Aave Tracker

Aave utilization rates

Utilization is the share of an asset's supply that is currently lent out. It is the number that drives Aave's interest rates: the higher it goes, the more borrowers pay and the more suppliers earn, and past a certain point rates climb steeply. Open any asset to see its utilization history and its rate curve chart.

Data from Aave's API · updated

Assets above 90%

34

rates there can jump quickly

Average utilization

43.9%

size-weighted, assets over $10M

Most utilized large asset

94.0%

USDT0 · Plasma

Assets listed

191

borrowable, over $100K supplied

Utilization by asset

Highest first. Click an asset for its chart.

Asset and marketUtilizationBorrow APYSupply APYSuppliedAvailable
USDCSonic 100.0% 23.98% 0.20% $1.35M $0
USDCzkSync Era 100.0% 64.87% 0.44% $122K $0
USDCLinea 96.0% 11.04% 9.47% $1.11M $44.7K
USDCArbitrum 95.8% 39.51% 8.30% $1.00M $0
EURSPolygon 94.2% 59.02% 0.44% $155K $0
USDT0Plasma 94.0% 4.66% 4.15% $709.2M $42.32M
USDTLinea 94.0% 8.83% 7.41% $396K $5.6K
USDTEthereum Core 93.7% 4.59% 3.86% $2.57B $146.1M
USDt (Prime hub)V4Ethereum Bluechip 92.5% 5.65% 4.68% $3.15M $240K
USDC (Prime hub)V4Ethereum Bluechip 92.3% 5.15% 4.26% $7.22M $563K
USDCMonad 92.1% 5.33% 4.39% $121.4M $9.62M
USDt (Plus hub)V4Ethereum Ethena Ecosystem 91.9% 4.80% 3.73% $4.33M $354K
USDCOptimism 91.9% 6.05% 4.98% $10.13M $823K
USDCEthereum Horizon 91.8% 11.51% 9.41% $2.60M $214K
FDUSDBNB Chain 91.5% 10.65% 4.74% $535K $0
USDCV4Ethereum Main 91.4% 5.61% 4.59% $55.73M $5.33M
USDCV4Ethereum Forex 91.4% 5.61% 4.59% $5.00M $3.93M
USDCBNB Chain 91.3% 6.00% 4.91% $12.72M $1.10M
USDT0Monad 91.3% 5.09% 4.16% $68.59M $5.95M
USDCBase 91.3% 6.22% 5.08% $196.7M $15.36M
GHOAvalanche 91.2% 9.75% 7.89% $996K $87.1K
USDtV4Ethereum Main 91.2% 4.56% 3.72% $19.00M $2.24M
USDtV4Ethereum Forex 91.2% 4.56% 3.72% $6.10M $2.24M
WETHV4Ethereum Main 91.1% 2.20% 1.70% $97.45M $2.74M
USDCAvalanche 91.0% 5.70% 4.65% $67.35M $3.28M
USDtAvalanche 90.9% 5.52% 4.46% $25.18M $76.6K
GHOV4Ethereum Bluechip 90.7% 5.92% 4.81% $608K $57.3K
USDCEthereum Core 90.4% 4.42% 3.58% $2.85B $27.73M
GHOBase 90.4% 6.58% 5.32% $1.30M $125K
USDGV4Ethereum Main 90.3% 4.44% 3.19% $74.70M $7.37M
GHOV4Ethereum Main 90.3% 4.47% 3.62% $663K $65.7K
AUSDAvalanche 90.3% 6.52% 5.26% $130K $12.6K
DAIOptimism 90.2% 5.84% 2.59% $540K $0
GHOMonad 90.1% 5.02% 4.05% $9.09M $901K
USDG (Global Dollar hub)V4Ethereum Maple SyrupUSDG 89.9% 4.07% 2.91% $53.25M $5.47M
USDGV4Ethereum PAXG Gold 89.9% 4.07% 2.91% $146K $1.90M
USDCV4Avalanche Main 89.9% 4.59% 3.70% $8.04M $907K
USDCV4Avalanche Forex 89.9% 4.59% 3.70% $817K $907K
