DeFi Withdrawal Pressure

Figure Markets Democratized Prime has the least idle money in this screen: 24.6% 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 20 October 2026

SUPPLIED

BORROWED

IDLE
CASH

pressure rises when borrowed money grows and exits shrink

Value supplied$77.1bnAcross 20 lenders

Value borrowed$28.4bnCurrent reported balances

Money not borrowed$48.8bnAvailable across the books

Borrowed share36.8%Borrowed / supplied

Lenders below 20% idle0 of 20Tighter withdrawal room

Tightest withdrawal roomFigure Markets Democratized Prime24.6%

Largest lenderAave V3$28.6bn

Top five share79.8%Share of supplied value

Value without leader$48.6bnLargest lender removed

Borrowing concentration81.0%Top five share of borrowing

Books tight after 20% cut0 of 20Simple balance shock

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

Reward-heavy lenders4 of 20Reward rate above base rate

Middle base rate0.3%Across mapped lending pools

Middle reward rate0.0%Can be reduced

Stablecoins checked14Above $50m supply

Largest peg gapFRAX0.7%

Largest idle cash poolAave V3$16.8bn

Highest borrowed shareFigure Markets Democratized Prime75.4%

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
Figure Markets Democratized Prime	$789.2mn	$595.1mn	75.4%	$194.1mn	24.6%	0.0%	0.0%	1
Dolomite	$716.8mn	$409.7mn	57.2%	$307.0mn	42.8%	0.5%	0.5%	7
Fluid Lending	$1.3bn	$668.7mn	49.8%	$673.3mn	50.2%	2.3%	0.1%	5
Jupiter Lend	$2.0bn	$982.4mn	49.0%	$1.0bn	51.0%	3.8%	0.0%	1
Euler V2	$527.1mn	$236.8mn	44.9%	$290.4mn	55.1%	1.3%	1.3%	16
Maple	$4.6bn	$1.9bn	41.3%	$2.7bn	58.7%	5.2%	0.0%	2
Aave V3	$28.6bn	$11.7bn	41.0%	$16.8bn	59.0%	0.4%	0.1%	21
Kamino Lend	$2.2bn	$905.8mn	40.7%	$1.3bn	59.3%	1.4%	0.2%	1
Aave V4	$1.1bn	$404.3mn	38.4%	$649.5mn	61.6%	0.2%	0.6%	3
Cooler Loans	$364.7mn	$133.9mn	36.7%	$230.8mn	63.3%	0.0%	0.0%	1
SparkLend	$7.8bn	$2.7bn	34.9%	$5.1bn	65.1%	0.3%	0.4%	2
HyperLend Pooled	$486.2mn	$164.4mn	33.8%	$321.8mn	66.2%	0.1%	0.0%	1
Morpho Blue	$16.7bn	$5.6bn	33.7%	$11.1bn	66.3%	1.5%	0.8%	45
Aave Horizon RWA	$375.9mn	$122.5mn	32.6%	$253.4mn	67.4%	0.0%	0.0%	1
Compound V3	$2.0bn	$643.5mn	31.7%	$1.4bn	68.3%	0.3%	0.0%	10
Lista Lending	$1.4bn	$438.3mn	31.0%	$974.4mn	69.0%	0.7%	0.1%	2
Venus Core Pool	$1.6bn	$362.3mn	22.4%	$1.3bn	77.6%	0.2%	0.0%	8
cap	$281.3mn	$56.0mn	19.9%	$225.3mn	80.1%	0.0%	0.0%	1
EtherFi Borrowing Market	$344.2mn	$43.2mn	12.5%	$301.0mn	87.5%	0.0%	0.0%	2
JustLend V1	$3.9bn	$209.2mn	5.4%	$3.7bn	94.6%	0.1%	0.5%	1

Figure Markets Democratized Prime has the least idle money in this screen: 24.6% 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$77.1bn

Without Aave V3$48.6bn

All borrowed value$28.4bn

All idle money$48.8bn

The top five lenders hold 79.8% of supplied value. This is a concentration and withdrawal-pressure screen, not a failure prediction.