What are the most popular lending tools on Base?

By popularity in the CoinSeek catalog: Aave, Spark and Steakhouse Financial.

Are there free lending tools on Base?

None of these lending tools is listed as free or freemium in the CoinSeek catalog. Check each tool’s site for its current plans.

Where can I find lending tools on other chains?

CoinSeek also lists lending tools on Ethereum, Solana and Arbitrum, and on every chain on the Lending page.

8 best Lending tools on Base in 2026

Discover/use/analyze decentralized lending

This page lists the 8 published tools in the CoinSeek catalog for lending that support Base, most popular first.

All tools on Base · Lending on every chain

How to choose

Supported blockchains. Check that the tool runs on the network where your assets already are, since moving funds between chains adds steps and risk. Some tools support one chain, while others span several.
Collateral and borrowing options. Look at which assets can be deposited and borrowed, and whether the tool offers features like adjustable rates or loan management. Some focus on Bitcoin or ETH collateral, while others cover many assets.
Retail or institutional focus. Some tools are built for individuals, and others target institutions, fintechs or asset managers. Pick one whose design and onboarding match who you are.
Access: web, API or SDK. Most people use a web interface, but some tools are mainly APIs or SDKs meant for developers building their own products. Confirm how you can reach the tool before you start.
Costs and pricing details. Many catalog entries do not state pricing, so read the tool's own documentation for interest rates and any fees. Compare these before depositing or borrowing.

Lending on Base

Most popular first

aave.com
Aave
Earn on your savings, borrow against your assets, and build onchain finance with Aave. Six years of uninterrupted operation, independently audited.
Category and goals: DeFi & Yield · Lending · Borrowing · Staking +1 more — Chains: Ethereum · Base · Aptos · Multichain
Best for: Earning interest on crypto; Borrowing against crypto collateral; Building lending into apps; Voting on protocol proposals
spark.finance
Spark
Spark intelligently allocates institutional capital across financial products and markets.
Category and goals: DeFi & Yield · DeFi Analytics · Lending · Borrowing +1 more — Chains: Ethereum · Base · Arbitrum
Best for: Earning yield on stablecoins; Borrowing against crypto collateral; Fintechs integrating savings products; Developers using lending APIs
steakhouse.financial
Steakhouse Financial
The credit stack for the stablecoin economy. Onchain stablecoin and yield products for fintechs, exchanges and asset managers.
Category and goals: DeFi & Yield · Yield Aggregators · Lending · DeFi Risk Analysis — Chains: Ethereum · Solana · Base
Best for: Fintechs adding stablecoin yield; Treasury and fund stablecoin deposits; Exchanges building white-label yield products; Researching vault risk curation
fluid.io
Fluid
Making lending and borrowing on DeFi easier, safer, and more efficient.
Category and goals: DeFi & Yield · Lending · Borrowing — Chains: Ethereum · Base · Arbitrum · Polygon
Best for: Borrowing against liquidity positions; DeFi lending and borrowing; Liquidity providers seeking collateral use
royco.org
Royco
Royco Day splits any yield source into Senior, Junior, and Senior LP tranches. Compare trailing rates, capacity, and protection.
Category and goals: DeFi & Yield · DeFi Analytics · Yield Farming · Lending +1 more — Chains: Ethereum · Base · Arbitrum · Avalanche
moonwell.fi
Moonwell
A user-friendly lending app built on Base and Optimism, bringing the world onchain with simple, yet powerful financial tools.
Category and goals: DeFi & Yield · Lending · Borrowing — Chains: Base · Optimism
sonne.finance
Sonne Finance
Sonne Finance is a decentralized lending protocol on Optimism and Base where users can deposit assets, use them as collateral, and borrow against them.
Category and goals: DeFi & Yield · Lending · Borrowing — Chains: Base · Optimism
gizatech.xyz
Giza
Giza builds infrastructure that enables intelligent agents to analyze markets, execute strategies, and manage liquidity across decentralized finance.
Category and goals: DeFi & Yield · Yield Aggregators · Lending · AI Crypto Agents — Chains: Base

Lending on other chains

Frequently asked questions

What are the most popular lending tools on Base?: By popularity in the CoinSeek catalog: Aave, Spark and Steakhouse Financial.
Are there free lending tools on Base?: None of these lending tools is listed as free or freemium in the CoinSeek catalog. Check each tool’s site for its current plans.
Where can I find lending tools on other chains?: CoinSeek also lists lending tools on Ethereum, Solana and Arbitrum, and on every chain on the Lending page.