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Best of · Hemi · Updated

The best Lending dApps on Hemi in 2026

We track 6 Lending dApps that run on Hemi and have reviewed 5 of them in full. Our top pick is Morpho Blue. Each one is scored on security, ease of use, fees and features.

Ranked list

  1. 1
    Morpho Blue logo

    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 reviewVisit Morpho Blue(opens in a new tab)
    ScoreScore 7.0 out of 10
    TVL $10.9B−0.4%
  2. 2
    Gearbox logo

    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 reviewVisit Gearbox(opens in a new tab)
    ScoreScore 5.8 out of 10
    TVL $22.1M−3.7%
  3. 3
    Solera logo

    Solera

    Lending · Plume, Hemi

    Solera is a DeFi lending app with vaults on Plume and Hemi, including RWA-focused options. Check each vault’s strategy, current yield and withdrawal liquidity before depositing.

    Read the Solera reviewVisit Solera(opens in a new tab)
    ScoreScore 5.0 out of 10
    TVL $1.11M−8.2%
  4. 4
    Sumer.money logo

    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 reviewVisit Sumer.money(opens in a new tab)
    ScoreScore 4.0 out of 10
    TVL $675K−1.9%
  5. 5
    ZeroLend Lending logo

    ZeroLend Lending

    Lending · zkSync Era, Manta, Abstract +8

    ZeroLend was a multi-chain lending protocol, but it announced it was ceasing operations in February 2026. Treat it as shut down: don’t open a position or deposit funds.

    Read the ZeroLend Lending reviewVisit ZeroLend Lending(opens in a new tab)
    ScoreScore 1.0 out of 10
    TVL $841K−1.8%
  6. 6
    LayerBank logo

    LayerBank

    Lending · Robinhood Chain, Rsk, BOB +13

    LayerBank is a multichain crypto lending protocol, but key details about its markets, costs and security are unclear. Verify the specific network and terms before supplying funds.

    Read the LayerBank reviewVisit LayerBank(opens in a new tab)
    ScoreNot rated yet
    TVL $5.59M−4.2%

Lending dApps on Hemi: the numbers

Tracked
6
Reviewed
6
Total TVL
$10.9B
Avg. score
4.6/10

The SkyBitcoins index lists 6 lending dApps on Hemi. Every one of them has a full review. Together they hold $10.9B in total value locked, counting value on every chain they support. Morpho Blue dominates, with 100% of that total. The five largest make up 100% of the total; the median is $1.11M.

Ranked by TVL, Morpho Blue ($10.9B), Gearbox ($22.1M) and LayerBank ($5.59M) lead the field. The best-rated is Morpho Blue with 7.0/10, followed by Gearbox (5.8) and Solera (5.0). That makes Morpho Blue both the biggest and the best-rated. The 5 rated lending dApps average 4.6/10, and none scores 8 or above yet.

Beyond Hemi, these lending dApps most often also run on Ethereum (4), BNB Chain (4) and Base (3). Of the 6 with a confirmed status, 5 are active and 1 is inactive or wound down. Over the last seven days, combined TVL was roughly flat (−0.4%). Solera dropped the most (−8.2%).

Largest by TVL

  1. 1Morpho Blue logoMorpho Blue$10.9B
  2. 2Gearbox logoGearbox$22.1M
  3. 3LayerBank logoLayerBank$5.59M
  4. 4Solera logoSolera$1.11M
  5. 5ZeroLend Lending logoZeroLend Lending$841K

Highest rated

  1. 1Morpho Blue logoMorpho Blue7.0
  2. 2Gearbox logoGearbox5.8
  3. 3Solera logoSolera5.0
  4. 4Sumer.money logoSumer.money4.0
  5. 5ZeroLend Lending logoZeroLend Lending1.0

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 Hemi by TVL?

Morpho Blue is the largest lending dApp on Hemi by total value locked, with $10.9B across all the chains it supports. It is followed by Gearbox ($22.1M) and LayerBank ($5.59M). TVL figures come from DefiLlama and change daily.

Which lending dApp on Hemi has the highest SkyBitcoins score?

Morpho Blue has the highest score at 7.0/10, ahead of Gearbox (5.8) and Solera (5.0). Scores weigh security, ease of use, fees and features, and are based only on facts we could verify.

How many lending dApps on Hemi has SkyBitcoins reviewed?

SkyBitcoins tracks 6 lending dApps on Hemi. Of these, 6 have a full review and 6 report value locked, $10.9B in total, counting value on every chain they support.

Which lending dApps on Hemi grew the most this week?

Among lending dApps with at least $1M locked, Solera the biggest drop (−8.2%). Combined TVL moved −0.4% over the same seven days.

What is the average score for lending dApps on Hemi?

The 5 rated lending dApps on Hemi average 4.6 out of 10. Of these, 0 score 8 or higher and 2 score below 5.