Jupiter Lend vs Maple Finance: Quick Compare (2026)
Jupiter Lend is a lending platform rated 9/10 with $1.02B TVL, best for Jupiter users who also want to lend. Maple Finance is a lending platform rated 8/10 with $1.60B TVL, best for Earning stable yield from institutional borrowers with professional credit underwriting.
Need a deeper breakdown? Use editorial comparison pages and full platform reviews before you decide.
Head-to-Head Comparison
| Feature | Jupiter Lend | Maple Finance |
|---|---|---|
| Rating | 9/10 | 8/10 |
| TVL | $1.02B | $1.60B |
| APY | 3-8% on USDC | 4-8% |
| Best for | Jupiter users who also want to lend | Earning stable yield from institutional borrowers with professional credit underwriting |
| Not best for | Not ideal for users seeking the highest lending yields — Jupiter Lend's rates are competitive but typically 0.5-1% lower than Kamino on major assets. Users with large positions should compare rates across Kamino, Save, and MarginFi. | Not ideal for users who want fully permissionless, trustless lending. Some pools require KYC, and Maple relies on underwriter judgment rather than pure overcollateralization. If you want maximum composability and no KYC, use Kamino or MarginFi. |
| Founded | 2024 | 2021 |
Fees Comparison
Jupiter Lend Fees
| Fee | Value |
|---|---|
| Lending spread | ~0.5% |
| Deposit/withdrawal fee | None |
| Liquidation penalty | 5% |
Maple Finance Fees
| Fee | Value |
|---|---|
Pros & Cons
Jupiter Lend
Pros
- $1B+ TVL — second largest Solana lending protocol
- Integrated in Jupiter app — no extra wallet connect
Cons
- Fewer advanced features than Kamino
Maple Finance
Pros
- $1.6B TVL — one of the largest institutional lending protocols in DeFi
- Institutional borrowers with professional credit underwriting reduce default risk vs DeFi-native lending
- Competitive USDC/USDT yields of 4-8% APY with lower volatility than DeFi farming
Cons
- Some pools require KYC — limited permissionless access compared to Kamino or MarginFi
- Less composable than DeFi-native lending — can't easily use LP tokens as collateral elsewhere
- Previous v1 credit losses during FTX collapse — historical default events
When to Choose Jupiter Lend
Best for: Jupiter users who also want to lend
Honest limitation: Jupiter Lend launched more recently than Kamino or Save, with a shorter track record. While backed by the Jupiter team's reputation, the lending smart contracts have less time-in-production than competitors.
When to Choose Maple Finance
Best for: Earning stable yield from institutional borrowers with professional credit underwriting
Honest limitation: Maple suffered significant defaults in 2022 during FTX/Alameda collapse. V2 has stronger underwriting, but institutional lending inherently carries credit risk that DeFi overcollateralized lending doesn't.