Lending Platform
0.16%
0.00%Perubahan 24 jam
Perubahan 7 hari
| Grafik 7h | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
44 AAVE 44Aave | $86.77 | −0.09% | −5.55% | −6.34% | $1.34 B | $1.39 B | $43.21 M | |||
45 MORPHO 45Morpho | $2.00 | 2.56% | 4.17% | −1.84% | $1.31 B | $2.00 B | $10.86 M | |||
132 SYRUP 132Maple Finance | $0.1626 | 3.09% | 6.78% | −12.35% | $194.13 M | $202.88 M | $13.45 M | |||
148 COMP 148Compound | $16.24 | 0.56% | −2.64% | −6.69% | $162.40 M | $162.40 M | $7.54 M | |||
198 CAP 198CAP | $0.06872 | 3.05% | 75.61% | 291.36% | $107.20 M | $687.20 M | $50.55 M | |||
212 KMNO 212Kamino | $0.01792 | −2.12% | 0.61% | −1.24% | $95.22 M | $179.20 M | $1.72 M | |||
232 WEFI 232Wefi | $2.05 | −0.97% | 0.00% | −1.44% | $85.86 M | $205.00 M | $689,461.00 | |||
371 XVS 371Venus | $2.73 | 0.74% | −2.85% | 0.00% | $44.58 M | $81.60 M | $1.46 M | |||
422 PROM 422Prom | $2.12 | −4.96% | −4.67% | 55.08% | $38.40 M | $40.50 M | $7.56 M | |||
532 BSB 532Block Street | $0.1285 | 6.87% | −14.52% | −4.19% | $30.53 M | $129.20 M | $6.37 M | |||
559 COINDEPO 559COINDEPO | $0.1117 | 0.01% | 0.08% | 31.77% | $27.99 M | $111.80 M | $836,481.64 | |||
571 EUL 571Euler | $1.15 | −2.36% | −2.85% | 13.94% | $27.55 M | $31.18 M | $1.52 M | |||
614 LISTA 614Lista DAO | $0.0581 | −1.35% | −7.27% | 21.12% | $24.70 M | $46.03 M | $725,810.27 | |||
652 FOLKS 652Folks | $1.84 | −4.89% | 0.12% | −9.93% | $22.54 M | $92.40 M | $323,290.74 | |||
672 ZEST 672Zest Protocol | $0.1469 | 0.05% | −5.19% | −32.54% | $21.46 M | $147.00 M | $1.17 M | |||
723 LQTY 723Liquity | $0.1978 | −1.30% | 0.85% | 18.74% | $19.04 M | $19.78 M | $1.07 M | |||
812 DINERO 812Dinero | $0.01261 | −0.01% | −0.03% | 5.95% | $15.92 M | $15.92 M | $8.11 | |||
823 SLND 823Solend | $0.156 | −1.06% | −1.33% | 22.38% | $15.60 M | $15.60 M | $10.56 | |||
843 CLO 843Yei Finance | $0.1161 | 0.09% | −8.67% | −36.62% | $14.96 M | $115.90 M | $1.39 M | |||
885 EVAA 885EVAA Protocol | $0.7628 | −0.19% | −13.09% | −27.72% | $13.63 M | $38.17 M | $486,979.33 | |||
928 WELL 928Moonwell | $0.00283 | 1.16% | −6.68% | −19.76% | $12.82 M | $14.15 M | $109,557.00 | |||
1234 SAVE 1234Save | $0.1523 | −0.43% | −2.02% | 27.25% | $6.95 M | $7.62 M | $0.67 | |||
1235 SOIL 1235Soil | $0.09319 | −0.29% | −11.33% | 26.69% | $6.93 M | $9.24 M | $31,660.17 | |||
1285 INV 1285Inverse Finance | $8.50 | 0.12% | −4.37% | −16.28% | $6.15 M | $6.18 M | $1.52 M | |||
1332 NAVX 1332NAVI Protocol | $0.007035 | −0.24% | −7.90% | −2.94% | $5.74 M | $7.03 M | $156,514.44 | |||
1348 PACT 1348PACT | $0.000168 | 31.17% | 54.47% | 21.06% | $5.56 M | $21.00 M | $27,956.97 | |||
1358 BETA 1358Beta Finance | $0.005437 | 11.95% | −3.42% | −6.95% | $5.44 M | $5.44 M | $90.62 | |||
1397 GROVE 1397Grove Finance | $0.007998 | 0.11% | −8.43% | −42.05% | $5.12 M | $79.98 M | $185,384.12 | |||
1415 ALCX 1415Alchemix | $1.95 | 0.00% | −0.61% | −6.15% | $4.93 M | $5.25 M | $78,507.00 | |||
1518 BANX 1518BANX | $0.000275 | −7.21% | 84994.31% | 31127.54% | $4.12 M | $4.13 M | $2,338.70 | |||
1584 SEND 1584Suilend | $0.04933 | −1.29% | −3.17% | −3.66% | $3.65 M | $4.93 M | $684.93 | |||
