mUSD on Aave Monad

Live MetaMask USD (mUSD) 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 2026-09-21 08:51 UTC

Supply APY

3.25%

earned by suppliers

Borrow APY, variable

4.83%

paid by borrowers

Total supplied

$17.69M

17.69M mUSD

Total borrowed

$13.35M

13.35M mUSD

Utilization

75.4%

share of supply that is lent out

Available to borrow

$4.35M

oracle price $1.0000

mUSD supply and borrow APY history

Daily 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	10.00%
Flash loans	Enabled
Supply cap used	17.69M of 50.00M mUSD (35.4%)
Borrow cap used	13.35M of 25.00M mUSD (53.4%)

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

Contracts

mUSD token	0xacA9…35DA
aToken (aMonmUSD)	0xDBb2…3199
Variable debt token	0x9837…76Cd
Price oracle	0xbbb5…71A3
Interest rate strategy	0x1f6F…8211
Pool	0x69a5…2fef

Links open the Monad block explorer.

mUSD utilization and interest rate curve

Utilization is 75.4% 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 0.00% to 5.00%. Past that point it climbs steeply, reaching 45.00% when everything is lent out. How Aave interest rates work.

E-Mode categories that include mUSD

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

Category (1)	Max LTV	Liquidation threshold	Penalty	As collateral	Borrowable
syrupUSDC__Stablecoins	90.00%	92.00%	4.00%	No	Yes

mUSD on other Aave markets

The same asset, different rates

Compare all →

Market	Total supplied	Supply APY	Total borrowed	Borrow APY	Utilization
Ethereum CoremUSD · $24.2K	$24.2K24.17K mUSD	5.11%	$19.6K19.60K mUSD	7.99%	81.1%
LineamUSD · $21.3K	$21.3K21.27K mUSD	2.90%	$17.0K16.95K mUSD	4.58%	79.7%