Find the best DeFi Apps to Lend your Cryptos

Earn interest on your crypto by locking your assets into DeFi contracts. We want to make transparent how much return you can expect from different DeFi apps by tracking their interest rates. Yield farming with stable coins has enormous potential to generate high returns with minimal risk. Find the best DeFi apps to invest your cryptos with our comparison tool.

sort by APR AVG APR TVL
  • info_outline Understand the Charts

    APR = Annual Percentage Rate: Estimated return per year in percent you get, if you lock your cryptos into the DeFi application. The shown APR is never guaranteed, it's an estimated interest rate, that is constantly adjusted. In contrast to APY, this number doesn't assume compound interest.

    The Charts show the historical development of the APR. The blue line indicates the current APR.

    TVL = Total Value Locked: Value of tokens that are deposited into a smart contract. Indicator how popular the DeFi App is.

    DeFi App : New forms of financial protocols based on smart contracts and decentralized autonomous organizations on blockchains. Based on this architecture, an open, interoperable and more transparent financial infrastructure can be created without centralized infrastructure. Cryptocurrencies are required to use these applications. The process of earning interest with these protocols is often described as yield farming or liquidity mining.

    Stable Coin : Stable coins exist as stable assets within the crypto sector. For example one Teather is always worth 1 USD.

    For Additional statistics click on ℹ️ icon above every chart. All numbers are taken from the official websites of the DeFi projects. Charts are updated daily. The title of the Charts displays the corresponding token, that can be invested, followed by the name of the Defi App.

4Belt (USDT, BUSD, DAI, USDC) info_outline

current APR: 16.8% AVG APR: 13.61% TVL: $345M

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Observed time span: 06/18/2021 - 09/06/2021

CURRENT AVG MIN MAX
APR 16.8 13.61 9.26 22.21
TVL 345M 0 0 0

Belt.fi is an AMM protocol with multi-strategy return optimization on BSC (Binance Smart Chain) that tries to maximum returns.

Chain:
Binance Smart Chain (BSC)

Source:
USDT info_outline

current APR: 13.78% AVG APR: 7.63%

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Observed time span: 06/19/2021 - 10/25/2021

CURRENT AVG MIN MAX
APR 13.78 7.63 1.72 22.5
TVL 0 0 0 0

Chain:
Binance Smart Chain (BSC)

Source:
BUSD info_outline

current APR: 13.03% AVG APR: 10.92% TVL: $127M

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Observed time span: 06/18/2021 - 10/25/2021

CURRENT AVG MIN MAX
APR 13.03 10.92 7.33 16.97
TVL 127M 126M 99M 190M

Alpaca Finance is a lending protocol allowing leveraged yield farming on BSC (Binance Smart Chain). It enables lenders to get stable returns and offers borrowers undercollateralized loans for leveraged yield farming.

Chain:
Binance Smart Chain (BSC)

Source:
BUSD info_outline

current APR: 12.22% AVG APR: 3.81% TVL: $8M

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Observed time span: 06/19/2021 - 10/01/2021

CURRENT AVG MIN MAX
APR 12.22 3.81 0.57 47.17
TVL 8M 12M 8M 23M

Aave is an open source and non-custodial liquidity protocol for earning interest on deposits and borrowing assets.

Chain:
Ethereum (ETH)

Source:
BUSD info_outline

current APR: 11.73% AVG APR: 6.12%

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Observed time span: 06/19/2021 - 10/25/2021

CURRENT AVG MIN MAX
APR 11.73 6.12 2.2 17.87
TVL 0 0 0 0

Chain:
Binance Smart Chain (BSC)

Source:
USDT info_outline

current APR: 11.67% AVG APR: 11.08% TVL: $72M

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Observed time span: 06/18/2021 - 10/25/2021

CURRENT AVG MIN MAX
APR 11.67 11.08 6.52 17.53
TVL 72M 67M 52M 83M

Alpaca Finance is a lending protocol allowing leveraged yield farming on BSC (Binance Smart Chain). It enables lenders to get stable returns and offers borrowers undercollateralized loans for leveraged yield farming.

Chain:
Binance Smart Chain (BSC)

Source:
USDC info_outline

current APR: 11.2% AVG APR: 6.39%

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Observed time span: 06/19/2021 - 10/25/2021

CURRENT AVG MIN MAX
APR 11.2 6.39 2.49 13.74
TVL 0 0 0 0

Chain:
Binance Smart Chain (BSC)

Source:
USDT info_outline

current APR: 9.48% AVG APR: 3.56% TVL: $1.09B

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Observed time span: 06/19/2021 - 10/01/2021

CURRENT AVG MIN MAX
APR 9.48 3.56 2.15 14.04
TVL 1.09B 1.11B 914M 1.39B

Aave is an open source and non-custodial liquidity protocol for earning interest on deposits and borrowing assets.

Chain:
Ethereum (ETH)

Source:

What is DeFi Staking?

In DeFi (Decentralized Finance), financial services are offered to users via smart contracts. Existing DeFi projects aim to generate higher annualized profits for specific digital currencies. basis of this type of invstment are often stable coins, those value is based on the dollar (e.g. 1 BUSD = 1 USD). However making passive income by lending your Bitcoin, Ethereum, etc. is also possible. If you are new to crypto, have a look into our introduction guide , which covers the basics of yield farming.

Advantages of Yield Farming

Use your cryptocurrencies to make passive income. interest rates of 5-10% per year are often possible. Decentralized lending works without a bank and without the requirement to identifying yourself. Instead, the borrower must put up collateral that the lender will automatically receive if their loan is not repaid. This is a huge benefit compared to traditional banking. Our comparison charts are updated daily and help you to find the best investment strategy to maximize return.

Is DeFi lending a safe investment?

Risks are low but still exist as with every other investment. The main risk factors are the smart contacts or stable coin you use has a bug or gets hacked. In the worst case, you can lose everything, but this scenario is very unlikely. Always do your research before using such protocols/apps. Non-stable coins (Bitcoin, Ethereum, Cardano,...) have also the risk that your base investment loses value against the dollar because of its natural volatility.