DeFi lending and borrowing platforms let you put your crypto to work as collateral or earn yield by supplying liquidity. Protocols like Aave, Compound, MakerDAO, and Morpho operate transparently on-chain, with interest rates set algorithmically by supply and demand. This list covers the top platforms across Ethereum, Solana, Avalanche, and other chains.
1
4.9
Aave
AAVE
$119.56
24h: +0.6%
Aave is the leading decentralized lending protocol allowing users to earn interest on deposited assets or borrow against crypto collateral across multiple blockchain networks.
2
4.7
Compound
COMP
$21.29
24h: +1.8%
Compound Finance is a decentralized lending protocol where interest rates adjust algorithmically based on supply and demand, allowing users to earn yield or borrow against crypto collateral.
3
4.7
Benqi
QI
Avalanche
Benqi operates the largest lending and borrowing market on Avalanche, supporting a wide range of assets with variable interest rates and robust liquidation mechanisms.
4
4.7
Morpho
MORPHO
Ethereum
Morpho is an advanced lending protocol offering peer-to-peer rate optimization and permissionless market creation through its Morpho Blue primitive and curated MetaMorpho vaults.
5
4.6
MakerDAO
MKR
Ethereum
MakerDAO is one of the original DeFi lending protocols, allowing users to borrow the DAI stablecoin against crypto collateral deposited in Maker Vaults with variable stability fees.
6
4.4
Centrifuge
CFG
Ethereum
Centrifuge enables real-world borrowers to access DeFi liquidity by tokenizing their assets as collateral, while on-chain lenders earn yield from real-world cash flows.
7
4.4
Spark Protocol
SPK
Ethereum
Spark Protocol provides lending and borrowing with direct access to MakerDAO credit facilities, offering competitive DAI/USDS borrow rates through Maker governance.
8
4.4
Venus Protocol
XVS
BNB Chain
Venus Protocol is the largest lending and borrowing market on BNB Chain, offering isolated pools and algorithmic interest rates for a wide range of BEP-20 tokens.
9
4.3
Bitfinex
LEO
Ethereum
Bitfinex features a peer-to-peer funding marketplace where users can lend their crypto assets to margin traders and earn interest on their holdings.
10
4.2
Bybit
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 liquida
11
4.2
Instadapp
INST
Ethereum
Instadapp aggregates lending and borrowing protocols like Aave, Compound, and MakerDAO, enabling users to manage, refinance, and optimize debt positions across protocols.
12
4.2
Maple Finance
MPL
Ethereum
Maple Finance provides institutional-grade undercollateralized lending with professional credit assessment, connecting DeFi lenders with vetted institutional borrowers.
13
4.1
Goldfinch
GFI
Ethereum
Goldfinch provides undercollateralized crypto loans to real-world businesses, enabling DeFi lenders to earn yield from emerging market credit facilities.
14
4.0
Clearpool
CPOOL
Ethereum
Clearpool operates a decentralized credit marketplace with single-borrower unsecured lending pools for institutional borrowers, featuring dynamic interest rates.
15
3.9
Euler Finance
EUL
Ethereum
Euler Finance is a modular lending protocol enabling permissionless market creation through its Euler Vault Kit, with customizable risk parameters and nested collateral structures.
16
3.9
TrueFi
TRU
Ethereum
TrueFi provides institutional uncollateralized lending, allowing vetted borrowers to access crypto capital while lenders earn yield from interest payments.
17
3.9
MEXC
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 you
18
3.8
Unchained Capital
Bitcoin
Unchained offers Bitcoin-backed loans using multisig collateral vaults, allowing Bitcoin holders to access USD liquidity without selling their BTC holdings.
19
3.5
Jupiter
JUP
$0.155720
24h: +1.8%
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
20
3.5
Mars Protocol
MARS
Cosmos
Mars Protocol provides decentralized lending and borrowing on Cosmos through its Red Bank and Rover credit accounts, supporting overcollateralized loans and leveraged yield farming.
21
3.3
Radiant Capital
RDNT
Arbitrum
Radiant Capital provides omnichain lending and borrowing, allowing users to deposit collateral on one chain and borrow on another through LayerZero cross-chain messaging.
Latest from Cryptografy
An honest look at where the Lightning Network stands — real adoption data, UX friction, routing challenges, and whether it solves the payments problem Bitcoin actually needs solved.
A practical framework for building a crypto portfolio with dollar-cost averaging, allocation tiers, and rebalancing rules — designed for people who want a strategy beyond buying and hoping.
An honest look at Solana: how Proof of History works, why the outages happened, where the ecosystem has real traction, and the genuine tradeoffs between speed and decentralization.
Cross-chain bridges have lost over $2.5 billion to hacks. Here is how they work, why they keep breaking, and how newer designs like intent-based bridging and chain abstraction aim to fix the problem.