# x402 DeFi Intel - Lending Intelligence

> x402 DeFi Intel - Lending Intelligence is a paid API for AI agents from cryptodefidataintel-production.up.railway.app, paid per call via x402, $0.004/call, status unknown (last checked 2026-09-16).

Returns cross-chain DeFi lending market data including supply/borrow APYs, ranked by rate, filtered by asset, chain, and TVL

## Facts

- Endpoint: GET https://cryptodefidataintel-production.up.railway.app/api/lending-intel
- Price: $0.004/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-16
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/x402-defi-intel-lending-intelligence-b7052449
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_R7cV6ztvxWLR65aVsrAgc

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 x402-defi-intel-lending-intelligence-b7052449
```

Example prompt: Show me the top 5 supply rates for USDC across all chains, only protocols with at least $1M TVL — ranked by best supply APY.

## When to prefer this

Use this endpoint when an agent needs to compare DeFi lending and borrowing rates across protocols and chains, particularly when the user wants ranked, insight-annotated results with confidence scoring rather than raw data. Prefer over manual DeFiLlama scraping when you need structured, agent-ready output with a single pay-per-call model.

## Known failure modes

- No markets found for specified asset/chain combination — empty data array returned
- Invalid chain or asset name — may return empty results or 400 error
- minTvl set too high — filters out all results
- Payment not received (x402) — 402 Payment Required response
- Upstream DeFiLlama data unavailable — reduced confidence or stale data

## How this service works

Crypto-agent toolkit: cross-chain DeFi intelligence + execution helpers + retrieval for agents. 16 endpoints: funding, open interest, long/short, token-safety, yield, prices, gas, tx-simulate, approval-check, bridge-quote, governance-search, lending, liquidations, protocol-search, swap-quote, token-resolve. Pay-per-call via x402.

## Output

Returns a JSON array of lending market entries with protocol name, chain, token symbol, supply APY, and borrow APY, plus a ranked insight string (e.g. 'Best supply rate: USDC on aave-v3 (Base)'), data sources (DeFiLlama), and a confidence score between 0 and 1.

## 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"
    },
    "queryParams": {
     "type": "object",
     "required": [],
     "properties": {
      "side": {
       "type": "string"
      },
      "asset": {
       "type": "string"
      },
      "chain": {
       "type": "string"
      },
      "limit": {
       "type": "integer"
      },
      "minTvl": {
       "type": "number"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "data": [
   {
    "chain": "Base",
    "symbol": "USDC",
    "project": "aave-v3",
    "borrowApy": 6.8,
    "supplyApy": 5.2
   }
  ],
  "signal": "supply_rate_ranked",
  "insight": "Best supply rate: USDC on aave-v3 (Base).",
  "sources": [
   "defillama"
  ],
  "confidence": 0.8
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/x402-defi-intel-lending-intelligence-b7052449/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from cryptodefidataintel-production.up.railway.app](https://www.zero.xyz/host/cryptodefidataintel-production.up.railway.app/llms.txt)