Aave vs Maple Finance

Aave4.0/5

VS

Maple Finance4.0/5

Feature	AaveVisit	Maple FinanceVisit
Ratings
Our score	4.0/5	4.0/5
User rating	No reviews yet	No reviews yet
Security & track record	3.5	4.5
Rates	3.5	4.0
Market depth	5.0	4.5
Ease of use	3.5	3.5
Decentralization	4.5	3.0
Specs
KYC required	No	Yes
Lending model	Pooled	Pooled
Chains	Ethereum, Base, Arbitrum, Avalanche, BNB Chain, Other	Ethereum
Main collateral assets	USDC, USDT, WETH, wBTC, LINK, wstETH, cbBTC, GHO, AAVE, ETH-correlated assets	USDC, USDT, BTC
Flash loans	Yes	Not disclosed
Permissionless markets	No	No
Audited	Yes	Yes
Bug bounty	Yes	Not disclosed
Governance token	AAVE	SYRUP
Isolated markets	Yes	Yes
Real-world-asset collateral	Yes	Yes
Own stablecoin	Yes	No
Rates	Variable	Not disclosed
Company
Founded	2017	2019
Headquarters	Finland	—
Investors	Blockchain Capital, Framework Ventures, Standard Crypto	BlockTower Capital, Tioga Capital, Framework Ventures, Polychain Capital +13
Strengths and weaknesses
Pros	$18.006B combined TVL in October 2026 Operates across 23 blockchain networks Non-custodial wallet-based access V3 includes Isolation Mode and Efficiency Mode	Over $4.6B in assets under management backed by overcollateralized loans Maple monitors smart contract invariants every block Processed over $800M in redemptions within 72 hours during the rsETH exploit Regular SYRUP token buybacks funded directly by protocol cash flow
Cons	Variable borrowing rates can rise with market utilisation Liquidation can sell collateral after health-factor deterioration Smart contract and oracle risks remain Collateral depends on external bridges and asset issuers	Liquid yield products exclude US residents and entities Borrowing requires offchain compliance and institutional underwriting approval Returns depend on institutional counterparty solvency rather than instant liquidations
Best for	Multi-chain DeFi borrowers, Collateralised crypto lending, Stablecoin liquidity strategies	Non-US stablecoin yield seekers, Institutions seeking secured onchain credit, DeFi treasuries allocating to real yields

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