Aave
Average DAI lending rates
Showing the average APRs over historical periods for DAI on Aave V3 Ethereum.
| Rate | 1d | 7d | 30d | 6m | 1y |
|---|---|---|---|---|---|
| Average Supply APR | 1.98% | 2.07% | 2.30% | 3.26% | 3.39% |
| Average Borrow APR | 3.69% | 3.85% | 4.22% | 5.30% | 5.66% |
Daily snapshots
Showing daily snapshots (midnight UTC) for DAI on Aave V3 Ethereum.
|
Date
|
Supplied
|
Supply APR
|
Borrowed
|
Borrow APR
|
|---|---|---|---|---|
| Jan 15, 2026 | 180.5M | 2.09% | 129.2M | 3.89% |
| Jan 14, 2026 | 180.6M | 2.09% | 129.2M | 3.89% |
| Jan 13, 2026 | 180.3M | 2.09% | 129.1M | 3.89% |
| Jan 12, 2026 | 180.4M | 2.11% | 129.8M | 3.91% |
| Jan 11, 2026 | 180.3M | 2.11% | 129.7M | 3.91% |
| Jan 10, 2026 | 180.4M | 2.10% | 129.5M | 3.90% |
| Jan 09, 2026 | 180.6M | 2.07% | 128.7M | 3.87% |
Monthly snapshots
Showing monthly snapshots with average APRs over the preceding 30 days for DAI on Aave V3 Ethereum.
|
Date
|
Supplied
|
Supply APR 30d
|
Borrowed
|
Borrow APR 30d
|
|---|---|---|---|---|
| Jan 01, 2026 | 171.5M | 2.54% | 127.7M | 4.49% |
| Dec 01, 2025 | 163.6M | 3.57% | 133.4M | 5.54% |
| Nov 01, 2025 | 164.7M | 3.74% | 140.9M | 5.88% |
| Oct 01, 2025 | 167.9M | 3.68% | 151.0M | 5.89% |
| Sep 01, 2025 | 168.7M | 3.33% | 130.5M | 5.42% |
| Aug 01, 2025 | 177.5M | 2.97% | 154.0M | 4.87% |
| Jul 01, 2025 | 181.8M | 3.01% | 145.7M | 4.90% |
| Jun 01, 2025 | 174.1M | 2.89% | 142.9M | 4.83% |
| May 01, 2025 | 162.1M | 2.28% | 114.5M | 4.42% |
| Apr 01, 2025 | 167.9M | 3.40% | 123.4M | 6.20% |
| Mar 01, 2025 | 167.4M | 5.38% | 125.2M | 8.97% |
Liquidity impact
Using the interest rate model to simulate the market rates in the event of a deposit, borrow, repayment or withdrawal.
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 | 2.07% | 3.88% | 71.34% | |
| $10.0M deposit | 1.86% (-0.21%) | 3.67% (-0.20%) | 67.59% | |
| $25.0M deposit | 1.60% (-0.47%) | 3.41% (-0.47%) | 62.66% | |
| $50.0M deposit | 1.27% (-0.80%) | 3.04% (-0.84%) | 55.87% | |
| $100.0M deposit | 0.86% (-1.21%) | 2.50% (-1.38%) | 45.92% |
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 | 2.07% | 3.88% | 71.34% | |
| $5.00M borrow | 2.24% (+0.16%) | 4.03% (+0.15%) | 74.10% | |
| $10.0M borrow | 2.41% (+0.33%) | 4.18% (+0.30%) | 76.87% | |
| $25.0M borrow | 2.96% (+0.88%) | 4.63% (+0.75%) | 85.18% | |
| $50.0M borrow | 26.51% (+24.43%) | 35.69% (+31.82%) | 99.02% |
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 | 2.07% | 3.88% | 71.34% | |
| $10.0M repayment | 1.76% (-0.31%) | 3.58% (-0.30%) | 65.80% | |
| $25.0M repayment | 1.35% (-0.73%) | 3.12% (-0.75%) | 57.50% | |
| $50.0M repayment | 0.78% (-1.30%) | 2.37% (-1.50%) | 43.66% | |
| $100.0M repayment | 0.10% (-1.97%) | 0.87% (-3.01%) | 15.98% |
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 | 2.07% | 3.88% | 71.34% | |
| $5.00M withdrawal | 2.19% (+0.12%) | 3.99% (+0.11%) | 73.37% | |
| $10.0M withdrawal | 2.32% (+0.25%) | 4.10% (+0.23%) | 75.52% | |
| $25.0M withdrawal | 2.79% (+0.72%) | 4.50% (+0.62%) | 82.80% | |
| $50.0M withdrawal | 25.19% (+23.11%) | 34.05% (+30.17%) | 98.64% |