DeFi · Category ranking
Best Uncollateralized Lending dApps in 2026
19 Uncollateralized Lending dApps ranked by SkyBitcoins score and total value locked. Open any row for the full review.
- Listed
- 19
- Reviewed
- 19
- Page
- 1/1
Uncollateralized Lending dApps at a glance
- Tracked
- 19
- Reviewed
- 19
- Total TVL
- $202M
- Avg. score
- 4.5/10
The SkyBitcoins index lists 19 uncollateralized lending dApps. Every one of them has a full review. Across the 15 with TVL data, the combined value locked is $202M. cap dominates, with 90% of that total. The top five account for 99%, while the median uncollateralized lending dApp holds $246K.
Ranked by TVL, cap ($183M), 3Jane Lending ($11.1M) and Wildcat Protocol ($2.71M) lead the field. The best-rated is Kasu with 5.5/10, followed by 3Jane Lending (5.2) and Wildcat Protocol (5.2). The 11 rated uncollateralized lending dApps average 4.5/10, and none scores 8 or above yet.
Most uncollateralized lending dApps run on Ethereum (14), Base (8) and Arbitrum (7). 61% are deployed on more than one chain. All 16 with a confirmed status are active. Over the last seven days, combined TVL 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
Kasu5.5
- 2
- 3
- 4
Clearpool Lending5.2
- 5
cSigma Finance5.1
| Chains | |||||
|---|---|---|---|---|---|
| 1 | KasuReviewed | Base, XDC +1 | $2.95K | +9.2% | 5.5 |
| 2 | 3Jane LendingReviewed | Ethereum | $11.1M | −7.8% | 5.2 |
| 3 | Wildcat ProtocolReviewed | Ethereum, Plasma | $2.71M | −83.1% | 5.2 |
| 4 | Clearpool LendingReviewed | Base, Ethereum +7 | $200K | −0.1% | 5.2 |
| 5 | cSigma FinanceReviewed | Ethereum, Arbitrum +2 | $1.24K | −0.1% | 5.1 |
| 6 | 3Jane OptionsReviewed | Ethereum | $97.0K | −0.9% | 5.0 |
| 7 | Union ProtocolReviewed | Optimism, Ethereum +2 | $266K | −0.1% | 4.5 |
| 8 | BionReviewed | Ethereum, Base +6 | — | — | 4.5 |
| 9 | BNPL PayReviewed | Ethereum | — | — | 3.5 |
| 10 | RocifiReviewed | Polygon, zkSync Era | — | — | 3.2 |
| 11 | CreditReviewed | World Chain | $12.5K | −49.6% | 3.0 |
| 12 | capReviewed | Ethereum | $183M | −2.3% | — |
| 13 | GoldfinchReviewed | Ethereum | $2.07M | −8.2% | — |
| 14 | AccountableReviewed | Monad, Arbitrum +6 | $1.95M | +65.3% | — |
| 15 | SprinterReviewed | Base | $311K | −0.0% | — |
| 16 | Credit CoopReviewed | Ethereum, Base +1 | $246K | +15.2% | — |
| 17 | Pareto CreditReviewed | Ethereum, Polygon +2 | $241K | +65.5% | — |
| 18 | TrueFiReviewed | Ethereum, Arbitrum | $21.7K | −0.1% | — |
| 19 | FlexiloanReviewed | — | — | — | — |
Ranked by SkyBitcoins score, then total value locked. Click a column to re-sort this page. TVL data via DefiLlama.
Where they run
Uncollateralized Lending dApps by chain
Frequently asked questions
What is the largest uncollateralized lending dApp by TVL?
cap is the largest uncollateralized lending dApp by total value locked, with $183M. 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 has the highest SkyBitcoins score?
Kasu has the highest score at 5.5/10, ahead of 3Jane Lending (5.2) and Wildcat Protocol (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 does SkyBitcoins track?
SkyBitcoins tracks 19 uncollateralized lending dApps. Of these, 19 have a full review and 15 report value locked, $202M in total.
What chains do most uncollateralized lending dApps run on?
Which uncollateralized lending dApps 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?
The 11 rated uncollateralized lending dApps average 4.5 out of 10. Of these, 0 score 8 or higher and 5 score below 5.