DeFi Lending Rate Tracker

Live supply + borrow APY across Aave V3, Compound V3, Morpho Blue, Spark, Aave V2, Euler V2, Silo — per asset, per chain. Plus utilization, supply-minus-borrow spread, LTV, and debt ceilings. The fastest way to find cheap borrow or high-yield supply opportunities. No API key required.

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What It Does

For every (protocol × chain × asset) lending pool:

• Supply APY (base + reward)
• Borrow APY (base + reward)
• Total supply / borrow USD
• Utilization % (= borrow / supply)
• Supply-minus-borrow spread (looped-yield indicator)
• LTV, debt ceiling, borrowable flag
• 1d / 7d / 30d APY change %

Covers Ethereum + Arbitrum + Base + Optimism + Polygon by default. Filterable by protocol, chain, asset.

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Why This Matters

• Borrow-rate arbitrage: cheaper USDC borrow on Compound V3 vs Aave V3 = capital flows. Catch it within the same day.
• High-utilization warning: pools at >90% utilization see borrow rates spike to liquidation-relief levels (sometimes 100%+ APY) — short-window opportunity.
• Stablecoin yield ladder: instantly rank top stablecoin supply opportunities across all protocols.
• Looped-strategy planning: pick the asset with highest supply APY > borrow APY (positive carry).

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Input

Field	Type	Default	Description
projects	array	default 7	DefiLlama project slugs (e.g. aave-v3, compound-v3, morpho-blue, spark)
chains	array	all	Chain names: Ethereum, Arbitrum, Base, Optimism, …
symbols	array	all	Symbol filter, e.g. USDC, USDT, WETH, WBTC
minTvlUsd	integer	1000000	Skip tiny pools
sortBy	string	tvl_desc	tvl_desc, supply_apy_desc, borrow_apy_asc, borrow_apy_desc, utilization_desc
limit	integer	100	Max rows
alertUtilizationPct	number	0	Telegram alert if any pool utilization ≥ X%. 0 = off
telegramBotToken	string (secret)	—	Bot token
telegramChatId	string	—	Chat ID

Example: cheapest USDC borrow across all chains

{"symbols": ["USDC"], "sortBy": "borrow_apy_asc", "limit": 20}

Example: high-utilization stress monitor

{"sortBy": "utilization_desc", "alertUtilizationPct": 90}

Example: highest supply APY for stablecoins

{"symbols": ["USDC","USDT","DAI"], "sortBy": "supply_apy_desc", "limit": 30}

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Output

{
  "project": "aave-v3",
  "chain": "Ethereum",
  "symbol": "USDC",
  "pool_id": "...",
  "tvl_usd": 580000000,
  "total_supply_usd": 612000000,
  "total_borrow_usd": 540000000,
  "utilization_pct": 88.24,
  "supply_apy_pct": 5.42,
  "supply_apy_base_pct": 5.42,
  "reward_apy_pct": null,
  "borrow_apy_pct": 6.85,
  "borrow_reward_apy_pct": null,
  "supply_minus_borrow_pct": -1.43,
  "ltv": 0.77,
  "borrowable": true,
  "stablecoin": true,
  "apy_change_1d_pct": 0.12,
  "apy_change_7d_pct": -0.31
}

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Pricing

• $0.001 per pool returned

Examples:

• Top 100 lending pools: $0.10
• USDC across all protocols: ~$0.02

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Use Cases

Daily borrow-rate watch — Schedule every 1h, filter symbols: ["USDC"], alert when borrow APY drops below your target.

Yield ladder for treasury — Rank top supply APY for stablecoins, automate movement (with your own execution code).

Utilization stress detector — Schedule every 10 min on Ethereum mainnet, alert at >95% utilization (= liquidation cascade incoming).

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Data Sources

• DefiLlama /pools (supply APY + TVL)
• DefiLlama /lendBorrow (borrow APY + total supply/borrow USD + LTV)
• No API key required

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Related Actors

• DeFi Liquidation Tracker — Liquidations spike when utilization stress hits.
• DeFi Yield Scanner — Broader yield universe beyond lending.
• EigenLayer Restaking Tracker — LST/LRT borrow rates correlate with restaking flows.

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🎬 Live Sample Run

A real run of this actor with default-ish inputs, executed on 2026-06-10:

Field	Value
Items in dataset	15
Dataset (JSON)	https://api.apify.com/v2/datasets/O5eMd9M9ggypzndIv/items?clean=1&format=json
Dataset (CSV)	https://api.apify.com/v2/datasets/O5eMd9M9ggypzndIv/items?clean=1&format=csv
Run summary (KVS)	https://api.apify.com/v2/key-value-stores/VnRFp0kbdyrpzdkQo/records/SUMMARY
Run details	https://api.apify.com/v2/actor-runs/SOUEPCL8jWHlWvP0y

Try it now: pop any of the dataset URLs in your browser to see live output, or hit the API endpoints from your code.

Want to reproduce? Click Try Actor on the Apify Store page and use the input defaults shown above.

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