Jupiter Lend vs zkLend

Jupiter Lend4.0/5

VS

zkLend1.4/5

Feature	Jupiter LendVisit	zkLendVisit
Ratings
Our score	4.0/5	1.4/5
User rating	No reviews yet	No reviews yet
Security & track record	4.5	0.5
Rates	4.0	1.0
Market depth	3.5	1.0
Ease of use	4.5	2.0
Decentralization	3.5	3.0
Specs
KYC required	No	No
Lending model	Pooled	Pooled
Chains	Solana	Other
Main collateral assets	Not disclosed	USDC, USDT, DAI, ETH, WBTC, wstETH, STRK
Permissionless markets	Not disclosed	Yes
Audited	Yes	Not disclosed
Governance token	JUP	ZEND
Real-world-asset collateral	Not disclosed	No
Own stablecoin	Not disclosed	No
Rates	Variable	Not disclosed
Company
Founded	2025	2021
Headquarters	—	Hong Kong
Investors	Not disclosed	Delphi Digital, Amber Group, Ascensive Assets, CMS Holdings +8
Strengths and weaknesses
Pros	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	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	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	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 for	Solana DeFi yield depositors, Traders borrowing against crypto collateral, Mobile users seeking onchain lending	Historical Starknet DeFi research, Former users claiming recovery distributions

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