Borrow / Lend State

Returns the USDC lending pool summary and, when active and readable, the pUSD pool summary. The borrowLendState WebSocket channel uses the same payload.

Endpoint

POST /info

Request Body

{ "type": "borrowLendState" }

Response

{
  "earn": {
    "apy": 105,
    "interestApr": 105,
    "activeAssets": "800000.00000000",
    "pendingAssets": "50000.00000000",
    "capacityAssets": "800000.00000000",
    "borrowApr": 525,
    "tvl": "1000000.00",
    "available": "640000.00",
    "utilization": 0.2,
    "nextAccrualTimestamp": 1701234567890
  }
}

Earn Summary Units

earn.apy and earn.borrowApr are integer basis points: 525 represents 5.25%. earn.utilization is a decimal ratio, and tvl and available are decimal USDC strings. nextAccrualTimestamp is a Unix-millisecond timestamp or null. If pool state is unavailable, the earn summary can contain zero values and a null accrual timestamp.

Field	Type	Description
`apy`	number	Supplier yield in basis points; equals `interestApr`, or `0` while it is unavailable
`interestApr`	number \| null	Supplier yield in basis points; `null` while the USDC settlement engine has no live estimate
`activeAssets`	string	Pool capital earning yield
`pendingAssets`	string	Deposits waiting for their maturity
`capacityAssets`	string	Lendable capital: active assets for USDC, active plus pending for pUSD
`borrowApr`	number	Borrow rate in basis points
`tvl`	string \| null	Protocol balance of the pool asset; `earn.tvl` falls back to pool total assets, `earnPusd.tvl` is `null` when totals cannot be read
`available`	string	`capacityAssets` minus borrowed capital, floored at zero
`utilization`	number	Borrowed capital over `capacityAssets`
`nextAccrualTimestamp`	number \| null	Next settlement or epoch close

When the pUSD pool is active and readable, the response also includes earnPusd with the same fields, denominated in pUSD. Its interestApr is derived from the recorded pool rate (borrowed capital times borrowApr over activeAssets) and is never null, capacityAssets is active plus pending capital, and nextAccrualTimestamp is the next hourly epoch close. If balance totals cannot be read, earnPusd.tvl is null; its rates, capital figures, available liquidity, utilization, and accrual timestamp remain available. Treat null TVL as unavailable, not zero. A measured zero is the string "0.00". The entire earnPusd block is omitted only when the pool is inactive or its own state cannot be read or validated. These semantics also apply to the WebSocket borrowLendState stream.

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Info

Analytics

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WebSocket

Endpoint

Request Body

Response

Earn Summary Units

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​Earn Summary Units

Endpoint

Request Body

Response

Earn Summary Units