List of Decentralised Borrowing & Lending companies in Web3 (2026)

Fraxlend is a permissionless lending market for Frax stablecoins, enabling customized non-custodial loans and collateral asset onboarding to the Frax ecosystem.

Aave Protocol implements overcollateralized lending through automated liquidity pools, enabling supply and borrow operations across multiple blockchain networks. The system utilizes algorithmic interest rates and liquidation mechanisms to maintain protocol solvency and user capital efficiency.

Jupiter Lend provides overcollateralized borrowing and lending across multiple vaults on Solana. Users deposit assets as collateral to borrow stablecoins and tokens using dynamic interest rate models. The platform offers loan-to-value ratios up to 95%, with JLP vaults enabling USDC borrowing at 83% LTV. Liquidations execute through native JLP redemption rather than forced market selling, developed with Fluid.

Kava Mint is a collateralized-debt-position protocol on the Kava Network that lets users deposit supported crypto assets and borrow the USDX stablecoin against their collateral.

ERC4626-compliant lending protocol enabling users to deposit assets into the Liquidity Layer via fTokens to earn sustainable yields with gas-optimized operations.

Curve Lend is a permissionless lending market that lets users create isolated collateral-debt pairs backed by Curve’s LLAMMA design.

Bit2Me Loan implements over-collateralized lending through digital asset deposits, enabling instant credit access up to €1 million without traditional credit verification. The system requires collateral exceeding loan value by 200%, facilitating non-bank financing with immediate approval and real-time collateral monitoring.

Compound v2 provides pooled liquidity markets enabling users to supply assets as collateral and borrow multiple asset types. The system uses cTokens as receipt tokens representing supplied assets, with interest rates determined algorithmically based on utilization. Users can borrow any supported asset against their collateral while earning interest on supplied funds.

Echo Lending implements decentralized borrowing and lending markets for Bitcoin-backed assets and stablecoins on Aptos. Users supply aBTC, APT, eAPT, zUSDT, or zUSDC as collateral to borrow supported assets, with interest rates determined algorithmically based on utilization. The protocol enables Bitcoin holders to access leverage or liquidity without selling their BTC holdings while maintaining exposure through liquid staking tokens.

Folks Finance's Algorand application provides decentralized lending, borrowing, liquid staking, and trading services on the Algorand blockchain. Users can deposit assets to earn yield, borrow against collateral, stake ALGO through xALGO, and access DEX aggregation through Folks Router.

A lending protocol within Drift's ecosystem enabling users to lend or borrow assets with up to 5x leverage. The system implements dynamic interest rates based on utilization, automated collateral management, and risk-based borrowing limits. Borrowed assets integrate with trading functions through the unified margin system.

Angle Borrowing Module lets users deposit collateral and borrow Angle stablecoins through vault-based lending. The system supports leveraged positions and yield-bearing token collateral while maintaining liquidation mechanisms for risk management.

Kamino Finance app is an integrated DeFi platform on Solana providing lending, borrowing, liquidity provision, and institutional credit infrastructure. Core features include Lend for automated yield vaults, Borrow for over-collateralized loans across isolated markets, Liquidity for automated concentrated liquidity positions with fee compounding, Multiply for one-click leveraged strategies, and Swap for aggregated token trading. Institutional features include Fixed Rates for locking borrowing costs over fixed terms, Borrow Intents for posting custom loan parameters onchain, Off-Chain Collateral for borrowing against assets held in qualified custody via Chainlink attestation, and Private Credit Vaults for accessing BTC-backed institutional lending yields.

Bitfinex Borrow is a peer-to-peer lending platform enabling users to borrow digital assets against collateral with customizable terms. Users can set preferred interest rates and loan durations, or utilize automated tools to secure funding at current market rates for leveraged trading positions.

USDaLend provides decentralized lending services backed by USDa credit lines, allowing users to lend and borrow Bitcoin-backed stablecoins with stable and transparent rates across multiple blockchain networks.

BiFi Cross-chain is a decentralized lending protocol using Bifrost cross-chain infrastructure to enable native asset deposits and borrowing across blockchain networks without token wrapping. Validator-verified transactions maintain decentralized operations and real-time rate adjustments.

C.R.E.A.M. Lending Markets is a permissionless lending & borrowing pools where users supply crypto assets to earn interest or use as collateral to borrow.

