Lending Platform
0.20%
0.01%Perubahan 24 jam
Perubahan 7 hari
| Grafik 7h | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
37 AAVE 37Aave | $161.22 | 7.60% | −4.53% | 32.29% | $2.49 B | $2.58 B | $160.62 M | |||
51 MORPHO 51Morpho | $2.45 | 7.53% | 2.80% | 17.06% | $1.72 B | $2.46 B | $11.05 M | |||
135 SYRUP 135Maple Finance | $0.2111 | 4.47% | −9.96% | 4.89% | $251.42 M | $261.63 M | $11.84 M | |||
146 KMNO 146Kamino | $0.03914 | 17.21% | 9.07% | 56.63% | $225.67 M | $392.40 M | $14.68 M | |||
147 COMP 147Compound | $22.54 | 3.55% | −4.62% | 18.80% | $225.40 M | $225.30 M | $13.26 M | |||
219 CAP 219CAP | $0.07303 | −5.44% | 0.50% | 23.85% | $113.93 M | $730.30 M | $7.74 M | |||
237 PROM 237Prom | $5.54 | 11.67% | 4.01% | 0.60% | $101.21 M | $106.65 M | $5.54 M | |||
262 WEFI 262Wefi | $2.04 | 0.49% | 0.47% | 1.49% | $85.44 M | $204.00 M | $1.47 M | |||
371 XVS 371Venus | $3.10 | 4.38% | −0.22% | 6.16% | $50.99 M | $93.00 M | $1.22 M | |||
498 FOLKS 498Folks | $1.93 | 1.32% | −15.41% | −5.29% | $34.87 M | $96.75 M | $430,158.89 | |||
551 LISTA 551Lista DAO | $0.0772 | 5.47% | −2.78% | 8.00% | $33.20 M | $61.24 M | $1.89 M | |||
586 COINDEPO 586COINDEPO | $0.1175 | 2.16% | 2.84% | 12.78% | $29.43 M | $121.20 M | $1.69 M | |||
588 EUL 588Euler | $1.25 | 5.25% | −9.44% | −1.47% | $30.26 M | $34.22 M | $1.33 M | |||
641 ZEST 641Zest Protocol | $0.1816 | 1.13% | −4.60% | 40.19% | $26.52 M | $181.30 M | $3.47 M | |||
643 DEBIT 643Teller | $1.53 | 4.08% | −16.02% | −33.19% | $26.35 M | $153.00 M | $41.27 M | |||
731 BSB 731Block Street | $0.08905 | 6.90% | −9.24% | −2.23% | $21.04 M | $88.95 M | $2.72 M | |||
751 SLND 751Solend | $0.2004 | 0.85% | −0.90% | −8.34% | $20.04 M | $20.04 M | $24.41 | |||
760 LQTY 760Liquity | $0.2056 | 4.50% | −10.14% | 0.46% | $19.81 M | $20.57 M | $1.02 M | |||
898 DINERO 898Dinero | $0.01176 | 14.69% | 8.64% | 0.64% | $14.85 M | $14.85 M | $6.13 | |||
989 CLO 989Yei Finance | $0.04843 | 2.66% | −20.78% | −37.17% | $12.49 M | $12.29 M | $2.09 M | |||
1074 EVAA 1074EVAA Protocol | $0.5991 | 4.62% | −10.51% | 30.73% | $10.70 M | $29.97 M | $2.51 M | |||
1126 WELL 1126Moonwell | $0.002138 | 8.38% | −4.36% | 15.99% | $9.68 M | $10.69 M | $498,050.27 | |||
1168 NAVX 1168NAVI Protocol | $0.011077 | 6.38% | −4.82% | 30.56% | $9.04 M | $11.10 M | $214,474.51 | |||
1199 SAVE 1199Save | $0.1872 | 3.37% | 0.93% | −11.41% | $8.55 M | $9.36 M | $0.2049 | |||
1200 SOIL 1200Soil | $0.1121 | −0.01% | 5.88% | 16.95% | $8.52 M | $11.14 M | $66,167.13 | |||
1214 INV 1214Inverse Finance | $11.50 | 1.75% | 12.41% | 35.68% | $8.33 M | $8.36 M | $48,694.77 | |||
