MetaLend

MetaLend is a DeFi "earn and spend" platform that aggregates lending pools across protocols (Aave, Morpho, Euler) and chains (Base, Ethereum, Polygon, Arbitrum, Linea) behind a single cross-chain Rebalancing API. It continuously repositions user-approved, self-custodied capital into the best-yielding pools while keeping funds instantly spendable via a debit card. The API is notably agent-native: it serves an AI agent flow guide at GET /SKILL.md, ships SIWE challenge/verify JWT auth with EIP-191/EIP-712/EIP-3009 wallet signing, and gates its services directory behind an x402 (HTTP 402) micropayment in USDC on Base. Smart contracts are audited by Sherlock. Backed by Pantera Capital.

MetaLend publishes 10 APIs on the APIs.io network, including AI Agent Guide API, Auth API, Balances API, and 7 more. Tagged areas include Company, Crypto, DeFi, Lending, and Yield.

MetaLend’s developer surface includes authentication, sandbox, documentation, API reference, getting-started guide, pricing, support, and 20 more developer resources.

🌐 Visit website 📡 Source on GitHub

52.1/100 developing ▬ flat Agent 37/100 agent ready saas Full breakdown ↓
scored 2026-08-30 · rubric v0.17.2

AccessSelf serve

1 APIs 1 MCP Servers

Company Crypto DeFi Lending Yield Rebalancing Web3 Stablecoins PaymentsAgent NativeBlockchain

Kin Score

Kin Score How this is scored →
scored 2026-08-30 · rubric v0.17.2

Composite quality — 52.1/100 · developing

Contract Quality 12.5 / 21

Developer Ergonomics 12.1 / 17

Access Clarity 8.9 / 17

Operational Transparency 0.6 / 11

Contract Governance 1.9 / 10

Discoverability 6.5 / 9

Regulatory Posture 7.0 / 15

Agent readiness — 37/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Surface 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/metalend: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 10

Individual APIs this provider publishes, each with its own machine-readable definition.

