NAVI Lending · Sui

XBTC

Overview

The NAVI Lending XBTC pool on Sui is a single-asset lending position where suppliers earn interest on Bitcoin-backed tokens (XBTC). The protocol generates yield by matching borrowers seeking loans against the pooled XBTC liquidity and distributing the resulting interest to lenders.

Total APY stands at 6.52%, comprised of a base rate of 5.20% and an additional reward layer of 1.32%. Over the past week, the APY trended up by 4.86%, while over the last month it increased by 5.12%, placing current rates well above the 30-day mean of 2.13%.

TVL is $2.12M with no recent change noted; primary exposure here is smart-contract risk due to the protocol's reliance on NAVI Lending's technology. The pool operates within a typical range for lending utilization, balancing borrower demand and available liquidity effectively.

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 1.50%; 30-day mean is 1.59%. Yields can change as TVL and incentive emissions change.

• DefiLlama yield prediction

  DefiLlama's model classifies this pool's yield as "Stable/Up" with 69% confidence based on historical patterns.

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