1328 KSKD 1328Kaskad | $0.006838 | 44.11% | 36.85% | 458.94% | $6.84 M | $6.84 M | $710,642.00 | |||
1334 ALCX 1334Alchemix | $2.55 | 2.98% | 0.90% | 23.04% | $6.73 M | $6.96 M | $161,910.24 | |||
1347 LQ 1347Liqwid Finance | $0.3217 | 7.33% | −4.03% | 30.37% | $6.48 M | $6.76 M | $1,508.53 | |||
1381 GEAR 1381Gearbox Protocol | $0.0006065 | 1.89% | 1.59% | 83.47% | $6.07 M | $6.07 M | $3,014.59 | |||
1392 BOW 1392Longbow | $0.005943 | 19.95% | 66.54% | 5.21% | $5.94 M | $5.94 M | $197,794.16 | |||
1417 GROVE 1417Grove Finance | $0.006641 | −0.51% | −10.82% | −15.26% | $5.65 M | $66.41 M | $495,413.38 | |||
1420 PACT 1420PACT | $0.0001559 | −4.11% | −4.06% | 0.86% | $5.62 M | $19.49 M | $23,208.88 | |||
1665 SEND 1665Suilend | $0.05136 | 2.17% | −6.86% | 2.21% | $3.88 M | $5.14 M | $307.42 | |||
1697 GFI 1697Goldfinch | $0.03834 | 7.88% | 2.38% | 44.08% | $3.65 M | $4.38 M | $69,054.81 | |||
1729 AVL 1729Avalon | $0.02124 | −8.65% | 4.72% | 0.28% | $3.43 M | $3.45 M | $2.77 M | |||
1755 NLS 1755Nolus | $0.003686 | −0.22% | −0.24% | 2.87% | $3.28 M | $3.41 M | $60,138.20 | |||
1826 HPL 1826HyperLend | $0.009269 | 0.35% | −17.07% | −11.04% | $2.94 M | $9.27 M | $14,721.21 | |||
1843 EXTRA 1843Extra Finance | $0.005869 | 3.27% | −9.43% | 32.93% | $2.86 M | $5.87 M | $1,550.62 | |||
1909 RAMP 1909RAMP [OLD] | $0.02133 | 3.59% | −17.02% | 0.90% | $2.59 M | $2.59 M | $197.07 | |||
1985 RWA 1985ALLO | $0.001264 | 1.69% | −1.44% | −4.16% | $2.28 M | $12.63 M | $213,851.53 | |||
2038 TAROT 2038Tarot | $0.03077 | 5.33% | 1.99% | 9.46% | $2.08 M | $3.08 M | $10,691.90 | |||
2117 SPECTRA 2117Spectra | $0.003878 | −1.66% | −15.04% | −8.18% | $1.86 M | $1.71 M | $2,595.09 | |||
2198 MPL 2198Maple | $0.3756 | 3.34% | 3.45% | 0.40% | $1.66 M | $3.76 M | $6.38 | |||
2294 BETA 2294Beta Finance | $0.001464 | 2.22% | −5.63% | −71.30% | $1.46 M | $1.46 M | $1.52 | |||
2448 CREAM 2448Cream | $0.438 | −0.15% | −0.86% | 8.11% | $1.24 M | $1.28 M | $734.18 | |||
2452 TMX 2452TermMax | $0.00807 | −0.39% | −28.67% | −66.41% | $1.23 M | $8.09 M | $424,500.92 | |||
2463 SCA 2463Scallop.io | $0.006934 | 12.08% | 38.42% | 66.66% | $1.21 M | $1.73 M | $60,057.00 | |||
2540 TRU 2540TrueFi | $0.000872 | 0.03% | −4.05% | −3.25% | $1.08 M | $1.10 M | $10,014.45 | |||
2762 QI 2762Qi Dao | $0.006054 | 9.25% | 2.63% | 5.04% | $837,558.72 | $1.21 M | $65.45 | |||
2774 KAR 2774Karura | $0.007097 | 663.22% | 588.42% | 642.47% | $827,983.28 | $1.14 M | $6,107.63 | |||
2776 8LNDS 27768lends | $0.01868 | −0.21% | −1.30% | −2.99% | $826,707.39 | $1.87 M | $7,966.14 | |||
