Rate Comparison

Find the absolute best rates across all protocols with comprehensive, real-time rate analysis and historical trends. Located at https://app.ratehopper.ai/historical-rates.

What is Rate Comparison?

A powerful tool that shows you exactly where the best rates are for any asset across all supported protocols, updated in real-time.

How It Works

Real-Time Rate Feed

Live data from blockchain:

  • We checkpoint every minute

  • Direct from protocol smart contracts

Key Features

1. Multi-Protocol Comparison

See all protocols side-by-side:

  • Current APY/APR for each

  • Rate trends (up, down, stable)

  • Total Value Locked (TVL)

  • Market share

  • Utilization rates

Why it matters: Know instantly which protocol offers the best rate without visiting multiple websites.

2. Historical Rate Charts

Visualize rate trends over time:

Time Ranges:

  • Last 24 hours

  • Last 7 days

  • Last 30 days

  • Last 90 days

  • All time

Chart Features:

  • Line charts for each protocol

  • Overlay multiple protocols

  • Zoom and pan

  • Export data

  • Moving averages

Example Insights:

3. Moving Averages

Smooth out noise and see true trends:

Available MAs:

  • 1 Hour MA

  • 1 Day MA

  • 7 Day MA

  • 14 Day MA

  • 30 Day MA

  • 60 Day MA

  • 90 Day MA

How to use:

  • Short MAs (1h, 1d) - Quick changes

  • Medium MAs (7d, 14d) - Weekly trends

  • Long MAs (30d, 60d, 90d) - Overall direction

Example:

4. Protocol Statistics

Deep dive into protocol metrics:

For Each Protocol:

  • Total Value Locked (TVL)

  • Utilization Rate

  • Available Liquidity

  • Number of Depositors

  • Protocol Age

  • Security Score

Example:

Using Rate Comparison

Finding Best Rates

Step 1: Select Asset

  • Choose from supported assets

  • Popular: USDC, USDT, ETH, WBTC

  • Or search for specific token

Step 2: View Comparison

  • See all protocols ranked

  • Best rate highlighted

  • Compare side-by-side

Step 3: Analyze Trends

  • Check historical charts

  • Look at moving averages

  • Understand stability

Step 4: Make Decision

  • Best rate today?

  • Most stable protocol?

  • Highest TVL for safety?

  • Balance rate vs. risk

Understanding the Data

APY vs APR

APY (Annual Percentage Yield):

  • Includes compounding

  • Assumes interest reinvested

  • Higher than APR

  • More accurate for lending

APR (Annual Percentage Rate):

  • Simple interest only

  • No compounding assumed

  • Lower than APY

  • More common for borrowing

Example:

Rate Volatility

How much rates fluctuate:

Low Volatility (Good for stability):

  • Rates stay within 0.2% range

  • Predictable returns

  • Less need to switch

  • Example: Aave USDC usually 5.2-5.6%

High Volatility (More risk/reward):

  • Rates swing 1%+ frequently

  • Unpredictable

  • More opportunities to optimize

  • Requires active management

How we calculate:

Utilization Rate

How much of available supply is borrowed:

Formula:

What it means:

  • High Utilization (>80%):

    • Higher lending rates

    • Lower available liquidity

    • May be hard to withdraw large amounts

  • Low Utilization (<50%):

    • Lower lending rates

    • Plenty of liquidity

    • Easy to withdraw anytime

Optimal Range: 60-80%

  • Good balance

  • Healthy market

  • Sustainable rates

Comparing Across Assets

Asset Class Comparison

Stablecoins (USDC, USDT, DAI):

  • Similar rates usually

  • 4-6% typical range

  • Lower volatility

  • Safest option

Blue Chip (ETH, WBTC):

  • Lower rates (2-4%)

  • Price appreciation potential

  • Medium volatility

  • Popular choice

Volatile Assets:

  • Variable rates

  • Higher risk

  • Price risk > rate benefit

  • For advanced users

Next Steps

Master rate comparison:

Start comparing now → View live rates

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