payment-ready until 2026-09-02
Live USDC lending APY on Base, read on-chain: Aave V3 USDC vs Morpho Gauntlet USDC Prime. Size-aware pick for parking idle USDC: USD per year, days to break even vs Base gas, skip if entry is uneconomic. Conservative two venues only.
Pay from $0.01 per request in USDC on Base, settled onchain via the x402 protocol, no signup, no API key needed.
listed 2026-08-26 · no on-chain settlement recorded yet
VERDICT
ranking generation 3solid 77/100 #64 of 77 in Finance by measured score
What the score read on this service: status online, 100% uptime 24h (no 30d window yet), 446ms response p95, no gradeable x402 checklist (scored on the payment-ready prior), $0.01 price against the category, on-chain traction measured. Each of those is measured, and each is published in full below.
The score comes from our own monitoring, never from reviews, operator claims, or a language model: reliability, x402 compliance, price against the category, a deterministic risk flag, and a small on-chain traction term, weighted by ranking generation 3. It is not placement anyone can buy: the paid verify tier is reported beside it and is not one of its inputs. Every component below stays published and read-only.
It is a score inside Finance, and only there: price and speed are scored against the whole category field, every listing in it that carries no danger flag, the scored service included, which here means 77 listings, this one among them. That set is wider than the 77 the position above is counted against, because a listing we have measured too little of to rank still sits in the field the price and the speed are normalized over. The same service in a different field would read differently. The same engine answers GET /api/v1/best, and asked for a different pool (the whole directory, or another filter) it returns a different number for this service under this same ranking generation. Neither is more correct: they answer different questions, and the methodology states which is which.
Bands on the 0 to 100 measured score: strong at 93 and above, solid from 75, mixed from 55, weak below 55. Price and speed are scored against the whole category field, every listing in it that carries no danger flag, the scored service included, so the score places a service in its own field.
ALTERNATIVES IN FINANCE
Other Finance services in this directory, ordered by the same measured score. The figures are ours: 30-day uptime from our own probes, 30-day settlement volume read on-chain (a conservative undercount, and null where we cannot measure it, never a zero).
| SERVICE | BAND | SCORE | UPTIME 30D | VOL 30D |
|---|---|---|---|---|
| Bitrefill | strong | 99 | 100% | --- |
| toon.haus Financial Data API | strong | 98 | 100% | --- |
| Stock Trends Market Intelligence | strong | 97 | 100% | --- |
| CoinOpAI Kronos Market Intelligence | strong | 97 | 100% | --- |
| DefiLlama Data API (x402 Atlas) | strong | 97 | 99.5% | --- |
ASSESSMENT
updated 3h agoThe parts the verdict above is computed from, each with its proof. Click any chip. Measured values stay read-only; unknown is honest, and an unknown is never counted as a zero.
reliability 100%
- uptime 24h
- -
- uptime 7d
- -
- uptime 30d
- -
- uptime 90d
- -
- response p95
- 446ms
- avg response
- 446ms
- total checks
- 1
Measured on the unpaid 402 handshake, not the paid call. A service can 402 correctly and still fail after payment.
compliance unknown
x402 compliance not evaluated yet.
price $0.01 (p44 in Finance)
- price (min)
- $0.01
- category percentile (min)
- p44 in Finance
- endpoints / prices
- 1 / 1
- model
- flat
- stability
- 100%
risk clean
No deterministic risk flag. Risk fires only on an exact blocklist match, or a reserved-brand name with a mismatched verified payTo. Never from low uptime, a high price, or a model guess.
- domain age
- -
- registrar
- -
- hosting
- free host
- domain created
- ---
Identity facts, not a risk score.
traction $0.00 30d · 0 buyers
- volume 30d
- $0.00
- buyers 30d
- 0
- settlements 30d
- 0
- measured since
- --- (start of our harvest window)
- last settlement
- ---
- top buyer share
- -
- trend 7d vs 30d
- -
- networks
- eip155:8453
- volume all-time
- $0
- settlements all-time
- 0
- median settlement 30d
- -
- max settlement 30d
- -
- settled via
- -
Conservative undercount: only USDC settlements via facilitators we measure are counted. A measured floor, not an estimate.
