Fluid Lending yields: DeFi Score and 14-day forecast by pool
As of October 27, 2026, DeFi Garden scores 36 Fluid Lending pools across 5 chains, with $571.43M in combined TVL. The median APY across these pools is 1.59%. The median 14-day central forecast is 1.77%. Pool types present: Yield Farming (36).
- Scored pools
- 36
- Chains
- 5
- Total TVL
- $571.43M
- Median APY
- 1.59%
- Median 14-day forecast
- 1.77%
Data as of October 27, 2026. Source: DefiLlama; pools below the TVL floor or above the APY sanity limit are excluded. Pools under 0.1% APY, such as collateral-only markets, are not listed.
Rating distribution
How the 36 scored Fluid Lending pools are distributed across DeFi Garden's score bands.
- AA 35
- A 1
Bands (AAA, AA, A, BBB, HIGH RISK) are DeFi Garden's own model output, not a credit rating from a registered credit rating agency. The distribution describes yield quality as modelled, not the protocol's security record.
Scored pools
| Pool | Chain | Type | APY now | 14-day range | 14-day central | DeFi Score | Pillar tiers | TVL |
|---|---|---|---|---|---|---|---|---|
| USDC | Ethereum | Yield Farming | 5.86% | 4.73%–7.86% | 5.99% | 78.8 · AA | Yield stability: HighSustainability: HighCapital stickiness: HighExit liquidity: Medium | $140.6M |
| USDT | Ethereum | Yield Farming | 4.23% | 3.83%–4.83% | 4.25% | 81.9 · AA | Yield stability: HighSustainability: HighCapital stickiness: HighExit liquidity: Medium | $128.2M |
| USDC | Arbitrum | Yield Farming | 3.97% | 3.17%–6.61% | 4.77% | 74.6 · AA | Yield stability: HighSustainability: HighCapital stickiness: HighExit liquidity: Low | $65.27M |
| ETH | Ethereum | Yield Farming | 1.59% | 1.55%–2.05% | 1.79% | 79.1 · AA | Yield stability: HighSustainability: HighCapital stickiness: HighExit liquidity: Low | $57.23M |
| ETH | Ethereum | Yield Farming | 1.59% | 1.55%–2.06% | 1.78% | 78.9 · AA | Yield stability: HighSustainability: HighCapital stickiness: HighExit liquidity: Low | $54.58M |
| USD₮0 | Arbitrum | Yield Farming | 4.06% | 3.69%–4.65% | 4.09% | 79.6 · AA | Yield stability: HighSustainability: HighCapital stickiness: HighExit liquidity: Low | $40.16M |
| USDT0 | Plasma | Yield Farming | 4.32% | 3.86%–5.15% | 4.51% | 78.6 · AA | Yield stability: HighSustainability: HighCapital stickiness: HighExit liquidity: Low | $22.81M |
| GHO | Ethereum | Yield Farming | 6.11% | 5.16%–7.57% | 6.21% | 75.3 · AA | Yield stability: HighSustainability: HighCapital stickiness: HighExit liquidity: Low | $22.36M |
| USDC | Base | Yield Farming | 5.55% | 1.92%–9.37% | 5.30% | 61.8 · A | Yield stability: MediumSustainability: HighCapital stickiness: HighExit liquidity: Low | $7.59M |
| CBBTC | Ethereum | Yield Farming | 0.13% | 0.15%–0.24% | 0.20% | 81.0 · AA | Yield stability: HighSustainability: HighCapital stickiness: HighExit liquidity: Low | $5.87M |
| ETH | Arbitrum | Yield Farming | 0.95% | 0.87%–1.11% | 0.97% | 79.1 · AA | Yield stability: HighSustainability: HighCapital stickiness: HighExit liquidity: Low | $5.47M |
| ETH | Base | Yield Farming | 0.77% | 0.61%–1.03% | 0.78% | 78.9 · AA | Yield stability: HighSustainability: HighCapital stickiness: HighExit liquidity: Low | $3.31M |
| CBBTC | Ethereum | Yield Farming | 0.13% | 0.14%–0.24% | 0.20% | 81.4 · AA | Yield stability: HighSustainability: HighCapital stickiness: HighExit liquidity: Low | $2.37M |
| GHO | Arbitrum | Yield Farming | 6.45% | 4.77%–9.70% | 5.74% | 71.5 · AA | Yield stability: HighSustainability: HighCapital stickiness: HighExit liquidity: Low | $2M |
| ETH | Ethereum | Yield Farming | 1.59% | 1.54%–2.04% | 1.79% | 78.0 · AA | Yield stability: HighSustainability: HighCapital stickiness: HighExit liquidity: Low | $1.93M |
| WETH | Ethereum | Yield Farming | 1.59% | 1.47%–1.90% | 1.63% | 77.1 · AA | Yield stability: HighSustainability: HighCapital stickiness: HighExit liquidity: Low | $1.79M |
| ETH | Arbitrum | Yield Farming | 0.95% | 0.86%–1.06% | 0.95% | 80.6 · AA | Yield stability: HighSustainability: HighCapital stickiness: HighExit liquidity: Low | $1.56M |
