Lending Platform
0.17%
0.00%Perubahan 24 jam
Perubahan 7 hari
| Grafik 7h | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
42 AAVE 42Aave | $101.46 | 6.24% | 12.33% | 5.84% | $1.57 B | $1.63 B | $149.17 M | |||
48 MORPHO 48Morpho | $1.96 | 2.99% | −2.06% | 10.38% | $1.28 B | $1.96 B | $11.59 M | |||
134 SYRUP 134Maple Finance | $0.1736 | 1.09% | −3.60% | 18.27% | $207.12 M | $216.45 M | $5.11 M | |||
148 COMP 148Compound | $17.16 | −1.05% | 2.87% | 5.91% | $171.60 M | $171.60 M | $7.38 M | |||
232 KMNO 232Kamino | $0.01802 | 0.72% | −1.79% | −9.88% | $92.90 M | $180.20 M | $3.12 M | |||
241 WEFI 241Wefi | $2.10 | 1.45% | −1.87% | −60.24% | $87.95 M | $210.00 M | $2.54 M | |||
389 XVS 389Venus | $2.84 | −3.01% | 3.27% | 15.79% | $46.50 M | $85.20 M | $1.71 M | |||
413 EUL 413Euler | $1.84 | −24.91% | 93.00% | 89.81% | $44.38 M | $49.96 M | $99.08 M | |||
488 PROM 488Prom | $2.04 | 5.97% | 12.91% | 88.00% | $37.25 M | $39.29 M | $2.51 M | |||
529 ZEST 529Zest Protocol | $0.2454 | −2.03% | 7.24% | 2.61% | $35.68 M | $244.40 M | $2.66 M | |||
543 CAP 543CAP | $0.02221 | 10.98% | 9.73% | −29.17% | $34.65 M | $222.10 M | $3.71 M | |||
598 BSB 598Block Street | $0.1258 | −2.12% | −4.39% | −57.28% | $29.73 M | $125.80 M | $6.43 M | |||
656 COINDEPO 656COINDEPO | $0.1006 | −0.62% | 18.36% | 27.53% | $25.21 M | $100.70 M | $853,890.48 | |||
693 FOLKS 693Folks | $1.88 | 1.83% | −12.32% | −15.65% | $23.07 M | $94.55 M | $187,301.50 | |||
764 LISTA 764Lista DAO | $0.0468 | −1.52% | −1.02% | −1.60% | $19.48 M | $37.27 M | $3.03 M | |||
798 LQTY 798Liquity | $0.1916 | 6.86% | 23.89% | 2.15% | $18.62 M | $19.34 M | $5.58 M | |||
861 EVAA 861EVAA Protocol | $0.8985 | 4.92% | −11.98% | −3.54% | $16.20 M | $45.38 M | $3.18 M | |||
902 CLO 902Yei Finance | $0.1137 | −8.54% | −17.30% | −25.41% | $14.65 M | $113.50 M | $3.01 M | |||
906 WELL 906Moonwell | $0.003188 | 1.45% | −8.83% | −5.11% | $14.44 M | $15.94 M | $2.46 M | |||
984 SLND 984Solend | $0.122 | 0.08% | −1.23% | −10.02% | $12.20 M | $12.20 M | $2.41 | |||
1088 DINERO 1088Dinero | $0.01169 | −0.70% | −1.79% | 4.48% | $9.86 M | $14.76 M | $102.34 | |||
1212 SOIL 1212Soil | $0.111 | −0.98% | −3.49% | 16.00% | $7.75 M | $11.00 M | $44,972.25 | |||
1249 INV 1249Inverse Finance | $10.12 | −1.54% | −8.00% | 2.02% | $7.27 M | $7.36 M | $8,428.67 | |||
1268 NAVX 1268NAVI Protocol | $0.0086 | 3.22% | −16.25% | 22.86% | $7.03 M | $8.62 M | $224,373.54 | |||
1333 GROVE 1333Grove Finance | $0.01074 | 1.76% | −7.21% | −70.49% | $6.12 M | $107.40 M | $565,658.57 | |||
