Global Stablecoin Map

Stablecoin Yields: Compare APY Across DeFi Protocols and Chains

Where stablecoins earn: the current APY on every tracked lending market, vault, liquidity pool and staking position, largest pools first. Rates update every six hours and include the rewards split when a protocol publishes one, so you can compare the best yield for USDC, USDT and DAI. 94 stablecoins have a tracked pool, on 63 chains across 284 protocols. Each row also carries a yield-quality layer: whether the return is organic base yield or incentive-driven reward tokens, and how stable the APY has been against its own 30-day average.

CoinAPYComposition30d avgQualityProtocolChain▼TVLType
USDSUSDS
3.80%
3.77%OrganicStableSky LendingEthereum$4.5BSavings
USDTTether USD
3.77%
3.87%OrganicStableAave V3Ethereum$2.6BLending
USDCUSD Coin
3.79%
4.37%OrganicStableAave V3Ethereum$2.4BLending
USDSUSDS
2.94%
2.70%OrganicStableSparkLendEthereum$1.3BLending
USDCUSD Coin
5.11%
5.16%OrganicStableMapleRestricted accessEthereum$1.2BLending
sUSDeEthena Staked USDe
5.17%
4.98%OrganicStableEthena USDeEthereum$1.1BSavings
USDTTether USD
4.81%+0.59% rewards
4.54%OrganicStableAave V3Plasma$725.8MLending
USDCUSD Coin
3.47%
4.88%OrganicStableHyperliquid EarnHyperliquid L1$623.0MLending
USDeEthena USDe
0.25%
0.26%OrganicStableAave V3Plasma$586.8MLending
USDCUSD Coin
4.80%
4.79%LP fees · IL riskStableMorpho BlueBase$560.1MLP
USDSUSDS
3.42%Rewards only+3.42% rewards
4.12%IncentiveStableSparkLendEthereum$552.4MLending
USDGGlobal Dollar
3.91%
4.04%OrganicStableMorpho BlueRobinhood Chain$519.9MLending
USDCUSD Coin
4.31%
4.31%OrganicStableMorpho BlueBase$500.4MLending
RLUSDRipple USD
0.10%
0.10%OrganicStableMorpho BlueEthereum$500.0MLending
USD0Usual USD
4.90%Rewards only+4.90% rewards
5.28%IncentiveStableUsual Usd0Ethereum$498.8MLending
USDSUSDS
3.80%
3.77%OrganicStableSky LendingArbitrum$476.2MSavings
USDCUSD Coin
6.03%
6.32%OrganicStableJupiter LendSolana$448.6MLending
USDCUSD Coin
3.13%
3.14%OrganicStableMorpho BlueBase$446.9MLending
USDaiUSD.AI
6.94%
6.54%OrganicStableUSD.AIArbitrum$439.9MSavings
RLUSDRipple USD
5.93%+2.95% rewards
5.91%MixedStableMorpho BlueEthereum$408.9MLending
USDTTether USD
4.00%
3.77%OrganicStableSpark SavingsEthereum$407.0MLending
USDCUSD Coin
4.80%
4.80%OrganicStableMorpho BlueBase$402.7MLending
USDCUSD Coin
3.23%
4.72%OrganicStableCompound V3Ethereum$375.2MLending
USDeEthena USDe
5.00%Rewards only+5.00% rewards
4.81%IncentiveStableMorpho BlueRobinhood Chain$360.9MLending
USDDUSDD
4.48%Rewards only+4.48% rewards
4.00%IncentiveStableJustlend V1Tron$356.0MLending

Showing 25 of 498.

Top 498 of 4,341 pools by TVL. Search or filter within them, or open a stablecoin's page for all of its pools.TVL is what is deposited in the pool. For lending pools, that is before loans are taken out.Base yieldReward incentives

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Stablecoin yields, explained

What are stablecoin yields?

Stablecoin yields are the annualised returns paid on stablecoin deposits, in lending markets like Aave or Compound, in vaults and yield-bearing wrappers, on liquidity pools or through staking. They are quoted as an APY (annual percentage yield) for the coin and protocol that offers them, and where a protocol pays extra incentive tokens on top of the base rate, that split appears as a rewards APY.

How are stablecoin interest rates determined?

Most stablecoin lending rates are set by supply and demand inside each market: the more a protocol's stablecoin vaults are borrowed against their deposits, the higher the rate rises. Liquidity-pool yields come from trading fees plus the pool's share of protocol token emissions, while reward APYs are promotional programmes the protocol can raise or cut at any time. Rates therefore move daily, which is why every row on this page carries the current snapshot.

What is a yield-bearing stablecoin?

A yield-bearing stablecoin carries income into its own unit rather than paying a separate deposit rate: the token's value slowly accrues (sUSDe, sUSDD) or it rebases into new units (rUSDY) as the backing earns interest. The APY is then priced into the token itself, so a holder earns by simply holding. The per-coin yields pages list these alongside the lending and staking rates you deposit to earn. USDS does not rebase: its savings wrapper, sUSDS, accrues instead.

Is stablecoin yield safe?

No yield is risk-free, and stablecoin yield is not the same risk class as the coin's peg. The headline APY can include promotional reward tokens that change in value; the underlying protocol can have smart-contract, liquidation or counterparty risk; a liquidity-pool position exposes you to impermanent loss; and the coin itself can depeg. High reward APYs in particular are usually a marketing number, not a guarantee.

Which stablecoin has the highest yield?

It changes week to week, because both the base rates and the reward programmes a protocol runs move constantly. The table above ranks pools by TVL by default. Sort the APY column to see the highest rates first, and open a coin's yields page to see where its best rate is offered right now.

How does DIA classify yield quality?

Every row carries two derived tags. The source tag splits the headline APY into the base rate and reward incentives: a pool is classified as organic when less than 20% of its APY comes from reward incentives, incentive-driven when more than 80% does, and mixed in between. A liquidity-pool position, or any pool flagged with impermanent-loss risk, is never organic: it is tagged "LP fees · IL risk" instead (pools led by reward incentives keep their incentive tag and add an IL risk badge). The stability tag compares the current APY to its own 30-day trailing average: it is stable when today's rate sits within ±50% of that average, volatile when it has drifted further. A pool without the data to classify its source or stability carries no badge for that tag.

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