Open Collections 11

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Get Started 4

Portal, sign-up, and the first successful call

Sandbox

DeveloperPortal

GettingStarted

SignUp

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgentSkill

MCPServer

LLMsTxt

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

ErrorCatalog

Conventions

Lifecycle

Conformance

DataModel

Access & Security 3

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

Compliance

Compliance

Operate 2

Status, limits, changes, and where to get help

Roadmap

Roadmap

Support

Support

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Blog

Blog

Twitter

Twitter

Website

Website

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: metalend
name: MetaLend
description: 'MetaLend is a DeFi "earn and spend" platform that aggregates lending pools across protocols (Aave, Morpho, Euler)
  and chains (Base, Ethereum, Polygon, Arbitrum, Linea) behind a single cross-chain Rebalancing API. It continuously repositions
  user-approved, self-custodied capital into the best-yielding pools while keeping funds instantly spendable via a debit card.
  The API is notably agent-native: it serves an AI agent flow guide at GET /SKILL.md, ships SIWE challenge/verify JWT auth
  with EIP-191/EIP-712/EIP-3009 wallet signing, and gates its services directory behind an x402 (HTTP 402) micropayment in
  USDC on Base. Smart contracts are audited by Sherlock. Backed by Pantera Capital.'
url: https://raw.githubusercontent.com/api-evangelist/metalend/refs/heads/main/apis.yml
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://d26nkljutfj8pz.cloudfront.net/images/metalend-share.png
x-type: company
x-source: vc-portfolio
x-backed-by:
- pantera-capital
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Crypto
- DeFi
- Lending
- Yield
- Rebalancing
- Web3
- Stablecoins
- Payments
- Agent Native
- Blockchain
tags_raw:
- Company
- Crypto
- DeFi
- Lending
- Yield
- Rebalancing
- Web3
- Stablecoins
- Payments
- Agent Native
- Blockchain
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- aid: metalend:metalend-ai-agent-guide-api
  name: MetaLend AI Agent Guide API
  description: Machine-readable flow guide for AI agents — signing formats, wizard flows, and integration gotchas
  humanURL: https://developer.metalend.tech
  baseURL: https://api.metalend.tech
  tags:
  - AI Agent Guide
  properties:
  - type: OpenAPI
    url: openapi/metalend-ai-agent-guide-api-openapi.yml
  - type: Authentication
    url: authentication/metalend-authentication.yml
  - type: Documentation
    url: https://metalend-inc.gitbook.io/litepaper
  - type: APIReference
    url: https://api.metalend.tech/openapi.json
  - type: GettingStarted
    url: https://api.metalend.tech/SKILL.md
- aid: metalend:metalend-auth-api
  name: MetaLend Auth API
  description: Get challenge / verify challenge authentication
  humanURL: https://developer.metalend.tech
  baseURL: https://api.metalend.tech
  tags:
  - Authentication
  tags_raw:
  - Auth
  properties:
  - type: OpenAPI
    url: openapi/metalend-auth-api-openapi.yml
  - type: Authentication
    url: authentication/metalend-authentication.yml
  - type: Documentation
    url: https://metalend-inc.gitbook.io/litepaper
  - type: APIReference
    url: https://api.metalend.tech/openapi.json
  - type: GettingStarted
    url: https://api.metalend.tech/SKILL.md
- aid: metalend:metalend-balances-api
  name: MetaLend Balances API
  description: Balance queries across pools and protocols
  humanURL: https://developer.metalend.tech
  baseURL: https://api.metalend.tech
  tags:
  - Balances
  properties:
  - type: OpenAPI
    url: openapi/metalend-balances-api-openapi.yml
  - type: Authentication
    url: authentication/metalend-authentication.yml
  - type: Documentation
    url: https://metalend-inc.gitbook.io/litepaper
  - type: APIReference
    url: https://api.metalend.tech/openapi.json
  - type: GettingStarted
    url: https://api.metalend.tech/SKILL.md
- aid: metalend:metalend-deposits-api
  name: MetaLend Deposits API
  description: Deposit operations for rebalancing
  humanURL: https://developer.metalend.tech
  baseURL: https://api.metalend.tech
  tags:
  - Deposits
  properties:
  - type: OpenAPI
    url: openapi/metalend-deposits-api-openapi.yml
  - type: Authentication
    url: authentication/metalend-authentication.yml
  - type: Documentation
    url: https://metalend-inc.gitbook.io/litepaper
  - type: APIReference
    url: https://api.metalend.tech/openapi.json
  - type: GettingStarted
    url: https://api.metalend.tech/SKILL.md
- aid: metalend:metalend-pools-api
  name: MetaLend Pools API
  description: Protocol and pool information
  humanURL: https://developer.metalend.tech
  baseURL: https://api.metalend.tech
  tags:
  - Pools
  properties:
  - type: OpenAPI
    url: openapi/metalend-pools-api-openapi.yml
  - type: Authentication
    url: authentication/metalend-authentication.yml
  - type: Documentation
    url: https://metalend-inc.gitbook.io/litepaper
  - type: APIReference
    url: https://api.metalend.tech/openapi.json
