DeFi Saver for Aave v4 Review 2026: Pros, Cons, & Features

DeFi Saver for Aave v4 Overview

What is DeFi Saver for Aave v4?

DeFi Saver for Aave v4 is basically a smoother, more powerful way to use the latest version of Aave – the biggest lending platform in DeFi.

Instead of using Aave directly, you’re using DeFi Saver as the interface on top of Aave.

That gives you tools Aave doesn’t offer natively, like automated leverage management, stop losses, take profits, one-click position adjustments, collateral switching, and much more.

But before we get into DeFi Saver, let’s quickly recap what Aave v4 actually is:

Aave v4 in a nutshell

Aave v4 (Aave Pro) is basically a behind-the-scenes upgrade to the Aave v3 – a DeFi lending platform that lets you earn on your crypto and/or borrow against it.

The key difference is that Aave v4 runs on one shared pool instead of lots of separate ones. That means you get better rates, deeper liquidity, and new assets can be added more easily.

It also handles risk a bit smarter, with fairer borrowing rates and less aggressive liquidations.

From a user point of view though, it still feels pretty manual.

Where DeFi Saver comes in

DeFi Saver is basically Aave with a power-user layer on top.

You can still access and manage your Aave position, but you also get automation, one-click actions, and access to 12+ other lending protocols like Morpho and Compound from the same interface.

Instead of constantly checking your position and reacting, you can just set rules and let it run.

You can automate things like adjusting leverage, protecting downside, or locking in profits, so you’re not glued to your screen.

It also cuts out a lot of the annoying steps.

Stuff that normally takes multiple actions, like borrow → swap → re-supply, is just one click, instead of several transactions.

Even moving a position from v3 to v4 can be done in one go instead of a whole process.

On top of that everything’s just easier to see. You get a clean dashboard with your risk, liquidation level, and position health all in one place.

The biggest difference is simply how it feels. Aave on its own is something you have to actively manage.

With DeFi Saver, it feels more like something that runs itself.

DeFi Saver For Aave V4 Key Features

• Set-and-forget automation: You can set rules so your position manages itself. Stuff like adding leverage when price goes up, reducing risk when it drops, or closing out at specific levels.
• Price-triggered moves: You pick exact price points where your position will add to itself or reduce risk, so it only acts when your conditions are hit.
• Auto collateral switching: Your collateral can automatically switch into a safer or riskier asset if the market moves a certain way.
• One-click actions: Things that normally take multiple steps, like borrow–swap–reinvest, can be done in a single click.
• Runs in the background: DeFi Saver's automation handles everything for you in the background in your smart wallet, so you don’t have to constantly monitor and approve transactions.
• Easy position tracking: You can see your risk level, liquidation price, and overall position health all in one place – across all apps, not just Aave v4.
• DeFi Explore: An ecosystem monitor that lets you search all positions on a protocol, including looking up specific addresses. Complete with price change simulator.

DeFi Saver For Aave V4 Fees

Using DeFi Saver itself is mostly free, but certain actions carry small fees.

If you’re just using standard Aave functions like supplying, borrowing, repaying, or withdrawing, there are no additional fees beyond what Aave charges.

There are also no fees for simply holding positions through DeFi Saver. That means no management fees, no rent fees, and no performance fees.

Service fees only apply to more complex transactions that involve token swaps.

The fee depends on the type of swap:

• 0.25% on swaps between volatile assets, such as ETH to DAI.
• 0.10% on swaps between correlated assets, such as ETH to stETH, rETH, or cbETH.
• 0.01% on stablecoin-to-stablecoin swaps.

An additional 0.05% fee applies when DeFi Saver’s automation makes an automated position adjustment.

You’ll still pay the usual external costs too, including Aave protocol costs and network gas fees.

Our Expert Review of DeFi Saver for Aave v4

I’ve been over DeFi Saver as a whole previously, and it’s definitely one of the more clever and useful tools I’ve reviewed.

In this review, I’m going to dive deeper into its Aave V4 integration specifically, and I’ll show you some of the magic it does to make your DeFi lending life a hell of a lot easier!