The Interlay DeFi Hub is an integrated Bitcoin DeFi app running on the Interlay parachain, combining an AMM-based DEX, a borrowing protocol, and a lending market into a single interface at app.interlay.io. Users swap iBTC for other assets, borrow against iBTC collateral, or supply iBTC to earn yield from borrowers. The hub routes cross-chain liquidity through iBTC, enabling Bitcoin holders to access DeFi across 17 supported networks.

Euler Protocol enables users to create custom lending markets through modular vault architecture. The protocol uses the Euler Vault Kit for permissionless vault deployment and the Ethereum Vault Connector for cross-collateral functionality across multiple vault types.

Joule Finance implements isolated lending markets through smart contracts on MoveVM blockchains, enabling users to lend and borrow digital assets with independent position risk management. The platform provides LayerZero-powered cross-chain bridging for liquid restaking tokens between Ethereum and Aptos networks, leveraged yield farming across integrated DEX protocols, and composable liquidity anchors that allow dApps to access pooled liquidity for building yield strategies. The system features variable interest rates based on capital utilization, Efficiency Mode for optimized borrowing with correlated assets, and real-time risk scoring to prevent cascading liquidations. Money markets support native tokens, liquid staking derivatives, and bridged liquid restaking tokens from Ethereum protocols.

Adrastea Passive Pools was a decentralized lending product on Solana where users deposited stablecoins to earn yield. The pools provided liquidity for the leveraged JLP strategies, with principal protection for depositors.

JustLend DAO is a decentralized money market protocol on TRON enabling asset supply and borrowing through algorithmic interest rates. The system automatically matches suppliers and borrowers through smart contracts while providing jTokens as interest-bearing receipts. JustLend DAO includes staking functionality for TRX tokens and energy rental services to reduce transaction costs on the TRON network.

Anvil Protocol implements collateral management through smart contracts, enabling credit issuance and letter of credit creation. The system manages vault deposits while facilitating decentralized governance through ANVL token holders.

Aries Markets implements decentralized lending and borrowing with margin trading capabilities through unified margin accounts on Aptos. The protocol provides over-collateralized lending pools with algorithmic interest rates, leverage-enabled swaps via liquidity aggregation, and spot margin trading through on-chain order book infrastructure. The system features sub-account management for position isolation, efficiency mode enabling 90% LTV for correlated assets, yield-bearing tokens for DeFi composability, and token-agnostic flash loans with cross-asset repayment.

A decentralized borrowing and lending platform implementing Credit Account abstraction for composable leverage across DeFi protocols.

Everst Protocol provides lending and liquidation infrastructure for tokenized equities through dual-oracle aggregation and hybrid liquidation routing. The system enables borrowing, shorting, and hedging of tokenized stocks while managing liquidation through on-chain auctions or off-chain broker venues to minimize slippage during volatile equity market periods.

EnsoFi DApp implements cross-chain lending and liquidity providing through standardized interfaces, enabling yield farming across ecosystems and seamless asset management between blockchains.

Glow Finance implements cross-margin lending architecture through isolated margin accounts, enabling leveraged positions and automated yield strategies. The system integrates pooled lending with external protocol adapters while maintaining composability across the Solana ecosystem through pre-built recipe strategies.

Hawksight is a DeFi app that enables users to earn yield from DeFi protocols on Solana and Terra through automated investment strategies and AI-powered trading signals.

Apricot is an lending protocol that supports leveraged yield farming on Solana.

Auro Finance Protocol is a collateral debt position protocol enabling users to deposit liquid staking tokens as collateral to mint USDA stablecoins while earning yield on deposits. The system supports multiple staked APT variants through unified smart contracts with algorithmic interest rates and automated liquidation mechanisms.

BENQI Markets provides lending and borrowing pools through Core Markets for liquid assets and Avalanche Ecosystem Markets for long-tail assets and tokenized real-world assets. The protocol uses algorithmic interest rate models and isolated market architecture for risk management.

Francium is a DeFi yield strategy platform built on Solana that offers automated strategies including leveraged farming, DeFi combinations, and smart trading for users and strategy builders.

RealFi implements decentralized finance protocols supporting lending, borrowing, and staking operations. The platform enables yield generation and collateral management through algorithmic market mechanisms and liquidity provision.

