
Moonwell: Secure, Scalable Lending for the Multi-Chain Future
Moonwell is a decentralized lending protocol built to bring simple, powerful DeFi borrowing and lending to the broader Web3 ecosystem. Originally launched on Moonriver in early 2021, it quickly gained traction—amassing over $300M in TVL within just two months. Today, Moonwell operates across multiple chains including Moonbeam and Base, and stands as the largest DeFi protocol by TVL on Moonbeam.
Backed by $10M in strategic funding from top-tier investors like Coinbase Ventures, Arrington Capital, and Hypersphere, Moonwell has become a core financial layer across the Polkadot and Ethereum ecosystems. In 2023, it further expanded its reach by deploying on Base, positioning itself as a true cross-chain DeFi platform.
At the heart of Moonwell is the $WELL token, which powers governance and security. Users can stake WELL into the protocol’s Safety Module, receiving stkWELL in return. This smart contract-driven module not only offers rewards, but also acts as an insurance mechanism—covering up to 30% of its locked value in the event of smart contract failures, liquidation errors, or oracle issues. A 10-day cooldown and withdrawal window keeps the system stable while giving stakers flexibility.
Moonwell isn’t just about liquidity—it’s about trust and usability. With a strong emphasis on user experience, it offers an intuitive UI designed for both newcomers and DeFi veterans. Everything on Moonwell is transparent and verifiable on-chain, ensuring that users remain in full control of their assets. The protocol’s non-custodial structure means you never have to give up ownership to access lending opportunities.
Security is built into the foundation. From audits by Halborn to modeling support by Gauntlet and community contributions via Vector DAO and Warden Finance, Moonwell is hardened against risk from multiple vectors.
Governance is fully on-chain. No upgrades or changes happen without token holder approval, ensuring community alignment and decentralization remain intact.
Whether you’re supplying GLMR, xcDOT, ETH, or BTC, or staking WELL for protocol incentives, Moonwell offers a secure and seamless experience backed by real community commitment. With an APY over 20% on staking at the time of writing, and native integration across Polkadot and Base ecosystems, Moonwell continues to define what a modern lending protocol should be.
Explore the future of decentralized finance—on your terms—with Moonwell.
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