Moonwell is an open, decentralized lending and borrowing protocol on Base, Optimism, Moonbeam, and Moonriver, with a user-friendly interface and consumer products like the Moonwell Card.
Supply cbETH as collateral and borrow USDC against it. Your borrowing power is your collateral value times the collateral factor.
Above 1.0 the position is solvent. Drop below 1.0 and it becomes liquidatable. The red marker is the liquidation line.
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.
Lending protocols are often hard to navigate for newcomers and fragmented across chains, while emergency response and risk management remain opaque.
Moonwell pairs a battle-tested Compound v2 lending core with a polished consumer UX (Moonwell Card, virtual accounts, USDC Anywhere), curated Morpho vaults, and a multi-chain governance system anchored by a Cayman-based Foundation and a 5-member Security Council.
Multi-chain reach (Base / Optimism / Moonbeam / Moonriver), retail-friendly product surface (debit card, smart wallets), and on-chain reserve auctions that recycle protocol revenue into WELL buybacks.
Moonwell is a Lending protocol operating on Base, Optimism, Moonbeam, Moonriver. Moonwell is an open, decentralized lending and borrowing protocol on Base, Optimism, Moonbeam, and Moonriver, with a user-friendly interface and consumer products like the Moonwell Card.
DeFi Sentinel rates Moonwell BBB with a safety score of 69/100, indicating moderate risk. The score reflects five risk dimensions: smart contract & technical risk, economic design & market risk, governance & centralization, sustainability & competitive position, and reputation & social trust. Moonwell has 11 audits on record. As with all DeFi protocols, residual risk remains and users should review the full risk breakdown before depositing.
Moonwell has a DeFi Sentinel safety score of 69/100 (rating BBB), last updated May 22, 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%).
Moonwell is deployed on Base, Optimism, Moonbeam, Moonriver.
Yes. Moonwell has 11 audit reports on record from firms including Halborn, Halborn, Halborn. Audit reports and dates are linked under the Resources tab on this page.
