DeFi Lending Rates
Current supply APY, borrow APY, and pool utilization for major stablecoins across leading Ethereum money-market protocols — Aave, Compound, Spark, and Morpho. Click any column to sort. Educational only — not financial advice.
What am I looking at?
Supply APY is what a lender currently earns for depositing that stablecoin into the protocol's shared pool. Borrow APY is what a borrower pays to draw against it. Both float algorithmically with utilization — the share of supplied capital currently borrowed.
A wider supply/borrow spread generally signals higher utilization or a larger protocol reserve factor. Rates can move quickly during periods of high borrowing demand.
DeFi lending carries smart-contract, liquidation, and protocol risk distinct from simply holding the underlying asset. None of this is a buy/sell/lend/borrow signal. Educational only.
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<p style="font:12px system-ui;margin:6px 0 0"><a href="https://www.liquidstate.tech/tools/lending-rates" rel="noopener">DeFi Lending Rates</a> by Liquid State</p>DeFi Protocol Analysis for Traders — the playbook behind this signal. $29 one-time · 32 pages
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Supply/borrow APY and utilization data from the DefiLlama Yields API — no API key required.
This page is educational and for informational purposes only. It does not constitute financial advice. Editorial standards.