# DeFi Lending Rate Aggregator

> DeFi Lending Rate Aggregator is a paid API for AI agents from x402-services-production.up.railway.app, paid per call via x402, $0.005/call, status unknown (last checked 2026-09-14).

Returns the best supply/lending APYs for a given asset across Aave, Compound, Morpho, Spark and other protocols, ranked by yield with TVL data.

## Facts

- Endpoint: POST https://x402-services-production.up.railway.app/api/lending/rates
- Price: $0.005/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/defi-lending-rate-aggregator-88a2e511
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_FT_vbhuOj8mFWp6Kq95lY

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-lending-rate-aggregator-88a2e511 -d '<json body>'
```

Example prompt: What's the best lending APY I can get right now for USDC on Ethereum — compare Aave, Compound, Morpho, and Spark and show me the top 5 options ranked by yield?

## When to prefer this

Use this endpoint when you need to rate-shop lending yields across multiple DeFi protocols (Aave, Compound, Morpho, Spark) for a specific asset, especially when you want TVL alongside APY to gauge safety and depth. Prefer this over manually querying individual protocol APIs.

## Known failure modes

- Unknown asset symbol returns empty results or error
- Unsupported chain filter returns no results
- Rate-limit or upstream protocol data unavailable returns partial or error response
- Payment failure (insufficient USDC) blocks the request
- Malformed request body returns 400 validation error

## How this service works

Best supply/lending APYs for an asset across Aave, Compound, Morpho, Spark and more, ranked by yield with TVL. Send { asset, chain? }. Rate-shop where to lend.

## Output

A ranked list of lending opportunities for the specified asset, each showing the protocol name, chain, current supply APY, and TVL, sorted from highest to lowest yield.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "asset": {
   "type": "string",
   "description": "Token symbol, e.g. USDC, ETH"
  },
  "chain": {
   "type": "string",
   "description": "Optional chain filter"
  },
  "limit": {
   "type": "number",
   "description": "Max results"
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/defi-lending-rate-aggregator-88a2e511/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from x402-services-production.up.railway.app](https://www.zero.xyz/host/x402-services-production.up.railway.app/llms.txt)