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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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

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.

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.

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.

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.

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.

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.

EVAA is a decentralized liquidity protocol on the TON blockchain that allows users to supply assets to earn interest or borrow against posted collateral through smart contracts. The protocol supports TON native assets, jettons, and select wrapped assets. Users interact via a web application or a Telegram Mini App. Loan positions require overcollateralization, interest rates are set algorithmically, and Pyth Network oracle feeds are used for asset pricing. An integrated swap aggregates DEX liquidity on TON, and a crypto card option allows users to spend against deposited balances.

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

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

Elemental Fixed Deposit is a structured investment product that allows users to deposit USDC or SOL into epoch-based funds with fixed APR yields. Each epoch lasts five days, and deposits are activated at the start of the next epoch while withdrawals require at least one full epoch to process.

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.

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

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.

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.

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.

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.

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.

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