2798 RDNT 2798Radiant Capital | $0.000561 | −2.09% | −7.97% | 7.63% | $806,270.87 | $840,124.47 | $71,519.20 | |||
3000 ELON 3000Echelon | $0.04839 | −9.77% | −9.74% | 5.60% | $653,265.00 | $4.84 M | $1,281.07 | |||
3007 HTM 3007Hatom | $0.03881 | 10.37% | 12.56% | 38.50% | $646,864.00 | $3.88 M | $28,112.00 | |||
3149 CREDI 3149Credefi | $0.0007475 | 1.89% | 40.48% | 66.45% | $559,558.97 | $747,400.00 | $39,426.95 | |||
3196 TAROT 3196Tarot V1 | $0.007894 | 2.72% | 2.61% | −7.33% | $534,423.80 | $789,400.00 | $4.01 | |||
3252 NSTR 3252Nostra | $0.004987 | 3.53% | −1.77% | −16.04% | $498,700.00 | $498,700.00 | $662.33 | |||
3281 SEAM 3281Seamless | $0.01186 | 2.26% | 1.29% | −5.23% | $482,535.90 | $1.19 M | $111.26 | |||
3436 BLND 3436Blend | $0.006115 | 5.48% | −9.15% | 43.39% | $410,566.29 | $410,566.29 | $2,610.69 | |||
3494 DUCK 3494Unit Protocol | $0.0008209 | 3.11% | −14.63% | 789.40% | $388,259.99 | $836,408.98 | $6.21 | |||
3525 BNC 3525Bifrost | $0.009975 | −22.34% | 3.58% | 8.01% | $373,906.65 | $805,600.00 | $244,982.75 | |||
3709 HIFI 3709Hifi Finance | $0.00225 | 20.57% | 3.58% | 43.40% | $319,463.66 | $319,463.66 | $5,628.56 | |||
3747 BLB 3747Blueberry | $0.001029 | 8.47% | 43.90% | 69.13% | $308,064.79 | $1.03 M | $617.51 | |||
3781 BIFI 3781Bifrost Finance | $0.0006363 | 3.64% | −9.84% | −24.91% | $297,399.99 | $636,300.00 | $2,796.89 | |||
3824 SMARTCREDIT 3824SmartCredit Token | $0.127 | 3.39% | 0.43% | −4.12% | $285,954.24 | $3.18 M | $1.72 | |||
3859 PINE 3859Pine | $0.001393 | 1.07% | −23.09% | −22.32% | $278,007.97 | $278,600.00 | $191.93 | |||
3966 NOTE 3966Notional Finance | $0.004075 | −2.24% | −9.96% | −31.29% | $252,586.20 | $407,211.20 | $0.1028 | |||
4137 CEL 4137Celsius Network | $0.005787 | 2.29% | −1.25% | 33.39% | $218,286.28 | $218,286.28 | $133.00 | |||
4198 BXX 4198Baanx | $0.000837 | 3.90% | −11.75% | −13.92% | $206,918.99 | $209,250.00 | $362.62 | |||
4327 UFI 4327PureFi | $0.003194 | 1.85% | −3.21% | −28.61% | $186,602.52 | $319,400.00 | $80.86 | |||
4409 PLY 4409Aurigami | $0.00004273 | 12.03% | 6.77% | 100.37% | $176,336.58 | $427,300.00 | $142.72 | |||
4667 UFT 4667UniLend Finance [OLD] | $0.001424 | 2.91% | −19.23% | −28.15% | $142,400.00 | $142,400.00 | $3.51 | |||
4920 LIQ 4920LIQUIDIUM•TOKEN (Runes) | $0.005354 | −0.41% | 21.77% | −64.89% | $116,863.15 | $535,400.00 | $393.03 | |||
4974 PRIME 4974DeltaPrime | $0.01033 | −14.56% | 59.12% | −51.78% | $111,545.32 | $413,200.00 | $150.31 | |||
5008 ALPACA 5008Alpaca Finance | $0.0007133 | 2.48% | 0.66% | −5.85% | $108,185.24 | $108,185.24 | $251.07 | |||
