fees, custody or independent audits to make depositing a low-guesswork decision.
Read the Townsquare review Visit Townsquare(opens in a new tab)
ScoreScore 4.5 out of 10
TVL —
19
Everything
Lending · Arbitrum, Ethereum, BNB Chain +1
Everything is a DeFi protocol combining token swaps, lending, leverage and limit orders in shared pair contracts. Its design is documented, but fees, audits and practical beta details remain unclear.
Read the Everything review Visit Everything(opens in a new tab)
ScoreScore 4.3 out of 10
TVL $300K+2.8%
20
AImstrong
Lending · BNB Chain, Base, Arbitrum +1
AImstrong combines cross-chain borrowing with automated yield routing, but its fees, operating rules and security details need closer checking before you commit funds.
Read the AImstrong review Visit AImstrong(opens in a new tab)
ScoreScore 4.2 out of 10
TVL $169−0.7%
21
Flash Loans
Lending · Ethereum, BNB Chain
Flash Loans offers a web-based tool to build and execute flash-loan trades on Ethereum and BNB Chain. The platform’s fee rates and security checks are not published, so check them before risking funds.
Read the Flash Loans review Visit Flash Loans(opens in a new tab)
ScoreScore 4.2 out of 10
TVL —
22
Venus Flux
Lending · BNB Chain
Venus Flux is a BNB Chain lending product in the Venus ecosystem, but published detail on fees, audits and how its markets work is limited. Check costs and contract risks before supplying assets.
Read the Venus Flux review Visit Venus Flux(opens in a new tab)
ScoreScore 4.0 out of 10
TVL $1.24M−20.9%
23
Sumer.money
Lending · Berachain, Goat, Base +10
Sumer.money is a multichain lending and borrowing protocol built around synthetic assets. Its core use is clear, but check current rates, supported markets and audit details before connecting a wallet or depositing.
Read the Sumer.money review Visit Sumer.money(opens in a new tab)
ScoreScore 4.0 out of 10
TVL $675K−1.9%
24
FilDA
Lending · IoTeX, Bittorrent, Arbitrum +4
FilDA is a multi-chain DeFi lending and borrowing platform, but its published details leave key questions about fees, current markets and security scope unanswered.
Read the FilDA review Visit FilDA(opens in a new tab)
ScoreScore 4.0 out of 10
TVL $92.0K+14.8%
25
Ambit Finance
Lending · BNB Chain
Ambit Finance offers USDT yield, borrowing and leveraged positions on BNB Chain, but published fee and audit details are limited. Check the borrowing terms and smart-contract risks before depositing.
Read the Ambit Finance review Visit Ambit Finance(opens in a new tab)
ScoreScore 4.0 out of 10
TVL $63.4K−0.3%

Lending dApps on BNB Chain: the numbers

Tracked: 58
Reviewed: 58
Total TVL: $29.1B
Avg. score: 4.8/10

SkyBitcoins tracks 58 lending dApps on BNB Chain. Every one of them has a full review. Across the 41 with TVL data, the combined value locked is $29.1B, counting value on every chain they support. Aave V3 dominates, with 54% of that total. The five largest make up 100% of the total; the median is $686K.

Ranked by TVL, Aave V3 ($15.8B), Morpho Blue ($10.9B) and Venus Core Pool ($1.08B) lead the field. On SkyBitcoins scores, Aave V3 ranks first at 7.6/10, ahead of Euler V2 (7.1) and Morpho Blue (7.0). That makes Aave V3 both the biggest and the best-rated. The 31 rated lending dApps average 4.8/10, and none scores 8 or above yet.

Many also deploy elsewhere, most often on Ethereum (32), Arbitrum (30) and Base (22). Of the 39 with a confirmed status, 36 are active and 3 are inactive or wound down. Over the last seven days, combined TVL rose 1.3%. Flying Tulip Lend gained the most (+28.6%), while Native Credit Pool dropped the most (−21.5%).

Largest by TVL

1Aave V3$15.8B
2Morpho Blue$10.9B
3Venus Core Pool$1.08B
4Lista Lending$922M
5Euler V2$267M

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 BNB Chain by TVL?

Aave V3 is the largest lending dApp on BNB Chain by total value locked, with $15.8B across all the chains it supports. It is followed by Morpho Blue ($10.9B) and Venus Core Pool ($1.08B). TVL figures come from DefiLlama and change daily.

Which lending dApp on BNB Chain has the highest SkyBitcoins score?

Aave V3 has the highest score at 7.6/10, ahead of Euler V2 (7.1) and Morpho Blue (7.0). Scores weigh security, ease of use, fees and features, and are based only on facts we could verify.

How many lending dApps on BNB Chain has SkyBitcoins reviewed?

SkyBitcoins tracks 58 lending dApps on BNB Chain. Of these, 58 have a full review and 41 report value locked, $29.1B in total, counting value on every chain they support.

Which lending dApps on BNB Chain grew the most this week?

Among lending dApps with at least $1M locked, Flying Tulip Lend had the biggest 7-day TVL gain (+28.6%) and Native Credit Pool the biggest drop (−21.5%). Combined TVL moved +1.3% over the same seven days.

What is the average score for lending dApps on BNB Chain?

The 31 rated lending dApps on BNB Chain average 4.8 out of 10. Of these, 0 score 8 or higher and 17 score below 5.

Ranked list