Stablecoin yield

Stablecoin yield: USDT & USDC by network

Where USDT and USDC earn right now — lending and savings rates across chains and protocols, with organic and reward APY shown separately.

Source: DefiLlama· Updated: 2026-08-21

USDT & USDC rates by network and protocol

Pools199
Networks24
Median APY4.53%
Total TVL$7.93B
$1.0M
199 of 325 pools pass
#Asset Network Protocol APY 30d avg 30d Δ TVL
1$USDCHyperliquid L1GrowiHF· Hyperliquid Vault479.75%organic30.05%+479.75pp$9.24M
2$USDCSolanaNeutral Trade· CTA - Systematic Alpha78.26%organic53.05%$2.24M
3$USDCMonadAccountable· Earn ACC Points21.32%20.10 base · +1.23 rewards25.37%-17.55pp$7.5M
4$USDCEthereumEnsuro· Senior Pool20.96%organic20.29%+0.94pp$1.07M
5$USDCEthereumAccountable· Earn ACC Points20.67%10.80 base · +9.87 rewards23.61%+4.53pp$3.92M
6$USDCMonadCentrifuge Protocol· Anemoy Tokenized Apollo Diversified Credit Fund Token20.44%organic2.54%+13.46pp$10.07M
7$USDCPlume MainnetCentrifuge Protocol· Anemoy Tokenized Apollo Diversified Credit Fund Token20.01%organic2.75%+13.03pp$20.78M
8$USDCZIGChainNawa Protocol· n1USDC Vault18.99%organic9.54%$3.42M
9$USDCMonadAccountable· Earn ACC Points13.97%13.60 base · +0.37 rewards16.30%-3.86pp$99.97M
10$USDCCantoCanto Lending13.61%organic13.61%0.00pp$1.35M
11$USDCEthereumEmber Protocol· Pharos RealFi Ecosystem Vault12.90%organic12.88%0.00pp$7.04M
12$USDCEthereumAave V312.53%organic3.75%+9.36pp$1.13M
13$USDCMonadAccountable12.14%11.64 base · +0.50 rewards12.13%$5.04M
14$USDCSuiEmber Protocol· R25 Treasury Vault12.00%8.00 base · +4.00 rewards12.00%0.00pp$9.61M
15$USDCEtherlinkMidas RWA· mBASIS11.70%organic9.13%+4.07pp$4.82M
16$USDCEthereumAccountable11.64%organic11.64%$10.16M
17$USDCEthereumAccountable11.56%organic10.63%-0.10pp$3.29M
18$USDCMonadEuler V2· Clearstar Earn USDC11.41%10.16 base · +1.25 rewards10.29%+1.09pp$1.23M
19$USDCEthereumPareto Credit· Bastion10.58%organic10.59%0.00pp$15.29M
20$USDCEthereumEmber Protocol· Y10k USDC Vault10.55%organic7.20%+3.74pp$16.92M
21$USDCEthereumEmber Protocol· Bitwise Premium+ RWA10.45%organic8.69%+10.45pp$5.94M
22$USDCEthereumGoldfinch10.21%organic10.20%+0.21pp$35.95M
23$USDCSuiEmber Protocol· Ember Earn10.16%organic9.77%+1.49pp$7.06M
24$USDCBaseHarvest Finance· 40 Acres10.03%organic10.95%-3.61pp$1.86M
25$USDCEthereumAgua· Global Carry Vault10.00%organic10.00%$8.88M
26$USDCEthereumEmber Protocol· Ember Earn9.91%organic9.54%+1.20pp$3.36M
27$USDCEthereumMidas RWA· mEDGE9.85%organic10.90%+2.09pp$1.74M
28$USDCSuiCurrent· MainMarket9.84%1.99 base · +7.84 rewards9.41%+1.57pp$10.35M
29$USDCMonadNeverland9.61%1.85 base · +7.76 rewards6.47%+4.08pp$1.92M
30$USDCSolanaLoopscale9.57%2.61 base · +6.96 rewards8.10%$1.66M
31$USDCEthereumPareto Credit· Adaptive Frontier9.38%organic9.38%0.00pp$2.17M
32$USDCEthereumMidas RWA· mRe7YIELD9.23%organic8.64%+6.19pp$6.4M
