Fluid
AuditedVerifiedTrendingFluid (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.
Active Risk Alerts
Live signals detected by Sentinel monitors across all five risk classes.
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Score history
This rating is re-checked every month. A point is recorded for every check, so a flat line means we looked and nothing moved. Hover anywhere on the chart to see what moved that month, and by how much.
The Problem
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.
The Solution
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.
Why it Matters
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.
Protocol Metrics
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DeFi Yield Guide, October 2026: Rated Positions
The standing answer to where DeFi yield is worth taking. Every position on the board carries a Safety Score, the mechanism that produces the yield, and the specific thing that would break it. Reviewed and revised every month; previous editions are archived.
September 2026: A DeFi Yield Guide
The DeFi Sentinel yield guide as it stood this month: every position on the board with its Safety Score, the mechanism that produces the yield, and the specific thing that would break it. Figures are frozen at publication.
Frequently asked questions about Fluid
What is Fluid?+
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.
How does Fluid work?+
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.
Is Fluid safe?+
DeFi Sentinel rates Fluid AAA with a safety score of 93/100, indicating highest safety tier. 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. DeFi Sentinel's analysis flagged 2 medium, 4 low risk alerts across Smart Contract & Technical Risk, Economic Design & Market Risk, Governance & Centralization, Sustainability & Competitive Position and Reputation & Social Trust. As with all DeFi protocols, residual risk remains and users should review the full risk breakdown before depositing.
What is the safety score of Fluid?+
Fluid has a DeFi Sentinel safety score of 93/100 (rating AAA), last updated September 17, 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%).
Which chains does Fluid support?+
Fluid is deployed on Ethereum, Arbitrum, Base, Polygon, Plasma, Solana.
Has Fluid been audited?+
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.