Lending Platform
0.18%
0.00%Perubahan 24 jam
Perubahan 7 hari
| Grafik 7h | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
40 AAVE 40Aave | $133.69 | 1.42% | 2.53% | −25.76% | $2.06 B | $2.14 B | $125.96 M | |||
48 MORPHO 48Morpho | $2.25 | 0.43% | 2.85% | −16.47% | $1.59 B | $2.26 B | $11.55 M | |||
137 KMNO 137Kamino | $0.03659 | 9.83% | −1.72% | −7.10% | $216.48 M | $366.80 M | $15.29 M | |||
145 COMP 145Compound | $20.62 | 1.91% | −3.30% | −17.80% | $206.20 M | $205.60 M | $6.48 M | |||
155 SYRUP 155Maple Finance | $0.1598 | −0.68% | 1.82% | −37.23% | $190.32 M | $198.77 M | $7.17 M | |||
174 CAP 174CAP | $0.095483 | 28.62% | 29.42% | 46.22% | $148.95 M | $954.50 M | $96.66 M | |||
220 PROM 220Prom | $5.50 | 4.39% | −0.95% | −9.59% | $100.54 M | $106.65 M | $2.24 M | |||
350 XVS 350Venus | $2.89 | 0.35% | 1.40% | −15.84% | $47.71 M | $86.70 M | $909,680.00 | |||
360 FOLKS 360Folks | $2.51 | 6.59% | 2.73% | 2.69% | $45.29 M | $125.75 M | $928,291.11 | |||
469 LISTA 469Lista DAO | $0.0766 | 1.41% | −1.79% | −10.57% | $32.94 M | $60.94 M | $391,049.60 | |||
529 COINDEPO 529COINDEPO | $0.1193 | −1.15% | −2.45% | 6.46% | $29.87 M | $119.60 M | $723,523.37 | |||
549 EVAA 549EVAA Protocol | $1.52 | −4.49% | 26.56% | 96.21% | $27.21 M | $78.30 M | $12.40 M | |||
578 EUL 578Euler | $1.07 | 3.58% | −12.79% | −27.02% | $25.81 M | $29.11 M | $1.20 M | |||
590 ZEST 590Zest Protocol | $0.1728 | −2.70% | −3.79% | −5.90% | $25.24 M | $172.70 M | $159,461.38 | |||
609 BSB 609Block Street | $0.09197 | 2.34% | −9.49% | −12.06% | $23.62 M | $91.88 M | $2.08 M | |||
721 LQTY 721Liquity | $0.1899 | −2.01% | 1.19% | −19.98% | $18.30 M | $19.09 M | $889,238.57 | |||
728 DEBIT 728Teller | $1.04 | −2.26% | −2.81% | −50.33% | $17.91 M | $104.00 M | $3.46 M | |||
755 SLND 755Solend | $0.1682 | 0.17% | −6.92% | −15.17% | $16.82 M | $16.82 M | $26.04 | |||
833 DINERO 833Dinero | $0.01116 | 0.39% | −4.60% | −6.23% | $14.09 M | $14.09 M | $20.66 | |||
869 CLO 869Yei Finance | $0.05055 | 2.19% | −11.82% | −19.22% | $13.04 M | $12.82 M | $1.56 M | |||
1033 SOIL 1033Soil | $0.124 | −1.00% | −3.82% | 17.01% | $9.53 M | $12.24 M | $38,686.34 | |||
1080 WELL 1080Moonwell | $0.001927 | 5.45% | −7.81% | −19.92% | $8.73 M | $9.64 M | $85,420.40 | |||
1116 NAVX 1116NAVI Protocol | $0.01003 | 11.80% | 10.26% | −27.28% | $8.19 M | $10.07 M | $872,392.85 | |||
1117 PACT 1117PACT | $0.00020668 | 8.26% | 14.86% | 30.06% | $8.09 M | $25.91 M | $42,759.45 | |||
1151 INV 1151Inverse Finance | $10.61 | 1.13% | −3.79% | 6.92% | $7.69 M | $7.71 M | $11,289.81 | |||
