GHO DeFi Yields
The highest honest GHO yield right now is 6.50% on fluid-lending (Plasma), among 30 pools above the $100K TVL floor. Rates are live from DefiLlama and exclude anomalous (>1000% APY) pools.
30 live pools above the $100K TVL floor · ranked by TVL
GHO's largest live pool is aave-v3 on Ethereum at 1.47% ($27.38M TVL). 30 GHO pools across 4 chains clear this page's $100K TVL floor, $153.18M in total.
Your idle GHO could earn ~5.23% — 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 | 1.47% | $27.38M |
| fluid-dex → | Ethereum | 1.78% | $21.24M |
| fluid-lending → | Ethereum | 5.00% | $19.21M |
| fluid-lending → | Plasma | 6.50% | $8.18M |
| aave-v3 → | Ethereum | 2.84% | $7.43M |
| aave-v3 → | Plasma | 6.17% | $7.02M |
| aave-v3 → | Monad | 5.96% | $3.91M |
| fluid-lending → | Arbitrum | 5.46% | $2.39M |
Rate stability from APY history
Based on APY history only, GHO's lower-variability candidates are aave-v3 (Ethereum), 1.47% APY, $27.38M TVL, https://www.defi.garden/?pool=76ffb695-7fcf-418c-a368-4a9a2dc76f70&src=seo_token; aave-v3 (Ethereum), 2.84% APY, $7.43M TVL, https://www.defi.garden/?pool=41683a7c-20a2-4cd7-83a7-3ccedaad0db1&src=seo_token; aave-v3 (Monad), 5.96% APY, $3.91M TVL, https://www.defi.garden/?pool=225ac154-fa49-53ea-a246-12c7483f5b24&src=seo_token; fluid-dex (Ethereum), 1.78% APY, $21.24M TVL, https://www.defi.garden/?pool=16e00a4d-452c-4884-a512-497ac04cc4d9&src=seo_token; fluid-lending (Plasma), 6.50% APY, $8.18M TVL, https://www.defi.garden/?pool=9c03c77d-e19c-4fcd-9b68-14e254676552&src=seo_token; aave-v3 (Plasma), 6.17% APY, $7.02M TVL, https://www.defi.garden/?pool=f0df03c4-a46f-4f41-be89-37226c814918&src=seo_token; fluid-lending (Arbitrum), 5.46% APY, $2.39M TVL, https://www.defi.garden/?pool=19d0ddd5-083a-4839-a01a-5fdf066e94a3&src=seo_token; fluid-lending (Ethereum), 5.00% APY, $19.21M TVL, https://www.defi.garden/?pool=578cffd4-1470-44d0-8c5d-e9d4bd403651&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 | 1.47% | $27.38M |
| 2 | aave-v3 → | Ethereum | 2.84% | $7.43M |
| 3 | aave-v3 → | Monad | 5.96% | $3.91M |
| 4 | fluid-dex → | Ethereum | 1.78% | $21.24M |
| 5 | fluid-lending → | Plasma | 6.50% | $8.18M |
| 6 | aave-v3 → | Plasma | 6.17% | $7.02M |
| 7 | fluid-lending → | Arbitrum | 5.46% | $2.39M |
| 8 | fluid-lending → | Ethereum | 5.00% | $19.21M |
How this rate has behaved
GHO shows up in 8 pools here, with rates from 1.47% to 6.50% 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 5.58% — a useful check against today's number for whether the rate is steady or just having a good day.
4 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 | 1.47% | 1.24% | Base rate |
| fluid-dex | 1.78% | 0.39% | Base rate |
| fluid-lending | 5.00% | 5.70% | 35.00% incentives |
| fluid-lending | 6.50% | 6.78% | 29.54% incentives |
| aave-v3 | 2.84% | 1.98% | Base rate |
| aave-v3 | 6.17% | 6.12% | 66.20% incentives |
| aave-v3 | 5.96% | 6.00% | 50.06% incentives |
| fluid-lending | 5.46% | 5.46% | 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 GHO yield today?
6.50% APY on fluid-lending (Plasma), based on live DefiLlama data.
How many GHO pools clear the TVL floor?
30 live pools clear this page's $100K TVL floor, $153.18M 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), 1.47% APY, $27.38M TVL, https://www.defi.garden/?pool=76ffb695-7fcf-418c-a368-4a9a2dc76f70&src=seo_token; aave-v3 (Ethereum), 2.84% APY, $7.43M TVL, https://www.defi.garden/?pool=41683a7c-20a2-4cd7-83a7-3ccedaad0db1&src=seo_token; aave-v3 (Monad), 5.96% APY, $3.91M TVL, https://www.defi.garden/?pool=225ac154-fa49-53ea-a246-12c7483f5b24&src=seo_token; fluid-dex (Ethereum), 1.78% APY, $21.24M TVL, https://www.defi.garden/?pool=16e00a4d-452c-4884-a512-497ac04cc4d9&src=seo_token; fluid-lending (Plasma), 6.50% APY, $8.18M TVL, https://www.defi.garden/?pool=9c03c77d-e19c-4fcd-9b68-14e254676552&src=seo_token; aave-v3 (Plasma), 6.17% APY, $7.02M TVL, https://www.defi.garden/?pool=f0df03c4-a46f-4f41-be89-37226c814918&src=seo_token; fluid-lending (Arbitrum), 5.46% APY, $2.39M TVL, https://www.defi.garden/?pool=19d0ddd5-083a-4839-a01a-5fdf066e94a3&src=seo_token; fluid-lending (Ethereum), 5.00% APY, $19.21M TVL, https://www.defi.garden/?pool=578cffd4-1470-44d0-8c5d-e9d4bd403651&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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