Best of · Scroll · Updated
The best Lending dApps on Scroll in 2026
We track 10 Lending dApps that run on Scroll 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
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
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.
ScoreScore 5.2 out of 10TVL $873K−24.4% - 5
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% - 6
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.
ScoreScore 4.0 out of 10TVL $301M−0.2% - 7
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.
ScoreNot rated yetTVL $5.59M−4.2% - 8
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% - 9
Cog
Lending · Scroll
Cog is an isolated lending protocol on Scroll, but there is not enough published detail here to judge its costs or safety. Treat it as unverified until you can confirm its app, contract addresses and lending terms.
ScoreNot rated yetTVL $177K−0.7% - 10
SYNO Finance
Lending · Optimism, Ethereum, Scroll +2
SYNO Finance has shut down, and says all remaining funds were returned to users. You can no longer use it as a lending market.
ScoreNot rated yetTVL $891−9.0%
Lending dApps on Scroll: the numbers
- Tracked
- 10
- Reviewed
- 10
- Total TVL
- $28.3B
- Avg. score
- 6.0/10
There are 10 lending dApps on Scroll in the SkyBitcoins index. Every one of them has a full review. Combined, they lock $28.3B, counting value on every chain they support. Aave V3 dominates, with 56% of that total. The top five account for 100%, while the median lending dApp holds $873K.
Ranked by TVL, Aave V3 ($15.8B), Morpho Blue ($10.9B) and Compound V3 ($1.25B) lead the field. 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 6 rated lending dApps average 6.0/10, and none scores 8 or above yet.
Beyond Scroll, these lending dApps most often also run on Ethereum (7), Base (7) and Arbitrum (7). Of the 10 with a confirmed status, 9 are active and 1 is inactive or wound down. In the past week, total value locked rose 1.5%. Aave V3 gained the most (+3.4%), while LayerBank dropped the most (−4.2%).
Largest by TVL
- 1
Aave V3$15.8B
- 2
Morpho Blue$10.9B
- 3
Compound V3$1.25B
- 4
EtherFi Borrowing Market$301M
- 5
LayerBank$5.59M
Highest rated
- 1
- 2
- 3
- 4
Avalon Finance5.2
- 5
Impermax V25.2
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
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Frequently asked questions
What is the largest lending dApp on Scroll by TVL?
Aave V3 is the largest lending dApp on Scroll 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 Scroll 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 Scroll has SkyBitcoins reviewed?
SkyBitcoins tracks 10 lending dApps on Scroll. Of these, 10 have a full review and 10 report value locked, $28.3B in total, counting value on every chain they support.
Which lending dApps on Scroll grew the most this week?
What is the average score for lending dApps on Scroll?
The 6 rated lending dApps on Scroll average 6.0 out of 10. Of these, 0 score 8 or higher and 1 score below 5.