DeFi protocol

Aave v3

29 products · 6 coins · BSC, Arbitrum, Polygon, Base, Ethereum, OP Mainnet, Monad, Plasma, Mantle · TVL $18.3B · data via DefiLlama

Platform risk tier

A· Lower risk · meets 5/5 criteriaSee why

The largest lending protocol in DeFi, audited by multiple firms. Two incidents in 2026 (CAPO oracle, bad debt from Kelp's rsETH) were both covered by the DAO and the DeFi United alliance, and markets returned to normal.

✓Operating since 2022-03 (4 years)
✓Audited by 8 firms: OpenZeppelin, Trail of Bits, PeckShield, Certora, ABDK, Sigma Prime, MixBytes, Cantina
✓Bug bounty programme (Immunefi, up to $1M)
✓Large TVL: $18.3B
✓Users were fully compensated for every known incident
iRisk of the asset itself: Pooled lending: depositors bear bad-debt risk from every collateral asset in the same market and from oracle misconfiguration, and may temporarily be unable to withdraw at 100% utilisation.
i~USD 71 million recovered from the Kelp attacker is frozen due to a legal dispute in the US; Aave markets are operating normally.

Last reviewed 24/09/2026. Not investment advice.Facts and sources →

You keep your own wallet and deposit straight into the smart contract. Click a product name for details.

