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 | 4.22% | 3.69% | 3.70% | 3.48% | 3.76% |
| Average Borrow APR | 8.39% | 7.16% | 7.08% | 6.80% | 7.07% |
Daily snapshots
Showing daily snapshots (midnight UTC) for DAI on Aave V3 Polygon.
|
Date
|
Supplied
|
Supply APR
|
Borrowed
|
Borrow APR
|
|---|---|---|---|---|
| Apr 15, 2026 | 4.39M | 3.37% | 2.94M | 6.70% |
| Apr 14, 2026 | 4.38M | 3.41% | 2.95M | 6.74% |
| Apr 13, 2026 | 4.37M | 3.42% | 2.95M | 6.76% |
| Apr 12, 2026 | 4.32M | 3.50% | 2.95M | 6.83% |
| Apr 11, 2026 | 4.35M | 3.45% | 2.95M | 6.78% |
| Apr 10, 2026 | 4.16M | 3.78% | 2.95M | 7.09% |
| Apr 09, 2026 | 4.15M | 3.78% | 2.95M | 7.10% |
Monthly snapshots
Showing monthly snapshots (first day of month, midnight UTC) for DAI on Aave V3 Polygon.
|
Date
|
Supplied
|
Supply APR
|
Borrowed
|
Borrow APR
|
|---|---|---|---|---|
| Apr 01, 2026 | 4.27M | 3.58% | 2.95M | 6.91% |
| 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% |
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 | 3.37% | 6.71% | 67.07% | |
| $1.00M deposit | 2.24% (-1.14%) | 5.46% (-1.25%) | 54.61% |
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 | 3.37% | 6.71% | 67.07% | |
| $1.00M borrow | 6.06% (+2.69%) | 8.99% (+2.28%) | 89.89% |
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 | 3.37% | 6.71% | 67.07% | |
| $1.00M repayment | 1.47% (-1.91%) | 4.42% (-2.28%) | 44.24% |
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 | 3.37% | 6.71% | 67.07% | |
| $1.00M withdrawal | 5.66% (+2.29%) | 8.69% (+1.98%) | 86.90% |