PYUSD on Aave Ethereum EtherFi

Q: What is the PYUSD supply APY on Aave Ethereum EtherFi?

0.00% a year right now. It is paid out of what borrowers pay and changes with every deposit, loan and repayment.

Q: What is the PYUSD borrow rate on Aave Ethereum EtherFi?

The variable borrow APY is 0.00%. It rises with utilization, now 0.0%.

Q: Can I use PYUSD as collateral on Aave Ethereum EtherFi?

No, PYUSD is not accepted as collateral on this market, although it can still be supplied to earn interest.

Q: How much PYUSD can be borrowed on Aave Ethereum EtherFi right now?

$1.00 (1.00 PYUSD) is available. The borrow cap is <0.01% used.

Q: Where else can I supply or borrow PYUSD on Aave?

The best supply rate is 3.92% on Ethereum Core. The cheapest borrow rate is 5.01% on Ethereum Core. Only markets with real liquidity are counted.

Live PayPal USD (PYUSD) rates on the Aave V3 Ethereum EtherFi market: what suppliers earn, what borrowers pay, how much is available, and the settings that decide both.

Data from Aave's API · updated 2026-11-08 04:27 UTC

Supply APY

0.00%

earned by suppliers

Borrow APY, variable

0.00%

paid by borrowers

Total supplied

$112

111.60 PYUSD

Total borrowed

0.000083 PYUSD

Utilization

0.0%

share of supply that is lent out

Available to borrow

$1.00

oracle price $1.0000

PYUSD supply and borrow APY history

Averages published by Aave's API

Risk settings

Can be used as collateral	No
Max loan-to-value (LTV)	–
Liquidation threshold	–
Liquidation penalty	–
Reserve factor	20.00%
Flash loans	Enabled
Supply cap used	Full: 111.60 PYUSD against a cap of 1.00, so no new deposits
Borrow cap used	0.000083 of 1.00 PYUSD (<0.01%)

New to these terms? Read health factor explained and supply and borrow caps.

Contracts

PYUSD token	0x6c3e…A0e8
aToken (aEthEtherFiPYUSD)	0xdF7f…9c7e
Variable debt token	0xD2cf…FC3D
Price oracle	0x3696…49EE
Interest rate strategy	0xC166…6059
Pool	0x0AA9…F3c0

Links open the Ethereum block explorer.

PYUSD utilization and interest rate curve

Utilization is 0.0% right now. The chart shows how the rate responds as more of the supply gets borrowed.

Borrow APR Supply APR

Up to 90% utilization the borrow rate climbs gently from 0.00% to 12.50%. Past that point it climbs steeply, reaching 52.50% when everything is lent out. How Aave interest rates work.

About PYUSD on Aave Ethereum EtherFi

PayPal USD (PYUSD) is listed on the Aave V3 Ethereum EtherFi market on Ethereum. Lenders have supplied $112 (111.60 PYUSD) and borrowers owe $0, so 0.0% of the pool is lent out and $1.00 is left to borrow. The supply cap is full, so no new deposits are accepted.

Suppliers earn 0.00% a year, and variable-rate borrowers pay 0.00%. The rate follows utilization: up to 90% the borrow rate rises gently from 0.00% to 12.50%, and above that it climbs steeply to 52.50% when everything is lent out. At 0.0% now, the pool is below that point. Aave keeps 20% of the interest as its reserve factor.

PYUSD cannot be used as collateral on this market. The best PYUSD supply rate elsewhere on Aave is 3.92% on Ethereum Core. The cheapest place to borrow it is Ethereum Core at 5.01%. Compare PYUSD rates on every Aave market.

A week ago suppliers earned 0.00% and borrowers paid 0.00%, with 0.0% of the pool lent out. Over the past 30 days, the borrow rate held at 0.00% (one reading a day).