Crypto Lending Platforms
Honest reviews with risk assessments, rate comparisons, and feature breakdowns.
Aave
The largest DeFi lending protocol by TVL. Permissionless, overcollateralized lending and borrowing across multiple blockchains with flash loans and rate switching.
Lend
1-8% APY
Borrow
2-12% APR
Max LTV
80%
Centrifuge
Leading RWA tokenization protocol connecting real-world assets to DeFi. Enables businesses to tokenize invoices, real estate, and trade receivables as collateral.
Lend
4-10% APY
Borrow
6-12% APR
Max LTV
Varies by asset
CoinRabbit
No-KYC crypto lending platform offering instant loans without credit checks or identity verification. Simple interface with 70+ supported cryptocurrencies.
Lend
N/A
Borrow
10-17% APR
Max LTV
80%
Compound
Pioneer DeFi lending protocol known for algorithmic interest rates and the COMP governance token. Compound V3 (Comet) focuses on single-asset lending markets.
Lend
1-6% APY
Borrow
2-10% APR
Max LTV
83%
Figure Technologies
The #1 non-bank HELOC lender in the US, originating $21B+ on the Provenance Blockchain. IPO at $7.6B valuation — the bridge between traditional mortgage lending and blockchain.
Lend
N/A (originator)
Borrow
7-15% APR (HELOC)
Max LTV
95%
Goldfinch
DeFi credit protocol for loans backed by real-world collateral. Provides crypto capital to lending businesses in emerging markets without requiring crypto collateral from borrowers.
Lend
7-12% APY
Borrow
10-15% APR
Max LTV
Based on off-chain collateral
Ledn
Bitcoin-focused CeFi lender offering BTC-backed loans and savings accounts. Known for transparency with proof-of-reserves attestations by Armanino.
Lend
1-4% APY
Borrow
9.9-12.4% APR
Max LTV
50%
MakerDAO
The protocol behind DAI, the largest decentralized stablecoin. Users deposit collateral into Vaults to mint DAI — effectively borrowing against crypto assets.
Lend
3-8% APY (DSR)
Borrow
3-8% APR
Max LTV
67%
Maple Finance
Institutional DeFi lending protocol enabling undercollateralized loans to vetted corporate borrowers. Leading on-chain private credit market.
Lend
6-15% APY
Borrow
Negotiated (institutional)
Max LTV
Undercollateralized
Morpho
DeFi lending optimizer that sits on top of Aave and Compound, matching lenders and borrowers peer-to-peer for better rates while maintaining the same liquidity guarantees.
Lend
2-10% APY
Borrow
1-8% APR
Max LTV
Matches underlying protocol
Nexo
Leading CeFi lending platform offering instant crypto-backed loans and interest-earning accounts. Licensed and regulated with insurance coverage on custodied assets.
Lend
4-16% APY
Borrow
2.9-13.9% APR
Max LTV
90%
Ondo Finance
Institutional-grade tokenized securities platform. Offers tokenized US Treasuries (OUSG) and money market funds with ~60% market share in tokenized equities.
Lend
4-5.5% APY (OUSG)
Borrow
N/A (yield product)
Max LTV
N/A
Securitize
The leading tokenization infrastructure platform for institutional asset managers. Powers BlackRock BUIDL, KKR, and Apollo tokenized funds with $4.6B+ in tokenized AUM.
Lend
Varies by fund
Borrow
N/A (infrastructure)
Max LTV
N/A
Spark Protocol
MakerDAO-affiliated lending protocol offering DAI borrowing with competitive rates. Features the Dai Savings Rate (DSR) and acts as the primary distribution channel for DAI.
Lend
5-8% APY (DSR)
Borrow
5-8% APR
Max LTV
80%
TrueFi
On-chain credit protocol for uncollateralized lending to vetted institutional borrowers. Backed by Archblock (formerly TrustToken), with portfolio management tools.
Lend
6-12% APY
Borrow
Negotiated
Max LTV
Uncollateralized
Disclaimer: Platform reviews may contain affiliate links. Crypto lending involves significant risk — you may lose some or all of your assets. Risk scores are our editorial assessment and not a guarantee. Always do your own research.