Lending and borrowing protocols let users earn interest on deposits or take crypto-backed loans without intermediaries. Some, like Aave, offer flexible interest rates and flash loans. Others, such as Compound, use algorithmic models to adjust lending and borrowing rates based on supply and demand. Liquidation risks, collateral requirements, and smart contract security play key roles in their reliability. Here, we break down top lending and borrowing projects with deep reviews, expert insights, and analysis of their financial models.