> ## Documentation Index
> Fetch the complete documentation index at: https://hypernode-docs.polynode.dev/llms.txt
> Use this file to discover all available pages before exploring further.

# Borrow & Lend

> Real-time borrow and supply rates for all lending reserves

## Endpoints

### All reserves

```
GET /v2/borrow-lend/reserves
```

Returns all lending reserve states with current rates, utilization, and balances.

```json theme={null}
[
  [0, {
    "borrowYearlyRate": "0.05",
    "supplyYearlyRate": "0.0137296057",
    "balance": "25479896.6721659414",
    "utilization": "0.3051023496",
    "oraclePx": "1.0",
    "ltv": "0.0",
    "totalSupplied": "36667120.8191452399",
    "totalBorrowed": "11187224.7151357103"
  }]
]
```

| Field              | Description                           |
| ------------------ | ------------------------------------- |
| `borrowYearlyRate` | Annualized borrow APR                 |
| `supplyYearlyRate` | Annualized supply APY                 |
| `balance`          | Available liquidity                   |
| `utilization`      | Fraction of supply currently borrowed |
| `oraclePx`         | Oracle price of the token             |
| `ltv`              | Loan-to-value ratio                   |
| `totalSupplied`    | Total deposited supply                |
| `totalBorrowed`    | Total outstanding borrows             |

Token 0 = USDC, Token 1452 = USDH. Refreshed every 30 seconds from local node.

### Single reserve

```
GET /v2/borrow-lend/reserve?token={id}
```

### User positions

```
GET /v2/user/borrow-lend?address={wallet}
```

Returns a user's borrow/lend positions and health factor.