1360 BETA 1360Beta Finance | $0.00573 | −12.21% | −3.43% | −17.09% | $5.73 M | $5.73 M | $828.29 | |||
1392 SAVE 1392Save | $0.1166 | −0.23% | −2.59% | −14.97% | $5.32 M | $5.83 M | $20.64 | |||
1396 ALCX 1396Alchemix | $2.08 | 1.87% | 3.71% | −16.76% | $5.27 M | $5.61 M | $87,942.56 | |||
1533 GEAR 1533Gearbox Protocol | $0.0004199 | 4.14% | 6.33% | −1.48% | $4.20 M | $4.20 M | $1,704.39 | |||
1536 HPL 1536HyperLend | $0.01321 | 3.02% | −0.66% | 1.05% | $4.19 M | $13.21 M | $13,910.33 | |||
1550 PACT 1550PACT | $0.0001236 | 2.76% | −4.37% | 181.78% | $4.09 M | $15.45 M | $31,598.05 | |||
1579 SEND 1579Suilend | $0.0527 | 3.88% | 3.15% | 5.59% | $3.84 M | $5.26 M | $1,991.11 | |||
1652 LQ 1652Liqwid Finance | $0.1671 | 1.35% | −11.21% | 2.24% | $3.37 M | $3.51 M | $66.26 | |||
1659 GFI 1659Goldfinch | $0.03542 | −0.31% | −10.30% | −28.50% | $3.31 M | $4.05 M | $190,452.19 | |||
1672 AVL 1672Avalon | $0.02018 | −1.44% | −3.58% | −13.76% | $3.25 M | $3.26 M | $159,661.47 | |||
1915 RAMP 1915RAMP [OLD] | $0.01786 | −6.27% | 4.67% | 5.01% | $2.17 M | $2.17 M | $217.49 | |||
1924 RWA 1924ALLO | $0.001173 | −0.27% | −0.50% | −5.45% | $2.11 M | $11.74 M | $202,776.29 | |||
1952 EXTRA 1952Extra Finance | $0.004546 | 2.93% | −5.47% | 15.03% | $2.05 M | $4.55 M | $4,056.06 | |||
1962 TAROT 1962Tarot | $0.03001 | 1.74% | 1.46% | 2.12% | $2.03 M | $3.00 M | $3,963.85 | |||
1982 SPECTRA 1982Spectra | $0.004199 | 56.63% | 71.91% | 68.10% | $1.99 M | $1.85 M | $2,366.63 | |||
2060 MPL 2060Maple | $0.4125 | 0.64% | 0.34% | 1.12% | $1.82 M | $4.13 M | $14.81 | |||
2229 BLND 2229Blend | $0.04121 | 0.13% | 6.78% | −6.78% | $1.45 M | $2.77 M | $20,612.00 | |||
2297 SCA 2297Scallop.io | $0.008171 | −3.15% | −5.93% | −11.52% | $1.34 M | $2.04 M | $1.19 M | |||
2465 NLS 2465Nolus | $0.001242 | −3.20% | 0.98% | −61.86% | $1.09 M | $1.14 M | $35,810.16 | |||
2469 CREAM 2469Cream | $0.4678 | 3.94% | 1.48% | 4.37% | $1.08 M | $1.37 M | $295.83 | |||
2537 TRU 2537TrueFi | $0.0007996 | −6.81% | −48.27% | −10.44% | $993,390.28 | $1.01 M | $18,161.12 | |||
2656 BIFI 2656Bifrost Finance | $0.001762 | 2.63% | −10.42% | 18.27% | $873,647.58 | $1.76 M | $9,252.16 | |||
2671 ELON 2671Echelon | $0.06374 | 1.94% | −0.62% | 2.56% | $860,354.99 | $6.37 M | $59,301.40 | |||
2704 RDNT 2704Radiant Capital | $0.0005744 | −1.53% | 7.31% | −31.92% | $829,680.65 | $866,073.68 | $31,559.63 | |||
2713 BXX 2713Baanx | $0.003317 | 3.60% | 14.34% | 7.31% | $820,012.29 | $829,250.00 | $1,015.07 | |||
2731 8LNDS 27318lends | $0.01738 | 1.95% | −0.75% | 1.05% | $805,258.47 | $1.74 M | $6,128.43 | |||
2832 QI 2832Qi Dao | $0.005228 | 3.98% | 3.81% | 6142.36% | $723,283.28 | $1.05 M | $17.33 | |||
