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Best of · Kaia · Updated

The best Lending dApps on Kaia in 2026

We track 5 Lending dApps that run on Kaia and have reviewed 4 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
    Avalon Finance logo

    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 reviewVisit Avalon Finance(opens in a new tab)
    ScoreScore 5.2 out of 10
    TVL $873K−24.4%
  3. 3
    Shoebill V2 logo

    Shoebill V2

    Lending · Manta, Mode, Wemix +7

    Shoebill V2 is a multichain lending protocol with support for liquid-staking-token leverage. It may suit experienced DeFi users, but check borrowing costs, audit scope and liquidation risks before supplying assets.

    Read the Shoebill V2 reviewVisit Shoebill V2(opens in a new tab)
    ScoreScore 4.5 out of 10
    TVL $192K−0.9%
  4. 4
    Rhombus Protocol logo

    Rhombus Protocol

    Lending · Kaia

    Rhombus is a non-custodial lending protocol on Kaia, with variable- and stable-rate markets. Before using it, check the market details and contract risks: asset support, fees and audit specifics are not published clearly.

    Read the Rhombus Protocol reviewVisit Rhombus Protocol(opens in a new tab)
    ScoreScore 4.0 out of 10
    TVL $1.11K−5.4%
  5. 5
    Mesher logo

    Mesher

    Lending · Ethereum, Kaia

    Mesher is described as a money-market protocol and oracle, but there is too little published detail to assess its costs or safety before using it.

    Read the Mesher reviewVisit Mesher(opens in a new tab)
    ScoreNot rated yet
    TVL $239K−2.5%

Lending dApps on Kaia: the numbers

Tracked
5
Reviewed
5
Total TVL
$10.9B
Avg. score
5.2/10

There are 5 lending dApps on Kaia in the SkyBitcoins index. Every one of them has a full review. Combined, they lock $10.9B, counting value on every chain they support. Morpho Blue dominates, with 100% of that total.

Ranked by TVL, Morpho Blue ($10.9B), Avalon Finance ($873K) and Mesher ($239K) lead the field. The best-rated is Morpho Blue with 7.0/10, followed by Avalon Finance (5.2) and Shoebill V2 (4.5). That makes Morpho Blue both the biggest and the best-rated. The 4 rated lending dApps average 5.2/10, and none scores 8 or above yet.

Beyond Kaia, these lending dApps most often also run on Ethereum (3), Mode (3) and Base (2). All 5 with a confirmed status are active. In the past week, total value locked was roughly flat (−0.4%).

Largest by TVL

  1. 1Morpho Blue logoMorpho Blue$10.9B
  2. 2Avalon Finance logoAvalon Finance$873K
  3. 3Mesher logoMesher$239K
  4. 4Shoebill V2 logoShoebill V2$192K
  5. 5Rhombus Protocol logoRhombus Protocol$1.11K

Highest rated

  1. 1Morpho Blue logoMorpho Blue7.0
  2. 2Avalon Finance logoAvalon Finance5.2
  3. 3Shoebill V2 logoShoebill V24.5
  4. 4Rhombus Protocol logoRhombus Protocol4.0

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 Kaia by TVL?

Morpho Blue is the largest lending dApp on Kaia by total value locked, with $10.9B across all the chains it supports. It is followed by Avalon Finance ($873K) and Mesher ($239K). TVL figures come from DefiLlama and change daily.

Which lending dApp on Kaia has the highest SkyBitcoins score?

Morpho Blue has the highest score at 7.0/10, ahead of Avalon Finance (5.2) and Shoebill V2 (4.5). Scores weigh security, ease of use, fees and features, and are based only on facts we could verify.

How many lending dApps on Kaia has SkyBitcoins reviewed?

SkyBitcoins tracks 5 lending dApps on Kaia. Of these, 5 have a full review and 5 report value locked, $10.9B in total, counting value on every chain they support.

Which lending dApps on Kaia grew the most this week?

Among lending dApps with at least $1M locked, . Combined TVL moved −0.4% over the same seven days.

What is the average score for lending dApps on Kaia?

The 4 rated lending dApps on Kaia average 5.2 out of 10. Of these, 0 score 8 or higher and 2 score below 5.