Spark

Access Spark lending markets and savings vaults for yield

What this yield is

• Protocol: Spark Protocol (SparkLend + Spark Savings)
• Asset: DAI, USDC, WETH, USDT, sDAI, wstETH, and more
• Receipt token: spTokens (e.g., spUSDC, spETH)
• Additional rewards: Spark Points
• Network: Ethereum

Spark provides two complementary yield products: SparkLend markets for lending/borrowing and Spark Savings Vaults (V2) for simplified yield access anchored to the Sky Savings Rate.

Required inputs

Parameter	Description
yieldId	The specific Spark yield ID
address	User’s wallet address
amount	Amount to deposit

Spark products

SparkLend

Money market lending

• Supply assets to earn interest from borrowers
• Supports DAI, USDC, ETH, wstETH, and more
• Dynamic interest rates based on utilization
• Immediate yield accrual

Spark Savings

ERC-4626 yield vaults

• Deposit USDC, ETH, or USDT
• Receive spTokens representing your share
• Yield from Spark Liquidity Layer + Sky Savings Rate
• Earn Spark Points on top of native yield

Actions & lifecycle

Enter

Action: Deposit assets into Spark

• Supply the underlying asset
• Receive position/share token
• Begin earning yield immediately

Exit

Action: Withdraw assets

• Redeem tokens for underlying assets
• Receive principal plus accrued interest
• Instant withdrawal

Example flow

1. Get yield metadata

   Fetch available Spark yields and their current rates.

2. Enter position

   Call the enter action with your deposit amount.

3. Sign & submit

   Sign the transaction and broadcast to the network.

4. Track balances

   Monitor your position via the balances endpoint.

Get yield metadata

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

Operational notes

Spark Points

Users who deposit into Spark Savings vaults earn Spark Points on top of native yield. Points accrue daily at varying rates:

• ETH: 50,000 Spark Points per deposited ETH
• USDC: 3 Spark Points per deposited USDC
• USDT: 3 Spark Points per deposited USDT

No pending actions

Spark yields have no pending actions. Rewards accrue automatically and are reflected in the token value.

Instant withdrawals

Both SparkLend and Spark Savings support instant withdrawals at any time.

Yield IDs for this protocol

Show Spark yield IDs

Spark Savings (V2 Vaults)

Yield ID	Name
ethereum-usdc-spusdc-0x28b3a8fb53b741a8fd78c0fb9a6b2393d896a43d-4626-vault	Spark USDC Vault V2
ethereum-usdt-spusdt-0xe2e7a17dff93280dec073c995595155283e3c372-4626-vault	Spark USDT Vault V2
ethereum-weth-speth-0xfe6eb3b609a7c8352a241f7f3a21cea4e9209b8f-4626-vault	Spark ETH Vault V2

SparkLend

Yield ID	Name
ethereum-dai-sparklend	DAI Sparklend Pool
ethereum-sdai-sparklend	sDAI Sparklend Pool
ethereum-usdc-sparklend	USDC Sparklend Pool
ethereum-weth-sparklend	WETH Sparklend Pool
ethereum-wsteth-sparklend	wstETH Sparklend Pool
ethereum-wbtc-sparklend	WBTC Sparklend Pool
ethereum-reth-sparklend	rETH Sparklend Pool
ethereum-usdt-sparklend	USDT Sparklend Pool
ethereum-weeth-sparklend	weETH Sparklend Pool
ethereum-cbbtc-sparklend	cbBTC Sparklend Pool
ethereum-susds-sparklend	sUSDS Sparklend Pool

See also

Quickstart

Get started with Yield.xyz

Actions & Balances

Understand how actions work