DeFi · Category ranking
Best Lending dApps in 2026
406 Lending dApps ranked by SkyBitcoins score and total value locked. Open any row for the full review.
- Listed
- 406
- Reviewed
- 406
- Page
- 1/9
Lending dApps at a glance
- Tracked
- 406
- Reviewed
- 406
- Total TVL
- $41.6B
- Avg. score
- 4.6/10
The SkyBitcoins index lists 406 lending dApps. Every one of them has a full review. The 266 that report TVL hold $41.6B between them. Aave V3 is the clear leader, holding 38% of it. The top five account for 82%, while the median lending dApp holds $244K.
Ranked by TVL, Aave V3 ($15.8B), Morpho Blue ($10.9B) and SparkLend ($5.00B) lead the field. The best-rated is Aave with 7.7/10, followed by Aave V3 (7.6) and Compound V3 (7.2). The 198 rated lending dApps average 4.6/10, and none scores 8 or above yet.
The most common chains for lending dApps are Ethereum (127), Arbitrum (65) and Base (58). 33% are deployed on more than one chain. Of the 249 with a confirmed status, 222 are active and 27 are inactive or wound down. Over the last seven days, combined TVL rose 0.7%. Fira gained the most (+79.4%), while Capyfi dropped the most (−39.0%).
Largest by TVL
- 1
Aave V3$15.8B
- 2
Morpho Blue$10.9B
- 3
SparkLend$5.00B
- 4
Compound V3$1.25B
- 5
Kamino Lend$1.18B
Highest rated
- 1Aave7.7
- 2
- 3
- 4
Aave V47.1
- 5
Euler V27.1
| Chains | |||||
|---|---|---|---|---|---|
| 1 | AaveReviewed | Ethereum | — | — | 7.7 |
| 2 | Aave V3Reviewed | Ethereum, Base +19 | $15.8B | +3.4% | 7.6 |
| 3 | Compound V3Reviewed | Ethereum, Arbitrum +8 | $1.25B | −3.3% | 7.2 |
| 4 | Aave V4Reviewed | Ethereum, Arc +2 | $810M | +19.1% | 7.1 |
| 5 | Euler V2Reviewed | Monad, Ethereum +14 | $267M | −0.9% | 7.1 |
| 6 | Morpho BlueReviewed | Ethereum, Base +42 | $10.9B | −0.4% | 7.0 |
| 7 | SparkLendReviewed | Ethereum, xDai | $5.00B | +1.1% | 7.0 |
| 8 | MorphoReviewed | Ethereum, Base | — | — | 6.8 |
| 9 | Euler FinanceReviewed | Ethereum | — | — | 6.8 |
| 10 | Nolus ProtocolReviewed | Solana, Neutron +1 | $457K | −1.4% | 6.6 |
| 11 | DolomiteReviewed | Ethereum, Arbitrum +5 | $142M | −19.6% | 6.5 |
| 12 | NAVI LendingReviewed | Sui | $126M | −11.2% | 6.5 |
| 13 | Inverse FinanceReviewed | Ethereum | — | — | 6.5 |
| 14 | Aave V2Reviewed | Ethereum, Polygon +1 | $98.4M | −3.1% | 6.4 |
| 15 | Folks Finance LendingReviewed | Algorand | $22.4M | −0.6% | 6.4 |
| 16 | Fathom LendingReviewed | XDC | $298K | −1.5% | 6.4 |
| 17 | Fathom CDPReviewed | XDC | $231K | −1.2% | 6.4 |
| 18 | Fathom AMMReviewed | XDC | $46.3K | −0.0% | 6.4 |
| 19 | 40 AcresReviewed | Avalanche, Base +1 | $2.43M | +2.1% | 6.3 |
| 20 | GraniteReviewed | Stacks | $6.41M | −4.5% | 6.2 |
| 21 | TermFinance VaultsReviewed | Avalanche, Ethereum +4 | $1.68M | +0.3% | 6.2 |
| 22 | KaskadReviewed | Robinhood Chain, Other | $661K | −1.0% | 6.2 |
