Aave app: Earn, borrow, and manage crypto with confidence

The Aave app gives you a clean, powerful way to access decentralized finance. Supply assets and earn yield, borrow against your crypto, and manage risk—all in a non-custodial experience you control. Whether you’re new to DeFi or optimizing liquidity strategies, the Aave app delivers transparent rates, flexible collateral options, and advanced tools built for speed, security, and choice.

What is the Aave app?

The Aave app is the front door to Aave’s open, non-custodial liquidity protocol. You can supply supported tokens to earn interest in real time, use your deposits as collateral to borrow, switch between variable and stable rates, and tap features like High Efficiency Mode (eMode), Isolation Mode, and flash loans. It’s designed for clarity and control, so you always know your health factor, net APY, and risk exposure before you act.

Move with clarity. The Aave app puts data, control, and security in your hands—so you can build, earn, and borrow on your terms.

Why choose the Aave app?

Because you want a streamlined DeFi experience that’s powerful without being complicated. The Aave app focuses on usability: connect your Web3 wallet, explore supported markets, view rates and caps, and execute with one click. Behind the interface sits Aave’s battle-tested smart contracts and risk framework, continuously tuned by on-chain governance. It’s the blend of robust engineering and intuitive design DeFi users rely on.

How the Aave app works (step-by-step)

1. Connect your wallet: Use wallets like MetaMask, Coinbase Wallet, Ledger, and more to access the Aave app.
2. Select a network: Choose Ethereum, Polygon, Arbitrum, Optimism, Avalanche, or other available markets.
3. Supply assets: Deposit supported tokens to earn interest; you’ll receive aTokens that accrue yield continuously.
4. Enable collateral: Toggle assets as collateral to unlock borrowing power based on LTV and risk parameters.
5. Borrow: Choose variable or stable rates, preview your health factor, and confirm your transaction.
6. Manage & optimize: Repay, withdraw, switch rates, or engage eMode/Isolation Mode for safer, more efficient strategies.

Core features you’ll use in the Aave app

Supply & Earn

Supply supported assets to the Aave protocol and earn algorithmic interest based on market demand. Your aTokens mirror your deposits and update your balance as yield accrues. Withdraw anytime, subject to available liquidity and caps. It’s flexible earning designed for transparency, with real-time APYs and total market metrics clearly displayed in the Aave app.

Borrow with Confidence

Turn your portfolio into productive collateral. Enable eligible assets as collateral, then borrow within predefined LTV and liquidation thresholds. Choose variable rates for market-aligned borrowing or stable rates for more predictable costs. The Aave app shows your health factor at all times so you can adjust positions before markets move.

High Efficiency Mode (eMode)

If your strategy focuses on correlated assets (like major stablecoins), eMode can unlock higher capital efficiency. When enabled, you’ll access optimized LTVs for eligible asset categories while still benefiting from guardrails like liquidation thresholds and isolation where applicable. The Aave app makes the trade-offs clear so you can choose confidently.

Isolation Mode

Seeking exposure to newer or more volatile assets while protecting the broader market? Isolation Mode lets you borrow only stablecoins against an isolated asset, containing risk by design. The Aave app highlights which assets are isolated and how that impacts borrowing power, helping you stay in control of downside.

Flash Loans

For developers and advanced users, flash loans allow uncollateralized borrowing within a single transaction—repay before the block ends, or the whole transaction reverts. It’s a powerful building block for arbitrage, refinancing, and complex strategy design, surfaced cleanly through the Aave app and SDKs.

Networks and tokens supported in the Aave app

Aave spans multiple networks, giving you choice and speed where you need it. Expect support across Ethereum mainnet and leading Layer 2s like Polygon, Arbitrum, and Optimism, plus additional chains such as Avalanche. Supported tokens vary by market and may include major stablecoins, blue-chip assets, and curated long-tail assets subject to risk parameters, supply caps, and borrow caps.

• 🌐 Multi-chain markets with chain-specific risk controls
• 💧 Asset caps and dynamic interest curves to balance liquidity
• 📊 Transparent parameters: LTV, liquidation thresholds, reserve factors

Security and risk management

Aave prioritizes safety. The protocol is open-source, independently audited, and supported by ongoing monitoring and bug bounties. Risk parameters are fine-tuned by governance and can be adjusted as market conditions evolve. The Aave app surfaces clear warnings, health factors, and limits—so you’re empowered to act early. DeFi carries risk, including market volatility and liquidations; use tools in the app to diversify, monitor collateral, and set conservative LTVs.