Let’s start with how Aave v4 looks on its own, before we dive into how DeFi Saver improves the entire experience.

What can you do directly in Aave v4?

First things first, using Aave V4 natively is already pretty clean.

Aave is the biggest lending project in the space, so they know what they’re doing with simplicity and user friendliness.

But being easy to use also comes with a kinda minimalistic offering, in terms of functionality.

Aave V4 itself only lets you do the same old basic things – supply assets, borrow against them, repay debt, and withdraw collateral. You can also manually manage your position by adding collateral or paying down loans to stay safe, but that’s about it.

But everything’s manual.

If the market moves, you need to react. If your position gets risky, you need to step in. If you want to adjust leverage, you’re doing multiple steps yourself.

There’s no automation, conditional actions, or a way to pre-program how your position should behave.

That’s where DeFi Saver comes in.

Getting started with a smart wallet position

Although you can use most of DeFi Saver's Aave v4 features through regular wallets, a few of the best ones work through Safe smart wallets.

That’s what unlocks the fun stuff like automation, one-click boost and repay, stop losses, take profits, collateral switching, and Loan Shifter.

So when you create an Aave v4 position through DeFi Saver, that position gets set up inside a smart wallet for you.

You just connect your regular wallet, choose Aave v4, pick what you want to supply and borrow, then approve the transaction.

From there, DeFi Saver creates the position in a smart wallet, and that’s when the special tools become available.

Your regular wallet still stays in control – it connects to DeFi Saver, signs transactions, and owns the smart wallet.

The smart wallet is basically where your Aave v4 position lives.

That’s what lets DeFi Saver bundle actions together, manage things more efficiently, and run your automation rules in the background.

Loan shifter (migration tool)

Now if you’re already a DeFi Saver user, the Loan Shifter tool is perfect to use right here!

If you’re not a user yet, keep reading anyway – it’s such a nifty feature that you’ll wanna hear about it.

Loan Shifter lets you move any loan that you have open in a smart wallet to a different protocol or pool.

What does that mean?

Imagine you have an active loan in Aave v3, and you want to shift it to v4.

Without Defi Saver, you’d have to:

1. Repay the loan
2. Withdraw your collateral
3. Swap the collateral asset (if you want to change what you’re borrowing against)
4. Deposit the collateral in the new protocol
5. Borrow against the asset with new terms.

That’s at least 4-5 steps, and sometimes even more. You also have to switch websites, connect to multiple apps, and quite frankly – I would’ve given up already.

But check this out…

If you use DeFi Saver’s loan shifter tool, you can do this all in ONE single transaction.

How cool is that? You can even completely change the assets you’re supplying and borrowing, if you wanna switch it up.

But remember – this works only with your smart wallet positions!

The basics (and how DeFi Saver improves them)

Just in case you’re wondering, DeFi Saver isn’t just extra features on top of Aave v4. It does all the core stuff too – so you still have full manual control if you want it.

You can supply, borrow, repay, withdraw, add or remove collateral, and shift positions, all from the same place.

You also get a much cleaner portfolio view, where you can track your positions across Aave and other protocols in one place.

But where DeFi Saver really stands out is how those same actions work.

On native Aave, even simple adjustments to your LTV can turn into a bit of a process.

Increasing your position (known as “boosting” your position) means borrowing, swapping into more collateral, then supplying again, each step needing its own transaction.

Same with reducing risk (known as “repaying” your position). Instead of manually selling collateral and repaying step by step, it all happens in one go.

With DeFi Saver, those steps can be bundled together. You can boost, repay, or combine actions like boosting and adding collateral in a single transaction.

So you’ve still got full control when you want it, but a much faster, simpler way to actually execute.

Saves a bunch of gas fees and transaction waiting times too!

Automation layer (the main differentiator)

The automation features are where things get really cool.

Like I mentioned above, Aave v4 on its own is all manual work – that means keeping an eye on positions all the time, and manually adjusting them with multiple steps.

DeFi Saver makes it so that you can pre-set rules that will let your Aave v4 position manage itself.

