Accumulated Finance Lending

Description sourced from DeFiLlama's protocol metadata; teams submit their own copy when listing.

DeFiLlama publishes the exact rules used to aggregate on-chain balances into the headline TVL figure shown on this page. The methodology below is the team's own source-of-truth description.

We aggregated lending and borrowing tokens issued by Accumulated Finance

If a contract or vault isn't in this list, its balance does not contribute to the TVL displayed on Mantapex or DeFiLlama.

Accumulated Finance Lending is published as a versioned release inside the Accumulated Finance protocol family. Releases inside the same family typically share governance, brand, and large parts of the audit history, but each version can run materially different contract logic — a release labelled v2 or v3 is not just a UI refresh. Newer versions inside a family typically launch with their own audit cycle and parameter set, so do not assume the previous release's safety record carries over without checking the linked audit reports.

Fork lineage and parent-protocol relationships are tracked by DeFiLlama for security and audit-history attribution; a fork inherits the upstream design but not necessarily the upstream audits or governance.

Accumulated Finance Lending is a versioned release inside a larger protocol family. View the parent for combined TVL and all sibling versions.

Major events flagged by the DeFiLlama community — protocol launches, exploits, governance changes, and incentive programs.

1. May 15, 2025
   Listed on DeFiLlama

Accumulated Finance Lending is a Lending protocol that lets users supply assets as collateral, borrow against them, and earn interest from borrowers paying variable or stable rates. It is deployed across 5 chains, including Bitkub, Coti, ZetaChain, Velas and 1 other chain. The codebase has been independently audited (1 report on file).

Accumulated Finance Lending runs a multi-chain deployment, with smart contracts live on 5 networks. TVL is comparatively balanced across networks: even the largest deployment (borrowed) holds only 30% of the protocol's value. Only one audit report is currently listed; users should weigh that against the protocol's TVL before depositing significant amounts.

Verified external resources for Accumulated Finance Lending — use these to read the source code, follow governance discussions, or cross-check on-chain data against the original team's channels.

Accumulated Finance Lending is one of 7 Lending protocols Mantapex tracks in this category. Direct peers ranked by total value locked include Aave V3, Morpho V1, JustLend, and 3 more. These peer protocols collectively secure $43.4B in deposits, giving you a frame of reference for whether Accumulated Finance Lending's own TVL is at the top, middle, or tail of the category.

Aave V3

TVL $26.2B · 24h +0.16%

Morpho V1

TVL $7B · 24h +0.57%

JustLend

TVL $3.4B · 24h +1.86%

Maple

TVL $2.4B · 24h -1.17%

SparkLend

TVL $2.2B · 24h +3.62%

Kamino Lend

TVL $2.1B · 24h -0.02%