PhoLend
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Protocol TVL
About PhoLend
PhoLend is a decentralized lending platform that provides an environment for lenders and borrowers. Its open-source design supports community-driven improvements, fostering innovation and collaboration in DeFi
Description sourced from DeFiLlama's protocol metadata; teams submit their own copy when listing.
How PhoLend's TVL is measured
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.
Counts the tokens locked in the contracts to be used as collateral to borrow or to earn yield. Borrowed coins are not counted towards the TVL, so only the coins actually locked in the contracts are counted. There's multiple reasons behind this but one of the main ones is to avoid inflating the TVL through cycled lending.
If a contract or vault isn't in this list, its balance does not contribute to the TVL displayed on Mantapex or DeFiLlama.
Security & Audits
Oracles supply external price data to on-chain contracts. Oracle compromise is a common attack vector — diversified providers reduce single-point-of-failure risk.
PhoLend Timeline
Major events flagged by the DeFiLlama community — protocol launches, exploits, governance changes, and incentive programs.
- Feb 27, 2025Listed on DeFiLlama
Protocol Profile
PhoLend 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 on CrossFi.
TVL Distribution by Chain
TVL spans 3 chains across the deployment. See the breakdown below for per-chain values.
Supported Chains
Protocol Footprint
PhoLend is a single-chain protocol, deployed exclusively on CrossFi — this concentrates execution risk but simplifies the trust model. Roughly 100% of its on-chain value sits on just three networks (CrossFi, CrossFi-borrowed, borrowed), so a fault on any one of them would affect a large slice of users. Price feeds come from a single oracle provider (DIA); an outage or manipulation of that feed would propagate into every market the protocol prices.
Official Resources & Links
Verified external resources for PhoLend — use these to read the source code, follow governance discussions, or cross-check on-chain data against the original team's channels.
Other Lending protocols on Mantapex
PhoLend 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 PhoLend's own TVL is at the top, middle, or tail of the category.
Related protocols
Other DeFi protocols connected to PhoLend by category, deployment chain, or shared codebase lineage — useful for comparing TVL, fee models, or audit posture across direct peers.
Other Lending protocols
Top protocols on CrossFi
Fork lineage & related versions
Risk Warning
DeFi protocols carry inherent risks including smart contract vulnerabilities, liquidity risks, and potential loss of funds. Always do your own research before investing.
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