Moonwell
AuditedVerifiedMoonwell 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.
Active Risk Alerts
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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
Lending protocols are often hard to navigate for newcomers and fragmented across chains, while emergency response and risk management remain opaque.
The Solution
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.
Why it Matters
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.
Protocol Metrics
Related Research
View allFrequently asked questions about Moonwell
What is Moonwell?+
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.
How does Moonwell work?+
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.
Is Moonwell safe?+
DeFi Sentinel rates Moonwell BB with a safety score of 64/100, indicating elevated 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. DeFi Sentinel's analysis flagged 2 high, 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 Moonwell?+
Moonwell has a DeFi Sentinel safety score of 64/100 (rating BB), 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 Moonwell support?+
Moonwell is deployed on Base, Optimism, Moonbeam, Moonriver.
Has Moonwell been audited?+
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.