Fluid vs Jupiter Lend

Fluid3.9/5

VS

Jupiter Lend4.0/5

Feature	FluidVisit	Jupiter LendVisit
Ratings
Our score	3.9/5	4.0/5
User rating	No reviews yet	No reviews yet
Security & track record	3.5	4.5
Rates	4.5	4.0
Market depth	4.0	3.5
Ease of use	4.0	4.5
Decentralization	3.5	3.5
Specs
KYC required	No	No
Lending model	Pooled	Pooled
Chains	Ethereum, Arbitrum, Base, Other	Solana
Main collateral assets	ETH, USDC, GHO, BTC, USDGO	Not disclosed
Audited	Yes	Yes
Bug bounty	Yes	Not disclosed
Governance token	FLUID	JUP
Real-world-asset collateral	Yes	Not disclosed
Rates	Variable	Variable
Company
Founded	2018	2025
Headquarters	—	—
Investors	Standard Crypto, Alliance, Andre Cronje, LongHash Ventures +4	Not disclosed
Strengths and weaknesses
Pros	Collateral earns both lending yields and DEX trading fees simultaneously Over $860M in TVL and $660M in active loans in October 2026 No KYC verification required to borrow or lend Supported by $24.5M in backing from Pantera Capital and Coinbase Ventures	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	Compromised off-chain operational keys led to a $215,000 reward pool theft in May 2026 Incurred $70M in bad debt from the Resolv protocol exploit in March 2026 Cross-protocol unified liquidity increases smart contract composability risk Borrow rates fluctuate dynamically based on pool utilization	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 for	Onchain collateralized borrowing, Dual-yield liquidity providers, Non-KYC multichain lending	Solana DeFi yield depositors, Traders borrowing against crypto collateral, Mobile users seeking onchain lending

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