市场数据未经许可不得转分发。
🏦 加密借贷：以BTC/ETH抵押借USDT/USDC
利率从低到高 · 最大LTV＝每1美元抵押可借比例
| 平台 | 借 | 抵押 | 借款利率 | 最大LTV | 清算LTV | 利率类型 |
|---|---|---|---|---|---|---|
| Bitget Crypto LoanCeFi | USDC | BTC | 3.45% | 65% | 91% | fixed 7D |
| Bitget public API v2 /earn/loan/public/coinInfos · 2026-10-31 15:16 KST | ||||||
| Bitget Crypto LoanCeFi | USDC | ETH | 3.45% | 65% | 93% | fixed 7D |
| Bitget public API v2 /earn/loan/public/coinInfos · 2026-10-31 15:16 KST | ||||||
| Bitget Crypto LoanCeFi | USDC | BTC | 3.61% | 65% | 91% | fixed 30D |
| Bitget public API v2 /earn/loan/public/coinInfos · 2026-10-31 15:16 KST | ||||||
| Bitget Crypto LoanCeFi | USDC | ETH | 3.61% | 65% | 93% | fixed 30D |
| Bitget public API v2 /earn/loan/public/coinInfos · 2026-10-31 15:16 KST | ||||||
| MorphoDeFi | USDT | ETH (wstETH) | 3.73% | 86% | 86% | variable |
| Morpho official API · 2026-10-31 15:16 KST · Morpho has one LLTV: borrowing up to it means liquidation. | ||||||
| MorphoDeFi | USDT | BTC (WBTC) | 3.73% | 86% | 86% | variable |
| Morpho official API · 2026-10-31 15:16 KST · Morpho has one LLTV: borrowing up to it means liquidation. | ||||||
| Bitget Crypto LoanCeFi | USDT | BTC | 3.77% | 65% | 91% | fixed 7D |
| Bitget public API v2 /earn/loan/public/coinInfos · 2026-10-31 15:16 KST | ||||||
| Bitget Crypto LoanCeFi | USDT | ETH | 3.77% | 65% | 93% | fixed 7D |
| Bitget public API v2 /earn/loan/public/coinInfos · 2026-10-31 15:16 KST | ||||||
| Bitget Crypto LoanCeFi | USDT | BTC | 3.95% | 65% | 91% | fixed 30D |
| Bitget public API v2 /earn/loan/public/coinInfos · 2026-10-31 15:16 KST | ||||||
| Bitget Crypto LoanCeFi | USDT | ETH | 3.95% | 65% | 93% | fixed 30D |
| Bitget public API v2 /earn/loan/public/coinInfos · 2026-10-31 15:16 KST | ||||||
| Spark (Ethereum)DeFi | USDT | BTC (WBTC) | 4.21% | 77% | 78% | variable |
| on-chain Spark Pool (PublicNode RPC) · 2026-10-31 15:16 KST | ||||||
| Spark (Ethereum)DeFi | USDT | BTC (cbBTC) | 4.21% | 81% | 82% | variable |
| on-chain Spark Pool (PublicNode RPC) · 2026-10-31 15:16 KST | ||||||
| Spark (Ethereum)DeFi | USDT | ETH (WETH) | 4.21% | 85% | 86% | variable |
| on-chain Spark Pool (PublicNode RPC) · 2026-10-31 15:16 KST | ||||||
| Bybit Crypto LoanCeFi | USDC | BTC | 4.32% | 80% | 95% | flexible |
| Bybit public API v5 /crypto-loan · 2026-10-31 15:16 KST · VIP0; hourly rate × 8760. | ||||||
| Bybit Crypto LoanCeFi | USDC | ETH | 4.32% | 80% | 95% | flexible |
| Bybit public API v5 /crypto-loan · 2026-10-31 15:16 KST · VIP0; hourly rate × 8760. | ||||||
| Bybit Crypto LoanCeFi | USDT | BTC | 4.33% | 80% | 95% | flexible |
| Bybit public API v5 /crypto-loan · 2026-10-31 15:16 KST · VIP0; hourly rate × 8760. | ||||||
| Bybit Crypto LoanCeFi | USDT | ETH | 4.33% | 80% | 95% | flexible |
| Bybit public API v5 /crypto-loan · 2026-10-31 15:16 KST · VIP0; hourly rate × 8760. | ||||||
| OKX margin borrowCeFi | USDC | BTC | 4.50% | – | – | flexible (margin) |
| OKX public API v5 /public/interest-rate-loan-quota · 2026-10-31 15:16 KST · Basic margin borrow rate (daily × 365), VIP0; LTV depends on account mode – not published here. | ||||||
| OKX margin borrowCeFi | USDC | ETH | 4.50% | – | – | flexible (margin) |
