{"uid":"cap_c1081jCqXr2aNRiRnOO8H","slug":"defi-borrow-rate-finder-10633582","name":"DeFi Borrow Rate Finder","description":"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.","url":"https://api.vextorium.com/defi-prestamos-pago?utm_source=zero.xyz","method":"POST","headers":{},"bodySchema":{"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":{"red":{"type":"string","description":"Chain filter, e.g. Ethereum, Base, Arbitrum (optional)"},"token":{"type":"string","description":"Token to borrow, e.g. USDC, WETH, WBTC"},"limite":{"type":"integer","description":"Markets (1-50, default 10)"},"tvl_min":{"type":"number","description":"Minimum pool TVL in USD (default 1,000,000)"}}},"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":{"red":{},"nota":{"type":["string","null"]},"token":{"type":["string","null"]},"mercados":{"type":["number","null"]},"mas_baratos":{"type":["array","null"],"items":{"type":["null","object"],"properties":{"pool":{"type":["null","string"]},"token":{"type":["null","string"]},"cadena":{"type":["null","string"]},"ltv_max":{"type":["null","number"]},"protocolo":{"type":["null","string"]},"coste_neto_pct":{"type":["null","number"]},"disponible_usd":{"type":["null","number"]},"utilizacion_pct":{"type":["null","number"]},"apy_deposito_pct":{"type":["null","number"]},"apy_prestamo_pct":{"type":["null","number"]},"incentivos_prestamo_pct":{"type":["null","number"]}}}}}}}}}},"responseSchema":{"type":"json","example":{"red":null,"nota":"Coste neto = APY de préstamo menos incentivos. Utilización alta = el tipo puede subir rápido. Fuente: DefiLlama.","token":"USDC","mercados":41,"mas_baratos":[{"pool":"5a97dc57-ea99-4d8b-aac9-b1b8b80c6b60","token":"USDC","cadena":"Aptos","ltv_max":0.8,"protocolo":"echelon-market","coste_neto_pct":-0.217,"disponible_usd":1765486,"utilizacion_pct":44.6,"apy_deposito_pct":1.616,"apy_prestamo_pct":5.574,"incentivos_prestamo_pct":5.79},{"pool":"d9c395b9-00d0-4426-a6b3-572a6dd68e54","token":"USDC","cadena":"Arbitrum","ltv_max":0,"protocolo":"compound-v3","coste_neto_pct":3.835,"disponible_usd":2348842,"utilizacion_pct":84.1,"apy_deposito_pct":3.026,"apy_prestamo_pct":3.835,"incentivos_prestamo_pct":0},{"pool":"0758c3b8-4ffb-4176-b0a9-f446e367db46","token":"USDC","cadena":"OP Mainnet","ltv_max":0.75,"protocolo":"aave-v3","coste_neto_pct":3.843,"disponible_usd":1455810,"utilizacion_pct":86.5,"apy_deposito_pct":2.99,"apy_prestamo_pct":3.843,"incentivos_prestamo_pct":0},{"pool":"a0860ad8-ba2a-4ff8-8a13-348788864f23","token":"USDC","cadena":"Sui","ltv_max":0.7,"protocolo":"current","coste_neto_pct":3.932,"disponible_usd":20854691,"utilizacion_pct":61,"apy_deposito_pct":1.92,"apy_prestamo_pct":3.932,"incentivos_prestamo_pct":0},{"pool":"65ce8276-b4d9-41ba-9f6f-21fc374cf9bc","token":"USDC","cadena":"Ethereum","ltv_max":0,"protocolo":"sparklend","coste_neto_pct":4.176,"disponible_usd":4094116,"utilizacion_pct":90.2,"apy_deposito_pct":3.39,"apy_prestamo_pct":4.176,"incentivos_prestamo_pct":0}]}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.006","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"registry","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":"$0.006/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.006","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.006","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_DeDVe16X6Yl-KMHaHNT55","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.006","costPer":"request","priority":0,"asset":null,"unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Returns the cheapest borrow rates for a given token across DeFi lending protocols (Aave, Compound, Morpho, Spark, Euler, etc.), ranked by net cost after incentives, with LTV, utilization, and available liquidity per chain.","exampleAgentPrompt":"Find me the cheapest places to borrow USDC across all DeFi chains right now — show me the top 10 markets by net cost after incentives, including borrow APY, available liquidity, max LTV, and utilization.","exampleUseCases":[{"title":"Cheapest WETH borrow across chains","prompt":"Where can I borrow WETH the cheapest right now across all DeFi protocols? Show me the top 5 markets with their net borrow cost, max LTV, and how much liquidity is available."},{"title":"Chain-specific USDC borrow comparison","prompt":"I want to borrow USDC on Arbitrum — which DeFi protocols have the lowest net borrow rate there right now? Include borrow APY, any incentives, and how much is available to borrow."},{"title":"Finding low-utilization borrow markets","prompt":"Show me the top 10 DeFi markets where I can borrow WBTC — I want to see utilization rates so I can avoid markets that might spike on me, and only include pools with at least $5,000,000 in TVL."}],"resultDescription":"Returns a ranked list of lending markets for the requested token, sorted by net borrow cost (borrow APY minus incentives). Each market entry includes protocol name, chain, pool ID, borrow APY, deposit APY, borrow incentives, net cost percentage, max LTV, pool utilization percentage, and available liquidity in USD. Also returns total number of markets found and a contextual note.","failureModes":["Token not found or unsupported — returns empty or null markets list","Chain filter typo returns no results for that chain","TVL minimum too high — filters out all available markets","DefiLlama data temporarily unavailable — stale or error response","Rate limit or payment failure — HTTP 402 or 429 response"],"whenToPreferThis":"Choose this endpoint when you need real-time cross-protocol borrow rate comparison across multiple DeFi lending markets sourced from DefiLlama. Ideal when the user wants to minimize borrowing costs, compare net rates after incentives, or assess liquidity and utilization risk across chains. Prefer over manual protocol checks or single-protocol APIs when breadth of coverage (Aave, Compound, Morpho, Spark, Euler, etc.) matters.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-12T12:42:48.739Z","isFirstParty":false,"canonicalSlug":"defi-borrow-rate-finder-10633582"}