{"openapi":"3.1.0","info":{"title":"DeFi Lending Rates API","version":"1.0.0","description":"The supply and borrow rates of on-chain money markets, compared across every major DeFi lending protocol and chain at once — live from DeFiLlama, no key. The same asset earns and costs a different rate on every protocol and every chain: USDC might pay 3% to supply on Aave v3 Ethereum and cost a fraction to borrow somewhere else, and those rates move every block. A single protocol's reserves are only part of the picture; what a lender or borrower wants is the cross-protocol, cross-chain comparison. This API joins DeFiLlama's pool yields with its lend/borrow dataset into one money-market table: for every lending reserve it gives the supply APY (base + reward), the borrow APY (base + reward), the utilisation, the loan-to-value and the dollar size of the supplied and borrowed pools. The markets endpoint returns the full table (filter by asset, chain, protocol, stablecoin, minimum size); the best endpoint returns the top venues to supply an asset (highest APY) or to borrow it (lowest APY) right now; the asset endpoint summarises one asset across all its markets — the min, max, average and median supply and borrow APY, plus the single best place to lend and to borrow. Ranking surfaces exclude DeFiLlama-flagged outlier pools and impossible (>100%) utilisation, so the best rate is a real, harvestable one. The cross-protocol money-market-rates cut — distinct from TVL analytics (which size protocols, not their rates), single-protocol lending APIs (one venue each), and perpetual funding-rate APIs (a different rate entirely).","contact":{"name":"PremiumApi","url":"https://www.oanor.com/by/premiumapi"}},"servers":[{"url":"https://api.oanor.com/lendingrates-api","description":"oanor gateway"}],"tags":[{"name":"Markets"},{"name":"Best"},{"name":"Asset"},{"name":"Meta"}],"components":{"securitySchemes":{"oanorKey":{"type":"apiKey","in":"header","name":"x-oanor-key","description":"Get your key at https://www.oanor.com/developer/keys"}}},"security":[{"oanorKey":[]}],"paths":{"/v1/markets":{"get":{"operationId":"get_v1_markets","tags":["Markets"],"summary":"Cross-protocol money-market lending table","description":"","parameters":[{"name":"asset","in":"query","required":false,"description":"Filter by asset symbol","schema":{"type":"string"},"example":"USDC"},{"name":"chain","in":"query","required":false,"description":"Filter by chain","schema":{"type":"string"},"example":"Ethereum"},{"name":"project","in":"query","required":false,"description":"Filter by protocol","schema":{"type":"string"},"example":"aave-v3"},{"name":"stablecoin","in":"query","required":false,"description":"Stablecoins only (true)","schema":{"type":"string"},"example":"true"},{"name":"sort","in":"query","required":false,"description":"supply | borrow | utilization | tvl","schema":{"type":"string"},"example":"supply"},{"name":"limit","in":"query","required":false,"description":"Page size (1-300)","schema":{"type":"string"},"example":"50"}],"security":[{"oanorKey":[]}],"responses":{"200":{"description":"OK","content":{"application/json":{"example":{"data":{"note":"On-chain money-market lending reserves across protocols and chains, each with supply APY (base+reward), borrow APY (base−reward subsidy), utilisation %, LTV and pool size. Filter by asset, chain, project, stablecoin, min_tvl; sort by supply (default), borrow, utilization or tvl. DeFiLlama-flagged outlier pools and impossible (>100%) utilisation are excluded by default — pass include_outliers=true to keep them. Live from DeFiLlama, lightly cached.","sort":"supply","count":3,"limit":50,"offset":0,"source":"DeFiLlama yields (pools + lendBorrow)","markets":[{"ltv":0.75,"chain":"Ethereum","symbol":"USDC","outlier":false,"pool_id":"aa70268e-4b52-42bf-a116-608b370f9501","project":"aave-v3","tvl_usd":182130129,"borrow_apy":3.9443,"borrowable":true,"stablecoin":true,"supply_apy":3.2204,"utilization":90.72,"borrow_apy_base":3.9443,"supply_apy_base":3.2204,"total_borrow_usd":1780060254,"total_supply_usd":1962083898},{"ltv":0,"chain":"Ethereum","symbol":"USDC","outlier":false,"pool_id":"27296bf9-617a-46e4-9d6d-eefc71e9e0b6","project":"aave-v3","tvl_usd":3261991,"pool_meta":"Aave Horizon Market","borrow_apy":4.8715,"borrowable":true,"stablecoin":true,"supply_apy":2.6607,"utilization":60.69,"borrow_apy_base":4.8715,"supply_apy_base":2.6607,"total_borrow_usd":5035318,"total_supply_usd":8296894},{"ltv":0,"chain":"Ethereum","symbol":"USDC","outlier":false,"pool_id":"effcb4a4-4dcb-45e5-935d-f15542c13e6b","project":"aave-v3","tvl_usd":3056577,"pool_meta":"Prime Instance","borrow_apy":3.0606,"borrowable":true,"stablecoin":true,"supply_apy":1.4102,"utilization":51.2,"borrow_apy_base":3.0606,"supply_apy_base":1.4102,"total_borrow_usd":3206384,"total_supply_usd":6262817}]},"meta":{"timestamp":"2026-06-12T10:34:30.941Z","request_id":"19d14325-fcf4-4c5c-8ffc-6973756ac737"},"status":"ok","message":"Lending markets retrieved successfully","success":true}}}},"401":{"description":"Missing or invalid x-oanor-key header"},"402":{"description":"Active subscription required"},"429":{"description":"Rate-limit or monthly quota reached"},"502":{"description":"Upstream did not respond"}}}},"/v1/best":{"get":{"operationId":"get_v1_best","tags":["Best"],"summary":"Top venues to supply (highest APY) or borrow (lowest APY) an asset","description":"","parameters":[{"name":"asset","in":"query","required":true,"description":"Asset symbol","schema":{"type":"string"},"example":"USDC"},{"name":"side","in":"query","required":false,"description":"supply | borrow","schema":{"type":"string"},"example":"supply"},{"name":"chain","in":"query","required":false,"description":"Filter by chain","schema":{"type":"string"},"example":"Ethereum"},{"name":"limit","in":"query","required":false,"description":"Max results (1-100)","schema":{"type":"string"},"example":"10"}],"security":[{"oanorKey":[]}],"responses":{"200":{"description":"OK","content":{"application/json":{"example":{"data":{"best":[{"ltv":0,"chain":"Ethereum","symbol":"USDC","outlier":false,"pool_id":"c5b52a38-59e4-481e-9bba-0386b1e8620c","project":"euler-v2","tvl_usd":0,"pool_meta":"EVK Vault 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eUSDC-58","borrow_apy":24.9999,"borrowable":false,"stablecoin":true,"supply_apy":17.4999,"utilization":100,"borrow_apy_base":24.9999,"supply_apy_base":17.4999,"total_borrow_usd":1352140,"total_supply_usd":1352140},{"ltv":0.85,"chain":"Ethereum","symbol":"USDC","outlier":false,"pool_id":"20e45c3e-7de7-4d34-89e7-20858ecdf252","project":"dolomite","tvl_usd":16593244,"borrow_apy":5.8212,"borrowable":true,"stablecoin":true,"supply_apy":9.9774,"utilization":86.76,"borrow_apy_base":5.8212,"supply_apy_base":4.0406,"total_borrow_usd":108771964,"total_supply_usd":125365209,"supply_apy_reward":5.9368},{"ltv":0.85,"chain":"Ethereum","symbol":"USDC","outlier":false,"pool_id":"db446cb6-2ec5-4fdd-9812-bdbeab125a31","project":"fluid-lending","tvl_usd":8521265,"borrow_apy":0.5,"borrowable":true,"stablecoin":true,"supply_apy":4.88,"utilization":55.93,"borrow_apy_base":0.5,"supply_apy_base":4.88,"total_borrow_usd":4765712,"total_supply_usd":8521265},{"ltv":0,"chain":"Ethereum","symbol":"USDC","outlier":false,"pool_id":"a0f53224-c152-416e-8599-4563e70c6040","project":"euler-v2","tvl_usd":255241,"pool_meta":"EVK Vault