Maple Finance is an on-chain institutional capital marketplace where lenders earn yield from overcollateralised loans to vetted institutional borrowers, accessible permissionlessly via the syrupUSDC and syrupUSDT yield-bearing dollar tokens.
Lender deposits flow through the delegate-managed pool into vetted institutional borrowers, then return with interest.
Maple's edge vs Aave/Compound: institutional borrowers can draw more capital than typical DeFi over-collateralisation allows, while the delegate model and on-chain collateral protect the lender pool.
Live signals detected by Sentinel monitors across all five risk classes.
See each alert's affected component, root-cause analysis, and recommended action. Pro members get the full risk breakdown for every protocol.
Institutional borrowers need flexible on-chain financing, while on-chain lenders lack access to institutional-grade credit yield; the 2022 wave of unsecured-lending defaults showed the original DeFi credit model was fragile.
Maple originates fully overcollateralised loans to vetted institutions — underwritten in-house by Maple Direct, with BTC/ETH collateral in segregated custody and a 24-hour margin-call process — and packages that yield into liquid syrupUSDC/syrupUSDT tokens anyone can hold.
Category definer for on-chain institutional credit, with a TradFi-pedigreed team, a hybrid on-chain/off-chain underwriting model, and a proven post-2022 track record of zero defaults through major liquidation events.
Maple Finance is a Lending protocol operating on Ethereum, Solana, Arbitrum. Maple Finance is an on-chain institutional capital marketplace where lenders earn yield from overcollateralised loans to vetted institutional borrowers, accessible permissionlessly via the syrupUSDC and syrupUSDT yield-bearing dollar tokens.
DeFi Sentinel rates Maple Finance AA with a safety score of 88/100, 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. Maple Finance has 7 audits on record. As with all DeFi protocols, residual risk remains and users should review the full risk breakdown before depositing.
Maple Finance has a DeFi Sentinel safety score of 88/100 (rating AA), last updated May 14, 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%).
Maple Finance is deployed on Ethereum, Solana, Arbitrum.
Yes. Maple Finance has 7 audit reports on record from firms including Trail of Bits, Spearbit, Three Sigma. Audit reports and dates are linked under the Resources tab on this page.
