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

    A peer-to-peer financial system on the blockchain that allows users to collateralize digital assets without the need for a central authority.

    101 projects found · Last updated Mar 20, 2026

    Projects

    Deployed on:
    Supports:
    Frax Finance logo

    Frax Finance

    The Future of Digital Money

    Fraxlend
    Decentralised Borrowing & Lending

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

    Deployed on:
    Finance
    Aave logo

    Aave

    Access the full power of DeFi.

    Aave Protocol
    Decentralised Borrowing & Lending

    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.

    Deployed on:
    Finance
    Jupiter logo

    Jupiter

    The DeFi Superapp

    Jupiter Lend
    Decentralised Borrowing & Lending

    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.

    Deployed on:
    Supports:
    (1)
    Finance
    Kava Network logo

    Kava Network

    Leading The World To Web3

    Kava Mint
    Decentralised Borrowing & Lending

    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.

    Supports:
    (3)
    Blockchain Platforms
    Fluid logo

    Fluid

    Financial system of the future

    Fluid Lending Protocol
    Decentralised Borrowing & Lending

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

    Deployed on:
    Supports:
    (1)
    Finance
    Nostra logo

    Nostra

    The Crypto Super App. Lend, borrow, swap and bridge your crypto in one place.

    Nostra Money Market
    Decentralised Borrowing & Lending

    Nostra Money Market enables lending and borrowing of digital assets on Starknet through tokenized positions. The protocol uses risk tiers, efficiency modes, and dynamic interest rates to manage lending operations. Users can supply assets to earn interest or borrow against collateral with automated liquidation protection.

    Deployed on:
    Supports:
    (2)
    Finance
    Curve Finance logo

    Curve Finance

    Creating deep on-chain liquidity using advanced bonding curves

    Curve Lend
    Decentralised Borrowing & Lending

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

    Deployed on:
    Supports:
    (1)
    Finance
    Bit2Me logo

    Bit2Me

    The world's most secure, easy-to-use, and comprehensive cryptocurrency platform

    Bit2Me Loan
    Decentralised Borrowing & Lending

    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.

    Finance
    Compound logo

    Compound

    Building infrastructure for the future of finance.

    Compound v2
    Decentralised Borrowing & Lending

    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.

    Deployed on:
    Finance
    Wirex logo

    Wirex

    I pay my way. I pay by Wirex

    Wirex Credit
    Decentralised Borrowing & Lending

    Wirex Credit allows users to borrow stablecoins using cryptocurrency as collateral, supporting up to 70% loan-to-value ratio with flexible repayment terms.

    Supports:
    (6)
    Finance
    Echo Protocol logo

    Echo Protocol

    Bitcoin Staking & Liquidity Layer

    Echo Lending
    Decentralised Borrowing & Lending

    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.

    Deployed on:
    Supports:
    (10)
    Finance
    Folks Finance logo

    Folks Finance

    Lend. Borrow. Stake. Trade.

    Algorand App
    Decentralised Borrowing & Lending

    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.

    Supports:
    (1)
    Finance
    Venus Protocol logo

    Venus Protocol

    Universal Money Markets

    Venus Protocol
    Decentralised Borrowing & Lending

    Venus Protocol operates algorithmic money markets enabling over-collateralized lending and borrowing through core and isolated pool architectures. The system calculates interest rates based on supply and demand dynamics while maintaining collateral ratios through automated liquidation mechanisms. Risk management separates assets into distinct pools with independent parameters including collateral factors and rate models. Protocol revenue distributes to XVS stakers through Venus Prime using non-transferable soulbound tokens that boost yields based on staking duration and market participation. Users mint VAI stablecoin against supplied collateral with peg stability maintained through direct swaps between VAI and other stablecoins at fixed ratios.

    Deployed on:
    +2
    Finance
    Drift Protocol logo

    Drift Protocol

    Built for Traders. Engineered for Execution.

    Drift Lending
    Decentralised Borrowing & Lending

    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.

    Supports:
    (4)
    Finance
    Angle logo

    Angle

    Ask more from your money

    Angle Borrowing Module
    Decentralised Borrowing & Lending

    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.

