DeFi protocol (you keep your wallet, funds sit in a smart contract)
FluidB3/5· Medium risk
Facts last reviewed 24 Sept 2026
A shared liquidity layer for lending, vaults and DEX. Bad debt from the Resolv USR exploit (3/2026) was absorbed by the treasury, the team and Resolv; the reward distribution key leak (5/2026) was small and covered.
Compare a move (switching cost) →History: published and paid rates, incidents, legal status →
Why this tier
- Falls short: Operating since 2024-02, under 3 years
- Meets: Audited by 4 firms: PeckShield, StateMind, MixBytes, Cantina
- Meets: Bug bounty programme (Immunefi, up to $500k)
- Falls short: TVL $702.3M, below $1B
- Meets: Users were fully compensated for every known incident
- Note: Risk of the asset itself: Lenders share one liquidity layer with all Fluid vaults and DEX: bad debt or a bank run in one place can affect the ability to withdraw.
Tier history
- 29 Sept 2026B· Medium riskMedium risk
Products
| Coin | You earn | Highest rate | Tier | Product | Term | Conditions |
|---|---|---|---|---|---|---|
| USDT | 4.48% | Highest rate4.48% | B2/5· Medium risk | Fluid · Plasma | FlexibleWithdraw any time | |
| USDT | 3.89% | Highest rate3.89% | B2/5· Medium risk | Fluid · Ethereum | FlexibleWithdraw any time | |
| USDC | 6.18% | Highest rate6.18% | B3/5· Medium risk | Fluid · Arbitrum | FlexibleWithdraw any time | |
| USDC | 6.14% | Highest rate6.14% | B3/5· Medium risk | Fluid · Ethereum | FlexibleWithdraw any time | |
| BTC | 0.05% | Highest rate0.05% | B3/5· Medium risk | Fluid · Ethereum | FlexibleWithdraw any time | |
| ETH | 1.80% | Highest rate1.80% | B3/5· Medium risk | Fluid · Ethereum | FlexibleWithdraw any time | |
| ETH | 1.80% | Highest rate1.80% | B3/5· Medium risk | Fluid · Ethereum | FlexibleWithdraw any time |
USDT
USDC
BTC
ETHTier: A lowest risk, D active incident. The number after the letter is the criteria met.