# DeFi Lending Rates

> DeFi Lending Rates is a paid API for AI agents from bess-x402.onrender.com, paid per call via x402, $0.003/call, status unknown (last checked 2026-10-28).

Returns supply and borrow APYs, utilisation, TVL, and max LTV across major DeFi lending protocols (Aave, Compound, Morpho, Spark, Venus) filtered by token, chain, or protocol.

## Facts

- Endpoint: GET https://bess-x402.onrender.com/v1/crypto/lending?utm_source=zero.xyz
- Price: $0.003/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-28
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/defi-lending-rates-79445d96
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_X2SnXjoa293MDmDC_Z5FU

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-rates-79445d96
```

Example prompt: What are the best places to lend USDC right now across DeFi protocols? Show me the top 10 sorted by supply APY, only on Ethereum, with at least $1M TVL.

## When to prefer this

Use this endpoint when you need real-time, cross-protocol DeFi lending rate comparisons — specifically supply APY, borrow APY, utilisation, TVL, and max LTV — across Aave, Compound, Morpho, Spark, and Venus in a single call. Prefer it over manual protocol checks or on-chain queries when you need ranked, filterable results by token or chain without writing smart contract calls.

## Known failure modes

- Invalid sort parameter value returns an error or empty results
- Unknown chain or token symbol returns empty result set
- min_tvl_usd too high filters out all results
- Limit out of range (below 1 or above 100) may cause a validation error
- Underlying DeFi data source outage returns stale or unavailable data
- Payment of $0.003 USDC required; missing or invalid x402 payment header returns 402

## How this service works

Supply and borrow APYs across DeFi lending markets (Aave, Compound, Morpho, Spark, Venus...) by token, chain or protocol: net borrow rate, utilisation, TVL, total borrowed and max LTV. Sort by supply_apy, borrow_apy (cheapest first) or tvl. Use to find the best place to lend or borrow.

## Output

A list of DeFi lending market entries, each containing protocol name, chain, token symbol, supply APY, borrow APY, net borrow rate, utilisation rate, TVL in USD, total borrowed, and max LTV. Results can be sorted by supply_apy, borrow_apy, or tvl and filtered by symbol, chain, project, and minimum TVL.

## 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",
      "HEAD",
      "DELETE"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "required": [],
     "properties": {
      "sort": {
       "type": "string",
       "description": "supply_apy, borrow_apy or tvl"
      },
      "chain": {
       "type": "string",
       "description": "Chain name, e.g. Ethereum, Base"
      },
      "limit": {
       "type": "integer",
       "description": "Maximum number of results (1-100)"
      },
      "symbol": {
       "type": "string",
       "description": "Token symbol, e.g. USDC"
      },
      "project": {
       "type": "string",
       "description": "Protocol, e.g. aave"
      },
      "min_tvl_usd": {
       "type": "number",
       "description": "Minimum pool TVL (default 1,000,000)"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/defi-lending-rates-79445d96/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from bess-x402.onrender.com](https://www.zero.xyz/host/bess-x402.onrender.com/llms.txt)