Morpho Average New Loan Value - 2024
January 28th, 2025

During 2024, the average loan value on Morpho was $ 123 000, ranking it as the lending protocol with the second-largest average loan value.
Compared to AAVE, the largest on-chain lending protocol, Morpho users borrow approximately 129% more on average.
Ideally decentralized protocols should use statistical credit scores to optimize loan values at user level in order to minimize liquidation events at portfolio level.
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