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 1 API on the APIs.io network: Rebalancing API. 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
44.7/100 thin Agent 65/100 agent native Full breakdown ↓
scored 2026-07-21 · rubric v0.4
1 APIs 1 MCP Servers 0 Features
CompanyCryptoDeFiLendingYieldRebalancingWeb3StablecoinsPaymentsAgent NativeBlockchain

API Rating

API Evangelist API Evangelist Rating How this is scored →
scored 2026-07-21 · rubric v0.4
Composite quality — 44.7/100 · thin
Contract Quality 9.4 / 25
Developer Ergonomics 14.8 / 20
Commercial Clarity 10.5 / 20
Operational Transparency 0.7 / 13
Governance 0.0 / 12
Discoverability 9.3 / 10
Agent readiness — 65/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 5 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
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

MetaLend Rebalancing API

API for managing cross-protocol, cross-chain DeFi rebalancing operations: SIWE/JWT auth, project settings, per-token user rebalancer configuration, deposits (gasless EIP-3009 or...

MCP Servers

metalend-mcp.yml

MCP SERVER

Resources

Get Started 4

Portal, sign-up, and the first successful call

Sandbox
Sandbox
 DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted
 SignUp
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
AgenticAccess
 AgentSkill
AgentSkill
 MCPServer
MCPServer
 LLMsTxt
LLMsTxt

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

ErrorCatalog
ErrorCatalog
 Conventions
Conventions
 Lifecycle
Lifecycle
 Conformance
Conformance
 DataModel
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)

apis.yml Raw ↑ 
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
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: '0.20'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- 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:
- name: MetaLend Rebalancing API
  description: 'API for managing cross-protocol, cross-chain DeFi rebalancing operations: SIWE/JWT auth, project settings,
    per-token user rebalancer configuration, deposits (gasless EIP-3009 or approval-based), signed EIP-712 withdrawals, wallet
    balances, rewards, pool listings with APY breakdowns, and per-chain transaction costs. All endpoints require X-API-Key
    + Origin.'
  humanURL: https://developer.metalend.tech
  baseURL: https://api.metalend.tech
  tags:
  - DeFi
  - Rebalancing
  - Lending
  properties:
  - type: OpenAPI
    url: openapi/metalend-rebalancing-openapi.json
  - 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