Best of · Polygon · Updated
The best Lending dApps on Polygon in 2026
We track 31 Lending dApps that run on Polygon and have reviewed 14 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
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.
ScoreScore 7.2 out of 10TVL $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.
ScoreScore 7.0 out of 10TVL $10.9B−0.4% - 4
Aave V2
Lending · Ethereum, Polygon, Avalanche
Aave V2 is a non-custodial lending protocol for supplying crypto and borrowing against collateral. Check that the specific V2 market and assets you want are still supported before connecting a wallet.
ScoreScore 6.4 out of 10TVL $98.4M−3.1% - 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.
ScoreScore 6.2 out of 10TVL $21.1K−0.4% - 6
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.
ScoreScore 5.2 out of 10TVL $514K−1.8% - 7
Folks Finance xChain
Lending · Avalanche, Polygon, Monad +5
Folks Finance xChain lets you lend, borrow and swap across multiple networks, but fees and rates aren’t published here. The app is scheduled to shut down on March 31, 2027, so plan to withdraw before then.
ScoreScore 5.0 out of 10TVL $3.44M−7.2% - 8
Teller
Lending · Base, Ethereum, Arbitrum +6
Teller combines on-chain, asset-backed borrowing with pre-qualification for loans from third-party lenders. Check the specific loan terms, repayment deadlines and collateral risks before proceeding.
ScoreScore 4.8 out of 10TVL $797K−15.2% - 9
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% - 10
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.
ScoreScore 4.5 out of 10TVL $249−0.7% - 11
FilDA
Lending · IoTeX, Bittorrent, Arbitrum +4
FilDA is a multi-chain DeFi lending and borrowing platform, but its published details leave key questions about fees, current markets and security scope unanswered.
ScoreScore 4.0 out of 10TVL $92.0K+14.8% - 12
ARCx
Lending · Ethereum, Polygon
ARCx describes a DeFi lending protocol that adjusts loan-to-value limits using wallet credit scores. Its current availability, costs and security record need checking before you commit funds.
ScoreScore 3.5 out of 10TVL $0 - 13
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.
ScoreScore 2.5 out of 10TVL $67.0K+1.4% - 14
YLDR
Lending · Ethereum, Polygon, Arbitrum +1
YLDR is shutting down, so it is not a good choice for new lending or leverage. If you already have funds or positions there, check the shutdown announcement before taking action.
ScoreScore 2.0 out of 10TVL $13.0K−1.0% - 15
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.
ScoreNot rated yetTVL $6.25M−0.7% - 16
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.
ScoreNot rated yetTVL $1.86M−2.7% - 17
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.
ScoreNot rated yetTVL $1.07M+4.6% - 18
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.
ScoreNot rated yetTVL $470K−7.6% - 19
Compound Blue
Lending · Polygon
Compound Blue is a lending project on Polygon. Its team publishes little about how it works, what it costs or how funds are secured, so treat it with care.
ScoreNot rated yetTVL $408K+11.7% - 20
88mph
Lending · Ethereum, Fantom, Avalanche +1
88mph is described as a crypto lending app offering fixed-rate interest. Key details about fees, deposits, withdrawals and how to use it are not established, so check the current app and terms before putting funds at risk.
ScoreNot rated yetTVL $403K−0.2% - 21
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.
ScoreNot rated yetTVL $269K−1.9% - 22
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.
ScoreNot rated yetTVL $184K−0.8% - 23
Midas Capital
Lending · BNB Chain, Arbitrum, Polygon +1
Midas Capital is a lending project on Bnb Chain, Arbitrum, Polygon and Moonbeam. Its team publishes little about how it works, what it costs or how funds are secured, so treat it with care.
ScoreNot rated yetTVL $96.7K−1.2% - 24
Timeswap V1
Lending · Polygon
Timeswap V1 is a lending project on Polygon. Its team publishes little about how it works, what it costs or how funds are secured, so treat it with care.
ScoreNot rated yetTVL $44.0K−0.0% - 25
wefi
Lending · Polygon, Boba, XDC +1
wefi is a lending project on Polygon, Boba, XDC and Linea. Its team publishes little about how it works, what it costs or how funds are secured, so treat it with care.
ScoreNot rated yetTVL $16.0K−0.1%
Lending dApps on Polygon: the numbers
- Tracked
- 31
- Reviewed
- 31
- Total TVL
- $28.7B
- Avg. score
- 5.0/10
The SkyBitcoins index lists 31 lending dApps on Polygon. Every one of them has a full review. Across the 27 with TVL data, the combined value locked is $28.7B, counting value on every chain they support. Aave V3 dominates, with 55% of that total. The five largest make up 100% of the total; the median is $403K.
By value locked, the largest lending dApps on Polygon are Aave V3 ($15.8B), Morpho Blue ($10.9B) and Compound V3 ($1.25B). The best-rated is Aave V3 with 7.6/10, followed by Compound V3 (7.2) and Morpho Blue (7.0). That makes Aave V3 both the biggest and the best-rated. The 14 rated lending dApps average 5.0/10, and none scores 8 or above yet.
Many also deploy elsewhere, most often on Ethereum (23), Arbitrum (21) and Base (15). Of the 19 with a confirmed status, 18 are active and 1 is inactive or wound down. Over the last seven days, combined TVL rose 1.5%. dForce Lending gained the most (+4.6%), while Folks Finance xChain dropped the most (−7.2%).
Largest by TVL
- 1
Aave V3$15.8B
- 2
Morpho Blue$10.9B
- 3
Compound V3$1.25B
- 4
Fluid Lending$614M
- 5
Aave V2$98.4M
Highest rated
- 1
- 2
- 3
- 4
- 5
PWN6.2
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
Blockchain
How to Use Base: A Practical Guide for 2026Base is an Ethereum Layer 2 that lets you use compatible wallets and apps with ETH for gas. Learn how to set up a wallet, move funds, estimate costs and avoid common risks.
Frequently asked questions
What is the largest lending dApp on Polygon by TVL?
Aave V3 is the largest lending dApp on Polygon 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 Polygon 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 Polygon has SkyBitcoins reviewed?
SkyBitcoins tracks 31 lending dApps on Polygon. Of these, 31 have a full review and 27 report value locked, $28.7B in total, counting value on every chain they support.
Which lending dApps on Polygon 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 Folks Finance xChain the biggest drop (−7.2%). Combined TVL moved +1.5% over the same seven days.
What is the average score for lending dApps on Polygon?
The 14 rated lending dApps on Polygon average 5.0 out of 10. Of these, 0 score 8 or higher and 7 score below 5.