2833 SEAM 2833Seamless | $0.01777 | −1.50% | −62.28% | 173.37% | $722,990.13 | $1.78 M | $656.52 | |||
3034 NSTR 3034Nostra | $0.005769 | 3.17% | 3.05% | 10.75% | $576,900.00 | $576,900.00 | $319.56 | |||
3125 BNC 3125Bifrost | $0.013767 | 1.53% | −2.52% | −24.83% | $514,285.64 | $1.10 M | $459,765.00 | |||
3184 WEFI 3184Wefi Finance | $0.01157 | 0.18% | −0.08% | −0.56% | $484,590.15 | $1.16 M | $1,797.03 | |||
3252 CEL 3252Celsius Network | $0.01181 | 0.74% | 3.17% | 8.09% | $445,474.51 | $445,474.51 | $855.95 | |||
3404 CREDI 3404Credefi | $0.0005133 | −1.91% | −5.56% | −36.03% | $383,344.68 | $512,100.00 | $30,322.83 | |||
3450 PINE 3450Pine | $0.001826 | 2.09% | 0.33% | 1.79% | $364,423.95 | $365,200.00 | $20.45 | |||
3682 NOTE 3682Notional Finance | $0.006107 | 4.68% | −6.89% | 3.78% | $287,201.00 | $610,267.19 | $211.98 | |||
3765 HTM 3765Hatom | $0.01589 | 0.11% | 3.21% | 15.96% | $264,845.89 | $1.59 M | $626.37 | |||
3896 FOREX 3896handle.fi | $0.001264 | 0.77% | −15.47% | −57.88% | $233,451.79 | $530,880.00 | $444.32 | |||
3908 HIFI 3908Hifi Finance | $0.001623 | 5.60% | −6.68% | −41.58% | $230,439.79 | $230,439.79 | $216.45 | |||
3958 SMARTCREDIT 3958SmartCredit Token | $0.1069 | 1.02% | 6.60% | 19.24% | $220,651.88 | $2.67 M | $2.05 | |||
3982 UFI 3982PureFi | $0.003649 | −1.84% | −6.31% | 7.78% | $213,184.91 | $364,900.00 | $63.10 | |||
4038 STRIKE 4038Strike | $0.03534 | −7.28% | 83.34% | 123.40% | $200,807.06 | $231,154.98 | $294.76 | |||
4058 PRIME 4058DeltaPrime | $0.04516 | −16.52% | 5.44% | −33.23% | $195,343.56 | $1.81 M | $23.06 | |||
4068 LIQ 4068LIQUIDIUM•TOKEN (Runes) | $0.008889 | −0.09% | −1.33% | −2.37% | $194,022.52 | $888,899.99 | $66.67 | |||
4166 UFT 4166UniLend Finance | $0.001791 | 4.14% | 5.09% | 23.72% | $179,100.00 | $179,100.00 | $2.44 | |||
4577 KSKD 4577Kaskad | $0.001358 | 1.42% | −16.31% | −54.01% | $125,714.81 | $1.36 M | $49,689.00 | |||
4729 PORT 4729Port Finance | $0.003438 | 3.17% | −6.74% | −13.91% | $110,568.51 | $343,800.00 | $36.18 | |||
4963 KAR 4963Karura | $0.0007911 | −1.51% | −22.66% | −32.90% | $92,294.99 | $126,576.00 | $2,580.75 | |||
5111 ALPACA 5111Alpaca Finance | $0.0005491 | 3.81% | 2.58% | 2.38% | $83,281.25 | $83,281.25 | $508.39 | |||
5252 YALA 5252Yala | $0.000248 | −17.19% | −10.61% | −5.93% | $74,556.50 | $247,815.42 | $514.83 | |||
5303 BLB 5303Blueberry | $0.0002475 | 1.52% | 5.85% | 60.40% | $71,463.15 | $247,500.00 | $25.37 | |||
5311 PLY 5311Aurigami | $0.00001718 | −0.06% | −4.61% | 1.42% | $70,897.79 | $171,800.00 | $1.57 | |||
