Best of · Optimism · Updated Nov 8, 2026

The best Lending dApps on Optimism in 2026

We track 30 Lending dApps that run on Optimism and have reviewed 17 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
Compound V3
Lending · Ethereum, Arbitrum, Base +7
Compound V3 is an on-chain lending protocol for earning interest on supplied assets or borrowing against collateral. Check the exact market, rates and liquidation terms before supplying funds.
Read the Compound V3 review Visit Compound V3(opens in a new tab)
ScoreScore 7.2 out of 10
TVL $1.25B−3.3%
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
40 Acres
Lending · Avalanche, Base, Optimism
40 Acres lets you borrow USDC against rewards from supported vote-escrowed NFTs, with those rewards repaying the loan. The no-liquidation design may suit long-term holders, but reward income, contract risk and the reward-share fee still matter.
Read the 40 Acres review Visit 40 Acres(opens in a new tab)
ScoreScore 6.3 out of 10
TVL $2.43M+2.1%
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
Moonwell
Lending · Base, Optimism, Moonbeam
Moonwell lets you supply crypto to earn lending returns or borrow against collateral on supported networks. Rates, collateral rules and transaction costs can vary by market, so check them before you commit funds.
Read the Moonwell review
ScoreScore 6.2 out of 10
TVL —
7
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%
8
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%
9
Impermax V2
Lending · Polygon, Ethereum, Base +12
Impermax V2 lets you use liquidity-provider (LP) tokens to borrow and pursue leveraged yield farming. The strategy can magnify losses as well as returns, and fees and liquidation rules need checking before you commit funds.
Read the Impermax V2 review Visit Impermax V2(opens in a new tab)
ScoreScore 5.2 out of 10
TVL $514K−1.8%
10
Moonwell Lending
Lending · Base, Ethereum, Optimism +1
Moonwell is an onchain lending protocol for supplying crypto and borrowing against collateral. Rates, fees and key trust details need checking before you deposit.
Read the Moonwell Lending review Visit Moonwell Lending(opens in a new tab)
ScoreScore 5.0 out of 10
TVL $8.44M−6.0%
11
Moonwell Apollo
Lending · Moonriver, Base, Optimism +1
Moonwell Apollo is a DeFi lending and borrowing protocol associated with Moonbeam and Moonriver. It may suit experienced wallet users, but check the current markets, rates and audit coverage before supplying funds.
Read the Moonwell Apollo review Visit Moonwell Apollo(opens in a new tab)
ScoreScore 5.0 out of 10
TVL $0
12
Curve LlamaLend
Lending · Ethereum, Arbitrum, Fraxtal +1
Curve LlamaLend is a DeFi lending system for borrowing or lending around crvUSD and collateral markets. Its soft-liquidation design may reduce abrupt liquidations, but fees, market terms and audit coverage need checking before you commit funds.
Read the Curve LlamaLend review Visit Curve LlamaLend(opens in a new tab)
ScoreScore 4.5 out of 10
TVL $95.5M−2.8%
13
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%
14
EtherFi Borrowing Market
Lending · Optimism, Scroll
EtherFi Borrowing Market is a crypto lending product on Optimism and Scroll. Ether.fi promotes borrowing without selling your assets, but publishes few market-specific details about rates, collateral limits or liquidation rules.
Read the EtherFi Borrowing Market review Visit EtherFi Borrowing Market(opens in a new tab)
ScoreScore 4.0 out of 10
TVL $301M−0.2%
15
Granary Finance
Lending · Optimism, Metis, Arbitrum +5
Granary Finance is a decentralized lending protocol across several EVM chains. Its core purpose is clear, but limited published details on fees, audits and operation make it hard to assess before you deposit.
Read the Granary Finance review
ScoreScore 3.5 out of 10
TVL $154K−1.6%
16
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.
Read the Hundred Finance review
ScoreScore 2.5 out of 10
TVL $67.0K+1.4%
17
Sonne Finance
Lending · Base, Optimism
Sonne Finance is a crypto lending protocol, but its site warns that it was exploited and tells users not to interact. Treat it as off-limits until the project clearly lifts that warning.
Read the Sonne Finance review Visit Sonne Finance(opens in a new tab)
ScoreScore 1.5 out of 10
TVL $55.1K−0.6%
18
Unitus
Lending · Conflux, Ethereum, BNB Chain +4
Unitus is described as a multi-chain lending market, but there isn’t enough detail to judge its costs, safety or how to use it. Treat it as unverified until you can check the app and its contracts directly.
Read the Unitus review Visit Unitus(opens in a new tab)
ScoreNot rated yet
TVL $6.25M−0.7%
19
OmniBTC
Lending · Sui, Arbitrum, Base +5
OmniBTC is an omnichain DeFi platform for cross-chain swaps and BTC lending. Details on fees, custody and how to use its lending products are too limited for a full review.
Read the OmniBTC review Visit OmniBTC(opens in a new tab)
ScoreNot rated yet
TVL $1.86M−2.7%
20
Extra Finance Xlend
Lending · Base, Optimism
Extra Finance XLend is a lending protocol on Base and Optimism, but published details are too sparse to assess its costs or lending options.
Read the Extra Finance Xlend review Visit Extra Finance Xlend(opens in a new tab)
ScoreNot rated yet
TVL $1.22M−0.7%
21
dForce Lending
Lending · Ethereum, BNB Chain, Optimism +5
dForce Lending is a crypto lending protocol across eight listed networks, but details on rates, supported assets and safeguards are too limited for a full review.
Read the dForce Lending review Visit dForce Lending(opens in a new tab)
ScoreNot rated yet
TVL $1.07M+4.6%
22
Silo V1
Lending · Arbitrum, Ethereum, Optimism +2
Silo V1 is a permissionless lending protocol built around risk-isolated markets. The basic purpose and supported chains are clear, but there isn’t enough detail to assess its costs or how safely to use it.
Read the Silo V1 review Visit Silo V1(opens in a new tab)
ScoreNot rated yet
TVL $679K−3.3%
23
Tarot
Lending · Base, Optimism, Fantom +10
Tarot is a decentralized lending and leveraged-yield protocol. Its LP-token vaults are described, but key details about fees, risks and getting started are missing.
Read the Tarot review Visit Tarot(opens in a new tab)
ScoreNot rated yet
TVL $470K−7.6%
24
Timeswap V2
Lending · Hyperliquid L1, Arbitrum, Base +7
Timeswap V2 is an oracleless lending and borrowing protocol, but its app reports no pools for the selected filters and disables lending, borrowing and liquidity transactions. Treat it as unavailable until active markets return.
Read the Timeswap V2 review
ScoreNot rated yet
TVL $269K−1.9%
25
Fuji V1
Lending · Ethereum, Arbitrum, Polygon +2
Fuji V1 is a lending project on Ethereum, Arbitrum, Polygon and Fantom. Its team publishes little about how it works, what it costs or how funds are secured, so treat it with care.
Read the Fuji V1 review
ScoreNot rated yet
TVL $184K−0.8%

