Lending

Supply a single asset to a single money market and earn the variable rate paid by borrowers.

A lending yield in Earn represents one asset supplied to one market on one network: yield.xyz registers one yield ID per market, so polygon-usdc-aave-v3-lending and ethereum-usdc-sparklend are separate yields even though both lend USDC. Entering supplies the asset to that market; exiting withdraws it.

Lending is supply-side only. Supplying collateral and borrowing against it is the separate Borrow product and API; a Borrow supply action and a lending yield are different positions.

What you hold

What your address holds after entering depends on the protocol family:

• Receipt tokens (Aave’s aTokens, SparkLend’s sp-prefixed tokens, Compound III’s market token such as cUSDCv3): minted or credited to you on enter and burned on exit. Interest accrues by increasing the token balance, not by changing its price.
• ERC-4626 vault shares (Fluid, Gearbox, Curve lending markets): a vault share token whose value against the underlying asset rises as interest accrues.
• Protocol-internal balances (Dolomite, Drift, Kamino’s K-Lend markets): no token is minted. Your position lives inside the protocol’s own accounting and yield.xyz reads it directly from the contract.

Check the specific protocol page for which model applies before assuming a receipt token exists.

Rates

A lending yield’s public rewardRate is a variable supply rate driven by the market’s utilization: it moves with the ratio of borrowed to supplied assets and is read live from the protocol, not fixed at listing time. Some integrations fold reward-token incentives into that same figure instead of reporting them separately; Aave’s and Compound’s modules do this differently (see Aave and Compound for how each computes it). Don’t treat rewardRate as guaranteed or fixed; re-fetch it before displaying or acting on it.

Discover lending yields

Query GET /v1/yields?types=lending for the lending yields enabled for your project. The response is project-scoped: it returns the yields your API key’s project has enabled, plus any active Optimized Allocator Vaults (OAVs), not a global catalog of every lending market yield.xyz integrates. See Discover yields for filtering and pagination.

Enter and exit

Entering a lending yield supplies the amount argument to the market; exiting withdraws it. Every lending yield has a cooldownPeriod of 0: there is no unbonding or queue step between requesting an exit and it settling. For the ERC-4626 lending markets (Fluid, Gearbox, Curve), yield.xyz caps a redeem to what the vault reports as redeemable for your address; a larger request fails rather than partially filling. Some markets can still constrain what you can withdraw: Aave enforces per-reserve supply caps on the deposit side, and a market’s own on-chain liquidity can limit a large withdrawal regardless of what yield.xyz reports. Check a specific protocol’s page for arguments that differ from this default, such as Dolomite requiring an explicit exit amount with no “withdraw everything” shortcut.

See Actions for how enter and exit requests progress from creation to settlement, and Balances and positions for how a lending position appears in balance responses.

Protocols

Protocol	Networks	What differs
Aave	Ethereum, Arbitrum, Base, Optimism, Polygon, BNB Chain, Avalanche C-Chain, Gnosis, Linea, Sonic, Plasma, Monad	Aave V3 pooled money markets; a frozen or zero-rate reserve blocks entering but still allows exit
Compound	Ethereum, Arbitrum, Base, Optimism, Polygon	One Comet market per base asset per network; COMP incentives are claimed manually
Spark	Ethereum (SparkLend); Ethereum, Base, Arbitrum, Optimism, Unichain, Robinhood Chain (Savings vaults)	One provider spanning both a lending market and ERC-4626 savings vaults anchored to the Sky Savings Rate
Fluid	Ethereum, Arbitrum, Base, Polygon, Plasma	ERC-4626 fTokens even though the yield is typed as lending
Gearbox	Ethereum, Arbitrum, Optimism	ERC-4626 dTokens backing Gearbox’s leveraged strategies
Curve	Ethereum, Arbitrum, Optimism	Curve’s own lending vaults, distinct from Curve LP positions, which are documented under LPing
Dolomite	Arbitrum, Ethereum, Base	No receipt token; position lives in Dolomite’s internal account, keyed by market ID
Venus	BNB Chain	Two provider IDs, Venus core pools and Venus Flux ERC-4626 vaults, on one page
Morpho Aave	Ethereum	Legacy Morpho Optimizer layered over Aave; entering is disabled when the underlying pool’s APY is zero
Morpho Compound	Ethereum	Legacy Morpho Optimizer layered over Compound; same zero-APY behavior as Morpho Aave
Blend	Stellar	Soroban lending pools; the position is reported in the underlying asset
Drift	Solana	Per-market lending on Drift’s exchange; no receipt token
Kamino	Solana	One provider spanning K-Lend markets (lending) and separate Kamino vaults (vault type); KMNO staking is a different yield and isn’t part of DeFi coverage

Next steps

Discover yields

Filter and page through the yields enabled for your project.

Action lifecycle

Build the enter and exit flow that every lending yield shares.

Lending guide

Supply to a lending market and withdraw, step by step.