Aave V3 USDE on Monad: APY, DeFi Score & 14-day forecast

Live APY

1.01%

30-day mean APY

1.08%

Base APY

0.01%

Reward APY

1.00%

TVL

$121.48M

Data as of October 18, 2026. Source: DefiLlama pool data; score and forecast computed by DeFi Garden.

DeFi Score: Yield Quality

Score 72.9 / 100

• Yield stability34.8 / 35
• Sustainability12.1 / 25
• Capital stickiness19.9 / 25
• Exit liquidity6.2 / 15

The score evaluates yield quality across four pillars (stability, fee sustainability, depositor stickiness, exit liquidity). Note: capital stickiness incorporates default estimates where on-chain wallet distribution is unindexed. Score and forecast details (MCP server)

14-day forecast band (experimental)

Model forecast for the next 14 days: median 1.01%, range 1.01% to 1.04% (p10 to p90).

Read: the model expects the rate to stay roughly flat, from 1.01% today to about 1.01%.

Low crash risk

Experimental model: across 22 resolved test runs, in 13 of 22 assuming today's rate holds was at least as accurate. Past multi-run evaluation is publicly documented.

APY history and forecast

• Observed APY
• Forecast median
• Forecast p10 to p90

Solid line: daily APY from DefiLlama. Shaded area: the model's p10 to p90 range, drawn as a straight fan from today's rate to the end of the forecast horizon (not daily quantiles). Dashed line: the model's median path.

What produces this yield

0.01% (1% of the total) is base yield: trading fees or interest paid by the protocol's users.

1.00% (99% of the total) comes from reward tokens the protocol emits to attract deposits. Emissions can be cut or end.

Exposure: a single asset.

DefiLlama flags no impermanent-loss risk for this pool.

Who can access it

Permissionless — anyone with a wallet

This project is not on DeFi Garden's list of restricted (KYC or accredited-only) projects. The protocol's own terms and regional restrictions can still apply.

Withdrawal notes

Exit liquidity pillar: 6.2 / 15, with $121.48M in the pool.

The model projects TVL of $113.18M in 14 days (-6.8%).

Lock-ups, cooldowns and withdrawal queues are set by the protocol's contracts and are not in the DefiLlama feed. Check the protocol's documentation before depositing.

Risks

• Smart-contract risk: a bug or exploit in the protocol or its dependencies can lose deposited funds.
• Reward decay: 99% of the headline APY is paid in emitted tokens, which can shrink or stop.
• Growing deposits: TVL changed +73% over the tracked window. That is one sign of demand, not a guarantee, and a rising TVL can dilute rewards.