USDCPolygon 89.1% 10.41% 1.33% $3.24M $0
USDTOptimism 89.0% 4.55% 3.63% $3.77M $414K
DAIEthereum Core 88.8% 4.95% 3.27% $127.4M $5.83M
USD₮0Ink 88.6% 4.02% 3.19% $11.10M $0
USDCV4Base Coinbase Stocks 88.5% 4.01% 3.19% $7.67M $884K
USD₮0Arbitrum 88.4% 4.52% 3.57% $43.73M $5.08M
WETHMonad 87.7% 2.17% 1.61% $3.93M $0
USDT0Mantle 87.5% 3.96% 3.11% $154.1M $16.98M
PYUSDEthereum Core 87.4% 5.01% 3.92% $7.14M $900K
USDC.eGnosis 87.2% 4.45% 3.48% $1.89M $242K
GHOPlasma 86.9% 4.66% 3.83% $21.13M $2.77M
GHOArbitrum 86.7% 4.43% 3.44% $532K $70.6K
frxUSDV4Ethereum Main 86.5% 3.91% 2.69% $27.62M $3.78M
USDTBNB Chain 86.4% 4.42% 3.42% $61.20M $7.32M
WETHEthereum Prime 85.5% 2.01% 1.46% $42.72M $5.91M
RLUSDV4Ethereum RLUSD Yield 84.8% 3.87% 2.78% $49.33M $7.50M
USDC (Plus hub)V4Ethereum Ethena Ecosystem 84.8% 4.42% 3.16% $3.00M $462K
WETHEthereum Core 84.6% 2.04% 1.43% $4.69B $173.6M
WETHArbitrum 82.9% 2.00% 0.96% $213.3M $23.70M
WETHBase 81.8% 2.07% 1.43% $214.9M $25.39M
USDCArbitrum 81.6% 3.98% 2.90% $204.6M $33.00M
USD₮0X Layer 80.0% 4.08% 2.92% $37.30M $7.47M
USDCX Layer 79.9% 4.08% 2.91% $14.96M $3.01M
EUReGnosis 79.7% 4.53% 3.23% $14.43M $317K
USDtbEthereum Core 79.0% 4.03% 2.53% $11.31M $2.37M
USDGX Layer 78.8% 4.53% 3.19% $1.27M $269K
AUSDMonad 78.3% 5.01% 3.51% $4.47M $971K
mUSDMonad 78.3% 5.01% 3.51% $40.06M $8.64M
DAIPolygon 76.7% 7.98% 4.52% $3.50M $813K
USDCEthereum Prime 76.5% 4.68% 3.20% $5.67M $1.33M
USDCV4Ethereum USDG Pendle 76.1% 3.79% 2.58% $2.49M $599K
GHOEthereum Core 75.3% 4.60% 0.00% $135.5M $3.01M
USDCInk 74.1% 6.50% 4.29% $65.49M $16.98M
USDCV4Arc Main 73.9% 3.42% 2.48% $124.6M $20.58M
USDCScroll 73.5% 8.62% 0.06% $242K $0
USDbCBase 73.1% 8.46% 1.50% $150K $0
WETHOptimism 73.1% 1.80% 1.12% $18.87M $3.53M
WETHLinea 73.1% 2.05% 1.27% $5.66M $1.14M
EURCAvalanche 73.0% 4.56% 2.97% $1.12M $302K
USDGEthereum Core 70.2% 4.48% 2.49% $2.99M $890K
USDTV4Avalanche Main 69.8% 3.70% 2.68% $92.19M $287K
USDTV4Avalanche Forex 69.8% 3.70% 2.68% $534K $171K
USDT0Polygon 69.3% 7.18% 3.67% $31.46M $8.16M
DAIArbitrum 69.2% 3.92% 1.34% $3.07M $0
DAI.eAvalanche 68.8% 3.89% 1.99% $3.09M $964K
RLUSDEthereum Core 68.5% 4.75% 2.58% $2.81M $885K
USDCPolygon 67.8% 7.02% 3.75% $25.84M $7.47M
EURCEthereum Core 65.4% 4.08% 2.38% $44.53M $4.28M
WETHGnosis 63.6% 1.78% 0.56% $1.44M $0
USDCMantle 60.4% 2.72% 1.47% $497K $197K
EURCV4Ethereum Main 59.7% 3.71% 1.98% $388K $926K
EURCV4Ethereum Forex 59.7% 3.71% 1.98% $1.83M $926K
xETHX Layer 58.5% 1.64% 0.81% $9.48M $3.93M
GHOEthereum Prime 55.1% 3.82% 1.88% $52.10M $6.27M
ETHBNB Chain 50.8% 1.60% 0.69% $16.91M $8.32M