Automated leverage management (auto-boost + auto-repay)

This basically keeps your position “in range” for you, continuously.

You set a target level of risk, and the system adjusts your position to stay around it.

If your position starts getting risky, it automatically sells a bit of collateral and pays down debt. If things improve, it borrows and adds back to your position to increase exposure again.

You no longer have to constantly watch your health factor or jump in during volatile moves.

Normally, you’d be checking your position, doing the math, and making multiple transactions just to stay safe or optimized. Here, it just happens in the background.

Stop loss + take profit (onchain)

This lets you fully close your position automatically at prices you choose, either to cut losses or lock in gains.

You set a downside level (stop loss) and an upside level (take profit), and if either gets hit, the system closes everything for you.

That means selling collateral, repaying debt, and leaving you with the remaining balance, all in one go.

You decide the outcome in advance, and the system executes it exactly when needed.

Trigger-based actions

Boost on Target Price increases your leverage when price hits a level you choose. It lets you wait for confirmation and execute instantly, instead of trying to time things manually.

Repay on Target Price reduces your leverage at a level you set. It’s a simple way to de-risk automatically without second guessing.

Overall, these let you plan actions in advance instead of reacting on the fly.

What’s the key difference between this and automated leverage management above?

These are one-off price triggers, while auto-boost/repay runs continuously to keep your position within a set range.

Collateral switching

This one’s pretty self-explanatory: it swaps your collateral into another asset when price hits a level you set.

Where I could see it becoming most useful is in situations where you’ve gotta react fast.

Say you’re using $ETH as collateral – you can set it to switch into stablecoins if the price drops. Instead of rushing to do it manually, it’s already taken care of.

Doing that by hand would mean multiple steps, withdraw, swap, then re-supply, all while the market’s moving.

Aave v4, without the friction

The simplest way to describe Aave v4 with DeFi Saver is that it feels like running a trading bot, but for lending positions.

You’ve got automated leverage, onchain stop losses, and simple rules tied to price levels, so your position can react without you needing to jump in every time.

On top of that, a lot of the usual multi-step stuff gets compressed into one transaction.

Instead of bouncing between tabs or doing things step by step, it just happens in one go – which saves time, avoids mistakes, and can help on gas fees too.

DeFi Explore Feature

If you want to actively monitor your Aave v4 positions, or even track what other wallets are doing, DeFi Saver’s Defi Explore page is super useful.

You can find any address you want to track (including your own) using the search box shown below, or simply scroll through open positions – sorted and filtered to your liking.

You can check out the details of any of these positions in an easy-to-analyze format.

I tested it on the largest Aave v4 loan at the time: someone borrowing almost $2.9M of $USDG against $WETH.

The thing I thought was coolest about this tool was the ability to simulate price changes – you can see what positions would look like at theoretical price points for both the collateral and the borrowed asset.

I used that feature to see what would happen if WETH dropped to $1,500:

The tool showed me everything from the updated health factor to the new collateral value, borrow value, and more.

It even showed that the position would be liquidated at that price, which is a pretty valuable insight if you’re trying to understand where big market pressure points could show up.

And if you check your own position in DeFi Explore, you can click the “Manage via DeFi Saver” button to jump straight into the DeFi Saver dashboard and adjust it from there.

DeFi Saver Customer Service

DeFi Saver is decentralized, so support can’t log into your account, reverse transactions, or move funds for you.

Your positions still run through smart contracts, and you stay in control of every action.

There’s solid documentation that walks through most features, and it’s actually pretty useful if you get stuck.

But you’re not left on your own to figure it out, either.

Matter fact, DeFi Saver created an entire blog post dedicated to arguing how important customer service in DeFi.

They have an active support team that can help users understand position issues, failed transactions, slippage, liquidation risk, deprecated protocols, and other DeFi-specific problems that aren’t always easy to Google.

Users can contact the team through the official DeFi Saver Discord, either in the public channel or through private support tickets.