33$USDCEtherlinkMidas RWA· mRE79.23%organic8.65%+6.19pp$1.12M
34$USDCEthereumBracket Vaults9.18%organic9.30%-0.13pp$1.65M
35USDTEthereumZEROBASE CeDeFi9.00%7.00 base · +2.00 rewards9.00%0.00pp$14.05M
36USDTArbitrumZEROBASE CeDeFi9.00%7.00 base · +2.00 rewards9.00%0.00pp$7.63M
37$USDCBaseZEROBASE CeDeFi9.00%7.00 base · +2.00 rewards9.00%0.00pp$1.54M
38$USDCBaseYieldSeeker8.99%organic9.30%+2.73pp$1.12M
39USDTBSCZEROBASE CeDeFi8.76%6.76 base · +2.00 rewards8.76%0.00pp$19.17M
40$USDCBSCZEROBASE CeDeFi8.76%6.76 base · +2.00 rewards8.76%0.00pp$2.02M
41$USDCEthereumMidas RWA· mFONE8.71%organic10.16%-1.61pp$71.1M
42$USDCEthereumLazy8.34%organic6.90%+0.20pp$1.19M
43$USDCEthereumMidas RWA· mAPOLLO8.26%organic9.38%-0.91pp$7.85M
44$USDCSuiEmber Protocol· Ember Concentrated Liquidity8.16%4.80 base · +3.37 rewards11.08%-3.83pp$1.16M
45USDTBSCLista Lending8.08%3.87 base · +4.21 rewards7.07%+2.33pp$2.8M
46$USDCEthereumPareto Credit· FalconX8.02%organic8.14%-0.29pp$168.47M
47USDTBSCBitway Earn· Core Alpha8.00%organic8.00%0.00pp$25.35M
48$USDCMonadBeefy· Aave7.93%organic8.04%-0.15pp$1.84M
49$USDCMonadAccountable· Earn ACC Points7.78%7.28 base · +0.50 rewards7.76%+0.24pp$1.27M
50$USDCSuiEmber Protocol· Ember Third Eye7.74%organic5.87%-7.57pp$1.88M
51$USDCEthereumDolomite7.71%3.29 base · +4.43 rewards7.47%-0.11pp$29.41M
52$USDCBaseAUTOfinance· baseUSD7.49%5.40 base · +2.09 rewards8.11%-0.27pp$7.56M
53$USDCEthereumMidas RWA· mROX7.42%organic7.34%-0.95pp$6.69M
54$USDCEthereumMidas RWA· mMEV7.42%organic7.36%-0.95pp$2.51M
55$USDCEthereumYearn Finance7.37%organic6.03%+1.57pp$8.51M
56$USDCEthereumSentora· Sentora USD7.27%organic6.84%$46.67M
57$USDCEthereumLista Lending7.19%0.22 base · +6.97 rewards6.34%+1.64pp$3.14M
58$USDCEthereumPareto Credit· RockawayX7.13%organic7.13%0.00pp$21.91M
59$USDCSuiEmber Protocol· Ember USD Metavault7.12%organic9.63%+0.51pp$1.41M
60$USDCBaseExtra Finance Leverage Farming7.10%organic6.97%+0.60pp$3.31M
61$USDCSolanaLoopscale7.07%6.77 base · +0.30 rewards7.02%+0.39pp$2.2M
62$USDCEthereumFluid Lite7.03%organic7.45%-1.20pp$42.66M
63$USDCSolanaNeutral Trade· Delta Neutral Arbitrage6.93%organic5.16%$2.14M
64$USDCMonadAccountable· Earn ACC Points6.66%6.16 base · +0.50 rewards8.23%-3.61pp$9.96M
65$USDCBaseYO Protocol· yoUSD Edge6.66%organic6.76%+0.08pp$1.08M
66$USDCEthereumYearn Finance6.54%organic7.00%-0.77pp$6.84M
67$USDCSuiEmber Protocol· Ember Basis6.54%organic8.75%-3.66pp$1.07M
68$USDCStellarBlend Pools V2· Fixed Pool6.37%organic7.03%-2.41pp$14.72M
69$USDCSolanaKamino Lend· OnRe Market6.32%organic6.73%-0.71pp$5.69M
70$USDCEthereumCompound V36.20%6.09 base · +0.11 rewards3.57%+0.65pp$31.42M
71$USDCHyperliquid L1Harmonix Finance6.13%organic6.65%-1.73pp$22.24M
72$USDCBaseSprinter6.09%organic6.09%0.00pp$1.19M
73USDTAvalancheAave V36.08%organic3.13%+2.95pp$1.74M
74$USDCEthereumYearn Finance6.04%organic6.34%+0.04pp$1.19M