29/29 products · How risk tiers work

									Conditions & limits
BNB	Aave v3 · BSC (WBNB) One rate for any amount. TVL: $91M · BSC Rate basis: APR (the source publishes APY, converted to the APR equivalent with daily compounding)	Flexible DeFi · smart contract	B· Medium risk CoinB· Medium riskPlatformA· Lower risk	0.01%	0.01%	0.01%	0.01%	0.01%	Withdraw any time if the pool has enough liquidity
BTC	Aave v3 · Arbitrum (WBTC) One rate for any amount. TVL: $244M · Arbitrum Rate basis: APR (the source publishes APY, converted to the APR equivalent with daily compounding)	Flexible DeFi · smart contract	A· Lower risk CoinA· Lower riskPlatformA· Lower risk	0.02%	0.02%	0.02%	0.02%	0.02%	Withdraw any time if the pool has enough liquidity
BTC	Aave v3 · Polygon (WBTC) One rate for any amount. TVL: $70M · Polygon Rate basis: APR (the source publishes APY, converted to the APR equivalent with daily compounding)	Flexible DeFi · smart contract	A· Lower risk CoinA· Lower riskPlatformA· Lower risk	0.01%	0.01%	0.01%	0.01%	0.01%	Withdraw any time if the pool has enough liquidity
BTC	Aave v3 · Base (CBBTC) One rate for any amount. TVL: $237M · Base Rate basis: APR (the source publishes APY, converted to the APR equivalent with daily compounding)	Flexible DeFi · smart contract	A· Lower risk CoinA· Lower riskPlatformA· Lower risk	0.01%	0.01%	0.01%	0.01%	0.01%	Withdraw any time if the pool has enough liquidity
BTC	Aave v3 · BSC (BTCB) One rate for any amount. TVL: $83M · BSC Rate basis: APR (the source publishes APY, converted to the APR equivalent with daily compounding)	Flexible DeFi · smart contract	A· Lower risk CoinA· Lower riskPlatformA· Lower risk	0.01%	0.01%	0.01%	0.01%	0.01%	Withdraw any time if the pool has enough liquidity
BTC	Aave v3 · Ethereum (WBTC) One rate for any amount. TVL: $2.9B · Ethereum Rate basis: APR (the source publishes APY, converted to the APR equivalent with daily compounding)	Flexible DeFi · smart contract	A· Lower risk CoinA· Lower riskPlatformA· Lower risk	0.00%	0.00%	0.00%	0.00%	0.00%	Withdraw any time if the pool has enough liquidity
BTC	Aave v3 · Ethereum (CBBTC) One rate for any amount. TVL: $1.5B · Ethereum Rate basis: APR (the source publishes APY, converted to the APR equivalent with daily compounding)	Flexible DeFi · smart contract	A· Lower risk CoinA· Lower riskPlatformA· Lower risk	0.00%	0.00%	0.00%	0.00%	0.00%	Withdraw any time if the pool has enough liquidity
ETH	Aave v3 · Ethereum · Umbrella (WETH) One rate for any amount. TVL: $30M · Ethereum Rate basis: APR (the source publishes APY, converted to the APR equivalent with daily compounding)	Flexible DeFi · smart contract	A· Lower risk CoinA· Lower riskPlatformA· Lower risk	4.85%	1.46%	4.85%	4.85%	4.85%	Token rewards Withdraw any time if the pool has enough liquidity
ETH	Aave v3 · Ethereum (WETH) One rate for any amount. TVL: $752M · Ethereum Rate basis: APR (the source publishes APY, converted to the APR equivalent with daily compounding)	Flexible DeFi · smart contract	A· Lower risk CoinA· Lower riskPlatformA· Lower risk	1.46%	1.46%	1.46%	1.46%	1.46%	Withdraw any time if the pool has enough liquidity
ETH	Aave v3 · Base (WETH) One rate for any amount. TVL: $44M · Base Rate basis: APR (the source publishes APY, converted to the APR equivalent with daily compounding)	Flexible DeFi · smart contract	A· Lower risk CoinA· Lower riskPlatformA· Lower risk	1.38%	1.38%	1.38%	1.38%	1.38%	Withdraw any time if the pool has enough liquidity
ETH	Aave v3 · Arbitrum (WETH) One rate for any amount. TVL: $25M · Arbitrum Rate basis: APR (the source publishes APY, converted to the APR equivalent with daily compounding)	Flexible DeFi · smart contract	A· Lower risk CoinA· Lower riskPlatformA· Lower risk	1.04%	1.04%	1.04%	1.04%	1.04%	Withdraw any time if the pool has enough liquidity
ETH	Aave v3 · Polygon (WETH) One rate for any amount. TVL: $28M · Polygon Rate basis: APR (the source publishes APY, converted to the APR equivalent with daily compounding)	Flexible DeFi · smart contract	A· Lower risk CoinA· Lower riskPlatformA· Lower risk	0.32%	0.32%	0.32%	0.32%	0.32%	Withdraw any time if the pool has enough liquidity
ETH	Aave v3 · Ethereum · Prime Instance (WSTETH) One rate for any amount. TVL: $149M · Ethereum Rate basis: APR (the source publishes APY, converted to the APR equivalent with daily compounding)	Flexible DeFi · smart contract	A· Lower risk CoinA· Lower riskPlatformA· Lower risk	0.03%	0.03%	0.03%	0.03%	0.03%	Withdraw any time if the pool has enough liquidity
ETH	Aave v3 · OP Mainnet (WSTETH) One rate for any amount. TVL: $27M · OP Mainnet Rate basis: APR (the source publishes APY, converted to the APR equivalent with daily compounding)	Flexible DeFi · smart contract	A· Lower risk CoinA· Lower riskPlatformA· Lower risk	0.00%	0.00%	0.00%	0.00%	0.00%	Withdraw any time if the pool has enough liquidity
