For the most up-to-date information, please see:

<a href="https://eco.com/support/en/articles/15254000-best-defi-lending-protocols-2026-tvl-rates-risk-compared"><b>Best DeFi Lending Protocols 2026: TVL, Rates, Risk Compared</b></a>

Aave V3, Morpho Blue, Spark, and Fluid compared by TVL, USDC and USDT supply APY, audits, governance tokens, and risk parameters (LLTV, oracles). May 2026.

Aave vs Morpho vs Spark vs Fluid 2026: Lending Protocol Comparison

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Aave vs Morpho vs Spark vs Fluid 2026: Lending Protocol Comparison

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