Best of · XDC · Updated Nov 8, 2026

The best Lending dApps on XDC in 2026

We track 8 Lending dApps that run on XDC and have reviewed 6 of them in full. Our top pick is Morpho Blue. Each one is scored on security, ease of use, fees and features.

1
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 review Visit Morpho Blue(opens in a new tab)
ScoreScore 7.0 out of 10
TVL $10.9B−0.4%
2
Fathom Lending
Lending · XDC
Fathom Lending lets you supply XDC or USDC and borrow against collateral on XDC Network. Rates vary, and loans can be liquidated if your health factor falls below 1.
Read the Fathom Lending review Visit Fathom Lending(opens in a new tab)
ScoreScore 6.4 out of 10
TVL $298K−1.5%
3
Fathom CDP
Lending · XDC
Fathom is now an XDC Network lending app for supplying XDC or USDC and borrowing against collateral. Its Halborn review is a deployment verification, not a full-scope audit.
Read the Fathom CDP review Visit Fathom CDP(opens in a new tab)
ScoreScore 6.4 out of 10
TVL $231K−1.2%
4
Fathom AMM
Lending · XDC
Fathom AMM is presented as a non-custodial lending app on XDC, not a conventional swap-focused AMM. You can supply XDC or USDC and borrow against collateral, but rates move with demand and borrowing carries liquidation risk.
Read the Fathom AMM review Visit Fathom AMM(opens in a new tab)
ScoreScore 6.4 out of 10
TVL $46.3K−0.0%
5
PrimeFi
Lending · Hyperliquid L1, Base, XDC
PrimeFi is a cross-chain lending protocol on Base, HyperEVM and XDC. You can supply assets and, where cross-chain delivery is enabled, borrow on another network; check market terms and contract risks before depositing.
Read the PrimeFi review Visit PrimeFi(opens in a new tab)
ScoreScore 5.2 out of 10
TVL $1.15K−23.4%
6
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.
Read the Teller review Visit Teller(opens in a new tab)
ScoreScore 4.8 out of 10
TVL $797K−15.2%
7
Silo V3
Lending · Injective, Avalanche, XDC +4
Silo V3 is a lending protocol for permissionless, risk-isolated markets. The basic purpose and supported chains are clear, but costs and key safety details need checking before you supply assets.
Read the Silo V3 review Visit Silo V3(opens in a new tab)
ScoreNot rated yet
TVL $4.45M+9.5%
8
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.
Read the wefi review
ScoreNot rated yet
TVL $16.0K−0.1%

Lending dApps on XDC: the numbers

Tracked: 8
Reviewed: 8
Total TVL: $10.9B
Avg. score: 6.0/10

The SkyBitcoins index lists 8 lending dApps on XDC. 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 five largest make up 100% of the total; the median is $231K.

By value locked, the largest lending dApps on XDC are Morpho Blue ($10.9B), Silo V3 ($4.45M) and Teller ($797K). On SkyBitcoins scores, Morpho Blue ranks first at 7.0/10, ahead of Fathom Lending (6.4) and Fathom CDP (6.4). That makes Morpho Blue both the biggest and the best-rated. The 6 rated lending dApps average 6.0/10, and none scores 8 or above yet.

Many also deploy elsewhere, most often on Ethereum (3), Base (3) and Arbitrum (3). All 7 with a confirmed status are active. In the past week, total value locked was roughly flat (−0.4%). Silo V3 gained the most (+9.5%), while Morpho Blue dropped the most (−0.4%).

Largest by TVL

1Morpho Blue$10.9B
2Silo V3$4.45M
3Teller$797K
4Fathom Lending$298K
5Fathom CDP$231K

Highest rated

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 XDC by TVL?

Morpho Blue is the largest lending dApp on XDC by total value locked, with $10.9B across all the chains it supports. It is followed by Silo V3 ($4.45M) and Teller ($797K). TVL figures come from DefiLlama and change daily.

Which lending dApp on XDC has the highest SkyBitcoins score?

Morpho Blue has the highest score at 7.0/10, ahead of Fathom Lending (6.4) and Fathom CDP (6.4). Scores weigh security, ease of use, fees and features, and are based only on facts we could verify.

How many lending dApps on XDC has SkyBitcoins reviewed?

SkyBitcoins tracks 8 lending dApps on XDC. Of these, 8 have a full review and 8 report value locked, $10.9B in total, counting value on every chain they support.

Which lending dApps on XDC grew the most this week?

Among lending dApps with at least $1M locked, Silo V3 had the biggest 7-day TVL gain (+9.5%) and Morpho Blue the biggest drop (−0.4%). Combined TVL moved −0.4% over the same seven days.

What is the average score for lending dApps on XDC?

The 6 rated lending dApps on XDC average 6.0 out of 10. Of these, 0 score 8 or higher and 1 score below 5.

Ranked list