    Deployed on:
    Supports:
    (1)
    Finance
    Kamino Finance logo

    Kamino Finance

    Borrow, Earn and Leverage on Solana

    Kamino Finance app
    Decentralised Borrowing & Lending

    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.

    Deployed on:
    Supports:
    KA(1)
    Finance
    Bitfinex logo

    Bitfinex

    The Original Bitcoin Exchange

    Bitfinex Borrow
    Decentralised Borrowing & Lending

    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.

    Supports:
    (2)
    Finance
    Morpho logo

    Morpho

    Open infrastructure for onchain loans

    Morpho Blue Protocol
    Decentralised Borrowing & Lending

    Morpho implements algorithmic loan matching through smart contracts to optimize interest rates for lenders and borrowers. The system calculates collateralization requirements and liquidation thresholds while maintaining security through immutable code and formal verification. The protocol processes lending operations through transparent Ethereum and Base deployments, enabling risk-aware capital allocation.

    Deployed on:
    Supports:
    (1)
    Finance
    Avalon Labs logo

    Avalon Labs

    Powering Bitcoin On-Chain Capital Markets

    USDaLend
    Decentralised Borrowing & Lending

    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.

    Supports:
    (6)
    Finance
    Radiant Capital logo

    Radiant Capital

    Earn Interest & Borrow Assets Cross-Chain, Seamlessly

    Radiant Protocol
    Decentralised Borrowing & Lending

    Radiant Protocol provides cross-chain lending and borrowing infrastructure using LayerZero messaging protocol, enabling users to deposit collateral on one blockchain and borrow assets on different chains. The system utilizes dynamic liquidity provisioning where users lock RDNT liquidity tokens to earn protocol fees and activate emissions eligibility.

    Deployed on:
    Supports:
    (1)
    Finance
    Thala logo

    Thala

    The hyperapp and liquidity engine of Move

    Thala CDP (Move Dollar vaults)
    Decentralised Borrowing & Lending

    Thala CDP deploys collateralized debt positions for MOD stablecoin minting, accepting diverse collateral including liquid staking derivatives, LP tokens, and real-world assets. The system maintains over-collateralization while optimizing capital efficiency through yield-bearing collateral.

    Deployed on:
    Finance
    BiFi logo

    BiFi

    The ultimate cross-chain DeFi platform

    BiFi Cross-chain
    Decentralised Borrowing & Lending

    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.

    Deployed on:
    Supports:
    (5)
    Finance
    C.R.E.A.M. Finance logo

    C.R.E.A.M. Finance

    Crypto Rules Everything Around Me

    C.R.E.A.M. Lending Markets
    Decentralised Borrowing & Lending

    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.

    Deployed on:
    Supports:
    (5)
    Finance
    Loopscale logo

    Loopscale

    A better way to borrow and lend

    Loopscale Protocol
    Decentralised Borrowing & Lending

    An order book-based lending protocol on Solana enabling fixed-rate, overcollateralized loans through direct matching between lenders and borrowers. The protocol supports customizable loan terms including rate, collateral type, loan-to-value ratio, duration, and liquidation parameters across isolated markets. Built on Solana's infrastructure, the system processes atomic settlements while maintaining capital efficiency through elimination of rate spreads inherent in pooled liquidity models.

    Deployed on:
    Finance
    Ripio logo

    Ripio

    The most complete platform for trading crypto

    RCN Finance
    Decentralised Borrowing & Lending

    RCN​ is a global p2p lending protocol based on smart contracts and blockchain technology.

    Finance
    Interlay logo

    Interlay

    One app, all things Bitcoin DeFi

    Interlay DeFi Hub
    Decentralised Borrowing & Lending

    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.

    Supports:
    (1)
    Finance
    Ondo DAO logo

    Ondo DAO

    A New Era of Financial Inclusivity Onchain

    Flux Finance
    Decentralised Borrowing & Lending

    Flux Finance is a lending protocol built on Compound v2 architecture that supports both permissionless stablecoins and permissioned assets like tokenized US Treasuries. Users can lend stablecoins to earn yield while borrowers use OUSG tokens as collateral, connecting traditional finance yields with decentralized lending.

