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diBoaS
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Where Your Money Works

Every system. Every name. Nothing hidden.

25 protocols. 7 categories. Full transparency about every system your money touches.

Here's why we built this page.

Transparency

Ask your bank where your savings go. They won't tell you.

We will. Every system listed on this page is one your money may touch when you use a diBoaS strategy. We publish the names, the track records, the security audits, and the things that went wrong. Because you should know.

Every protocol on this page earned its spot. We checked how long it has been running, who audited the code, how it handled problems, and whether real people actually trust it with real money. If it did not pass, it is not here.

We list 25 protocols here. Our strategies currently use 6 of them. The rest are protocols we have researched and approved, and they may be included in future strategies as we expand.

Important: Being listed here does not mean zero risk. It means we did our homework and we are being honest about what we found. Every system on this page carries technical risk, market risk, and the possibility of loss.

So how much real money is in these systems?

Combined Value Secured

The protocols on this page collectively hold over $120 billion in user deposits across all their deployments. That is more than most regional banks hold in total deposits.

This does not mean your money is in all of them. Each diBoaS strategy uses specific protocols suited to its risk level and goals. See the Strategies page for which protocols are used in which strategy.

Combined TVL sourced from DeFiLlama. Last verified: January 2026. Values fluctuate daily.

How did these 25 make the list?

The 25 Protocols

Organized by what they do. Click any card for details.

All TVL figures are approximate, sourced from DeFiLlama, and current as of February 2026. Values fluctuate daily.

Lending Protocols

You deposit assets. Borrowers pay interest to use them. You earn the interest.

Aave V3 ~$35 billion

+

The largest lending system in decentralized finance. You deposit assets, earn interest from borrowers, and can withdraw anytime. Used by institutions and individuals across 18 blockchains.

Safe Harbor, Goal Keeper, Patient Builder, Steady Compounder, Yield Maximizer

Founded2017 (V3: 2022)
BlockchainsEthereum, Arbitrum, Polygon, + 15 more
Security Audits30+ independent audits
Regulatory / Track RecordSEC closed its 4-year investigation without charges (December 2025). Source: SEC closure letter shared by Aave founder; reported by Yahoo Finance, CoinDesk, Unchained.
Website →@XVerify on DeFiLlama
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Compound V3 ~$2 billion

+

One of the oldest lending systems in DeFi. You earn interest by providing assets that others borrow. Simple, battle-tested, and running since 2018.

Safe Harbor, Goal Keeper, Patient Builder, Steady Compounder, Yield Maximizer

Founded2018 (V3: 2022)
BlockchainsEthereum, Arbitrum, Base, Polygon
Security Audits4+ independent audits
Regulatory / Track RecordFully decentralized. No specific licenses required.
Website →@XVerify on DeFiLlama
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Kamino ~$2.5 billion

+

Solana's all-in-one lending and liquidity platform. Combines lending, automated liquidity management, and leverage in a single system. You earn interest by lending assets to borrowers, similar to Aave and Compound.

Founded2022
BlockchainsSolana
Security AuditsMultiple audits by OtterSec
Regulatory / Track RecordDecentralized protocol. No major incidents.
Website →@X
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Morpho ~$7 billion

+

Matches lenders directly with borrowers for better rates than traditional lending pools. Coinbase integrated Morpho on Base for bitcoin-backed USDC loans (January 2025), originating over $1.2 billion in loans by late 2025.

Founded2022
BlockchainsEthereum, Base, Arbitrum
Security Audits23+ independent audits
Regulatory / Track RecordIntegrated by Coinbase (Jan 2025) and Crypto.com (Oct 2025) for DeFi-backed lending. Source: Coinbase blog, morpho.org/stories/coinbase, DL News.
Website →@X
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Spark Protocol ~$4 billion

+

Lending system built on Aave's proven code, connected to Sky/MakerDAO's deep liquidity. Benefits from the longest operating history in DeFi (since 2014).

Founded2023
BlockchainsEthereum, Base, Arbitrum
Security Audits7+ independent audits
Regulatory / Track RecordBenefits from MakerDAO's 10+ year compliance track record
Website →@X
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Fluid ~$2 billion

+

Next-generation lending that combines features from multiple established systems. Very low liquidation penalties for borrowers. You earn interest from borrowers, similar to other lending protocols.

Exception to our 1-year minimum: Fluid launched in 2024 but is built by the Instadapp team, which has 6+ years of DeFi infrastructure experience.

Founded2024
BlockchainsEthereum, Arbitrum, Base
Security Audits3+ independent audits
Regulatory / Track RecordBuilt by the Instadapp team (6+ years building DeFi infrastructure)
Website →@X
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Staking Protocols

You help secure a blockchain network. The network pays you rewards for doing so.