Echelon V1 provides decentralized lending and borrowing infrastructure through isolated market pairs on Move-based blockchains. The protocol enables users to supply assets for yield generation and access overcollateralized loans through vault-based accounting systems. It implements dynamic interest rate mechanisms, E-Mode for correlated asset pairs, and modular market structures across Aptos, Movement, and Initia networks.

Felix Protocol provides decentralized borrowing and lending services on Hyperliquid L1 through two integrated systems. The CDP Market enables users to mint feUSD stablecoin by depositing crypto collateral with user-selectable fixed interest rates and stability pool mechanisms for liquidations. The Vanilla Markets offer variable-rate lending pools where users can supply or borrow asset-native tokens including HYPE, USDC, and HUSD with dynamically adjusted rates. Users can leverage positions through the CDP system, earn yield by depositing feUSD into stability pools, or participate in traditional supply and borrow operations across both markets within a unified interface.

Perpetual NFT-backed loans with flexible terms and refinancing options.

Exactly Protocol implements autonomous fixed and variable interest rate markets through utilization-based pricing, enabling users to lend and borrow crypto assets across multiple maturity pools. The system determines fixed rates based on pool demand rather than token pricing while maintaining capital efficiency through automated liquidity provision between variable and fixed rate pools.

Credit Pools is a lending infrastructure that issues loans to entrepreneurs and merchants based on mobile phone data and social reputation, with transactions tracked on-chain and organized by targeted pools.

Huma V2 is a yield platform on Solana enabling users to earn returns from real-world payment financing activities through liquidity provision. Users deposit USDC to receive liquid PST tokens representing their share, choosing between Classic mode for stable yield or Maxi mode for reward multipliers. The platform generates returns through transaction fees paid by businesses accessing payment settlement liquidity.

Morphine implements a sub-account architecture for DeFi position management on StarkNet, facilitating undercollateralized lending through dynamic interest rate mechanisms. The system computes real-time yield opportunities while enabling users to set automated position management conditions like take-profit and stop-loss. The protocol aggregates yield sources from multiple StarkNet DeFi protocols, allowing users to maintain exposure to assets while earning yields and applying leverage.

P2P lending platform on Solana for NFT-backed loans. Users can borrow against or lend to Solana NFTs with fast transactions and customizable terms.

Hashstack Open enables permissionless under-collateralized lending on Starknet. Users can borrow up to 500% of their collateral and utilize loans directly for trading on integrated DEXes.

Hobba is a decentralized borrowing and lending platform on Solana that lets users deposit collateral and borrow stablecoins. Users adjust loan-to-value ratios, view liquidation pricing, and use smart earning features to manage risk.

Affluent Protocol is a money market infrastructure on TON Blockchain facilitating trustless yield generation through isolated lending pools and expert-managed strategy vaults. The system combines smart contract automation with professional vault management to allocate user deposits across lending markets, DeFi protocols, and real-world asset strategies. Users access the protocol through Telegram Wallet with one-click deposits while maintaining non-custodial control. The architecture employs TVM-optimized design for parallel processing and modular components for composability.

Asgard Credit Layer is an on-chain credit protocol on Solana that introduces Credit Accounts enabling users to borrow up to 10x their collateral value for deployment across Solana DeFi protocols. The system maintains algorithmic overcollateralization while simulating undercollateralization for borrowers, allowing margin trading, leveraged staking positions, LP yield farming, and stablecoin rate differentials through integration with whitelisted protocols.

attn.markets Platform facilitates revenue-backed credit lines through revenue accounts, cash advances, and revolving credit facilities. The system routes onchain revenues into jointly governed accounts, proposes revenue share and horizon parameters, and executes automatic repayment routing while positions remain active. Liquidity providers deposit stablecoins into priority pools to earn yield from diversified revenue-backed positions via attnUSD tokens.

Jet Protocol enables fixed-rate, fixed-term borrowing/lending via orderbook. Supports maker/taker orders and autoroll for chained loans/borrows. Secured by collateral margin accounts. Term deposits contribute zero collateral initially but can increase via governance.

Fixed-rate lending and borrowing platform for digital and tokenized assets with customizable terms and complex collateral types.

iLoop's AI Lending Protocol is a decentralized platform for borrowing and lending assets. It helps users optimize capital efficiency through AI-driven automation.