# Market Intelligence API – DeFi Yields & Lending Rates

> Market Intelligence API – DeFi Yields & Lending Rates is a paid API for AI agents from api.marketintelligenceapi.com, paid per call via x402, $0.002/call, status unknown (last checked 2026-10-10).

Returns live supply and borrow APY, utilization, and TVL for every Aave v3, Spark, and Compound v3 market across five chains, refreshed every 10 minutes, sorted by highest supply APY.

## Facts

- Endpoint: GET https://api.marketintelligenceapi.com/api/v1/markets/yields?utm_source=zero.xyz
- Price: $0.002/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-10
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/market-intelligence-api-defi-yields-lending-rates-21299541
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_cJqCweUlS8MW9V7KzJd3S

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 market-intelligence-api-defi-yields-lending-rates-21299541
```

Example prompt: What's the best supply APY available for USDC right now across Aave v3, Spark, and Compound on Ethereum and Base — only show markets with at least $1 million in TVL?

## When to prefer this

Use this endpoint when you need live, cross-protocol DeFi lending rates in a single call — especially when comparing supply or borrow APYs across Aave v3, Spark, and Compound v3 simultaneously. It is the right choice over scraping protocol UIs or calling individual protocol APIs because it normalizes data across five chains and three protocols, refreshes every 10 minutes, and returns results ranked by APY. Prefer it when the user wants to optimize yield on stablecoins or ETH, understand market utilization, or monitor lending market conditions programmatically.

## Known failure modes

- Invalid or unsupported asset symbol returns an empty result set
- Chain or protocol enum value misspelled returns a 400 validation error
- minTvlUsd set too high filters out all markets, returning an empty array
- Payment not sent or insufficient USDC balance results in a 402 Payment Required error
- On-chain data temporarily unavailable during indexing window returns stale or partial data

## How this service works

DeFi yields and lending rates, live APY ($0.002): supply and borrow APY, utilization and USD size of every Aave v3 (Ethereum, Base, Arbitrum, Optimism, Polygon), Spark and Compound v3 market, read on chain every 10 minutes, highest supply APY first, with the best USDC, USDT, WETH, WBTC and DAI rate. Filter by asset (or stablecoins), chain, protocol and minimum TVL. Use to find where idle stablecoins or ETH earn most.

## Output

A ranked JSON array of lending markets, each containing the protocol name, chain, asset symbol, supply APY, borrow APY, utilization rate, and total supplied in USD — ordered by highest supply APY first, filtered per the query parameters.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input",
  "output"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "properties": {
      "asset": {
       "type": "string",
       "description": "Token symbol (USDC, USDT, WETH, WBTC, DAI, ...), or stablecoins for every dollar and euro stablecoin; all assets when omitted."
      },
      "chain": {
       "enum": [
        "ethereum",
        "base",
        "arbitrum",
        "optimism",
        "polygon"
       ],
       "type": "string",
       "description": "Only markets on this chain. Not the payment network."
      },
      "limit": {
       "type": "integer",
       "default": 25,
       "maximum": 200,
       "minimum": 1,
       "description": "Maximum markets returned."
      },
      "protocol": {
       "enum": [
        "aave_v3",
        "spark",
        "compound_v3"
       ],
       "type": "string",
       "description": "Only this protocol."
      },
      "minTvlUsd": {
       "type": "number",
       "default": 1000000,
       "minimum": 0,
       "description": "Leave out markets with less than this supplied (USD)."
      }
     },
     "additionalProperties": false
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "description": "Example JSON response returned by this endpoint"
    }
   },
   "additionalProperties": true
  }
 },
 "additionalProperties": false
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/market-intelligence-api-defi-yields-lending-rates-21299541/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.marketintelligenceapi.com](https://www.zero.xyz/host/api.marketintelligenceapi.com/llms.txt)