| OKX public API v5 /public/interest-rate-loan-quota · 2026-10-31 15:16 KST · Basic margin borrow rate (daily × 365), VIP0; LTV depends on account mode – not published here. | ||||||
| Spark (Ethereum)DeFi | USDC | BTC (WBTC) | 4.66% | 77% | 78% | variable |
| on-chain Spark Pool (PublicNode RPC) · 2026-10-31 15:16 KST | ||||||
| Spark (Ethereum)DeFi | USDC | BTC (cbBTC) | 4.66% | 81% | 82% | variable |
| on-chain Spark Pool (PublicNode RPC) · 2026-10-31 15:16 KST | ||||||
| Spark (Ethereum)DeFi | USDC | ETH (WETH) | 4.66% | 85% | 86% | variable |
| on-chain Spark Pool (PublicNode RPC) · 2026-10-31 15:16 KST | ||||||
| Kamino Lend (Solana)DeFi | USDC | BTC (cbBTC) | 5.55% | 79% | – | variable |
| Kamino official API · 2026-10-31 15:16 KST | ||||||
| Kamino Lend (Solana)DeFi | USDC | BTC (WBTC) | 5.55% | 70% | – | variable |
| Kamino official API · 2026-10-31 15:16 KST | ||||||
| Kamino Lend (Solana)DeFi | USDC | ETH | 5.55% | 75% | – | variable |
| Kamino official API · 2026-10-31 15:16 KST | ||||||
| Kamino Lend (Solana)DeFi | USDC | SOL | 5.55% | 74% | – | variable |
| Kamino official API · 2026-10-31 15:16 KST | ||||||
| Compound v3 (Ethereum)DeFi | USDC | BTC (WBTC) | 5.71% | 80% | 85% | variable |
| on-chain Comet (PublicNode RPC) · 2026-10-31 15:16 KST | ||||||
| Compound v3 (Ethereum)DeFi | USDC | ETH (WETH) | 5.71% | 82% | 88% | variable |
| on-chain Comet (PublicNode RPC) · 2026-10-31 15:16 KST | ||||||
| Compound v3 (Ethereum)DeFi | USDC | BTC (cbBTC) | 5.71% | 80% | 85% | variable |
| on-chain Comet (PublicNode RPC) · 2026-10-31 15:16 KST | ||||||
| Kamino Lend (Solana)DeFi | USDT | BTC (cbBTC) | 5.91% | 79% | – | variable |
| Kamino official API · 2026-10-31 15:16 KST | ||||||
| Kamino Lend (Solana)DeFi | USDT | BTC (WBTC) | 5.91% | 70% | – | variable |
| Kamino official API · 2026-10-31 15:16 KST | ||||||
| Kamino Lend (Solana)DeFi | USDT | ETH | 5.91% | 75% | – | variable |
| Kamino official API · 2026-10-31 15:16 KST | ||||||
| Kamino Lend (Solana)DeFi | USDT | SOL | 5.91% | 74% | – | variable |
| Kamino official API · 2026-10-31 15:16 KST | ||||||
| OKX margin borrowCeFi | USDT | BTC | 6.40% | – | – | flexible (margin) |
| OKX public API v5 /public/interest-rate-loan-quota · 2026-10-31 15:16 KST · Basic margin borrow rate (daily × 365), VIP0; LTV depends on account mode – not published here. | ||||||
| OKX margin borrowCeFi | USDT | ETH | 6.40% | – | – | flexible (margin) |
| OKX public API v5 /public/interest-rate-loan-quota · 2026-10-31 15:16 KST · Basic margin borrow rate (daily × 365), VIP0; LTV depends on account mode – not published here. | ||||||
| Aave v3 (Ethereum)DeFi | USDC | BTC (WBTC) | 6.45% | 81% | 85% | variable |
| Aave official API · 2026-10-31 15:16 KST | ||||||
| Aave v3 (Ethereum)DeFi | USDC | BTC (cbBTC) | 6.45% | 81% | 85% | variable |
| Aave official API · 2026-10-31 15:16 KST | ||||||
| Aave v3 (Ethereum)DeFi | USDC | ETH (WETH) | 6.45% | 81% | 84% | variable |
| Aave official API · 2026-10-31 15:16 KST | ||||||
| MorphoDeFi | USDC | ETH (wstETH) | 6.59% | 86% | 86% | variable |
| Morpho official API · 2026-10-31 15:16 KST · Morpho has one LLTV: borrowing up to it means liquidation. | ||||||
