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 2026-11-08 04:27 UTC

Supply APY

2.59%

earned by suppliers

Borrow APY, variable

5.84%

paid by borrowers

Total supplied

$540K

540.49K DAI

Total borrowed

$487K

487.33K DAI

Utilization

90.2%

share of supply that is lent out

Available to borrow

frozen

DAI 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	50.00%
Flash loans	Enabled
Supply cap used	Full: 540.49K DAI against a cap of 1.00, so no new deposits
Borrow cap used	Full: 487.33K DAI against a cap of 1.00, so no new loans

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 90.2% 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

About DAI on Aave Optimism

Dai Stablecoin (DAI) is listed on the Aave V3 Optimism market. Lenders have supplied $540K (540.49K DAI) and borrowers owe $487K, so 90.2% of the pool is lent out. DAI is frozen here: no new deposits or loans, only repayments and withdrawals. The supply cap is full, so no new deposits are accepted.

Suppliers earn 2.59% a year, and variable-rate borrowers pay 5.84%. The rate follows utilization: up to 90% the borrow rate rises gently from 0.00% to 5.00%, and above that it climbs steeply to 45.00% when everything is lent out. At 90.2% now, the pool is above that point, so the rate can jump quickly if more is borrowed. Aave keeps 50% of the interest as its reserve factor.

DAI cannot be used as collateral on this market. The best DAI supply rate elsewhere on Aave is 4.52% on Polygon. The cheapest place to borrow it is Avalanche at 3.89%. Compare DAI rates on every Aave market.

A week ago suppliers earned 2.16% and borrowers paid 4.99%, with 87.7% of the pool lent out. Over the past 30 days, the supply rate ranged from 2.13% to 2.59%, and the borrow rate from 4.96% to 5.84% (one reading a day).