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DeFi protocol (you keep your wallet, funds sit in a smart contract)

Aave v3A5/5· Lower risk

Facts last reviewed 24 Sept 2026

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.

Compare a move (switching cost) →History: published and paid rates, incidents, legal status →

Why this tier

  • Meets: Operating since 2022-03 (4 years)
  • Meets: Audited by 8 firms: OpenZeppelin, Trail of Bits, PeckShield, Certora, ABDK, Sigma Prime, MixBytes, Cantina
  • Meets: Bug bounty programme (Immunefi, up to $1M)
  • Meets: Large TVL: $17.4B
  • Meets: Users were fully compensated for every known incident
  • Note: Risk 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.
  • Note: ~USD 71 million recovered from the Kelp attacker is frozen due to a legal dispute in the US; Aave markets are operating normally.

Tier history

  1. 29 Sept 2026A· Lower riskLower risk

Products

CoinYou earnHighest rateTierProductTermConditions
USDT3.85%Highest rate3.85%B2/5· Medium riskAave v3 · PlasmaFlexibleWithdraw any time
USDT3.38%Highest rate3.38%B2/5· Medium riskAave v3 · EthereumFlexibleWithdraw any time
USDT3.38%Highest rate3.38%B2/5· Medium riskAave v3 · Ethereum · UmbrellaFlexibleWithdraw any timeCan be cut to cover bad debt
USDC4.21%Highest rate4.21%A5/5· Lower riskAave v3 · EthereumFlexibleWithdraw any time
USDC4.21%Highest rate4.21%A5/5· Lower riskAave v3 · Ethereum · UmbrellaFlexibleWithdraw any timeCan be cut to cover bad debt
USDE0.26%Highest rate0.26%B2/5· Medium riskAave v3 · PlasmaFlexibleWithdraw any time
USDE0.25%Highest rate0.25%B2/5· Medium riskAave v3 · EthereumFlexibleWithdraw any time
USDE0.01%Highest rate0.01%B2/5· Medium riskAave v3 · MonadFlexibleWithdraw any time
USDE0.00%Highest rate0.00%B2/5· Medium riskAave v3 · MantleFlexibleWithdraw any time
BTC0.02%Highest rate0.02%A5/5· Lower riskAave v3 · ArbitrumFlexibleWithdraw any time
BTC0.01%Highest rate0.01%A5/5· Lower riskAave v3 · PolygonFlexibleWithdraw any time
BTC0.01%Highest rate0.01%A5/5· Lower riskAave v3 · BaseFlexibleWithdraw any time
BTC0.00%Highest rate0.00%A5/5· Lower riskAave v3 · BSCFlexibleWithdraw any time
BTC0.00%Highest rate0.00%A5/5· Lower riskAave v3 · EthereumFlexibleWithdraw any time
BTC0.00%Highest rate0.00%A5/5· Lower riskAave v3 · EthereumFlexibleWithdraw any time
ETH1.38%Highest rate1.38%A5/5· Lower riskAave v3 · BaseFlexibleWithdraw any time
ETH1.32%Highest rate1.32%A5/5· Lower riskAave v3 · EthereumFlexibleWithdraw any time
ETH1.32%Highest rate1.32%A5/5· Lower riskAave v3 · Ethereum · UmbrellaFlexibleWithdraw any timeCan be cut to cover bad debt
ETH0.99%Highest rate0.99%A5/5· Lower riskAave v3 · ArbitrumFlexibleWithdraw any time
ETH0.43%Highest rate0.43%A5/5· Lower riskAave v3 · PolygonFlexibleWithdraw any time
BNB0.01%Highest rate0.01%B3/4· Medium riskAave v3 · BSCFlexibleWithdraw any time

Tier: A lowest risk, D active incident. The number after the letter is the criteria met.