Fluid (formerly Instadapp) is a unified DeFi liquidity layer combining Lending, Vault borrowing and DEX into one capital-efficient stack, with ~$868M Lending TVL and $2.1B active loans.
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Live signals detected by Sentinel monitors across all five risk classes.
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DeFi lending, AMM trading and leverage are fragmented across separate protocols, each with its own liquidity pool. The same capital cannot simultaneously earn lending yield, post as collateral, and provide AMM liquidity.
Fluid unifies all of these on a single Liquidity Layer. Suppliers deposit once; the same liquidity powers Lending, the Vault borrowing engine, and the DEX. Smart Collateral / Smart Debt let LP positions earn trading fees while also serving as collateral or debt.
Highest published LTVs (up to 95%), batched tick-based liquidations with the lowest penalties in DeFi, and a unified-liquidity architecture that gives borrowers cheap leverage and suppliers diversified yield from one deposit.
Fluid is a Lending protocol operating on Ethereum, Arbitrum, Base, Polygon, Plasma, Solana. Fluid (formerly Instadapp) is a unified DeFi liquidity layer combining Lending, Vault borrowing and DEX into one capital-efficient stack, with ~$868M Lending TVL and $2.1B active loans.
DeFi Sentinel rates Fluid AA with a safety score of 86/100, indicating very low risk. The score reflects five risk dimensions: smart contract & technical risk, economic design & market risk, governance & centralization, sustainability & competitive position, and reputation & social trust. Fluid has 7 audits on record. As with all DeFi protocols, residual risk remains and users should review the full risk breakdown before depositing.
Fluid has a DeFi Sentinel safety score of 86/100 (rating AA), last updated May 21, 2026. The score is computed across smart contract & technical risk (30%), economic design & market risk (25%), governance & centralization (20%), sustainability & competitive position (15%), and reputation & social trust (10%).
Fluid is deployed on Ethereum, Arbitrum, Base, Polygon, Plasma, Solana.
Yes. Fluid has 7 audit reports on record from firms including PeckShield, StateMind, MixBytes. Audit reports and dates are linked under the Resources tab on this page.