1610 LQ 1610Liqwid Finance | $0.174 | −1.80% | −2.63% | −6.95% | $3.50 M | $3.65 M | $277.20 | |||
1667 GEAR 1667Gearbox Protocol | $0.0003141 | −2.11% | −8.44% | −35.74% | $3.14 M | $3.14 M | $2,446.10 | |||
1703 HPL 1703HyperLend | $0.009411 | −0.14% | −7.54% | −33.01% | $2.99 M | $9.41 M | $2,866.18 | |||
1741 GFI 1741Goldfinch | $0.02992 | −3.15% | −4.46% | −31.17% | $2.80 M | $3.43 M | $111,027.28 | |||
1746 BLND 1746Blend | $0.04144 | −3.16% | 0.09% | 5.27% | $2.78 M | $2.78 M | $7,828.94 | |||
1783 AVL 1783Avalon | $0.01608 | −1.25% | −8.44% | −28.51% | $2.60 M | $2.61 M | $121,100.30 | |||
1919 RAMP 1919RAMP [OLD] | $0.01717 | −0.06% | −34.52% | 0.37% | $2.09 M | $2.09 M | $17.34 | |||
1928 RWA 1928ALLO | $0.001149 | −0.60% | −0.01% | −2.79% | $2.07 M | $11.48 M | $219,517.30 | |||
2025 NLS 2025Nolus | $0.002036 | −2.49% | −2.44% | 69.72% | $1.80 M | $1.88 M | $54,003.30 | |||
2044 TAROT 2044Tarot | $0.02567 | −0.69% | −3.79% | −16.37% | $1.74 M | $2.57 M | $194.80 | |||
2053 EXTRA 2053Extra Finance | $0.003831 | −0.13% | −10.82% | −24.21% | $1.72 M | $3.83 M | $155.32 | |||
2188 SPECTRA 2188Spectra | $0.003091 | 2.97% | 2.29% | 6.46% | $1.46 M | $1.36 M | $3,139.22 | |||
2309 TRU 2309TrueFi | $0.001011 | −4.71% | 23.00% | 65.27% | $1.26 M | $1.27 M | $16,937.84 | |||
2319 CREAM 2319Cream | $0.4225 | 0.24% | −3.37% | −9.14% | $1.24 M | $1.24 M | $2.92 | |||
2615 ELON 2615Echelon | $0.06343 | −1.99% | −3.11% | 21.90% | $855,765.00 | $6.34 M | $93,125.89 | |||
2694 8LNDS 26948lends | $0.01679 | −6.14% | −4.54% | −4.94% | $777,284.18 | $1.68 M | $14,377.36 | |||
2787 QI 2787Qi Dao | $0.005026 | −3.20% | −2.47% | −99.96% | $695,336.99 | $1.01 M | $56.01 | |||
2829 SCA 2829Scallop.io | $0.00411 | −9.33% | −36.93% | −54.52% | $667,428.35 | $1.03 M | $195,116.00 | |||
2984 RDNT 2984Radiant Capital | $0.0003913 | 0.54% | −7.79% | −31.39% | $562,268.86 | $586,932.16 | $6,100.55 | |||
3014 BXX 3014Baanx | $0.002198 | 0.16% | −27.56% | −33.79% | $543,378.66 | $549,500.00 | $149.92 | |||
3017 BNC 3017Bifrost | $0.014499 | 0.03% | −3.33% | −5.49% | $542,398.92 | $1.16 M | $416,590.00 | |||
3020 NSTR 3020Nostra | $0.005403 | −0.69% | −2.03% | −3.43% | $540,300.00 | $540,300.00 | $3.00 | |||
3278 CREDI 3278Credefi | $0.0005386 | 1.23% | 7.08% | −0.94% | $403,631.03 | $539,200.00 | $11,691.98 | |||
3279 CEL 3279Celsius Network | $0.0107 | −4.65% | −6.72% | −18.26% | $403,605.18 | $403,605.18 | $2,647.24 | |||
3399 SEAM 3399Seamless | $0.008847 | −44.56% | −42.02% | −69.26% | $359,948.99 | $884,700.00 | $9,993.42 | |||
3409 PINE 3409Pine | $0.001782 | −1.04% | −1.05% | −1.80% | $355,642.64 | $356,400.00 | $46.01 | |||
3470 NOTE 3470Notional Finance | $0.005415 | −1.37% | −1.95% | −17.87% | $335,645.22 | $541,116.23 | $6.83 | |||
3729 PRIME 3729DeltaPrime | $0.02487 | 8.41% | −21.75% | −55.21% | $261,502.35 | $994,800.00 | $30.15 | |||
3754 HTM 3754Hatom | $0.01538 | −1.85% | −0.41% | 2.53% | $256,345.48 | $1.54 M | $413.34 | |||
3843 BIFI 3843Bifrost Finance | $0.0004868 | −1.00% | −26.59% | −73.00% | $235,733.18 | $486,800.00 | $145.02 | |||
3975 UFI 3975PureFi | $0.003564 | 0.66% | −2.61% | −7.46% | $208,218.96 | $356,400.00 | $58.76 | |||
