# PayAI DeFi Lending Rates

> PayAI DeFi Lending Rates is a paid API for AI agents from payai.agentstools.dev, paid per call via x402, $0.01/call, status unknown (last checked 2026-09-15).

Returns cross-protocol supply and borrow APYs, reward rates, utilization, LTV, and available liquidity for assets on Base across Aave, Compound, Morpho, Euler, Fluid, and Moonwell, plus a risk-aware best-safe-yield ranking.

## Facts

- Endpoint: GET https://payai.agentstools.dev/lending/rates
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/payai-defi-lending-rates-f2c577a1
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_h3TRiPKV6RphgCPBh2g-K

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 payai-defi-lending-rates-f2c577a1
```

Example prompt: What are the best safe supply and borrow rates for USDC on Base right now — show me APYs, reward rates, and available liquidity across Aave, Compound, Morpho, Euler, Fluid, and Moonwell, and tell me which protocol has the best risk-adjusted yield?

## When to prefer this

Choose this endpoint when you need a multi-protocol, risk-aware comparison of DeFi lending rates specifically on Base, especially when you want reward APYs and a safety-ranked best-yield recommendation rather than just raw max APY. Prefer it over manually querying individual protocol APIs or generic DeFi dashboards when you need fused, normalized data across Aave, Compound, Morpho, Euler, Fluid, and Moonwell in a single call.

## Known failure modes

- Unsupported asset symbol returns empty or error result
- Chain other than Base is not supported and will be rejected
- DefiLlama upstream data may be delayed or stale during outages
- Rate limit or payment failure returns 402 or 429 error
- Malformed query parameters (invalid enum value) return 400 validation error

## How this service works

Cross-protocol DeFi money-market supply/borrow rates for an asset on Base: per-market supply APY, borrow APY, reward APY, utilization, LTV and available liquidity across Aave/Compound/Morpho/Euler/Fluid/Moonwell, plus a risk-aware best-safe-yield ranking (safety-flagged, not naked max APY), fused by us from DefiLlama pools+lendBorrow.

## Output

A list of per-protocol records for the requested asset on Base, each containing supply APY, borrow APY, reward APY, utilization rate, LTV, and available liquidity, plus a risk-aware best-safe-yield ranking that flags safety concerns rather than simply returning the naked maximum APY.

## 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": {
      "side": {
       "enum": [
        "supply",
        "borrow",
        "both"
       ],
       "type": "string",
       "description": "Which ranking to compute (default both)"
      },
      "asset": {
       "type": "string",
       "description": "Token symbol to fuse rates for, e.g. USDC / ETH / WETH; omit for all assets"
      },
      "chain": {
       "enum": [
        "Base"
       ],
       "type": "string",
       "description": "Chain (default Base)"
      }
     }
    }
   },
   "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/payai-defi-lending-rates-f2c577a1/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from payai.agentstools.dev](https://www.zero.xyz/host/payai.agentstools.dev/llms.txt)