WBTC on Aave Polygon

Live (PoS) Wrapped BTC (WBTC) 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 08:56 UTC

Supply APY

0.01%

earned by suppliers

Borrow APY, variable

0.68%

paid by borrowers

Total supplied

$71.86M

858.32 WBTC

Total borrowed

$2.56M

30.62 WBTC

Utilization

3.6%

share of supply that is lent out

Available to borrow

$69.29M

oracle price $83.7K

WBTC supply and borrow APY history

Daily averages published by Aave's API

Risk settings

Can be used as collateral	Yes
Max loan-to-value (LTV)	73.00%
Liquidation threshold	78.00%
Liquidation penalty	8.50%
Reserve factor	50.00%
Flash loans	Enabled
Supply cap used	858.32 of 1.00K WBTC (85.8%)
Borrow cap used	30.62 of 76.00 WBTC (40.3%)

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

Contracts

WBTC token	0x1BFD…BfD6
aToken (aPolWBTC)	0x078f…A249
Variable debt token	0x92b4…9473
Price oracle	0xc907…7F6f
Interest rate strategy	0x5607…8B1A
Pool	0x794a…14aD

Links open the Polygon block explorer.

WBTC utilization and interest rate curve

Utilization is 3.6% 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 0.50% to 4.50%. Past that point it climbs steeply, reaching 304.50% when everything is lent out. How Aave interest rates work.

WBTC on other Aave markets

The same asset, different rates

Compare all →

Market	Total supplied	Supply APY	Total borrowed	Borrow APY	Utilization
Ethereum CoreWBTC · $2.88B	$2.88B34.41K WBTC	<0.01%	$61.89M738.83 WBTC	0.32%	2.1%
ArbitrumWBTC · $251.3M	$251.3M3.00K WBTC	0.03%	$15.61M186.33 WBTC	0.81%	6.2%
Ethereum MainV4WBTC · $36.00M	$36.00M429.75 WBTC	<0.01%	$202K2.41 WBTC	0.28%base rate	0.6%
Ethereum BluechipV4WBTC · $27.75M	$27.75M331.28 WBTC	0.00%	$00 WBTC	not borrowable–	0.0%
OptimismWBTC · $16.18M	$16.18M193.30 WBTC	0.02%	$884K10.56 WBTC	0.78%	5.5%
AvalancheWBTC.e · $3.44M	$3.44M41.02 WBTC.e	0.02%	$155K1.85 WBTC.e	0.91%	4.5%
LineaWBTC · $902K	$902K10.78 WBTC	0.05%	$47.1K0.563 WBTC	1.32%	5.2%
Ethereum LombardV4WBTC · $0	$00 WBTC	<0.01%	$01.80e-7 WBTC	0.28%base rate	0.6%