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.
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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 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. DeFi Sentinel's analysis flagged 10 medium, 5 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 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%).
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.