  - type: GettingStarted
    url: https://api.metalend.tech/SKILL.md
- aid: metalend:metalend-rewards-api
  name: MetaLend Rewards API
  description: Reward aggregation and claim data
  humanURL: https://developer.metalend.tech
  baseURL: https://api.metalend.tech
  tags:
  - Rewards
  properties:
  - type: OpenAPI
    url: openapi/metalend-rewards-api-openapi.yml
  - type: Authentication
    url: authentication/metalend-authentication.yml
  - type: Documentation
    url: https://metalend-inc.gitbook.io/litepaper
  - type: APIReference
    url: https://api.metalend.tech/openapi.json
  - type: GettingStarted
    url: https://api.metalend.tech/SKILL.md
- aid: metalend:metalend-services-api
  name: MetaLend Services API
  description: The Services API from MetaLend — 1 operation(s) for services.
  humanURL: https://developer.metalend.tech
  baseURL: https://api.metalend.tech
  tags:
  - Services
  properties:
  - type: OpenAPI
    url: openapi/metalend-services-api-openapi.yml
  - type: Authentication
    url: authentication/metalend-authentication.yml
  - type: Documentation
    url: https://metalend-inc.gitbook.io/litepaper
  - type: APIReference
    url: https://api.metalend.tech/openapi.json
  - type: GettingStarted
    url: https://api.metalend.tech/SKILL.md
- aid: metalend:metalend-transaction-costs-api
  name: MetaLend Transaction Costs API
  description: Transaction cost queries
  humanURL: https://developer.metalend.tech
  baseURL: https://api.metalend.tech
  tags:
  - Transaction Costs
  properties:
  - type: OpenAPI
    url: openapi/metalend-transaction-costs-api-openapi.yml
  - type: Authentication
    url: authentication/metalend-authentication.yml
  - type: Documentation
    url: https://metalend-inc.gitbook.io/litepaper
  - type: APIReference
    url: https://api.metalend.tech/openapi.json
  - type: GettingStarted
    url: https://api.metalend.tech/SKILL.md
- aid: metalend:metalend-user-configuration-api
  name: MetaLend User Configuration API
  description: User rebalancer configuration management
  humanURL: https://developer.metalend.tech
  baseURL: https://api.metalend.tech
  tags:
  - User Configuration
  properties:
  - type: OpenAPI
    url: openapi/metalend-user-configuration-api-openapi.yml
  - type: Authentication
    url: authentication/metalend-authentication.yml
  - type: Documentation
    url: https://metalend-inc.gitbook.io/litepaper
  - type: APIReference
    url: https://api.metalend.tech/openapi.json
  - type: GettingStarted
    url: https://api.metalend.tech/SKILL.md
- aid: metalend:metalend-withdrawals-api
  name: MetaLend Withdrawals API
  description: Withdrawal operations from pools
  humanURL: https://developer.metalend.tech
  baseURL: https://api.metalend.tech
  tags:
  - Withdrawals
  properties:
  - type: OpenAPI
    url: openapi/metalend-withdrawals-api-openapi.yml
  - type: Authentication
    url: authentication/metalend-authentication.yml
  - type: Documentation
    url: https://metalend-inc.gitbook.io/litepaper
  - type: APIReference
    url: https://api.metalend.tech/openapi.json
  - type: GettingStarted
    url: https://api.metalend.tech/SKILL.md
common:
- type: AgenticAccess
  url: agentic-access/metalend-agentic-access.yml
- type: Authentication
  url: authentication/metalend-authentication.yml
- type: DomainSecurity
  url: security/metalend-domain-security.yml
- type: AgentSkill
  url: skills/_index.yml
- type: MCPServer
  url: mcp/metalend-mcp.yml
- type: ErrorCatalog
  url: errors/metalend-error-codes.yml
- type: Conventions
  url: conventions/metalend-conventions.yml
- type: Lifecycle
  url: lifecycle/metalend-lifecycle.yml
- type: Conformance
  url: conformance/metalend-conformance.yml
- type: Compliance
  url: https://metalend-inc.gitbook.io/litepaper/security-audits-with-sherlock
- type: DataModel
  url: data-model/metalend-data-model.yml
- type: Sandbox
  url: sandbox/metalend-sandbox.yml
- type: Overlay
  url: overlays/metalend-rebalancing-overlay.yaml
- type: LLMsTxt
  url: llms/metalend-llms.txt
- type: DeveloperPortal
  url: https://developer.metalend.tech
- type: Documentation
  url: https://metalend-inc.gitbook.io/litepaper
- type: APIReference
  url: https://api.metalend.tech/openapi.json
- type: GettingStarted
  url: https://api.metalend.tech/SKILL.md
- type: Pricing
  url: https://metalend-inc.gitbook.io/litepaper/metalend-litepaper/apy-and-fees
- type: Roadmap
  url: https://metalend-inc.gitbook.io/litepaper/metalend-litepaper/roadmap
- type: Support
  url: https://metalend-inc.gitbook.io/litepaper/metalend-litepaper/support
- type: Blog
  url: https://medium.com/metalend
- type: SignUp
  url: https://developer.metalend.tech
- type: TermsOfService
  url: https://metalend-inc.gitbook.io/litepaper/terms-of-service
- type: PrivacyPolicy
  url: https://metalend-inc.gitbook.io/litepaper/privacy-policy
- type: Twitter
  url: https://x.com/MetaLend_DeFi
- type: Website
  url: https://metalend.tech/
x-enrichment:
  date: '2026-07-20'
  status: enriched
  artifacts_added: 16
  pass: local-v1

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