EARNAUSD DeFi Yields
The highest honest EARNAUSD yield right now is 9.76% on pendle (Monad), among 8 pools above the $100K TVL floor. Rates are live from DefiLlama and exclude anomalous (>1000% APY) pools.
8 live pools above the $100K TVL floor · ranked by TVL
EARNAUSD's largest live pool is upshift on Monad at 4.76% ($23.65M TVL). 8 EARNAUSD pools across 1 chain clear this page's $100K TVL floor, $39.26M in total.
Your idle EARNAUSD could earn ~2.50% — park $9.6K and it could run a $20/mo Claude Pro subscription, forever.
See live EARNAUSD pools →| Protocol | Chain | APY | TVL |
|---|---|---|---|
| upshift → | Monad | 4.76% | $23.65M |
| curvance → | Monad | 0.82% | $2.41M |
| pendle → | Monad | 9.03% | $2.2M |
| pendle → | Monad | 9.76% | $2.2M |
| neverland → | Monad | 0.99% | $1.7M |
| morpho-blue → | Monad | 2.50% | $807.3K |
| curvance → | Monad | 0.20% | $776.9K |
Rate stability from APY history
Based on APY history only, EARNAUSD's lower-variability candidates are curvance (Monad), 0.20% APY, $776.9K TVL, https://www.defi.garden/?pool=83d85308-41e5-5736-a2a3-03c56c9ce6a0&src=seo_token; morpho-blue (Monad), 2.50% APY, $807.3K TVL, https://www.defi.garden/?pool=aca3847e-76cc-4a8d-b247-9ba023cea7a4&src=seo_token; curvance (Monad), 0.82% APY, $2.41M TVL, https://www.defi.garden/?pool=0f3df3ac-888b-4412-8ddd-33d4b5745e34&src=seo_token; pendle (Monad), 9.03% APY, $2.2M TVL, https://www.defi.garden/?pool=7753ed14-c1f6-44be-84df-343023cd7235&src=seo_token; upshift (Monad), 4.76% APY, $23.65M TVL, https://www.defi.garden/?pool=e10580de-1ad2-4bbc-a0e8-ad4db95df4a3&src=seo_token; pendle (Monad), 9.76% APY, $2.2M TVL, https://www.defi.garden/?pool=d688ccec-d5ab-4622-9a1e-c1c0534712df&src=seo_token; neverland (Monad), 0.99% APY, $1.7M 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 | 0.20% | $776.9K |
| 2 | morpho-blue → | Monad | 2.50% | $807.3K |
| 3 | curvance → | Monad | 0.82% | $2.41M |
| 4 | pendle → | Monad | 9.03% | $2.2M |
| 5 | upshift → | Monad | 4.76% | $23.65M |
| 6 | pendle → | Monad | 9.76% | $2.2M |
| 7 | neverland → | Monad | 0.99% | $1.7M |
How this rate has behaved
EARNAUSD shows up in 7 pools here, with rates from 0.20% to 9.76% APY across 1 chains — the rate depends on which protocol and chain you pick, not just the token.
7 of these 7 pools have a trustworthy 30-day average on file, with a median of 1.93% — a useful check against today's number for whether the rate is steady or just having a good day.
6 of 7 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 7 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 |
|---|---|---|---|
| upshift | 4.76% | 5.64% | 12.93% incentives |
| curvance | 0.82% | 0.81% | 100.00% incentives |
| pendle | 9.03% | 9.88% | Base rate |
| pendle | 9.76% | 9.16% | 21.72% incentives |
| neverland | 0.99% | 1.41% | 100.00% incentives |
| morpho-blue | 2.50% | 1.93% | 100.00% incentives |
| curvance | 0.20% | 0.20% | 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?
9.76% APY on pendle (Monad), based on live DefiLlama data.
How many EARNAUSD pools clear the TVL floor?
8 live pools clear this page's $100K TVL floor, $39.26M 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), 0.20% APY, $776.9K TVL, https://www.defi.garden/?pool=83d85308-41e5-5736-a2a3-03c56c9ce6a0&src=seo_token; morpho-blue (Monad), 2.50% APY, $807.3K TVL, https://www.defi.garden/?pool=aca3847e-76cc-4a8d-b247-9ba023cea7a4&src=seo_token; curvance (Monad), 0.82% APY, $2.41M TVL, https://www.defi.garden/?pool=0f3df3ac-888b-4412-8ddd-33d4b5745e34&src=seo_token; pendle (Monad), 9.03% APY, $2.2M TVL, https://www.defi.garden/?pool=7753ed14-c1f6-44be-84df-343023cd7235&src=seo_token; upshift (Monad), 4.76% APY, $23.65M TVL, https://www.defi.garden/?pool=e10580de-1ad2-4bbc-a0e8-ad4db95df4a3&src=seo_token; pendle (Monad), 9.76% APY, $2.2M TVL, https://www.defi.garden/?pool=d688ccec-d5ab-4622-9a1e-c1c0534712df&src=seo_token; neverland (Monad), 0.99% APY, $1.7M 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.
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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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