5325 ORION 5325Orion Money | $0.000705 | 2.07% | −0.73% | −1.07% | $70,404.99 | $741,100.00 | $1,100.69 | |||
5851 PIE 5851DeFiPie | $0.001292 | 4.24% | 2.09% | 24.85% | $45,974.49 | $284,240.00 | $14.19 | |||
5868 SILO 5868Silo Finance [OLD] | $0.0005502 | −99.51% | −99.51% | −2.68% | $45,305.84 | $504,894.15 | $26.03 | |||
6611 LEND 6611Lendle | $0.00037 | 4.56% | 5.57% | 19.30% | $25,482.76 | $37,000.00 | $1.02 | |||
7003 MENDI 7003Mendi Finance | $0.000328 | −0.09% | −9.72% | −9.87% | $18,161.48 | $32,800.00 | $11.10 | |||
7088 DUCK 7088Unit Protocol | $0.00003535 | −32.16% | −32.16% | −21.40% | $16,719.44 | $36,017.85 | $4.95 | |||
7262 RABBIT 7262Rabbit Finance | $0.0001366 | −0.23% | −1.11% | −1.77% | $14,541.00 | $27,729.80 | $21.74 | |||
7564 CPD 7564CoinsPaid | $0.000121 | 3.49% | 6.87% | 15.87% | $11,229.87 | $96,800.00 | $10.67 | |||
8037 BANX 8037BANX | $0.0₅48 | −7.03% | −44.09% | −0.07% | $7,199.18 | $7,199.99 | $617.60 | |||
8246 APRT 8246Apricot | $0.00003573 | 0.51% | 1.26% | 0.89% | $5,877.58 | $35,730.00 | $0.7371 | |||
8813 SVY 8813Savvy | $0.0007042 | 0.11% | −10.89% | −10.89% | $2,512.31 | $7,042.00 | $5.52 | |||
8932 ARCH 8932Archimedes Finance | $0.01365 | 4.72% | 4.72% | 26.56% | $1,324.38 | $1.37 M | $1.21 | |||
9453 QBT 9453Qubit | $0.00006724 | 0.40% | 1.42% | −3.77% | -- | $67,240.00 | $54.50 | |||
9478 PRT 9478Parrot Protocol | $0.00002847 | 0.67% | −0.28% | 8.41% | -- | $63,545.42 | $0.2051 | |||
9498 AVAI 9498Orca AVAI | $0.412 | −1.60% | −2.52% | −13.28% | -- | $904,882.13 | $39.53 | |||
9696 TRUSTNFT 9696TrustNFT | $0.00007418 | 0.28% | 1.10% | −0.99% | -- | $74,180.00 | $2.62 | |||
9777 AVAT 9777AVATA Network | $0.00003951 | −0.66% | 1.06% | 0.92% | -- | $3,283.44 | $0.06 | |||
9952 ABEL 9952ABEL Finance | $0.004441 | 0.03% | 0.03% | 0.09% | -- | $2,965.89 | $15,520.31 | |||
10030 RF 10030ReactorFusion | $0.00006939 | 0.00% | 146.59% | 146.59% | -- | $5,497.75 | $5.16 | |||
10131 ARS 10131Aquarius Loan | $0.00006283 | −2.94% | −26.74% | 181.75% | -- | $62,830.00 | $4.24 | |||
10133 PHIAT 10133Phiat Protocol | $0.008291 | −2.58% | 12.12% | 23.13% | -- | $418,641.14 | $125.11 | |||
10245 LOAN 10245Liquid Loans | $0.0₅22 | 2.50% | 5.53% | 20.82% | -- | $1.21 M | $2,560.66 | |||
10292 WEFT 10292Weft Finance | $0.0005382 | −1.33% | 15.82% | 35.74% | -- | $53,819.99 | $13.89 | |||
10338 FLDT 10338FluidTokens | $0.03974 | 0.25% | −0.18% | 7.15% | -- | $3.98 M | $19,254.43 |
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Pertanyaan yang Sering Diajukan
Apa itu kategori Platform Peminjaman dari protokol peminjaman kripto?