1234 GROVE 1234Grove Finance | $0.007148 | −0.41% | −24.62% | −6.90% | $6.58 M | $71.48 M | $503,918.22 | |||
1311 ALCX 1311Alchemix | $2.11 | −0.35% | −2.00% | −22.22% | $5.57 M | $5.76 M | $27,790.83 | |||
1336 GEAR 1336Gearbox Protocol | $0.0005256 | 0.51% | −1.53% | −20.12% | $5.26 M | $5.26 M | $5,925.54 | |||
1448 LQ 1448Liqwid Finance | $0.2212 | 4.02% | −7.59% | −47.72% | $4.46 M | $4.65 M | $7,685.65 | |||
1504 BOW 1504Longbow | $0.004096 | 5.85% | −17.03% | −16.63% | $4.10 M | $4.10 M | $25,674.39 | |||
1527 SEND 1527Suilend | $0.05123 | 0.31% | 1.16% | −15.16% | $3.87 M | $5.12 M | $211.30 | |||
1644 GFI 1644Goldfinch | $0.03316 | 1.64% | −9.31% | −19.81% | $3.16 M | $3.79 M | $58,120.87 | |||
1658 KSKD 1658Kaskad | $0.003085 | −0.97% | −10.07% | −8.54% | $3.09 M | $3.09 M | $19,382.17 | |||
1690 AVL 1690Avalon | $0.01808 | 3.22% | −3.92% | −20.08% | $2.92 M | $2.93 M | $75,537.38 | |||
1727 HPL 1727HyperLend | $0.008716 | −0.50% | −4.77% | −24.11% | $2.77 M | $8.72 M | $18,931.16 | |||
1758 NLS 1758Nolus | $0.00297 | 0.30% | −16.76% | −20.30% | $2.65 M | $2.74 M | $60,154.40 | |||
1782 EXTRA 1782Extra Finance | $0.005228 | 5.27% | −2.19% | −27.90% | $2.54 M | $5.23 M | $5,520.74 | |||
1800 RAMP 1800RAMP [OLD] | $0.02048 | −4.83% | −6.14% | −11.83% | $2.49 M | $2.49 M | $306.84 | |||
1842 SPECTRA 1842Spectra | $0.004835 | −4.05% | 31.74% | −8.82% | $2.32 M | $2.13 M | $3,706.17 | |||
1883 RWA 1883ALLO | $0.001199 | 0.50% | −3.97% | −12.46% | $2.16 M | $12.00 M | $185,639.31 | |||
2036 BNPL 2036BNPL Pay | $0.01827 | 4.69% | 5.12% | 5.76% | $1.70 M | $18.27 M | $86.17 | |||
2063 MPL 2063Maple | $0.3722 | 1.10% | 7.39% | −0.05% | $1.64 M | $3.72 M | $17.73 | |||
2202 BETA 2202Beta Finance | $0.001367 | 1.55% | −9.15% | −18.98% | $1.37 M | $1.37 M | $176.14 | |||
2205 TAROT 2205Tarot | $0.02017 | 0.64% | −19.67% | −34.24% | $1.37 M | $2.02 M | $3,350.41 | |||
2282 CREAM 2282Cream | $0.4431 | −84.86% | −9.27% | −7.54% | $1.26 M | $1.30 M | $315.17 | |||
2325 KUJI 2325Kujira | $0.009629 | 0.00% | 15.40% | 37.38% | $1.18 M | $1.18 M | $3.08 | |||
2387 KAR 2387Karura | $0.009358 | −0.13% | 1130.78% | 727.35% | $1.09 M | $1.50 M | $7,756.38 | |||
2461 TRU 2461TrueFi | $0.0007934 | 1.69% | 0.18% | −18.24% | $986,653.33 | $997,320.44 | $2,577.84 | |||
2546 SCA 2546Scallop.io | $0.005019 | −0.59% | −15.51% | −36.95% | $886,189.96 | $1.25 M | $19,968.00 | |||
2569 HTM 2569Hatom | $0.05159 | −2.66% | 3.16% | 54.73% | $859,874.10 | $5.16 M | $6,332.79 | |||
2661 QI 2661Qi Dao | $0.005578 | 5.46% | 4.62% | −10.12% | $771,705.08 | $1.12 M | $80.34 | |||
2787 RDNT 2787Radiant Capital | $0.0004765 | 0.99% | −7.26% | 3.79% | $684,827.21 | $705,428.56 | $13,190.99 | |||
