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Lending

Fluid Lending

Lending app — deposit your token, earn interest from people who borrow it.

Visit official site ↗ @0xfluid
Total value held · all chains
$771 Million
▲ +0.46% this week

69% on Ethereum · also on 4 other chains

Chains

5

Live yield options

193

Best reward rate

5.81%

Live since

2024

Where it runs

Available on 5 chains

  1. 01
    Ethereum Ethereum

    $582Million

    value held

    →
  2. 02
    Arbitrum Arbitrum

    $120Million

    value held

    →
  3. 03
    Plasma Plasma

    $102Million

    value held

    →
  4. 04
    Base Base

    $32.2Million

    value held

    →
  5. 05
    Polygon Polygon

    $4.65Million

    value held

    →

Earn here · live yield options

Yields available on Fluid Lending

193 live options — yields range 0.02% to 5.81% per year, with a median of 1.09%.

  1. 01
    fluid-lending - USDC Ethereum

    USDC

    Reward

    4.54%

    →
  2. 02
    fluid-lending - WSTETH Ethereum

    WSTETH

    Reward

    0.08%

    →
  3. 03
    fluid-lending - ETH Ethereum

    ETH

    Reward

    1.89%

    →
  4. 04
    fluid-lending - USDT Ethereum

    USDT

    Reward

    5.26%

    →
  5. 05
    fluid-lending - WEETH Ethereum

    WEETH

    Reward

    —

    →
  6. 06
    fluid-lending - USDC Arbitrum

    USDC

    Reward

    5.81%

    →
All 193 yield options on Fluid Lending Expand →
Option Chain Reward Pool size
fluid-lending - USDC Ethereum 4.54% $190Million
fluid-lending - WSTETH Ethereum 0.08% $177Million
fluid-lending - ETH Ethereum 1.89% $127Million
fluid-lending - USDT Ethereum 5.26% $121Million
fluid-lending - WEETH Ethereum 0.0% $51.7Million
fluid-lending - USDC Arbitrum 5.81% $42.5Million
fluid-lending - USD₮0 Arbitrum 5.51% $39.3Million
fluid-lending - ETH Ethereum 1.89% $37.2Million
fluid-lending - SUSDAI Arbitrum 0.0% $30.1Million
fluid-lending - WBTC Ethereum 0.05% $27.8Million
fluid-lending - SUSDAI Arbitrum 0.0% $24.5Million
fluid-lending - REUSD Ethereum 0.0% $23.4Million
fluid-lending - REUSD Ethereum 0.0% $18Million
fluid-lending - WBTC Ethereum 0.05% $17.3Million
fluid-lending - WSTETH Arbitrum 0.04% $16.5Million
fluid-lending - REUSD Ethereum 0.0% $7.57Million
fluid-lending - CBBTC Ethereum 0.16% $7.55Million
fluid-lending - CBBTC Base 0.0% $7.47Million
fluid-lending - USDC Ethereum 3.4% $7.06Million
fluid-lending - ETH Arbitrum 1.38% $7.03Million
fluid-lending - WSTETH Ethereum 0.08% $6.96Million
fluid-lending - SUSDAI Base 0.0% $6.55Million
fluid-lending - WSTETH Ethereum 0.08% $6.49Million
fluid-lending - CBBTC Ethereum 0.16% $5.62Million
fluid-lending - WETH Ethereum 1.89% $5.04Million
fluid-lending - ETH Base 1.09% $4.45Million
fluid-lending - WBTC Arbitrum 0.02% $4Million
fluid-lending - WSTETH Ethereum 0.08% $3.75Million
fluid-lending - WSTETH Base 0.04% $3.66Million
fluid-lending - WEETHS Ethereum 0.0% $3.62Million
fluid-lending - WEETH Arbitrum 0.0% $3.23Million
fluid-lending - GHO Arbitrum 5.7% $2.59Million
fluid-lending - WBTC Arbitrum 0.02% $2.55Million
fluid-lending - ETH Ethereum 1.89% $2.46Million
fluid-lending - WSTETH Base 0.04% $2.39Million
fluid-lending - ETH Arbitrum 1.38% $2.35Million
fluid-lending - WBTC Arbitrum 0.02% $2.12Million
fluid-lending - WEETH Ethereum 0.0% $1.79Million
fluid-lending - WETH Arbitrum 1.38% $1.76Million
fluid-lending - WEETH Ethereum 0.0% $1.67Million
fluid-lending - WEETH Ethereum 0.0% $1.64Million
fluid-lending - SUSDE Ethereum 0.0% $1.54Million
fluid-lending - WSTUSR Ethereum 0.0% $1.39Million
fluid-lending - CBBTC Base 0.0% $1.36Million
fluid-lending - ETH Ethereum 1.89% $1.22Million
fluid-lending - WBTC Ethereum 0.05% $1.2Million
fluid-lending - WSTETH Arbitrum 0.04% $1.16Million
fluid-lending - ETH Ethereum 1.89% $997Thousand
fluid-lending - WSTETH Arbitrum 0.04% $946Thousand
fluid-lending - USDC Ethereum 3.4% $911Thousand

How it works

Using Fluid Lending in three steps

  1. 1

    Deposit your token

    Pick a token you already hold, send it to the lending app's smart contract. You keep custody — your tokens just sit in a pool earning interest.

  2. 2

    Earn interest

    Other people borrow against your deposit. The interest they pay flows back to you, accruing in real time.

  3. 3

    Withdraw whenever

    No lock-up. You can pull your tokens (plus accrued interest) any time the pool has free liquidity.

Read up

About Fluid Lending

An ever-evolving DeFi protocol and financial system of the future by Instadapp

Description provided by the protocol team. Always verify directly before depositing funds.

Tokens earning here

Top tokens earning yield through Fluid Lending

USDC

USDC

USDC

→ WSTETH

WSTETH

WSTETH

→ ETH

ETH

ETH

→ USDT

USDT

USDT

→ SU

SUSDAI

SUSDAI

→

Same family

Other Fluid products

These products share the brand but each is distinct code with its own deposits, audits, and risks. Pick the one that matches what you want to do.

FL

Fluid Lite

$164Million · Lending

→

Compare similar apps

Other lending apps worth a look

AA

Aave V3

$14.8Billion · value held

→ MO

Morpho Blue

$7.47Billion · value held

→ JU

Justlend

$3.63Billion · value held

→

Frequently asked

What people ask about Fluid Lending

What is Fluid Lending?

+

Fluid Lending is an on-chain app. Lending app — deposit your token, earn interest from people who borrow it.

Is using Fluid Lending safe?

+

Fluid Lending has 2 public audits on file. Audits help — they don't eliminate risk. Always check what tokens you're depositing and never put in more than you can afford to lose.

How much can I earn?

+

Right now yields on Fluid Lending run 0.0%–5.8% per year, depending on which pool you pick and which chain you use. Rates change with demand.

Which chains does it run on?

+

Fluid Lending runs on 5 chains, including Ethereum, Arbitrum, Plasma, Base, Polygon. Each chain has its own fees and speeds — pick the one you already use.

Figures are reference values aggregated from public sources and refresh hourly. Always confirm directly before depositing funds.

See also

Terms used on this page

See every term →