eUSDC-2","borrow_apy":5.8795,"borrowable":true,"stablecoin":true,"supply_apy":4.3205,"utilization":81.65,"borrow_apy_base":5.8795,"supply_apy_base":4.3205,"total_borrow_usd":1135659,"total_supply_usd":1390900},{"ltv":0,"chain":"Ethereum","symbol":"USDC","outlier":false,"pool_id":"fa4d7ee4-0001-4133-9e8d-cf7d5d194a91","project":"flux-finance","tvl_usd":2602202,"borrow_apy":4.8708,"borrowable":true,"stablecoin":true,"supply_apy":3.7156,"utilization":76.71,"borrow_apy_base":4.8708,"supply_apy_base":3.7156,"total_borrow_usd":8570747,"total_supply_usd":11172949,"borrow_apy_reward":0,"supply_apy_reward":0},{"ltv":0,"chain":"Ethereum","symbol":"USDC","outlier":false,"pool_id":"65ce8276-b4d9-41ba-9f6f-21fc374cf9bc","project":"sparklend","tvl_usd":3297769,"borrow_apy":4.5093,"borrowable":true,"stablecoin":true,"supply_apy":3.632,"utilization":89.5,"borrow_apy_base":4.5093,"supply_apy_base":3.632,"total_borrow_usd":28090573,"total_supply_usd":31386996},{"ltv":0.75,"chain":"Ethereum","symbol":"USDC","outlier":false,"pool_id":"aa70268e-4b52-42bf-a116-608b370f9501","project":"aave-v3","tvl_usd":182130129,"borrow_apy":3.9443,"borrowable":true,"stablecoin":true,"supply_apy":3.2204,"utilization":90.72,"borrow_apy_base":3.9443,"supply_apy_base":3.2204,"total_borrow_usd":1780060254,"total_supply_usd":1962083898},{"ltv":0,"chain":"Ethereum","symbol":"USDC","outlier":false,"pool_id":"7da72d09-56ca-4ec5-a45f-59114353e487","project":"compound-v3","tvl_usd":45961320,"borrow_apy":3.7628,"borrowable":true,"stablecoin":true,"supply_apy":3.2036,"utilization":85.99,"borrow_apy_base":3.8885,"supply_apy_base":3.0955,"total_borrow_usd":282019060,"total_supply_usd":327980380,"borrow_apy_reward":0.1258,"supply_apy_reward":0.1081}],"note":"The highest-yielding venues to supply USDC right now (highest net supply APY above min_tvl). Read fresh per call, lightly cached.","side":"supply","asset":"USDC","count":16,"source":"DeFiLlama yields (pools + lendBorrow)","min_tvl":1000000},"meta":{"timestamp":"2026-06-12T10:34:31.005Z","request_id":"c93686ca-7349-4fb9-991d-8a84bd6d77ea"},"status":"ok","message":"Best lending venues retrieved successfully","success":true}}}},"401":{"description":"Missing or invalid x-oanor-key header"},"402":{"description":"Active subscription required"},"429":{"description":"Rate-limit or monthly quota reached"},"502":{"description":"Upstream did not respond"}}}},"/v1/asset":{"get":{"operationId":"get_v1_asset","tags":["Asset"],"summary":"One asset summarised across all its lending markets","description":"","parameters":[{"name":"asset","in":"query","required":true,"description":"Asset symbol","schema":{"type":"string"},"example":"USDC"}],"security":[{"oanorKey":[]}],"responses":{"200":{"description":"OK","content":{"application/json":{"example":{"data":{"note":"Cross-protocol summary for USDC: where it earns the most (best_supply) and costs the least to borrow (best_borrow), and the spread of rates across all its money markets above min_tvl. Live from DeFiLlama, lightly cached.","asset":"USDC","chains":["Algorand","Aptos","Arbitrum","Avalanche","BSC","Base","Canto","Cronos","Echelon Initia","Ethereum","Etherlink","Hyperliquid L1","Ink","Linea","Mantle","Monad","OP Mainnet","Polygon","Solana","Sonic","Stellar","Sui","ZIGChain"],"source":"DeFiLlama yields (pools + lendBorrow)","min_tvl":1000000,"projects":["aave-v3","arcadia-v2","benqi-lending","blend-pools-v2","canto-lending","compound-v3","current","dolomite","echelon-market","euler-v2","exactly","fluid-lending","flux-finance","folks-finance-lending","folks-finance-xchain","gearbox","hyperlend-pooled","kamino-lend","moonwell-lending","navi-lending","neverland","permapod","save","scallop-lend","sparklend","tectonic","tydro","venus-core-pool"],"borrow_apy":{"avg":9.065,"max":139.7705,"min":0.1961,"median":5.1273},"supply_apy":{"avg":6.1488,"max":73.9907,"min":0,"median":3.577},"best_borrow":{"chain":"Avalanche","project":"euler-v2","borrow_apy":0.1961,"supply_apy":0.1765,"total_supply_usd":7808198},"best_supply":{"chain":"Ethereum","project":"euler-v2","borrow_apy":82.2119,"supply_apy":73.9907,"total_supply_usd":3741101},"market_count":72,"total_borrowed_usd":3549622430,"total_supplied_usd":4140979342},"meta":{"timestamp":"2026-06-12T10:34:31.103Z","request_id":"90ea9cc0-831c-4a01-9cb3-6c663c01c917"},"status":"ok","message":"Asset