YZM / AUSD on Monad
A Morpho market on Monad where people borrow AUSD against YZM. A loan can be liquidated once it reaches 91.5% of the collateral's value. Lenders earn 5.28% a year and borrowers pay 5.81% right now.
Data from Morpho's API · updated
Borrow APY
5.81%
30-day average 5.40%
Supply APY
5.28%
30-day average 4.99%
Supplied
$1.05M
1.05M AUSD
Borrowed
$958K
91.1% utilization
Available to borrow
$94.0K
free liquidity right now
Collateral posted
$1.18M
1.11M YZM
YZM / AUSD rate history
Average supply and borrow APY for each day
Borrow APY Supply APY
| Day | Supply APY | Borrow APY | Utilization |
|---|
Utilization
YZM / AUSD 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 4.38% 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 YZM collateral could be liquidated if its price fell by each amount
Based on today's loans and today's YZM price in AUSD. 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 |
| YZM price in AUSD | 1.06 AUSD |
| Oracle | ChainlinkOracleV20xd062…3584 |
| Price feeds | 0x3a2c…E2cB |
| Market fee | Noneshare of interest taken by the protocol |
Details
| Loan asset | AUSDprice $0.9999 |
|---|---|
| Collateral | YZMprice $1.0565 |
| Borrowers | 6 |
| Created | July 16, 2026 |
| Market ID | 0xeea9a8f0…4e2098 |
| Rate model | 0x0947…400F |
| YZM token | 0x3a2c…E2cB |
| AUSD token | 0x0000…012a |
Vaults lending here
$1.05M of the $1.05M supplied comes from these vaults
| Vault | Lent here |
|---|---|
| Clearstar Accountable AUSDV2lends directly | $1.05M |
Largest borrowers
6 open loans in this market
| Address | Borrowed | Health |
|---|---|---|
| 0x9f09…f363 | $359K | 1.02 |
| 0xA960…B95B | $336K | 1.11 |
| 0x10c8…5A25 | $214K | 1.27 |
| 0xEDb7…374B | $20.6K | 1.64 |
| 0x022f…A54E | $18.0K | 1.22 |
| 0x1234…B5df | $10.5K | 1.02 |
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 YZM / AUSD market
The YZM / AUSD market on Monad was created on July 16, 2026. Anyone can lend AUSD into it, and anyone holding YZM can borrow that AUSD 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 $1.05M is supplied and $958K borrowed, so 91.1% of the market is in use, backed by $1.18M of YZM from 6 borrowers. Borrowers pay 5.81% a year, 5.40% on average over the last 30 days. Lenders earn 5.28%.
1 listed vault lends here, providing $1.05M of the supply; the largest is Clearstar Accountable AUSD. Liquidators who close an unsafe loan here receive a 2.62% bonus in YZM. If YZM fell 20% against AUSD, about $843K of collateral would be at risk of liquidation.
YZM / AUSD on Monad: quick answers
What is the AUSD borrow rate against YZM on Morpho Monad?
In this market it is 5.81% a year right now, and it averaged 5.40% over the last 30 days. The rate is variable: it follows how much of the market's AUSD is borrowed, rising quickly above 90%.
When is a YZM / AUSD 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 YZM worth 2.62% more than it repaid. For example, a loan of half the collateral's value today would be liquidated if YZM fell to about 0.577 AUSD.
How much AUSD can be borrowed here right now?
$94.0K is free in the market. Borrowing more than that would have to wait for repayments or new lenders.
What do lenders earn in the YZM / AUSD market?
Lenders earn 5.28% a year right now (4.99% averaged over 30 days). Most lend through vaults, such as Clearstar Accountable AUSD, which spread deposits across several markets.