DeFi Withdrawal Pressure

Fluid Lending has the least idle money in this screen: 47.4% of supplied value is not currently borrowed. That is withdrawal pressure, not proof of failure.

This page looks for places where withdrawals could become difficult. It compares supplied money, borrowed money, idle balances, rewards, market concentration and stablecoin price gaps without pretending public totals prove insolvency.

Protocol and stablecoin records checked 19 September 2026

SUPPLIED

BORROWED

IDLE
CASH

pressure rises when borrowed money grows and exits shrink

Value supplied$78.7bnAcross 19 lenders

Value borrowed$27.9bnCurrent reported balances

Money not borrowed$50.8bnAvailable across the books

Borrowed share35.4%Borrowed / supplied

Lenders below 20% idle0 of 19Tighter withdrawal room

Tightest withdrawal roomFluid Lending47.4%

Largest lenderAave V3$30.4bn

Top five share80.1%Share of supplied value

Value without leader$48.2bnLargest lender removed

Borrowing concentration82.5%Top five share of borrowing

Books tight after 20% cut0 of 19Simple balance shock

Borrowing above reduced supply$0.00Screening gap, not bad debt

Reward-heavy lenders4 of 19Reward rate above base rate

Middle base rate0.3%Across mapped lending pools

Middle reward rate0.1%Can be reduced

Stablecoins checked14Above $50m supply

Largest peg gapFRAX0.7%

Largest idle cash poolAave V3$18.0bn

Highest borrowed shareFluid Lending52.6%

Chains used by largest lender21Reported network breadth

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Can depositors all leave at once?

No lender keeps every supplied dollar idle. The useful comparison is how much has been borrowed and how much remains available across the book.

Lender	Supplied	Borrowed	Borrowed share	Not borrowed	Idle share	Base rate	Reward rate	Chains
Fluid Lending	$1.6bn	$823.2mn	52.6%	$740.5mn	47.4%	2.1%	0.1%	5
Euler V2	$730.2mn	$371.1mn	50.8%	$359.1mn	49.2%	2.0%	1.3%	16
Dolomite	$691.9mn	$342.3mn	49.5%	$349.7mn	50.5%	0.5%	1.1%	7
Jupiter Lend	$2.1bn	$963.0mn	45.5%	$1.2bn	54.5%	3.2%	0.1%	1
Kamino Lend	$2.4bn	$1.0bn	42.7%	$1.4bn	57.3%	0.3%	0.0%	1
Aave V3	$30.4bn	$12.5bn	40.9%	$18.0bn	59.1%	0.3%	0.1%	21
Maple	$4.5bn	$1.7bn	37.5%	$2.8bn	62.5%	4.9%	0.0%	2
HyperLend Pooled	$849.0mn	$316.4mn	37.3%	$532.7mn	62.7%	0.3%	0.0%	1
Cooler Loans	$368.4mn	$132.5mn	36.0%	$235.9mn	64.0%	0.0%	0.0%	1
Aave Horizon RWA	$400.8mn	$137.9mn	34.4%	$263.0mn	65.6%	0.0%	0.0%	1
Aave V4	$827.5mn	$270.4mn	32.7%	$557.1mn	67.3%	0.2%	0.4%	3
Morpho Blue	$15.9bn	$5.1bn	32.4%	$10.7bn	67.6%	1.4%	0.7%	45
SparkLend	$8.2bn	$2.7bn	32.4%	$5.6bn	67.6%	0.3%	0.4%	2
Compound V3	$2.1bn	$631.7mn	30.0%	$1.5bn	70.0%	0.3%	0.0%	10
Venus Core Pool	$1.7bn	$400.3mn	23.3%	$1.3bn	76.7%	0.3%	0.0%	8
Lista Lending	$1.1bn	$198.1mn	18.2%	$888.8mn	81.8%	0.6%	0.1%	2
cap	$415.8mn	$64.6mn	15.5%	$351.2mn	84.5%	0.0%	0.0%	1
EtherFi Borrowing Market	$319.2mn	$34.6mn	10.8%	$284.5mn	89.2%	0.0%	0.0%	2
JustLend V1	$4.0bn	$202.4mn	5.1%	$3.8bn	94.9%	0.1%	0.4%	1

Fluid Lending has the least idle money in this screen: 47.4% of supplied value is not currently borrowed. That is withdrawal pressure, not proof of failure.

Does pressure survive removing the leader?

Market size, borrowing and idle money are rebuilt without the largest lender.

All supplied value$78.7bn

Without Aave V3$48.2bn

All borrowed value$27.9bn

All idle money$50.8bn

The top five lenders hold 80.1% of supplied value. This is a concentration and withdrawal-pressure screen, not a failure prediction.