| 23 | PWNReviewed | Polygon, Ethereum +10 | $21.1K | −0.4% | 6.2 |
| 24 | MoonwellReviewed | Base, Optimism +1 | — | — | 6.2 |
| 25 | BenqiReviewed | Avalanche | — | — | 6.2 |
| 26 | TwyneReviewed | Ethereum | $1.47M | −4.8% | 6.1 |
| 27 | Mystic Finance LendingReviewed | Flare, Citrea +3 | $31.6M | +0.5% | 6.0 |
| 28 | CompoundReviewed | Ethereum | — | — | 6.0 |
| 29 | KaminoReviewed | Solana | — | — | 6.0 |
| 30 | Venus Core PoolReviewed | BNB Chain, Ethereum +6 | $1.08B | −5.7% | 5.8 |
| 31 | Compound V2Reviewed | Ethereum | $94.9M | −3.0% | 5.8 |
| 32 | Flux FinanceReviewed | Ethereum | $43.6M | −0.1% | 5.8 |
| 33 | GearboxReviewed | Ethereum, Etherlink +9 | $22.1M | −3.7% | 5.8 |
| 34 | ArkisReviewed | Hyperliquid L1, Ethereum | $4.84M | +7228% | 5.8 |
| 35 | Chainflip LendingReviewed | Other, Bitcoin +2 | $4.52M | +1.6% | 5.8 |
| 36 | Neptune FinanceReviewed | Injective | $3.77M | +12.3% | 5.8 |
| 37 | TermFinance LendReviewed | Ethereum, Arbitrum +3 | $3.36M | −4.5% | 5.8 |
| 38 | MortgageFiReviewed | Base, Arbitrum +1 | $927K | −2.3% | 5.8 |
| 39 | TermMaxReviewed | Ethereum, Berachain +7 | $686K | −1.4% | 5.8 |
| 40 | AurigamiReviewed | Aurora | $626K | −9.3% | 5.8 |
| 41 | Impermax V3Reviewed | Base, Unichain +2 | $2.23K | −1.8% | 5.8 |
| 42 | EvaaReviewed | TON | — | — | 5.8 |
| 43 | CurvanceReviewed | Monad | $136M | +1.0% | 5.7 |
| 44 | SaveReviewed | Solana, Eclipse | $70.9M | −6.4% | 5.7 |
| 45 | LiquidiumReviewed | ICP | $4.05M | −4.9% | 5.7 |
| 46 | Exa AppReviewed | — | — | — | 5.7 |
| 47 | OmnipairReviewed | Solana | $519K | −4.0% | 5.6 |
| 48 | Kamino LendReviewed | Solana | $1.18B | −3.8% | 5.5 |
| 49 | Cooler LoansReviewed | Ethereum | $203M | −9.0% | 5.5 |
| 50 | BENDReviewed | Berachain | $9.48M | −5.7% | 5.5 |
Ranked by SkyBitcoins score, then total value locked. Click a column to re-sort this page. TVL data via DefiLlama.
Where they run
Lending dApps by chain
Frequently asked questions
What is the largest lending dApp by TVL?
Aave V3 is the largest lending dApp by total value locked, with $15.8B. It is followed by Morpho Blue ($10.9B) and SparkLend ($5.00B). TVL figures come from DefiLlama and change daily.
Which lending dApp has the highest SkyBitcoins score?
Aave has the highest score at 7.7/10, ahead of Aave V3 (7.6) and Compound V3 (7.2). Scores weigh security, ease of use, fees and features, and are based only on facts we could verify.
How many lending dApps does SkyBitcoins track?
SkyBitcoins tracks 406 lending dApps. Of these, 406 have a full review and 266 report value locked, $41.6B in total.
What chains do most lending dApps run on?
Which lending dApps grew the most this week?
What is the average score for lending dApps?
The 198 rated lending dApps average 4.6 out of 10. Of these, 0 score 8 or higher and 107 score below 5.