DeFi · Category ranking
Best RWA Lending dApps in 2026
18 RWA Lending dApps ranked by SkyBitcoins score and total value locked. Open any row for the full review.
- Listed
- 18
- Reviewed
- 18
- Page
- 1/1
RWA Lending dApps at a glance
- Tracked
- 18
- Reviewed
- 18
- Total TVL
- $224M
- Avg. score
- 4.5/10
There are 18 RWA lending dApps in the SkyBitcoins index. Every one of them has a full review. The 10 that report TVL hold $224M between them. Aave Horizon RWA dominates, with 98% of that total. The top five account for 100%, while the median RWA lending dApp holds $152K.
By value locked, the largest RWA lending dApps are Aave Horizon RWA ($219M), Kea Credit ($2.98M) and Travessia Credit ($1.43M). The best-rated is Aave Horizon RWA with 5.5/10, followed by Travessia Credit (5.0) and Polytrade Finance (5.0). That makes Aave Horizon RWA both the biggest and the best-rated. The 12 rated RWA lending dApps average 4.5/10, and none scores 8 or above yet.
Most RWA lending dApps run on Ethereum (6), Polygon (4) and Base (4). 38% are deployed on more than one chain. All 14 with a confirmed status are active. Over the last seven days, combined TVL was roughly flat (−0.2%). Travessia Credit gained the most (+0.4%), while Aave Horizon RWA dropped the most (−0.2%).
Largest by TVL
- 1
Aave Horizon RWA$219M
- 2
Kea Credit$2.98M
- 3
Travessia Credit$1.43M
- 4
HARVEST FLOW$524K
- 5
Bondlink Finance$152K
Highest rated
- 1
- 2
- 3
Polytrade Finance5.0
- 4
TProtocol V24.5
- 5
Altr4.5
| Chains | |||||
|---|---|---|---|---|---|
| 1 | Aave Horizon RWAReviewed | Ethereum | $219M | −0.2% | 5.5 |
| 2 | Travessia CreditReviewed | Ethereum, Avalanche +3 | $1.43M | +0.4% | 5.0 |
| 3 | Polytrade FinanceReviewed | Polygon, Base +2 | — | — | 5.0 |
| 4 | TProtocol V2Reviewed | Ethereum | $32.9K | +0.1% | 4.5 |
| 5 | AltrReviewed | Polygon | — | — | 4.5 |
| 6 | ClearpoolReviewed | — | — | — | 4.5 |
| 7 | RAACReviewed | — | — | — | 4.5 |
| 8 | BondflowReviewed | — | — | — | 4.5 |
| 9 | Credefi FinanceReviewed | — | — | — | 4.2 |
| 10 | Kea CreditReviewed | Hedera | $2.98M | 0.0% | 4.0 |
| 11 | Unblock EquityReviewed | Base | $23.7K | +0.2% | 4.0 |
| 12 | EthicHubReviewed | Ethereum, Celo +1 | $185 | −25.9% | 4.0 |
| 13 | HARVEST FLOWReviewed | Plume, Polygon +1 | $524K | 0.0% | — |
| 14 | Bondlink FinanceReviewed | Ethereum | $152K | 0.0% | — |
| 15 | Untangled RWAReviewed | Stellar | $152K | −0.0% | — |
| 16 | NAOS FinanceReviewed | BNB Chain, Ethereum | $18.9K | +0.3% | — |
| 17 | Multipli.fiReviewed | — | — | — | — |
| 18 | 8lendsReviewed | Base | — | — | — |
Ranked by SkyBitcoins score, then total value locked. Click a column to re-sort this page. TVL data via DefiLlama.
Where they run
RWA Lending dApps by chain
Frequently asked questions
What is the largest RWA lending dApp by TVL?
Aave Horizon RWA is the largest RWA lending dApp by total value locked, with $219M. It is followed by Kea Credit ($2.98M) and Travessia Credit ($1.43M). TVL figures come from DefiLlama and change daily.
Which RWA lending dApp has the highest SkyBitcoins score?
Aave Horizon RWA has the highest score at 5.5/10, ahead of Travessia Credit (5.0) and Polytrade Finance (5.0). Scores weigh security, ease of use, fees and features, and are based only on facts we could verify.
How many RWA lending dApps does SkyBitcoins track?
SkyBitcoins tracks 18 RWA lending dApps. Of these, 18 have a full review and 10 report value locked, $224M in total.
What chains do most RWA lending dApps run on?
Which RWA lending dApps grew the most this week?
Among RWA lending dApps with at least $1M locked, Travessia Credit had the biggest 7-day TVL gain (+0.4%) and Aave Horizon RWA the biggest drop (−0.2%). Combined TVL moved −0.2% over the same seven days.
What is the average score for RWA lending dApps?
The 12 rated RWA lending dApps average 4.5 out of 10. Of these, 0 score 8 or higher and 9 score below 5.