Aave
Average DAI lending rates
Showing the average APRs over historical periods for DAI on Aave V3 Polygon.
| Rate | 1d | 7d | 30d | 6m | 1y |
|---|---|---|---|---|---|
| Average Supply APR | 3.41% | 3.60% | 3.51% | 3.92% | 4.03% |
| Average Borrow APR | 6.65% | 6.92% | 6.84% | 7.22% | 7.35% |
Daily snapshots
Showing daily snapshots (midnight UTC) for DAI on Aave V3 Polygon.
|
Date
|
Supplied
|
Supply APR
|
Borrowed
|
Borrow APR
|
|---|---|---|---|---|
| Feb 01, 2026 | 5.14M | 3.36% | 3.44M | 6.70% |
| Jan 31, 2026 | 5.13M | 3.53% | 3.52M | 6.86% |
| Jan 30, 2026 | 5.21M | 3.53% | 3.58M | 6.86% |
| Jan 29, 2026 | 5.20M | 3.53% | 3.56M | 6.86% |
| Jan 28, 2026 | 5.15M | 3.61% | 3.57M | 6.94% |
| Jan 27, 2026 | 5.29M | 3.39% | 3.56M | 6.72% |
| Jan 26, 2026 | 5.18M | 3.55% | 3.57M | 6.88% |
Monthly snapshots
Showing monthly snapshots with average APRs over the preceding 30 days for DAI on Aave V3 Polygon.
|
Date
|
Supplied
|
Supply APR 30d
|
Borrowed
|
Borrow APR 30d
|
|---|---|---|---|---|
| Feb 01, 2026 | 5.11M | 3.60% | 3.42M | 7.01% |
| Feb 01, 2026 | 5.14M | 3.51% | 3.44M | 6.84% |
| Jan 01, 2026 | 5.31M | 3.31% | 3.58M | 6.63% |
| Dec 01, 2025 | 5.40M | 3.68% | 3.59M | 7.00% |
| Nov 01, 2025 | 5.95M | 4.65% | 4.38M | 7.87% |
| Oct 01, 2025 | 6.00M | 4.40% | 4.65M | 7.66% |
| Sep 01, 2025 | 6.18M | 4.02% | 4.67M | 7.32% |
| Aug 01, 2025 | 6.13M | 4.04% | 4.60M | 7.34% |
| Jul 01, 2025 | 6.52M | 3.90% | 4.74M | 7.21% |
| Jun 01, 2025 | 6.81M | 3.59% | 4.81M | 6.92% |
| May 01, 2025 | 7.09M | 3.86% | 4.85M | 7.17% |
| Apr 01, 2025 | 7.22M | 5.00% | 5.57M | 8.22% |
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 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 | 3.36% | 6.70% | 66.96% | |
| $1.00M deposit | 2.35% (-1.01%) | 5.60% (-1.10%) | 56.00% | |
| $5.00M deposit | 0.86% (-2.50%) | 3.39% (-3.31%) | 33.85% |
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 | 3.36% | 6.70% | 66.96% | |
| $1.00M borrow | 5.61% (+2.25%) | 8.65% (+1.96%) | 86.52% |
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 | 3.36% | 6.70% | 66.96% | |
| $1.00M repayment | 1.68% (-1.68%) | 4.74% (-1.96%) | 47.40% |
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 | 3.36% | 6.70% | 66.96% | |
| $1.00M withdrawal | 5.20% (+1.83%) | 8.32% (+1.63%) | 83.24% |