BTC DeFi Yields
The highest honest BTC yield right now is 5.11% on chainflip-amm (Bitcoin), among 22 pools above the $100K TVL floor. Rates are live from DefiLlama and exclude anomalous (>1000% APY) pools.
22 live pools above the $100K TVL floor · ranked by TVL
Pool data verified from DefiLlama at generation time: October 18, 2026. Rates change continuously.
BTC's largest live pool is justlend-v1 on Tron at 0.01% ($535.26M TVL). 22 BTC pools across 13 chains clear this page's $100K TVL floor, $795.76M in total.
Your idle BTC could earn ~1.47% — park $16.3K and it could run a $20/mo Claude Pro subscription, forever.
See live BTC pools →| Protocol | Chain | APY | TVL |
|---|---|---|---|
| justlend-v1 → | Tron | 0.01% | $535.26M |
| b14g → | Bitcoin | 0.19% | $143.08M |
| mezo-earn → | Mezo | 2.87% | $65.93M |
| midas-rwa → | Ethereum | 2.53% | $23.83M |
| chainflip-amm → | Bitcoin | 5.11% | $5.25M |
| midas-rwa → | Monad | 2.53% | $4.37M |
| chainflip-lending → | Bitcoin | 0.41% | $2.02M |
| liquidium → | ICP | 0.01% | $1.82M |
How BTC Yield is Generated
Yield on BTC comes from four primary on-chain mechanisms: lending spreads paid by borrowers on money markets, trading fees distributed to automated market maker (AMM) liquidity providers, native consensus or liquid staking rewards where applicable, and protocol incentives designed to attract liquidity.
Total APY reflects two distinct components: base APY (apyBase), earned directly from borrower interest or trading fees paid in the underlying asset, and reward APY (apyReward), distributed in secondary governance or incentive tokens that fluctuate independently.
All DeFi yields carry inherent risk. Smart contract vulnerabilities, protocol economic exploits, stablecoin depeg events, and liquidation cascades can result in loss of principal. DeFi products are not bank deposits and are not insured by the FDIC, SIPC, or any government entity. Information provided is for educational purposes only and does not constitute financial advice.
Rate stability from APY history
Based on APY history only, BTC's lower-variability candidates are liquidium (ICP), 0.01% APY, $1.82M TVL, https://www.defi.garden/?pool=8df2c295-0906-4d91-9dad-45353f41b99f#src=seo_token; justlend-v1 (Tron), 0.01% APY, $535.26M TVL, https://www.defi.garden/?pool=71418c17-d2aa-4eff-b68a-806fff9ec951#src=seo_token; b14g (Bitcoin), 0.19% APY, $143.08M TVL, https://www.defi.garden/?pool=b3168ff6-9cf8-4a14-97ca-0b21273c39ec#src=seo_token; midas-rwa (Ethereum), 2.53% APY, $23.83M TVL, https://www.defi.garden/?pool=d2b2bdd9-6535-4acc-8e84-2b0838bd63bb#src=seo_token; midas-rwa (Monad), 2.53% APY, $4.37M TVL, https://www.defi.garden/?pool=24514f34-853f-4678-9faa-7cebf550aba7#src=seo_token; mezo-earn (Mezo), 2.87% APY, $65.93M TVL, https://www.defi.garden/?pool=0d03f7c5-938c-4038-8483-aa3cf58c088c#src=seo_token; chainflip-lending (Bitcoin), 0.41% APY, $2.02M TVL, https://www.defi.garden/?pool=9309afc7-0b43-42a2-b4fb-d33e14356b66#src=seo_token; chainflip-amm (Bitcoin), 5.11% APY, $5.25M TVL, https://www.defi.garden/?pool=55b7d4ba-fe9a-4a26-ac49-965b6344a490#src=seo_token. This comparison does not measure protocol, exploit, depeg, liquidity, governance, or principal-loss risk.
| Rank | Protocol | Chain | APY | TVL |
|---|---|---|---|---|
| 1 | liquidium → | ICP | 0.01% | $1.82M |
| 2 | justlend-v1 → | Tron | 0.01% | $535.26M |
| 3 | b14g → | Bitcoin | 0.19% | $143.08M |
| 4 | midas-rwa → | Ethereum | 2.53% | $23.83M |
| 5 | midas-rwa → | Monad | 2.53% | $4.37M |
| 6 | mezo-earn → | Mezo | 2.87% | $65.93M |
| 7 | chainflip-lending → | Bitcoin | 0.41% | $2.02M |
| 8 | chainflip-amm → | Bitcoin | 5.11% | $5.25M |
How this rate has behaved
BTC shows up in 8 pools here, with rates from 0.01% to 5.11% APY across 6 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 1.48% — a useful check against today's number for whether the rate is steady or just having a good day.
1 of 8 pools blends 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.
| Protocol | APY | 30d Mean APY | Yield mix |
|---|---|---|---|
| justlend-v1 | 0.01% | 0.01% | Base rate |
| b14g | 0.19% | 0.13% | Base rate |
| mezo-earn | 2.87% | 2.84% | 98.98% incentives |
| midas-rwa | 2.53% | 2.53% | Base rate |
| chainflip-amm | 5.11% | 3.55% | Base rate |
| midas-rwa | 2.53% | 2.53% | Base rate |
| chainflip-lending | 0.41% | 0.43% | Base rate |
| liquidium | 0.01% | 0.01% | 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 BTC yield today?
5.11% APY on chainflip-amm (Bitcoin), based on live DefiLlama data.
How many BTC pools clear the TVL floor?
22 live pools clear this page's $100K TVL floor, $795.76M 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 BTC pools have the most stable APY history?
Based on APY history only, BTC's lower-variability candidates are liquidium (ICP), 0.01% APY, $1.82M TVL, https://www.defi.garden/?pool=8df2c295-0906-4d91-9dad-45353f41b99f#src=seo_token; justlend-v1 (Tron), 0.01% APY, $535.26M TVL, https://www.defi.garden/?pool=71418c17-d2aa-4eff-b68a-806fff9ec951#src=seo_token; b14g (Bitcoin), 0.19% APY, $143.08M TVL, https://www.defi.garden/?pool=b3168ff6-9cf8-4a14-97ca-0b21273c39ec#src=seo_token; midas-rwa (Ethereum), 2.53% APY, $23.83M TVL, https://www.defi.garden/?pool=d2b2bdd9-6535-4acc-8e84-2b0838bd63bb#src=seo_token; midas-rwa (Monad), 2.53% APY, $4.37M TVL, https://www.defi.garden/?pool=24514f34-853f-4678-9faa-7cebf550aba7#src=seo_token; mezo-earn (Mezo), 2.87% APY, $65.93M TVL, https://www.defi.garden/?pool=0d03f7c5-938c-4038-8483-aa3cf58c088c#src=seo_token; chainflip-lending (Bitcoin), 0.41% APY, $2.02M TVL, https://www.defi.garden/?pool=9309afc7-0b43-42a2-b4fb-d33e14356b66#src=seo_token; chainflip-amm (Bitcoin), 5.11% APY, $5.25M TVL, https://www.defi.garden/?pool=55b7d4ba-fe9a-4a26-ac49-965b6344a490#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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