Lending

Money market protocols for earning yield on deposits

Lending protocols allow you to supply assets to money markets and earn interest from borrowers. Yield.xyz integrates with major lending protocols across multiple networks.

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Supported protocols

Aave

Multi-chain lending across 10+ networks

Compound

USDC-focused lending on Ethereum and L2s

Fluid

Next-gen liquidity layer

Venus

BNB Chain lending protocol

Gearbox

Leveraged lending strategies

Spark

Maker-affiliated lending

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How lending works

1. Supply — Deposit assets into a lending pool
2. Earn — Interest accrues automatically via receipt token appreciation
3. Withdraw — Redeem receipt tokens for underlying assets (instant, subject to liquidity)

Receipt tokens (aTokens, cTokens, etc.) represent your deposited position. Their value increases as interest accrues.

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Quick reference

Protocol	Networks	Mechanism	Receipt Token
Aave v3	ETH, Base, Arbitrum, Polygon, +	Variable rate	aTokens
Compound v3	ETH, Base, Arbitrum	Variable rate	cTokens
Venus	BNB Chain	Variable rate	vTokens
Fluid	ETH	Liquidity layer	fTokens
Gearbox	ETH	Leveraged	dTokens

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Example flow

Get yield metadata

curl --request GET \
  --url https://api.yield.xyz/v1/yields/base-usdc-aave-v3-lending \
  --header 'accept: application/json' \
  --header 'x-api-key: <API_KEY>'

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See also

Vaults

Automated vault strategies

DeFi Overview

All DeFi categories