Lending & Borrowing

This list features the best crypto lending and borrowing platforms. Mostly DeFi apps.

Aave Aave 5.0 Aave serves as a decentralized, non-custodial liquidity protocol in DeFi, allowing users to supply assets for interest or borrow against overcollateralized positions. It operates across Ethereum and over 12 EVM-compatible networks, handling billions in weekly volume and net deposits. Core services include lending and borrowing with variable or stable rates, token swaps for any ERC-20, staking for protocol security rewards, and governance via AAVE token voting on improvements like asset listings. The native GHO stablecoin offers decentralized, overcollateralized stability. Key elements feature health factor monitoring for borrow risks, multi-network deployment for broad accessibility, and emphasis on transparency through open-source code and composability with other DeFi tools. Security draws from multiple audits, a bug bounty program, and a Safety Module backstop, supporting diverse assets like USDC and USDT while noting inherent protocol risks.
Bybit Bybit 5.0 Bybit Crypto Loans offers premium borrowing against crypto collateral like ETH and BTC, with flexible and fixed-rate options at competitive hourly/annual interest rates. Users access up to 80% LTV, enabling leveraged trading without selling assets, while enjoying HODL strategies and low-risk liquidation safeguards at 95% LTV for elite portfolio optimization.
Compound Compound 5.0 Compound Finance is a decentralized lending protocol on Ethereum, enabling users to supply assets to earn interest or borrow against collateral with variable rates. It supports major cryptocurrencies like ETH, USDC, and WBTC, using algorithmic interest based on supply-demand dynamics. Governance occurs via COMP token holders proposing and voting on upgrades, with multi-chain expansions to networks like Polygon and Avalanche for broader accessibility.
Jupiter Jupiter 5.0 Jupiter's Lend Earn platform on Solana allows users to earn yields by lending assets like SOL, USDC, and others through integrated DeFi protocols. It offers competitive APYs, auto-compounding rewards, and risk management via diversified pools. Key features include easy deposits, real-time monitoring, and seamless integration with Jupiter's DEX aggregator for optimized returns. Benefits encompass passive income generation, low fees, and security through audited smart contracts, making it ideal for Solana ecosystem participants seeking efficient lending opportunities.
MEXC MEXC 5.0 Allows users to borrow one cryptocurrency by using another as collateral, typically for purposes like spot trading, derivatives, investment, or withdrawals. Interest is calculated daily based on the loan’s duration, and the loan-to-value (LTV) ratio determines how much you can borrow relative to your collateral. Repayment is required after a set period (usually ≥ 30 days), and collateral is returned once the loan and interest have been fully repaid.