DAI DeFi Yields
The highest honest DAI yield right now is 11.17% on sushiswap-v3 (Ethereum), among 67 pools above the $100K TVL floor. Rates are live from DefiLlama and exclude anomalous (>1000% APY) pools.
67 live pools above the $100K TVL floor · ranked by TVL
DAI's largest live pool is sparklend on Ethereum at 2.40% ($100.95M TVL). 67 DAI pools across 1 chain clear this page's $100K TVL floor, $348.82M in total.
Your idle DAI could earn ~3.13% — park $7.7K and it could run a $20/mo Claude Pro subscription, forever.
See live DAI pools →| Protocol | Chain | APY | TVL |
|---|---|---|---|
| sparklend → | Ethereum | 2.40% | $100.95M |
| aave-v3 → | Ethereum | 3.00% | $18.66M |
| uniswap-v2 → | Ethereum | 2.61% | $9.01M |
| sushiswap-v3 → | Ethereum | 11.17% | $8.96M |
| yearn-finance → | Ethereum | 3.26% | $7.43M |
| uniswap-v3 → | Ethereum | 8.10% | $3.49M |
| uniswap-v3 → | Ethereum | 1.59% | $1.48M |
| uniswap-v3 → | Ethereum | 3.46% | $1.46M |
Rate stability from APY history
Based on APY history only, DAI's lower-variability candidates are sparklend (Ethereum), 2.40% APY, $100.95M TVL, https://www.defi.garden/?pool=e26ce7d9-db75-4aa4-b1db-cc21ae17bdfb&src=seo_token; aave-v3 (Ethereum), 3.00% APY, $18.66M TVL, https://www.defi.garden/?pool=3665ee7e-6c5d-49d9-abb7-c47ab5d9d4ac&src=seo_token; uniswap-v3 (Ethereum), 3.46% APY, $1.46M TVL, https://www.defi.garden/?pool=802d35a2-5bae-456f-a2a9-4e1b48e0dec5&src=seo_token; yearn-finance (Ethereum), 3.26% APY, $7.43M TVL, https://www.defi.garden/?pool=3fbb0e46-2efe-47cc-acbe-5c892fa56845&src=seo_token; uniswap-v2 (Ethereum), 2.61% APY, $9.01M TVL, https://www.defi.garden/?pool=011b1887-e763-44cc-be06-7764fc3d194c&src=seo_token; sushiswap-v3 (Ethereum), 11.17% APY, $8.96M TVL, https://www.defi.garden/?pool=089a0c17-446b-4bbd-97ee-882e30684ad7&src=seo_token; uniswap-v3 (Ethereum), 8.10% APY, $3.49M TVL, https://www.defi.garden/?pool=c7a4d490-cd63-49a2-a969-61854b80344e&src=seo_token; uniswap-v3 (Ethereum), 1.59% APY, $1.48M 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 | sparklend → | Ethereum | 2.40% | $100.95M |
| 2 | aave-v3 → | Ethereum | 3.00% | $18.66M |
| 3 | uniswap-v3 → | Ethereum | 3.46% | $1.46M |
| 4 | yearn-finance → | Ethereum | 3.26% | $7.43M |
| 5 | uniswap-v2 → | Ethereum | 2.61% | $9.01M |
| 6 | sushiswap-v3 → | Ethereum | 11.17% | $8.96M |
| 7 | uniswap-v3 → | Ethereum | 8.10% | $3.49M |
| 8 | uniswap-v3 → | Ethereum | 1.59% | $1.48M |
How this rate has behaved
DAI shows up in 8 pools here, with rates from 1.59% to 11.17% APY across 1 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 4.74% — 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.
4 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 | 2.40% | 2.17% | Base rate |
| aave-v3 | 3.00% | 2.85% | Base rate |
| uniswap-v2 | 2.61% | 2.68% | Base rate |
| sushiswap-v3 | 11.17% | 10.65% | Base rate |
| yearn-finance | 3.26% | 3.14% | Base rate |
| uniswap-v3 | 8.10% | 8.21% | Base rate |
| uniswap-v3 | 1.59% | 13.11% | Base rate |
| uniswap-v3 | 3.46% | 6.34% | 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?
11.17% APY on sushiswap-v3 (Ethereum), based on live DefiLlama data.
How many DAI pools clear the TVL floor?
67 live pools clear this page's $100K TVL floor, $348.82M 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 sparklend (Ethereum), 2.40% APY, $100.95M TVL, https://www.defi.garden/?pool=e26ce7d9-db75-4aa4-b1db-cc21ae17bdfb&src=seo_token; aave-v3 (Ethereum), 3.00% APY, $18.66M TVL, https://www.defi.garden/?pool=3665ee7e-6c5d-49d9-abb7-c47ab5d9d4ac&src=seo_token; uniswap-v3 (Ethereum), 3.46% APY, $1.46M TVL, https://www.defi.garden/?pool=802d35a2-5bae-456f-a2a9-4e1b48e0dec5&src=seo_token; yearn-finance (Ethereum), 3.26% APY, $7.43M TVL, https://www.defi.garden/?pool=3fbb0e46-2efe-47cc-acbe-5c892fa56845&src=seo_token; uniswap-v2 (Ethereum), 2.61% APY, $9.01M TVL, https://www.defi.garden/?pool=011b1887-e763-44cc-be06-7764fc3d194c&src=seo_token; sushiswap-v3 (Ethereum), 11.17% APY, $8.96M TVL, https://www.defi.garden/?pool=089a0c17-446b-4bbd-97ee-882e30684ad7&src=seo_token; uniswap-v3 (Ethereum), 8.10% APY, $3.49M TVL, https://www.defi.garden/?pool=c7a4d490-cd63-49a2-a969-61854b80344e&src=seo_token; uniswap-v3 (Ethereum), 1.59% APY, $1.48M 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 September 2, 2026
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