DAI on Aave Optimism❄ Frozen

Live Dai Stablecoin (DAI) rates on the Aave V3 Optimism 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

2.14%

earned by suppliers

Borrow APY, variable

4.97%

paid by borrowers

Total supplied

$600K

599.85K DAI

Total borrowed

$524K

523.96K DAI

Utilization

87.3%

share of supply that is lent out

Available to borrow

$75.9K

oracle price $1.0000

DAI 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	50.00%
Flash loans	Enabled
Supply cap used	599.85K of 1.00 DAI (59985395.0%)
Borrow cap used	523.96K of 1.00 DAI (52395749.6%)

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

Contracts

DAI token	0xDA10…0da1
aToken (aOptDAI)	0x82E6…12EE
Variable debt token	0x8619…7ffC
Price oracle	0xf116…9d53
Interest rate strategy	0x9359…bed1
Pool	0x794a…14aD

Links open the Optimism block explorer.

DAI utilization and interest rate curve

Utilization is 87.3% 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 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 DAI

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

Category (1)	Max LTV	Liquidation threshold	Penalty	As collateral	Borrowable
Stablecoins	0.01%	87.00%	1.00%	Yes	No

DAI on other Aave markets

The same asset, different rates

Compare all →

Market	Total supplied	Supply APY	Total borrowed	Borrow APY	Utilization
Ethereum CoreDAI · $130.3M	$130.3M130.32M DAI	3.14%	$113.5M113.54M DAI	4.85%	87.1%
AvalancheDAI.e · $4.89M	$4.89M4.90M DAI.e	1.71%	$3.12M3.12M DAI.e	3.61%	63.9%
ArbitrumDAI · $3.45M	$3.45M3.45M DAI	1.32%	$2.37M2.37M DAI	3.90%	68.8%
PolygonDAI · $3.44M	$3.44M3.44M DAI	4.63%	$2.67M2.67M DAI	8.08%	77.7%
GnosisWXDAI · $829K	$829K829.52K WXDAI	1.71%	$529K529.30K WXDAI	3.61%	63.8%