2886 ELON 2886Echelon | $0.04483 | −1.03% | −5.00% | −18.48% | $605,205.00 | $4.48 M | $3,901.45 | |||
3024 TMX 3024TermMax | $0.003391 | −10.02% | −23.77% | −79.73% | $518,144.80 | $3.39 M | $784,783.00 | |||
3034 BLND 3034Blend | $0.007581 | 10.77% | 28.48% | 34.72% | $508,994.78 | $508,994.78 | $2,278.73 | |||
3043 TAROT 3043Tarot V1 | $0.007495 | −1.67% | 0.40% | −2.39% | $507,411.50 | $749,500.00 | $2.86 | |||
3059 NSTR 3059Nostra | $0.005 | 2.46% | 2.61% | −6.62% | $500,000.00 | $500,000.00 | $619.07 | |||
3074 CREDI 3074Credefi | $0.0006633 | 8.72% | −7.17% | 11.85% | $496,529.05 | $662,200.00 | $22,036.75 | |||
3168 SEAM 3168Seamless | $0.01084 | −2.47% | 12.26% | −10.33% | $441,036.18 | $1.08 M | $36.93 | |||
3338 BLB 3338Blueberry | $0.001221 | 2.70% | 14.83% | 80.38% | $365,566.39 | $1.22 M | $162.55 | |||
3352 BNC 3352Bifrost | $0.010102 | 6.68% | 9.21% | −3.54% | $378,667.17 | $772,719.99 | $162,517.00 | |||
3620 SMARTCREDIT 3620SmartCredit Token | $0.1257 | 4.33% | −0.65% | −12.19% | $283,027.15 | $3.14 M | $4.14 | |||
3769 CEL 3769Celsius Network | $0.006491 | 1.91% | −1.29% | 3.68% | $244,841.24 | $244,841.24 | $84.88 | |||
3852 PINE 3852Pine | $0.001127 | 1.24% | −0.50% | −38.70% | $224,921.02 | $225,400.00 | $222.86 | |||
3917 BIFI 3917Bifrost Finance | $0.0004498 | −0.01% | −19.56% | −45.59% | $209,121.70 | $459,800.00 | $958.24 | |||
3934 BXX 3934Baanx | $0.0008494 | 5.12% | 25.38% | −17.31% | $209,984.45 | $212,350.00 | $189.64 | |||
4199 LIQ 4199LIQUIDIUM•TOKEN (Runes) | $0.007648 | 2.98% | 9.90% | 3.07% | $166,934.89 | $764,800.00 | $1,150.61 | |||
4214 NOTE 4214Notional Finance | $0.002661 | 2.29% | 3.08% | −40.82% | $164,940.33 | $265,911.41 | $0.070175 | |||
4245 UFT 4245UniLend Finance [OLD] | $0.00161 | −71.24% | 19.71% | −16.42% | $161,000.00 | $161,000.00 | $3.26 | |||
4430 PLY 4430Aurigami | $0.00003338 | −0.89% | −6.63% | −19.25% | $137,751.35 | $333,800.00 | $61.88 | |||
4587 UFI 4587PureFi | $0.002053 | 42.02% | −9.01% | −41.74% | $119,942.07 | $205,300.00 | $9.79 | |||
4742 STRIKE 4742Strike | $0.01858 | 6.80% | 34.87% | −14.82% | $105,678.71 | $121,529.69 | $82.31 | |||
4950 ALPACA 4950Alpaca Finance | $0.0005949 | 1.75% | −4.85% | −22.05% | $90,227.67 | $90,227.67 | $121.26 | |||
5200 PRIME 5200DeltaPrime | $0.006886 | −2.98% | 0.76% | −63.98% | $74,356.34 | $275,440.00 | $4.89 | |||
5354 ZERO 5354ZeroLend | $0.0₅78 | 5.48% | 9.44% | 6.81% | $65,098.69 | $78,000.00 | $30.79 | |||
5481 SILO 5481Silo Finance [OLD] | $0.0007175 | 4.55% | −15.81% | −20.94% | $59,082.04 | $660,209.32 | $1.07 | |||