    Deployed on:
    Supports:
    (1)
    Finance
    LFJ logo

    LFJ

    The onchain trading platform for winners

    Banker Joe
    Decentralised Borrowing & Lending

    Banker Joe is a decentralized lending protocol enabling non-custodial borrowing and lending through overcollateralized liquidity pools. The system uses algorithmic interest rates based on supply and demand dynamics, integrates Chainlink price feeds for collateralization monitoring, and distributes protocol fees to token stakers.

    Supports:
    (2)
    Finance
    Polytrade logo

    Polytrade

    The Home of RWAs

    Trade Finance
    Decentralised Borrowing & Lending

    A receivables financing platform that tokenizes trade invoices and business receivables, converting them into blockchain-based digital instruments. The platform provides working capital financing for small and medium enterprises by connecting businesses with decentralized liquidity providers, conducting due diligence on invoices, and managing asset custody with on-chain transparency.

    Supports:
    (2)
    Finance
    Phemex logo

    Phemex

    Break Through, Break Free

    Phemex Lending Protocol
    Decentralised Borrowing & Lending

    Phemex Lending Protocol implements peer-to-peer lending through smart contract automation, enabling instant borrowing against cryptocurrency collateral. The system provides liquidity pools with automated interest rate mechanisms and real-time collateral monitoring.

    Supports:
    (3)
    Finance
    Term Finance logo

    Term Finance

    Fixed rate lending for everyone

    Term Finance Protocol
    Decentralised Borrowing & Lending

    Term Finance Protocol enables fixed-rate lending through auction-based matching of borrowers and lenders. The system conducts weekly auctions to establish market-clearing rates while maintaining collateral in isolated smart contracts throughout loan terms.

    Deployed on:
    Finance
    Euler Labs logo

    Euler Labs

    Building the digital economy

    Euler Protocol
    Decentralised Borrowing & Lending

    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.

    Supports:
    (7)
    Finance
    Moonwell logo

    Moonwell

    Lending made simple

    Moonwell Protocol
    Decentralised Borrowing & Lending

    Moonwell Protocol is a multi-chain lending protocol enabling users to supply assets for interest and borrow against collateral. The system supports isolated markets, dynamic interest rates, and integrated vaults for yield optimization across Base, Optimism, Moonbeam, and Moonriver.

    Deployed on:
    Finance
    Save logo

    Save

    Solana's permissionless savings account.

    Save Protocol
    Decentralised Borrowing & Lending

    Decentralized lending protocol on Solana featuring three pool types: Main Pool for established assets, Isolated Pools for higher-risk tokens, and Permissionless Pools for custom markets. Implements dynamic interest rates based on utilization, advanced liquidation protection mechanisms, and flash loan capabilities. Includes real-time risk monitoring, automated liquidation engines, and cross-margin functionality across pools. Supports both variable and fixed interest rate markets.

    Deployed on:
    Finance
    Joule Finance logo

    Joule Finance

    Redefining yields on MoveVM

    Joule Finance Platform
    Decentralised Borrowing & Lending

    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.

    Deployed on:
    Supports:
    (9)
    Finance
    Pareto logo

    Pareto

    DeFi needs credit expansion.

    Pareto Credit Vaults
    Decentralised Borrowing & Lending

    Pareto Credit Vaults facilitate institutional on-chain lending through smart contract-based credit facilities connecting vetted borrowers with liquidity providers. The system enables curators to structure customizable loan terms including fixed or variable rates, redemption cycles, and tranche configurations while automating interest distribution and fund utilization tracking. Borrowers receive capital for strategies including market making, derivatives trading, and arbitrage, while lenders earn yields through direct credit exposure with KYC-verified counterparties and curator oversight.

    Deployed on:
    Finance
    Pike Finance logo

    Pike Finance

    Universal Access to On-chain Liquidity

    Pike Markets
    Decentralised Borrowing & Lending

    Pike Markets is a decentralized money market protocol featuring integrated DEX functionality, multi-tier governance, and cross-chain capabilities. The system supports customizable lending markets with tailored risk parameters through modular architecture and dual-oracle pricing infrastructure.

