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Best of · Sei · Updated

The best Lending dApps on Sei in 2026

We track 6 Lending dApps that run on Sei and have reviewed 5 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
    YeiLend logo

    YeiLend

    Lending · Sei

    YeiLend is a non-custodial lending market on Sei where you can supply listed tokens or borrow against collateral. Its market rates, fee schedule and audit status need careful checking before you deposit.

    Read the YeiLend reviewVisit YeiLend(opens in a new tab)
    ScoreScore 5.0 out of 10
    TVL $3.97M−6.2%
  4. 4
    Folks Finance xChain logo

    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.

    Read the Folks Finance xChain reviewVisit Folks Finance xChain(opens in a new tab)
    ScoreScore 5.0 out of 10
    TVL $3.44M−7.2%
  5. 5
    Takara Lend logo

    Takara Lend

    Lending · Sei

    Takara Lend is a Sei-based money market for supplying crypto and borrowing against collateral. It is open-source, but key details—including rates, liquidation rules and the scope of its listed audits—need checking before you commit funds.

    Read the Takara Lend reviewVisit Takara Lend(opens in a new tab)
    ScoreScore 4.2 out of 10
    TVL $3.80M−6.9%
  6. 6
    Avalon USDaLend logo

    Avalon USDaLend

    Lending · Sonic, Sei, IoTeX +3

    Avalon USDaLend is a lending project on Sonic, Sei, Iotex and Zircuit. Its team publishes little about how it works, what it costs or how funds are secured, so treat it with care.

    Read the Avalon USDaLend reviewVisit Avalon USDaLend(opens in a new tab)
    ScoreNot rated yet
    TVL $2.37K−79.2%

Lending dApps on Sei: the numbers

Tracked
6
Reviewed
6
Total TVL
$10.9B
Avg. score
5.3/10

SkyBitcoins tracks 6 lending dApps on Sei. Every one of them has a full review. Combined, they lock $10.9B, counting value on every chain they support. Morpho Blue dominates, with 100% of that total. The top five account for 100%, while the median lending dApp holds $3.44M.

By value locked, the largest lending dApps on Sei are Morpho Blue ($10.9B), YeiLend ($3.97M) and Takara Lend ($3.80M). The best-rated is Morpho Blue with 7.0/10, followed by Avalon Finance (5.2) and YeiLend (5.0). That makes Morpho Blue both the biggest and the best-rated. The 5 rated lending dApps average 5.3/10, and none scores 8 or above yet.

Many also deploy elsewhere, most often on Ethereum (3), Base (3) and Arbitrum (3). All 5 with a confirmed status are active. In the past week, total value locked was roughly flat (−0.4%). Folks Finance xChain dropped the most (−7.2%).

Largest by TVL

  1. 1Morpho Blue logoMorpho Blue$10.9B
  2. 2YeiLend logoYeiLend$3.97M
  3. 3Takara Lend logoTakara Lend$3.80M
  4. 4Folks Finance xChain logoFolks Finance xChain$3.44M
  5. 5Avalon Finance logoAvalon Finance$873K

Highest rated

  1. 1Morpho Blue logoMorpho Blue7.0
  2. 2Avalon Finance logoAvalon Finance5.2
  3. 3YeiLend logoYeiLend5.0
  4. 4Folks Finance xChain logoFolks Finance xChain5.0
  5. 5Takara Lend logoTakara Lend4.2

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.

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Frequently asked questions

What is the largest lending dApp on Sei by TVL?

Morpho Blue is the largest lending dApp on Sei by total value locked, with $10.9B across all the chains it supports. It is followed by YeiLend ($3.97M) and Takara Lend ($3.80M). TVL figures come from DefiLlama and change daily.

Which lending dApp on Sei has the highest SkyBitcoins score?

Morpho Blue has the highest score at 7.0/10, ahead of Avalon Finance (5.2) and YeiLend (5.0). Scores weigh security, ease of use, fees and features, and are based only on facts we could verify.

How many lending dApps on Sei has SkyBitcoins reviewed?

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

Which lending dApps on Sei grew the most this week?

Among lending dApps with at least $1M locked, Folks Finance xChain the biggest drop (−7.2%). Combined TVL moved −0.4% over the same seven days.

What is the average score for lending dApps on Sei?

The 5 rated lending dApps on Sei average 5.3 out of 10. Of these, 0 score 8 or higher and 1 score below 5.