Aave vs NAVI Protocol

Aave4.0/5

VS

NAVI Protocol4.0/5

Feature	AaveVisit	NAVI ProtocolVisit
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	4.0
Ease of use	3.5	4.0
Decentralization	4.5	3.5
Specs
KYC required	No	No
Lending model	Pooled	Pooled
Chains	Ethereum, Base, Arbitrum, Avalanche, BNB Chain, Other	Sui
Main collateral assets	USDC, USDT, WETH, wBTC, LINK, wstETH, cbBTC, GHO, AAVE, ETH-correlated assets	SUI, USDC, USDT, wETH, wBTC, USDY, LBTC, XAUm
Flash loans	Yes	Yes
Permissionless markets	No	Not disclosed
Audited	Yes	Yes
Bug bounty	Yes	Yes
Governance token	AAVE	NAVX
Isolated markets	Yes	Yes
Real-world-asset collateral	Yes	Yes
Own stablecoin	Yes	No
Rates	Variable	Variable
Company
Founded	2017	2023
Headquarters	Finland	—
Investors	Blockchain Capital, Framework Ventures, Standard Crypto	Hashed, OKX Ventures, dao5
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 13 security audits completed across Move smart contracts No KYC required for lending or borrowing on Sui mainnet Isolated Prime markets mitigate systemic debt contagion across pools Zero reported exploit losses since 2023 launch
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	Confined entirely to the Sui blockchain ecosystem Variable borrowing rates can rise sharply during high pool utilization Liquidations rely on third-party oracle feeds from Pyth and Supra Exposed to depeg risks on bridged assets such as wBTC and wETH
Best for	Multi-chain DeFi borrowers, Collateralised crypto lending, Stablecoin liquidity strategies	Sui token holders earning yield, Borrowers needing non-custodial stablecoin loans, DeFi traders collateralizing wrapped Bitcoin

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