Aave Rates: Borrow and Supply APY by Market
Supply APY, variable borrow APY and utilization for every asset on every Aave market, read from each reserve's on-chain data.
Multi-chainEthereumArbitrum+3Table · StrataPlanned
DeFi Lending Rates Table: Utilization and LTV by Market
Which DeFi lending markets have the highest utilization and borrow rates right now?
Every lending market on Aave, Spark, Compound, Morpho and Euler with supply APY, borrow APY, utilization, size and its risk limits.
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Blueprint
What the table will hold.
The table as it will open in Strata. Each figure is named here and arrives with its receipt; until its data is published, its place stays empty.
One row One row per lending market and asset on each chain, at the latest readSorted by Borrow APY, highest first
| Protocol | Chain | Market | Asset | Supply APY | Borrow APY | Utilization | SuppliedUSD | BorrowedUSD | Max LTV | Liquidation threshold | Receipt |
|---|---|---|---|---|---|---|---|---|---|---|---|
- Protocol protocol Text
- The lending protocol and version, such as Aave v3, Compound v3 or Morpho Blue.
- Chain chain Chain
- The chain the market runs on.
- Market market Text
- The market or pool name; for isolated markets, the loan asset and collateral pairing.
- Asset asset Token
- The asset supplied and borrowed in this row, linked to its contract.
- Supply APY supply_apy Percent
- What suppliers earn, from the protocol's supply rate at the read block, before incentives.
- Borrow APY borrow_apy Percent
- What variable-rate borrowers pay, from the protocol's borrow rate at the same block.
- Utilization utilization Percent
- Borrowed over supplied in the market at the same block.
- Supplied supplied Exact amount
- Total supplied to the market, valued at the oracle price.
- Borrowed borrowed Exact amount
- Total borrowed from the market, valued the same way.
- Max LTV ltv Percent
- The most that can be borrowed against this asset as collateral; for isolated markets, against the market's collateral.
- Liquidation threshold liquidation_threshold Percent
- The level at which a position becomes liquidatable; for Morpho Blue, the market's lltv.
- Receipt receipt Link
- The block, contracts and calls behind the row.
Filter by Protocol, Chain, Asset.
About
What it answers, and for whom.
This table lists every covered lending market in one place, one row per market and asset, with the rate a supplier earns, the rate a borrower pays, how much of the market is borrowed and the limits that decide when a position can be liquidated. Aave, Spark, Compound, Morpho and Euler each describe their markets differently; here they share the same columns.
Sort by borrow APY or utilization to find the markets under the most demand, or by loan-to-value to compare how much each market lends against an asset. Every cell is read from the market's contracts at a named block, and the rates are the protocol's own, before incentives.
Method
How it will be measured.
Every figure will be read at a block, kept with its source and its exact read, and open a receipt anyone can re-check.
How receipts work →- Aave v3 and SparkLend rows come from getReserveData and getReserveConfigurationData per reserve: rates, supply, borrow, loan-to-value, liquidation threshold and liquidation bonus.
- Compound v3 rows come from each Comet's getUtilization(), getSupplyRate() and getBorrowRate(), with getAssetInfo() for each collateral's factors.
- Morpho Blue rows read market(id) totals, the market's lltv from CreateMarket and the borrow rate from its IRM's borrowRateView; Euler v2 rows read EVault VaultStatus events and each vault's LTV configuration.
- Per-second and per-year rates are converted to APY with the compounding each protocol uses, and sizes are valued with Chainlink latestRoundData at the same block.
The data it needs
Read from chain state and history
- lending_markets_dailyTo buildLending marketsSupply, borrow, utilization and rates per lending market (Aave, Morpho, Spark, Compound, Euler and others) at day end.
- native_prices_dailyTo buildOracle prices by dayReference prices of major assets read from on-chain oracle feeds (Chainlink latestRoundData) at each day's last block, with each round's update time.
- Aave v3 and SparkLend getReserveData and getReserveConfigurationData per reserve
- Compound v3 Comet getUtilization(), getSupplyRate(), getBorrowRate() and getAssetInfo()
- Morpho Blue market(id) totals, CreateMarket lltv and IRM borrowRateView
- Euler v2 EVault VaultStatus events and LTV configuration
- Chainlink latestRoundData for USD sizes
Questions
Questions people ask.
What is utilization in lending?
The share of a market's supplied assets that is currently borrowed. High utilization raises borrow rates under most rate models and leaves less liquidity for suppliers who want to withdraw.
What is the difference between LTV and liquidation threshold?
Loan-to-value is the most that can be borrowed against collateral when opening or increasing a loan. The liquidation threshold is the higher level at which the position can be liquidated, and the gap between them is the buffer for price moves. Morpho Blue markets use a single limit, the lltv.
Why do borrow rates differ so much between markets?
Each market has its own supply, demand and rate model. A market near full utilization charges a steep rate to attract supply, while a similar asset elsewhere may be mostly idle. Isolated markets such as Morpho's also price each collateral pairing separately.
Are these rates fixed?
No. Every rate in the table is variable and changes with each deposit, borrow and repayment. The table shows the rate at its read block, and the lending dashboards show how it moved over time.
Do the rates include incentives?
No. They are the rates the protocol pays and charges in the market's own asset. Reward programs in other tokens are listed separately where they exist.
- Loan-to-value (LTV)
- The largest share of a collateral's value that can be borrowed against it in a market.
- Liquidation threshold
- The debt-to-collateral level at which a position becomes eligible for liquidation.
- LLTV
- Morpho Blue's liquidation loan-to-value: the single limit, fixed when a market is created, above which a position can be liquidated.
- Utilization
- Borrowed assets as a share of supplied assets in a market.
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