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Best of · Mode · Updated

The best Lending dApps on Mode in 2026

We track 6 Lending dApps that run on Mode and have reviewed 3 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
    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%
  5. 5
    Ionic logo

    Ionic

    Lending · Mode

    Ionic is a lending project on Mode. Its team publishes little about how it works, what it costs or how funds are secured, so treat it with care.

    Read the Ionic reviewVisit Ionic(opens in a new tab)
    ScoreNot rated yet
    TVL —
  6. 6
    Ironclad Finance logo

    Ironclad Finance

    Lending · Mode

    Ironclad Finance is a lending project on Mode. Its team publishes little about how it works, what it costs or how funds are secured, so treat it with care.

    Read the Ironclad Finance reviewVisit Ironclad Finance(opens in a new tab)
    ScoreNot rated yet
    TVL —

Lending dApps on Mode: the numbers

Tracked
6
Reviewed
6
Total TVL
$10.9B
Avg. score
5.6/10

There are 6 lending dApps on Mode in the SkyBitcoins index. Every one of them has a full review. Across the 4 with TVL data, the combined value locked is $10.9B, counting value on every chain they support. Morpho Blue dominates, with 100% of that total.

By value locked, the largest lending dApps on Mode are Morpho Blue ($10.9B), LayerBank ($5.59M) and Avalon Finance ($873K). 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 3 rated lending dApps average 5.6/10, and none scores 8 or above yet.

Beyond Mode, these lending dApps most often also run on Plume (3), Kaia (3) and BNB Chain (3). All 4 with a confirmed status are active. Over the last seven days, combined TVL was roughly flat (−0.4%). LayerBank dropped the most (−4.2%).

Largest by TVL

  1. 1Morpho Blue logoMorpho Blue$10.9B
  2. 2LayerBank logoLayerBank$5.59M
  3. 3Avalon Finance logoAvalon Finance$873K
  4. 4Shoebill V2 logoShoebill V2$192K

Highest rated

  1. 1Morpho Blue logoMorpho Blue7.0
  2. 2Avalon Finance logoAvalon Finance5.2
  3. 3Shoebill V2 logoShoebill V24.5

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.

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Frequently asked questions

What is the largest lending dApp on Mode by TVL?

Morpho Blue is the largest lending dApp on Mode by total value locked, with $10.9B across all the chains it supports. It is followed by LayerBank ($5.59M) and Avalon Finance ($873K). TVL figures come from DefiLlama and change daily.

Which lending dApp on Mode 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 Mode has SkyBitcoins reviewed?

SkyBitcoins tracks 6 lending dApps on Mode. Of these, 6 have a full review and 4 report value locked, $10.9B in total, counting value on every chain they support.

Which lending dApps on Mode grew the most this week?

Among lending dApps with at least $1M locked, LayerBank the biggest drop (−4.2%). Combined TVL moved −0.4% over the same seven days.

What is the average score for lending dApps on Mode?

The 3 rated lending dApps on Mode average 5.6 out of 10. Of these, 0 score 8 or higher and 1 score below 5.