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Compound vs zkLend

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

Compound4.0/5
VS
zkLend1.4/5
Feature
CompoundVisit
zkLendVisit
Ratings
Our score4.0/51.4/5
User ratingNo reviews yetNo reviews yet
Security & track record4.50.5
Rates4.01.0
Market depth3.51.0
Ease of use4.02.0
Decentralization4.03.0
Specs
KYC required No No
Lending modelIsolated marketsPooled
ChainsEthereum, Arbitrum, BaseOther
Main collateral assetsETH, WBTC, USDC, USDTUSDC, USDT, DAI, ETH, WBTC, wstETH, STRK
Flash loans NoNot disclosed
Permissionless markets No Yes
Audited YesNot disclosed
Bug bounty YesNot disclosed
Governance tokenCOMPZEND
Isolated markets YesNot disclosed
Real-world-asset collateral No No
Own stablecoin No No
RatesVariableNot disclosed
Company
Founded20172021
Headquarters—Hong Kong
InvestorsDragonfly, Polychain Capital, a16z cryptoDelphi Digital, Amber Group, Ascensive Assets, CMS Holdings +8
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
  • Native Starknet integration offered low transaction costs compared to Ethereum mainnet
  • Raised $5M from notable investors including Delphi Digital and StarkWare
  • Peaked at $55.9M in total value locked in March 2024
  • Distributed remaining treasury assets via a public recovery portal after halting
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
  • Ceased operations in June 2025 with $0 active liquidity
  • Lost $9.55M to a contract logic exploit in February 2025
  • ZEND governance token was delisted from major exchanges prior to wind-down
Best forUSDC and WETH borrowers, Suppliers avoiding rehypothecation risk, Users seeking yield on supported EVM networksHistorical Starknet DeFi research, Former users claiming recovery distributions

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.