Aave V3 vs Spark
Side-by-side lending rate comparison
| Asset | Chain | Supply Aave V3 | Borrow Aave V3 | Supply Spark | Borrow Spark | Aave V3 | Spark |
|---|---|---|---|---|---|---|---|
 sDAI |  Ethereum | 0.00% | 0.00% | 0.00% | 1.00% | 0.00% | 0.00% |
Architecture Comparison
Aave V3
Aave V3 uses a pooled liquidity model where all depositors share a single lending pool per asset. It supports Efficiency Mode (E-Mode) for correlated asset pairs, enabling higher capital efficiency with lower liquidation thresholds.
Spark
Spark is a lending protocol within the MakerDAO / Sky ecosystem, originally forked from Aave V3. It maintains deep DAI and USDS liquidity through its direct connection to the Maker protocol, offering competitive stablecoin lending rates.
Risk Comparison
Aave V3
Aave V3 benefits from the largest TVL in DeFi lending, extensive security audits, and a mature governance system. Its pooled model means risk is shared across all participants.
Spark
Spark inherits Aave V3's codebase while operating under MakerDAO governance. Its tight integration with the DAI ecosystem provides stability but concentrates risk within the Maker ecosystem.
Which Protocol Should You Choose?
- Choose Aave V3 if you are users seeking deep liquidity, a wide asset selection, and battle-tested smart contracts.
- Choose Spark if you are stablecoin-focused lenders and borrowers, especially those already in the MakerDAO ecosystem.
- Compare rates above to see which protocol currently offers better rates for your specific asset and chain.
For real-time monitoring of your positions on either protocol, DeFi Monitor provides automated health factor alerts via Telegram and Discord.
Compare Aave V3 and Spark lending protocols — architecture, risk, rates, and TVL.
Aave V3 and Spark represent different approaches to decentralized lending. Aave V3 uses a pooled liquidity model where all depositors share a single lending pool per asset. It supports Efficiency Mode (E-Mode) for correlated asset pairs, enabling higher capital efficiency with lower liquidation thresholds.
In contrast, Spark is a lending protocol within the MakerDAO / Sky ecosystem, originally forked from Aave V3. It maintains deep DAI and USDS liquidity through its direct connection to the Maker protocol, offering competitive stablecoin lending rates.
With $12.2B in TVL across 2 chains, Aave V3 offers 60 markets, while Spark has $5.3B in TVL with 16 markets across 1 chain. Aave V3 is best suited for users seeking deep liquidity, a wide asset selection, and battle-tested smart contracts. Spark is better for stablecoin-focused lenders and borrowers, especially those already in the MakerDAO ecosystem.