# SperaxOS DeFi Lending Data API

> SperaxOS DeFi Lending Data API is a paid API for AI agents from chat.sperax.io, paid per call via x402, $0.005/call, status unknown (last checked 2026-10-11).

Retrieves AI-powered DeFi lending market intelligence and data for protocols on Base and other chains, payable per-request via x402/USDC

## Facts

- Endpoint: GET https://chat.sperax.io/api/x402/v1/data/lending?utm_source=zero.xyz
- Price: $0.005/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-11
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/speraxos-defi-lending-data-api-38ed61da
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_N52CzspoVztjaP7-X485r

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 speraxos-defi-lending-data-api-38ed61da
```

Example prompt: Pull the current DeFi lending rates and pool metrics from SperaxOS — I want to see where I can get the best supply APY for USDC on Base right now.

## When to prefer this

Choose this endpoint when you need real-time DeFi lending intelligence on Base without setting up an API key, prefer pay-per-use micro-payment pricing via x402/USDC, or want AI-enriched lending data rather than raw on-chain queries. Best for agents that need to make yield or borrowing decisions programmatically and can pay fractions of a cent per call.

## Known failure modes

- Payment not included or insufficient USDC — returns HTTP 402 with payment requirements
- Invalid or missing filter properties — returns empty or malformed response
- Protocol or chain not supported — no data returned for that filter
- Network or provider downtime — service unavailable error
- Wallet identity not recognized for free SIWX tier — payment required

## How this service works

AI-powered DeFi intelligence APIs payable via the x402 HTTP payment protocol. No API key required — pay per request with USDC on Base. Identity-only (SIWX) endpoints are free for wallets with an agentcash identity.

## Output

Returns structured DeFi lending market data including supply and borrow APYs, pool utilization rates, available liquidity, and protocol-level metrics for lending platforms, powered by SperaxOS AI intelligence.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "properties": {
   "type": "string"
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/speraxos-defi-lending-data-api-38ed61da/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from chat.sperax.io](https://www.zero.xyz/host/chat.sperax.io/llms.txt)