5335 STRIKE 5335Strike | $0.01512 | −6.63% | 2.97% | −42.06% | $85,978.56 | $98,898.22 | $17.76 | |||
5518 SILO 5518Silo Finance [OLD] | $0.0009019 | 3.45% | −1.14% | 1.80% | $74,266.33 | $829,885.42 | $6.90 | |||
5848 ZERO 5848ZeroLend | $0.0000007 | 4.50% | −1.25% | 6.16% | $58,421.12 | $70,000.00 | $1.13 | |||
6078 PORT 6078Port Finance | $0.001535 | −3.29% | −18.34% | −18.23% | $49,366.50 | $153,500.00 | $799.04 | |||
6333 UWU 6333UwU Lend | $0.003738 | −1.08% | −11.36% | −3.64% | $41,146.75 | $59,808.00 | $5.65 | |||
6430 ORION 6430Orion Money | $0.0004054 | 4.50% | −8.51% | −30.97% | $38,513.27 | $405,400.00 | $86.91 | |||
6515 FOREX 6515handle.fi | $0.0002088 | −39.08% | −42.35% | −68.65% | $38,563.87 | $82,572.00 | $536.05 | |||
7117 HAT 7117Joe Hat | $161.20 | 4.80% | −11.37% | 12.88% | $23,696.39 | $23,696.39 | $16.70 | |||
7666 RABBIT 7666Rabbit Finance | $0.0001463 | 1.17% | −0.91% | −2.79% | $15,573.56 | $29,698.90 | $33.87 | |||
8099 CPD 8099CoinsPaid | $0.0001232 | 0.93% | −4.34% | −6.20% | $11,434.05 | $98,560.00 | $120.67 | |||
8416 CLAWAPI 8416ClawAPIs | $0.00000911 | 3.52% | −8.72% | 12.61% | $9,108.57 | $9,108.57 | $3.25 | |||
8963 APRT 8963Apricot | $0.00003573 | 1.00% | −3.46% | 7.98% | $5,877.58 | $35,730.00 | $9.17 | |||
9175 BANX 9175BANX | $0.0₅32 | −0.26% | −42.27% | −30.69% | $4,798.38 | $4,800.00 | $0.011027 | |||
9180 AGENTBANK 9180AgentBank x402 Protocol | $0.00000478 | 0.00% | −39.11% | −7.18% | $4,765.73 | $4,765.73 | $9.66 | |||
9193 LIGHT 9193Lightbringer | $0.0000047 | 3.65% | −2.21% | −99.64% | $4,700.00 | $4,700.00 | $39.76 | |||
9585 ARCH 9585Archimedes Finance | $0.016 | 0.54% | −4.98% | −0.72% | $1,552.38 | $1.60 M | $1.48 | |||
9849 EZ 9849EasyFi V2 | $0.0001535 | −2.28% | −2.28% | −23.94% | -- | $1,535.00 | $3.01 | |||
9936 STEEL 9936Steel | $0.0007736 | 0.54% | −2.53% | −0.02% | -- | $36,987.30 | $10.52 | |||
10224 QBT 10224Qubit | $0.00007797 | 0.00% | −3.60% | −9.23% | -- | $77,970.00 | $69.27 | |||
10260 PRT 10260Parrot Protocol | $0.00003408 | 1.82% | −1.86% | 12.55% | -- | $76,067.01 | $0.5859 | |||
10282 AVAI 10282Orca AVAI | $0.4411 | 0.47% | 1.00% | 7.22% | -- | $968,794.92 | $7.90 | |||
10647 AVAT 10647AVATA Network | $0.00003719 | 0.00% | 0.00% | 19.13% | -- | $3,090.63 | $0.67 | |||
10832 ABEL 10832ABEL Finance | $0.004442 | 0.02% | 0.02% | −0.02% | -- | $2,966.56 | $16,532.44 | |||
10997 PHIAT 10997Phiat Protocol | $0.003974 | 9.81% | −24.43% | −65.99% | -- | $200,660.94 | $55.73 |
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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.