Amply Finance

Amply Finance is a peer-to-pool lending protocol on the Cronos zkEVM chain. At the 2026-08-16 survey, it held about $0.86M on Cronos zkEVM, under one percent of our size floor. At that size, the amount one practice would move on the same research could overwhelm exits, so we do not open an individual review until the protocol clears the floor. Cronos zkEVM itself has no registry verdict, so size alone would not clear the protocol. The chain review would come first.

Review triggers: events that reopen the verdict
• TVL sustained above the retired TVL threshold for 30 days
• The Cronos zkEVM chain review resolves to approved

Watched nightly: a warning on its venues or files, or a cited document that changes, reopens the memo. The first confirmation is due 2026-11-15.

The research file

Mechanism applicability

Amply is an Aave-style peer-to-pool lending market on Cronos zkEVM. Suppliers receive aTokens and earn interest based on use by overcollateralized borrowers. Debt tokens track what borrowers owe. Lenders depend on collateral values, liquidations, and pool contracts rather than a fixed promise from one borrower. The pool now measured is below the shared version-1 size floor.

Current observation and perimeter

The DefiLlama protocol API read on 2026-08-16 classified Amply Finance as Lending and reported approximately $0.86M supplied and $0.37M borrowed, all on Cronos zkEVM. Amply’s current contract and parameter pages list only Cronos zkEVM core, aToken, and debt-token deployments. The existing chain boundary and lending classification remain supported. No evidence supports treating planned expansion as live capital.

Control and exit applicability

Amply publishes asset-specific LTV, liquidation, utilization, rate, reserve-factor, and cap settings. ACLManager and PoolConfigurator contracts control the market. Oracles and liquidators decide whether borrower collateral covers debt. A supplier can request a partial or full withdrawal, but the health factor limits collateral withdrawals from borrowing positions. Every supplier exit ultimately depends on available underlying pool liquidity.

Why the class rule decides

At approximately $0.86M supplied, a $1M advised allocation would exceed the entire system before we test its Cronos zkEVM, oracle, liquidation, or exit risks. The shared version-1 size rule therefore decides, with the unresolved chain review kept as a second test. Reopen only after TVL stays above the size floor for 30 consecutive days and the chain is approved. Then review asset and borrower concentration, admin and oracle controls, incidents, proposed-size withdrawals, legal access, and named larger alternatives.

Research status

This is a capacity-unproven record for Amply Finance, not a quality rejection or approval. Reported TVL says how big the venue is, not what the client owns, who can change the rules, or how a position exits at a proposed size. The individual review opens when the protocol clears the size floor.

Sources

The claims above trace to these. Where a number could not be independently verified, the thesis says so.

• Amply — lending mechanism · primary · accessed 2026-08-16
  Supports: supply, borrow, collateral, interest, withdrawal, lending pools
• Amply — supported assets and risk parameters · primary · accessed 2026-08-16
  Supports: Cronos zkEVM, LTV, liquidation threshold, utilization, caps, reserve factor
• Amply — withdrawal mechanics · primary · accessed 2026-08-16
  Supports: partial withdrawal, full withdrawal, health factor, redeem assets, exit
• Amply — deployed contracts · primary · accessed 2026-08-16
  Supports: Cronos zkEVM, ACLManager, PoolConfigurator, aTokens, debt tokens, oracle dependencies
• DefiLlama — Amply Finance survey record · secondary · accessed 2026-08-16
  Supports: current TVL, borrowed amount, Cronos zkEVM, Lending category, survey observation

Inherited controls

The research above describes the protocol layer. Every position also inherits the asset it holds and the chain it settles on. The layer with the most administrative power sets the position’s effective control; that describes control, not quality or suitability.