Cross-protocol yield matrix
Supply & borrow rates across lending venues, normalized to a single comparable scale.
Live DeFi lending rates across 10 protocols and 32 networks, in one view
EchoTerminal's yield table aggregates live supply APY, borrow APY, and total value locked (TVL) across 1,000+ pools on 10 DeFi lending protocols — including Aave, Compound, and Morpho — spanning 32 networks. DeFi lending rates update continuously as utilization ratios shift within each protocol's interest rate model: when a pool's borrowed capital approaches its supplied capital, rates rise algorithmically to attract liquidity; when utilization falls, rates compress. Tracking this in real time across multiple chains and protocols simultaneously is the core problem EchoTerminal solves. The sortable heatmap and table let yield farmers, institutional desks, and active borrowers filter by protocol, network, asset, TVL floor, or APY range to isolate the pools that match their risk and return criteria.
- Compare DeFi APY across Aave, Compound, Morpho, and 7 additional protocols in one view.
- Filter by TVL floor to exclude thin pools where rate data may not be executable at scale.
- Live DeFi interest rates refresh continuously, reflecting true utilization — not hourly snapshots.
- Side-by-side supply APY and borrow APY columns surface net spread opportunities in a single row.
- Sort by the highest DeFi yield stablecoin pools, or switch to volatile assets across 32 networks.
- Cross-protocol rate comparison — Morpho vs Aave, Compound vs Morpho — without switching tabs.
Frequently asked questions
What is DeFi supply APY and how is it calculated?
Supply APY is the annualized yield a lender receives for depositing assets into a DeFi lending pool. Protocols derive it from the pool's utilization rate — the share of supplied assets currently borrowed. The interest borrowers pay, minus any protocol fee, is distributed pro-rata to suppliers. Because utilization changes with every block, supply APY is variable and can shift significantly within hours.
What is the difference between supply APY and borrow APY?
Supply APY is the return earned by liquidity providers; borrow APY is the annualized cost paid by borrowers. Supply APY is always lower than borrow APY in the same pool because the protocol retains a reserve factor and because not all supplied capital is borrowed at any given time. The spread represents protocol revenue and unmatched liquidity buffer.
How do DeFi lending rates compare across protocols?
Rates differ by protocol architecture, asset, network, and real-time utilization. Morpho's per-market design allows individual vaults to offer rates distinct from monolithic pool averages. Layer 2 deployments of the same protocol can show materially different rates due to differing borrowing demand on each network.
What does TVL indicate about a DeFi pool?
Total value locked (TVL) is the USD-denominated sum of assets deposited in a pool. Higher TVL generally indicates greater liquidity depth, meaning large positions can be entered or exited with less rate impact. Very low TVL pools may show attractive APY figures but can experience sharp rate compression when meaningful capital enters.
Which DeFi protocols and networks does EchoTerminal cover?
EchoTerminal covers 10 protocols: Aave, All Bridge, Compound, Fluid, Jupiter Lend, JustLend, Kamino, Morpho, Spark, and Venus. Networks include Ethereum, Arbitrum, Base, Optimism, Polygon, Avalanche, BSC, Solana, Gnosis, Scroll, Linea, ZKsync Era, Mantle, Celo, Sonic, Unichain, Tron, SUI, Metis, Monad, Soneium, HyperEVM, Ink, Algorand, Stacks, and more — over 1,000 pools in total.