cbBTC on Aave Monad

Q: What is the cbBTC supply APY on Aave Monad?

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

Q: Can I use cbBTC as collateral on Aave Monad?

Yes. You can borrow up to 73% of its value, and a loan is liquidated at 78% with a 7.0% penalty.

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 Monad 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

–

borrowing is off

Total supplied

$285K

3.76 cbBTC

Total borrowed

0 cbBTC

Utilization

0.0%

share of supply that is lent out

Available to borrow

borrowing is off

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)	73.00%
Liquidation threshold	78.00%
Liquidation penalty	7.00%
Reserve factor	7.00%
Flash loans	Enabled
Supply cap used	3.76 of 400.00 cbBTC (0.9%)

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

Contracts

cbBTC token	0xd18B…414b
aToken (aMoncbBTC)	0x1F5e…8e57
Variable debt token	0x551a…Af1F
Price oracle	0x4869…1DdA
Interest rate strategy	0x1f6F…8211
Pool	0x69a5…2fef

Links open the Monad block explorer.

cbBTC 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 45% utilization the borrow rate climbs gently from 0.00% to 10.00%. Past that point it climbs steeply, reaching 310.00% when everything is lent out. How Aave interest rates work.

About cbBTC on Aave Monad

Coinbase Wrapped BTC (cbBTC) is listed on the Aave V3 Monad market. Lenders have supplied $285K (3.76 cbBTC), and borrowing it is switched off. The supply cap is 1% used.

Suppliers earn 0.00% a year. The rate follows utilization: up to 45% the borrow rate rises gently from 0.00% to 10.00%, and above that it climbs steeply to 310.00% when everything is lent out. At 0.0% now, the pool is below that point. Aave keeps 7% of the interest as its reserve factor.

cbBTC counts as collateral here: you can borrow up to 73% of its value, and a loan is liquidated once it reaches 78%, with a 7.0% 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.

A week ago suppliers earned 0.00%, with 0.0% of the pool lent out.