3987 HIFI 3987Hifi Finance | $0.001455 | 7.65% | 6.95% | −8.09% | $206,586.50 | $206,586.50 | $38.08 | |||
4070 LIQ 4070LIQUIDIUM•TOKEN (Runes) | $0.008801 | −0.90% | 0.00% | −2.31% | $192,101.72 | $880,100.00 | $135.42 | |||
4249 FOREX 4249handle.fi | $0.0008864 | −10.83% | −11.43% | −72.24% | $163,711.76 | $372,288.00 | $1,110.64 | |||
4841 KSKD 4841Kaskad | $0.001397 | −3.32% | −0.02% | −24.37% | $97,677.59 | $1.40 M | $33,149.00 | |||
4851 ALPACA 4851Alpaca Finance | $0.0006381 | 0.21% | 0.66% | 27.66% | $96,779.76 | $96,779.76 | $326.50 | |||
4906 PORT 4906Port Finance | $0.002912 | −3.64% | −5.56% | −27.20% | $93,651.87 | $291,200.00 | $33.10 | |||
5079 KAR 5079Karura | $0.0006968 | −2.23% | −77.99% | −28.95% | $81,293.32 | $111,488.00 | $645.50 | |||
5361 PLY 5361Aurigami | $0.00001558 | 0.00% | −0.64% | −18.22% | $64,294.96 | $155,800.00 | $6.88 | |||
5541 ORION 5541Orion Money | $0.0005886 | 1.51% | −11.97% | −26.85% | $55,917.39 | $588,600.00 | $43.67 | |||
5711 YLD 5711Yield | $0.2595 | −0.09% | 3.87% | 27.47% | $47,938.54 | $8,154.30 | $10.18 | |||
5743 ZERO 5743ZeroLend | $0.0₅56 | −0.82% | −7.00% | −6.70% | $46,720.27 | $56,000.00 | $4.64 | |||
5781 PIE 5781DeFiPie | $0.001268 | 1.18% | 0.64% | −0.98% | $45,120.47 | $278,960.00 | $3.91 | |||
6153 UWU 6153UwU Lend | $0.003014 | 0.23% | −2.06% | −15.32% | $33,177.18 | $48,224.00 | $2.18 | |||
7168 RABBIT 7168Rabbit Finance | $0.0001382 | −0.54% | −0.41% | −1.22% | $14,711.31 | $28,054.60 | $8.77 | |||
7997 CLAWAPI 7997ClawAPIs | $0.00000699 | 0.00% | −79.71% | −48.45% | $6,989.54 | $6,989.54 | $107.52 | |||
8593 YALA 8593Yala | $0.00001158 | −3.58% | −76.56% | −96.28% | $3,475.89 | $11,565.97 | $7.43 | |||
9331 QBT 9331Qubit | $0.00007137 | −0.40% | 2.40% | 5.34% | -- | $71,370.00 | $42.97 | |||
9362 PRT 9362Parrot Protocol | $0.00002269 | −0.47% | −0.02% | −20.31% | -- | $50,644.38 | $0.1654 | |||
9376 AVAI 9376Orca AVAI | $0.4068 | 0.39% | −1.21% | −5.54% | -- | $893,461.29 | $8.44 | |||
9627 AVAT 9627AVATA Network | $0.00003869 | −1.95% | −1.38% | −1.50% | -- | $3,215.29 | $0.29 | |||
9786 ABEL 9786ABEL Finance | $0.004441 | 0.03% | 0.04% | 0.02% | -- | $2,965.89 | $16,358.52 | |||
9944 LEND 9944Lendle | $0.0002311 | −5.41% | −33.86% | −35.57% | -- | $23,110.00 | $21.95 | |||
9949 PHIAT 9949Phiat Protocol | $0.0117 | −3.97% | 1.75% | 65.95% | -- | $590,773.28 | $136.77 | |||
10055 LOAN 10055Liquid Loans | $0.0₅88 | 4.14% | 81.69% | 432.43% | -- | $4.84 M | $11,958.18 | |||
10088 WEFT 10088Weft Finance | $0.0005499 | 0.79% | 3.01% | 15.95% | -- | $54,990.00 | $4.75 | |||
10137 FLDT 10137FluidTokens | $0.04042 | −1.87% | −10.87% | 2.20% | -- | $4.04 M | $684.39 | |||
10293 SHARK 10293Sharky | $0.000822 | −1.24% | −6.76% | 8.78% | -- | $82,200.00 | $171.46 | |||
10476 LLAMA 10476Llama | $0.003291 | 0.00% | −2.28% | 68.60% | -- | $329,100.00 | $21.15 | |||
10834 HORIZON 10834Horizon | $1.34 | −2.90% | −6.94% | −17.07% | -- | $1.34 B | $87.88 | |||
10844 IZKY 10844IZKY | $0.00003145 | 0.99% | −0.22% | 11.19% | -- | $31.45 M | $22,123.00 |
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.