Centrifuge vs Jupiter Lend

How Centrifuge vs Jupiter Lend compare on our ratings, lending protocol specs, funding, pros and cons.

VS
Feature
Ratings
Our score3.9/54.0/5
User ratingNo reviews yetNo reviews yet
Security & track record4.04.5
Rates4.04.0
Market depth4.53.5
Ease of use3.54.5
Decentralization3.53.5
Specs
KYC required Yes No
Lending modelIsolated marketsPooled
ChainsEthereum, Arbitrum, Base, OtherSolana
Main collateral assetsTreasuries, Corporate bonds, CLOs, Credit linesNot disclosed
Permissionless markets NoNot disclosed
Audited Yes Yes
Governance tokenNot disclosedJUP
Isolated markets YesNot disclosed
Real-world-asset collateral YesNot disclosed
Own stablecoin NoNot disclosed
RatesNot disclosedVariable
Company
Founded20172025
Headquarters——
InvestorsBlockTower Capital, Greenfield Capital, ParaFi CapitalNot disclosed
Strengths and weaknesses
Pros
  • $1.8B+ TVL and 1,768 tokenized assets reported in October 2026
  • Supports institutional assets including funds, credit and treasuries
  • Hub-and-spoke design connects pools to multiple spoke chains
  • Cross-chain access includes Ethereum, Base, Arbitrum and Stellar
  • Over $1B in total value locked across Solana lending markets
  • Security reviewed by Certora, OtterSec, Neodyme, and Code4rena
  • Requires no KYC or account registration to lend or borrow
  • Native mobile app integration allows managing positions on smartphones
Cons
  • Pool terms, eligibility and redemption conditions vary by product
  • Tokenized assets add issuer, custodian and legal-enforcement exposure
  • Cross-chain messaging creates additional smart-contract and bridge risk
  • A critical security patch covered cross-chain and council governance in July 2026
  • Restricted exclusively to the Solana blockchain ecosystem
  • Variable borrowing rates can spike sharply during periods of high utilization
  • Borrowers risk automated liquidation if collateral asset values decline
Best forInstitutional RWA issuers, DeFi protocols adding RWA collateral, Investors accessing tokenized fundsSolana DeFi yield depositors, Traders borrowing against crypto collateral, Mobile users seeking onchain lending

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