Top buyer share is a concentration signal, not part of the ranking score.
WHAT IT DOES
ai-derivedNo AI synthesis has been produced for this service yet.
ENDPOINTS
| METHOD | PATH | DESCRIPTION | PRICE | NETWORK | ASSET | 402 CHANNEL |
|---|---|---|---|---|---|---|
| GET | /v1/yields | $0.01 | Base | USDC | header |
REQUEST / RESPONSE EXAMPLE
An unpaid request to GET /v1/yields returns HTTP 402 with the payment terms. Settle onchain via your facilitator, then retry with the X-Payment header.
curl -i 'https://raptor-base-yields.vercel.app/v1/yields'
// 402 response (captured by monitor) · 1 payload · click to expand
[
{
"error": "Payment required",
"accepts": [
{
"asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
"extra": {
"name": "USD Coin",
"version": "2"
},
"payTo": "0x1e84F1F4E83DdFc91F8D5298b0Cf49da34D041a6",
"amount": "10000",
"scheme": "exact",
"network": "eip155:8453",
"maxTimeoutSeconds": 300
}
],
"resource": {
"url": "https://raptor-base-yields.vercel.app/v1/yields",
"tags": [
"usdc",
"yield",
"apy",
"lending",
"base"
],
"mimeType": "application/json",
"description": "Base USDC lending APY. Live USDC lending yield on Base, read on-chain: Aave V3 USDC vs Morpho Gauntlet USDC Prime. Size-aware pick for parking idle USDC: USD per year, days to break even vs Base gas, skip if entry is uneconomic. Conservative two venues only. No leverage, looping, memecoins, or perps.",
"serviceName": "Base USDC lending APY"
},
"extensions": {
"bazaar": {
"info": {
"input": {
"type": "http",
"method": "GET",
"queryParams": {
"amountUsdc": 100
}
},
"output": {
"type": "json",
"example": {
"asOf": "2026-08-25T17:00:00.000Z",
"asset": {
"symbol": "USDC",
"address": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
"decimals": 6
},
"chain": "base",
"venues": [
{
"id": "aave-v3-usdc",
"name": "Aave V3 USDC",
"pool": "0xA238Dd80C259a72e81d7e4664a9801593F98d1c5",
"netApy": 0.0313,
"source": "on-chain:Aave V3 Pool.getReserveData",
"protocol": "aave-v3",
"suppliedUsdc": "180000000.0",
"supplyApyPercent": "3.1345%"
},
{
"id": "morpho-gauntlet-usdc",
"name": "Gauntlet USDC Prime",
"vault": "0xeE8F4eC5672F09119b96Ab6fB59C27E1b7e44b61",
"netApy": 0.0442,
"protocol": "morpho",
"suppliedUsdc": "434000000.0",
"netApyPercent": "4.4216%"
}
],
"chainId": 8453,
"conservative": {
"excluded": [
"leverage",
"looping",
"memecoins",
"perps"
],
"rationale": "Highest live net USDC supply yield among the two named venues only. Size-aware enter/skip is in recommendation.",
"preferredVenue": "morpho-gauntlet-usdc"
},
"recommendation": {
"rationale": "Among Aave V3 USDC and Morpho Gauntlet USDC Prime only, morpho-gauntlet-usdc has the higher live net APY (4.4216%). On example size 100 USDC; scale with usdPerYearPerUsdc that is about $4.4216/year.",
"gasBandUsd": {
"low": 0.02,
"high": 0.15
},
"usdPerYear": 4.4216,
"gasUsdEnter": 0.05,
"principalUsdc": 100,
"preferredVenue": "morpho-gauntlet-usdc",
"daysToBreakEven": 4.1,
"principalSource": "example",
"skipIfUneconomic": false,
"gasUsdEnterSource": "live",
"usdPerYearPerUsdc": 0.044216
}
}
}
},
"schema": {
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"input"
],
"properties": {
"input": {
"type": "object",
"required": [
"type",
"method"
],
"properties": {
"type": {
"type": "string",
"const": "http"
},
"method": {
"enum": [
"GET"
],
"type": "string"
},
"queryParams": {
"type": "object",
"properties": {
"for": {
"type": "string",
"pattern": "^0x[0-9a-fA-F]{40}$",
"description": "Optional Base 0x address. When set, the recommendation size is that wallet's native USDC balance."