    Supports:
    (11)
    Finance
    ADRA logo

    ADRA

    Simplify the process Unlock your Liquidity

    Adrastea Passive Pools
    Decentralised Borrowing & Lending

    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.

    Deployed on:
    Infrastructure
    Just Network logo

    Just Network

    The Next Generation of DeFi on TRON

    JustLend DAO
    Decentralised Borrowing & Lending

    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.

    Deployed on:
    Finance
    Anvil logo

    Anvil

    Trust isn't given. It's built.

    Anvil Protocol
    Decentralised Borrowing & Lending

    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.

    Deployed on:
    Finance
    Project 0 logo

    Project 0

    Your DeFi-Native Prime Broker.

    Project 0
    Decentralised Borrowing & Lending

    Project 0 is a DeFi-native prime brokerage platform that enables users to borrow against their entire DeFi portfolio across multiple venues with unified margin. Users access credit against positions through a single interface, reducing the need to manage separate borrows.

    Supports:
    KA(3)
    Finance
    Aries Markets logo

    Aries Markets

    Building the Best One-Stop DeFi Super App on Aptos

    Aries Markets
    Decentralised Borrowing & Lending

    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.

    Deployed on:
    Supports:
    (3)
    Finance
    Gearbox Protocol logo

    Gearbox Protocol

    Onchain Lending Reimagined

    Gearbox Protocol
    Decentralised Borrowing & Lending

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

    Supports:
    (5)
    Finance
    Marginfi logo

    Marginfi

    A new liquidity layer for performant DeFi

    marginfi V2
    Decentralised Borrowing & Lending

    Marginfi V2 is a decentralized lending protocol on Solana that offers borrowing, lending, and leverage trading with risk management, multi-asset support, and yield optimization.

    Deployed on:
    Finance
    Block Street logo

    Block Street

    Unified Liquidity Layer for Tokenized Assets

    Everst
    Decentralised Borrowing & Lending

    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.

    Supports:
    (3)
    Finance
    Ensofi logo

    Ensofi

    Lend & borrow with certainty

    EnsoFi DApp
    Decentralised Borrowing & Lending

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

    Deployed on:
    Finance
    Glow Finance logo

    Glow Finance

    Trade, Borrow, Earn, and Restake on Glow, a new liquidity hub for Solana

    Glow Finance
    Decentralised Borrowing & Lending

    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.

    Deployed on:
    Finance
    HawkFi logo

    HawkFi

    Leading analytics & automation platform for on-chain market makers to get the smartest yield on Solana memecoins and altcoins.

    Hawksight platform
    Decentralised Borrowing & Lending

    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.

    Deployed on:
    Finance
    Pyra logo

    Pyra

    Hold, Earn, Spend

    Pyra Protocol
    Decentralised Borrowing & Lending

    Pyra Protocol provides overcollateralized DeFi lending through Solana smart contracts, enabling users to borrow against crypto assets while earning yield on deposits. The protocol features automated liquidation protection and integrates with Drift for lending infrastructure.

    Deployed on:
    Supports:
    (5)
    Payments
    Reflect Money logo

    Reflect Money

    Claimed

    Credibly neutral, capital efficient stablecoin protocol on Solana.

    Stake Repaid Loans
    Decentralised Borrowing & Lending

    Borrow assets against your stake without unstaking it. Repay the loans with the staking yield.

    Supports:
    (1)
    Payments
    Silo Finance logo

    Silo Finance

    Your Non-custodial Crypto Bank on Ethereum and EVM

    Silo
    Decentralised Borrowing & Lending

    Silo creates risk-isolated lending markets through smart contracts, enabling peer-to-pool overcollateralized borrowing. Each market supports two assets: a unique token and a bridge asset. The system isolates risk to individual markets while concentrating liquidity in single pools.

    Supports:
    (4)
    Finance
    Apricot logo

    Apricot

    Next-gen lending protocol on Solana

    Apricot Finance protocol
    Decentralised Borrowing & Lending

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

    Deployed on:
    Supports:
    (2)
    Finance
    Auro Finance logo

    Auro Finance

    An Unbiased Global Financial System

    Auro Finance Protocol
    Decentralised Borrowing & Lending

    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.

