Best of · Base · Updated
The best Uncollateralized Lending dApps on Base in 2026
We track 8 Uncollateralized Lending dApps that run on Base and have reviewed 5 of them in full. Our top pick is Kasu. Each one is scored on security, ease of use, fees and features.
Ranked list
- 1
Kasu
Uncollateralized Lending · Base, XDC, Plume
Kasu lets you lend to businesses through private-credit strategies, with advertised rates of 9–20% p.a. Returns are not guaranteed, and your capital is at risk.
ScoreScore 5.5 out of 10TVL $2.95K+9.2% - 2
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% - 3
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% - 4
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% - 5
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 — - 6
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% - 7
Sprinter
Uncollateralized Lending · Base
Sprinter describes itself as an onchain credit platform offering uncollateralized, policy-based credit. Its product terms, costs and access process are too unclear to judge whether it suits you.
ScoreNot rated yetTVL $311K−0.0% - 8
Credit Coop
Uncollateralized Lending · Ethereum, Base, Avalanche
Credit Coop is a DeFi credit protocol offering curated vaults that lend to businesses against future cash flows. Fees, withdrawal terms and safeguards need checking before you deposit.
ScoreNot rated yetTVL $246K+15.2%
Uncollateralized Lending dApps on Base: the numbers
- Tracked
- 8
- Reviewed
- 8
- Total TVL
- $2.98M
- Avg. score
- 5.0/10
SkyBitcoins tracks 8 uncollateralized lending dApps on Base. Every one of them has a full review. The 7 that report TVL hold $2.98M between them, counting value on every chain they support. Accountable dominates, with 66% of that total. The top five account for 100%, while the median uncollateralized lending dApp holds $246K.
Ranked by TVL, Accountable ($1.95M), Sprinter ($311K) and Union Protocol ($266K) lead the field. The best-rated is Kasu with 5.5/10, followed by Clearpool Lending (5.2) and cSigma Finance (5.1). The 5 rated uncollateralized lending dApps average 5.0/10, and none scores 8 or above yet.
Beyond Base, these uncollateralized lending dApps most often also run on Ethereum (6), Arbitrum (5) and Optimism (3). All 8 with a confirmed status are active. In the past week, total value locked rose 36.9%. Accountable gained the most (+65.3%).
Largest by TVL
- 1
Accountable$1.95M
- 2
Sprinter$311K
- 3
Union Protocol$266K
- 4
Credit Coop$246K
- 5
Clearpool Lending$200K
Highest rated
- 1
Kasu5.5
- 2
- 3
cSigma Finance5.1
- 4
- 5
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
Related guides
Blockchain
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Frequently asked questions
What is the largest uncollateralized lending dApp on Base by TVL?
Accountable is the largest uncollateralized lending dApp on Base by total value locked, with $1.95M across all the chains it supports. It is followed by Sprinter ($311K) and Union Protocol ($266K). TVL figures come from DefiLlama and change daily.
Which uncollateralized lending dApp on Base has the highest SkyBitcoins score?
Kasu has the highest score at 5.5/10, ahead of Clearpool Lending (5.2) and cSigma Finance (5.1). Scores weigh security, ease of use, fees and features, and are based only on facts we could verify.
How many uncollateralized lending dApps on Base has SkyBitcoins reviewed?
SkyBitcoins tracks 8 uncollateralized lending dApps on Base. Of these, 8 have a full review and 7 report value locked, $2.98M in total, counting value on every chain they support.
Which uncollateralized lending dApps on Base 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 +36.9% over the same seven days.
What is the average score for uncollateralized lending dApps on Base?
The 5 rated uncollateralized lending dApps on Base average 5.0 out of 10. Of these, 0 score 8 or higher and 2 score below 5.