RLUSDEthereum Horizon 46.9% 2.64% 1.10% $136.3M $72.42M
USDmMegaETH 46.8% 2.37% 0.99% $6.41M $3.41M
EURCBase 45.5% 3.87% 1.57% $10.92M $5.95M
GHOMantle 44.6% 3.55% 1.41% $1.40M $776K
crvUSDEthereum Core 44.3% 3.09% 0.68% $171K $0
WXDAIGnosis 42.0% 2.36% 0.74% $743K $188K
USD₮Celo 41.1% 1.84% 0.60% $1.21M $710K
WAVAXAvalanche 37.4% 3.36% 0.99% $129.5M $560K
WPOLPolygon 35.7% 2.41% 0.68% $4.28M $0
EURCV4Arc Main 34.7% 2.15% 0.67% $1.53M $1.06M
WETHMegaETH 34.3% 0.96% 0.28% $343K $0
WAVAXV4Avalanche Main 33.2% 3.09% 0.81% $18.51M $371K
xSOLX Layer 33.0% 2.08% 0.58% $1.43M $957K
wstETHEthereum Prime 32.4% 0.20% 0.06% $121.0M $0
WETHPolygon 29.5% 1.90% 0.47% $32.19M $15.07M
USDGInk 28.9% 6.87% 1.74% $1.20M $0
USDCOptimism 27.1% 3.05% 0.20% $1.07M $0
GHOInk 25.9% 1.60% 0.37% $290K $0
LUSDEthereum Core 25.3% 6.81% 0.00% $1.88M $0
USDCCelo 23.0% 1.03% 0.21% $113K $86.6K
WETHV4Arc Main 21.4% 0.53% 0.10% $450K $353K
RPLEthereum Core 18.9% 7.25% 0.00% $591K $0
GHOEthereum Horizon 17.2% 3.30% 0.50% $60.12M $39.65M
WETHPlasma 16.8% 0.46% 0.04% $2.31M $0
WETH.eAvalanche 13.0% 0.36% 0.04% $22.21M $19.33M
tBTCBase 12.4% 1.62% 0.10% $231K $0
CRVEthereum Core 12.1% 5.84% 0.34% $2.05M $0
wSSonic 11.8% 5.75% <0.01% $2.33M $0
WETH.eV4Avalanche Main 9.7% 0.27% 0.02% $1.55M $520K
USDCGnosis 9.3% 1.04% <0.01% $137K $0
ARBArbitrum 8.2% 1.29% 0.08% $3.28M $0
WETHCelo 8.1% 0.24% 0.02% $1.41M $1.29M
USDmCelo 7.3% 5.47% 0.00% $129K $0
OPOptimism 7.1% 1.10% 0.06% $373K $0
WETHMantle 6.5% 0.18% <0.01% $232K $218K
LDOEthereum Core 6.4% 1.00% 0.05% $232K $0
WBTCOptimism 6.0% 0.80% 0.02% $13.43M $1.62M
LINKEthereum Core 5.4% 0.84% 0.04% $81.14M $1.02M
WBTCLinea 5.3% 1.34% 0.06% $810K $32.5K
USDSEthereum Core 5.2% 5.70% 0.21% $5.01M $4.75M
USDePlasma 5.1% 7.27% 0.27% $583.5M $4.99M
GNOGnosis 5.0% 0.95% 0.04% $7.33M $0
weETHScroll 4.4% 6.22% <0.01% $219K $0
WBTC.eAvalanche 4.4% 0.90% 0.02% $3.11M $0
WBTCArbitrum 4.3% 0.72% 0.02% $235.0M $8.88M
LINKPolygon 4.2% 0.66% 0.02% $1.60M $0
WETHScroll 3.9% 5.24% <0.01% $1.25M $0
LINKOptimism 3.1% 0.49% 0.01% $413K $0
WBTCPolygon 3.0% 0.65% <0.01% $67.46M $3.74M
WETHInk 2.8% 2.05% 0.05% $10.29M $0
WETHSonic 2.7% 5.21% <0.01% $1.26M $0
cbBTCBase 2.6% 0.63% <0.01% $239.4M $22.66M
BTC.bAvalanche 2.5% 0.13% <0.01% $88.00M $3.75M
CakeBNB Chain 2.4% 0.38% <0.01% $710K $0
USDeEthereum Core 2.2% 7.26% 0.12% $549.3M $7.79M
LINKArbitrum 2.1% 0.33% <0.01% $3.39M $0
LINK.eAvalanche 2.1% 0.33% <0.01% $733K $0
WBTCEthereum Core 2.0% 0.31% <0.01% $2.58B $16.29M
WETHzkSync Era 1.8% 5.18% <0.01% $423K $0
WBNBBNB Chain 1.8% 0.28% <0.01% $89.14M $2.56M
rETHArbitrum 1.7% 0.26% <0.01% $2.01M $0
