Average DAI lending rates
Showing the average APRs over historical periods for DAI on Aave V3 Polygon (incentives not included).
| Rate | 1d | 7d | 30d | 6m | 1y |
|---|---|---|---|---|---|
| Average Supply APR | 2.99% | 3.03% | 3.01% | 3.62% | 3.79% |
| Average Borrow APR | 6.15% | 6.33% | 6.33% | 6.93% | 7.09% |
Daily snapshots
Showing daily snapshots (midnight UTC) for DAI on Aave V3 Polygon.
|
Date
|
Supplied
|
Supply APR
|
Borrowed
|
Borrow APR
|
|---|---|---|---|---|
| Mar 20, 2026 | 4.55M | 3.15% | 2.95M | 6.48% |
| Mar 19, 2026 | 4.50M | 3.21% | 2.95M | 6.54% |
| Mar 18, 2026 | 4.58M | 3.23% | 3.01M | 6.56% |
| Mar 17, 2026 | 4.63M | 3.04% | 2.95M | 6.37% |
| Mar 16, 2026 | 4.73M | 2.93% | 2.96M | 6.26% |
| Mar 15, 2026 | 4.78M | 2.87% | 2.96M | 6.19% |
| Mar 14, 2026 | 4.71M | 2.95% | 2.96M | 6.28% |
Monthly snapshots
Showing monthly snapshots (first day of month, midnight UTC) for DAI on Aave V3 Polygon.
|
Date
|
Supplied
|
Supply APR
|
Borrowed
|
Borrow APR
|
|---|---|---|---|---|
| Mar 01, 2026 | 4.75M | 2.95% | 2.98M | 6.27% |
| Feb 01, 2026 | 5.14M | 3.36% | 3.44M | 6.70% |
| Jan 01, 2026 | 5.31M | 3.41% | 3.58M | 6.74% |
| Dec 01, 2025 | 5.40M | 3.31% | 3.59M | 6.64% |
| Nov 01, 2025 | 5.95M | 4.06% | 4.38M | 7.36% |
| Oct 01, 2025 | 6.00M | 4.50% | 4.65M | 7.75% |
| Sep 01, 2025 | 6.18M | 4.28% | 4.67M | 7.56% |
| Aug 01, 2025 | 6.13M | 4.22% | 4.60M | 7.50% |
| Jul 01, 2025 | 6.52M | 3.98% | 4.74M | 7.28% |
| Jun 01, 2025 | 6.81M | 3.73% | 4.81M | 7.05% |
| May 01, 2025 | 7.09M | 3.51% | 4.85M | 6.84% |
| Apr 01, 2025 | 7.22M | 4.46% | 5.57M | 7.71% |
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 Polygon.
| 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 (90%) and the utilization after deposit (circle)
|
|---|---|---|---|---|
| current | 3.21% | 6.54% | 65.38% | |
| $1.00M deposit | 2.15% (-1.06%) | 5.35% (-1.19%) | 53.51% |
Showing the immediate impact of borrow events for DAI on Aave V3 Polygon.
| 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 (90%) and the utilization after borrow (circle)
|
|---|---|---|---|---|
| current | 3.21% | 6.54% | 65.38% | |
| $1.00M borrow | 5.75% (+2.54%) | 8.76% (+2.22%) | 87.57% |
Showing the immediate impact of repayment events for DAI on Aave V3 Polygon.
| 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 (90%) and the utilization after repayment (circle)
|
|---|---|---|---|---|
| current | 3.21% | 6.54% | 65.38% | |
| $1.00M repayment | 1.40% (-1.81%) | 4.32% (-2.22%) | 43.20% |
Showing the immediate impact of withdrawal events for DAI on Aave V3 Polygon.
| 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 (90%) and the utilization after withdrawal (circle)
|
|---|---|---|---|---|
| current | 3.21% | 6.54% | 65.38% | |
| $1.00M withdrawal | 5.29% (+2.09%) | 8.40% (+1.86%) | 84.02% |