Best of · Arbitrum · Updated
The best Uncollateralized Lending dApps on Arbitrum in 2026
We track 7 Uncollateralized Lending dApps that run on Arbitrum and have reviewed 4 of them in full. Our top pick is Clearpool Lending. Each one is scored on security, ease of use, fees and features.
Ranked list
- 1
Clearpool Lending
Uncollateralized Lending · Base, Ethereum, Optimism +6
Clearpool connects institutional borrowers with lenders through permissioned, on-chain credit pools. You can assess the model and its risks, but check pool access, terms and borrower protections before committing funds.
ScoreScore 5.2 out of 10TVL $200K−0.1% - 2
cSigma Finance
Uncollateralized Lending · Ethereum, Arbitrum, Hedera +1
cSigma offers stablecoin yield through real-world credit and DeFi strategies, but its returns, withdrawal timing and pool risks need careful checking before you deposit.
ScoreScore 5.1 out of 10TVL $1.24K−0.1% - 3
Union Protocol
Uncollateralized Lending · Optimism, Ethereum, Base +1
Union Protocol is a live, trust-based credit protocol for lending and borrowing without collateral. Its model depends on people vouching for borrowers, and key costs and repayment terms are not published on its homepage.
ScoreScore 4.5 out of 10TVL $266K−0.1% - 4
Bion
Uncollateralized Lending · Ethereum, Base, Arbitrum +5
Bion offers reusable stablecoin credit based on on-chain wallet activity, with spending and repayments settled in USDC on Base. Its sample fee is not a substitute for checking your personal terms.
ScoreScore 4.5 out of 10TVL — - 5
Accountable
Uncollateralized Lending · Monad, Arbitrum, Robinhood Chain +5
Accountable is a uncollateralized lending project on Monad, Arbitrum, Robinhood Chain and Ethereum. Its team publishes little about how it works, what it costs or how funds are secured, so treat it with care.
ScoreNot rated yetTVL $1.95M+65.3% - 6
Pareto Credit
Uncollateralized Lending · Ethereum, Polygon, Optimism +1
Pareto Credit is an on-chain marketplace for institutional private credit, with credit vaults among its products. Key lending terms, fees and withdrawal rules are not clear enough to judge whether a vault suits you.
ScoreNot rated yetTVL $241K+65.5% - 7
TrueFi
Uncollateralized Lending · Ethereum, Arbitrum
TrueFi is a uncollateralized lending project on Ethereum and Arbitrum. Its team publishes little about how it works, what it costs or how funds are secured, so treat it with care.
ScoreNot rated yetTVL $21.7K−0.1%
Uncollateralized Lending dApps on Arbitrum: the numbers
- Tracked
- 7
- Reviewed
- 7
- Total TVL
- $2.68M
- Avg. score
- 4.8/10
SkyBitcoins tracks 7 uncollateralized lending dApps on Arbitrum. Every one of them has a full review. The 6 that report TVL hold $2.68M between them, counting value on every chain they support. Accountable dominates, with 73% of that total. The top five account for 100%, while the median uncollateralized lending dApp holds $200K.
By value locked, the largest uncollateralized lending dApps on Arbitrum are Accountable ($1.95M), Union Protocol ($266K) and Pareto Credit ($241K). The best-rated is Clearpool Lending with 5.2/10, followed by cSigma Finance (5.1) and Union Protocol (4.5). The 4 rated uncollateralized lending dApps average 4.8/10, and none scores 8 or above yet.
Many also deploy elsewhere, most often on Ethereum (7), Base (5) and Optimism (4). All 6 with a confirmed status are active. Over the last seven days, combined TVL rose 47.7%. Accountable gained the most (+65.3%).
Largest by TVL
- 1
Accountable$1.95M
- 2
Union Protocol$266K
- 3
Pareto Credit$241K
- 4
Clearpool Lending$200K
- 5
TrueFi$21.7K
Highest rated
- 1
- 2
cSigma Finance5.1
- 3
- 4
Bion4.5
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 uncollateralized lending dApp on Arbitrum by TVL?
Accountable is the largest uncollateralized lending dApp on Arbitrum by total value locked, with $1.95M across all the chains it supports. It is followed by Union Protocol ($266K) and Pareto Credit ($241K). TVL figures come from DefiLlama and change daily.
Which uncollateralized lending dApp on Arbitrum has the highest SkyBitcoins score?
Clearpool Lending has the highest score at 5.2/10, ahead of cSigma Finance (5.1) and Union Protocol (4.5). Scores weigh security, ease of use, fees and features, and are based only on facts we could verify.
How many uncollateralized lending dApps on Arbitrum has SkyBitcoins reviewed?
SkyBitcoins tracks 7 uncollateralized lending dApps on Arbitrum. Of these, 7 have a full review and 6 report value locked, $2.68M in total, counting value on every chain they support.
Which uncollateralized lending dApps on Arbitrum grew the most this week?
Among uncollateralized lending dApps with at least $1M locked, Accountable had the biggest 7-day TVL gain (+65.3%). Combined TVL moved +47.7% over the same seven days.
What is the average score for uncollateralized lending dApps on Arbitrum?
The 4 rated uncollateralized lending dApps on Arbitrum average 4.8 out of 10. Of these, 0 score 8 or higher and 2 score below 5.