# HTTPay Lending Rates API

> HTTPay Lending Rates API is a paid API for AI agents from httpay.xyz, paid per call via x402, $0.01/call, status unknown (last checked 2026-09-14).

Returns current supply APY, borrow APY, utilization rate, and TVL across major Base lending protocols (Aave V3, Morpho, Moonwell, Compound V3, Seamless) for yield optimization.

## Facts

- Endpoint: POST https://httpay.xyz/api/lending-rates
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/httpay-lending-rates-api-4cac076b
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_3JmKHktXN2wBdSoAcc5zv

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 httpay-lending-rates-api-4cac076b -d '<json body>'
```

Example prompt: What are the best supply and borrow rates right now across Aave V3, Morpho, Moonwell, Compound V3, and Seamless on Base? I want to find where I can earn the highest APY on my USDC.

## When to prefer this

Use this endpoint when an agent needs to compare DeFi lending and borrowing rates across multiple Base protocols in a single call, without managing API keys or subscriptions. Ideal for yield optimization workflows, DeFi dashboards, and automated rebalancing agents operating on Base.

## Known failure modes

- Payment required (402): USDC x402 payment not included or insufficient — must pay $0.01 USDC per call
- Upstream data unavailable: on-chain RPC or protocol subgraph unreachable, returns error or stale data
- Rate limiting: excessive calls may be throttled
- Empty result: no data available for a specific token or protocol at query time

## How this service works

Compare lending and borrowing rates across all Base lending protocols: Aave V3, Morpho, Moonwell, Compound V3, Seamless. Per token: supply APY, borrow APY, utilization rate, TVL. Useful for yield optimization agents finding the best rates.

## Output

A JSON object listing per-token lending and borrowing data across all major Base lending protocols, including supply APY, borrow APY, utilization rate, and TVL — enabling direct comparison for yield optimization decisions.

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "description": "Compare lending and borrowing rates across all Base lending protocols: Aave V3, Morpho, Moonwell, Compound V3, Seamless. Per token: supply APY, borrow APY, utilization rate, TVL. Useful for yield optimization agents finding the best rates."
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/httpay-lending-rates-api-4cac076b/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from httpay.xyz](https://www.zero.xyz/host/httpay.xyz/llms.txt)