| 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