    Deployed on:
    Finance
    BENQI logo

    BENQI

    Largest DeFi Platform (Liquid Staking and Lending) on Avalanche by TVL

    BENQI Markets
    Decentralised Borrowing & Lending

    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.

    Deployed on:
    Finance
    Francium logo

    Francium

    Earn through DeFi Strategy.

    Francium app
    Decentralised Borrowing & Lending

    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.

    Deployed on:
    Supports:
    (3)
    Finance
    Liquity logo

    Liquity

    Borrow on your terms

    Liquity V1
    Decentralised Borrowing & Lending

    Liquity V1 implements zero-interest borrowing through immutable smart contracts, enabling users to mint LUSD against ETH collateral at 110% minimum ratio. Features include one-time borrowing fees, stability pool deposits earning liquidation gains and LQTY rewards, direct LUSD redemption for underlying ETH, and LQTY staking for protocol fee distribution. The protocol operates without governance, upgrades, or admin keys.

    Deployed on:
    Supports:
    (1)
    Finance
    Lulo logo

    Lulo

    The modern way to grow your wealth

    Lulo app
    Decentralised Borrowing & Lending

    Lulo is a decentralized lending and borrowing platform that automatically routes deposits to the best lending rates across Solana dApps.

    Deployed on:
    Supports:
    (3)
    Finance
    Moar Market logo

    Moar Market

    Do Moar with Less

    Moar Market
    Decentralised Borrowing & Lending

    Moar Market implements an undercollateralized lending protocol through isolated pool architecture and unified Credit Account management, enabling composable leverage deployment across Aptos DeFi protocols. The system routes borrowing and asset interactions through user-owned Credit Accounts that maintain solvency enforcement via real-time oracle pricing and protocol-specific loan-to-value thresholds. Users access leverage farming through automated yield optimization across whitelisted strategies, execute margin trades with borrowed capital against DEX liquidity sources, and provide passive lending liquidity to isolated asset pools with algorithmically determined interest rates.

    Deployed on:
    Supports:
    (1)
    Finance
    Nolus Protocol logo

    Nolus Protocol

    Fixed Rate Margin Engine

    Nolus DeFi Lease
    Decentralised Borrowing & Lending

    Nolus DeFi Lease implements asset-backed margin positions with fixed interest rates and partial liquidation mechanisms. The protocol sources liquidity from multiple DEX hubs via IBC, enabling users to open leveraged positions while maintaining direct ownership of underlying assets through smart contract-managed lease agreements.

    Finance
    IOHK logo

    IOHK

    Cascading disruption

    RealFi
    Decentralised Borrowing & Lending

    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.

    Infrastructure
    Vesu logo

    Vesu

    Crypto loans & yield on Starknet

    Vesu Protocol
    Decentralised Borrowing & Lending

    Vesu Protocol supports lending and borrowing of crypto assets on Starknet through isolated lending pools. Users supply collateral to borrow assets, with positions managed through smart contracts. Each pool maintains separate risk parameters and integrates with Pragma oracles for price feeds. Developers can create custom lending markets using programmable hooks.

    Deployed on:
    Supports:
    (2)
    Finance
    Echelon Market logo

    Echelon Market

    The Universal Lending Market for Move

    Echelon V1
    Decentralised Borrowing & Lending

    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.

    Deployed on:
    Supports:
    (2)
    Finance
    Felix Protocol logo

    Felix Protocol

    Serving the Trader

    Felix Protocol
    Decentralised Borrowing & Lending

    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.

    Supports:
    (1)
    Finance
    Meso Finance logo

    Meso Finance

    The most efficient and safe lending on Aptos

    Meso Lending Platform
    Decentralised Borrowing & Lending

    A decentralized lending protocol on Aptos that enables pool-based borrowing and lending through non-custodial liquidity markets. The system supports variable and stable interest rates while offering E-Mode for capital efficiency and Isolation Mode for risk management.

