Spark Savings yields: DeFi Score and 14-day forecast by pool
As of October 27, 2026, DeFi Garden scores 7 Spark Savings pools across 5 chains, with $1.38B in combined TVL. The median APY across these pools is 3.80%. The median 14-day central forecast is 3.80%. Pool types present: Lending (7).
- Scored pools
- 7
- Chains
- 5
- Total TVL
- $1.38B
- Median APY
- 3.80%
- Median 14-day forecast
- 3.80%
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 7 scored Spark Savings pools are distributed across DeFi Garden's score bands.
- AAA 3
- AA 4
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 |
|---|---|---|---|---|---|---|---|---|
| USDT | Ethereum | Lending | 3.75% | 3.37%–4.12% | 3.74% | 91.5 · AAA | Yield stability: HighSustainability: HighCapital stickiness: HighExit liquidity: High | $637.58M |
| USDS | Arbitrum | Lending | 3.80% | 3.42%–4.18% | 3.80% | 88.9 · AAA | Yield stability: HighSustainability: HighCapital stickiness: HighExit liquidity: High | $364.28M |
| USDC | Ethereum | Lending | 3.80% | 3.42%–4.18% | 3.80% | 87.5 · AAA | Yield stability: HighSustainability: HighCapital stickiness: HighExit liquidity: Medium | $298.53M |
| ETH | Ethereum | Lending | 1.45% | 1.31%–1.60% | 1.45% | 81.7 · AA | Yield stability: HighSustainability: HighCapital stickiness: HighExit liquidity: Low | $56.5M |
| USDG | Robinhood Chain | Lending | 3.80% | 3.42%–4.18% | 3.80% | 77.9 · AA | Yield stability: HighSustainability: HighCapital stickiness: HighExit liquidity: Low | $13.62M |
| USDS | Base | Lending | 3.80% | 3.42%–4.18% | 3.80% | 81.5 · AA | Yield stability: HighSustainability: HighCapital stickiness: HighExit liquidity: Low | $12.06M |
| USDC | Avalanche | Lending | 3.80% | 3.42%–4.18% | 3.80% | 75.5 · AA | Yield stability: HighSustainability: HighCapital stickiness: MediumExit liquidity: Low | $1.54M |
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 | 3 | 3.75% | $992.62M |
| Arbitrum | 1 | 3.80% | $364.28M |
| Robinhood Chain | 1 | 3.80% | $13.62M |
| Base | 1 | 3.80% | $12.06M |
| Avalanche | 1 | 3.80% | $1.54M |
By pool type
| Type | Pools | Median APY | TVL |
|---|---|---|---|
| Lending | 7 | 3.80% | $1.38B |
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.