PROTOCOL COMPARATOR

Aave V3 vs Morpho Blue vs Morpho Blue vs Morpho Blue

Same collateral. Same borrow amount. Which protocol gives you more power with less risk?

Aave V3 vs Morpho Blue — side-by-side health factor and liquidation price comparison

The most common question in DeFi lending: should I borrow on Aave V3 or Morpho Blue? The answer depends on your collateral, your borrow amount, and your risk tolerance — and the difference is bigger than most people expect. With $100,000 WBTC as collateral borrowing $60,000 USDC: Aave V3 Arbitrum gives you a health factor of 1.30, a liquidation price of $56,923, and a borrow APY of ~6.5%. Morpho Blue (WBTC/USDC, 86% LLTV) gives you a health factor of 1.43, a liquidation price of $48,837, and a borrow APY of ~5.4%. The counterintuitive result: with identical positions, Morpho gives you a higher health factor AND a lower borrow rate. This tool calculates both side by side with your exact numbers.
Your position
Update with current price
USDC / USDT / DAI
Morpho Blue: Ethereum only
Aave V3
Ethereum Mainnet
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Max LTV
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Liq. Threshold
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Liq. Penalty
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Borrow APY
Enter your position above
Morpho Blue
Ethereum Mainnet
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LLTV
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Liq. Threshold
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Liq. Penalty
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Borrow APY
Enter your position above

⚠ Parameters updated June 2026. APYs are estimates — verify on app.aave.com and app.morpho.org before any transaction.

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Aave V3 Calculator

Full HF, multi-collateral, live HF alerts
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Morpho Blue Calculator

Isolated markets, loop simulator, all pairs
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See also: Trade OptimizerLiquidation CalculatorStablecoin Risk
For informational purposes only. Not financial advice. Always do your own research before making any financial decision. Terms · Methodology