75USDTEthereumLista Lending5.88%0.51 base · +5.36 rewards5.65%+1.07pp$2.57M
76$USDCEthereumAUTOfinance· autoUSD5.87%5.15 base · +0.73 rewards5.98%-1.09pp$7.09M
77$USDCHyperliquid L1HyperLend Pooled5.82%organic7.00%+0.03pp$12.74M
78$USDCAvalancheCentrifuge Protocol· Janus Henderson AAA CLO Fund5.77%organic5.11%+1.94pp$261.45M
79$USDCBaseCentrifuge Protocol· Janus Henderson AAA CLO Fund5.77%organic5.11%+1.94pp$50.41M
80$USDCEthereumCentrifuge Protocol· JAAA deRWA5.77%organic5.08%+1.93pp$5.71M
81$USDCEthereumMidas RWA· mHYPER5.73%organic8.65%-4.84pp$37.44M
82$USDCSuiNAVI Lending5.70%5.18 base · +0.52 rewards5.41%+0.29pp$5.84M
83$USDCBaseAvantis· vault5.64%organic8.89%-2.45pp$18.22M
84USDTTONStorm Trade5.47%organic5.62%-0.32pp$3.05M
85$USDCMonadCurvance· wsrUSD/USDC5.42%2.72 base · +2.70 rewards5.25%$2.36M
86$USDCEthereumBeefy· Morpho5.33%organic4.25%+1.25pp$3.55M
87$USDCMonadAave V35.31%3.28 base · +2.02 rewards6.45%-3.47pp$12.6M
88$USDCSolanaKamino Lend· Figure Market5.31%organic5.08%+0.70pp$2.56M
89USDTOP MainnetZEROBASE CeDeFi5.30%3.30 base · +2.00 rewards5.30%0.00pp$8.1M
90$USDCEthereumAave V3· Umbrella5.04%3.56 base · +1.48 rewards5.51%-1.69pp$65.68M
91$USDCSolanaLoopscale4.99%organic4.87%-0.08pp$1.75M
92$USDCBaseYearn Finance4.97%organic4.92%-0.01pp$1.82M
93$USDCEthereumMaple· Syrup USDC4.80%organic4.91%0.00pp$2.81B
94$USDCArbitrumGains Network4.75%organic4.15%-1.53pp$5.41M
95$USDCEthereumFluid Lending4.69%organic5.17%-0.93pp$151.05M
96$USDCEthereumFluid Lending4.69%organic5.17%-0.93pp$5.01M
97$USDCSolanaKamino Lend· SOL/BTC Market4.65%organic4.16%+0.88pp$7.32M
98$USDCBaseFluid Lending4.59%organic5.23%-0.30pp$9.34M
99$USDCEthereumHarvest Finance· Morpho - Alpha Core V24.54%organic6.53%-1.41pp$1.15M
100USDTEthereumFluid Lending4.53%organic4.41%-0.29pp$137.65M
101$USDCEthereumAlchemix V3· Mixed Yield Token (alUSD vault)4.53%organic4.51%$7.78M
102$USDCAvalancheBenqi Lending4.52%organic4.22%+0.64pp$3.29M
103$USDCEthereumNative Credit Pool· single-side, no-loss LP4.50%organic4.34%-0.45pp$1.17M
104$USDCArbitrumFluid Lending4.45%organic5.00%-0.58pp$45.84M
105$USDCBaseBeefy· Morpho4.45%organic4.94%-0.53pp$1.97M
106USDTEthereumFlux Finance4.40%organic4.41%0.00pp$2.07M
107USDTEthereumAave V3· Umbrella4.37%3.00 base · +1.37 rewards4.67%-2.66pp$74.44M
108$USDCOP MainnetExactly· Fixed mat: 2027-01-144.37%organic4.35%+0.04pp$1.64M
109$USDCArbitrumDolomite4.37%organic4.26%+0.08pp$1.21M
110$USDCOP MainnetExactly· Fixed mat: 2026-12-174.31%organic4.29%+0.06pp$1.64M
111$USDCOP MainnetExactly· Fixed mat: 2027-02-114.26%organic4.23%+0.07pp$1.64M
112$USDCEthereumAcross4.23%0.04 base · +4.20 rewards4.48%-1.09pp$1.09M
113$USDCOP MainnetExactly· Fixed mat: 2026-11-194.21%organic4.19%+0.04pp$1.64M
114$USDCOP MainnetExactly· Fixed mat: 2027-03-114.20%organic4.15%+0.11pp$1.64M
115$USDCSuiEmber Protocol· Ember ACRED4.18%organic3.49%+0.36pp$1.2M
