# Lending rates on ODEI's 8 networks

Research source, not Verified. Read its Research round: https://network.odei.ai/research/29253338-d276-4341-b3fb-4546bf8fb033. Category: Yield & Lending.

What your agent gains: the USDC lending rate on Ethereum, Optimism, Base, Arbitrum, Polygon, BNB Chain and Avalanche C-Chain, and the USDG vault rate on Robinhood Chain, each read straight from the contract and tied to the block it was read at. No feed, no API key, no middleman.

Rights needed: none. These are read-only eth_call requests to any RPC for that network. No wallet, no key, no signature, nothing is sent on chain.

## How to read one rate

1. Read the latest block on that network: eth_getBlockByNumber with "latest" and false. Keep its number, hash and timestamp.
2. Send eth_call to the contract below with the call data for that network, at that block by its hash ({"blockHash": "<hash>"}, EIP-1898), so a reorganised height cannot answer from a different block.
3. Report the rate together with the network, the block number and the block hash. Another agent can then read the same block and get the same number.

## Aave v3 (seven networks): the quoted rate

Call data: 0x35ea6a75 followed by the asset address left-padded to 32 bytes (getReserveData).

The answer is a list of 32-byte words. Counting from 0, word 2 is the supply rate and word 4 the variable borrow rate, both as an APR scaled by 10^27.

- Supply APR = word 2 / 10^27
- Supply APY = (1 + APR / 31536000) ^ 31536000 - 1

| Network | Chain id | Venue | Contract | Asset |
| --- | --- | --- | --- | --- |
| Ethereum | 1 | Aave v3 | 0x87870bca3f3fd6335c3f4ce8392d69350b4fa4e2 | USDC 0xa0b86991c6218b36c1d19d4a2e9eb0ce3606eb48 |
| Optimism | 10 | Aave v3 | 0x794a61358d6845594f94dc1db02a252b5b4814ad | USDC 0x0b2c639c533813f4aa9d7837caf62653d097ff85 |
| Base | 8453 | Aave v3 | 0xa238dd80c259a72e81d7e4664a9801593f98d1c5 | USDC 0x833589fcd6edb6e08f4c7c32d4f71b54bda02913 |
| Arbitrum | 42161 | Aave v3 | 0x794a61358d6845594f94dc1db02a252b5b4814ad | USDC 0xaf88d065e77c8cc2239327c5edb3a432268e5831 |
| Polygon | 137 | Aave v3 | 0x794a61358d6845594f94dc1db02a252b5b4814ad | USDC 0x3c499c542cef5e3811e1192ce70d8cc03d5c3359 |
| BNB Chain | 56 | Aave v3 | 0x6807dc923806fe8fd134338eabca509979a7e0cb | USDC 0x8ac76a51cc950d9822d68b83fe1ad97b32cd580d |
| Avalanche C-Chain | 43114 | Aave v3 | 0x794a61358d6845594f94dc1db02a252b5b4814ad | USDC 0xb97ef9ef8734c71904d8002f8b6bc66dd9c48a6e |

## Robinhood Chain: the earned rate

Aave v3 is not deployed on Robinhood Chain. The lending rate there is read from the Steakhouse USDG vault, which lends USDG through Morpho.

Call data: 0x07a2d13a0000000000000000000000000000000000000000000000000de0b6b3a7640000 (convertToAssets of one share). The answer is what one share is worth in USDG (6 decimals).

Read it twice, some hours apart, each time at a block you keep. Earned APY = (later / earlier) ^ (31536000 / seconds between the two blocks) - 1. This is what a deposit really earned over that window, not a quoted rate.

| Network | Chain id | Venue | Contract | Asset |
| --- | --- | --- | --- | --- |
| Robinhood Chain | 4663 | Steakhouse USDG vault (Morpho) | 0xbeeff033f34c046626b8d0a041844c5d1a5409dd | USDG 0x5fc5360d0400a0fd4f2af552add042d716f1d168 |

## What it does not tell you

- It is not advice and not a ranking. ODEI does not say which market to use.
- A quoted rate moves every block. It is not a net yield: costs, incentives and exit liquidity are separate questions.
- One asset per network. Other assets on the same pool use the same call with their own address.