| MorphoDeFi | USDC | BTC (cbBTC) | 6.61% | 86% | 86% | variable |
| Morpho official API · 2026-10-31 15:16 KST · Morpho has one LLTV: borrowing up to it means liquidation. | ||||||
| MorphoDeFi | USDC | ETH (weETH) | 6.61% | 86% | 86% | variable |
| Morpho official API · 2026-10-31 15:16 KST · Morpho has one LLTV: borrowing up to it means liquidation. | ||||||
| MorphoDeFi | USDC | BTC (WBTC) | 6.70% | 86% | 86% | variable |
| Morpho official API · 2026-10-31 15:16 KST · Morpho has one LLTV: borrowing up to it means liquidation. | ||||||
| Compound v3 (Ethereum)DeFi | USDT | BTC (WBTC) | 6.92% | 80% | 85% | variable |
| on-chain Comet (PublicNode RPC) · 2026-10-31 15:16 KST | ||||||
| Compound v3 (Ethereum)DeFi | USDT | ETH (WETH) | 6.92% | 83% | 88% | variable |
| on-chain Comet (PublicNode RPC) · 2026-10-31 15:16 KST | ||||||
| Compound v3 (Ethereum)DeFi | USDT | BTC (cbBTC) | 6.92% | 80% | 85% | variable |
| on-chain Comet (PublicNode RPC) · 2026-10-31 15:16 KST | ||||||
| Aave v3 (Ethereum)DeFi | USDT | BTC (WBTC) | 7.06% | 81% | 85% | variable |
| Aave official API · 2026-10-31 15:16 KST | ||||||
| Aave v3 (Ethereum)DeFi | USDT | BTC (cbBTC) | 7.06% | 81% | 85% | variable |
| Aave official API · 2026-10-31 15:16 KST | ||||||
| Aave v3 (Ethereum)DeFi | USDT | ETH (WETH) | 7.06% | 81% | 84% | variable |
| Aave official API · 2026-10-31 15:16 KST | ||||||
ℹ️ 说明与注意
DeFi浮动利率随利用率变化；CeFi按公开的最低VIP等级。用户自定利率的Liquity类协议未覆盖。
CeFi利率来自各交易所理财页面使用的公开（无需登录）数据或官方公开API；DeFi来自协议官方API或链上读取（PublicNode RPC）。失败的数据源显示为不可用，绝不估算。
仅为数据，非投资建议。CeFi存款承担交易所信用风险；DeFi有智能合约与脱锚风险。存入前请查看平台页面。
数据源状态
- ✅ Binance Simple Earn – 正常 2026-10-31 15:16 KST
- ✅ Bybit Earn – 正常 2026-10-31 15:16 KST
- ✅ OKX Simple Earn – 正常 2026-10-31 15:16 KST
- ✅ Bitget Savings – 正常 2026-10-31 15:16 KST
- ✅ Gate Simple Earn – 正常 2026-10-31 15:16 KST
- ✅ MEXC Savings – 正常 2026-10-31 15:16 KST
- ✅ Aave v3 – 正常 2026-10-31 15:16 KST
- ✅ Compound v3 – 正常 2026-10-31 15:16 KST
- ✅ Spark – 正常 2026-10-31 15:16 KST
- ✅ Sky sUSDS – 正常 2026-10-31 15:16 KST
- ✅ Ethena sUSDe – 正常 2026-10-31 15:16 KST
- ✅ Morpho – 正常 2026-10-31 15:16 KST
- ✅ Kamino – 正常 2026-10-31 15:16 KST
- ✅ Bybit Crypto Loan – 正常 2026-10-31 15:16 KST
- ✅ Bitget Crypto Loan – 正常 2026-10-31 15:16 KST
- ✅ OKX margin borrow – 正常 2026-10-31 15:16 KST
不支持的平台（无公开API）– 并非故障
- · KuCoin Earn – 不支持（无公开API）: Earn product list needs a signed API key; web page data endpoint not public (400/404) – not used.
- · HTX Earn – 不支持（无公开API）: No public unauthenticated earn product endpoint found (404) – not used.
- · Binance Flexible Loan – 不支持（无公开API）: Loan rate API (/sapi/v2/loan/flexible/loanable/data) requires an API key – not used.
- · OKX Flexible Loan – 不支持（无公开API）: Flexible-loan endpoints return 401 without a key – OKX margin basic rate shown instead.
- · Nexo – 不支持（无公开API）: No public JSON rate endpoint – not used.
- · Liquity v2 (BOLD) – 不支持（无公开API）: User-set interest rates per trove; no single market rate – not covered yet.
更新 2026-10-31 15:16 KST
仅供参考，不构成投资建议。数据可能延迟或不准确。 完整免责声明 → 数据来源：金融监督院 OpenDART；股价：韩国金融委员会官方前一交易日收盘价（公共数据门户）及FinanceData/marcap历史数据；指数：FinanceDataReader；汇率：欧洲央行参考汇率；加密资产：Upbit、Bithumb、Binance公开API。
市场数据未经许可不得转分发。
© Crypvu · 加密市场视图
市场数据未经许可不得转分发。
© Crypvu · 加密市场视图