I tried of the Discord support channel myself by opening a ticket, which got a helpful response from a human helper in less than 8 hours:

There’s also solid documentation, an active community across X, Farcaster, and Reddit, plus GitHub for more technical users.

Just make sure you use official channels.

Who’s DeFi Saver For?

• People who want more control: You can go beyond just supplying and borrowing, and actually decide how your position behaves.
• People actively managing leverage: Automation takes a lot of the pressure off and means you’re not constantly adjusting things yourself.
• People using multiple protocols or thinking in strategies: You can keep everything in one place and set things up ahead of time instead of reacting on the fly.

Who’s DeFi Saver Not For?

• People brand new to DeFi: There’s a bit more going on here, so it can feel like a lot at first.
• People just earning passive yield: If you’re only supplying and leaving it, most of this won’t really matter.
• People who want something super simple or custodial: You’ll still need to use your own wallet and be a bit hands-on.

DeFi Saver for Aave v4 Alternatives

DeFi Saver vs. using Aave v4 natively

DeFi Saver builds on top of Aave v4 rather than replacing it.

Aave v4 on its own is clean and simple, but everything is manual, so you’re constantly managing risk, adjusting leverage, and reacting to market moves yourself.

DeFi Saver adds automation, one-click execution, and a much deeper dashboard, which turns that same position into something you can pre-program and let run.

DeFi Saver vs. Instadapp

Instadapp currently only supports Aave v3 and not v4, so you’re working with an older version that doesn’t have the same improvements.

You can still bundle actions and make things easier than using Aave directly, but the automation and strategy tools aren’t as deep.

Overall, DeFi Saver is more built for advanced, automated setups on v4, while Instadapp is simpler and easier to get into.

Is DeFi Saver Safe to Use?

At a basic level, DeFi Saver is non-custodial, so your funds stay in your wallet or in smart contracts, not held by the platform.

The trade-off is smart contract risk.

When you use it with Aave v4, you’re relying on both systems working properly. Most of the time they do, but there’s always a small chance something goes wrong.

One example is the April 2026 rsETH incident, where unbacked tokens were minted due to a bridge issue. Aave worked as normal and DeFi Saver wasn’t affected, but users were still impacted via bad collateral.

DeFi Saver has handled over $1B in Aave v3 positions, so it’s been used in real conditions. It’s not risk-free, but it’s definitely not untested.

DeFi Saver Founders

DeFi Saver was started in 2019 by Nenad Palinkašević, together with a team of Web3 enthusiasts.

The idea actually came from him almost getting liquidated during a crash. Managing positions in DeFi was stressful and easy to mess up, so the goal was to build tools that automate a lot of that pressure away.

It started as a small tool for Maker and grew into a full platform that now supports protocols like Aave and more advanced strategies.

Has DeFi Saver Been Audited?

Even though it sits on top of other protocols, DeFi Saver still uses its own smart contracts to run things like automation and smart wallets.

Those contracts have been audited by firms like ConsenSys Diligence and Dedaub. That helps catch issues early, but it doesn’t guarantee nothing can go wrong.

Think of audits as reducing risk, not getting rid of it altogether.

Bug Bounty Program

DeFi Saver also runs a bug bounty through Immunefi, with rewards going up to $350,000 for serious bugs.

That basically means independent security researchers are constantly looking for problems, which is a good thing.

Overall, it’s about as safe as most established DeFi tools. You stay in control of your funds, but you’re also responsible for understanding the risks that come with that.

Final Thoughts On DeFi Saver For Aave v4

DeFi Saver basically makes Aave v4 a lot easier to use, and a lot more powerful.

Instead of managing everything yourself, you can automate your position, set stop losses and take profits, and handle multi-step actions in a single click.

You also get extras Aave doesn’t have, like easy position migration and a much clearer dashboard to see everything at a glance.

There are a couple trade-offs. You’ll pay small fees for the advanced features, need to use a smart wallet, and if you’re just lending passively, most of this is probably overkill.

But if you’re actively using DeFi or juggling multiple positions, it’s a big upgrade.

DeFi Saver For Aave v4 Frequently Asked Questions