Kategori Platform Peminjaman mencakup pasar uang DeFi berbasis rantai yang memungkinkan pengguna menyediakan kripto untuk mendapatkan imbal hasil atau menggunakannya sebagai jaminan untuk meminjam—tanpa meja penitipan, tanpa underwriting manual. Peminjaman kripto adalah vertikal terbesar dalam DeFi berdasarkan Total Value Locked (TVL) dan merupakan lapisan kredit inti, memungkinkan leverage, shorting, dan pencetakan stablecoin tanpa menjual kepemilikan. Aave (AAVE) menjadi landasan sektor ini sebagai protokol tunggal terbesar. DropsTab melacak lebih dari 100 protokol peminjaman di Ethereum, Solana, Sui, dan BNB.
Bagaimana cara kerja peminjaman kripto?
Peminjaman kripto berlangsung melalui pinjaman overcollateralized pada kontrak pintar. Seorang peminjam menyetor nilai lebih besar daripada jumlah yang dipinjam, dan mesin likuidasi secara otomatis menjual jaminan jika posisi turun di bawah ambang batas loan-to-value (LTV). Overcollateralization menghilangkan underwriting manual dan kepercayaan antar pihak. Pemberi pinjaman mendapat APY pasokan yang didanai langsung oleh bunga peminjam. Aave dan Compound (COMP) memelopori model pooled peer-to-pool, di mana setoran berbagi satu kolam likuiditas yang ditentukan secara algoritmik berdasarkan pemanfaatan.
Protokol mana yang memimpin sektor peminjaman kripto berdasarkan TVL?
Aave (AAVE) memimpin sektor peminjaman kripto dengan TVL yang konsisten dengan DeFiLlama sekitar ~$14–19 miliar per Juni 2026—protokol tunggal terbesar dalam kategori ini. Morpho (MORPHO) menempati posisi sebagai pesaing dengan pertumbuhan tercepat dengan TVL sekitar ~$6,9 miliar. Maple Finance (SYRUP) memimpin kredit RWA institusional dengan TVL sekitar $2,0 miliar, dan Kamino (KMNO) memimpin peminjaman Solana dengan TVL sekitar $1,1–1,5 miliar. Investor yang mencari platform peminjaman kripto terbaik harus mempertimbangkan TVL bersama pemanfaatan dan risiko jaminan, bukan hanya ukuran headline saja.
Bagaimana protokol peminjaman kripto diukur dan diperingkat?
Analis memeringkat protokol peminjaman kripto terutama berdasarkan Total Value Locked (TVL)—jumlah setoran gabungan dan pinjaman yang belum dilunasi—yang merupakan metrik utama. Tingkat pemanfaatan (pinjaman ÷ pasokan) menunjukkan efisiensi modal dan permintaan pinjaman. APY pasokan dan pinjaman mencerminkan penetapan harga risiko di pasar. Faktor jaminan, atau LTV maksimum, menentukan daya pinjaman per unit jaminan dan mengukur selera risiko. Rasio kapitalisasi pasar terhadap TVL menilai token tata kelola dibandingkan dengan penggunaan aktual protokol.
