# MetaLend

**Canonical:** https://apis.io/providers/metalend/  
**Website:** https://metalend.tech/  
**APIs profiled:** 1

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.

## Kin Score — 52.1 / 100 (developing)

Scored 2026-08-30 under rubric 0.17.2. Trend: flat (-0.6 from 52.7).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 58.9 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 5.3 |
| Developer Ergonomics | 71.4 |
| Commercial Clarity | 52.6 |
| Access Clarity | 52.6 |

Regulatory layer — **Payments**: 46.9 (matched via tags).

## Agent readiness — 36.7 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | no |
| Error Semantics | verified |
| OpenAPI Examples | verified |
| Rate Limit Signal | verified |
| Event Surface Described | no |
| Agent Skills | yes |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (10)

- **MetaLend AI Agent Guide API** — Machine-readable flow guide for AI agents — signing formats, wizard flows, and integration gotchas
- **MetaLend Auth API** — Get challenge / verify challenge authentication
- **MetaLend Balances API** — Balance queries across pools and protocols
- **MetaLend Deposits API** — Deposit operations for rebalancing
- **MetaLend Pools API** — Protocol and pool information
- **MetaLend Rewards API** — Reward aggregation and claim data
- **MetaLend Services API** — The Services API from MetaLend — 1 operation(s) for services.
- **MetaLend Transaction Costs API** — Transaction cost queries
- **MetaLend User Configuration API** — User rebalancer configuration management
- **MetaLend Withdrawals API** — Withdrawal operations from pools

## MCP servers (1)

- **MetaLend MCP Server**

## Agentic access (1)

- **Metalend Agentic Access** — 17 operations · 5 acting

## Security (2)

- **Metalend Authentication** — apiKey · 3 schemes
- **Metalend Domain Security** — TLSv1.3 · DNSSEC · DMARC

## Tags

Company, Crypto, DeFi, Lending, Yield, Rebalancing, Web3, Stablecoins, Payments, Agent Native, Blockchain

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/metalend/). Scores are computed from the provider's own public artifacts under a published rubric.