116USDTEthereumMaple· Syrup USDT4.15%organic4.21%-0.13pp$954.16M
117$USDCOP MainnetExactly· Fixed mat: 2026-10-224.15%organic4.10%+0.09pp$1.64M
118$USDCSolanaJupiter Lend· Earn4.12%3.44 base · +0.68 rewards4.96%+0.09pp$443.75M
119$USDCAvalancheAave V34.12%organic3.72%+0.64pp$5.14M
120$USDCOP MainnetExactly· Fixed mat: 2027-04-084.06%organic3.90%+0.49pp$1.64M
121$USDCEthereumTermMax· TermMax USDC Vault V24.05%organic4.05%-0.17pp$3.35M
122$USDCOP MainnetExactly· Fixed mat: 2026-09-244.03%organic4.06%-0.21pp$1.64M
123$USDCEthereumSymbiosis3.99%organic4.86%+0.35pp$1.58M
124$USDCBaseYO Protocol· yoUSD3.93%organic4.23%-0.26pp$9.48M
125$USDCEthereumYO Protocol· yoUSD3.93%organic4.23%-0.26pp$1.51M
126$USDCBaseAmple3.89%organic4.08%-0.90pp$4.34M
127$USDCOP MainnetExactly· Fixed mat: 2027-05-063.87%organic3.57%$1.64M
128USDTSolanaKamino Lend· SOL/BTC Market3.80%organic3.40%+0.17pp$1.41M
129$USDCEthereumMidas RWA· msyrupUSDp3.78%organic4.67%-4.04pp$3.49M
130$USDCBaseMoonwell Lending3.74%3.68 base · +0.06 rewards6.90%-0.23pp$2.84M
131$USDCEthereumFlux Finance3.73%organic3.73%0.00pp$2.59M
132$USDCEthereumYearn Finance3.66%organic3.53%+0.25pp$2.43M
133$USDCOP MainnetExactly· Fixed mat: 2026-08-273.65%organic2.61%-0.33pp$1.64M
134$USDCMonadCentrifuge Protocol· Janus Henderson Treasury Fund3.61%organic3.66%0.00pp$4.54M
135$USDCPharosCentrifuge Protocol· Janus Henderson Treasury Fund3.61%organic3.66%0.00pp$4.39M
136$USDCEthereumSpark Savings3.52%organic3.52%$272.95M
137$USDCAvalancheSpark Savings3.52%organic3.52%$12.05M
138$USDCEthereumSparkLend3.47%organic3.48%-0.16pp$1.74M
139$USDCBaseAave V33.45%organic3.45%+0.75pp$22.38M
140$USDCAptosEchelon Market3.45%1.97 base · +1.48 rewards3.78%-0.90pp$1.57M
141$USDCEthereumMidas RWA· mTBILL3.44%organic3.20%+2.31pp$65.04M
142$USDCEtherlinkMidas RWA· mTBILL3.44%organic3.22%+2.31pp$1.22M
143$USDCEthereumYearn Finance3.38%organic3.30%+0.04pp$25.61M
144USDTSolanaJupiter Lend· Earn3.38%organic3.35%+0.22pp$18.88M
145$USDCEthereumEmber Protocol· Hilbert Overcollateralized Lending3.37%organic2.16%$2.03M
146USDTBSCNative Credit Pool· single-side, no-loss LP3.35%organic3.39%-1.83pp$3.98M
147USDTEthereumNative Credit Pool· single-side, no-loss LP3.31%organic3.03%-0.90pp$1.79M
148$USDCSolanaProject 03.18%organic4.73%-2.28pp$1.94M
149$USDCSolanaKamino Lend· xStocks Market3.12%organic4.72%-0.87pp$1.34M
150USDTEthereumYearn Finance3.05%organic3.19%$7.43M
151$USDCEthereumEuler V2· EVK Vault eUSDC-703.04%organic3.11%-0.11pp$7.89M
152USDTEthereumAave V33.00%organic2.79%+0.23pp$366.13M
153USDTEthereumSpark Savings3.00%organic2.84%$365.56M
154USDTEthereumCompound V33.00%2.89 base · +0.11 rewards3.14%+0.15pp$36.88M
155$USDCInkTydro2.95%organic1.79%+1.24pp$2.45M
156USDTEthereumSparkLend2.89%organic3.70%+0.28pp$45.26M
157USDTPolygonAzuro· V3 Vault + Locked LP2.88%organic38.42%-12.91pp$1.34M