| USDTB | Ethereum | Yield Farming | 4.89% | 4.85%–6.72% | 5.81% | 78.6 · AA | Yield stability: HighSustainability: HighCapital stickiness: HighExit liquidity: Low | $1.54M |
| EURC | Base | Yield Farming | 2.59% | 2.39%–2.90% | 2.64% | 80.2 · AA | Yield stability: HighSustainability: HighCapital stickiness: HighExit liquidity: Low | $1.24M |
| ETH | Ethereum | Yield Farming | 1.59% | 1.52%–2.03% | 1.77% | 78.3 · AA | Yield stability: HighSustainability: HighCapital stickiness: HighExit liquidity: Low | $930.2K |
| USDC | Ethereum | Yield Farming | 5.86% | 4.72%–7.34% | 5.94% | 77.1 · AA | Yield stability: HighSustainability: HighCapital stickiness: HighExit liquidity: Low | $558.8K |
| USDT0 | Polygon | Yield Farming | 4.87% | 2.96%–6.35% | 4.38% | 72.8 · AA | Yield stability: HighSustainability: HighCapital stickiness: HighExit liquidity: Low | $458.6K |
| GHO | Base | Yield Farming | 3.96% | 3.58%–4.37% | 3.97% | 81.3 · AA | Yield stability: HighSustainability: HighCapital stickiness: HighExit liquidity: Low | $440.7K |
| WETH | Arbitrum | Yield Farming | 0.95% | 0.86%–1.07% | 0.96% | 80.5 · AA | Yield stability: HighSustainability: HighCapital stickiness: HighExit liquidity: Low | $391.9K |
| ETH | Arbitrum | Yield Farming | 0.95% | 0.87%–1.09% | 0.96% | 78.4 · AA | Yield stability: HighSustainability: HighCapital stickiness: HighExit liquidity: Low | $390.8K |
| WETH | Polygon | Yield Farming | 0.69% | 0.61%–0.76% | 0.68% | 80.8 · AA | Yield stability: HighSustainability: HighCapital stickiness: HighExit liquidity: Low | $338K |
| ETH | Ethereum | Yield Farming | 1.59% | 1.44%–1.95% | 1.77% | 71.9 · AA | Yield stability: HighSustainability: HighCapital stickiness: MediumExit liquidity: Low | $315.3K |
| ARB | Arbitrum | Yield Farming | 1.62% | 1.31%–1.63% | 1.47% | 79.9 · AA | Yield stability: HighSustainability: HighCapital stickiness: HighExit liquidity: Low | $297.8K |
| ETH | Arbitrum | Yield Farming | 0.95% | 0.87%–1.09% | 0.96% | 79.6 · AA | Yield stability: HighSustainability: HighCapital stickiness: HighExit liquidity: Low | $289.6K |
| USDC | Polygon | Yield Farming | 3.91% | 3.07%–4.45% | 3.76% | 77.5 · AA | Yield stability: HighSustainability: HighCapital stickiness: HighExit liquidity: Low | $238.7K |
| ETH | Base | Yield Farming | 0.77% | 0.63%–1.02% | 0.78% | 78.2 · AA | Yield stability: HighSustainability: HighCapital stickiness: HighExit liquidity: Low | $213.6K |
| ETH | Base | Yield Farming | 0.77% | 0.63%–1.01% | 0.78% | 78.2 · AA | Yield stability: HighSustainability: HighCapital stickiness: HighExit liquidity: Low | $172.9K |
| WETH | Polygon | Yield Farming | 0.69% | 0.62%–0.76% | 0.69% | 79.9 · AA | Yield stability: HighSustainability: HighCapital stickiness: HighExit liquidity: Low | $158K |
| CBBTC | Ethereum | Yield Farming | 0.13% | 0.15%–0.24% | 0.20% | 81.4 · AA | Yield stability: HighSustainability: HighCapital stickiness: HighExit liquidity: Low | $137.9K |
| WETH | Polygon | Yield Farming | 0.69% | 0.63%–0.77% | 0.69% | 80.9 · AA | Yield stability: HighSustainability: HighCapital stickiness: HighExit liquidity: Low | $135.1K |
| WETH | Polygon | Yield Farming | 0.69% | 0.62%–0.76% | 0.69% | 79.9 · AA | Yield stability: HighSustainability: HighCapital stickiness: HighExit liquidity: Low | $107K |
Pillar tiers, in order: yield stability, sustainability, capital stickiness, exit liquidity. H = High, M = Medium, L = Low.
By chain
| Chain | Pools | Median APY | TVL |
|---|---|---|---|
| Ethereum | 14 | 1.59% | $418.4M |
| Arbitrum | 9 | 0.95% | $115.83M |
| Plasma | 1 | 4.32% | $22.81M |
| Base | 6 | 1.68% | $12.96M |
| Polygon | 6 | 0.69% | $1.44M |
By pool type
| Type | Pools | Median APY | TVL |
|---|---|---|---|
| Yield Farming | 36 | 1.59% | $571.43M |
Figures come from DefiLlama pool data; scores and forecasts are computed by DeFi Garden and can be wrong.
Education, not financial advice. DeFi carries smart-contract, market and regulatory risk, and you can lose money.