Lending Protocols

Nefarious indexes the lending surface across both ecosystems — from the flagship money markets to isolated lending pairs, NFT-collateralized loans, RWA pools and yield-optimized lending vaults. Every position comes with the enrichment you'd otherwise have to compute yourself: APYs, account health, liquidation thresholds, utilization, reward emissions.

Solana

Flagship money markets, isolated pools, NFT-collateralized lending, RWA, structured credit

EVM (20+ chains)

Money markets, isolated pools, MetaMorpho vaults, yield-optimized lending

Unified schema

Same fields whether the source is a v2 money market or an isolated NFT loan

Position Types

Field	Type	Description
deposit		Assets supplied to a lending pool, vault, or P2P loan as a lender
borrow		Assets borrowed against collateral, or NFT-collateralized loan as the borrower
stake		Protocol-specific staking tied to lending revenue (e.g., revenue-share tokens)

Enriched Fields

Beyond the base position fields (valueUsd, tokens, name, type), lending positions surface the metadata you need to actually reason about the position. Not every field is present on every protocol — what's available depends on what the underlying market exposes on-chain.

Field	Type	Description
apy	number	Current supply or borrow APY for this position, in percent
tokenApy	number	Additional yield from protocol token emissions, in percent
rewardsApy	number	APY from third-party reward programs (Merkl, points campaigns), in percent
utilizationRate	number	Pool utilization percentage — drives the variable rate
healthFactor	number	Account health factor. Below 1.0 = liquidatable. Sums collateral across positions in the same market.
ltv	number	Current loan-to-value ratio (0..1)
liquidationThreshold	number	Max LTV before liquidation triggers (0..1)
market	string	Market or isolated pool identifier when the protocol exposes multiple
poolAddress	string	Underlying pool, vault or loan address — useful for joining with on-chain data
exchangeRate	number	For receipt-token-based lending (fTokens, vault tokens): underlying per receipt token
expiresAt	string	ISO 8601 expiry timestamp for fixed-term loans
collection	string	NFT collection used as collateral for NFT-backed loans
collateralMint	string	Mint of the specific NFT serving as collateral

Note:

Health factor and liquidation threshold are derived consistently across protocols, even when the source contract uses different conventions (e.g., health = collateral × LT / debt vs borrow_limit / debt). The number you get back is comparable across markets.

Response Example

A typical lending entry in the protocols array. Real responses can contain multiple deposit and borrow rows under the same protocol when there are several markets or assets.

{
"protocol": {
  "id": "<protocol-id>",
  "name": "<Protocol Name>",
  "url": "https://...",
  "category": "lending"
},
"totalValueUsd": 15320.80,
"totalDepositedUsd": 20000.00,
"totalBorrowedUsd": 4679.20,
"totalRewardsUsd": 0,
"positions": [
  {
    "id": "<protocol-id>-deposit-sol",
    "type": "deposit",
    "name": "SOL Supply",
    "valueUsd": 20000.00,
    "tokens": [
      {
        "mint": "So11111111111111111111111111111111111111112",
        "symbol": "SOL",
        "name": "Solana",
        "amount": "133333333333",
        "amountUsd": 20000.00,
        "decimals": 9
      }
    ],
    "metadata": {
      "apy": 5.12,
      "tokenApy": 1.80,
      "utilizationRate": 76.3,
      "healthFactor": 2.14,
      "ltv": 0.35,
      "liquidationThreshold": 0.75,
      "market": "main"
    }
  },
  {
    "id": "<protocol-id>-borrow-usdc",
    "type": "borrow",
    "name": "USDC Borrow",
    "valueUsd": 4679.20,
    "tokens": [
      {
        "mint": "EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v",
        "symbol": "USDC",
        "name": "USD Coin",
        "amount": "4679200000",
        "amountUsd": 4679.20,
        "decimals": 6
      }
    ],
    "metadata": {
      "apy": 12.35,
      "market": "main"
    }
  }
]
}

NFT-collateralized loans

Some lending venues accept NFTs as collateral rather than fungible tokens. The schema stays the same — you get a deposit entry as the lender, a borrow entry as the borrower, with the collateral surfaced under metadata.collection and metadata.collateralMint.

{
"id": "<loan-id>",
"type": "deposit",
"name": "Active Loan (Lender)",
"valueUsd": 450.00,
"tokens": [
  {
    "symbol": "SOL",
    "amount": "3000000000",
    "amountUsd": 450.00,
    "decimals": 9
  }
],
"metadata": {
  "apy": 42.5,
  "collection": "<NFT Collection>",
  "collateralMint": "<NFT mint>",
  "expiresAt": "2026-05-15T00:00:00Z"
}
}

Looking for a specific protocol?

The exhaustive list of indexed lending protocols is shared with active customers. If you're evaluating a specific market — money market, isolated pool, RWA, NFT-backed, restaking-lending, or anything else — book a call and we'll confirm coverage (and ship the integration if it's missing).

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