GHO DeFi Yields
The highest honest GHO yield right now is 8.25% on fluid-lending (Plasma), among 31 pools above the $100K TVL floor. Rates are live from DefiLlama and exclude anomalous (>1000% APY) pools.
31 live pools above the $100K TVL floor · ranked by TVL
Pool data verified from DefiLlama at generation time: October 18, 2026. Rates change continuously.
GHO's largest live pool is aave-v3 on Ethereum at 1.18% ($35.74M TVL). 31 GHO pools across 7 chains clear this page's $100K TVL floor, $163.88M in total.
Your idle GHO could earn ~5.21% — park $4.6K and it could run a $20/mo Claude Pro subscription, forever.
See live GHO pools →| Protocol | Chain | APY | TVL |
|---|---|---|---|
| aave-v3 → | Ethereum | 1.18% | $35.74M |
| fluid-lending → | Ethereum | 5.43% | $24.16M |
| aave-v3 → | Ethereum | 2.92% | $11.05M |
| fluid-lending → | Plasma | 8.25% | $7.88M |
| fluid-lending → | Arbitrum | 4.98% | $2.33M |
| aave-v3 → | Plasma | 5.73% | $1.95M |
| aave-v3 → | Monad | 5.73% | $1.89M |
| curve-dex → | Ethereum | 3.39% | $1.57M |
Rate stability from APY history
Based on APY history only, GHO's lower-variability candidates are aave-v3 (Ethereum), 1.18% APY, $35.74M TVL, https://www.defi.garden/?pool=76ffb695-7fcf-418c-a368-4a9a2dc76f70#src=seo_token; aave-v3 (Ethereum), 2.92% APY, $11.05M TVL, https://www.defi.garden/?pool=41683a7c-20a2-4cd7-83a7-3ccedaad0db1#src=seo_token; aave-v3 (Plasma), 5.73% APY, $1.95M TVL, https://www.defi.garden/?pool=f0df03c4-a46f-4f41-be89-37226c814918#src=seo_token; aave-v3 (Monad), 5.73% APY, $1.89M TVL, https://www.defi.garden/?pool=225ac154-fa49-53ea-a246-12c7483f5b24#src=seo_token; fluid-lending (Arbitrum), 4.98% APY, $2.33M TVL, https://www.defi.garden/?pool=19d0ddd5-083a-4839-a01a-5fdf066e94a3#src=seo_token; fluid-lending (Plasma), 8.25% APY, $7.88M TVL, https://www.defi.garden/?pool=9c03c77d-e19c-4fcd-9b68-14e254676552#src=seo_token; fluid-lending (Ethereum), 5.43% APY, $24.16M TVL, https://www.defi.garden/?pool=578cffd4-1470-44d0-8c5d-e9d4bd403651#src=seo_token; curve-dex (Ethereum), 3.39% APY, $1.57M TVL, https://www.defi.garden/?pool=fa087a6f-bc17-4752-9ac4-2b190503925f#src=seo_token. This comparison does not measure protocol, exploit, depeg, liquidity, governance, or principal-loss risk.
| Rank | Protocol | Chain | APY | TVL |
|---|---|---|---|---|
| 1 | aave-v3 → | Ethereum | 1.18% | $35.74M |
| 2 | aave-v3 → | Ethereum | 2.92% | $11.05M |
| 3 | aave-v3 → | Plasma | 5.73% | $1.95M |
| 4 | aave-v3 → | Monad | 5.73% | $1.89M |
| 5 | fluid-lending → | Arbitrum | 4.98% | $2.33M |
| 6 | fluid-lending → | Plasma | 8.25% | $7.88M |
| 7 | fluid-lending → | Ethereum | 5.43% | $24.16M |
| 8 | curve-dex → | Ethereum | 3.39% | $1.57M |
How this rate has behaved
GHO shows up in 8 pools here, with rates from 1.18% to 8.25% APY across 4 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 5.59% — a useful check against today's number for whether the rate is steady or just having a good day.
5 of 8 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 |
|---|---|---|---|
| aave-v3 | 1.18% | 1.54% | Base rate |
| fluid-lending | 5.43% | 5.88% | 30.57% incentives |
| aave-v3 | 2.92% | 3.06% | Base rate |
| fluid-lending | 8.25% | 8.65% | 30.91% incentives |
| fluid-lending | 4.98% | 5.30% | Base rate |
| aave-v3 | 5.73% | 6.56% | 31.00% incentives |
| aave-v3 | 5.73% | 6.46% | 35.25% incentives |
| curve-dex | 3.39% | 3.59% | 91.16% 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 GHO yield today?
8.25% APY on fluid-lending (Plasma), based on live DefiLlama data.
How many GHO pools clear the TVL floor?
31 live pools clear this page's $100K TVL floor, $163.88M 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 GHO pools have the most stable APY history?
Based on APY history only, GHO's lower-variability candidates are aave-v3 (Ethereum), 1.18% APY, $35.74M TVL, https://www.defi.garden/?pool=76ffb695-7fcf-418c-a368-4a9a2dc76f70#src=seo_token; aave-v3 (Ethereum), 2.92% APY, $11.05M TVL, https://www.defi.garden/?pool=41683a7c-20a2-4cd7-83a7-3ccedaad0db1#src=seo_token; aave-v3 (Plasma), 5.73% APY, $1.95M TVL, https://www.defi.garden/?pool=f0df03c4-a46f-4f41-be89-37226c814918#src=seo_token; aave-v3 (Monad), 5.73% APY, $1.89M TVL, https://www.defi.garden/?pool=225ac154-fa49-53ea-a246-12c7483f5b24#src=seo_token; fluid-lending (Arbitrum), 4.98% APY, $2.33M TVL, https://www.defi.garden/?pool=19d0ddd5-083a-4839-a01a-5fdf066e94a3#src=seo_token; fluid-lending (Plasma), 8.25% APY, $7.88M TVL, https://www.defi.garden/?pool=9c03c77d-e19c-4fcd-9b68-14e254676552#src=seo_token; fluid-lending (Ethereum), 5.43% APY, $24.16M TVL, https://www.defi.garden/?pool=578cffd4-1470-44d0-8c5d-e9d4bd403651#src=seo_token; curve-dex (Ethereum), 3.39% APY, $1.57M TVL, https://www.defi.garden/?pool=fa087a6f-bc17-4752-9ac4-2b190503925f#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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