cbBTC on Aave Ethereum Core

Q: What is the cbBTC supply APY on Aave Ethereum Core?

<0.01% a year right now. It is paid out of what borrowers pay and changes with every deposit, loan and repayment.

Q: What is the cbBTC borrow rate on Aave Ethereum Core?

The variable borrow APY is 0.28%. It rises with utilization, now 0.7%.

Q: Can I use cbBTC as collateral on Aave Ethereum Core?

Yes. You can borrow up to 81% of its value, and a loan is liquidated at 85% with a 7.5% penalty.

Q: How much cbBTC can be borrowed on Aave Ethereum Core right now?

$9.72M (128.24 cbBTC) is available. The borrow cap is 49% used.

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

The best supply rate is <0.01% on Base. The cheapest borrow rate is 0.27% on the Ethereum Main spoke (V4). Only markets with real liquidity are counted.

Live Coinbase Wrapped BTC (cbBTC) rates on the Aave V3 Ethereum Core 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

<0.01%

earned by suppliers

Borrow APY, variable

0.28%

paid by borrowers

Total supplied

$1.34B

17.70K cbBTC

Total borrowed

$9.23M

121.76 cbBTC

Utilization

0.7%

share of supply that is lent out

Available to borrow

$9.72M

oracle price $75.8K

cbBTC supply and borrow APY history

Averages published by Aave's API

Risk settings

Can be used as collateral	Yes
Max loan-to-value (LTV)	81.00%
Liquidation threshold	85.00%
Liquidation penalty	7.50%
Reserve factor	50.00%
Flash loans	Enabled
Supply cap used	17.70K of 20.00K cbBTC (88.5%)
Borrow cap used	121.76 of 250.00 cbBTC (48.7%)

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

Contracts

cbBTC token	0xcbB7…33Bf
aToken (aEthcbBTC)	0x5c64…d1Dd
Variable debt token	0xeB28…4a4d
Price oracle	0xb41E…8B0A
Interest rate strategy	0x9ec6…FdFB
Pool	0x8787…A4E2

Links open the Ethereum block explorer.

cbBTC utilization and interest rate curve

Utilization is 0.7% right now. The chart shows how the rate responds as more of the supply gets borrowed.

Borrow APR Supply APR

Up to 80% utilization the borrow rate climbs gently from 0.25% to 4.25%. Past that point it climbs steeply, reaching 64.25% when everything is lent out. How Aave interest rates work.

E-Mode categories that include cbBTC

Efficiency mode raises borrowing power between closely related assets. E-Mode explained.

Category (1)	Max LTV	Liquidation threshold	Penalty	As collateral	Borrowable
LBTC_cbBTC	84.00%	86.00%	3.00%	No	Yes

About cbBTC on Aave Ethereum Core

Coinbase Wrapped BTC (cbBTC) is listed on the Aave V3 Ethereum Core market on Ethereum. Lenders have supplied $1.34B (17.70K cbBTC) and borrowers owe $9.23M, so 0.7% of the pool is lent out and $9.72M is left to borrow. The supply cap is 89% used.

Suppliers earn <0.01% a year, and variable-rate borrowers pay 0.28%. The rate follows utilization: up to 80% the borrow rate rises gently from 0.25% to 4.25%, and above that it climbs steeply to 64.25% when everything is lent out. At 0.7% now, the pool is below that point. Aave keeps 50% of the interest as its reserve factor.

cbBTC counts as collateral here: you can borrow up to 81% of its value, and a loan is liquidated once it reaches 85%, with a 7.5% penalty. The best CBBTC supply rate elsewhere on Aave is <0.01% on Base. The cheapest place to borrow it is the Ethereum Main spoke (V4) at 0.27%. Compare CBBTC rates on every Aave market.

Among the 4 Aave markets with at least $1M of CBBTC supplied, this one pays the 2nd highest supply rate. Its borrow rate is the 2nd lowest of the 3 markets with at least $250K of CBBTC to lend. A week ago suppliers earned <0.01% and borrowers paid 0.29%, with 0.8% of the pool lent out. Over the past 30 days, the borrow rate ranged from 0.28% to 0.30% (one reading a day).