NAVI vs Suilend vs Scallop: Top Sui Lending Protocols for Max Yields 2026
In the high-speed world of Sui DeFi lending 2026, protocols like NAVI, Suilend, and Scallop dominate the race for maximum yields. With Sui’s object-centric architecture enabling parallel execution and sub-second finality, these sui lending protocols deliver borrowing rates as low as 1-3%, lending APYs pushing 15-30%, and liquidity depths that rival Ethereum’s top players. As TVL surges past $1.5 billion across the ecosystem, choosing the right one hinges on data: market share, revenue, user growth, and risk-adjusted returns. NAVI holds 48% dominance with $534 million TVL; Suilend boasts $647 million; Scallop crushes revenue records at $79,920 daily. Let’s break down the metrics that matter for best sui lending markets.
NAVI Protocol Dominates Sui Lending Market Share
NAVI stands out with unmatched scale. By October 2025, it amassed over 800,000 users and TVL exceeding $200 million, ballooning to $534 million amid 200% quarterly growth. In BTC lending, NAVI commands 61.79% share, locking 1,299 BTC, dwarfing competitors. Supported assets include SUI, USDC, USDT, wETH, wBTC, with isolated pools and flash loans minimizing liquidation risks. Navi sui yields shine: lenders earn competitive APYs on stables around 10-15%, boosted by liquidity staking. Backed by OKX Ventures and Hashed, NAVI’s NAVX token trades at $0.007161, up 0.56% in 24 hours. Its open borrows lead Sui, signaling deep liquidity for efficient suilend borrowing alternatives.
NAVI leads Sui’s lending market with ~48% dominance and highest open borrows.
For yield farmers, NAVI’s overcollateralized model offers low-risk entry. Data from DefiLlama shows borrowing rates under 5% for SUI, ideal for leveraged positions without excessive volatility exposure. User adoption metrics underscore reliability; no major exploits, plus upcoming features like advanced oracles enhance precision.
Suilend Excels in Diverse Collateral and High APYs
Suilend disrupts with segregated pools supporting NFTs as collateral, LP tokens, and multi-asset strategies. Hitting $647 million TVL by May 2025, it captures 37.42% BTC lending share. The SEND token powers leveraged staking at 30% APY for SUI, 15% for stables, backed by a $2.7 million buyback. Minimal fees and insurance fund add layers of security, making it a top pick for scallop sui apy chasers seeking diversification.
Borrowing SUI at 2-4% while lending wBTC yields 12-18%, per Bitcompare data. Suilend’s intuitive UI lowers barriers, driving rapid adoption. In a 2026 landscape favoring composability, its integration with Ethena’s suiUSDe expands yield strategies across trading and lending.
Sui Lending Protocols Price Predictions: NAVI (NAVX), Suilend (SEND), Scallop (SCA) 2027-2032
Forecasts based on 2026 TVL growth, market share, user adoption, and Sui DeFi trends (prices in USD)
| Year | NAVI Min Price | NAVI Avg Price | NAVI Max Price | Suilend (SEND) Min Price | Suilend (SEND) Avg Price | Suilend (SEND) Max Price | Scallop (SCA) Min Price | Scallop (SCA) Avg Price | Scallop (SCA) Max Price |
|---|---|---|---|---|---|---|---|---|---|
| 2027 | $0.0050 | $0.0300 | $0.1200 | $0.1200 | $0.5000 | $2.0000 | $0.0300 | $0.1000 | $0.4000 |
| 2028 | $0.0080 | $0.0800 | $0.3500 | $0.2000 | $1.2000 | $5.0000 | $0.0500 | $0.2500 | $1.0000 |
| 2029 | $0.0120 | $0.2000 | $1.0000 | $0.3000 | $3.0000 | $12.0000 | $0.0800 | $0.6000 | $2.5000 |
| 2030 | $0.0200 | $0.5000 | $2.5000 | $0.5000 | $7.0000 | $25.0000 | $0.1200 | $1.5000 | $6.0000 |
| 2031 | $0.0350 | $1.2000 | $6.0000 | $0.8000 | $15.0000 | $50.0000 | $0.2000 | $3.5000 | $15.0000 |
| 2032 | $0.0500 | $3.0000 | $12.0000 | $1.2000 | $35.0000 | $100.00 | $0.3000 | $8.0000 | $30.0000 |
Price Prediction Summary
Bullish long-term outlook for Sui’s top lending protocols amid DeFi expansion. NAVI leads with strong TVL (~$534M peak) and 800k+ users, projecting 400x avg growth by 2032. Suilend’s $647M TVL and features drive higher multiples (140x avg). Scallop’s revenue records support 80x avg upside. Min prices reflect bear markets; max capture bull cycles.
Key Factors Affecting NAVI Price
- Sui ecosystem TVL surge and lending dominance (NAVI 48-61% share)
- Protocol innovations: isolated pools, flash loans, BTCfi, leveraged staking
- User adoption growth (NAVI 800k users) and exchange listings
- Crypto bull cycles tied to BTC halvings (2028, 2032)
- Regulatory clarity boosting DeFi accessibility
- Competition dynamics and market share shifts among NAVI, Suilend, Scallop
- Macro trends: stablecoin integration (suiUSDe), NFT collateral, insurance mechanisms
- Technological upgrades on Sui for scalability and security
Disclaimer: Cryptocurrency price predictions are speculative and based on current market analysis.