},
"amountUsdc": {
"type": "number",
"description": "Optional USDC units for the recommendation. Omit to use the documented example size of 100 USDC; clients can scale with usdPerYearPerUsdc."
}
},
"description": "Optional amountUsdc and/or for. Returns live Base USDC supply yields for Aave V3 and Morpho Gauntlet USDC Prime plus a size-aware recommendation.",
"additionalProperties": false
}
},
"additionalProperties": false
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string"
},
"example": {
"type": "object",
"required": [
"chain",
"chainId",
"asset",
"asOf",
"venues",
"conservative",
"recommendation"
],
"properties": {
"asOf": {
"type": "string",
"description": "ISO-8601 time of the live fetch"
},
"asset": {
"type": "object",
"properties": {
"symbol": {
"type": "string"
},
"address": {
"type": "string",
"description": "USDC contract on Base"
},
"decimals": {
"type": "integer"
}
},
"description": "Native USDC on Base"
},
"chain": {
"type": "string",
"description": "Always base"
},
"venues": {
"type": "array",
"description": "Aave V3 USDC pool and Morpho Gauntlet USDC Prime vault"
},
"chainId": {
"type": "integer",
"description": "Base mainnet chain id 8453"
},
"conservative": {
"type": "object",
"description": "Ranking among the two named venues only. Not a deposit instruction."
},
"recommendation": {
"type": "object",
"description": "Amount-aware pick: preferredVenue, usdPerYear on principalUsdc (example 100 USDC if omitted), gasUsdEnter, daysToBreakEven, skipIfUneconomic. Scale with usdPerYearPerUsdc."
}
}
}
}
}
}
}
}
},
"x402Version": 2
}
] OVER TIME
All charts use the 30d selector; each series spans only the dates it has data for. Every series is also served as JSON at /api/v1/services/base-usdc-lending-apy/price, /scores, /volume and /buyers. On-chain volume and distinct buyers are measured over the service's settlement address and are a conservative undercount (only settlements that reach a measured facilitator are counted). The on-chain series roll up hourly, so the latest day can be up to about an hour behind; distinct buyers are counted per payout address, so a service that settles to more than one address is an upper bound.
checklist grew 11->14 on 2026-07-28; a step here is a metric change, not a regression
COMPLIANCE
not evaluatedlast 402 captured 2026-08-26 · last up 2026-08-26
- 402 payload captured
- accepts[] array present
- payTo address recoverable
- payTo at accepts[0].payTo (conformant shape)
- payTo is a valid on-chain address
- atomic price declared
- atomic price in a sane range
- asset (token) address declared
- network resolves to CAIP-2
- payment scheme declared
- served over HTTPS
- declares the current x402 version (2)
- EIP-712 domain parameters present on every EVM entry
- x402 v2 envelope delivered in the payment-required header
SITE PILLARS
- homepage reachable
- openapi doc
- pricing page
- llms.txt
- robots.txt
- terms page
recent checks (10) live · click to expand
EMBED THIS BADGE
<a href="https://x402-list.com/services/base-usdc-lending-apy?utm_source=badge&utm_medium=referral&utm_campaign=embed"> <img src="https://x402-list.com/badge/base-usdc-lending-apy.svg" alt="Base USDC lending APY listed on x402-list" height="28"> </a>
[](https://x402-list.com/services/base-usdc-lending-apy?utm_source=badge&utm_medium=referral&utm_campaign=embed)
<a href="https://x402-list.com/services/base-usdc-lending-apy?utm_source=badge&utm_medium=referral&utm_campaign=embed"> <img src="https://x402-list.com/badge/base-usdc-lending-apy.svg?data=uptime" alt="Base USDC lending APY uptime on x402-list" height="28"> </a>