# RWA vs DeFi Yield Benchmark

> RWA vs DeFi Yield Benchmark is a paid API for AI agents from 402.com.tr, paid per call via x402, $0.02/call, status unknown (last checked 2026-10-30).

Compares institutional RWA yields (US Treasury 4W / SOFR ~4.85%) against live onchain Base DeFi lending rates and recommends an allocation strategy in basis points spread

## Facts

- Endpoint: GET https://402.com.tr/api/x402/rwa-yield-benchmark?utm_source=zero.xyz
- Price: $0.02/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-30
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/rwa-vs-defi-yield-benchmark-c2f1a627
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_KqN82iQdyepabfiL7-D6Z

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 rwa-vs-defi-yield-benchmark-c2f1a627
```

Example prompt: What's the current yield spread between US Treasuries and Base DeFi lending markets like Morpho and Moonwell right now, and should my AI treasury be in RWA or DeFi?

## When to prefer this

Choose this endpoint when an AI agent or treasury optimizer needs a single, pre-computed comparison between institutional RWA rates and live Base DeFi lending rates, especially when the goal is an actionable allocation recommendation rather than raw rate data. It is ideal for automated treasury management agents, yield rebalancing bots, and DeFi dashboards that need a structured spread and recommendation in one call without aggregating multiple data sources manually.

## Known failure modes

- Onchain RPC call to Base may fail or time out if network is congested, returning a 503 or partial data
- DeFi protocol rate feeds may be stale or unavailable during low-liquidity periods
- RWA benchmark rate may not update in real time if the data source has a delay
- Payment of $0.02 USDC not fulfilled results in 402 Payment Required before data is returned
- No query parameters to filter by protocol, so all markets are always returned together

## How this service works

🆕 Compares institutional risk-free RWA yields (US Treasury 4W / SOFR benchmark ~4.85%) against live onchain Base DeFi lending markets (Morpho Blue cbBTC/USDC, Moonwell Flagship USDC). Computes spread in basis points and produces an actionable allocation recommendation (rwa_favored, defi_favored, balanced) for AI treasuries and yield optimizers. Not financial advice.

## Output

Returns the current RWA institutional yield (US Treasury 4W / SOFR benchmark), live onchain DeFi lending rates from Morpho Blue cbBTC/USDC and Moonwell Flagship USDC on Base, the computed spread in basis points between them, and an actionable allocation recommendation (rwa_favored, defi_favored, or balanced) for AI treasuries and yield optimizers.

## 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"
     ],
     "type": "string"
    },
    "pathParams": {
     "type": "object"
    },
    "queryParams": {
     "type": "object",
     "properties": {}
    }
   },
   "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/rwa-vs-defi-yield-benchmark-c2f1a627/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from 402.com.tr](https://www.zero.xyz/host/402.com.tr/llms.txt)