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Market Intelligence API – DeFi vs TradFi Yield Spread
x402
Market Intelligence API – DeFi vs TradFi Yield Spread is a paid API for AI agents from api.marketintelligenceapi.com, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-10).
Returns USDC supply and borrow APRs on Aave v3 across five chains alongside the 3-month T-bill rate, computing the spread in basis points and interpreting on-chain leverage demand.
Price / call$0.01
Success—
StatusUnknown
How this service works
DeFi lending rates vs Treasury yields: USDC supply and borrow APR on Aave v3 across five chains, read on chain, against the 3-month T-bill, with the spread and what it says about on-chain leverage demand. Use to compare DeFi and TradFi dollar yields.
Output
A JSON object containing the 3-month T-bill rate, a per-chain breakdown of USDC supply and variable borrow APRs on Aave v3, the spread in basis points versus the T-bill for each chain, an average spread across all chains, and a named signal (e.g. TREASURY_PREMIUM) summarizing what the spread implies about on-chain leverage demand.
Example use cases
DeFi vs Treasury yield decision
“Should I park my USDC on Aave v3 or just buy T-bills? Pull the current supply APR across all chains and tell me the spread versus the 3-month T-bill rate.”
On-chain leverage demand monitoring
“What does the Aave v3 borrow APR spread versus Treasuries say about on-chain leverage demand right now — is borrowing pressure elevated?”
Best chain for USDC lending
“Which chain on Aave v3 is currently offering the highest USDC supply APR relative to the 3-month T-bill, and what's the spread there?”
Technical details
Endpoint
GEThttps://api.marketintelligenceapi.com/api/v1/rates/defi-spread?utm_source=zero.xyzWhen to prefer
Choose this endpoint when you need a real-time, cross-chain comparison of DeFi stablecoin yields against the risk-free rate, with an interpreted macro signal about on-chain leverage demand — rather than just raw Aave rates in isolation or a single-chain view.
Side effects
- On-chain RPC unavailability may cause missing or stale chain data
- T-bill rate data source outage could return null for treasury3mPercent
- Rate limiting or payment failure (x402) returns 402 Payment Required
- Unexpected Aave v3 contract changes could cause incorrect APR readings
- Network timeout for slow chains may result in partial market data
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object | |
| outputrequired | object |
Output
Schema · Response
{
"type": "json",
"example": {
"signal": "TREASURY_PREMIUM",
"markets": [
{
"chain": "base",
"protocol": "aave_v3",
"supplyAprPercent": 3.97,
"spreadVs3mBillBps": -27,
"variableBorrowAprPercent": 4.89
}
],
"averageSpreadBps": -92,
"treasury3mPercent": 4.24,
"averageUsdcSupplyAprPercent": 3.32
}
}Tags
x402
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