Lido Finance ~$27 billion

+

Stake your ETH and receive a token (stETH) you can use elsewhere while still earning staking rewards. The largest staking service in crypto.

Founded2020
BlockchainsEthereum, Polygon
Security Audits20+ independent audits
Regulatory / Track RecordSEC Division of Corporation Finance staff statement (August 5, 2025): liquid staking receipt tokens including stETH are not securities under the Securities Act of 1933 or Exchange Act of 1934. Part of SEC Chairman Atkins' "Project Crypto" initiative. Source: SEC.gov staff statement; reported by CoinDesk, Decrypt, CCN.
Website →@X
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Rocket Pool ~$2 billion

+

Decentralized Ethereum staking. You can stake with as little as 0.01 ETH. No centralized operator controls the network.

Founded2016 (mainnet 2021)
BlockchainsEthereum
Security Audits5+ independent audits
Regulatory / Track RecordSEC Division of Corporation Finance staff statement (August 5, 2025): liquid staking receipt tokens including rETH are not securities. Same guidance covering Lido stETH and Jito JitoSOL. Source: SEC.gov staff statement.
Website →@X
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Jito ~$2.8 billion

+

Solana liquid staking that earns both standard staking rewards and additional MEV (trading arbitrage) rewards. Used in diBoaS growth strategies.

Full Throttle

Founded2022
BlockchainsSolana
Security AuditsMultiple audits by Certora, OtterSec
Regulatory / Track RecordSEC Division of Corporation Finance staff statement (August 2025): liquid staking receipt tokens including JitoSOL are not securities. Source: SEC.gov staff statement; reported by CoinDesk, CCN, Blockchain Magazine.
Website →@XVerify on DeFiLlama
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Marinade Finance ~$550 million

+

Solana staking spread across 100+ validators for better decentralization and rewards. One of the few DeFi protocols with institutional-grade compliance certification.

Founded2021
BlockchainsSolana
Security Audits5+ independent audits
Regulatory / Track RecordSOC 2 Type I and II certified. Institutional-grade compliance.
Website →@X
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Sanctum (INF) ~$1.7 billion

+

Unified liquidity layer for all Solana staking tokens. Lets you swap instantly between different staked assets without waiting for unstaking periods.

Stable Growth, Steady Progress, Balanced Builder, Wealth Accelerator, Full Throttle

Founded2021
BlockchainsSolana
Security AuditsAudited by Accretion
Regulatory / Track RecordSingapore-based. Powers staking for Binance and Bybit.
Website →@XVerify on DeFiLlama
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EigenLayer ~$12 billion

+

Restaking: use your already-staked ETH to support other services built on Ethereum and earn extra rewards on top of your base staking yield. You earn staking rewards plus bonus rewards from the services you help secure.

Founded2023
BlockchainsEthereum
Security AuditsMultiple independent audits
Regulatory / Track Record$2M bug bounty program on Immunefi
Website →@X
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Stablecoins and Synthetic Assets

These systems create digital assets designed to hold a stable value, usually pegged to the US dollar. Stablecoins can lose their peg.

Sky Protocol / SSR (formerly MakerDAO) ~$6 billion

+

The original DeFi system. Running since 2014. Deposit crypto as collateral, generate stablecoins, earn the savings rate. Survived every major market crash since 2017.

All 10 strategies (Safe Harbor, Stable Growth, Goal Keeper, Steady Progress, Patient Builder, Balanced Builder, Steady Compounder, Wealth Accelerator, Yield Maximizer, Full Throttle)

Founded2014
BlockchainsEthereum (diBoaS strategies use the Arbitrum deployment)
Security Audits10+ independent audits
Regulatory / Track Record10+ years of continuous operation through multiple market cycles
Website →@XVerify on DeFiLlama
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Ethena ~$6.5 billion

+

Creates a synthetic dollar (USDe) through hedged positions. Offers higher yields than traditional stablecoins, but with a more complex mechanism and higher risk profile.

Founded2023
BlockchainsEthereum + 23 chains
Security Audits7+ independent audits
Regulatory / Track RecordBaFin (Germany) rejected MiCA authorization application in March 2025, citing "significant deficiencies" in organizational structure and reserve compliance. BaFin ordered halt to USDe minting/redemption and froze reserve assets. Ethena GmbH agreed to wind down German operations (April 2025). All activity now operates via Ethena (BVI) Limited, a British Virgin Islands entity. BaFin also raised concerns that sUSDe may constitute an unregistered security under German law. Sources: BaFin official notice (March 21, 2025); Decrypt, The Block, CoinTelegraph, Ledger Insights.
Website →@X
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Ondo Finance ~$1.7 billion

+

Brings traditional financial assets on-chain. US Treasuries, bonds, and stocks as digital tokens. Acquired SEC-registered broker-dealer and transfer agent licenses through its purchase of Oasis Pro (completed October 2025).

