Defi Lending

DeFi Lending

Query lending/borrowing rates, positions, and protocol data across major DeFi lending platforms.

APIs

DefiLlama Yields (Free, no auth) — Best starting point

Base: https://yields.llama.fi

All lending pools with APY:

web_fetch url="https://yields.llama.fi/pools"

Returns ~10k+ pools. Filter client-side by project and chain. Key fields: apy (supply APY), apyBorrow (borrow APY), tvlUsd, pool (unique ID)

Single pool detail + history:

web_fetch url="https://yields.llama.fi/chart/POOL_ID"

Filter tips: Search response for "project":"aave-v3", "project":"compound-v3", "project":"morpho", "project":"spark".

Aave V3 Subgraph (Free, no auth)

Get all reserves with rates:

exec command="curl -s -X POST 'https://api.thegraph.com/subgraphs/name/aave/protocol-v3' -H 'Content-Type: application/json' -d '{\"query\":\"{reserves(first:100){name symbol underlyingAsset liquidityRate variableBorrowRate stableBorrowRate availableLiquidity totalCurrentVariableDebt totalDeposits reserveFactor baseLTVasCollateral reserveLiquidationThreshold}}\"}"

Rates are in RAY (27 decimals). Convert: rate / 1e27 * 100 = APY%

User positions on Aave:

exec command="curl -s -X POST 'https://api.thegraph.com/subgraphs/name/aave/protocol-v3' -H 'Content-Type: application/json' -d '{\"query\":\"{userReserves(where:{user:\\\"0xUSER_ADDRESS_LOWERCASE\\\"}){reserve{symbol}currentATokenBalance currentVariableDebt currentStableDebt}}\"}"

Multi-chain Aave subgraph endpoints:

See references/aave-v3.md for contract addresses per chain.

Aave V3 On-Chain via RPC

Get user account data (health factor, total collateral/debt):

exec command="curl -s -X POST https://eth.llamarpc.com -H 'Content-Type: application/json' -d '{\"jsonrpc\":\"2.0\",\"method\":\"eth_call\",\"params\":[{\"to\":\"0x87870Bca3F3fD6335C3F4ce8392D69350B4fA4E2\",\"data\":\"0xbf92857c000000000000000000000000USER_ADDRESS_NO_0x\"},\"latest\"],\"id\":1}'"

Returns: totalCollateralBase, totalDebtBase, availableBorrowsBase, currentLiquidationThreshold, ltv, healthFactor All values in base currency (USD with 8 decimals). Health factor has 18 decimals. Health factor < 1.0 = liquidatable. Warn user if < 1.5.

Morpho (GraphQL API)

Get Morpho Blue markets:

exec command="curl -s -X POST 'https://blue-api.morpho.org/graphql' -H 'Content-Type: application/json' -d '{\"query\":\"{markets(first:20 orderBy:TotalSupplyUsd orderDirection:Desc){items{uniqueKey loanAsset{symbol address} collateralAsset{symbol address} lltv state{supplyApy borrowApy totalSupplyUsd totalBorrowUsd utilization}}}}\"}"

Morpho Vaults (curated lending):

exec command="curl -s -X POST 'https://blue-api.morpho.org/graphql' -H 'Content-Type: application/json' -d '{\"query\":\"{vaults(first:20 orderBy:TotalAssetsUsd orderDirection:Desc){items{name symbol address chain{id} state{totalAssetsUsd apy netApy fee} asset{symbol}}}}\"}"

Compound V3 (Comet)

Get base asset rates via RPC (getSupplyRate, getBorrowRate):

exec command="curl -s -X POST https://eth.llamarpc.com -H 'Content-Type: application/json' -d '{\"jsonrpc\":\"2.0\",\"method\":\"eth_call\",\"params\":[{\"to\":\"0xc3d688B66703497DAA19211EEdff47f25384cdc3\",\"data\":\"0xd955b861\"},\"latest\"],\"id\":1}'"

Compound V3 Comet (USDC market) on Ethereum: 0xc3d688B66703497DAA19211EEdff47f25384cdc3 0xd955b861 = getSupplyRate(0), 0xa5b4ff79 = getBorrowRate(0) Rate is per-second. APY = (1 + rate/1e18)^(365*24*3600) - 1

Usage Tips

• Start with DefiLlama yields for a quick comparison across all protocols
• Use Aave subgraph for detailed position data and historical rates
• Health factor = total collateral * liquidation threshold / total debt
• When comparing rates, note: supply APY includes incentive rewards on DefiLlama (apyReward)
• Morpho typically offers better rates than Aave/Compound by matching lenders to borrowers
• For large positions, check utilization rate — high utilization can affect withdrawal liquidity