Best of · xDai · Updated
The best Lending dApps on xDai in 2026
We track 7 Lending dApps that run on xDai and have reviewed 5 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
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% - 3
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% - 4
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% - 5
Hundred Finance
Lending · Arbitrum, Fantom, Polygon +5
Hundred Finance is a Compound-style DeFi lending protocol with a serious 2023 exploit in its history. Its current operating status and the safety of its markets are unclear, so verify the specific contracts before connecting a wallet or supplying funds.
ScoreScore 2.5 out of 10TVL $67.0K+1.4% - 6
Agave
Lending · xDai
Agave is described as a Gnosis lending protocol, but its official site currently displays unrelated gambling content. There isn’t enough reliable detail to recommend connecting a wallet.
ScoreNot rated yetTVL $85.1K+0.3% - 7
Augmented Finance
Lending · Avalanche, Ethereum, BNB Chain +1
Augmented Finance is a lending project on Avalanche, Ethereum, Bnb Chain and xDai. Its team publishes little about how it works, what it costs or how funds are secured, so treat it with care.
ScoreNot rated yetTVL —
Lending dApps on xDai: the numbers
- Tracked
- 7
- Reviewed
- 7
- Total TVL
- $31.7B
- Avg. score
- 6.1/10
The SkyBitcoins index lists 7 lending dApps on xDai. Every one of them has a full review. The 6 that report TVL hold $31.7B between them, counting value on every chain they support. Aave V3 is the clear leader, holding 50% of it. The top five account for 100%, while the median lending dApp holds $85.1K.
By value locked, the largest lending dApps on xDai are Aave V3 ($15.8B), Morpho Blue ($10.9B) and SparkLend ($5.00B). On SkyBitcoins scores, Aave V3 ranks first at 7.6/10, ahead of Morpho Blue (7.0) and SparkLend (7.0). That makes Aave V3 both the biggest and the best-rated. The 5 rated lending dApps average 6.1/10, and none scores 8 or above yet.
Many also deploy elsewhere, most often on Ethereum (6), Arbitrum (4) and BNB Chain (4). All 4 with a confirmed status are active. In the past week, total value locked rose 1.7%. Aave V3 gained the most (+3.4%), while Morpho Blue dropped the most (−0.4%).
Largest by TVL
- 1
Aave V3$15.8B
- 2
Morpho Blue$10.9B
- 3
SparkLend$5.00B
- 4
Agave$85.1K
- 5
Hundred Finance$67.0K
Highest rated
- 1
- 2
- 3
- 4
PWN6.2
- 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.
Guides
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Frequently asked questions
What is the largest lending dApp on xDai by TVL?
Aave V3 is the largest lending dApp on xDai by total value locked, with $15.8B across all the chains it supports. It is followed by Morpho Blue ($10.9B) and SparkLend ($5.00B). TVL figures come from DefiLlama and change daily.
Which lending dApp on xDai has the highest SkyBitcoins score?
Aave V3 has the highest score at 7.6/10, ahead of Morpho Blue (7.0) and SparkLend (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 xDai has SkyBitcoins reviewed?
SkyBitcoins tracks 7 lending dApps on xDai. Of these, 7 have a full review and 6 report value locked, $31.7B in total, counting value on every chain they support.
Which lending dApps on xDai grew the most this week?
Among lending dApps with at least $1M locked, Aave V3 had the biggest 7-day TVL gain (+3.4%) and Morpho Blue the biggest drop (−0.4%). Combined TVL moved +1.7% over the same seven days.
What is the average score for lending dApps on xDai?
The 5 rated lending dApps on xDai average 6.1 out of 10. Of these, 0 score 8 or higher and 1 score below 5.