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/

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?

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.