    Deployed on:
    Supports:
    (1)
    Finance
    Mole logo

    Mole

    Mole is a DeFi protocol providing savings, leveraged yield farms and funds on Sui chain.

    Mole Savings
    Decentralised Borrowing & Lending

    Mole Savings provides decentralized lending pools where users deposit assets to earn interest from borrowers who use these funds as leverage for yield farming. The system calculates dynamic borrowing interest rates based on pool utilization, increasing rates when funds are scarce and decreasing when abundant. Interest rates rise sharply above 90% utilization to encourage more deposits and maintain liquidity for withdrawals.

    Deployed on:
    Supports:
    (2)
    Finance
    Relend Network logo

    Relend Network

    Relending Money Market Liquidity to L1s and L2s.

    Relend Vaults
    Decentralised Borrowing & Lending

    Relend Vaults integrate with Morpho protocol to generate yields from deposited assets in pre-deposit contracts. Vaults accept various assets including USDC, ETH, cbBTC, and others, providing yield through lending to over-collateralized borrowers. Assets in these vaults contribute to the Global Price Stability Module used to maintain rUSDC liquidity and redemption capacity.

    Deployed on:
    Finance
    Uncap Finance logo

    Uncap Finance

    Do more with Bitcoin

    Uncap Protocol
    Decentralised Borrowing & Lending

    Uncap Protocol implements Bitcoin-backed collateralized debt positions on Starknet, allowing users to deposit wBTC and mint USDU stablecoins at user-defined interest rates with permissionless liquidation mechanisms.

    Deployed on:
    Supports:
    (1)
    Finance
    Banx logo

    Banx

    Loans done right

    Banx Loans
    Decentralised Borrowing & Lending

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

    Deployed on:
    Finance
    Exactly Protocol logo

    Exactly Protocol

    Decentralizing the credit market, today

    Exactly Protocol
    Decentralised Borrowing & Lending

    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.

    Supports:
    (2)
    Finance
    Haraka logo

    Haraka

    Finance as borderless & personalized as the internet itself.

    Credit Pools
    Decentralised Borrowing & Lending

    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.

    Supports:
    (1)
    Finance
    Lendasat logo

    Lendasat

    You've hodled enough. Start living, pay later.

    Lendasat Lending Platform
    Decentralised Borrowing & Lending

    Enables non-custodial Bitcoin-collateralized loans through Discreet Log Contracts on ARK technology. The platform connects borrowers and lenders in a peer-to-peer system with no counterparty risk through Bitcoin price oracles.

    Supports:
    (5)
    Finance
    Opus logo

    Opus

    The autonomous and dynamic synthetic issuance platform.

    Opus Protocol
    Decentralised Borrowing & Lending

    Opus Protocol implements autonomous credit facilities that enable borrowing against crypto portfolios through dynamic risk parameters. The system manages collateralized debt positions, handles liquidations through a stability pool, and maintains a USD-pegged stablecoin using algorithmic controllers.

    Deployed on:
    Finance
    Port Finance logo

    Port Finance

    A suite of Defi products on Solana

    Port Finance protocol
    Decentralised Borrowing & Lending

    Port Finance: A Solana-based money market protocol offering variable and fixed-rate lending, and interest rate swaps. Aims for user-friendly interfaces and optimized liquidity.

    Deployed on:
    Finance
    Starta logo

    Starta

    Starta makes DeFi accessible to everyone.

    Starta Loans
    Decentralised Borrowing & Lending

    Decentralized lending platform offering various loan services.

    Supports:
    (5)
    Infrastructure
    Stormbit Finance logo

    Stormbit Finance

    Pure Lending

    Stormbit Lending Platform
    Decentralised Borrowing & Lending

    A programmable lending protocol implementing fixed-term, fixed-rate loans through modular term managers without price oracles, facilitating peer-to-peer credit markets for digital and real-world assets.

    Supports:
    (4)
    Finance
    WeFi logo

    WeFi

    Decentralized leverage engine for undercollateralized loans

    WeFi
    Decentralised Borrowing & Lending

    WeFi is a decentralized money market for leverage trading. Users lend to earn yield or borrow to create leveraged positions across crypto and select real‑world assets. Assets bought via connected DEXs are locked until loans are repaid. The platform features AAVE integration, leverage vaults, portfolio tools, staking, and a bridge.

