# DeFi Lending Rate Tracker — Aave Compound Morpho Live APY (`gochujang/lending-rate-tracker`) Actor

Live supply + borrow APR + utilization for top assets on Aave V3, Compound V3, Morpho across Eth/Arb/Op/Base/Polygon. Find the cheapest borrow + highest supply. PPE $0.001/pool.

- **URL**: https://apify.com/gochujang/lending-rate-tracker.md
- **Developed by:** [Hojun Lee](https://apify.com/gochujang) (community)
- **Categories:** Developer tools, Automation, Other
- **Stats:** 2 total users, 1 monthly users, 100.0% runs succeeded, NaN bookmarks
- **User rating**: No ratings yet

## Pricing

Pay per usage

This Actor is paid per platform usage. The Actor is free to use, and you only pay for the Apify platform usage, which gets cheaper the higher subscription plan you have.

Learn more: https://docs.apify.com/platform/actors/running/actors-in-store#pay-per-usage

## What's an Apify Actor?

Actors are a software tools running on the Apify platform, for all kinds of web data extraction and automation use cases.
In Batch mode, an Actor accepts a well-defined JSON input, performs an action which can take anything from a few seconds to a few hours,
and optionally produces a well-defined JSON output, datasets with results, or files in key-value store.
In Standby mode, an Actor provides a web server which can be used as a website, API, or an MCP server.
Actors are written with capital "A".

## How to integrate an Actor?

If asked about integration, you help developers integrate Actors into their projects.
You adapt to their stack and deliver integrations that are safe, well-documented, and production-ready.
The best way to integrate Actors is as follows.

In JavaScript/TypeScript projects, use official [JavaScript/TypeScript client](https://docs.apify.com/api/client/js.md):

```bash
npm install apify-client
```

In Python projects, use official [Python client library](https://docs.apify.com/api/client/python.md):

```bash
pip install apify-client
```

In shell scripts, use [Apify CLI](https://docs.apify.com/cli/docs.md):

````bash
# MacOS / Linux
curl -fsSL https://apify.com/install-cli.sh | bash
# Windows
irm https://apify.com/install-cli.ps1 | iex
```bash

In AI frameworks, you might use the [Apify MCP server](https://docs.apify.com/platform/integrations/mcp.md).

If your project is in a different language, use the [REST API](https://docs.apify.com/api/v2.md).

For usage examples, see the [API](#api) section below.

For more details, see Apify documentation as [Markdown index](https://docs.apify.com/llms.txt) and [Markdown full-text](https://docs.apify.com/llms-full.txt).


# README

## 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.

---

### 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.

---

### 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).

---

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

#### Example: high-utilization stress monitor

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

#### Example: highest supply APY for stablecoins

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

***

### Output

```json
{
  "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
}
```

***

### Pricing

- **$0.001 per pool returned**

Examples:

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

***

### 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).

***

### Data Sources

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

***

### Related Actors

- **[DeFi Liquidation Tracker](https://apify.com/gochujang/defi-liquidation-tracker)** — Liquidations spike when utilization stress hits.
- **[DeFi Yield Scanner](https://apify.com/gochujang/defi-yield-scanner)** — Broader yield universe beyond lending.
- **[EigenLayer Restaking Tracker](https://apify.com/gochujang/eigenlayer-restaking-tracker)** — LST/LRT borrow rates correlate with restaking flows.

***

***

### 🎬 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.

### Feedback

[Leave a review on Apify Store](https://apify.com/gochujang/lending-rate-tracker#reviews)

# Actor input Schema

## `projects` (type: `array`):

DefiLlama project slugs. Leave empty for the curated default set.

## `chains` (type: `array`):

Chain names (DefiLlama style: Ethereum, Arbitrum, Optimism, Base, Polygon, BSC, …). Empty = all.

## `symbols` (type: `array`):

Filter by token symbol (case-insensitive). Empty = all.

## `minTvlUsd` (type: `integer`):

Skip pools below this size.

## `sortBy` (type: `string`):

Sort order.

## `limit` (type: `integer`):

Maximum number of pool rows to return.

## `alertUtilizationPct` (type: `number`):

Telegram alert when any pool utilization > X%. 0 = disabled. >90% utilization = borrow rates may spike.

## `telegramBotToken` (type: `string`):

Telegram bot token.

## `telegramChatId` (type: `string`):

Chat ID to receive alerts.

