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Best of · X Layer · Updated

The best Lending dApps on X Layer in 2026

We track 6 Lending dApps that run on X Layer and have reviewed 5 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. 1
    Aave V3 logo

    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 reviewVisit Aave V3(opens in a new tab)
    ScoreScore 7.6 out of 10
    TVL $15.8B+3.4%
  2. 2
    Dolomite logo

    Dolomite

    Lending · Ethereum, Arbitrum, Berachain +4

    Dolomite combines lending and borrowing with swaps and leveraged strategies across several EVM networks. It offers flexible on-chain positions, but check current rates, contract risks and the terms for each asset before committing funds.

    Read the Dolomite reviewVisit Dolomite(opens in a new tab)
    ScoreScore 6.5 out of 10
    TVL $142M−19.6%
  3. 3
    TermMax logo

    TermMax

    Lending · Ethereum, Berachain, BNB Chain +6

    TermMax is a DeFi lending marketplace for fixed-rate, fixed-maturity borrowing and lending, plus leveraged positions and curated vaults. Its main appeal is predictable rates; check the market terms, fees and maturity rules before committing funds.

    Read the TermMax reviewVisit TermMax(opens in a new tab)
    ScoreScore 5.8 out of 10
    TVL $686K−1.4%
  4. 4
    Native Credit Pool logo

    Native Credit Pool

    Lending · Morph, Ethereum, BNB Chain +4

    Native Credit Pool lets you supply a single asset to pools used by market makers for trading. The lending model is clear, but fees, yield terms and the risks of each pool need closer checking before you deposit.

    Read the Native Credit Pool reviewVisit Native Credit Pool(opens in a new tab)
    ScoreScore 4.8 out of 10
    TVL $20.3M−21.5%
  5. 5
    ZeroLend Lending logo

    ZeroLend Lending

    Lending · zkSync Era, Manta, Abstract +8

    ZeroLend was a multi-chain lending protocol, but it announced it was ceasing operations in February 2026. Treat it as shut down: don’t open a position or deposit funds.

    Read the ZeroLend Lending reviewVisit ZeroLend Lending(opens in a new tab)
    ScoreScore 1.0 out of 10
    TVL $841K−1.8%
  6. 6
    Timeswap V2 logo

    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%

Lending dApps on X Layer: the numbers

Tracked
6
Reviewed
6
Total TVL
$15.9B
Avg. score
5.1/10

SkyBitcoins tracks 6 lending dApps on X Layer. Every one of them has a full review. Together they hold $15.9B in total value locked, counting value on every chain they support. Aave V3 dominates, with 99% of that total. The five largest make up 100% of the total; the median is $841K.

By value locked, the largest lending dApps on X Layer are Aave V3 ($15.8B), Dolomite ($142M) and Native Credit Pool ($20.3M). On SkyBitcoins scores, Aave V3 ranks first at 7.6/10, ahead of Dolomite (6.5) and TermMax (5.8). That makes Aave V3 both the biggest and the best-rated. The 5 rated lending dApps average 5.1/10, and none scores 8 or above yet.

Many also deploy elsewhere, most often on Ethereum (6), Base (5) and Arbitrum (5). Of the 6 with a confirmed status, 5 are active and 1 is inactive or wound down. In the past week, total value locked rose 3.1%. Aave V3 gained the most (+3.4%), while Native Credit Pool dropped the most (−21.5%).

Largest by TVL

  1. 1Aave V3 logoAave V3$15.8B
  2. 2Dolomite logoDolomite$142M
  3. 3Native Credit Pool logoNative Credit Pool$20.3M
  4. 4ZeroLend Lending logoZeroLend Lending$841K
  5. 5TermMax logoTermMax$686K

Highest rated

  1. 1Aave V3 logoAave V37.6
  2. 2Dolomite logoDolomite6.5
  3. 3TermMax logoTermMax5.8
  4. 4Native Credit Pool logoNative Credit Pool4.8
  5. 5ZeroLend Lending logoZeroLend Lending1.0

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 X Layer by TVL?

Aave V3 is the largest lending dApp on X Layer by total value locked, with $15.8B across all the chains it supports. It is followed by Dolomite ($142M) and Native Credit Pool ($20.3M). TVL figures come from DefiLlama and change daily.

Which lending dApp on X Layer has the highest SkyBitcoins score?

Aave V3 has the highest score at 7.6/10, ahead of Dolomite (6.5) and TermMax (5.8). Scores weigh security, ease of use, fees and features, and are based only on facts we could verify.

How many lending dApps on X Layer has SkyBitcoins reviewed?

SkyBitcoins tracks 6 lending dApps on X Layer. Of these, 6 have a full review and 6 report value locked, $15.9B in total, counting value on every chain they support.

Which lending dApps on X Layer 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 Native Credit Pool the biggest drop (−21.5%). Combined TVL moved +3.1% over the same seven days.

What is the average score for lending dApps on X Layer?

The 5 rated lending dApps on X Layer average 5.1 out of 10. Of these, 0 score 8 or higher and 2 score below 5.