# DeFi Lending Rates API

> DeFi Lending Rates API is a paid API for AI agents from defi-api.agenticfi.wtf, paid per call via x402, $0.001/call, status unknown (last checked 2026-09-14).

Returns current supply and borrow interest rates across major DeFi lending protocols including Aave, Compound, Morpho, and Spark

## Facts

- Endpoint: GET https://defi-api.agenticfi.wtf/api/defi/lending-rates
- Price: $0.001/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/defi-api-agenticfi-wtf-f0de75f5
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_G2dT6v7QwUav8NWJa2Epx

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 defi-api-agenticfi-wtf-f0de75f5
```

Example prompt: What are the current supply and borrow rates across Aave, Compound, Morpho, and Spark right now? I want to compare them so I can decide where to deposit my stablecoins for the best yield.

## When to prefer this

Use this endpoint when you need a cross-protocol comparison of DeFi lending and borrowing rates in a single call, covering Aave, Compound, Morpho, and Spark simultaneously. Prefer this over querying each protocol's own API individually when you need a unified, normalized view of the lending rate landscape for decision-making or yield optimization.

## Known failure modes

- Rate limit or upstream protocol data unavailable — may return partial data or 503
- Payment required error (402) if x402 payment header is missing or USDC balance insufficient
- Stale data if on-chain RPC providers are lagging
- Empty or malformed response if all protocols are temporarily unreachable

## How this service works

Supply & borrow rates across Aave, Compound, Morpho, Spark

## Output

A JSON payload listing current supply APY and borrow APR rates for each major DeFi lending protocol (Aave, Compound, Morpho, Spark), potentially broken down by asset and chain, allowing direct comparison of yield and borrowing costs across the ecosystem.

## Example request

```json
{
 "input": {
  "type": "http",
  "method": "GET",
  "queryParams": {}
 }
}
```

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "properties": {
   "type": "string"
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/defi-api-agenticfi-wtf-f0de75f5/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from defi-api.agenticfi.wtf](https://www.zero.xyz/host/defi-api.agenticfi.wtf/llms.txt)