Best of · Ethereum · Updated
The best Uncollateralized Lending dApps on Ethereum in 2026
We track 14 Uncollateralized Lending dApps that run on Ethereum and have reviewed 8 of them in full. Our top pick is 3Jane Lending. Each one is scored on security, ease of use, fees and features.
Ranked list
- 1
3Jane Lending
Uncollateralized Lending · Ethereum
3Jane offers a way to supply USDC into credit-backed USD3 and stake it as sUSD3. The yield comes with borrower credit risk, and key withdrawal, fee and audit details need checking before you deposit.
ScoreScore 5.2 out of 10TVL $11.1M−7.8% - 2
Wildcat Protocol
Uncollateralized Lending · Ethereum, Plasma
Wildcat lets borrowers create configurable, undercollateralized credit markets and lenders choose whether to fund them. It may suit experienced users who can assess borrowers and tolerate losses.
ScoreScore 5.2 out of 10TVL $2.71M−83.1% - 3
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% - 4
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% - 5
3Jane Options
Uncollateralized Lending · Ethereum
3Jane presents itself as a credit-backed yieldcoin and lending protocol, not an options vault. You can deposit USDC to mint USD3 or stake for sUSD3, but check the credit, redemption and smart-contract risks before committing funds.
ScoreScore 5.0 out of 10TVL $97.0K−0.9% - 6
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% - 7
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 — - 8
BNPL Pay
Uncollateralized Lending · Ethereum
BNPL Pay connects lenders with buy-now-pay-later providers through Ethereum liquidity pools. Its model is understandable, but published details on fees, loan performance and safeguards are too limited to treat its promised returns as dependable.
ScoreScore 3.5 out of 10TVL — - 9
cap
Uncollateralized Lending · Ethereum
Cap is an Ethereum-based USD credit and stablecoin platform, but key details on fees, risk protections and getting started are missing. Treat it as research-only until you can verify the terms for its products.
ScoreNot rated yetTVL $183M−2.3% - 10
Goldfinch
Uncollateralized Lending · Ethereum
Goldfinch Prime is shutting down and taking no new deposits. Withdrawal terms for existing investors and the status of Goldfinch’s legacy app are not published.
ScoreNot rated yetTVL $2.07M−8.2% - 11
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% - 12
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% - 13
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% - 14
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 Ethereum: the numbers
- Tracked
- 14
- Reviewed
- 14
- Total TVL
- $202M
- Avg. score
- 4.8/10
SkyBitcoins tracks 14 uncollateralized lending dApps on Ethereum. Every one of them has a full review. Across the 12 with TVL data, the combined value locked is $202M, counting value on every chain they support. cap dominates, with 91% of that total. The five largest make up 99% of the total; the median is $246K.
Ranked by TVL, cap ($183M), 3Jane Lending ($11.1M) and Wildcat Protocol ($2.71M) lead the field. The best-rated is 3Jane Lending with 5.2/10, followed by Wildcat Protocol (5.2) and Clearpool Lending (5.2). The 8 rated uncollateralized lending dApps average 4.8/10, and none scores 8 or above yet.
Many also deploy elsewhere, most often on Arbitrum (7), Base (6) and Optimism (4). All 13 with a confirmed status are active. In the past week, total value locked fell 8.1%. Accountable gained the most (+65.3%), while Wildcat Protocol dropped the most (−83.1%).
Largest by TVL
- 1
cap$183M
- 2
3Jane Lending$11.1M
- 3
Wildcat Protocol$2.71M
- 4
Goldfinch$2.07M
- 5
Accountable$1.95M
Highest rated
- 1
- 2
- 3
Clearpool Lending5.2
- 4
cSigma Finance5.1
- 5
3Jane Options5.0
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.
Guides
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Frequently asked questions
What is the largest uncollateralized lending dApp on Ethereum by TVL?
cap is the largest uncollateralized lending dApp on Ethereum by total value locked, with $183M across all the chains it supports. It is followed by 3Jane Lending ($11.1M) and Wildcat Protocol ($2.71M). TVL figures come from DefiLlama and change daily.
Which uncollateralized lending dApp on Ethereum has the highest SkyBitcoins score?
3Jane Lending has the highest score at 5.2/10, ahead of Wildcat Protocol (5.2) and Clearpool Lending (5.2). Scores weigh security, ease of use, fees and features, and are based only on facts we could verify.
How many uncollateralized lending dApps on Ethereum has SkyBitcoins reviewed?
SkyBitcoins tracks 14 uncollateralized lending dApps on Ethereum. Of these, 14 have a full review and 12 report value locked, $202M in total, counting value on every chain they support.
Which uncollateralized lending dApps on Ethereum grew the most this week?
Among uncollateralized lending dApps with at least $1M locked, Accountable had the biggest 7-day TVL gain (+65.3%) and Wildcat Protocol the biggest drop (−83.1%). Combined TVL moved −8.1% over the same seven days.
What is the average score for uncollateralized lending dApps on Ethereum?
The 8 rated uncollateralized lending dApps on Ethereum average 4.8 out of 10. Of these, 0 score 8 or higher and 3 score below 5.