Provider at a glance
- Category
- Flash Loan Venues
- Entity
- All 2 Spark products
- Official website
- docs.spark.fi
Independent rankingchecked How it works
Details
Scored 76 out of 100 under methodology 2026.10.18, from the evidence read in September 2026.
SparkLend
Lending market forked from Aave v3
Flash Loan Venues
#5 Overall
Ranked #5 of 8 flash loan venues in the published ranking
76
ChainChoice Score
The ChainChoice Score, shown against 100: published scores run from 41 to 99.- High evidence confidence
Is SparkLend right for you?
Look elsewhere if these come first
- Single-transaction borrowable depth8/10 here; Aave V3 scores 10
- Loan cost in basis points8/10 here; Dai Flash Mint (DssFlash) scores 9
- Integration surface8/10 here; Dai Flash Mint (DssFlash) scores 10
- Venue incident record6/10 here; Dai Flash Mint (DssFlash) scores 8
Not yet tested for your country. Markets it lists: Global.
to test where you can use it.
The rank above is the published one, the same for every reader. Find my best flash loan venue shows where it lands for you.
What will SparkLend cost you?
Not priced on this basis
- Your monthly volume
- $1k
How safe is SparkLend?
- Evidence: verified4 of 4 criteria rest on quoted, sourced receipts. Read September 2026.
- LicenceMiCA (EU): no register record on file here.
Alternatives to SparkLend
Compare all 4- 2Dai Flash Mint (DssFlash)5 points above · stronger on integration surface (10 against 8)81
- 3Uniswap v4 (flash accounting)1 point above · stronger on incident record (8 against 6)77
- 4Aave V31 point above · stronger on borrowable depth (10 against 8)77
For your setup
Find out if SparkLend fits you
The rank above is the published one — the same for every visitor. Answer the category's questions and this section shows where SparkLend lands for you, which criteria your answers weight up, and which stated needs the record does or does not meet. The published rank stays beside it.
- A few questions
- No account required
- Ranking-blind: no commercial input
- Personalised in under 60 seconds
Find my best flash loan venueNothing is inferred from clicks, popularity or commercial value.
Why this rank
Why SparkLend ranks #5
Each strength is read from evidence on a 0–10 ladder and weighted as the published methodology states. The 32 objective points these produce (24.3 here) sit inside the score; availability, friction, trust record and measured data add the rest.
4 published criteria · Σ weight 100
CriterionWeightStrength · 0–10ScoreContrib.MedianBestRankEvidence
308+7.687.510#3/8Loading evidence…
288+7.178.510#5/8Loading evidence…
228+5.638.010#4/8Loading evidence…
206+3.847.59#6/8Loading evidence…
Hairline = best in this ranking · tick = its median · a missing bar is "not scored", never zero
Margin−1behind Aave V3, #4
RobustnessOne point from changingacross a one-point change to each of its 4 criterion scores, the re-run scores 74–78 and ranks #3–#5
Evidence4 of 4 scored4 quoted, 4 with a source link
What would move the rank
Each line is the ranking run again with one of SparkLend’s criterion scores changed and every other value held: the smallest whole-point change on that criterion that moves its rank, and where the re-run puts it. Up to 4 climbs and 3 falls are listed, smallest change first. Nothing here is a forecast.
Single-transaction borrowable depth 8 → 9 on its ladder · passes Aave V3+178#5 → #3
Loan cost in basis points 8 → 9 on its ladder · passes Aave V3+177#5 → #3
Integration surface 8 → 9 on its ladder · passes Aave V3+177#5 → #4
Venue incident record 6 → 7 on its ladder · passes Aave V3+177#5 → #4
Single-transaction borrowable depth 8 → 3 on its ladder · Uniswap v3 flash swaps passes it−566#5 → #6
Loan cost in basis points 8 → 2 on its ladder · Uniswap v3 flash swaps passes it−665#5 → #6
Integration surface 8 → 1 on its ladder · Uniswap v3 flash swaps passes it−766#5 → #6
Smallest climb: single-transaction borrowable depth 8 → 9 passes Aave V3, #4.
Strengths
0 from the score dataWhere it leads
No scored criterion is at or within one point of the category best, so no strength can be stated from the data.
Tradeoffs
4 from the score dataWhere it trails
Not for readers who put first
- Single-transaction borrowable depth — 8/10 against a category best of 10/10
- Loan cost in basis points — 8/10 against a category best of 10/10
- Integration surface — 8/10 against a category best of 10/10
- Venue incident record — 6/10 against a category best of 9/10
Record watch-outs
- The revert for flash-loan-into-debt arrives late, and Spark says so: 'The revert is an if/else branch in the post-callback settlement loop, not upfront validation: the receiver's executeOperation runs first, and the transaction reverts when the offending leg is settled.' Code ported from Aave that passes a non-zero interestRateModes will burn the full gas of the callback before failing.
Competitive position
Where SparkLend leads and where it trails
Rank on every objective dimension among the rows scored on it. A criterion in the top third of its pool is listed as a lead, the bottom third as a trail; the middle is neither. Popularity, size and commercial terms are not dimensions.
