{"uid":"cap_wfP3qqmyLfE_vUWRrYJuM","slug":"vextorium-defi-borrow-rates-e88ac442","name":"Vextorium DeFi Borrow Rates","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/v1/defi-borrow-rates?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":{"limit":{"type":"integer","description":"Markets (1-50, default 10)"},"token":{"type":"string","description":"Token to borrow, e.g. USDC, WETH, WBTC"},"min_tvl":{"type":"number","description":"Minimum pool TVL in USD (default 1,000,000)"},"network":{"type":"string","description":"Chain filter, e.g. Ethereum, Base, Arbitrum (optional)"}}},"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":{"note":{"type":["string","null"]},"token":{"type":["string","null"]},"markets":{"type":["number","null"]},"network":{},"cheapest":{"type":["array","null"],"items":{"type":["null","object"],"properties":{"pool":{"type":["null","string"]},"chain":{"type":["null","string"]},"token":{"type":["null","string"]},"max_ltv":{"type":["null","number"]},"protocol":{"type":["null","string"]},"net_cost_pct":{"type":["null","number"]},"available_usd":{"type":["null","number"]},"borrow_apy_pct":{"type":["null","number"]},"deposit_apy_pct":{"type":["null","number"]},"utilization_pct":{"type":["null","number"]},"borrow_incentives_pct":{"type":["null","number"]}}}}}}}}}},"responseSchema":{"type":"json","example":{"note":"Net cost = borrow APY minus incentives. High utilization = the rate can rise fast. Source: DefiLlama.","token":"USDC","markets":41,"network":null,"cheapest":[{"pool":"5a97dc57-ea99-4d8b-aac9-b1b8b80c6b60","chain":"Aptos","token":"USDC","max_ltv":0.8,"protocol":"echelon-market","net_cost_pct":-0.217,"available_usd":1765486,"borrow_apy_pct":5.574,"deposit_apy_pct":1.616,"utilization_pct":44.6,"borrow_incentives_pct":5.79},{"pool":"d9c395b9-00d0-4426-a6b3-572a6dd68e54","chain":"Arbitrum","token":"USDC","max_ltv":0,"protocol":"compound-v3","net_cost_pct":3.835,"available_usd":2348842,"borrow_apy_pct":3.835,"deposit_apy_pct":3.026,"utilization_pct":84.1,"borrow_incentives_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_NzweOCzeY7Hv2b9TQf-KG","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 cross-chain DeFi borrowing markets for a given token, ranked by net borrow cost after incentives.","exampleAgentPrompt":"Find me the top 5 cheapest places to borrow USDC across all DeFi chains right now — I only want pools with at least $2 million TVL, and rank them by net cost after incentives.","exampleUseCases":[{"title":"Cheapest cross-chain WETH borrow","prompt":"Where is the cheapest place to borrow WETH across all DeFi protocols right now? Show me the top 10 markets with at least $1 million in liquidity, ranked by net borrowing cost after any incentives."},{"title":"Arbitrum-only USDC borrow rates","prompt":"What are the cheapest USDC borrowing rates available on Arbitrum DeFi protocols? Give me up to 5 markets with a minimum TVL of $5 million."},{"title":"WBTC borrow market comparison","prompt":"I want to borrow WBTC in DeFi — can you compare the top 8 lending markets across all chains and tell me which has the lowest net borrow cost, the highest available liquidity, and what the max LTV is?"}],"resultDescription":"Returns a ranked list of DeFi borrowing markets for the requested token, each including: protocol name, chain, pool ID, borrow APY, deposit APY, borrow incentives APY, net cost percentage (borrow minus incentives), available liquidity in USD, utilization percentage, and max LTV. Also returns total number of markets found and a note about data interpretation. Data sourced from DefiLlama.","failureModes":["Token not recognized or unsupported — returns empty or zero markets","Network filter misspelled or unsupported chain name — may return no results","min_tvl too high — filters out all available pools, returning empty list","DefiLlama upstream data unavailable or stale — may return outdated rates","limit out of range (must be 1-50) — validation error"],"whenToPreferThis":"Use this endpoint when you need to compare real borrowing costs across multiple DeFi protocols and chains simultaneously, especially when borrow incentives make headline APY misleading. Prefer this over manually querying individual protocol dashboards when you need cross-chain coverage or want to filter by TVL and liquidity. Best for agents helping users find the cheapest place to take a DeFi loan or for yield optimization workflows.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-11T18:44:29.119Z","isFirstParty":false,"canonicalSlug":"vextorium-defi-borrow-rates-e88ac442"}