DAI on Aave Polygon

Live (PoS) Dai Stablecoin (DAI) rates on the Aave V3 Polygon 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 07:58 UTC

Supply APY

4.49%

earned by suppliers

Borrow APY, variable

7.96%

paid by borrowers

Total supplied

$3.49M

3.49M DAI

Total borrowed

$2.67M

2.67M DAI

Utilization

76.6%

share of supply that is lent out

Available to borrow

$818K

oracle price $0.9999

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	25.00%
Flash loans	Enabled
Supply cap used	3.49M of 3.89M DAI (89.7%)
Borrow cap used	2.67M of 3.50M DAI (76.3%)

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

Contracts

DAI token	0x8f3C…A063
aToken (aPolDAI)	0x82E6…12EE
Variable debt token	0x8619…7ffC
Price oracle	0xa191…96A1
Interest rate strategy	0x5607…8B1A
Pool	0x794a…14aD

Links open the Polygon block explorer.

DAI interest rate curve

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 9.00%. Past that point it climbs steeply, reaching 49.00% 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	91.25%	94.25%	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%	$113.6M113.57M DAI	4.85%	87.2%
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	1.33%	$2.38M2.38M DAI	3.91%	69.1%
GnosisWXDAI · $825K	$825K824.93K WXDAI	1.73%	$529K529.30K WXDAI	3.63%	64.2%
OptimismDAI · $600K	$600K599.85K DAI	2.14%	$524K523.95K DAI	4.97%	87.3%