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 | 2.65% | 2.44% | 2.26% | 3.20% | 3.23% |
| Average Borrow APR | 4.37% | 4.20% | 4.10% | 5.23% | 5.41% |
Daily snapshots
Showing daily snapshots (midnight UTC) for DAI on Aave V3 Ethereum.
|
Date
|
Supplied
|
Supply APR
|
Borrowed
|
Borrow APR
|
|---|---|---|---|---|
| Jan 29, 2026 | 179.6M | 2.63% | 144.4M | 4.37% |
| Jan 28, 2026 | 178.1M | 2.64% | 143.5M | 4.38% |
| Jan 27, 2026 | 178.0M | 2.58% | 141.8M | 4.33% |
| Jan 26, 2026 | 177.9M | 2.61% | 142.2M | 4.35% |
| Jan 25, 2026 | 177.9M | 2.27% | 132.9M | 4.06% |
| Jan 24, 2026 | 177.9M | 2.30% | 133.6M | 4.08% |
| Jan 23, 2026 | 177.9M | 2.26% | 132.4M | 4.04% |
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 | 2.63% | 4.37% | 80.34% | |
| $10.0M deposit | 2.36% (-0.27%) | 4.14% (-0.23%) | 76.10% | |
| $25.0M deposit | 2.03% (-0.60%) | 3.83% (-0.53%) | 70.52% | |
| $50.0M deposit | 1.61% (-1.02%) | 3.42% (-0.95%) | 62.84% | |
| $100.0M deposit | 1.09% (-1.55%) | 2.80% (-1.56%) | 51.60% |
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 | 2.63% | 4.37% | 80.34% | |
| $1.00M borrow | 2.67% (+0.04%) | 4.40% (+0.03%) | 80.90% | |
| $5.00M borrow | 2.82% (+0.19%) | 4.52% (+0.15%) | 83.13% | |
| $10.0M borrow | 3.01% (+0.38%) | 4.67% (+0.30%) | 85.91% | |
| $25.0M borrow | 10.54% (+7.91%) | 14.91% (+10.54%) | 94.27% |
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 | 2.63% | 4.37% | 80.34% | |
| $10.0M repayment | 2.28% (-0.35%) | 4.06% (-0.30%) | 74.77% | |
| $25.0M repayment | 1.80% (-0.83%) | 3.61% (-0.76%) | 66.42% | |
| $50.0M repayment | 1.12% (-1.51%) | 2.85% (-1.51%) | 52.50% | |
| $100.0M repayment | 0.25% (-2.38%) | 1.34% (-3.03%) | 24.65% |
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 | 2.63% | 4.37% | 80.34% | |
| $1.00M withdrawal | 2.66% (+0.03%) | 4.39% (+0.02%) | 80.79% | |
| $5.00M withdrawal | 2.78% (+0.15%) | 4.49% (+0.13%) | 82.64% | |
| $10.0M withdrawal | 2.95% (+0.32%) | 4.62% (+0.26%) | 85.08% | |
| $25.0M withdrawal | 7.60% (+4.97%) | 10.85% (+6.48%) | 93.34% |