PT-earnAUSD-8OCT2026 / USDC on Monad
A Morpho market on Monad where people borrow USDC against PT-earnAUSD-8OCT2026. A loan can be liquidated once it reaches 91.5% of the collateral's value. Lenders earn 14.27% a year and borrowers pay 15.54% right now.
Data from Morpho's API · updated
Borrow APY
15.54%
30-day average 10.14%
Supply APY
14.27%
30-day average 9.33%
Supplied
$3.12M
3.12M USDC
Borrowed
$2.88M
92.3% utilization
Available to borrow
$239K
free liquidity right now
Collateral posted
$3.32M
3.33M PT-earnAUSD-8OCT2026
PT-earnAUSD-8OCT2026 / USDC rate history
Average supply and borrow APY for each day
Borrow APY Supply APY
| Day | Supply APY | Borrow APY | Utilization |
|---|
Utilization
PT-earnAUSD-8OCT2026 / USDC 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 8.85% 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 PT-earnAUSD-8OCT2026 collateral could be liquidated if its price fell by each amount
Based on today's loans and today's PT-earnAUSD-8OCT2026 price in USDC. Borrowers who repay or add collateral move these numbers every day.
Risk settings
| Liquidation LTV (LLTV) | 91.5%fixed for the life of the market |
|---|---|
| Liquidation bonus | 2.62%extra collateral a liquidator receives |
| PT-earnAUSD-8OCT2026 price in USDC | 0.997 USDC |
| Oracle | ChainlinkOracleV20x7bd5…9977 |
| Price feeds | 0xEcE5…eaBB |
| Market fee | Noneshare of interest taken by the protocol |
Details
| Loan asset | USDCprice $0.9999 |
|---|---|
| Collateral | PT-earnAUSD-8OCT2026price $0.9967 |
| Borrowers | 5 |
| Created | August 17, 2026 |
| Market ID | 0xcd6d902d…8cdf98 |
| Rate model | 0x0947…400F |
| PT-earnAUSD-8OCT2026 token | 0xDaf2…45CD |
| USDC token | 0x7547…b603 |
Vaults lending here
No listed vault lends to this market right now
Largest borrowers
5 open loans in this market
| Address | Borrowed | Health |
|---|---|---|
| 0xb00F…F58d | $2.62M | 1.05 |
| 0x657b…3055 | $193K | 1.05 |
| 0x7BEd…b29b | $62.3K | 1.06 |
| 0x7a60…c9B1 | $10.9K | 1.05 |
| 0x572c…0D5D | $0 | – |
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 PT-earnAUSD-8OCT2026 / USDC market
The PT-earnAUSD-8OCT2026 / USDC market on Monad was created on August 17, 2026. Anyone can lend USDC into it, and anyone holding PT-earnAUSD-8OCT2026 can borrow that USDC against it, up to a loan-to-value of 91.5% (its LLTV), where liquidation starts. Prices come from Chainlink-style price feeds.
Right now $3.12M is supplied and $2.88M borrowed, so 92.3% of the market is in use, backed by $3.32M of PT-earnAUSD-8OCT2026 from 5 borrowers. Borrowers pay 15.54% a year, 10.14% on average over the last 30 days. Lenders earn 14.27%.
No listed vault lends to this market right now, so its supply comes from direct lenders. Liquidators who close an unsafe loan here receive a 2.62% bonus in PT-earnAUSD-8OCT2026. If PT-earnAUSD-8OCT2026 fell 20% against USDC, about $3.32M of collateral would be at risk of liquidation.
PT-earnAUSD-8OCT2026 / USDC on Monad: quick answers
What is the USDC borrow rate against PT-earnAUSD-8OCT2026 on Morpho Monad?
In this market it is 15.54% a year right now, and it averaged 10.14% over the last 30 days. The rate is variable: it follows how much of the market's USDC is borrowed, rising quickly above 90%.
When is a PT-earnAUSD-8OCT2026 / USDC loan liquidated?
When the loan reaches 91.5% of the collateral's value (the market's LLTV). A liquidator then repays part of the debt and takes PT-earnAUSD-8OCT2026 worth 2.62% more than it repaid. For example, a loan of half the collateral's value today would be liquidated if PT-earnAUSD-8OCT2026 fell to about 0.545 USDC.
How much USDC can be borrowed here right now?
$239K is free in the market. Borrowing more than that would have to wait for repayments or new lenders.
What do lenders earn in the PT-earnAUSD-8OCT2026 / USDC market?
Lenders earn 14.27% a year right now (9.33% averaged over 30 days). Most lend through vaults, which spread deposits across several markets.
Does the PT-earnAUSD-8OCT2026 / USDC market have any warnings?
Morpho's app flags: unrecognized collateral.