Best of · Plasma · Updated
The best Lending dApps on Plasma in 2026
We track 8 Lending dApps that run on Plasma and have reviewed 6 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
Euler V2
Lending · Monad, Ethereum, Base +13
Euler V2 is a modular crypto lending platform where you can supply assets, borrow against collateral or launch lending markets. Market terms and risks vary, so check the specific vault and its costs before depositing.
ScoreScore 7.1 out of 10TVL $267M−0.9% - 3
TermFinance Vaults
Lending · Avalanche, Ethereum, Plasma +3
Term Finance matches crypto borrowers and lenders through on-chain auctions to set fixed rates. Its model is clear, but check the fee schedule, contract audits and current token details before committing funds.
ScoreScore 6.2 out of 10TVL $1.68M+0.3% - 4
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.
ScoreScore 5.8 out of 10TVL $22.1M−3.7% - 5
TermFinance Lend
Lending · Ethereum, Arbitrum, Plasma +2
Term Finance lets you lend or borrow against crypto at a fixed rate set through auctions. Before using it, check the current auction terms, collateral rules and costs: several important risk and fee details aren’t published.
ScoreScore 5.8 out of 10TVL $3.36M−4.5% - 6
Fluid Lending
Lending · Ethereum, Arbitrum, Plasma +2
Fluid Lending lets you supply stablecoins or ETH and borrow against isolated vaults. Its rates, fees and security details are not clear enough to assess the cost or risk without checking the terms for your chosen market.
ScoreScore 4.5 out of 10TVL $614M+0.3% - 7
246Club
Lending · Plasma
246Club is described as a lending project that re-lends credit into yield sources, but it is marked inactive. There isn’t enough information to assess its fees, safety or how to use it.
ScoreNot rated yetTVL $72.9K+0.0% - 8
Enclabs
Lending · Sonic, Plasma
Enclabs is a lending and borrowing protocol with isolated markets on Sonic and Plasma. Its public details are too limited to judge costs or smart-contract risk confidently.
ScoreNot rated yetTVL $51.1K+62.5%
Lending dApps on Plasma: the numbers
- Tracked
- 8
- Reviewed
- 8
- Total TVL
- $16.7B
- Avg. score
- 6.2/10
There are 8 lending dApps on Plasma in the SkyBitcoins index. Every one of them has a full review. Together they hold $16.7B in total value locked, counting value on every chain they support. Aave V3 dominates, with 95% of that total. The top five account for 100%, while the median lending dApp holds $3.36M.
By value locked, the largest lending dApps on Plasma are Aave V3 ($15.8B), Fluid Lending ($614M) and Euler V2 ($267M). The best-rated is Aave V3 with 7.6/10, followed by Euler V2 (7.1) and TermFinance Vaults (6.2). That makes Aave V3 both the biggest and the best-rated. The 6 rated lending dApps average 6.2/10, and none scores 8 or above yet.
Many also deploy elsewhere, most often on Ethereum (6), Arbitrum (6) and Base (5). Of the 8 with a confirmed status, 7 are active and 1 is inactive or wound down. In the past week, total value locked rose 3.2%. Aave V3 gained the most (+3.4%), while TermFinance Lend dropped the most (−4.5%).
Largest by TVL
- 1
Aave V3$15.8B
- 2
Fluid Lending$614M
- 3
Euler V2$267M
- 4
Gearbox$22.1M
- 5
TermFinance Lend$3.36M
Highest rated
- 1
- 2
- 3
TermFinance Vaults6.2
- 4
- 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
Related guides
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Frequently asked questions
What is the largest lending dApp on Plasma by TVL?
Aave V3 is the largest lending dApp on Plasma by total value locked, with $15.8B across all the chains it supports. It is followed by Fluid Lending ($614M) and Euler V2 ($267M). TVL figures come from DefiLlama and change daily.
Which lending dApp on Plasma has the highest SkyBitcoins score?
Aave V3 has the highest score at 7.6/10, ahead of Euler V2 (7.1) and TermFinance Vaults (6.2). Scores weigh security, ease of use, fees and features, and are based only on facts we could verify.
How many lending dApps on Plasma has SkyBitcoins reviewed?
SkyBitcoins tracks 8 lending dApps on Plasma. Of these, 8 have a full review and 8 report value locked, $16.7B in total, counting value on every chain they support.
Which lending dApps on Plasma 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 TermFinance Lend the biggest drop (−4.5%). Combined TVL moved +3.2% over the same seven days.
What is the average score for lending dApps on Plasma?
The 6 rated lending dApps on Plasma average 6.2 out of 10. Of these, 0 score 8 or higher and 1 score below 5.