{"uid":"cap_KqN82iQdyepabfiL7-D6Z","slug":"rwa-vs-defi-yield-benchmark-c2f1a627","name":"RWA vs DeFi Yield Benchmark","description":"🆕 Compares institutional risk-free RWA yields (US Treasury 4W / SOFR benchmark ~4.85%) against live onchain Base DeFi lending markets (Morpho Blue cbBTC/USDC, Moonwell Flagship USDC). Computes spread in basis points and produces an actionable allocation recommendation (rwa_favored, defi_favored, balanced) for AI treasuries and yield optimizers. Not financial advice.","url":"https://402.com.tr/api/x402/rwa-yield-benchmark?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"},"pathParams":{"type":"object"},"queryParams":{"type":"object","properties":{}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"example":{"type":"object"}}}}},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.02","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":"$0.02/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.02","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.02","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_3U22vSzFiQ3lelB1BuFku","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.02","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Compares institutional RWA yields (US Treasury 4W / SOFR ~4.85%) against live onchain Base DeFi lending rates and recommends an allocation strategy in basis points spread","exampleAgentPrompt":"What's the current yield spread between US Treasuries and Base DeFi lending markets like Morpho and Moonwell right now, and should my AI treasury be in RWA or DeFi?","exampleUseCases":[{"title":"AI treasury yield allocation decision","prompt":"I'm running an onchain AI treasury and need to know whether I should park funds in US Treasury RWA instruments or DeFi lending on Base right now — can you get the current yield comparison and tell me if RWA or DeFi is favored?"},{"title":"Yield optimizer rebalancing trigger","prompt":"Check the live spread between the SOFR benchmark and Morpho Blue's cbBTC/USDC and Moonwell Flagship USDC lending rates — if DeFi yields are more than 100 basis points above RWA, flag it so I can rebalance."},{"title":"Market monitor for onchain yield analyst","prompt":"Pull the latest RWA vs DeFi yield benchmark so I can see the current basis point spread between institutional risk-free rates and Base onchain lending markets, and get the allocation recommendation for my report."}],"resultDescription":"Returns the current RWA institutional yield (US Treasury 4W / SOFR benchmark), live onchain DeFi lending rates from Morpho Blue cbBTC/USDC and Moonwell Flagship USDC on Base, the computed spread in basis points between them, and an actionable allocation recommendation (rwa_favored, defi_favored, or balanced) for AI treasuries and yield optimizers.","failureModes":["Onchain RPC call to Base may fail or time out if network is congested, returning a 503 or partial data","DeFi protocol rate feeds may be stale or unavailable during low-liquidity periods","RWA benchmark rate may not update in real time if the data source has a delay","Payment of $0.02 USDC not fulfilled results in 402 Payment Required before data is returned","No query parameters to filter by protocol, so all markets are always returned together"],"whenToPreferThis":"Choose this endpoint when an AI agent or treasury optimizer needs a single, pre-computed comparison between institutional RWA rates and live Base DeFi lending rates, especially when the goal is an actionable allocation recommendation rather than raw rate data. It is ideal for automated treasury management agents, yield rebalancing bots, and DeFi dashboards that need a structured spread and recommendation in one call without aggregating multiple data sources manually.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-30T07:04:20.636Z","isFirstParty":false,"canonicalSlug":"rwa-vs-defi-yield-benchmark-c2f1a627"}