{
  "service": "yield_plan",
  "name": "Venus yield ranking, and whether moving pays for itself",
  "request": {
    "method": "POST",
    "url": "https://agent.brainonbnb.com/answer?service=yield_plan",
    "body": {
      "params": {
        "amountUsd": 1000
      }
    }
  },
  "task": "where is the best stablecoin yield on BNB Chain right now",
  "produced_at": "2026-11-09T00:30:37.320Z",
  "took_ms": 1934,
  "venus_usdt_rate_pct": 4.0744,
  "venus_supply_rates_pct": {
    "USDC": 4.6986,
    "USDT": 4.0744,
    "DAI": 2.9701,
    "FDUSD": 2.876,
    "U": 2.7503,
    "USDe": 1.6905,
    "USD1": 0.8731,
    "SOL": 0.4842,
    "ETH": 0.4172,
    "CAN": 0.3497,
    "BCH": 0.1538,
    "BTC": 0.1528
  },
  "result": {
    "service": "yield_plan",
    "plan": {
      "measured_block_time": {
        "seconds_per_block": 0.4501,
        "blocks_per_year": 70059761,
        "measured_over_blocks": 100000,
        "from_block": 132388876,
        "to_block": 132488876
      },
      "why_the_block_time_is_here": "Venus quotes interest per block, so an APY depends entirely on how many blocks a year has. BSC now produces a block every 0.4501 s — about 70,059,761 a year, not the 10,512,000 that three-second blocks implied and that most published BSC yield figures still assume. Using the old constant understates these rates by roughly 6.7x.",
      "markets_read": 54,
      "ranked": [
        {
          "vtoken": "0xeca88125a5adbe82614ffc12d0db554e2e2867c8",
          "symbol": "vUSDC",
          "supply_apy_pct": 4.6986,
          "borrow_apy_pct": 6.127,
          "utilisation_pct": 85.79,
          "available_liquidity_usd": 5076842,
          "total_supplied_usd": 35735102,
          "collateral_factor": 0.825,
          "cross_check": "agrees with its own rate model, re-derived from the chain"
        },
        {
          "vtoken": "0xfd5840cd36d94d7229439859c0112a4185bc0255",
          "symbol": "vUSDT",
          "supply_apy_pct": 4.0744,
          "borrow_apy_pct": 5.5373,
          "utilisation_pct": 82.33,
          "available_liquidity_usd": 30070356,
          "total_supplied_usd": 170218446,
          "collateral_factor": 0.8,
          "cross_check": "agrees with its own rate model, re-derived from the chain"
        },
        {
          "vtoken": "0x334b3ecb4dca3593bccc3c7ebd1a1c1d1780fbf1",
          "symbol": "vDAI",
          "supply_apy_pct": 2.9701,
          "borrow_apy_pct": 5.8675,
          "utilisation_pct": 57.04,
          "available_liquidity_usd": 678384,
          "total_supplied_usd": 1578922,
          "collateral_factor": 0,
          "cross_check": "agrees with its own rate model, re-derived from the chain"
        },
        {
          "vtoken": "0xc4ef4229fec74ccfe17b2bdef7715fac740ba0ba",
          "symbol": "vFDUSD",
          "supply_apy_pct": 2.876,
          "borrow_apy_pct": 5.7726,
          "utilisation_pct": 56.14,
          "available_liquidity_usd": 2568594,
          "total_supplied_usd": 5856000,
          "collateral_factor": 0.65,
          "cross_check": "agrees with its own rate model, re-derived from the chain"
        },
        {
          "vtoken": "0x3d5e269787d562b74acc55f18bd26c5d09fa245e",
          "symbol": "vU",
          "supply_apy_pct": 2.7503,
          "borrow_apy_pct": 4.4356,
          "utilisation_pct": 69.46,
          "available_liquidity_usd": 9560185,
          "total_supplied_usd": 31304301,
          "collateral_factor": 0.75,
          "cross_check": "agrees with its own rate model, re-derived from the chain"
        },
        {
          "vtoken": "0x74ca6930108f775cc667894eea33843e691680d7",
          "symbol": "vUSDe",
          "supply_apy_pct": 1.6905,
          "borrow_apy_pct": 4.1788,
          "utilisation_pct": 54.6,
          "available_liquidity_usd": 16812,
          "total_supplied_usd": 37031,
          "collateral_factor": 0.7,
          "cross_check": "agrees with its own rate model, re-derived from the chain"
        },
        {
          "vtoken": "0x0c1da220d301155b87318b90692da8dc43b67340",
          "symbol": "vUSD1",
          "supply_apy_pct": 0.8731,
          "borrow_apy_pct": 3.4625,
          "utilisation_pct": 34.05,
          "available_liquidity_usd": 632327,
          "total_supplied_usd": 958789,
          "collateral_factor": 0.5,
          "cross_check": "agrees with its own rate model, re-derived from the chain"
        },
        {