    Supports:
    (4)
    Finance
    Huma Finance logo

    Huma Finance

    The First PayFi Network

    Huma V2 Protocol
    Decentralised Borrowing & Lending

    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.

    Deployed on:
    Finance
    RainFi logo

    RainFi

    The leading P2P lending protocol to borrow, deposit and long tokens.

    Rain.fi Lending Protocol
    Decentralised Borrowing & Lending

    Rain.fi Lending Protocol is a DeFi platform on Solana that enables users to borrow against their NFTs and cryptocurrencies, as well as lend assets to earn interest.

    Deployed on:
    Finance
    Sharky logo

    Sharky

    Liquidity for your jpegs

    Sharky platform
    Decentralised Borrowing & Lending

    Sharky is a decentralized lending protocol on Solana that allows users to borrow against their NFTs and earn yield as lenders. It provides instant cash access and passive income opportunities for NFT owners and liquidity providers.

    Deployed on:
    Finance
    Superposition Finance logo

    Superposition Finance

    Experience High Fidelity DeFi

    Superposition Finance
    Decentralised Borrowing & Lending

    Superposition Finance is a decentralized lending and borrowing protocol enabling users to supply digital assets as collateral and borrow funds through Concordia's adaptive risk framework on Aptos. The protocol implements dynamic risk assessment through real-time market volatility analysis and on-chain behavior tracking to deliver personalized borrowing rates and automated liquidation protection. Users earn yield on supplied assets while the system maintains capital efficiency through holistic portfolio evaluation and cross-collateral optimization.

    Deployed on:
    Finance
    DeLightFi logo

    DeLightFi

    We build DeFi on Ethereum scaling solutions

    Morphine
    Decentralised Borrowing & Lending

    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.

    Deployed on:
    Supports:
    (4)
    Finance
    PWN Protocol logo

    PWN Protocol

    Universal lending market

    PWN Protocol
    Decentralised Borrowing & Lending

    PWN is a permissionless peer-to-peer lending protocol enabling fixed-rate loans using any digital asset as collateral, without price-based liquidations.

    Deployed on:
    Finance
    Sandglass logo

    Sandglass

    Solana's yield trading protocol.

    Sandglass Markets
    Decentralised Borrowing & Lending

    Sandglass is a yield trading protocol built on the Solana blockchain. It allows users to earn yield on their crypto assets by trading yield-bearing tokens. Sandglass aims to provide a decentralized and efficient platform for yield farming and trading.

    Deployed on:
    Supports:
    (1)
    Finance
    Famous Foxes logo

    Famous Foxes

    The most famous NFTs on the blockchain

    Citrus
    Decentralised Borrowing & Lending

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

    Deployed on:
    NFTs
    Hashstack logo

    Hashstack

    Under-collateralized loans

    Hashstack Open
    Decentralised Borrowing & Lending

    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.

    Deployed on:
    Finance
    Hobba logo

    Hobba

    Self-repaying loans on Solana.

    Hobba
    Decentralised Borrowing & Lending

    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.

    Deployed on:
    Finance
    TownSquare logo

    TownSquare

    Modular money market for leveraged yield and crosschain borrowing

    TownSquare Lending Protocol
    Decentralised Borrowing & Lending

    A modular lending protocol supporting isolated loan positions with mixed collateral types, efficiency mode for correlated assets, and cross-chain borrowing capabilities across multiple blockchain networks.

    Deployed on:
    Supports:
    (1)
    Finance
    Affluent logo

    Affluent

    Trustless Asset Management

    Affluent Protocol
    Decentralised Borrowing & Lending

    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.

    Deployed on:
    Finance
    Asgard logo

    Asgard

    God Mode for Money Markets

    Asgard Credit Layer
    Decentralised Borrowing & Lending

    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.

    Supports:
    (1)
    Finance
    Margarita Finance logo

    Margarita Finance

    Invest with Margarita, Mix your own product

    Margarita Finance Platform
    Decentralised Borrowing & Lending

    Enables customization of DeFi investment products with flexible yields and low costs. Users choose assets, lock-up periods, and generates returns using options strategies.

