# Base Lending Rates: Supply APY Quoted vs Realized

> Base Lending Rates: Supply APY Quoted vs Realized is a paid API for AI agents from intel.fintechhodl.com, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-30).

Returns quoted and realized supply APY for every tracked lending market on Base (Aave, Morpho, Compound, Moonwell, etc.) alongside a risk score, filterable by asset, APY threshold, and risk tolerance.

## Facts

- Endpoint: GET https://intel.fintechhodl.com/api/v1/lending-rates?utm_source=zero.xyz
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-30
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/base-lending-rates-supply-apy-quoted-vs-realized-1f32411f
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_C769ms5ESz7G0hy8qWmJc

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 base-lending-rates-supply-apy-quoted-vs-realized-1f32411f
```

Example prompt: Show me the top 10 stablecoin lending opportunities on Base sorted by risk-adjusted score, only include ones with a realized on-chain APY and a risk score under 50 — I want to compare quoted vs actual earned rates across Aave, Morpho, Compound, and Moonwell.

## When to prefer this

Use this endpoint when you need to compare lending rates across multiple Base money markets (Aave, Morpho, Compound, Moonwell) in a single call, especially when you want to contrast quoted (advertised) APY against the APY lenders actually realized on-chain over 7 or 30 days. Prefer this over individual protocol APIs when risk-scoring matters or when you want to filter by asset, APY floor, or risk ceiling without querying each protocol separately. Opportunity IDs returned here are compatible with sibling routes for deeper risk breakdowns and historical APY data.

## Known failure modes

- 404 returned for unknown or misspelled URL paths
- 400 returned for invalid query parameter values (e.g. out-of-range min_apy, invalid asset symbol) before any payment is charged
- 503 returned temporarily while on-chain data is refreshing; retry after a short delay
- Empty items array if no opportunities match the applied filters (valid 200 response)
- Realized APY fields may be null if on-chain history is insufficient for a market

## How this service works

Lending rates on Base: supply APY for every tracked money market and lending vault (Aave, Morpho, Compound, Moonwell and others), quoted next to the APY lenders actually earned over 7 and 30 days, read on-chain, with a risk score. Useful for choosing where to lend USDC, ETH or stablecoins. Ids work with every other route. 404 for unknown paths and 400 for invalid arguments, before any payment; 503 while data refreshes; charged only for a 200.

## Output

A JSON array of lending opportunities ranked by the chosen sort key, each containing: opportunity ID (compatible with other routes), market name, asset symbol, quoted APY, base and reward APY components, 7-day and 30-day realized APY, TVL in USD, a risk score, opportunity type, and a timestamp indicating when the data was captured. Also includes total match count before the limit and model version metadata.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "properties": {
      "sort": {
       "enum": [
        "risk_adjusted",
        "realized_apy",
        "quoted_apy",
        "sustainable_apy",
        "tvl"
       ],
       "type": "string",
       "description": "Order: risk_adjusted (default) ranks by opportunity score; realized_apy by the 30-day realized APY; sustainable_apy by the APY expected once incentives fade."
      },
      "asset": {
       "type": "string",
       "pattern": "^[A-Za-z0-9._-]{1,20}$",
       "examples": [
        "USDC"
       ],
       "description": "Token symbol, e.g. USDC or WETH."
      },
      "limit": {
       "type": "integer",
       "maximum": 50,
       "minimum": 1,
       "description": "How many items (default 20)."
      },
      "min_apy": {
       "type": "number",
       "maximum": 100000,
       "minimum": 0,
       "description": "Minimum quoted APY, percent."
      },
      "risk_max": {
       "type": "number",
       "maximum": 100,
       "minimum": 0,
       "description": "Maximum risk score (0-100, lower is lower modelled risk)."
      },
      "stable_only": {
       "type": "boolean",
       "description": "Only stablecoin principal."
      },
      "realized_only": {
       "type": "boolean",
       "description": "Only opportunities with a realized on-chain APY."
      }
     },
     "additionalProperties": false
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object",
     "required": [
      "as_of",
      "model_version",
      "coverage",
      "items"
     ],
     "properties": {
      "as_of": {
       "type": "string",
       "description": "Hour the data describes (ISO 8601, UTC)."
      },
      "count": {
       "type": "integer",
       "description": "Matches before the limit."
      },
      "items": {
       "type": "array",
       "items": {
        "type": "object",
        "properties": {
         "id": {
          "type": "string",
          "descri
… (truncated)
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/base-lending-rates-supply-apy-quoted-vs-realized-1f32411f/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from intel.fintechhodl.com](https://www.zero.xyz/host/intel.fintechhodl.com/llms.txt)