5592 TIME 5592Timeswap | $0.0001576 | 0.04% | 0.04% | −24.88% | $55,160.00 | $275,800.00 | $19.64 | |||
5660 UWU 5660UwU Lend | $0.004736 | 4.43% | 34.30% | 19.61% | $52,132.42 | $75,776.00 | $105.75 | |||
6131 DUCK 6131Unit Protocol | $0.00007809 | −5.77% | −9.50% | −29.45% | $36,934.12 | $79,565.32 | $23.39 | |||
6181 ORION 6181Orion Money | $0.000373 | 7.59% | 9.42% | −19.97% | $35,435.25 | $373,000.00 | $333.31 | |||
6517 FOREX 6517handle.fi | $0.0001523 | 6.72% | −33.33% | −59.80% | $28,128.72 | $63,965.99 | $16.84 | |||
6637 PORT 6637Port Finance | $0.000808 | −2.13% | 2.63% | −49.86% | $25,985.55 | $81,010.00 | $1,979.90 | |||
6698 SYNC 6698Sync Network | $0.0001173 | 4.36% | 5.18% | −9.95% | $24,756.83 | $27,651.58 | $3.36 | |||
7323 RABBIT 7323Rabbit Finance | $0.0001428 | 0.51% | −2.91% | −6.79% | $15,200.98 | $28,988.40 | $48.94 | |||
7763 CPD 7763CoinsPaid | $0.0001158 | 2.40% | −0.37% | −15.56% | $10,747.26 | $92,640.00 | $21.77 | |||
7913 MELD 7913MELD [OLD] | $0.00000644 | 4.31% | 7.94% | 28.63% | $9,543.65 | $25,760.00 | $6.88 | |||
8128 CLAWAPI 8128ClawAPIs | $0.00000795 | 0.25% | −8.09% | −25.35% | $7,948.74 | $7,948.74 | $8.64 | |||
8293 MORE 8293 More | $0.000103 | −1.45% | −20.40% | −20.40% | $7,022.35 | $103,000.00 | $1.91 | |||
8365 HIFI 8365Hifi Finance | $0.00003956 | −82.20% | −97.01% | −97.55% | $6,605.88 | $6,605.88 | $366.57 | |||
8500 APRT 8500Apricot | $0.00003484 | 0.05% | 0.21% | −5.28% | $5,731.17 | $34,840.00 | $0.5025 | |||
8507 BANX 8507BANX | $0.0₅38 | −24.79% | −19.02% | −26.90% | $5,698.07 | $5,700.00 | $7.31 | |||
8699 LIGHT 8699Lightbringer | $0.00000436 | 5.95% | 3.79% | −21.08% | $4,360.00 | $4,360.00 | $1.41 | |||
9051 ARCH 9051Archimedes Finance | $0.01581 | 3.91% | 0.17% | −12.69% | $1,533.95 | $1.58 M | $4.42 | |||
9084 OPEN 9084OPEN Governance Token | $0.00009948 | −5.65% | −5.65% | 127.03% | $1,154.10 | $9,948.00 | $2.38 | |||
9305 EZ 9305EasyFi V2 | $0.001058 | 224.01% | −50.74% | 571.05% | -- | $10,580.00 | $122.10 | |||
9403 STEEL 9403Steel | $0.0007572 | 0.87% | −3.42% | −9.87% | -- | $36,203.18 | $2.98 | |||
9719 QBT 9719Qubit | $0.00006809 | 3.58% | −11.88% | −20.41% | -- | $68,090.00 | $1.04 | |||
9756 PRT 9756Parrot Protocol | $0.00003656 | 0.11% | −10.66% | 6.03% | -- | $81,602.40 | $1.44 | |||
9782 AVAI 9782Orca AVAI | $0.4154 | 0.01% | −3.48% | −3.04% | -- | $912,349.60 | $10.60 | |||
10046 TRUSTNFT 10046TrustNFT | $0.00004685 | −0.20% | −11.02% | −42.51% | -- | $46,850.00 | $100.40 |
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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.