# DeFi Borrow Rate Finder > DeFi Borrow Rate Finder is a paid API for AI agents from api.vextorium.com, paid per call via x402, $0.006/call, status unknown (last checked 2026-10-12). Returns the cheapest borrow rates for a given token across DeFi lending protocols (Aave, Compound, Morpho, Spark, Euler, etc.), ranked by net cost after incentives, with LTV, utilization, and available liquidity per chain. ## Facts - Endpoint: POST https://api.vextorium.com/defi-prestamos-pago?utm_source=zero.xyz - Price: $0.006/call - Payment: x402 - Status: unknown - Last checked: 2026-10-12 - Activations on Zero: 0 - Tags: x402 - Canonical page: https://www.zero.xyz/c/defi-borrow-rate-finder-10633582 - Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_c1081jCqXr2aNRiRnOO8H 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-borrow-rate-finder-10633582 -d '' ``` Example prompt: Find me the cheapest places to borrow USDC across all DeFi chains right now — show me the top 10 markets by net cost after incentives, including borrow APY, available liquidity, max LTV, and utilization. ## When to prefer this Choose this endpoint when you need real-time cross-protocol borrow rate comparison across multiple DeFi lending markets sourced from DefiLlama. Ideal when the user wants to minimize borrowing costs, compare net rates after incentives, or assess liquidity and utilization risk across chains. Prefer over manual protocol checks or single-protocol APIs when breadth of coverage (Aave, Compound, Morpho, Spark, Euler, etc.) matters. ## Known failure modes - Token not found or unsupported — returns empty or null markets list - Chain filter typo returns no results for that chain - TVL minimum too high — filters out all available markets - DefiLlama data temporarily unavailable — stale or error response - Rate limit or payment failure — HTTP 402 or 429 response ## How this service works Where to borrow a token cheapest across DeFi lending markets (Aave, Compound, Morpho, Spark, Euler...): borrow APY, borrow incentives, net cost, supply APY, max LTV, utilization and available liquidity, by chain. Live from DefiLlama. ## Output Returns a ranked list of lending markets for the requested token, sorted by net borrow cost (borrow APY minus incentives). Each market entry includes protocol name, chain, pool ID, borrow APY, deposit APY, borrow incentives, net cost percentage, max LTV, pool utilization percentage, and available liquidity in USD. Also returns total number of markets found and a contextual note. ## 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": [ "token" ], "properties": { "red": { "type": "string", "description": "Chain filter, e.g. Ethereum, Base, Arbitrum (optional)" }, "token": { "type": "string", "description": "Token to borrow, e.g. USDC, WETH, WBTC" }, "limite": { "type": "integer", "description": "Markets (1-50, default 10)" }, "tvl_min": { "type": "number", "description": "Minimum pool TVL in USD (default 1,000,000)" } } }, "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", "null" ], "properties": { "red": {}, "nota": { "type": [ "string", "null" ] }, "token": { "type": [ "string", "null" ] }, "mercados": { "type": [ "number", "null" ] }, "mas_baratos": { "type": [ "array", "null" ], "items": { "type": [ "null", "object" ], "properties": { "pool": { "type": [ "null", "string" ] }, "token": { "type": [ "null", "string" ] }, "cadena": { "type": [ "null", "string" ] }, "ltv_max": { "type": [ "null", "number" ] }, "protocolo": { "type": [ "null", "string" ] }, "coste_neto_pct": { "type": [ "null", "number" ] }, "disponible_usd": { "type": [ "null", … (truncated) ``` ## Response schema (JSON Schema) ```json { "type": "json", "example": { "red": null, "nota": "Coste neto = APY de préstamo menos incentivos. Utilización alta = el tipo puede subir rápido. Fuente: DefiLlama.", "token": "USDC", "mercados": 41, "mas_baratos": [ { "pool": "5a97dc57-ea99-4d8b-aac9-b1b8b80c6b60", "token": "USDC", "cadena": "Aptos", "ltv_max": 0.8, "protocolo": "echelon-market", "coste_neto_pct": -0.217, "disponible_usd": 1765486, "utilizacion_pct": 44.6, "apy_deposito_pct": 1.616, "apy_prestamo_pct": 5.574, "incentivos_prestamo_pct": 5.79 }, { "pool": "d9c395b9-00d0-4426-a6b3-572a6dd68e54", "token": "USDC", "cadena": "Arbitrum", "ltv_max": 0, "protocolo": "compound-v3", "coste_neto_pct": 3.835, "disponible_usd": 2348842, "utilizacion_pct": 84.1, "apy_deposito_pct": 3.026, "apy_prestamo_pct": 3.835, "incentivos_prestamo_pct": 0 }, { "pool": "0758c3b8-4ffb-4176-b0a9-f446e367db46", "token": "USDC", "cadena": "OP Mainnet", "ltv_max": 0.75, "protocolo": "aave-v3", "coste_neto_pct": 3.843, "disponible_usd": 1455810, "utilizacion_pct": 86.5, "apy_deposito_pct": 2.99, "apy_prestamo_pct": 3.843, "incentivos_prestamo_pct": 0 }, { "pool": "a0860ad8-ba2a-4ff8-8a13-348788864f23", "token": "USDC", "cadena": "Sui", "ltv_max": 0.7, "protocolo": "current", "coste_neto_pct": 3.932, "disponible_usd": 20854691, "utilizacion_pct": 61, "apy_deposito_pct": 1.92, "apy_prestamo_pct": 3.932, "incentivos_prestamo_pct": 0 }, { "pool": "65ce8276-b4d9-41ba-9f6f-21fc374cf9bc", "token": "USDC", "cadena": "Ethereum", "ltv_max": 0, "protocolo": "sparklend", "coste_neto_pct": 4.176, "disponible_usd": 4094116, "utilizacion_pct": 90.2, "apy_deposito_pct": 3.39, "apy_prestamo_pct": 4.176, "incentivos_prestamo_pct": 0 } ] } } ``` ## More - Live health (JSON, refreshed every minute): https://www.zero.xyz/c/defi-borrow-rate-finder-10633582/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)