lending summary retrieved successfully","success":true}}}},"401":{"description":"Missing or invalid x-oanor-key header"},"402":{"description":"Active subscription required"},"429":{"description":"Rate-limit or monthly quota reached"},"502":{"description":"Upstream did not respond"}}}},"/v1/meta":{"get":{"operationId":"get_v1_meta","tags":["Meta"],"summary":"Service metadata","description":"","parameters":[],"security":[{"oanorKey":[]}],"responses":{"200":{"description":"OK","content":{"application/json":{"example":{"data":{"note":"markets takes asset, chain, project, stablecoin, min_tvl, sort (supply|borrow|utilization|tvl), include_outliers, limit (1-300), offset. best takes asset (required), side (supply|borrow), chain, min_tvl (default 1,000,000), limit. asset takes asset (required), min_tvl (default 1,000,000). meta takes no parameters. APYs are in percent. Ranking surfaces exclude DeFiLlama-flagged outliers and >100% utilisation so the best rate is real and harvestable. A 10-minute protective cache fronts the shared DeFiLlama upstream.","source":"DeFiLlama yields API (yields.llama.fi/pools + /lendBorrow), live, keyless","service":"lendingrates-api","endpoints":{"GET /v1/best":"Top venues to supply (highest APY) or borrow (lowest APY) an asset (asset=USDC, side=supply).","GET /v1/meta":"This document.","GET /v1/asset":"One asset summarised across all its markets (asset=USDC).","GET /v1/markets":"Cross-protocol money-market lending table (filter: asset, chain, project, stablecoin, min_tvl; sort)."},"description":"DeFi lending rates — the supply and borrow APYs of on-chain money markets compared across every major protocol and chain, live from DeFiLlama (no key). markets returns the full money-market table (supply APY, borrow APY, utilisation, LTV, pool size) filterable by asset/chain/project/stablecoin/min_tvl; best returns the top venues to supply (highest APY) or borrow (lowest APY) a given asset; asset summarises one asset across all its markets (min/max/avg/median supply & borrow APY, best lend & borrow venue). The cross-protocol money-market-rates cut — distinct from TVL analytics (size, not rates), single-protocol lending APIs (one venue), and perpetual funding-rate APIs (a different rate).","market_count":2060,"top_usdc_supply":{"chain":"Ethereum","project":"euler-v2","supply_apy":73.9907},"upstream_status":"ok"},"meta":{"timestamp":"2026-06-12T10:34:31.203Z","request_id":"efaa5d61-f8bd-4560-8db8-1316b6226f99"},"status":"ok","message":"Meta","success":true}}}},"401":{"description":"Missing or invalid x-oanor-key header"},"402":{"description":"Active subscription required"},"429":{"description":"Rate-limit or monthly quota reached"},"502":{"description":"Upstream did not respond"}}}}},"x-oanor-pricing":[{"slug":"free","name":"Free","price_cents_month":0,"monthly_call_quota":820,"rps_limit":2,"hard_limit":true},{"slug":"starter","name":"Starter","price_cents_month":1190,"monthly_call_quota":18800,"rps_limit":6,"hard_limit":true},{"slug":"pro","name":"Pro","price_cents_month":3640,"monthly_call_quota":96000,"rps_limit":16,"hard_limit":true},{"slug":"business","name":"Business","price_cents_month":8190,"monthly_call_quota":530000,"rps_limit":40,"hard_limit":true}],"x-oanor-marketplace-url":"https://www.oanor.com/api/lendingrates-api"}