Moonwell Lending · Moonbeam

XCDOT

Overview

The Moonwell Lending XCDOT pool on Moonbeam is a single-asset lending position where suppliers earn variable interest on DOT deposits. The protocol generates yield by routing borrowing demand against pooled liquidity and paying lenders from the resulting interest spread. Total APY of 3.39% comes from base lending plus an additional reward layer. Over the past seven days, the rate has declined by 0.14%, while over the past thirty days, it has increased by 0.04%. This places the current rate above the 30-day mean of 3.75%. TVL stands at $1.25M with no reported change in the last seven days. The primary risk is smart-contract exposure for this lending pool. Utilisation on this pool remains within typical ranges for the asset and protocol category.

Composed 2026-05-20 from the structured data above. See methodology for the full pipeline.

Risk profile

• Smart contract risk

  Funds are deposited into a smart contract. A bug or exploit in the contract could lead to total loss. Audits reduce, but do not eliminate, this risk. Check the protocol page for audit history.

• Yield variability

  Current APY is 0.01%; 30-day mean is 0.33%. Yields can change as TVL and incentive emissions change.

• DefiLlama yield prediction

  DefiLlama's model classifies this pool's yield as "Stable/Up" with 90% confidence based on historical patterns.

These notes are derived from the pool's structured data, not editorial advice. See our methodology.