Best Lending Rates

Lending in DeFi allows you to deposit your crypto assets into a smart contract which subsequently allows other users to borrow the assets at a set lending rate. Lending is one of the fundamental use cases of DeFi.

The most popular lending opportunities today are undefined. The most popular lending assets for these pools are . If you would like to swap for the tokens used for these lending opportunities, you can do so by using our De.Fi crypto swap feature.

Lending is the act of participating in DeFi yield farming by providing crypto assets for other users to borrow via smart contracts. DeFi lending lets people borrow and lend digital assets without banks. Borrowers provide collateral and request a loan. Lenders choose to fund the loan and earn interest. Loans have set terms like interest rates and duration. Borrowers receive the loaned assets, while their collateral is locked. They repay the loan with interest at any time. If collateral value drops, it may be sold to repay lenders. This is referred to as “collateral liquidation”.

Lenders earn interest on their funds. When the loan is repaid, borrowers get back their collateral, and lenders can withdraw funds. Lending is one of the backbones of DeFi.

Our crypto lending rates explorer features live and historical data across 300+ protocols. We are constantly adding new integrations and aim to be your app of choice when tracking the best lending pools crypto has to offer.

We also offer a crypto wallet tracker that is the most convenient way to monitor multichain positions & balances: create a bundle of all your crypto addresses and exchange accounts and start tracking your whole crypto portfolio in 1 place.

If you have a wallet connected to the De.Fi Super App, we make it easy to find the best DeFi lending opportunities. Click the “My Opportunities” tab within the Explore tool above and you will be presented with a full list of lending opportunities to put your crypto to work. You can also find a specific lending dashboard for advanced users by clicking the “Borrow/Lending” tab.

You can use the “Protocols” and “Networks” drop-downs within the Explore tool to see a complete list of the protocols and networks we have data on, as well as a listing in parentheses representing how many pools or how many protocols we track, respectively.

To view a comprehensive list of all of our tracked data points we recommend our integrations page.

The De.Fi team consists of 50+ highly motivated people, 35+ of which are developers that focus on ensuring that data presented on the platform is accurate - from individual token pricing to security detectors and on-chain analysis. We are committed to operating the most reliable lending rate list that crypto enthusiasts know they can depend on.

If you are looking to find new yield farm opportunities, we recommend sorting the Explore lending tool by Net Borrow APR. New protocols are usually the best place to find high lending APRs as they are looking to attract liquidity to boost their TVL. However, please note that we recommend doing your own research on ALL lending pools that you interact with. The newer the protocol, the higher the risk that there may be an unknown vulnerability.

The “Borrow/Lending” tab within our Explore tool for connected wallet users provides info to be safer while lending. For example the "bad debt" info (often a red flag) and the utilization rate. If you see an opportunity with a utilization rate close to 100%, the lender may not be able to get back all lent assets until enough users repay. In these cases you may see an usually high lending APR. The reason is due to potential risk.

Beyond lending pitfalls, it’s also important to avoid scams. To ensure you don’t interact with malicious DeFi lending projects, we offer a free smart contract audit tool, Scanner. Enter a project name, token name, NFT address, or contract address to perform a comprehensive security analysis in just a few seconds. Scanner is an ultimate web3 antivirus tool that runs 100+ audit factors.

In case you have already interacted with a project and want to check its legitimacy, our Shield tool lets you monitor and revoke wallet permissions from malicious tokens or contracts. To learn more about historical DeFi risks, we provide information on the biggest crypto hacks & scams in history via our REKT Database.

For projects interested in ensuring their security, contact us regarding smart contract auditing services. We are committed to professional services that make the world of DeFi safer for users around the world.

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