Actual prices may vary significantly due to market volatility, regulatory changes, and other factors.
Always do your own research before making investment decisions.
Scallop Powers Ahead on Revenue and Efficiency
Scallop’s edge lies in execution. March 2025 saw $79,920 in 24-hour revenue, second only to Aave globally, with vote-escrow incentives spiking borrowing activity. Features like asset-collateral separation reduce smart contract risks, while 15% APYs on select pools attract steady capital. Holding 0.79% BTC share, it prioritizes user experience over sheer size, but revenue metrics signal outsized returns for suppliers.
Reddit threads highlight Scallop’s low-risk profile alongside Cetus for 15% steady yields. In Sui’s BTCfi push, Scallop enables BTC earning via lending pools without bridges, aligning with ecosystem goals. For 2026 max yields, its efficiency converts protocol fees into token buybacks and boosts, outpacing pure TVL plays.
Drilling into the numbers reveals why these sui defi lending 2026 protocols pull ahead. NAVI’s liquidity depth supports $534 million TVL with borrowing utilization rarely exceeding 70%, keeping rates stable at 2-5% across majors like SUI and USDC. Suilend edges on yields, where multi-collateral LP lending pushes SUI APYs to 30%, but its NFT support introduces marginal volatility risks during market dips. Scallop counters with revenue-to-TVL efficiency over 0.015%, translating to sustainable supplier rewards without diluting token value.
Head-to-Head Metrics: APYs, Rates, and Risk Profiles
Stacking the data side-by-side exposes trade-offs. NAVI prioritizes volume, commanding 61.79% BTC lending share versus Suilend’s 37.42% and Scallop’s 0.79%, per Cointime analytics. This dominance funnels higher borrow demand, yet navi sui yields hold steady at 10-15% for stables, outlasting flashier peaks. Suilend’s SEND-fueled boosts hit 30% on SUI staking, ideal for aggressive plays, but insurance fund coverage sits at 5% of TVL, demanding vigilant monitoring. Scallop’s vote-escrow model amplifies borrowing velocity, yielding 15% on pools with separation mechanics slashing liquidation events by 40% compared to peers.
NAVI vs Suilend vs Scallop: Key Comparative Metrics
| Protocol | TVL | Lending APY (SUI/Stable) | Borrow Rates | BTC Market Share | Risk Factors (e.g., Insurance) |
|---|---|---|---|---|---|
| NAVI | $534M | N/A | N/A | 61.79% (1,299 BTC) | Over-collateralized, isolated pools, flash loans |
| Suilend | $647M | 30% / 15% | Minimal fees | 37.42% | Insurance mechanism, segregated pools, multi-collateral, NFT support |
| Scallop | N/A | 15% / N/A | N/A | 0.79% | Assets separated from collateral, vote-escrow model |
Risks weigh differently. NAVI’s battle-tested isolated pools mitigate cascade failures, backed by zero exploits in 18 months. Suilend’s segregated design shines for NFTs, but broader asset exposure amplifies oracle dependencies. Scallop’s revenue surge funds robust audits, yet smaller BTC slice signals concentration risk in non-BTC pools. For best sui lending markets, blend them: supply stables to NAVI for baseline 12%, leverage Suilend for SUI upside, harvest Scallop fees via borrows.
NAVI’s 800,000 users signal network effects; Suilend’s $647 million TVL screams growth; Scallop’s $79,920 daily revenue proves profitability.
Yield Maximization Strategies Across Protocols
Optimize with data-backed plays. Start conservative: deposit USDC into NAVI at 12% APY, borrow SUI at 3% for Cetus liquidity mining, netting 20% and risk-adjusted. Pivot to Suilend for suilend borrowing at 2%, collateralizing wBTC to loop 25% yields on SEND staking, amplified by buybacks holding NAVI’s cousin token at $0.007161. Scallop suits delta-neutral: lend BTCfi assets at 15%, escrow votes for fee shares, capturing 18% effective amid Sui’s sub-second txns.
Cross-protocol composability elevates returns. Ethena’s suiUSDe integrates seamlessly, layering 5-10% extra via Aftermath swaps post-Scallop borrows. Monitor utilization ratios weekly; NAVI hovers 65%, Suilend 75%, Scallop 55%, per DefiLlama. In 2026’s BTCfi boom, allocate 40% NAVI for depth, 35% Suilend for yield spikes, 25% Scallop for efficiency, rebalancing quarterly on TVL shifts.
Charts confirm momentum. NAVI’s TVL trajectory mirrors 200% QoQ ramps, Suilend’s SEND APY sustains 25% floors, Scallop’s revenue hockey-sticks past $2 million monthly. With Sui’s parallel processing slashing gas to pennies, these protocols unlock scallop sui apy without Ethereum friction. Position now: NAVI for anchors, Suilend for sails, Scallop for wind. Yields compound fastest where data meets execution.
