DeFi protocol (you keep your wallet, funds sit in a smart contract)
KaminoB4/5· Medium risk
Facts last reviewed 24 Sept 2026
A large lending protocol on Solana, live since 11/2023, with no incidents or bad debt recorded.
Compare a move (switching cost) →History: published and paid rates, incidents, legal status →
Why this tier
- Falls short: Operating since 2023-11, under 3 years
- Meets: Audited by 3 firms: OtterSec, Sec3, RX Security
- Meets: Bug bounty programme (Immunefi, up to $1.5M)
- Meets: Large TVL: $1.3B
- Meets: No recorded incident causing user losses in the core product
- Note: Risk of the asset itself: Pooled lending: collateral/oracle risk, and delayed withdrawals at 100% utilisation (the USDC market hit 100% in 4/2026).
Tier history
- 29 Sept 2026B· Medium riskMedium risk
Products
| Coin | You earn | Highest rate | Tier | Product | Term | Conditions |
|---|---|---|---|---|---|---|
| BTC | 0.01% | Highest rate0.01% | B4/5· Medium risk | Kamino · Solana · SOL/BTC Market | FlexibleWithdraw any time | |
| SOL | 4.19% | Highest rate4.19% | B4/5· Medium risk | Kamino · Solana · SOL/BTC Market | FlexibleWithdraw any time |
BTC
SOLTier: A lowest risk, D active incident. The number after the letter is the criteria met.