wstETHEthereum Core 1.5% 0.02% <0.01% $2.15B $0
UNIEthereum Core 1.2% 0.19% <0.01% $2.82M $0
BTCBBNB Chain 1.1% 0.67% <0.01% $82.48M $9.71M
wstETHBase 1.1% <0.01% <0.01% $24.20M $0
MKREthereum Core 1.1% 0.16% <0.01% $183K $0
MaticXPolygon 1.1% 0.34% <0.01% $569K $0
wstETHLinea 0.8% 0.12% <0.01% $664K $0
cbBTCEthereum Core 0.7% 0.28% <0.01% $1.34B $9.72M
FBTCEthereum Core 0.7% 0.56% <0.01% $11.66M $0
WBTCV4Ethereum Main 0.6% 0.28% <0.01% $48.44M $8.80M
wstETHArbitrum 0.4% <0.01% 0.00% $61.65M $0
cbBTCV4Ethereum Main 0.4% 0.27% <0.01% $12.19M $1.92M
wstETHOptimism 0.4% 0.29% <0.01% $23.75M $0
rETHOptimism 0.3% 0.05% <0.01% $452K $0
cbETHEthereum Core 0.3% 0.04% <0.01% $14.03M $0
ETHxEthereum Core 0.2% 0.04% 0.00% $161K $0
tBTCEthereum Core 0.2% 0.26% <0.01% $121.4M $0
wstETHPolygon 0.1% 0.27% <0.01% $10.67M $0
cirBTCV4Arc Main 0.1% 0.26% <0.01% $90.92M $16.54M
rETHEthereum Core 0.1% 0.02% 0.00% $91.40M $0
cbETHBase 0.1% <0.01% 0.00% $144.3M $0
kBTCInk 0.1% 8.33% <0.01% $77.80M $0
ZKzkSync Era 0.1% 5.14% 0.00% $182K $0
USDeMonad 0.0% 7.25% <0.01% $124.9M $9.94M
wstETHBNB Chain 0.0% <0.01% 0.00% $2.44M $0
xBTCX Layer 0.0% <0.01% 0.00% $10.54M $1.51M
USDeV4Ethereum Ethena Ecosystem 0.0% 7.25% <0.01% $29.68M $4.79M
weETHBase 0.0% 1.01% <0.01% $27.44M $0
wstETHGnosis 0.0% <0.01% 0.00% $31.23M $0
weETHArbitrum 0.0% 1.01% 0.00% $88.27M $0
USDeMantle 0.0% 6.82% <0.01% $22.81M $9.99M
weETHEthereum Core 0.0% 1.01% 0.00% $3.36B $0
rsETHEthereum Core 0.0% <0.01% 0.00% $704.1M $0
osETHEthereum Core 0.0% 0.00% 0.00% $297.3M $0
LBTCEthereum Core 0.0% <0.01% 0.00% $191.3M $0
USDeX Layer 0.0% 6.50% 0.00% $26.06M $9.99M
BTC.bV4Avalanche Main 0.0% 0.00% 0.00% $8.89M $0

Why utilization matters

Each asset on Aave has a target utilization, often between 80% and 94%. Below the target, the borrow rate rises gently. Above it, the rate rises steeply to pull in new supply and push borrowers to repay, which also means withdrawals can briefly be hard because little is left in the pool. That is why a loan can suddenly cost much more for a few minutes. Read how Aave interest rates work and why the average rate differs from the current rate.

Aave utilization: quick answers

What is utilization on Aave?

The share of an asset's supply that is borrowed. It sets the interest rate: the fuller the pool, the higher the rate, and past the optimal point rates climb steeply.

Which large Aave market is the most utilized?

USDT0 on Plasma at 94.0%, among assets with at least $10M supplied.

How many Aave assets are above 90% utilization?

34 right now. Rates on those can jump quickly, and withdrawals may briefly have to wait.