ETH	Aave v3 · Base (WSTETH) One rate for any amount. TVL: $33M · Base Rate basis: APR (the source publishes APY, converted to the APR equivalent with daily compounding)	Flexible DeFi · smart contract	A· Lower risk CoinA· Lower riskPlatformA· Lower risk	0.00%	0.00%	0.00%	0.00%	0.00%	Withdraw any time if the pool has enough liquidity
ETH	Aave v3 · Ethereum (WSTETH) One rate for any amount. TVL: $2.6B · Ethereum Rate basis: APR (the source publishes APY, converted to the APR equivalent with daily compounding)	Flexible DeFi · smart contract	A· Lower risk CoinA· Lower riskPlatformA· Lower risk	0.00%	0.00%	0.00%	0.00%	0.00%	Withdraw any time if the pool has enough liquidity
ETH	Aave v3 · Base (CBETH) One rate for any amount. TVL: $139M · Base Rate basis: APR (the source publishes APY, converted to the APR equivalent with daily compounding)	Flexible DeFi · smart contract	A· Lower risk CoinA· Lower riskPlatformA· Lower risk	0.00%	0.00%	0.00%	0.00%	0.00%	Withdraw any time if the pool has enough liquidity
ETH	Aave v3 · Base (WEETH) One rate for any amount. TVL: $45M · Base Rate basis: APR (the source publishes APY, converted to the APR equivalent with daily compounding)	Flexible DeFi · smart contract	A· Lower risk CoinA· Lower riskPlatformA· Lower risk	0.00%	0.00%	0.00%	0.00%	0.00%	Withdraw any time if the pool has enough liquidity
USDC	Aave v3 · Ethereum · Umbrella One rate for any amount. TVL: $58M · Ethereum Rate basis: APR (the source publishes APY, converted to the APR equivalent with daily compounding)	Flexible DeFi · smart contract	A· Lower risk CoinA· Lower riskPlatformA· Lower risk	5.12%	3.52%	5.12%	5.12%	5.12%	Token rewards Withdraw any time if the pool has enough liquidity
USDC	Aave v3 · Ethereum One rate for any amount. TVL: $188M · Ethereum Rate basis: APR (the source publishes APY, converted to the APR equivalent with daily compounding)	Flexible DeFi · smart contract	A· Lower risk CoinA· Lower riskPlatformA· Lower risk	3.52%	3.52%	3.52%	3.52%	3.52%	Withdraw any time if the pool has enough liquidity
USDC	Aave v3 · Arbitrum One rate for any amount. TVL: $25M · Arbitrum Rate basis: APR (the source publishes APY, converted to the APR equivalent with daily compounding)	Flexible DeFi · smart contract	A· Lower risk CoinA· Lower riskPlatformA· Lower risk	2.94%	2.94%	2.94%	2.94%	2.94%	Withdraw any time if the pool has enough liquidity
USDE	Aave v3 · Monad One rate for any amount. TVL: $52M · Monad Rate basis: APR (the source publishes APY, converted to the APR equivalent with daily compounding)	Flexible DeFi · smart contract	B· Medium risk CoinB· Medium riskPlatformA· Lower risk	1.05%	0.06%	1.05%	1.05%	1.05%	Token rewards Withdraw any time if the pool has enough liquidity
USDE	Aave v3 · Ethereum One rate for any amount. TVL: $552M · Ethereum Rate basis: APR (the source publishes APY, converted to the APR equivalent with daily compounding)	Flexible DeFi · smart contract	B· Medium risk CoinB· Medium riskPlatformA· Lower risk	0.38%	0.38%	0.38%	0.38%	0.38%	Withdraw any time if the pool has enough liquidity
USDE	Aave v3 · Plasma One rate for any amount. TVL: $516M · Plasma Rate basis: APR (the source publishes APY, converted to the APR equivalent with daily compounding)	Flexible DeFi · smart contract	B· Medium risk CoinB· Medium riskPlatformA· Lower risk	0.36%	0.36%	0.36%	0.36%	0.36%	Withdraw any time if the pool has enough liquidity
USDE	Aave v3 · Mantle One rate for any amount. TVL: $24M · Mantle Rate basis: APR (the source publishes APY, converted to the APR equivalent with daily compounding)	Flexible DeFi · smart contract	B· Medium risk CoinB· Medium riskPlatformA· Lower risk	0.00%	0.00%	0.00%	0.00%	0.00%	Withdraw any time if the pool has enough liquidity
USDT	Aave v3 · Ethereum · Umbrella One rate for any amount. TVL: $65M · Ethereum Rate basis: APR (the source publishes APY, converted to the APR equivalent with daily compounding)	Flexible DeFi · smart contract	B· Medium risk CoinB· Medium riskPlatformA· Lower risk	5.64%	4.14%	5.64%	5.64%	5.64%	Token rewards Withdraw any time if the pool has enough liquidity
USDT	Aave v3 · Plasma (USDT0) One rate for any amount. TVL: $46M · Plasma Rate basis: APR (the source publishes APY, converted to the APR equivalent with daily compounding)	Flexible DeFi · smart contract	B· Medium risk CoinB· Medium riskPlatformA· Lower risk	4.74%	3.85%	4.74%	4.74%	4.74%	Token rewards Withdraw any time if the pool has enough liquidity
USDT	Aave v3 · Mantle (USDT0) One rate for any amount. TVL: $24M · Mantle Rate basis: APR (the source publishes APY, converted to the APR equivalent with daily compounding)	Flexible DeFi · smart contract	B· Medium risk CoinB· Medium riskPlatformA· Lower risk	4.36%	2.85%	4.36%	4.36%	4.36%	Token rewards Withdraw any time if the pool has enough liquidity
USDT	Aave v3 · Ethereum One rate for any amount. TVL: $190M · Ethereum Rate basis: APR (the source publishes APY, converted to the APR equivalent with daily compounding)	Flexible DeFi · smart contract	B· Medium risk CoinB· Medium riskPlatformA· Lower risk	4.14%	4.14%	4.14%	4.14%	4.14%	Withdraw any time if the pool has enough liquidity