Founded2021
BlockchainsEthereum, Solana, Arbitrum
Security Audits4+ independent audits
Regulatory / Track RecordSEC-registered broker-dealer, Alternative Trading System (ATS), and Transfer Agent licenses acquired via Oasis Pro (FINRA member since 2020). Acquisition completed October 2025. $1.6B+ in tokenized assets under management. Sources: Ondo Finance blog, Blockworks, CoinDesk, FINRA BrokerCheck (Oasis Pro Markets LLC).
Website →@X
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Yield and Trading Protocols

These systems generate returns through trading fees, yield optimization, or structured products.

Pendle Finance ~$4.5 billion

+

Separates yield from principal so you can trade, lock in, or speculate on future returns. Lets you secure a fixed rate or bet that rates will go higher.

Founded2021
BlockchainsEthereum, Arbitrum, BNB Chain
Security Audits6+ independent audits
Regulatory / Track Record$250K bug bounty. Safe Harbor Agreement in place.
Website →@X
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Yearn Finance ~$500 million

+

Automated yield farming. Moves your money between systems to chase the best available returns. A pioneer that has been running since 2020.

Founded2020
BlockchainsEthereum, Arbitrum, Fantom
Security Audits6+ independent audits
Regulatory / Track RecordPioneer of yield aggregation. 5+ years of continuous operation.
Website →@X
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Curve Finance ~$2.2 billion

+

Specialized exchange for stablecoins and similar assets. Designed for minimal price impact when swapping between assets of similar value.

Founded2020
BlockchainsEthereum + 20 chains
Security Audits15+ independent audits
Regulatory / Track RecordJuly 2023: $70M exploit. 73% of funds recovered. Root cause was a compiler bug (Vyper), not Curve's own code.
Website →@X
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Convex Finance ~$1.5 billion

+

Boosts your Curve rewards without requiring you to lock tokens for years. Simplifies Curve participation.

Founded2021
BlockchainsEthereum, Arbitrum
Security Audits7 independent audits
Regulatory / Track RecordNo exploits in 4 years. A critical vulnerability was found and patched in 2022 before any funds were lost.
Website →@X
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Perpetual and Trading Exchanges

Traders use these systems to bet on price movements. You earn returns by providing the liquidity they trade against.

GMX V2 ~$400 million

+

Decentralized perpetual exchange. You provide liquidity to a shared pool. Traders pay fees to the pool. You earn a share of every trade.

Founded2021
BlockchainsArbitrum, Avalanche, Solana
Security Audits10+ independent audits
Regulatory / Track Record$5M bug bounty on Immunefi (one of the largest in DeFi)
Website →@X
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Jupiter JLP ~$1.6 billion

+

Solana's leading perpetual exchange. Provide liquidity, earn 70% of all trading fees. Used in several diBoaS growth strategies.

Balanced Builder, Wealth Accelerator, Full Throttle

Founded2021 (perpetuals: 2023)
BlockchainsSolana
Security Audits6+ independent audits
Regulatory / Track RecordOver $137M paid to liquidity providers from January to October 2024, based on Dune Analytics fee data (75% of $183M total fees). Source: SolanaFloor / Dune Analytics (October 2024). Figure is likely significantly higher at time of publication.
Website →@XVerify on DeFiLlama
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Decentralized Exchanges

Swap one token for another without a centralized exchange. You can also earn fees by providing liquidity for others to trade against.

Raydium ~$2 billion

+

Solana's main decentralized exchange. Automated market making, concentrated liquidity, and token launches.

Founded2021
BlockchainsSolana
Security Audits4+ independent audits
Regulatory / Track RecordNovember 2022: $4.4M exploit caused by compromised admin key. All affected users were reimbursed.
Website →@X
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Orca ~$400 million

+

User-friendly Solana exchange known for clean design, efficient swaps, and one of the strongest security records in the ecosystem. You can provide liquidity and earn fees from trades on the platform.

Founded2021
BlockchainsSolana
Security Audits6+ independent audits
Regulatory / Track RecordNo exploits in 4+ years. Praised for code quality by independent reviewers.
Website →@X
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Balancer ~$258 million (post-exploit; was ~$775M pre-November 2025)

+

Programmable liquidity pools that can hold multiple tokens in custom ratios. More flexible than standard exchange pools. You provide tokens to the pool and earn a share of trading fees.

