# How to Use SparkLend (2026)

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**Publisher:** Decentralized Finance Publication
**Difficulty:** Intermediate · **Read time:** 9 min read

## Summary

To use SparkLend: visit app.spark.fi, connect an Ethereum wallet, supply assets (ETH, USDC, DAI) to earn yield, or borrow against collateral. Spark may offer subsidised USDS borrow rates via Sky's D3M module. sUSDS holders earn the Sky Savings Rate separately at sky.money.

## SparkLend vs Aave

SparkLend uses Aave V3 smart contracts under Sky governance. It focuses on assets relevant to the Sky ecosystem — DAI, USDS, ETH, stETH — and may offer promotional borrow rates for USDS.

## Step-by-step

### Step 1: Connect wallet

Open app.spark.fi on Ethereum mainnet. Connect MetaMask or Rabby.

### Step 2: Supply assets

Choose Supply, select an asset (e.g. USDC), enter amount, and confirm. You receive spTokens representing your deposit plus accrued interest.

### Step 3: Borrow (optional)

Enable an asset as collateral, then Borrow against it. Monitor health factor — below 1.0 triggers liquidation.
## FAQ

**Q: Is SparkLend the same as Aave?**

SparkLend is a fork of Aave V3 governed by Sky Protocol, not Aave DAO.

**Q: What is sUSDS?**

sUSDS is savings USDS at sky.money — it pays the Sky Savings Rate independently of SparkLend.

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