Spark Savings USDT on Ethereum: APY, DeFi Score & 14-day forecast
- Live APY
- 3.50%
- 30-day mean APY
- 3.46%
- Base APY
- 3.50%
- Reward APY
- 0.00%
- TVL
- $446.95M
Data as of October 5, 2026. Source: DefiLlama pool data; score and forecast computed by DeFi Garden.
Open in the Decision Terminal → Go to Spark Savings →DeFi Score
Score 90.4 / 100
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Yield stability34.3 / 35
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Sustainability22.0 / 25
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Capital stickiness21.1 / 25
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Exit liquidity13.0 / 15
The score blends four pillars computed by DeFi Garden from DefiLlama history and a forecasting model. It is a model output, not a guarantee. How the score and forecast are computed
14-day forecast band
Model forecast for the next 14 days: median 3.50%, range 3.33% to 3.50% (p10 to p90).
| Low case (p10) | 3.33% |
|---|---|
| Median (p50) | 3.50% |
| High case (p90) | 3.50% |
Read: the model expects the rate to stay roughly flat, from 3.50% today to about 3.50%.
Low crash risk
This is a model forecast built from past data, not a promise. Actual rates can land outside the range.
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
3.50% (100% of the total) is base yield: trading fees or interest paid by the protocol's users.
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: 13.0 / 15, with $446.95M in the pool.
The model projects TVL of $443.12M in 14 days (-0.9%).
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.
- Growing deposits: TVL changed +25.3% over the tracked window. That is one sign of demand, not a guarantee, and a rising TVL can dilute rewards.
Education, not financial advice. DeFi carries smart-contract, market and regulatory risk, and you can lose money.
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