DAI DeFi Yields
The highest honest DAI yield right now is 8.38% on sushiswap-v3 (Ethereum), among 66 pools above the $100K TVL floor. Rates are live from DefiLlama and exclude anomalous (>1000% APY) pools.
66 live pools above the $100K TVL floor · ranked by TVL
Pool data verified from DefiLlama at generation time: October 18, 2026. Rates change continuously.
DAI's largest live pool is sparklend on Ethereum at 2.85% ($76.02M TVL). 66 DAI pools across 9 chains clear this page's $100K TVL floor, $314.96M in total.
Your idle DAI could earn ~3.17% — park $7.6K and it could run a $20/mo Claude Pro subscription, forever.
See live DAI pools →| Protocol | Chain | APY | TVL |
|---|---|---|---|
| sparklend → | Ethereum | 2.85% | $76.02M |
| aave-v3 → | Ethereum | 3.40% | $11.17M |
| uniswap-v2 → | Ethereum | 1.90% | $9M |
| sushiswap-v3 → | Ethereum | 8.38% | $8.96M |
| yearn-finance → | Ethereum | 3.13% | $6.76M |
| quickswap-dex → | Polygon | 0.65% | $4.38M |
| uniswap-v3 → | Ethereum | 5.64% | $3.36M |
| uniswap-v3 → | Ethereum | 3.21% | $1.47M |
How DAI Yield is Generated
Yield on DAI 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, DAI's lower-variability candidates are quickswap-dex (Polygon), 0.65% APY, $4.38M TVL, https://www.defi.garden/?pool=e21e94a1-1ad0-4b9c-965b-7d4efe95de76#src=seo_token; sparklend (Ethereum), 2.85% APY, $76.02M TVL, https://www.defi.garden/?pool=e26ce7d9-db75-4aa4-b1db-cc21ae17bdfb#src=seo_token; aave-v3 (Ethereum), 3.40% APY, $11.17M TVL, https://www.defi.garden/?pool=3665ee7e-6c5d-49d9-abb7-c47ab5d9d4ac#src=seo_token; yearn-finance (Ethereum), 3.13% APY, $6.76M TVL, https://www.defi.garden/?pool=3fbb0e46-2efe-47cc-acbe-5c892fa56845#src=seo_token; uniswap-v2 (Ethereum), 1.90% APY, $9M TVL, https://www.defi.garden/?pool=011b1887-e763-44cc-be06-7764fc3d194c#src=seo_token; sushiswap-v3 (Ethereum), 8.38% APY, $8.96M TVL, https://www.defi.garden/?pool=089a0c17-446b-4bbd-97ee-882e30684ad7#src=seo_token; uniswap-v3 (Ethereum), 5.64% APY, $3.36M TVL, https://www.defi.garden/?pool=c7a4d490-cd63-49a2-a969-61854b80344e#src=seo_token; uniswap-v3 (Ethereum), 3.21% APY, $1.47M TVL, https://www.defi.garden/?pool=6e4f40e1-36a5-4f86-bea5-a1781c002a45#src=seo_token. This comparison does not measure protocol, exploit, depeg, liquidity, governance, or principal-loss risk.
| Rank | Protocol | Chain | APY | TVL |
|---|---|---|---|---|
| 1 | quickswap-dex → | Polygon | 0.65% | $4.38M |
| 2 | sparklend → | Ethereum | 2.85% | $76.02M |
| 3 | aave-v3 → | Ethereum | 3.40% | $11.17M |
| 4 | yearn-finance → | Ethereum | 3.13% | $6.76M |
| 5 | uniswap-v2 → | Ethereum | 1.90% | $9M |
| 6 | sushiswap-v3 → | Ethereum | 8.38% | $8.96M |
| 7 | uniswap-v3 → | Ethereum | 5.64% | $3.36M |
| 8 | uniswap-v3 → | Ethereum | 3.21% | $1.47M |
How this rate has behaved
DAI shows up in 8 pools here, with rates from 0.65% to 8.38% APY across 2 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 3.09% — a useful check against today's number for whether the rate is steady or just having a good day.
All 8 pools pay a plain base rate right now — no incentive or reward APY mixed in.
5 of 8 pools carry 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 |
|---|---|---|---|
| sparklend | 2.85% | 2.73% | Base rate |
| aave-v3 | 3.40% | 3.28% | Base rate |
| uniswap-v2 | 1.90% | 2.24% | Base rate |
| sushiswap-v3 | 8.38% | 9.61% | Base rate |
| yearn-finance | 3.13% | 2.90% | Base rate |
| quickswap-dex | 0.65% | 0.58% | Base rate |
| uniswap-v3 | 5.64% | 7.43% | Base rate |
| uniswap-v3 | 3.21% | 7.00% | 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 DAI yield today?
8.38% APY on sushiswap-v3 (Ethereum), based on live DefiLlama data.
How many DAI pools clear the TVL floor?
66 live pools clear this page's $100K TVL floor, $314.96M 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 DAI pools have the most stable APY history?
Based on APY history only, DAI's lower-variability candidates are quickswap-dex (Polygon), 0.65% APY, $4.38M TVL, https://www.defi.garden/?pool=e21e94a1-1ad0-4b9c-965b-7d4efe95de76#src=seo_token; sparklend (Ethereum), 2.85% APY, $76.02M TVL, https://www.defi.garden/?pool=e26ce7d9-db75-4aa4-b1db-cc21ae17bdfb#src=seo_token; aave-v3 (Ethereum), 3.40% APY, $11.17M TVL, https://www.defi.garden/?pool=3665ee7e-6c5d-49d9-abb7-c47ab5d9d4ac#src=seo_token; yearn-finance (Ethereum), 3.13% APY, $6.76M TVL, https://www.defi.garden/?pool=3fbb0e46-2efe-47cc-acbe-5c892fa56845#src=seo_token; uniswap-v2 (Ethereum), 1.90% APY, $9M TVL, https://www.defi.garden/?pool=011b1887-e763-44cc-be06-7764fc3d194c#src=seo_token; sushiswap-v3 (Ethereum), 8.38% APY, $8.96M TVL, https://www.defi.garden/?pool=089a0c17-446b-4bbd-97ee-882e30684ad7#src=seo_token; uniswap-v3 (Ethereum), 5.64% APY, $3.36M TVL, https://www.defi.garden/?pool=c7a4d490-cd63-49a2-a969-61854b80344e#src=seo_token; uniswap-v3 (Ethereum), 3.21% APY, $1.47M TVL, https://www.defi.garden/?pool=6e4f40e1-36a5-4f86-bea5-a1781c002a45#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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