Average DAI lending rates
Showing the average APRs over historical periods for DAI on Aave V3 Ethereum (incentives not included).
| Rate | 1d | 7d | 30d | 6m | 1y |
|---|---|---|---|---|---|
| Average Supply APR | 3.31% | 2.70% | 2.32% | 2.53% | 2.86% |
| Average Borrow APR | 5.47% | 4.48% | 4.10% | 4.40% | 4.81% |
Daily snapshots
Showing daily snapshots (midnight UTC) for DAI on Aave V3 Ethereum.
|
Date
|
Supplied
|
Supply APR
|
Borrowed
|
Borrow APR
|
|---|---|---|---|---|
| Apr 15, 2026 | 145.7M | 2.68% | 118.1M | 4.40% |
| Apr 14, 2026 | 146.0M | 2.68% | 118.5M | 4.41% |
| Apr 13, 2026 | 146.1M | 2.61% | 116.8M | 4.35% |
| Apr 12, 2026 | 146.0M | 2.61% | 116.8M | 4.35% |
| Apr 11, 2026 | 146.2M | 2.60% | 116.9M | 4.34% |
| Apr 10, 2026 | 146.5M | 2.59% | 116.9M | 4.33% |
| Apr 09, 2026 | 144.8M | 2.65% | 116.7M | 4.38% |
Monthly snapshots
Showing monthly snapshots (first day of month, midnight UTC) for DAI on Aave V3 Ethereum.
|
Date
|
Supplied
|
Supply APR
|
Borrowed
|
Borrow APR
|
|---|---|---|---|---|
| Apr 01, 2026 | 138.5M | 2.35% | 105.1M | 4.12% |
| Mar 01, 2026 | 153.8M | 1.94% | 106.1M | 3.75% |
| Feb 01, 2026 | 179.4M | 2.29% | 134.5M | 4.07% |
| Jan 01, 2026 | 171.5M | 2.49% | 127.7M | 4.45% |
| Dec 01, 2025 | 163.6M | 2.98% | 133.4M | 4.88% |
| Nov 01, 2025 | 164.7M | 3.58% | 140.9M | 5.58% |
| Oct 01, 2025 | 167.9M | 4.29% | 151.0M | 6.36% |
| Sep 01, 2025 | 168.7M | 3.17% | 130.5M | 5.47% |
| Aug 01, 2025 | 177.5M | 3.38% | 154.0M | 5.19% |
| Jul 01, 2025 | 181.8M | 2.88% | 145.7M | 4.79% |
| Jun 01, 2025 | 174.1M | 3.02% | 142.9M | 4.91% |
| May 01, 2025 | 162.1M | 2.44% | 114.5M | 4.61% |
Liquidity impact
Using the interest rate model to simulate the market rates in the event of a deposit, borrow, repayment or withdrawal (incentives not included).
Showing the immediate impact of deposit events for DAI on Aave V3 Ethereum.
| Action |
Supply APR
Supply APR after the deposit (change from current)
|
Borrow APR
Borrow APR after the deposit (change from current)
|
Utilization
Utilization after the deposit
|
Model
Interest rate curve showing the optimal utilization kink (92%) and the utilization after deposit (circle)
|
|---|---|---|---|---|
| current | 2.64% | 4.38% | 80.52% | |
| $10.0M deposit | 2.32% (-0.33%) | 4.10% (-0.28%) | 75.37% | |
| $25.0M deposit | 1.93% (-0.71%) | 3.74% (-0.64%) | 68.79% | |
| $50.0M deposit | 1.47% (-1.17%) | 3.26% (-1.11%) | 60.04% | |
| $100.0M deposit | 0.93% (-1.71%) | 2.60% (-1.77%) | 47.87% |
Showing the immediate impact of borrow events for DAI on Aave V3 Ethereum.
| Action |
Supply APR
Supply APR after the borrow (change from current)
|
Borrow APR
Borrow APR after the borrow (change from current)
|
Utilization
Utilization after the borrow
|
Model
Interest rate curve showing the optimal utilization kink (92%) and the utilization after borrow (circle)
|
|---|---|---|---|---|
| current | 2.64% | 4.38% | 80.52% | |
| $1.00M borrow | 2.69% (+0.04%) | 4.41% (+0.04%) | 81.20% | |
| $5.00M borrow | 2.87% (+0.23%) | 4.56% (+0.19%) | 83.93% | |
| $10.0M borrow | 3.11% (+0.47%) | 4.75% (+0.37%) | 87.34% | |
| $25.0M borrow | 21.48% (+18.83%) | 29.35% (+24.97%) | 97.57% |
Showing the immediate impact of repayment events for DAI on Aave V3 Ethereum.
| Action |
Supply APR
Supply APR after the repayment (change from current)
|
Borrow APR
Borrow APR after the repayment (change from current)
|
Utilization
Utilization after the repayment
|
Model
Interest rate curve showing the optimal utilization kink (92%) and the utilization after repayment (circle)
|
|---|---|---|---|---|
| current | 2.64% | 4.38% | 80.52% | |
| $10.0M repayment | 2.21% (-0.43%) | 4.01% (-0.37%) | 73.70% | |
| $25.0M repayment | 1.64% (-1.00%) | 3.45% (-0.93%) | 63.46% | |
| $50.0M repayment | 0.88% (-1.76%) | 2.52% (-1.85%) | 46.41% | |
| $100.0M repayment | 0.06% (-2.58%) | 0.67% (-3.71%) | 12.31% |
Showing the immediate impact of withdrawal events for DAI on Aave V3 Ethereum.
| Action |
Supply APR
Supply APR after the withdrawal (change from current)
|
Borrow APR
Borrow APR after the withdrawal (change from current)
|
Utilization
Utilization after the withdrawal
|
Model
Interest rate curve showing the optimal utilization kink (92%) and the utilization after withdrawal (circle)
|
|---|---|---|---|---|
| current | 2.64% | 4.38% | 80.52% | |
| $1.00M withdrawal | 2.68% (+0.04%) | 4.41% (+0.03%) | 81.07% | |
| $5.00M withdrawal | 2.83% (+0.19%) | 4.53% (+0.15%) | 83.36% | |
| $10.0M withdrawal | 3.04% (+0.40%) | 4.70% (+0.32%) | 86.41% | |
| $25.0M withdrawal | 19.77% (+17.13%) | 27.16% (+22.78%) | 97.07% |