XAUE / XAUt on Ethereum
A Morpho market on Ethereum where people borrow XAUt against XAUE. A loan can be liquidated once it reaches 77% of the collateral's value. Lenders earn 1.43% a year and borrowers pay 1.51% right now.
Data from Morpho's API · updated
Borrow APY
1.51%
30-day average 0.98%
Supply APY
1.43%
30-day average 0.80%
Supplied
$71.6K
16.72 XAUt
Borrowed
$67.5K
94.4% utilization
Available to borrow
$4.0K
free liquidity right now
Collateral posted
$102K
23.59K XAUE
XAUE / XAUt rate history
Average supply and borrow APY for each day
Borrow APY Supply APY
| Day | Supply APY | Borrow APY | Utilization |
|---|
Utilization
XAUE / XAUt interest rate curve
What borrowers would pay at each utilization level, with today's settings
Borrow APY Supply APY
At the 90% target, borrowers pay 0.66% right now. Below it the rate falls to as little as a quarter of that; above it, it climbs to four times that when the market is fully borrowed. The curve itself also moves: while utilization stays above 90% the whole curve drifts up, and below 90% it drifts down. How Morpho interest rates work.
Liquidation map
How much XAUE collateral could be liquidated if its price fell by each amount
Based on today's loans and today's XAUE price in XAUt. Borrowers who repay or add collateral move these numbers every day.
Risk settings
| Liquidation LTV (LLTV) | 77%fixed for the life of the market |
|---|---|
| Liquidation bonus | 7.41%extra collateral a liquidator receives |
| XAUE price in XAUt | 0.00101 XAUt |
| Oracle | ChainlinkOracleV20xEE13…55e6 |
| Price feeds | 0x5fef…Dbfd |
| Market fee | Noneshare of interest taken by the protocol |
Details
| Loan asset | XAUtprice $4.3K |
|---|---|
| Collateral | XAUEprice $4.3219 |
| Borrowers | 1 |
| Created | July 15, 2026 |
| Market ID | 0xf94a9977…da0e8d |
| Rate model | 0x870a…00BC |
| XAUE token | 0xd5D6…F87a |
| XAUt token | 0x6874…2F38 |
Vaults lending here
$7.4K of the $71.6K supplied comes from these vaults
| Vault | Lent here |
|---|---|
| Touchstone XAUTV2lends directly | $7.4K |
Largest borrowers
1 open loans in this market
| Address | Borrowed | Health |
|---|---|---|
| 0x2e84…60D9 | $67.5K | 1.16 |
Health is collateral value times the LLTV, divided by the debt. Below 1.00 a loan can be liquidated.
Recent liquidations here
None recorded in the last 90 days
About the XAUE / XAUt market
The XAUE / XAUt market on Ethereum was created on July 15, 2026. Anyone can lend XAUt into it, and anyone holding XAUE can borrow that XAUt against it, up to a loan-to-value of 77% (its LLTV), where liquidation starts. Prices come from Chainlink-style price feeds.
Right now $71.6K is supplied and $67.5K borrowed, so 94.4% of the market is in use, backed by $102K of XAUE from 1 borrowers. Borrowers pay 1.51% a year, 0.98% on average over the last 30 days. Lenders earn 1.43%.
1 listed vault lends here, providing $7.4K of the supply; the largest is Touchstone XAUT. Liquidators who close an unsafe loan here receive a 7.41% bonus in XAUE. If XAUE fell 20% against XAUt, about $102K of collateral would be at risk of liquidation.
XAUE / XAUt on Ethereum: quick answers
What is the XAUt borrow rate against XAUE on Morpho Ethereum?
In this market it is 1.51% a year right now, and it averaged 0.98% over the last 30 days. The rate is variable: it follows how much of the market's XAUt is borrowed, rising quickly above 90%.
When is a XAUE / XAUt loan liquidated?
When the loan reaches 77% of the collateral's value (the market's LLTV). A liquidator then repays part of the debt and takes XAUE worth 7.41% more than it repaid. For example, a loan of half the collateral's value today would be liquidated if XAUE fell to about 0.000656 XAUt.
How much XAUt can be borrowed here right now?
$4.0K is free in the market. Borrowing more than that would have to wait for repayments or new lenders.
What do lenders earn in the XAUE / XAUt market?
Lenders earn 1.43% a year right now (0.80% averaged over 30 days). Most lend through vaults, such as Touchstone XAUT, which spread deposits across several markets.