158$USDCEthereumEuler V2· EVK Vault eUSDC-802.84%organic4.42%-1.62pp$7.88M
159$USDCBaseSpectra MetaVaults· Gami Spectra USDC2.83%organic2.60%+0.89pp$3.02M
160$USDCBaseGami Labs· Gami Spectra USDC2.83%organic2.60%+0.89pp$3.02M
161$USDCEthereumCentrifuge Protocol· Zivoe SMB Credit2.83%organic1.15%$1.67M
162USDTEthereumAave V4· Core2.82%organic2.42%-3.95pp$2.5M
163$USDCEthereumAave V3· Aave Horizon Market2.79%organic3.04%-0.16pp$1.68M
164$USDCArbitrumCompound V32.77%organic2.73%+0.12pp$3.51M
165$USDCBSCAave V32.76%organic2.99%+0.38pp$2.33M
166$USDCPolygonAave V32.70%organic2.77%0.00pp$12.77M
167USDTArbitrumCompound V32.66%organic2.01%+0.71pp$3.81M
168$USDCEthereumAave V3· Prime Instance2.64%organic2.14%+0.04pp$1.56M
169$USDCArbitrumAave V32.53%organic2.49%-0.31pp$34.09M
170$USDCOP MainnetAave V32.39%organic3.02%-0.77pp$2.64M
171USDTTronJustLend V12.37%organic2.61%-1.14pp$71.69M
172$USDCSolanaSave· Main Pool2.32%organic2.37%-0.18pp$6.21M
173USDTBSCVenus Flux2.20%organic2.43%-0.55pp$2.27M
174USDTBSCVenus Core Pool2.17%organic2.13%-0.06pp$80.41M
175USDTBSCAave V32.08%organic2.17%-0.23pp$16.86M
176$USDCEthereumMidas RWA· mM1USD2.04%organic5.39%+0.58pp$26.21M
177USDTBSCLista Lending2.03%organic3.12%-2.67pp$3.96M
178$USDCSonicAave V31.85%organic1.93%-0.12pp$1.18M
179$USDCBSCVenus Core Pool1.80%organic2.61%-0.95pp$23.57M
180USDTEthereumAave V4· Plus1.71%organic1.38%+0.75pp$1.06M
181$USDCEthereumAave V4· Plus1.61%organic1.54%+0.14pp$1.12M
182USDTEthereumAcross1.50%0.24 base · +1.25 rewards1.50%+0.05pp$1.58M
183USDTSolanaSave· Main Pool1.39%organic1.41%-0.01pp$2.38M
184$USDCOP MainnetExactly· Variable Rate0.96%organic0.99%+0.02pp$1.64M
185$USDCStacksZest V20.57%organic0.50%+0.10pp$10.08M
186USDTBSCLista Lending0.42%organic2.26%-3.29pp$3.53M
187USDTCronosTectonic0.15%organic0.15%0.00pp$45.02M
188$USDCAvalancheAave V4· Core0.15%organic0.40%-1.23pp$4.86M
189$USDCCronosTectonic0.12%organic0.12%0.00pp$54.12M
190$USDCSolanaCredix0.04%organic0.07%-0.11pp$13.48M
191USDTEthereumCompound V20.00%organic0.00%0.00pp$16.76M
192$USDCEthereumPareto Credit· Fasanara0.00%organic0.00%0.00pp$11.81M
193$USDCSuiEmber Protocol· Ember High Income0.00%organic0.00%$4.6M
194$USDCSolanaNeutral Trade· Neutral Autopilot0.00%organic8.86%$3.72M
195$USDCBaseCentrifuge Protocol· S&P 500 DeFi (Centrifuge)0.00%organic9.79%$3.72M
196$USDCBaseCentrifuge Protocol· Janus Henderson S&P500® Fund0.00%organic8.81%$3.71M
197$USDCEthereumCompound V20.00%organic0.00%0.00pp$2.92M
198$USDCEthereumEmber Protocol· Tulipa Multi-Asset RWA0.00%organic0.00%0.00pp$1.62M
199$USDCSolanaNeutral Trade· HFT Multi-factor0.00%organic27.48%$1.1M

base (organic rate) rewards (token incentives, variable)

TVL is the amount deposited in the pool — a rough liquidity and safety proxy. Yields are variable and not guaranteed; this is information, not advice.