• 🔒 Non-custodial architecture; you hold your keys
• 🛡️ Governance-driven risk management and parameter updates
• 🧪 Audits, monitoring, and active bug bounty programs

Who the Aave app is for

• Earners: Supply idle assets and accrue interest passively with aTokens.
• Borrowers: Unlock liquidity without selling long-term holdings.
• Builders: Compose flash loans, automate strategies, and integrate DeFi primitives.
• DAOs & treasuries: Put idle treasury assets to work while controlling risk.

Tips to optimize your Aave app strategy

• Monitor your health factor and add collateral early in volatile markets.
• Use stable rates when predictability matters; switch back if conditions change.
• Enable eMode for correlated assets to increase efficiency where appropriate.
• Consider Isolation Mode for newer assets to compartmentalize risk.
• Diversify collateral to reduce liquidation risk from single-asset drawdowns.

Aave app vs. other ways to manage crypto

Feature	Aave app (DeFi)	Centralized lenders	Simple swap wallets
Custody	Non-custodial; you control keys	Custodial; platform holds funds	Non-custodial, but limited lending
Transparency	On-chain, open-source, auditable	Opaque, off-chain disclosures	On-chain swaps, limited risk data
Interest model	Algorithmic, market-driven	Platform-set, may change abruptly	N/A or minimal yield options
Rates	Variable or stable by choice	Typically fixed by provider	Not applicable
Advanced tools	eMode, Isolation, flash loans	Limited or proprietary	Basic send/swap only
Access	Global, wallet-based	Account-based, often geo-limited	Global, wallet-based
Risk controls	Real-time health factor & caps	Internal; not always disclosed	Minimal; no borrowing risk tools

Getting started in the Aave app

Have your wallet ready with some native gas tokens for the network you plan to use. Connect in the Aave app, pick a market, and review supported assets and parameters. Begin by supplying a small amount to learn the flow, then enable collateral and explore borrowing if it fits your plan. You can always switch rates, repay, or withdraw as conditions change—the interface is designed for clear decisions.

Common mistakes to avoid

• Borrowing to the limit without a volatility buffer
• Ignoring stable vs variable rate trade-offs
• Overlooking network fees or bridging costs
• Using non-correlated assets in eMode categories
• Failing to monitor liquidation thresholds during market swings

Make the most of the Aave app

The Aave app is built for both simplicity and depth. Supply and earn with clarity, unlock liquidity when you need it, and deploy advanced tools as your strategy evolves. With multi-chain access, a transparent risk framework, and powerful UX, Aave helps you do more with the crypto you already hold—on your terms.

Frequently Asked Questions about Aave app

Is the Aave app non-custodial?

Yes. The Aave app connects to your self-custodial wallet. You control your keys and approve each transaction. Funds reside in audited smart contracts, not on a centralized balance sheet.

How do I earn interest in the Aave app?

Supply supported assets to the protocol. You’ll receive aTokens representing your deposit; these accrue interest automatically based on supply and demand. You can withdraw anytime, subject to market liquidity and asset caps.

What’s the difference between variable and stable borrowing rates?

Variable rates track market conditions and can move with utilization. Stable rates are designed to be more predictable over time, though not guaranteed. You can switch between them in the Aave app when conditions change.

What is my health factor and why does it matter?

Your health factor measures how close your position is to liquidation based on collateral value and borrowed amount. A value above 1 means you’re safe; approaching 1 increases liquidation risk. The Aave app shows your health factor continuously.

How do liquidations work in the Aave app?

If collateral value falls or debt rises and your health factor drops below 1, part of your position can be liquidated to repay debt. Keep buffers, diversify collateral, and monitor volatile markets to reduce risk.

Which networks and wallets does the Aave app support?

Aave supports multiple networks including Ethereum, select Layer 2s, and other chains. Connect with popular wallets such as MetaMask, Coinbase Wallet, Ledger (via browser), and more. Availability may vary by chain.

Are there fees to use the Aave app?

You’ll pay network gas fees and protocol-specific fees where applicable (e.g., interest spreads, potential flash loan fees). The Aave app displays rates and costs upfront so you can decide before you transact.