    Deployed on:
    Finance
    Player2 logo

    Player2

    Player 2 is a dynamic directory on Solana.

    Liquidation-Free Loans
    Decentralised Borrowing & Lending

    A lending protocol offering loans without the risk of liquidation, using a unique repayment model.

    Deployed on:
    Gaming
    PsyFi logo

    PsyFi

    Decentralized Option infrastructure built for Solana.

    PsyFi Product Suite
    Decentralised Borrowing & Lending

    PsyFi offers Covered Call & Secured Put Vaults for moderate risk/return, Leveraged Call Spreads with variable risk/return, PsyLend Supply for low-risk returns, and PsyLend Borrow for capital efficiency on vault positions.

    Deployed on:
    Finance
    Texture logo

    Texture

    Trade token volatility and earn on price movements in any direction via P2P loans

    P2P Token Lending
    Decentralised Borrowing & Lending

    Decentralized P2P lending platform for direct token borrowing and lending on Solana.

    Deployed on:
    Finance
    attn.markets logo

    attn.markets

    Revenue-backed credit lines on Solana

    attn.markets Platform
    Decentralised Borrowing & Lending

    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.

    Supports:
    (1)
    Finance
    Jet Protocol logo

    Jet Protocol

    Decentralized lending and borrowing built on the Solana blockchain.

    Jet Protocol
    Decentralised Borrowing & Lending

    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.

    Deployed on:
    Finance
    Watchtower logo

    Watchtower

    Facilitating Capital for Space Infrastructure

    Watchtower
    Decentralised Borrowing & Lending

    Watchtower is an on-chain private credit platform that enables space infrastructure companies to borrow capital by tokenizing hardware collateral, while allowing lenders to earn yield and underwriters to participate in risk assessment through algorithmic auctions.

    Finance
    Xitadel logo

    Xitadel

    Fortify Your Wealth. Secure Your Future.

    Xitadel
    Decentralised Borrowing & Lending

    Xitadel is a protocol for Liquid Treasury Tokens on Solana that enables post-TGE projects to access capital through overcollateralized, fixed-term bond products. The platform facilitates issuance, funding, trading, maturity, and redemption of LTTs with automated collateral management and liquidation mechanisms.

    Deployed on:
    Finance
    Bridgesplit logo

    Bridgesplit

    Bridgesplit is an specialty asset-based lending platform enabling platforms like marketplaces and custodians to offer financing to their cus

    Bridgesplit Platform
    Decentralised Borrowing & Lending

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

    Finance
    StarkGuardians logo

    StarkGuardians

    First NFT collection of StarkNet with decrease in supply.

    NFT Lending Protocol
    Decentralised Borrowing & Lending

    A protocol enabling users to lend and borrow against NFT assets on Starknet, supporting collateralized loans using NFTs.

    NFTs
    iloop.finance logo

    iloop.finance

    The first AI Agent optimizing LSTs and DeFi on SOLANA.

    AI Lending Protocol
    Decentralised Borrowing & Lending

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

    Finance

    Explore 101 Curated Decentralised Borrowing & Lending Projects

    Welcome to The Grid's comprehensive directory of decentralised borrowing & lending projects in the Web3 ecosystem. Our team has hand-reviewed and verified each of these 101 companies to ensure you're discovering legitimate, active projects — not abandoned ventures or AI-generated listings.

    What Makes Our Decentralised Borrowing & Lending Directory Different

    Unlike automated aggregators, every project in our decentralised borrowing & lending category undergoes manual verification. We check for active development, real teams, and genuine utility. This human-first approach means you spend less time filtering through noise and more time finding the decentralised borrowing & lendingsolutions that matter for your needs.

    Start Exploring Decentralised Borrowing & Lending Projects

    Each project listing includes key information to help you evaluate and connect with these companies. Whether you're researching for investment, seeking partnerships, or looking for decentralised borrowing & lendingsolutions to use, our directory provides the verified data you need to make informed decisions in the Web3 space.