CeFi vs DeFi Lending Rates: Where Are Returns Higher in 2026?

Verdict

DeFi generally offers lower borrowing rates due to permissionless competition, but CeFi offers simpler UX and sometimes higher lending yields through loyalty tiers. The gap has narrowed significantly since 2022.

Nexo

Lend APY4-16% APY

Borrow APR2.9-13.9% APR

Max LTV90%

Risk4/10

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Aave

Lend APY1-8% APY

Borrow APR2-12% APR

Max LTV80%

Risk3/10

Disclaimer: This comparison may contain affiliate links. Crypto lending involves significant risk. Always do your own research.

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