We did an extensive study on lending markets. Sharing a reserve estimate that only includes @aave v3 over 3 somewhat matured l2s, @0xPolygon @arbitrum @Optimism. 

Evolution of the lending markets in the l2 landscape.

Here's what we found:

Official account of the Arbitrum Foundation.

https://arbitrum.io/

That depends. Do you want to lend/borrow for short term (1W, 1M, 3M)? Or do you want to do that for long term (6M, 1Y, 2Y)?

Well, the data says rebalancing your positions timely is more likely to yield better results than keeping it idle. Much like Univ3.

Now imagine, there are like 20 L2s, with 50+ different lending protocols with over 100+ different markets. How the hell, you manage your position in a way that

1. It yield you the best APR with a filter that includes with incentives or without
2. Let's your farm potential lending market airdrops
3. That help your manage your stables, btc, eth in bear market effectively enough that you can maximise your returns.

That's where @PlendFinance kicks in. Lend & Borrow effortlessly while making sure you're always getting the best rates, across all protocols that exist, in the whole web3 landscape.

How do we do that exactly? Maybe for some other time. Or if this thread gets 100 likes, I will share that tomorrow.

Above graph depicts varied deposit rates on aavev3 over 3 different protocols, week-over-week. 

You can see, that rates fluctuate a lot, over different time periods, over different platforms. 

Which brings the question, what's the best way to borrow or lend?