# Vextorium DeFi Borrow Rates

> Vextorium DeFi Borrow Rates is a paid API for AI agents from api.vextorium.com, paid per call via x402, $0.006/call, status unknown (last checked 2026-10-11).

Returns the cheapest cross-chain DeFi borrowing markets for a given token, ranked by net borrow cost after incentives.

## Facts

- Endpoint: POST https://api.vextorium.com/v1/defi-borrow-rates?utm_source=zero.xyz
- Price: $0.006/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-11
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/vextorium-defi-borrow-rates-e88ac442
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_wfP3qqmyLfE_vUWRrYJuM

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 vextorium-defi-borrow-rates-e88ac442 -d '<json body>'
```

Example prompt: Find me the top 5 cheapest places to borrow USDC across all DeFi chains right now — I only want pools with at least $2 million TVL, and rank them by net cost after incentives.

## When to prefer this

Use this endpoint when you need to compare real borrowing costs across multiple DeFi protocols and chains simultaneously, especially when borrow incentives make headline APY misleading. Prefer this over manually querying individual protocol dashboards when you need cross-chain coverage or want to filter by TVL and liquidity. Best for agents helping users find the cheapest place to take a DeFi loan or for yield optimization workflows.

## Known failure modes

- Token not recognized or unsupported — returns empty or zero markets
- Network filter misspelled or unsupported chain name — may return no results
- min_tvl too high — filters out all available pools, returning empty list
- DefiLlama upstream data unavailable or stale — may return outdated rates
- limit out of range (must be 1-50) — validation error

## How this service works

Where to borrow a token cheapest across DeFi lending markets (Aave, Compound, Morpho, Spark, Euler...): borrow APY, borrow incentives, net cost, supply APY, max LTV, utilization and available liquidity, by chain. Live from DefiLlama.

## Output

Returns a ranked list of DeFi borrowing markets for the requested token, each including: protocol name, chain, pool ID, borrow APY, deposit APY, borrow incentives APY, net cost percentage (borrow minus incentives), available liquidity in USD, utilization percentage, and max LTV. Also returns total number of markets found and a note about data interpretation. Data sourced from DefiLlama.

## 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",
    "bodyType",
    "body"
   ],
   "properties": {
    "body": {
     "required": [
      "token"
     ],
     "properties": {
      "limit": {
       "type": "integer",
       "description": "Markets (1-50, default 10)"
      },
      "token": {
       "type": "string",
       "description": "Token to borrow, e.g. USDC, WETH, WBTC"
      },
      "min_tvl": {
       "type": "number",
       "description": "Minimum pool TVL in USD (default 1,000,000)"
      },
      "network": {
       "type": "string",
       "description": "Chain filter, e.g. Ethereum, Base, Arbitrum (optional)"
      }
     }
    },
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "POST"
     ],
     "type": "string"
    },
    "bodyType": {
     "enum": [
      "json",
      "form-data",
      "text"
     ],
     "type": "string"
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": [
      "object",
      "null"
     ],
     "properties": {
      "note": {
       "type": [
        "string",
        "null"
       ]
      },
      "token": {
       "type": [
        "string",
        "null"
       ]
      },
      "markets": {
       "type": [
        "number",
        "null"
       ]
      },
      "network": {},
      "cheapest": {
       "type": [
        "array",
        "null"
       ],
       "items": {
        "type": [
         "null",
         "object"
        ],
        "properties": {
         "pool": {
          "type": [
           "null",
           "string"
          ]
         },
         "chain": {
          "type": [
           "null",
           "string"
          ]
         },
         "token": {
          "type": [
           "null",
           "string"
          ]
         },
         "max_ltv": {
          "type": [
           "null",
           "number"
          ]
         },
         "protocol": {
          "type": [
           "null",
           "string"
          ]
         },
         "net_cost_pct": {
          "type": [
           "null",
           "number"
          ]
         },
         "available_usd": {
          "type": [
           "null",
 
… (truncated)
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "note": "Net cost = borrow APY minus incentives. High utilization = the rate can rise fast. Source: DefiLlama.",
  "token": "USDC",
  "markets": 41,
  "network": null,
  "cheapest": [
   {
    "pool": "5a97dc57-ea99-4d8b-aac9-b1b8b80c6b60",
    "chain": "Aptos",
    "token": "USDC",
    "max_ltv": 0.8,
    "protocol": "echelon-market",
    "net_cost_pct": -0.217,
    "available_usd": 1765486,
    "borrow_apy_pct": 5.574,
    "deposit_apy_pct": 1.616,
    "utilization_pct": 44.6,
    "borrow_incentives_pct": 5.79
   },
   {
    "pool": "d9c395b9-00d0-4426-a6b3-572a6dd68e54",
    "chain": "Arbitrum",
    "token": "USDC",
    "max_ltv": 0,
    "protocol": "compound-v3",
    "net_cost_pct": 3.835,
    "available_usd": 2348842,
    "borrow_apy_pct": 3.835,
    "deposit_apy_pct": 3.026,
    "utilization_pct": 84.1,
    "borrow_incentives_pct": 0
   }
  ]
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/vextorium-defi-borrow-rates-e88ac442/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.vextorium.com](https://www.zero.xyz/host/api.vextorium.com/llms.txt)