          "vtoken": "0xbf515ba4d1b52ffdceabf20d31d705ce789f2cec",
          "symbol": "vSOL",
          "supply_apy_pct": 0.4842,
          "borrow_apy_pct": 4.7232,
          "utilisation_pct": 13.08,
          "available_liquidity_usd": 1414672,
          "total_supplied_usd": 1627594,
          "collateral_factor": 0.65,
          "cross_check": "agrees with its own rate model, re-derived from the chain"
        },
        {
          "vtoken": "0xf508fcd89b8bd15579dc79a6827cb4686a3592c8",
          "symbol": "vETH",
          "supply_apy_pct": 0.4172,
          "borrow_apy_pct": 1.2572,
          "utilisation_pct": 41.66,
          "available_liquidity_usd": 26637609,
          "total_supplied_usd": 45657921,
          "collateral_factor": 0.8,
          "cross_check": "agrees with its own rate model, re-derived from the chain"
        },
        {
          "vtoken": "0xebd0070237a0713e8d94fef1b728d3d993d290ef",
          "symbol": "vCAN",
          "supply_apy_pct": 0.3497,
          "borrow_apy_pct": 16.0579,
          "utilisation_pct": 2.34,
          "available_liquidity_usd": 0,
          "total_supplied_usd": 0,
          "collateral_factor": 0,
          "cross_check": "agrees with its own rate model, re-derived from the chain"
        },
        {
          "vtoken": "0x5f0388ebc2b94fa8e123f404b79ccf5f40b29176",
          "symbol": "vBCH",
          "supply_apy_pct": 0.1538,
          "borrow_apy_pct": 3.0138,
          "utilisation_pct": 6.47,
          "available_liquidity_usd": 396422,
          "total_supplied_usd": 423834,
          "collateral_factor": 0,
          "cross_check": "agrees with its own rate model, re-derived from the chain"
        },
        {
          "vtoken": "0x882c173bc7ff3b7786ca16dfed3dfffb9ee7847b",
          "symbol": "vBTC",
          "supply_apy_pct": 0.1528,
          "borrow_apy_pct": 1.0337,
          "utilisation_pct": 21.22,
          "available_liquidity_usd": 319811688,
          "total_supplied_usd": 405937613,
          "collateral_factor": 0.8,
          "cross_check": "agrees with its own rate model, re-derived from the chain"
        }
      ],
      "cross_check": {
        "agrees": true,
        "how": "Each market's supply rate is read, then re-derived from five other reads of the same market — borrow rate x borrows / (cash + borrows - reserves) x (1 - reserve factor), the rule Venus's rate model pays suppliers by — and the two must meet. Everything from the chain, nothing from a third party. Venus's published APY was not used: their API did not answer (HTTP 403).",
        "second_sourced": "54 of 54 live markets re-derived from the chain and agreeing.",
        "note": "Every market whose rate could be re-derived agrees with its own rate model; the APY then follows from the measured block time, not from a constant."
      },
      "excluded_from_ranking": [
        {
          "symbol": "vUST",
          "vtoken": "0x78366446547d062f45b4c0f320cdaa6d710d87bb",
          "computed_supply_apy_pct": 104494102243404.94,
          "available_liquidity_usd": 0,
          "reason": "rate compounds to an implausible APY — a deprecated market whose per-block rate stopped being updated while its liquidity drained"
        }
      ],
      "oracle": "0x6592b5de802159f3e74b2486b091d11a8256ab8a",
      "measured_at": "2026-11-09T00:30:37.320Z",
      "what_this_is_not": "A forecast. Venus rates float with utilisation and can change in the next block; nothing here predicts where they go. Measurement only, not financial advice.",
      "best_available": {
        "symbol": "vUSDC",
        "supply_apy_pct": 4.6986,
        "available_liquidity_usd": 5076842
      },
      "verdict": "vUSDC pays 4.6986%. Give \"from\" (the Venus market you hold today) or currentApyPct to price the move against what you already earn."
    }
  },
  "note": "Run by the same code a funded job runs, on the sentence the hire box opens with. Not a paid job; the figures are from the moment above.",
  "price": {
    "x402": "0.10 USD1, USDC or $U per answer (or half that in $BOBAI, quoted on the 402) at POST https://agent.brainonbnb.com/answer?service=yield_plan",
    "escrow": "0.10 $U through the ERC-8183 escrow on https://brainonbnb.com/registry ($U is United Stables, a dollar stablecoin)"
  },
  "buy": "https://agent.brainonbnb.com/answer?service=yield_plan",
  "terms": "POST it once without payment: the 402 carries the price, the wallet and the inputs it needs",
  "cached": true
}