# DeFiLlama Lending Rates API

> DeFiLlama Lending Rates API is a paid API for AI agents from money-reactor.makar52nn2016.workers.dev, paid per call via x402, $0.05/call, status unknown (last checked 2026-11-02).

Returns current DeFi lending rates including market, chain, asset, supply APY, borrow APY, and TVL from DeFiLlama

## Facts

- Endpoint: GET https://money-reactor.makar52nn2016.workers.dev/api/lending-rates?utm_source=zero.xyz
- Price: $0.05/call
- Payment: x402
- Status: unknown
- Last checked: 2026-11-02
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/defillama-lending-rates-api-50612e34
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_fIrf1XhJeboLNvmwRQjKh

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 defillama-lending-rates-api-50612e34
```

Example prompt: Can you pull the current DeFiLlama lending rates and show me which markets have the highest supply APY and what the TVL looks like across chains?

## When to prefer this

Use this endpoint when you need a broad, real-time snapshot of DeFi lending rates across multiple protocols and chains sourced from DeFiLlama. Prefer it over on-chain calls when you need aggregated cross-protocol data without building your own indexer. Ideal for yield optimization agents, credit pricing tools, or DeFi dashboards that need supply/borrow APYs and TVL in one call.

## Known failure modes

- DeFiLlama upstream API unavailable — returns error or empty data
- Rate limiting or payment failure for the $0.05 x402 fee — returns 402 Payment Required
- Stale data if DeFiLlama indexer lags behind on-chain state
- No filtering parameters mean the full dataset must be parsed client-side

## How this service works

Lending rates right now (DeFiLlama): market, chain, asset, supply APY, borrow APY, TVL - deploy idle capital or price credit

## Output

Returns a list of DeFi lending markets with fields including market name, chain, asset, current supply APY (%), borrow APY (%), and TVL in USD — sourced live from DeFiLlama.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "input": {
   "type": "object",
   "properties": {
    "queryParams": {
     "type": "object",
     "properties": {}
    }
   }
  },
  "output": {
   "type": "object",
   "properties": {
    "example": {
     "ok": true,
     "price_usd": "0.05",
     "description": "Lending rates right now (DeFiLlama): market, chain, asset, supply APY, borrow APY, TVL - deploy idle capital or price credit"
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/defillama-lending-rates-api-50612e34/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from money-reactor.makar52nn2016.workers.dev](https://www.zero.xyz/host/money-reactor.makar52nn2016.workers.dev/llms.txt)