Best Stablecoin Yields - USDC, USDT & DAI APY Rankings

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DefiLlama doesn't audit nor endorse any of the protocols listed, we just focus on providing accurate data. Ape at your own risk.

Tracking 2,919 pools across 499 protocols on 102 chains

Stablecoin pools pay yield on dollar-pegged assets, so returns come from lending demand, trading fees and incentives rather than token price movement. Every pool below holds only stablecoins and carries no impermanent loss. APY, TVL and pool counts update daily - sort by APY for the highest headline rate, or by TVL to weight toward pools with the deepest liquidity.

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Verified APY: what you would actually have earned. Every day we simulate a real holder withdrawing from each pool onchain and record what they received.

Pool	Reference	Protocol
1 sUSDSSavings USDS	USDS	Sky Lending	$4.834b	3.69%	Stable 97	6,407
2 aEthUSDTAave Ethereum USDT	USDT	Aave V3	$2.93b	3.82%	Stable 82	24,740
3 syrupUSDCSyrup USDC	USDC	Maple	$2.805b	5.19%	Stable 99	3,494
4 aEthUSDCAave Ethereum USDC	USDC	Aave V3	$2.387b	3.87%	Stable 94	30,067
5 spUSDSSpark USDS	USDS	SparkLend	$1.303b	2.62%	Stable 97	51
6 sUSDeStaked USDe	USDe	Ethena USDe	$1.201b	4.90%	Stable 97	12,113
7 BUIDL	BUIDL	BlackRock BUIDL	$967.82m	3.35%	Stable 96
8 BUIDLBlackRock USD Institutional Digital Liquidity Fund	BUIDL	BlackRock BUIDL	$886.12m	3.65%	Stable 96	12
9 aPlaUSDT0Aave Plasma USDT0	USDT0	Aave V3	$817.92m	4.80%4.07%+0.73%	Stable 90
10 syrupUSDTSyrup USDT	USDT	Maple	$743.91m	5.27%	Stable 95	1,247
11 spUSDTSpark Savings USDT	USDT	Spark Savings	$660.36m	3.63%	Stable 97	645
12 aPlaUSDeAave Plasma USDe	USDe	Aave V3	$609.66m	0.30%	Stable 86
13 USDSSPK Farming Pool	USDS	SparkLend	$558.4m	4.53%+4.53%	Stable 92	0
14 syrupUSDGsyrupUSDG	USDG	Maple	$557.83m	4.99%	Stable 99	77
15 sUSDaiStaked USDai	PYUSD-USDai	USD AI	$553.4m	6.95%	Stable 95	4,060
16 steakUSDGSteakhouse USDG	USDG	Morpho Blue	$534.66m	7.01%3.90%+3.11%	Stable 97	74,751
17 bUSD0Bond USD0	USD0	Usual USD0	$502.98m	5.74%+5.74%	Stable 91	2,678
18 jlUSDCjupiter lend USDC	USDC	Jupiter Lend	$486.06m	6.06%5.84%+0.22%	Stable 83	14,146
19 senRLUSDv2Sentora RLUSD Main	RLUSD	Morpho Blue	$486.02m	6.22%3.17%+3.05%	Stable 91	394
20 BUIDLBlackRock USD Institutional Digital Liquidity Fund	BUIDL	BlackRock BUIDL	$481.77m	3.65%	Stable 96	6
21 sirloinUSDCSteakhouse High Yield USDC Edition	USDC	Morpho Blue	$471.31m	5.70%3.02%+2.68%	Stable 98	52,798
22 PRIMEHastra PRIME	wYLDS	Hastra🪂	$447.64m	6.17%	Stable 98	253
23 grove-steakUSDCGrove x Steakhouse USDC	USDC	Morpho Blue	$434.16m	4.67%	Stable 98	52
24 USDD	USDD	JustLend V1	$420.49m	4.00%<0.01%+4.00%	Stable 99
25 gtUSDCpGauntlet USDC Prime	USDC	Morpho Blue	$412.96m	4.52%	Stable 97	39,288
26 sparkUSDCSpark USDC Vault	USDC	Morpho Blue	$409.35m	4.06%	Stable 97	12,607
27 cUSDCv3Compound USDC	USDC	Compound V3	$383.83m	4.86%	Stable 84	3,669
28 senPYUSDmainPaypal USD Main	PYUSD	Morpho Blue	$367.75m	5.82%2.80%+3.03%	Stable 88	566
29 sUSDSSavings USDS	USDS	Spark Savings	$364.44m	3.69%	Stable 97	1,355
30 sUSDSSavings USDS	USDS	Sky Lending	$364.44m	3.69%	Stable 97	1,355
31 JTRSYJanus Henderson Treasury Fund	USDS	Centrifuge Protocol	$326.44m	3.60%	Stable 83	16
32 reUSDRe Protocol Deposit Token	reUSD	Re	$325.26m	6.90%	Stable 99	842
33 spUSDTSpark USDT	USDT	SparkLend	$320.18m	3.41%	Stable 99	188
34 dUSD1Dolomite: USD1	USD1	Dolomite	$318.3m	7.88%2.86%+5.02%	Stable 96	1
35 spUSDCSpark Savings USDC	USDC	Spark Savings	$295.1m	3.69%	Stable 97	1,271
36 JAAAJanus Henderson AAA CLO Fund	USAT	Centrifuge Protocol	$292.84m	4.80%	Stable 80	19
37 ONycOnRe Tokenized Reinsurance	USDC	OnRe🪂	$282.47m	11.02%	Stable 100	9,171
38 spDAISpark DAI	DAI	SparkLend	$264.29m	2.76%	Stable 97	135
39 JAAAJanus Henderson AAA CLO Fund	USDC	Centrifuge Protocol	$263.14m	4.80%	Stable 80	3
40 aEthUSDeAave Ethereum USDe	USDe	Aave V3	$255.13m	0.30%	Stable 68	1,717
41 jlePYUSDjupiter lend ethena PYUSD	pyusd	Jupiter Lend	$251.01m	3.38%	Stable 83	8
42 sxsRLUSDSentora x Spark RLUSD	RLUSD	Morpho Blue	$250.03m	0.11%	Mixed 66	3
43 BUIDL-IBlackRock USD Institutional Digital Liquidity Fund - I Class	BUIDL-I	BlackRock BUIDL	$248.36m	3.68%	Stable 96	8
44 sGhosGho	GHO	Aave V3	$234.52m	4.50%	Stable 100	948
45 usdt	usdt	JustLend V1	$229.21m	2.11%	Stable 91
46 aArbUSDCnAave Arbitrum USDCn	USDC	Aave V3	$222.38m	3.03%	Stable 84	29,034
47 senPYUSDPRIMEv2Sentora PRIME Main	PYUSD	Morpho Blue	$209.49m	6.33%3.92%+2.41%	Stable 94	146
48 sDAISavings Dai	DAI	Sky Lending	$200.19m	1.25%	Stable 100	1,897
49 BUIDLBlackRock USD Institutional Digital Liquidity Fund	BUIDL	BlackRock BUIDL	$195.92m	3.35%	Stable 96	55
50 aBasUSDCAave Base USDC	USDC	Aave V3	$192.18m	4.57%3.98%+0.59%	Stable 78	146,850

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