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

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.

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

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.

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.

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.

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.

Balanced is a cross-chain DeFi platform providing a money market and exchange across multiple blockchains. The money market enables users to supply crypto assets to earn variable-rate interest and borrow against cross-chain collateral. The exchange aggregates prices from multiple decentralized exchanges via SODAX Intents, settling cross-chain swaps within seconds. The bnUSD stablecoin is accessible as a fixed-rate borrowable asset, backed by over-collateralized crypto collateral.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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

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.

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.

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.

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.

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.

Spark is a decentralized protocol providing stablecoin savings vaults and a non-custodial lending market, powered by automated cross-chain capital deployment infrastructure. Savings vaults accept multiple stablecoins and ETH, with yield generated by allocating capital across DeFi protocols, CeFi venues, and real-world assets via the Spark Liquidity Layer. SparkLend enables borrowing of USDS and USDC at governance-set rates against curated collateral including ETH and liquid staking tokens, deployed across multiple EVM-compatible networks.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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

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.

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.

Hodl Hodl Lend is a P2P Bitcoin lending platform that enables users to borrow and lend Bitcoin directly with each other. The platform operates separately from the main trading marketplace and focuses on decentralized lending services.

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.

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

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.

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.

Hydration Money Market is a decentralised lending protocol built on a modified Aave v3 architecture that allows users to supply crypto assets to earn interest and borrow against accepted collateral. Supported collateral includes DOT, ETH, USDT, USDC, tBTC, vDOT, and WBTC. Partial liquidations are executed automatically at the start of every block to restore health factors, reducing all-or-nothing liquidation risk.

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.

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.

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.

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.

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.

Stormbit is a decentralized lending protocol on Arbitrum where borrowers post BTC or ETH as collateral and receive fixed-rate loans priced at origination. LTV is only checked at origination borrowers cannot be liquidated during the loan term. Lenders supply USDC into ERC-4626 vaults and earn yield from lending spreads plus hedging premiums. Idle capital earns additional yield via an Aave V3 hook.

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.

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.

Lendasat Lending Platform 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.

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.

Decentralized lending platform offering various loan services.

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.

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.

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.

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.

BlockIQ Market is a decentralized lending system that runs non‑custodial liquidity pools, aligning borrowing and lending with data-driven risk models and data rewards.

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

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.

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.

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.

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.

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

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

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.

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

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.

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

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