The Best Hatom Lending Alternatives in 2026

ListaDAO provides liquid staking and collateralized stablecoin lending through its DeFi protocol.

ListaDAO provides liquid staking and collateralized stablecoin lending, with a lending protocol rather than exchange functions.

ListaDAO provides stablecoin lending and liquid staking through its decentralized finance protocol.

JUST is a DeFi suite on TRON offering lending, stablecoins, staking, and energy rental services.

Babylon Protocol builds Bitcoin collateral infrastructure so native BTC can secure lending, stablecoins, derivatives, and other applications.

BiFi offers cross-chain DeFi lending on Bifrost Network, where users can supply, borrow, and earn with coins and tokens.

Folks Finance provides cross-chain DeFi lending where users can lend, borrow, stake, trade, and manage digital assets.

Liqwid supports non-custodial lending and borrowing for Cardano assets through its liquidity market protocol.

On Ink, Tydro supports non-custodial lending and borrowing with flexible collateral through an Aave-powered liquidity protocol.

Compound connects suppliers and borrowers through lending markets for providing and borrowing capital.

TermFinance runs fixed-rate Ethereum lending and borrowing through on-chain auctions.

USD.AI offers collateralized lending pools backed by GPU hardware, with on-chain information about deposits and yield.

Neverland provides Monad-native lending with veTokenomics to structure incentives for decentralized borrowing.

Euler V2 provides modular lending, borrowing, and swaps, with customizable vaults and lending markets for builders.

Morpho Vaults allocate deposits across lending markets, offering curated on-chain yield strategies.

Kasu provides private credit lending to businesses, with weekly compounding and optional monthly interest payouts for lenders.

HypurrFi combines lending and a credit card on Hyperliquid with spot and perpetual trading, borrowing, and crypto spending.

TermMax provides a fixed-rate borrowing and lending marketplace where users can lock rates until maturity.

Avalon Labs provides Bitcoin-backed lending, borrowing, earning, and liquidity products through an on-chain finance platform.

Moonwell is a lending app built on Base and Optimism for on-chain borrowing and lending.

JustLend DAO is a TRON lending platform for borrowing, lending, depositing assets, and earning interest.

Moonwell offers a lending app on Base and Optimism for decentralized borrowing and lending.

Aave supports on-chain savings and borrowing, letting users earn on deposits and borrow against assets.

Gearbox offers on-chain credit infrastructure for tokenized assets, including segregated accounts, margin, prime brokerage, and portfolio loans.