{"uid":"cap_C769ms5ESz7G0hy8qWmJc","slug":"base-lending-rates-supply-apy-quoted-vs-realized-1f32411f","name":"Base Lending Rates: Supply APY Quoted vs Realized","description":"Lending rates on Base: supply APY for every tracked money market and lending vault (Aave, Morpho, Compound, Moonwell and others), quoted next to the APY lenders actually earned over 7 and 30 days, read on-chain, with a risk score. Useful for choosing where to lend USDC, ETH or stablecoins. Ids work with every other route. 404 for unknown paths and 400 for invalid arguments, before any payment; 503 while data refreshes; charged only for a 200.","url":"https://intel.fintechhodl.com/api/v1/lending-rates?utm_source=zero.xyz","method":"GET","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input"],"properties":{"input":{"type":"object","required":["type","method"],"properties":{"type":{"type":"string","const":"http"},"method":{"enum":["GET"],"type":"string"},"queryParams":{"type":"object","properties":{"sort":{"enum":["risk_adjusted","realized_apy","quoted_apy","sustainable_apy","tvl"],"type":"string","description":"Order: risk_adjusted (default) ranks by opportunity score; realized_apy by the 30-day realized APY; sustainable_apy by the APY expected once incentives fade."},"asset":{"type":"string","pattern":"^[A-Za-z0-9._-]{1,20}$","examples":["USDC"],"description":"Token symbol, e.g. USDC or WETH."},"limit":{"type":"integer","maximum":50,"minimum":1,"description":"How many items (default 20)."},"min_apy":{"type":"number","maximum":100000,"minimum":0,"description":"Minimum quoted APY, percent."},"risk_max":{"type":"number","maximum":100,"minimum":0,"description":"Maximum risk score (0-100, lower is lower modelled risk)."},"stable_only":{"type":"boolean","description":"Only stablecoin principal."},"realized_only":{"type":"boolean","description":"Only opportunities with a realized on-chain APY."}},"additionalProperties":false}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"example":{"type":"object","required":["as_of","model_version","coverage","items"],"properties":{"as_of":{"type":"string","description":"Hour the data describes (ISO 8601, UTC)."},"count":{"type":"integer","description":"Matches before the limit."},"items":{"type":"array","items":{"type":"object","properties":{"id":{"type":"string","description":"Opportunity id, usable with every other route."},"apy":{"type":"number","description":"Quoted APY, percent."},"type":{"type":"string"},"asset":{"type":["string","null"]},"market":{"type":"string"},"tvl_usd":{"type":"number"},"apy_base":{"type":["number","null"],"description":"Quoted APY without token rewards."},"protocol":{"type":"string"},"apy_gap_pp":{"type":["number","null"],"description":"Quoted minus realized, percentage points."},"apy_reward":{"type":["number","null"],"description":"Part of the quoted APY paid in token incentives."},"risk_score":{"type":"number"},"realized_days":{"type":"integer"},"accrual_source":{"type":["object","null"],"description":"Contract and kind of the on-chain number, to verify it."},"realized_as_of":{"type":["string","null"],"description":"UTC day of the newest on-chain reading."},"realized_apy_7d":{"type":["number","null"],"description":"APY earned over the last 7 days, from on-chain share prices, compounded."},"sustainable_apy":{"type":"number"},"realized_apy_30d":{"type":["number","null"],"description":"APY earned over the last 30 days."},"opportunity_score":{"type":"number"},"realized_vs_quoted":{"enum":["matches","overstated","understated","unknown"],"type":"string"},"quoted_apy_compared":{"enum":["base","total"],"type":"string","description":"Which quote the realized figure is compared with."}}}},"coverage":{"type":"object","description":"tracked: opportunities considered; with_realized: those with an on-chain realized APY."},"disclaimer":{"type":"string"},"data_age_min":{"type":"number","description":"Minutes since the newest pool data."},"model_version":{"type":"string","description":"Scoring model version."}}}}}}},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.01","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.01/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_46t6NjfPZBF2-_-juth5I","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.01","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Returns quoted and realized supply APY for every tracked lending market on Base (Aave, Morpho, Compound, Moonwell, etc.) alongside a risk score, filterable by asset, APY threshold, and risk tolerance.","exampleAgentPrompt":"Show me the top 10 stablecoin lending opportunities on Base sorted by risk-adjusted score, only include ones with a realized on-chain APY and a risk score under 50 — I want to compare quoted vs actual earned rates across Aave, Morpho, Compound, and Moonwell.","exampleUseCases":[{"title":"Best USDC yield with low risk","prompt":"I want to lend my USDC on Base — can you pull up all the lending markets, filter to stablecoins only with a risk score under 30, and sort by risk-adjusted score so I can see which protocol actually delivered the best realized APY over the last 30 days?"},{"title":"ETH lending vault comparison","prompt":"Compare ETH lending vaults on Base for me — I want to see the quoted APY next to what lenders actually earned over the past 7 and 30 days, sorted by realized APY, limit to the top 10 results."},{"title":"High-yield stablecoin hunt with APY floor","prompt":"Find me stablecoin lending opportunities on Base where the quoted APY is at least 6%, and show me the risk score alongside each one so I can decide if the yield is worth it — sort by realized APY."}],"resultDescription":"A JSON array of lending opportunities ranked by the chosen sort key, each containing: opportunity ID (compatible with other routes), market name, asset symbol, quoted APY, base and reward APY components, 7-day and 30-day realized APY, TVL in USD, a risk score, opportunity type, and a timestamp indicating when the data was captured. Also includes total match count before the limit and model version metadata.","failureModes":["404 returned for unknown or misspelled URL paths","400 returned for invalid query parameter values (e.g. out-of-range min_apy, invalid asset symbol) before any payment is charged","503 returned temporarily while on-chain data is refreshing; retry after a short delay","Empty items array if no opportunities match the applied filters (valid 200 response)","Realized APY fields may be null if on-chain history is insufficient for a market"],"whenToPreferThis":"Use this endpoint when you need to compare lending rates across multiple Base money markets (Aave, Morpho, Compound, Moonwell) in a single call, especially when you want to contrast quoted (advertised) APY against the APY lenders actually realized on-chain over 7 or 30 days. Prefer this over individual protocol APIs when risk-scoring matters or when you want to filter by asset, APY floor, or risk ceiling without querying each protocol separately. Opportunity IDs returned here are compatible with sibling routes for deeper risk breakdowns and historical APY data.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-30T12:31:28.686Z","isFirstParty":false,"canonicalSlug":"base-lending-rates-supply-apy-quoted-vs-realized-1f32411f"}