# Aave v3 Live Lending & Borrowing APY by Chain

> Aave v3 Live Lending & Borrowing APY by Chain is a paid API for AI agents from api.vextorium.com, paid per call via x402, $0.005/call, status unknown (last checked 2026-10-01).

Returns real-time Aave v3 deposit and borrow APY rates for major assets (WETH, USDC, USDT, DAI, cbBTC/WBTC) on a specified EVM chain.

## Facts

- Endpoint: POST https://api.vextorium.com/aave-tipos-pago?utm_source=zero.xyz
- Price: $0.005/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-01
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/aave-v3-live-lending-borrowing-apy-by-chain-f442bf89
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_d1r87vRSVgqfS4GY2kp5Z

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability aave-v3-live-lending-borrowing-apy-by-chain-f442bf89 -d '<json body>'
```

Example prompt: What are the current Aave v3 deposit and borrow APY rates for WETH, USDC, USDT, DAI, and WBTC on the Base network?

## When to prefer this

Choose this endpoint when you need real-time Aave v3 lending and borrowing rates for specific major assets (WETH, USDC, USDT, DAI, cbBTC/WBTC) on a specific EVM chain. It is ideal for DeFi portfolio optimization, yield comparison, pre-borrow cost estimation, or monitoring rate changes across Base, Ethereum, Arbitrum, Optimism, and Polygon. Prefer this over generic DeFi aggregators when you need per-asset APY granularity directly from Aave v3 markets.

## Known failure modes

- Unsupported chain name returns an error or empty markets list
- On-chain data source unavailable causes timeout or null APY values
- Missing 'red' field defaults to Base but may return unexpected chain data
- Network congestion may cause stale or delayed rate data
- Assets temporarily not listed on a specific chain return null entries

## How this service works

Aave v3 live lending and borrowing APY for the main assets (WETH, USDC, USDT, DAI, cbBTC/WBTC) on a chain.

## Output

Returns a structured response containing the protocol name, the queried network, and a list of markets. Each market entry includes the asset name (e.g. WETH, USDC, USDT, DAI, cbBTC/WBTC), the current deposit APY as a percentage, and the current borrow APY as a percentage. May also include a notes field with caveats or context.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method",
    "bodyType",
    "body"
   ],
   "properties": {
    "body": {
     "required": [],
     "properties": {
      "red": {
       "enum": [
        "base",
        "ethereum",
        "arbitrum",
        "optimism",
        "polygon"
       ],
       "type": "string",
       "description": "EVM network (default base)"
      }
     }
    },
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "POST"
     ],
     "type": "string"
    },
    "bodyType": {
     "enum": [
      "json",
      "form-data",
      "text"
     ],
     "type": "string"
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object",
     "properties": {
      "red": {
       "type": [
        "string",
        "null"
       ]
      },
      "nota": {
       "type": [
        "string",
        "null"
       ]
      },
      "mercados": {
       "type": [
        "array",
        "null"
       ],
       "items": {
        "type": [
         "object",
         "null"
        ],
        "properties": {
         "activo": {
          "type": [
           "string",
           "null"
          ]
         },
         "apy_deposito_pct": {
          "type": [
           "number",
           "null"
          ]
         },
         "apy_prestamo_pct": {
          "type": [
           "number",
           "null"
          ]
         }
        }
       }
      },
      "protocolo": {
       "type": [
        "string",
        "null"
       ]
      }
     }
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/aave-v3-live-lending-borrowing-apy-by-chain-f442bf89/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.vextorium.com](https://www.zero.xyz/host/api.vextorium.com/llms.txt)