APYUSD DeFi Yields
The highest honest APYUSD yield right now is 15.94% on pendle-v2 (Ethereum), among 16 pools above the $100K TVL floor. Rates are live from DefiLlama and exclude anomalous (>1000% APY) pools.
16 live pools above the $100K TVL floor · ranked by TVL
Pool data verified from DefiLlama at generation time: October 18, 2026. Rates change continuously.
APYUSD's largest live pool is pendle-v2 on Ethereum at 15.94% ($17.82M TVL). 16 APYUSD pools across 3 chains clear this page's $100K TVL floor, $110.68M in total.
Your idle APYUSD could earn ~14.18% — park $1.7K and it could run a $20/mo Claude Pro subscription, forever.
See live APYUSD pools →| Protocol | Chain | APY | TVL |
|---|---|---|---|
| pendle-v2 → | Ethereum | 15.94% | $17.82M |
| pendle-v2 → | Ethereum | 14.23% | $17.82M |
| curve-dex → | Ethereum | 7.52% | $16.42M |
| orca-dex → | Solana | 0.44% | $7.25M |
| hydration-dex → | Polkadot | 0.49% | $666.1K |
| pendle-v2 → | Ethereum | 14.28% | $120.4K |
| pendle-v2 → | Ethereum | 14.13% | $120.4K |
| uniswap-v4 → | Ethereum | 22.62% | $108.7K |
Rate stability from APY history
Based on APY history only, APYUSD's lower-variability candidates are orca-dex (Solana), 0.44% APY, $7.25M TVL, https://www.defi.garden/?pool=2bc1e48c-3395-587a-b52e-e75ff5e90beb#src=seo_token; pendle-v2 (Ethereum), 15.94% APY, $17.82M TVL, https://www.defi.garden/?pool=9fe33fd6-d3f3-4dbe-9187-7bff012e79f5#src=seo_token; hydration-dex (Polkadot), 0.49% APY, $666.1K TVL, https://www.defi.garden/?pool=b365d27e-3eb3-4d68-a5a4-ecdceda06c6b#src=seo_token; pendle-v2 (Ethereum), 14.23% APY, $17.82M TVL, https://www.defi.garden/?pool=8dc83a62-a160-4bcf-ac7f-a1f812a317dc#src=seo_token; curve-dex (Ethereum), 7.52% APY, $16.42M TVL, https://www.defi.garden/?pool=7b3e4cca-a90e-4a45-95ac-a6b637a850b2#src=seo_token. This comparison does not measure protocol, exploit, depeg, liquidity, governance, or principal-loss risk.
| Rank | Protocol | Chain | APY | TVL |
|---|---|---|---|---|
| 1 | orca-dex → | Solana | 0.44% | $7.25M |
| 2 | pendle-v2 → | Ethereum | 15.94% | $17.82M |
| 3 | hydration-dex → | Polkadot | 0.49% | $666.1K |
| 4 | pendle-v2 → | Ethereum | 14.23% | $17.82M |
| 5 | curve-dex → | Ethereum | 7.52% | $16.42M |
How this rate has behaved
APYUSD shows up in 8 pools here, with rates from 0.44% to 22.62% APY across 3 chains — the rate depends on which protocol and chain you pick, not just the token.
8 of these 8 pools have a trustworthy 30-day average on file, with a median of 14.54% — a useful check against today's number for whether the rate is steady or just having a good day.
2 of 8 pools blend in incentive or reward APY on top of the base rate. Incentive yield decays over time as reward programs run down — the base rate is the more durable number.
1 of 8 pools carries impermanent-loss risk, meaning a two-sided position can lose value against just holding, even while it earns yield.
| Protocol | APY | 30d Mean APY | Yield mix |
|---|---|---|---|
| pendle-v2 | 15.94% | 15.45% | Base rate |
| pendle-v2 | 14.23% | 14.53% | 0.44% incentives |
| curve-dex | 7.52% | 8.10% | Base rate |
| orca-dex | 0.44% | 0.33% | Base rate |
| hydration-dex | 0.49% | 0.76% | Base rate |
| pendle-v2 | 14.28% | 14.96% | 12.88% incentives |
| pendle-v2 | 14.13% | 14.55% | Base rate |
| uniswap-v4 | 22.62% | 14.56% | Base rate |
The 30-day average comes straight from DefiLlama and only appears when it passes the same sanity rail as every other number on this page — a dash means it didn't clear that bar, not that it's being hidden. Every pool here already clears a $100K minimum TVL. Rates move daily, so treat this as a snapshot, not a promise.
Frequently asked questions
What's the highest APYUSD yield today?
15.94% APY on pendle-v2 (Ethereum), based on live DefiLlama data.
How many APYUSD pools clear the TVL floor?
16 live pools clear this page's $100K TVL floor, $110.68M in total.
Are these rates safe?
Pools listed on this page clear a $100K minimum TVL and exclude anomalous (>1000% APY) rates — that is this page's listing bar, not a safety guarantee. This is education, not financial advice; DeFi carries smart-contract and market risk regardless of the rate shown.
Which APYUSD pools have the most stable APY history?
Based on APY history only, APYUSD's lower-variability candidates are orca-dex (Solana), 0.44% APY, $7.25M TVL, https://www.defi.garden/?pool=2bc1e48c-3395-587a-b52e-e75ff5e90beb#src=seo_token; pendle-v2 (Ethereum), 15.94% APY, $17.82M TVL, https://www.defi.garden/?pool=9fe33fd6-d3f3-4dbe-9187-7bff012e79f5#src=seo_token; hydration-dex (Polkadot), 0.49% APY, $666.1K TVL, https://www.defi.garden/?pool=b365d27e-3eb3-4d68-a5a4-ecdceda06c6b#src=seo_token; pendle-v2 (Ethereum), 14.23% APY, $17.82M TVL, https://www.defi.garden/?pool=8dc83a62-a160-4bcf-ac7f-a1f812a317dc#src=seo_token; curve-dex (Ethereum), 7.52% APY, $16.42M TVL, https://www.defi.garden/?pool=7b3e4cca-a90e-4a45-95ac-a6b637a850b2#src=seo_token. This comparison does not measure protocol, exploit, depeg, liquidity, governance, or principal-loss risk.
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Yields are live from DefiLlama. Pools on this page clear a $100K minimum TVL and exclude anomalous rates — that's this page's listing bar, not a safety guarantee. Education only, not financial advice.
Last updated October 18, 2026
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