Availability#1 / 814.0 of 20 · constant here
Published criteria#5 / 818.2 of 30 · best 20.7
Friction#1 / 82.7 of 10 · constant here
Trust record#1 / 83.2 of 8 · constant here
Measured data#1 / 88.3 of 18 · constant here
Where SparkLend leads
- Single-transaction borrowable depth#3 / 8
Where it trails
- Venue incident record#6 / 8
Closest alternatives
The 3 nearest rows by score
Nearest by published score in either direction. Each card states the criteria on which the two rows differ and the cost difference under the same scenario inputs; the compare arithmetic below shows why the higher one ranks higher.
Aave V3#4 of 8 · score 77 · 1.0 point ahead
SparkLend leads on
- Loan cost in basis points8 vs 5
Aave V3 leads on
- Single-transaction borrowable depth10 vs 8
- Integration surface9 vs 8
- Venue incident record7 vs 6
Largest single reason Aave V3 is ahead: published criteria (+1.3 display points).Scenario cost: Aave V3 has no verified pricing for this scenario.
Uniswap v4 (flash accounting)#3 of 8 · score 77 · 1.0 point ahead
SparkLend leads on
- Integration surface8 vs 6
Uniswap v4 (flash accounting) leads on
- Loan cost in basis points9 vs 8
- Venue incident record8 vs 6
Largest single reason Uniswap v4 (flash accounting) is ahead: published criteria (+1.6 display points).Scenario cost: Uniswap v4 (flash accounting) has no verified pricing for this scenario.
Dai Flash Mint (DssFlash)#2 of 8 · score 81 · 5.0 points ahead
SparkLend leads on
- Single-transaction borrowable depth8 vs 7
Dai Flash Mint (DssFlash) leads on
- Loan cost in basis points9 vs 8
- Integration surface10 vs 8
- Venue incident record8 vs 6
Largest single reason Dai Flash Mint (DssFlash) is ahead: published criteria (+5.2 display points).Scenario cost: Dai Flash Mint (DssFlash) has no verified pricing for this scenario.
Against the leader
82 vs 76 · gap 6.0Why Morpho (Morpho Blue) ranks above SparkLend
The compare workspace's arithmetic applied to these two rows. Each dimension's share of the gap is its weight × the difference, on the displayed scale — it reproduces the displayed gap of 6.0 to within rounding.
DimensionThisMorpho (Morpho Blue)Gap share
Availability · 23% weight · constant here14.014.0same
Published criteria · 35% weight18.220.7−6.5, worse
Friction · 12% weight · constant here2.72.7same
Trust record · 9% weight · constant here3.23.2same
Measured data · 21% weight · constant here8.38.3same
Published criterionThisMorpho (Morpho Blue)Points
Single-transaction borrowable depth · w3089−0.96, worse
Loan cost in basis points · w28810−1.79, worse
Integration surface · w2287+0.70, better
Venue incident record · w2068−1.28, worse
Net7682−6.0
Your scenario
SparkLend is not priced for this scenario
Trading fee on your volume for a year. Excludes network gas and any withdrawal fee. Change an input and every figure recomputes from the published rate; the published rank does not move.
your cost/yr · default scenario — set your own
Your monthly volume · your input$1k
Rate read from the provider’s published pricing ↗ on 27 September 2026.
your cost/yrCost is stated as your cost/yr in USD; it is never a yield, never annualised, and it does not enter the score.
Not priced on this basis
Under the default inputs · USDCategory medianNot priced0 of 8 rows priced
Cheapest pricedNone pricedDifference not stated · availability not applied — set your country to filter
8 of 8 rows in this ranking have no verified rate for this scenario and are absent from the median, not counted as free.
Evidence
Evidence read 27 September 2026
One row per published criterion: the page each strength was read from, its source type by domain, the reading date and whether the file and the published table agree. Open a row for the quote and the receipt.
4 of 4 cells scored
Score evidenceVerified4 of 4 criteria reconstruct from receipts
4 of 4 criteria reconstruct from a quoted, sourced receipt equal to the published strength.Public receiptsReading…4 quoted with a source URL
The receipt file has not been read yet.Evidence confidenceHighcoverage and corroboration, never freshness
4/4 criteria scored, with 4 dated sources quoted.RobustnessOne point from changingrank #3 to #5 across one-point re-runs
Whether the position holds when one criterion score is changed by one point and the ranking is run again. It is always a re-run of the ranking, never an estimate.The newest evidence read on the platform is 3 November 2026; this category's reading is older. The scores stand as read on 27 September 2026.
Reading the evidence ledger…
CriterionSourceTypeReadFreshnessStatusReceipt
Single-transaction borrowable depthstrength 8 · weight 30Report an error—27 September 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.Loan cost in basis pointsstrength 8 · weight 28Report an error—27 September 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.Integration surfacestrength 8 · weight 22Report an error—27 September 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.Venue incident recordstrength 6 · weight 20Report an error—27 September 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.How you can lose money here, and what the ranking scores
- Contract failure (SparkLend 6/10): the code holding the funds is exploited.Scored by Venue incident record · 20%
Not assessed by this ranking: Control failure. A high place says nothing about these; the Methodology tab says what each means. Also scored, as cost, quality or a summary of several families: Single-transaction borrowable depth (30%), Loan cost in basis points (28%), Integration surface (22%).
