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Compound vs Moon Mortgage

How Compound vs Moon Mortgage compare on our ratings, lending protocol specs, funding, pros and cons.

Compound4.0/5
VS
Moon Mortgage2.5/5
Feature
CompoundVisit
Moon MortgageVisit
Ratings
Our score4.0/52.5/5
User ratingNo reviews yetNo reviews yet
Security & track record4.53.0
Rates4.02.5
Market depth3.52.5
Ease of use4.03.0
Decentralization4.01.0
Specs
KYC required NoNot disclosed
Lending modelIsolated marketsNot disclosed
ChainsEthereum, Arbitrum, BaseNot disclosed
Main collateral assetsETH, WBTC, USDC, USDTNot disclosed
Flash loans NoNot disclosed
Permissionless markets NoNot disclosed
Audited YesNot disclosed
Bug bounty YesNot disclosed
Governance tokenCOMPNot disclosed
Isolated markets YesNot disclosed
Real-world-asset collateral NoNot disclosed
Own stablecoin NoNot disclosed
RatesVariableNot disclosed
Company
Founded2017—
Headquarters—United States
InvestorsDragonfly, Polychain Capital, a16z cryptoNot disclosed
Strengths and weaknesses
Pros
  • Audited by OpenZeppelin and ChainSecurity with a $1M bug bounty
  • Processed $480B in all-time deposits and borrows since 2018
  • No KYC required to supply or borrow on standard markets
  • Active on Ethereum, Base, and Arbitrum
  • Allows borrowing against crypto without triggering capital gains taxes on digital asset sales
  • Operates under registered NMLS regulatory licensing in the United States
  • Provides financing specifically structured for US residential property purchases
  • Backed by digital financial infrastructure firm Avrio Worldwide following an August 2024 merger
Cons
  • Lacks an umbrella safety module to cover protocol-wide bad debt
  • Borrow rates vary with base-asset pool utilization
  • Does not support permissionless market creation by users
  • Borrowing is restricted to only one designated base asset per pool
  • Requires centralized custody over collateral rather than trustless smart contracts
  • Collateral is vulnerable to liquidation during sharp market downturns
  • Full identity verification and mortgage underwriting documentation are mandatory
  • Services are restricted to borrowers residing in the United States
Best forUSDC and WETH borrowers, Suppliers avoiding rehypothecation risk, Users seeking yield on supported EVM networksUS crypto holders buying homes, Investors seeking fiat liquidity, Real estate buyers avoiding liquidations

Highlighted cells show the stronger value in each row. Data comes from each provider's site and public sources; check details before you sign up.