Lending dApps on Optimism: the numbers

Tracked: 30
Reviewed: 30
Total TVL: $29.5B
Avg. score: 5.2/10

The SkyBitcoins index lists 30 lending dApps on Optimism. Every one of them has a full review. The 27 that report TVL hold $29.5B between them, 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 $679K.

Ranked by TVL, Aave V3 ($15.8B), Morpho Blue ($10.9B) and Compound V3 ($1.25B) lead the field. On SkyBitcoins scores, Aave V3 ranks first at 7.6/10, ahead of Compound V3 (7.2) and Morpho Blue (7.0). That makes Aave V3 both the biggest and the best-rated. The 17 rated lending dApps average 5.2/10, and none scores 8 or above yet.

Beyond Optimism, these lending dApps most often also run on Ethereum (23), Base (22) and Arbitrum (21). Of the 23 with a confirmed status, 22 are active and 1 is inactive or wound down. In the past week, total value locked rose 1.2%. dForce Lending gained the most (+4.6%), while Moonwell Lending dropped the most (−6.0%).

Largest by TVL

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 Optimism by TVL?

Aave V3 is the largest lending dApp on Optimism by total value locked, with $15.8B across all the chains it supports. It is followed by Morpho Blue ($10.9B) and Compound V3 ($1.25B). TVL figures come from DefiLlama and change daily.

Which lending dApp on Optimism has the highest SkyBitcoins score?

Aave V3 has the highest score at 7.6/10, ahead of Compound V3 (7.2) 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 Optimism has SkyBitcoins reviewed?

SkyBitcoins tracks 30 lending dApps on Optimism. Of these, 30 have a full review and 27 report value locked, $29.5B in total, counting value on every chain they support.

Which lending dApps on Optimism grew the most this week?

Among lending dApps with at least $1M locked, dForce Lending had the biggest 7-day TVL gain (+4.6%) and Moonwell Lending the biggest drop (−6.0%). Combined TVL moved +1.2% over the same seven days.

What is the average score for lending dApps on Optimism?

The 17 rated lending dApps on Optimism average 5.2 out of 10. Of these, 0 score 8 or higher and 6 score below 5.

Ranked list