Facts
facts, not scoresWhat the record publishes
- Pricing
- Zero, measured, against a documented mechanism that could change it. The SparkLend flash-loan page (docs.spark.finance/dev/sparklend/features/flash-loans, fetched 27 September 2026; the former docs.spark.fi address now redirects there) states "The flash-loan fee is split between the LPs of the borrowed reserve and the protocol treasury. Both shares are bps and are governance-set via PoolConfigurator.updateFlashloanPremiumTotal and updateFlashloanPremiumToProtocol. Current values can be read from Pool.FLASHLOAN_PREMIUM_TOTAL() and Pool.FLASHLOAN_PREMIUM_TO_PROTOCOL()." Following that instruction, the SparkLend Pool at 0xC13e21B648A5Ee794902342038FF3aDAB66BE987 on Ethereum returns FLASHLOAN_PREMIUM_TOTAL() = 0 and FLASHLOAN_PREMIUM_TO_PROTOCOL() = 0 at block 26070891 (27 September 2026), as it did at blocks 25698615 and 25702344 in August. The same page documents a waiver: "For flashLoan (multi-asset), the total fee is waived for msg.senders holding FLASH_BORROWER_ROLE on the ACLManager. For flashLoanSimple, the fee is never waived."SparkLend — official page at docs.spark.finance ↗ · 27 September 2026
- Prices published in
- USDSparkLend — official page at docs.spark.finance ↗ · 27 September 2026
- Licences held
- Not published
- Compliance level
- partial
- Regulatory note
- Not published
- Supported chains
- Multi-chain
- Markets served
- global
- Primary markets
- Not published
- Restricted markets
- Not published
- Operating limits
- Not published
- Availability note
- Not published
Legal entity on file: Spark, placed in 2 products. Only confirmed entities are shown; nothing is inferred from the brand name.
If something goes wrong with SparkLend: where to complain, and where to report a scam
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How this page is reviewed
Reviewed means this product in this category was read against its sources on or after that date; every ranked category is re-read at least every 45 days. Models research, extract and parse. A deterministic engine ranks. Every quote passes an adversarial refute pass.
Accountable for this review: Mathias Siemonsmeier, Founder.
How we review · Review calendar · Corrections log · How we make money
History
What the record carries
Changes to published ranks are recorded in a ledger; every step and its cause is listed on the rank-history page. The entries below begin with the current verified snapshot, then the methodology versions whose changes applied to this category, newest first.
11 methodology entries
- 27 September 2026Current verified snapshot · methodology 2026.10.18Score 76, #5 of 8. 4 of 4 criteria scored. History starts here; earlier values are not interpolated.
- 15 October 2026
2026.10.10The live-data rule names the researched market measurements a criterion reads- changed The live-data rule names a second kind of figure a score reads: a researched, dated market measurement a criterion's ladder is built on, read again on the 45-day review. /methodology/live-data lists the 14 criteria that read one; no score, rank or order changes.
- changed A saved decision is checked again on the answers the reader saved. The drift check had merged a priority suggested by the market (price swings, gas) into those answers, so a market reading could move a saved decision's #1; the published ranking never read it.
- added On every build a test reads every criterion's published ladder: one that names a market quantity or a market-data source must be declared, and every scored row of a declared criterion must carry the source and the date its figure was read.
- 10 October 2026
2026.10.8When nothing serves your country, the list shown for reference is the published ranking · platform-wide- fixed The reference list shown when nothing serves your country is the published order with the published scores, and a build check now fails any such list out of that order or with a score the ranking does not publish.
- fixed The explorer prints an overall rank only for a row the published ranking holds; a country entrant such as Coinbase Commerce for US merchants shows no overall rank.
- changed Published orders do not move. Country results change only where nothing serves the country: in India bill pay keeps Bitcoin Well first and now shows Strike second, as published; 35 such runs across all categories and countries now match the published list exactly.
- 10 October 2026
2026.10.6A criterion you require re-scores the rows that meet it · platform-wide- changed The explorer sends each criterion you require, at any band, as fit_required with your other answers; region, licence, chain and fact filters stay filters. On /best, a required criterion joins For you as a marked preference does, which needs your country; Overall stays the published ranking, filtered.
- added Every published criterion has a golden case as the explorer sends it (require:<criterion>), so the order a requirement gives is replayed and gated as the published order is, and a change to it needs an entry here.
Methodology 2026.10.18, the same published run every visitor sees · receipt flash_loans:spark_sparklend:2026.10.18:e400b7d36cdc
Are you SparkLend? Reply to this verdict, or send evidence, ask for a correction or claim the listing. Every message gets a public ticket number; none of it changes a rank unless a public page or a signed statement supports it.