EARNAUSD DeFi Yields
The highest honest EARNAUSD yield right now is 8.09% on pendle-v2 (Monad), among 6 pools above the $100K TVL floor. Rates are live from DefiLlama and exclude anomalous (>1000% APY) pools.
6 live pools above the $100K TVL floor · ranked by TVL
Pool data verified from DefiLlama at generation time: October 18, 2026. Rates change continuously.
EARNAUSD's largest live pool is upshift on Monad at 3.98% ($17.69M TVL). 6 EARNAUSD pools across 1 chain clear this page's $100K TVL floor, $32.23M in total.
Your idle EARNAUSD could earn ~3.98% — park $6K and it could run a $20/mo Claude Pro subscription, forever.
See live EARNAUSD pools →| Protocol | Chain | APY | TVL |
|---|---|---|---|
| upshift → | Monad | 3.98% | $17.69M |
| pendle-v2 → | Monad | 7.23% | $1.38M |
| pendle-v2 → | Monad | 8.09% | $1.38M |
| curvance → | Monad | 0.51% | $1.36M |
| neverland → | Monad | 1.52% | $684.1K |
Rate stability from APY history
Based on APY history only, EARNAUSD's lower-variability candidates are curvance (Monad), 0.51% APY, $1.36M TVL, https://www.defi.garden/?pool=0f3df3ac-888b-4412-8ddd-33d4b5745e34#src=seo_token; upshift (Monad), 3.98% APY, $17.69M TVL, https://www.defi.garden/?pool=e10580de-1ad2-4bbc-a0e8-ad4db95df4a3#src=seo_token; neverland (Monad), 1.52% APY, $684.1K TVL, https://www.defi.garden/?pool=60f6cb66-25c3-42da-a4ff-796937f3a2d2#src=seo_token. This comparison does not measure protocol, exploit, depeg, liquidity, governance, or principal-loss risk.
| Rank | Protocol | Chain | APY | TVL |
|---|---|---|---|---|
| 1 | curvance → | Monad | 0.51% | $1.36M |
| 2 | upshift → | Monad | 3.98% | $17.69M |
| 3 | neverland → | Monad | 1.52% | $684.1K |
How this rate has behaved
EARNAUSD shows up in 5 pools here, with rates from 0.51% to 8.09% APY across 1 chains — the rate depends on which protocol and chain you pick, not just the token.
5 of these 5 pools have a trustworthy 30-day average on file, with a median of 5.87% — a useful check against today's number for whether the rate is steady or just having a good day.
4 of 5 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.
| Protocol | APY | 30d Mean APY | Yield mix |
|---|---|---|---|
| upshift | 3.98% | 5.87% | 12.76% incentives |
| pendle-v2 | 7.23% | 7.93% | Base rate |
| pendle-v2 | 8.09% | 10.39% | 9.53% incentives |
| curvance | 0.51% | 0.57% | 100.00% incentives |
| neverland | 1.52% | 1.45% | 100.00% incentives |
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 EARNAUSD yield today?
8.09% APY on pendle-v2 (Monad), based on live DefiLlama data.
How many EARNAUSD pools clear the TVL floor?
6 live pools clear this page's $100K TVL floor, $32.23M 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 EARNAUSD pools have the most stable APY history?
Based on APY history only, EARNAUSD's lower-variability candidates are curvance (Monad), 0.51% APY, $1.36M TVL, https://www.defi.garden/?pool=0f3df3ac-888b-4412-8ddd-33d4b5745e34#src=seo_token; upshift (Monad), 3.98% APY, $17.69M TVL, https://www.defi.garden/?pool=e10580de-1ad2-4bbc-a0e8-ad4db95df4a3#src=seo_token; neverland (Monad), 1.52% APY, $684.1K TVL, https://www.defi.garden/?pool=60f6cb66-25c3-42da-a4ff-796937f3a2d2#src=seo_token. This comparison does not measure protocol, exploit, depeg, liquidity, governance, or principal-loss risk.
EARNAUSD Yield Card • Powered by Laso
Spend your EARNAUSD yield anywhere Visa is accepted worldwide. Your principal stays 100% self-custodial on Base.
Get EARNAUSD Card on Laso.finance →Sponsored partner referral • Zero issuance fee • Worldwide Visa Debit
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
DeFi Garden 🌱 — plan your DeFi savings by goal.