Lista Lending
Best for audited protocol with published methodology
How it rates
- Audit report linked from a public dataset
- Accounting methodology published
- TVL of $709m recorded independently
- Several indicators could not be verified from public sources at this check
Each indicator scores 2, 1 or 0. A pillar is the points earned over the points available; the overall score is the weighted sum. Every source below is public — check any of them yourself.
- MetIndependent audit report linked publicly
Audit report linked from the public protocol dataset.
github.com/lista-dao/moolah/tree/master/docs/audits - Met
- MetTracked by an independent analytics platform
Listed with published TVL and history.
defillama.com/protocol/lista-lending - MetAccounting methodology published in the dataset
Methodology published.
defillama.com/protocol/lista-lending - MetApplication reachable at a public address
Reachable without an account at this check.
lista.org/lending
- MetApplication reachable without an account
Reachable without an account at this check.
lista.org/lending - MetProtocol economics published independently
TVL and change history published.
defillama.com/protocol/lista-lending - Met
- PartialFee or reward model documented publicly
Application reachable for review; specific rates not captured at this check.
lista.org/lending - MetNo account required to reach the application
Reachable without an account at this check.
lista.org/lending
- MetTotal value locked published independently
TVL $709m at this check.
defillama.com/protocol/lista-lending - Met
- Not met
- Met
- MetListed on the dataset for over a year
Listing date recorded in the dataset.
defillama.com/protocol/lista-lending
- MetIndependent analytics page published
Public protocol page with history.
defillama.com/protocol/lista-lending - Met
- Met
- Met
- Met
- Met
- Met
- Met
- Met
- Met
A money market anchored in the BNB Chain ecosystem, holding $709m across two chains with published audit reports and documented risk parameters.
Our assessment
Lista Lending holds $709m across two chains with two recorded audits and reports linked. It is the leading money market in the BNB Chain ecosystem and part of a wider protocol that also issues a dollar-pegged stablecoin.
Lending and stablecoin issuance in one system
Where a protocol both lends and issues its own stable asset, the two interact: the stablecoin's backing depends on the lending market's solvency, and the lending market's liquidity often depends on the stablecoin's adoption. That integration is efficient and it means a stress event in one component reaches the other, which a depositor should understand before treating them as separate products.
Audits and parameters published
Two audits with linked reports and documented risk parameters — collateral factors, caps, liquidation thresholds — put it in the top group of our lending comparison. Publishing the parameters matters as much as the audits: they are what actually determines whether a position is safe, and they change over time.
Ecosystem concentration
Being central to one chain's DeFi brings integrations and liquidity, and ties the protocol's fortunes to that network's activity and to the entities that shape it. This is a structural characteristic of every chain-native protocol in our comparison, and worth naming rather than assuming.
Who it suits
Lista fits BNB Chain users who want a documented, audited money market with real depth. Users wanting the widest multi-chain coverage should use Aave or Morpho.
How rivals compare
Frequently asked
Does this score mean Lista Lending is safe?
No. It measures what an outsider can verify: linked audits, published methodology and independently recorded market data. Contract risk is not tested by us.
Where do the TVL and audit figures come from?
A public analytics dataset queried at the verification date, plus the audit reports it links. Both are re-runnable by anyone.
Why do some protocols score zero on audits?
Because no audit report is linked in the public record. The indicator records what a user can reach, not a claim that no audit exists.