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Decentralized Finance Publication · DFR
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IntermediateBorrowing & Lending
9 min read

How to Use SparkLend (2026)

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.

Supply, borrow, and earn the Sky Savings Rate via Spark — Sky Protocol's lending front-end.

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Educational content only — not financial advice. Cryptocurrency involves significant risk including total loss of funds.

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

  1. 01

    Connect wallet

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

  2. 02

    Supply assets

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

  3. 03

    Borrow (optional)

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

Frequently asked questions

Is SparkLend the same as Aave?

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

What is sUSDS?

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

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