DAI
HOLD · 60%Sparklend · Ethereum · Stablecoin · Informational — not executable
new capital
keep position
urgency to leave
The differentiator is a DAI-only Ethereum lending market whose current yield comes from base interest rather than rewards. It yields 2.3% on $103.10M of liquidity, and WealthVille's AI verdict is HOLD with 60% confidence.
Computed 2026-07-21 10:02 UTC from on-chain yield, liquidity-depth, and risk signals. Not financial advice.
Liquidityhelp
lock$103.10M
Total value locked
$0.00
24h volume
Yieldhelp
trending_up2.3%
total APYBase yield — no reward emissions
≈ 2.3%
adjusted · trailing 7d base (est.)
Deposit
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The differentiator is a DAI-only Ethereum lending market whose current yield comes from base interest rather than rewards. It yields 2.3% on $103.10M of liquidity, and WealthVille's AI verdict is HOLD with 60% confidence.
History
30d Low
$100.04M
Latest
$103.10M
30d High
$103.31M
Daily snapshots · data via DefiLlama
Performance
Efficiency & Flow
Pool Analysis
Yield breakdown
The displayed yield consists of 2.3% in base lending interest and — in rewards. Base interest is variable and depends on borrowing demand and utilization, while the current reward component contributes nothing; any future incentives would depend on emissions, governance, and program continuation rather than the lending market's underlying interest income.
Risk profile
Utilization risk is central: high borrowing demand can increase the variable rate but also reduce immediately available liquidity, while low utilization can compress supply yield. Liquidation risk primarily affects borrowers whose collateral falls below required thresholds, although lenders can face delayed withdrawals or bad debt if liquidations fail or collateral is insufficient. Ethereum gas costs can materially reduce returns on small positions, and this page is informational only; WealthVille executes on Solana, not EVM.
Assets
DAI is the supplied stablecoin and the unit in which the position and interest are generally denominated, with liquidity tied to its secondary-market depth and ability to maintain its dollar peg. DAI price movement away from the peg changes the position's value relative to dollars or other assets, even if the nominal DAI balance continues accruing interest.
Strategy note
Before entry, compare the expected interest over your holding period with Ethereum gas for both deposit and withdrawal, then set a utilization or available-liquidity threshold that triggers a review or exit if withdrawals become less practical.
In plain English
You lend DAI to borrowers through sparklend and receive interest in return. The rate can change, and high borrowing activity may make withdrawals harder; Ethereum transaction fees can also outweigh the yield on a small deposit.
Why this verdict
- • ai_engine=hold
Frequently asked questions
How does lending DAI on sparklend work?
You supply DAI to sparklend's Ethereum lending market, where borrowers use liquidity and pay interest to suppliers. The current displayed supply yield is 2.3%, composed of 2.3% base interest and — rewards.
What is the liquidation risk for this market?
Liquidations apply mainly to borrowers whose collateral no longer supports their DAI debt, rather than directly to unborrowed DAI suppliers. Suppliers can still be exposed to withdrawal constraints or bad debt if collateral auctions do not fully cover obligations, particularly when utilization is high.
Is the supply APY on DAI fixed or variable?
It is variable, not fixed. It changes with borrowing demand and utilization; 2.3% is the current displayed rate, with 2.3% from lending interest and — from incentives.
How much of the yield comes from incentives vs interest?
The displayed breakdown is 2.3% from base lending interest and — from incentives. Rewards currently contribute no additional yield in this pool, so future reward changes would depend on any new or revised incentive program.
What happens to my position if utilization spikes?
A utilization spike generally raises the variable supply rate, but it can also leave less DAI available for immediate withdrawal and increase dependence on borrower repayments. The displayed 2.3% may therefore change materially as utilization moves.
Token Details
DAI
Ethereum
Pool Details
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Verdict from WealthVille’s multi-signal reconciliation engine. Informational only — not financial advice.