## Actor input object example

```json
{
  "projects": [
    "aave-v3",
    "compound-v3",
    "morpho-blue",
    "spark",
    "aave-v2",
    "euler-v2",
    "silo-finance"
  ],
  "chains": [
    "Ethereum",
    "Arbitrum",
    "Base",
    "Optimism",
    "Polygon"
  ],
  "symbols": [
    "USDC",
    "USDT",
    "WETH",
    "WBTC",
    "DAI"
  ],
  "minTvlUsd": 1000000,
  "sortBy": "tvl_desc",
  "limit": 100,
  "alertUtilizationPct": 0,
  "telegramChatId": ""
}
```

# Actor output Schema

## `dataset` (type: `string`):

No description

## `summary` (type: `string`):

No description

# API

You can run this Actor programmatically using our API. Below are code examples in JavaScript, Python, and CLI, as well as the OpenAPI specification and MCP server setup.

## JavaScript example

```javascript
import { ApifyClient } from 'apify-client';

// Initialize the ApifyClient with your Apify API token
// Replace the '<YOUR_API_TOKEN>' with your token
const client = new ApifyClient({
    token: '<YOUR_API_TOKEN>',
});

// Prepare Actor input
const input = {
    "projects": [
        "aave-v3",
        "compound-v3",
        "morpho-blue",
        "spark",
        "aave-v2",
        "euler-v2",
        "silo-finance"
    ],
    "chains": [
        "Ethereum",
        "Arbitrum",
        "Base",
        "Optimism",
        "Polygon"
    ],
    "symbols": [
        "USDC",
        "USDT",
        "WETH",
        "WBTC",
        "DAI"
    ]
};

// Run the Actor and wait for it to finish
const run = await client.actor("gochujang/lending-rate-tracker").call(input);

// Fetch and print Actor results from the run's dataset (if any)
console.log('Results from dataset');
console.log(`💾 Check your data here: https://console.apify.com/storage/datasets/${run.defaultDatasetId}`);
const { items } = await client.dataset(run.defaultDatasetId).listItems();
items.forEach((item) => {
    console.dir(item);
});

// 📚 Want to learn more 📖? Go to → https://docs.apify.com/api/client/js/docs

```

## Python example

```python
from apify_client import ApifyClient

# Initialize the ApifyClient with your Apify API token
# Replace '<YOUR_API_TOKEN>' with your token.
client = ApifyClient("<YOUR_API_TOKEN>")

# Prepare the Actor input
run_input = {
    "projects": [
        "aave-v3",
        "compound-v3",
        "morpho-blue",
        "spark",
        "aave-v2",
        "euler-v2",
        "silo-finance",
    ],
    "chains": [
        "Ethereum",
        "Arbitrum",
        "Base",
        "Optimism",
        "Polygon",
    ],
    "symbols": [
        "USDC",
        "USDT",
        "WETH",
        "WBTC",
        "DAI",
    ],
}

# Run the Actor and wait for it to finish
run = client.actor("gochujang/lending-rate-tracker").call(run_input=run_input)

# Fetch and print Actor results from the run's dataset (if there are any)
print("💾 Check your data here: https://console.apify.com/storage/datasets/" + run["defaultDatasetId"])
for item in client.dataset(run["defaultDatasetId"]).iterate_items():
    print(item)

# 📚 Want to learn more 📖? Go to → https://docs.apify.com/api/client/python/docs/quick-start

```

## CLI example

```bash
echo '{
  "projects": [
    "aave-v3",
    "compound-v3",
    "morpho-blue",
    "spark",
    "aave-v2",
    "euler-v2",
    "silo-finance"
  ],
  "chains": [
    "Ethereum",
    "Arbitrum",
    "Base",
    "Optimism",
    "Polygon"
  ],
  "symbols": [
    "USDC",
    "USDT",
    "WETH",
    "WBTC",
    "DAI"
  ]
}' |
apify call gochujang/lending-rate-tracker --silent --output-dataset

```

## MCP server setup

```json
{
    "mcpServers": {
        "apify": {
            "command": "npx",
            "args": [
                "mcp-remote",
                "https://mcp.apify.com/?tools=gochujang/lending-rate-tracker",
                "--header",
                "Authorization: Bearer <YOUR_API_TOKEN>"
            ]
        }
    }
}

