What are the most popular lending tools on Ethereum?

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

Are there free lending tools on Ethereum?

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 Solana, Base and Arbitrum, and on every chain on the Lending page.

14 best Lending tools on Ethereum in 2026

Discover/use/analyze decentralized lending

This page lists the 14 published tools in the CoinSeek catalog for lending that support Ethereum, most popular first.

All tools on Ethereum · 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 Ethereum

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
wbtc.network
WBTC
Access Bitcoin liquidity across DeFi with WBTC. Use native WBTC on Ethereum, Solana, TRON, and more, supported by LayerZero infrastructure.
Category and goals: DeFi & Yield · Yield Farming · Lending — Chains: Ethereum · Solana · Arbitrum · Polygon +4 more
Best for: Using Bitcoin as DeFi collateral; Yield farming with Bitcoin; Lending Bitcoin-backed tokens; Providing exchange liquidity
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
fxn.xyz
Function FBTC
Function | FBTC
Category and goals: DeFi & Yield · Yield Farming · Lending · Staking — Chains: Bitcoin · Ethereum · Solana
Best for: Bitcoin holders seeking yield; Protocol teams needing BTC liquidity; Moving BTC across chains; Using vault and lending strategies
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
app.avalonfinance.xyz
Avalon Superearn
Institutional Bitcoin-backed lending, borrowing, earning, and liquidity. Fully on-chain and regulatory-compliant.
Category and goals: DeFi & Yield · Yield Farming · Lending · Borrowing +1 more — Chains: Ethereum · BNB Chain
Best for: Earning yield on stablecoins; Investors comfortable with lock-up periods; Tracking live vault yield rates
liquity.org
Liquity V2
Liquity V2, the DeFi protocol that lets you set your own borrowing rates. Borrow against ETH and LSTs with maximum control!
Category and goals: DeFi & Yield · Lending · Borrowing · Staking — Chains: Ethereum
Best for: Borrowing against ETH collateral; Minting a stablecoin on Ethereum; Setting your own borrowing rate; Researching immutable DeFi protocols
originprotocol.com
Origin Protocol
Minimum risk, better yield than LSTs
Category and goals: DeFi & Yield · Yield Farming · Lending · Borrowing — Chains: Ethereum
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
chainflip.io
Chainflip.io
Native cross-chain swaps between Bitcoin, Solana, Ethereum and more. No wrapped tokens, transparent pricing, over $9.8B traded. Earn native BTC yield.
Category and goals: Token & DEX · Token Trading Tools · DEX Trading & Swaps · Lending +1 more — Chains: Bitcoin · Ethereum · Solana · BNB Chain
silo.finance
Silo v3
Silo v3 redefines lending with risk isolation, built-in lender protection through dual liquidation mechanisms, and higher yields through lender-earned liquidation fees.
Category and goals: DeFi & Yield · Lending · Borrowing — Chains: Ethereum · Arbitrum · Avalanche
radiant.capital
Radiant
Radiant Capital
Category and goals: DeFi & Yield · Lending · Borrowing — Chains: Ethereum · Arbitrum · Multichain
hf.growi.fi
Growi Finance
Growi Finance is a quantitative digital-asset management firm building institutional-grade on-chain yield products.
Category and goals: DeFi & Yield · Yield Farming · Lending · DeFi Portfolio — Chains: Ethereum — Pricing: Paid · Contact Sales

Lending on other chains

Frequently asked questions

What are the most popular lending tools on Ethereum?: By popularity in the CoinSeek catalog: Aave, WBTC and Spark.
Are there free lending tools on Ethereum?: 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 Solana, Base and Arbitrum, and on every chain on the Lending page.