Founded2020
BlockchainsEthereum, Arbitrum, Polygon
Security Audits11+ independent audits
Regulatory / Track RecordNovember 3, 2025: $128M exploit affecting V2 pools across Ethereum, Polygon, Base, Arbitrum, and other chains. Rounding error vulnerability in ComposableStablePool contracts. Approximately $28M recovered through whitehat operations and protocol interventions. Majority of funds (~$100M) remain unrecovered as of February 2026. Balancer DAO approved 10% recovery bounty (BIP-908, February 2026). V3 (current version) was NOT affected by this exploit. diBoaS strategies use V3 only. Sources: Check Point Research, CoinJournal, The Defiant, DL News, Halborn.
Website →@X
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Payment and Real-World Asset Infrastructure

These systems connect traditional finance and crypto. Cross-border payments, trade financing, and real-world assets on-chain.

Huma Finance ~$100 million

+

Instant cross-border payments and trade financing using crypto infrastructure. Partners with Circle and the Stellar Development Foundation. Returns come from fees charged on cross-border payment processing.

Founded2022
BlockchainsSolana, Stellar, Polygon
Security Audits6+ independent audits
Regulatory / Track RecordStrategic partnerships with Circle and Stellar Development Foundation
Website →@X
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Our Selection Process

We don't add protocols because they are popular. We add them because they passed our checklist.

  • At least 1 year of continuous operation. We make exceptions for protocols built by teams with long track records, but we note it clearly.
  • Professional security audits from recognized firms. Not just one. We look for multiple independent audits.
  • No unresolved exploits affecting the version we use where user funds were permanently lost. Past incidents and version-specific exploits are disclosed on each card with a warning badge.
  • Transparent operations. We can verify how the protocol works. Open-source code is preferred.
  • Real usage. Actual users depositing real money. Not just hype, not just a token price.

When protocols have had security incidents, we note them on the card with an amber warning. Transparency works both ways. We show the good and the bad.

Before you go further, something important.

Attention

This is not a recommendation to use any of these protocols directly.

diBoaS strategies are built on top of these systems, and our team handles the complexity. You do not need to interact with any protocol yourself. This page exists so you can see exactly where your money goes and verify everything we say.

Every protocol here carries risk. Smart contracts can have bugs. Markets can crash. Stablecoins can lose their peg. Systems that have operated safely for years can still face problems tomorrow. We monitor these systems continuously, but we cannot eliminate risk. No one can.

If you are unsure whether this is right for you, consult a licensed financial advisor before making any investment decisions.

This page exists because we believe you deserve to know. Not because you need to act on it.

Questions About Our Protocols

There are thousands of DeFi protocols. We would rather list 25 we have thoroughly researched than 200 we have not.
It depends on the severity. For minor incidents that are resolved quickly, we may keep the protocol listed with an updated warning note. For serious exploits where user funds are permanently lost, we remove the protocol from our list and adjust any affected strategies. If the exploit affected an older version that we do not use, we may keep the protocol listed with a clear warning. See our selection criteria above for details. We will always communicate changes to our users.
TVL stands for Total Value Locked. It is the total amount of money deposited in a protocol by all users worldwide. Higher TVL generally means more people trust the system with real money. It is not a guarantee of safety, but it is one signal we look at.
No. diBoaS handles all protocol interactions on your behalf when you choose a strategy. You do not need to create accounts with any protocol, manage wallets on different blockchains, or understand the technical details. This page is here for transparency, not because you need to do anything with it.
No. Being listed means we have researched them, they meet our criteria, and we use them in our strategies. We are not affiliated with any protocol. Their inclusion does not imply they endorse diBoaS, and our listing does not constitute an endorsement or recommendation to use them directly.

Open access and fair opportunities for everyone.

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This content is for educational purposes only and does not constitute investment advice, financial advice, or any other type of advice. Past performance is not indicative of future results. Any historical data or simulations are hypothetical and not guarantees.

The value of crypto-assets may fluctuate. You may lose some or all of your money. Crypto-assets are not covered by deposit guarantee schemes.

This crypto-asset marketing communication has not been reviewed or approved by any competent authority in any Member State of the European Union. The offeror of the crypto-asset is solely responsible for the content of this crypto-asset marketing communication.

diBoaS is a non-custodial interface providing access to decentralized finance protocols. diBoaS is not registered with the SEC, CFTC, FinCEN, or any state regulatory agency. US regulatory treatment of DeFi is evolving. You are responsible for determining whether your use of this interface complies with applicable laws.

Certain content on this platform, including market analysis and educational materials, is generated or assisted by artificial intelligence. AI-generated content may contain errors or limitations. Users should verify information independently before making financial decisions.

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