Apa saja jenis utama desain protokol peminjaman kripto?
Protokol peminjaman kripto terbagi menjadi empat desain. Pasar pooled peer-to-pool (Aave, Compound) berbagi satu kolam likuiditas algoritmik. Peminjaman pasar terisolasi (Morpho, Euler) mengandung penyebaran utang macet per pasar dan memungkinkan kurator menetapkan parameter risiko khusus. Protokol stablecoin CDP (Liquity, Qi Dao) mencetak stablecoin berdasarkan jaminan terkunci. Protokol kredit swasta RWA (Maple, Goldfinch, TrueFi) membawa kredit off-chain yang telah tokenisasi ke on-chain. Perpindahan menuju pasar terisolasi merupakan tren desain sektor yang menonjol pada 2025–2026.
Bagaimana peminjaman DeFi berbeda dari peminjaman CeFi?
Peminjaman DeFi berjalan pada kontrak pintar publik dengan pinjaman overcollateralized dan non-kustodian—pengguna tetap mengendalikan kunci dan setiap posisi dapat diverifikasi di rantai. Peminjaman CeFi melalui meja penitipan yang menyimpan setoran dan melakukan underwriting secara manual. Perbedaan ini membawa risiko nyata. Kegagalan CeFi menghapus simpanan deposan Celsius (CEL) selama krisis kredit 2022, sementara risiko DeFi terpusat pada eksploitasi kontrak pintar seperti penarikan Cream (CREAM). DropsTab mencantumkan protokol DeFi berbasis rantai dengan token asli, bukan meja CeFi yang berbasis penitipan.
Apa risiko investasi peminjaman kripto?
Investasi peminjaman kripto memiliki empat risiko utama. Eksploitasi kontrak pintar dan manipulasi oracle telah menguras protokol di vertikal ini secara historis. Kaskade likuidasi di pasar volatil dapat meninggalkan protokol dengan utang macet. Risiko konsentrasi sangat tinggi—Aave (AAVE) memiliki porsi yang jauh lebih besar dari total TVL sektor. Protokol RWA dan kredit swasta seperti Maple (SYRUP) menambahkan risiko gagal bayar pihak lawan off-chain. Peminjaman tanpa izin dan kredit tokenisasi juga berada di dekat pengawasan sekuritas dan hukum peminjaman.
Mengapa sektor peminjaman kripto berkembang pada 2025–2026?
Sektor peminjaman kripto berkembang karena tiga faktor pendorong. Peminjaman modular terisolasi—Morpho (MORPHO), Euler (EUL)—menggantikan pasar umum pooled dengan mengendalikan risiko per pasar. Kredit swasta RWA dan institusional—Maple (SYRUP), Goldfinch (GFI)—membawa imbal hasil off-chain dan jaminan T-bill yang telah tokenisasi ke on-chain. Perluasan multi-rantai memperluas peta dari Ethereum ke Solana (Kamino), Sui (Suilend, NAVI), dan BNB (Venus). Pertumbuhan stablecoin dan penurunan biaya L2 mendorong likuiditas peminjaman.
Bagaimana cara melacak protokol peminjaman kripto di DropsTab?
DropsTab melacak lebih dari 100 protokol peminjaman kripto dalam kategori Platform Peminjaman, mencakup Ethereum, Solana, Sui, BNB, dan Cardano. Pemindai kategori menyaring protokol berdasarkan kapitalisasi pasar dan token asli, memungkinkan investor membandingkan token tata kelola seperti AAVE, MORPHO, COMP, dan KMNO secara bersamaan. Jadwal vesting menampilkan pembukaan token yang akan datang per protokol, dan profil Fundraising menunjukkan kualitas pendukung. Drops Bot memberi peringatan tentang daftar baru dan pergerakan harga di seluruh sektor.