defi-lending

name	defi-lending
description	Check DeFi lending and borrowing rates, supply/borrow APY, positions, health factors, and protocol comparisons. Use when asked about lending rates, borrowing costs, Aave rates, Compound APY, Morpho markets, lending protocol comparison, health factor, or liquidation risk.

DeFi Lending

Query lending/borrowing rates, positions, and protocol data across major DeFi lending platforms.

APIs

DefiLlama Yields (Free, no auth) — Best starting point

Base: https://yields.llama.fi

All lending pools with APY:

web_fetch url="https://yields.llama.fi/pools"

Returns ~10k+ pools. Filter client-side by project and chain. Key fields: apy (supply APY), apyBorrow (borrow APY), tvlUsd, pool (unique ID)

Single pool detail + history:

web_fetch url="https://yields.llama.fi/chart/POOL_ID"

Filter tips: Search response for "project":"aave-v3", "project":"compound-v3", "project":"morpho", "project":"spark".

Aave V3 Subgraph (Free, no auth)

Get all reserves with rates:

exec command="curl -s -X POST 'https://api.thegraph.com/subgraphs/name/aave/protocol-v3' -H 'Content-Type: application/json' -d '{\"query\":\"{reserves(first:100){name symbol underlyingAsset liquidityRate variableBorrowRate stableBorrowRate availableLiquidity totalCurrentVariableDebt totalDeposits reserveFactor baseLTVasCollateral reserveLiquidationThreshold}}\"}"

Rates are in RAY (27 decimals). Convert: rate / 1e27 * 100 = APY%

User positions on Aave:

exec command="curl -s -X POST 'https://api.thegraph.com/subgraphs/name/aave/protocol-v3' -H 'Content-Type: application/json' -d '{\"query\":\"{userReserves(where:{user:\\\"0xUSER_ADDRESS_LOWERCASE\\\"}){reserve{symbol}currentATokenBalance currentVariableDebt currentStableDebt}}\"}"

Multi-chain Aave subgraph endpoints:

Chain	Subgraph
Ethereum	aave/protocol-v3
Arbitrum	aave/protocol-v3-arbitrum
Optimism	aave/protocol-v3-optimism
Polygon	aave/protocol-v3-polygon
Base	aave/protocol-v3-base
Avalanche	aave/protocol-v3-avalanche

See references/aave-v3.md for contract addresses per chain.

Aave V3 On-Chain via RPC

Get user account data (health factor, total collateral/debt):

exec command="curl -s -X POST https://eth.llamarpc.com -H 'Content-Type: application/json' -d '{\"jsonrpc\":\"2.0\",\"method\":\"eth_call\",\"params\":[{\"to\":\"0x87870Bca3F3fD6335C3F4ce8392D69350B4fA4E2\",\"data\":\"0xbf92857c000000000000000000000000USER_ADDRESS_NO_0x\"},\"latest\"],\"id\":1}'"

Returns: totalCollateralBase, totalDebtBase, availableBorrowsBase, currentLiquidationThreshold, ltv, healthFactor All values in base currency (USD with 8 decimals). Health factor has 18 decimals. Health factor < 1.0 = liquidatable. Warn user if < 1.5.

Morpho (GraphQL API)

Get Morpho Blue markets:

exec command="curl -s -X POST 'https://blue-api.morpho.org/graphql' -H 'Content-Type: application/json' -d '{\"query\":\"{markets(first:20 orderBy:TotalSupplyUsd orderDirection:Desc){items{uniqueKey loanAsset{symbol address} collateralAsset{symbol address} lltv state{supplyApy borrowApy totalSupplyUsd totalBorrowUsd utilization}}}}\"}"

Morpho Vaults (curated lending):

exec command="curl -s -X POST 'https://blue-api.morpho.org/graphql' -H 'Content-Type: application/json' -d '{\"query\":\"{vaults(first:20 orderBy:TotalAssetsUsd orderDirection:Desc){items{name symbol address chain{id} state{totalAssetsUsd apy netApy fee} asset{symbol}}}}\"}"

Compound V3 (Comet)

Get base asset rates via RPC (getSupplyRate, getBorrowRate):

exec command="curl -s -X POST https://eth.llamarpc.com -H 'Content-Type: application/json' -d '{\"jsonrpc\":\"2.0\",\"method\":\"eth_call\",\"params\":[{\"to\":\"0xc3d688B66703497DAA19211EEdff47f25384cdc3\",\"data\":\"0xd955b861\"},\"latest\"],\"id\":1}'"

Compound V3 Comet (USDC market) on Ethereum: 0xc3d688B66703497DAA19211EEdff47f25384cdc3 0xd955b861 = getSupplyRate(0), 0xa5b4ff79 = getBorrowRate(0) Rate is per-second. APY = (1 + rate/1e18)^(365*24*3600) - 1

Usage Tips

• Start with DefiLlama yields for a quick comparison across all protocols
• Use Aave subgraph for detailed position data and historical rates
• Health factor = total collateral * liquidation threshold / total debt
• When comparing rates, note: supply APY includes incentive rewards on DefiLlama (apyReward)
• Morpho typically offers better rates than Aave/Compound by matching lenders to borrowers
• For large positions, check utilization rate — high utilization can affect withdrawal liquidity