```

## OpenAPI specification

```json
{
    "openapi": "3.0.1",
    "info": {
        "title": "DeFi Lending Rate Tracker — Aave Compound Morpho Live APY",
        "description": "Live supply + borrow APR + utilization for top assets on Aave V3, Compound V3, Morpho across Eth/Arb/Op/Base/Polygon. Find the cheapest borrow + highest supply. PPE $0.001/pool.",
        "version": "0.1",
        "x-build-id": "Ei8v8SbGlA0GOG81s"
    },
    "servers": [
        {
            "url": "https://api.apify.com/v2"
        }
    ],
    "paths": {
        "/acts/gochujang~lending-rate-tracker/run-sync-get-dataset-items": {
            "post": {
                "operationId": "run-sync-get-dataset-items-gochujang-lending-rate-tracker",
                "x-openai-isConsequential": false,
                "summary": "Executes an Actor, waits for its completion, and returns Actor's dataset items in response.",
                "tags": [
                    "Run Actor"
                ],
                "requestBody": {
                    "required": true,
                    "content": {
                        "application/json": {
                            "schema": {
                                "$ref": "#/components/schemas/inputSchema"
                            }
                        }
                    }
                },
                "parameters": [
                    {
                        "name": "token",
                        "in": "query",
                        "required": true,
                        "schema": {
                            "type": "string"
                        },
                        "description": "Enter your Apify token here"
                    }
                ],
                "responses": {
                    "200": {
                        "description": "OK"
                    }
                }
            }
        },
        "/acts/gochujang~lending-rate-tracker/runs": {
            "post": {
                "operationId": "runs-sync-gochujang-lending-rate-tracker",
                "x-openai-isConsequential": false,
                "summary": "Executes an Actor and returns information about the initiated run in response.",
                "tags": [
                    "Run Actor"
                ],
                "requestBody": {
                    "required": true,
                    "content": {
                        "application/json": {
                            "schema": {
                                "$ref": "#/components/schemas/inputSchema"
                            }
                        }
                    }
                },
                "parameters": [
                    {
                        "name": "token",
                        "in": "query",
                        "required": true,
                        "schema": {
                            "type": "string"
                        },
                        "description": "Enter your Apify token here"
                    }
                ],
                "responses": {
                    "200": {
                        "description": "OK",
                        "content": {
                            "application/json": {
                                "schema": {
                                    "$ref": "#/components/schemas/runsResponseSchema"
                                }
                            }
                        }
                    }
                }
            }
        },
        "/acts/gochujang~lending-rate-tracker/run-sync": {
            "post": {
                "operationId": "run-sync-gochujang-lending-rate-tracker",
                "x-openai-isConsequential": false,
                "summary": "Executes an Actor, waits for completion, and returns the OUTPUT from Key-value store in response.",
                "tags": [
                    "Run Actor"
                ],
                "requestBody": {
                    "required": true,
                    "content": {
                        "application/json": {
                            "schema": {
                                "$ref": "#/components/schemas/inputSchema"
                            }
                        }
                    }
                },
                "parameters": [
                    {
                        "name": "token",
                        "in": "query",
                        "required": true,
                        "schema": {
                            "type": "string"
                        },
                        "description": "Enter your Apify token here"
                    }
                ],
                "responses": {
                    "200": {
                        "description": "OK"
                    }
                }
            }
        }
    },
    "components": {
        "schemas": {
            "inputSchema": {
                "type": "object",
                "properties": {
                    "projects": {
                        "title": "Lending Protocols",
                        "type": "array",
                        "description": "DefiLlama project slugs. Leave empty for the curated default set.",
                        "default": [],
                        "items": {
                            "type": "string"
                        }
                    },
                    "chains": {
                        "title": "Chains",
                        "type": "array",
                        "description": "Chain names (DefiLlama style: Ethereum, Arbitrum, Optimism, Base, Polygon, BSC, …). Empty = all.",
                        "default": [],
                        "items": {
                            "type": "string"
                        }
                    },
                    "symbols": {
                        "title": "Symbols",
                        "type": "array",
                        "description": "Filter by token symbol (case-insensitive). Empty = all.",
                        "default": [],
                        "items": {
                            "type": "string"
                        }
                    },
                    "minTvlUsd": {
                        "title": "Min Pool TVL (USD)",
                        "minimum": 0,
                        "type": "integer",
                        "description": "Skip pools below this size.",
                        "default": 1000000
                    },
                    "sortBy": {
                        "title": "Sort By",
                        "enum": [
                            "tvl_desc",
                            "supply_apy_desc",
                            "borrow_apy_asc",
                            "borrow_apy_desc",
                            "utilization_desc"
                        ],
                        "type": "string",
                        "description": "Sort order.",
                        "default": "tvl_desc"
                    },
                    "limit": {
                        "title": "Max Rows",
                        "minimum": 1,
                        "maximum": 1000,
                        "type": "integer",
                        "description": "Maximum number of pool rows to return.",
                        "default": 100
                    },
                    "alertUtilizationPct": {
                        "title": "Alert Utilization %",
                        "minimum": 0,
                        "type": "number",
                        "description": "Telegram alert when any pool utilization > X%. 0 = disabled. >90% utilization = borrow rates may spike.",
                        "default": 0
                    },
                    "telegramBotToken": {
                        "title": "Telegram Bot Token",
                        "type": "string",
