Crypto Lending & Borrowing Rates
Compare real rates across DeFi protocols and CeFi platforms. Toggle between lending yields and borrowing costs, filter by asset and platform type, and sort to find the best deal.
Rates last updated: August 23, 2026Live via DeFi Llama — DeFi rates update hourly across Ethereum, Arbitrum, Base, Optimism & Polygon. CeFi rates updated manually.
| Platform ↑↓ | Type | Lend APY ↑ | Max LTV ↑↓ | Risk ↑↓ | KYC | Key Features | |
|---|---|---|---|---|---|---|---|
| CoinRabbit | CeFi | 11.9% | 80% | 5/10 | None | No KYC, Instant approval | Earn at CoinRabbit |
| Ledn | CeFi | 11.5% | 50% | 3/10 | Required | Proof of reserves, BTC mortgages | Earn at Ledn |
| Figure (Democratized Prime) | CeFi | 7.5% | 85% | 3/10 | Required | AAA-rated HELOC pool, YLDS stablecoin | Earn at Figure (Democratized Prime) |
| Nexo | CeFi | 5.7% | 75% | 4/10 | Required | No monthly repayments, Nexo Card | Earn at Nexo |
| Fluid | DeFi | 0.1%Ethereum | 85% | 5/10 | None | Smart collateral, Smart debt | Earn at Fluid |
| Aave V3 | DeFi | 0.1%Base | 73% | 3/10 | None | Flash loans, Multi-chain | Earn at Aave V3 |
| Morpho | DeFi | 0.1% | 77% | 4/10 | None | Rate optimization, Modular markets | Earn at Morpho |
| Compound V3 | DeFi | 0.1%Ethereum | 80% | 3/10 | None | Single-asset markets, COMP rewards | Earn at Compound V3 |
Max LTV
85%
KYC
Yes
Min Loan
None
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How to Read This Table
Lend APY is the annual percentage yield you earn by depositing assets into a platform. Higher is better for lenders.
Borrow APR is the annual cost of taking out a loan. Lower is better for borrowers. DeFi protocols often have variable rates that change with utilization.
Max LTV (Loan-to-Value) is the maximum percentage of your collateral value you can borrow. An 80% LTV means you can borrow up to $80,000 against $100,000 in collateral. Higher LTV means more borrowing power but less liquidation buffer. See our glossary for more terms.
Risk Score is our editorial assessment from 1 (lowest risk) to 10 (highest risk), based on audit history, insurance coverage, track record, and protocol design. Read our methodology.
Disclaimer: Rates shown are approximate and change frequently. DeFi protocol rates are variable and can change every block. CeFi rates may differ based on account tier, loyalty tokens, or loan size. Always verify current rates on the platform before depositing or borrowing. Crypto lending involves significant risk — you may lose some or all of your assets.
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