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 | 1.34% | 1.34% | 1.66% | 2.82% | 2.88% |
| Average Borrow APR | 3.13% | 3.14% | 3.46% | 4.76% | 4.87% |
Daily snapshots
Showing daily snapshots (midnight UTC) for DAI on Aave V3 Ethereum.
|
Date
|
Supplied
|
Supply APR
|
Borrowed
|
Borrow APR
|
|---|---|---|---|---|
| Mar 15, 2026 | 182.5M | 1.32% | 104.0M | 3.10% |
| Mar 14, 2026 | 182.5M | 1.32% | 104.1M | 3.10% |
| Mar 13, 2026 | 182.6M | 1.33% | 104.1M | 3.10% |
| Mar 12, 2026 | 183.1M | 1.32% | 104.1M | 3.09% |
| Mar 11, 2026 | 183.2M | 1.32% | 104.1M | 3.09% |
| Mar 10, 2026 | 184.0M | 1.35% | 105.7M | 3.12% |
| Mar 09, 2026 | 183.9M | 1.29% | 103.5M | 3.06% |
Monthly snapshots
Showing monthly snapshots (first day of month, midnight UTC) for DAI on Aave V3 Ethereum.
|
Date
|
Supplied
|
Supply APR
|
Borrowed
|
Borrow APR
|
|---|---|---|---|---|
| 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% |
| Apr 01, 2025 | 167.9M | 2.64% | 123.4M | 4.79% |
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 | 1.32% | 3.10% | 57.01% | |
| $10.0M deposit | 1.19% (-0.13%) | 2.94% (-0.16%) | 54.04% | |
| $25.0M deposit | 1.02% (-0.30%) | 2.72% (-0.37%) | 50.13% | |
| $50.0M deposit | 0.82% (-0.51%) | 2.43% (-0.67%) | 44.74% | |
| $100.0M deposit | 0.55% (-0.77%) | 2.00% (-1.10%) | 36.82% |
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 | 1.32% | 3.10% | 57.01% | |
| $5.00M borrow | 1.46% (+0.13%) | 3.25% (+0.15%) | 59.75% | |
| $10.0M borrow | 1.59% (+0.27%) | 3.40% (+0.30%) | 62.49% | |
| $25.0M borrow | 2.04% (+0.71%) | 3.84% (+0.74%) | 70.71% | |
| $50.0M borrow | 2.90% (+1.58%) | 4.59% (+1.49%) | 84.42% |
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 | 1.32% | 3.10% | 57.01% | |
| $10.0M repayment | 1.08% (-0.24%) | 2.80% (-0.30%) | 51.52% | |
| $25.0M repayment | 0.76% (-0.56%) | 2.35% (-0.74%) | 43.30% | |
| $50.0M repayment | 0.36% (-0.97%) | 1.61% (-1.49%) | 29.60% | |
| $100.0M repayment | 0.00% (-1.32%) | 0.12% (-2.98%) | 2.19% |
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 | 1.32% | 3.10% | 57.01% | |
| $5.00M withdrawal | 1.40% (+0.08%) | 3.19% (+0.09%) | 58.61% | |
| $10.0M withdrawal | 1.48% (+0.16%) | 3.28% (+0.18%) | 60.31% | |
| $25.0M withdrawal | 1.78% (+0.45%) | 3.59% (+0.49%) | 66.06% | |
| $50.0M withdrawal | 2.51% (+1.19%) | 4.27% (+1.17%) | 78.53% |