                        "description": "Telegram bot token."
                    },
                    "telegramChatId": {
                        "title": "Telegram Chat ID",
                        "type": "string",
                        "description": "Chat ID to receive alerts.",
                        "default": ""
                    }
                }
            },
            "runsResponseSchema": {
                "type": "object",
                "properties": {
                    "data": {
                        "type": "object",
                        "properties": {
                            "id": {
                                "type": "string"
                            },
                            "actId": {
                                "type": "string"
                            },
                            "userId": {
                                "type": "string"
                            },
                            "startedAt": {
                                "type": "string",
                                "format": "date-time",
                                "example": "2025-01-08T00:00:00.000Z"
                            },
                            "finishedAt": {
                                "type": "string",
                                "format": "date-time",
                                "example": "2025-01-08T00:00:00.000Z"
                            },
                            "status": {
                                "type": "string",
                                "example": "READY"
                            },
                            "meta": {
                                "type": "object",
                                "properties": {
                                    "origin": {
                                        "type": "string",
                                        "example": "API"
                                    },
                                    "userAgent": {
                                        "type": "string"
                                    }
                                }
                            },
                            "stats": {
                                "type": "object",
                                "properties": {
                                    "inputBodyLen": {
                                        "type": "integer",
                                        "example": 2000
                                    },
                                    "rebootCount": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "restartCount": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "resurrectCount": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "computeUnits": {
                                        "type": "integer",
                                        "example": 0
                                    }
                                }
                            },
                            "options": {
                                "type": "object",
                                "properties": {
                                    "build": {
                                        "type": "string",
                                        "example": "latest"
                                    },
                                    "timeoutSecs": {
                                        "type": "integer",
                                        "example": 300
                                    },
                                    "memoryMbytes": {
                                        "type": "integer",
                                        "example": 1024
                                    },
                                    "diskMbytes": {
                                        "type": "integer",
                                        "example": 2048
                                    }
                                }
                            },
                            "buildId": {
                                "type": "string"
                            },
                            "defaultKeyValueStoreId": {
                                "type": "string"
                            },
                            "defaultDatasetId": {
                                "type": "string"
                            },
                            "defaultRequestQueueId": {
                                "type": "string"
                            },
                            "buildNumber": {
                                "type": "string",
                                "example": "1.0.0"
                            },
                            "containerUrl": {
                                "type": "string"
                            },
                            "usage": {
                                "type": "object",
                                "properties": {
                                    "ACTOR_COMPUTE_UNITS": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "DATASET_READS": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "DATASET_WRITES": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "KEY_VALUE_STORE_READS": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "KEY_VALUE_STORE_WRITES": {
                                        "type": "integer",
                                        "example": 1
                                    },
                                    "KEY_VALUE_STORE_LISTS": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "REQUEST_QUEUE_READS": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "REQUEST_QUEUE_WRITES": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "DATA_TRANSFER_INTERNAL_GBYTES": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "DATA_TRANSFER_EXTERNAL_GBYTES": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "PROXY_RESIDENTIAL_TRANSFER_GBYTES": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "PROXY_SERPS": {
                                        "type": "integer",
                                        "example": 0
                                    }
                                }
                            },
                            "usageTotalUsd": {
                                "type": "number",
                                "example": 0.00005
                            },
                            "usageUsd": {
                                "type": "object",
                                "properties": {
                                    "ACTOR_COMPUTE_UNITS": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "DATASET_READS": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "DATASET_WRITES": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "KEY_VALUE_STORE_READS": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "KEY_VALUE_STORE_WRITES": {
                                        "type": "number",
                                        "example": 0.00005
                                    },
                                    "KEY_VALUE_STORE_LISTS": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "REQUEST_QUEUE_READS": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "REQUEST_QUEUE_WRITES": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "DATA_TRANSFER_INTERNAL_GBYTES": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "DATA_TRANSFER_EXTERNAL_GBYTES": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "PROXY_RESIDENTIAL_TRANSFER_GBYTES": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "PROXY_SERPS": {
                                        "type": "integer",
                                        "example": 0
                                    }
                                }
                            }
                        }
                    }
                }
            }
        }
    }
}
```