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 2026-11-08 04:27 UTC

Supply APY

4.52%

earned by suppliers

Borrow APY, variable

7.98%

paid by borrowers

Total supplied

$3.50M

3.50M DAI

Total borrowed

$2.68M

2.68M DAI

Utilization

76.7%

share of supply that is lent out

Available to borrow

$814K

oracle price $0.9999

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	25.00%
Flash loans	Enabled
Supply cap used	3.50M of 3.89M DAI (89.9%)
Borrow cap used	2.68M of 3.50M DAI (76.7%)

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 utilization and interest rate curve

Utilization is 76.7% 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 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

About DAI on Aave Polygon

(PoS) Dai Stablecoin (DAI) is listed on the Aave V3 Polygon market. Lenders have supplied $3.50M (3.50M DAI) and borrowers owe $2.68M, so 76.7% of the pool is lent out and $814K is left to borrow. The supply cap is 90% used.

Suppliers earn 4.52% a year, and variable-rate borrowers pay 7.98%. The rate follows utilization: up to 90% the borrow rate rises gently from 0.00% to 9.00%, and above that it climbs steeply to 49.00% when everything is lent out. At 76.7% now, the pool is below that point. Aave keeps 25% 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 3.27% on Ethereum Core. The cheapest place to borrow it is Avalanche at 3.89%. Compare DAI rates on every Aave market.

Among the 3 Aave markets with at least $1M of DAI supplied, this one pays the highest supply rate. Its borrow rate is the 3rd lowest of the 3 markets with at least $250K of DAI to lend. A week ago suppliers earned 4.21% and borrowers paid 7.70%, with 74.1% of the pool lent out. Over the past 30 days, the supply rate ranged from 3.76% to 4.57%, and the borrow rate from 7.26% to 8.02% (one reading a day).